Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LPI, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX LPI Inc . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Formal Cease and Desist Request Regarding Unlawful and Harassing Collection Practices for Loan # XXXX Dear XXXX XXXX, I am writing to formally address and document a series of deeply concerning and potentially unlawful actions on your part regarding debt collection efforts related to a XXXX purchase. 

On XX/XX/year>, you contacted my place of employment, XXXX XXXX XXXX XXXX, via the work phone line during business hours. I personally answered the phone and informed you that I was in a meeting. Despite that notice, you followed up with a text message to my personal cell phone at XXXXXXXX XXXX, and then again, I initiated a phone call at XXXXXXXX XXXX, during which we spoke for approximately nine minutes. 

During that call, you questioned my personal medical history, including the nature and legitimacy of my medical leave, and referenced information you obtainedwithout my consentabout my professional status and medical recovery. You also claimed to have verified my return-to-work status and shared that you had contacted my employer multiple times during the week of XX/XX/year>. At no point during that week did you attempt to reach me through my personal phone number, XXXX, which remains the only number I have provided for personal communications. 

Your behavior constitutes repeated, unwanted communication at my place of employment and raises serious concerns about violations of both the Fair Debt Collection Practices Act ( FDCPA ) and Health Insurance Portability and Accountability Act ( HIPAA ) standards. Under the FDCPA : Creditors may not contact a consumers workplace if they are informed that such communication is not permitted by the employer. 
Creditors are also prohibited from contacting third parties, including employers, for anything other than location informationand even then, such contact is limited and must not disclose the nature of the debt. 
Furthermore, harassment, intimidation, or disclosure of personal or medical information is strictly prohibited. 
As someone recovering from a XXXX XXXX XXXX and undergoing XXXX XXXX XXXX XXXX XXXX, your actions have added significant distress and disruption to my already XXXX XXXX status. I have returned to work under medical accommodations and increased monitoring for my recovery. That medical information is private and protected, and your commentary and inquiries into my health are wholly inappropriate and intrusive. 

Effective immediately, I request that all future communications from LP Financial Services be made in writing and delivered via U.S. Mail to my residential address listed above. You are hereby instructed to cease all calls to my place of employment and my personal phone number. Continued contact in violation of this written request may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may warrant civil action for harassment and FDCPA violations. 

I expect professional and lawful conduct moving forward. Should you wish to resolve this matter, please do so in writing via the U.S. Postal Service. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation