Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc.
State: CT

Complaint narrative:
Consumer Financial Protection Bureau Complaint Date : XXXX XXXX, 2025 Submitted by : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX Email : XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Simm Associates for Violations of the Fair Debt Collection Practices Act ( FDCPA ) Dear Sir or Madam, I am filing this complaint against Simm Associates , located at XXXX XXXX XXXX XXXX XXXX, DE XXXX, for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my clear communication that I do not owe the alleged debt ( Account # XXXX ) and my formal demand to cease communication, Simm Associates continues to harass me with multiple emails ( 21 ), texts ( 7 ), and daily phone callssince XXXX of this year. ( Details of the Complaint : I have confirmed with the original alleged creditor, XXXX XXXX XXXX XXXX, that I owe no debt to them, as the account in question has been fully paid. On XX/XX/year>2025, I sent a written letter to Simm Associates ( attached ) formally disputing the alleged debt, demanding validation under 15 U.S.C. 1692g ( b ), and requesting that they cease all communication with me pursuant to 15 U.S.C. 1692c ( c ). Despite this, Simm Associates has continued their collection efforts, including frequent and unwarranted contacts, which I believe constitutes harassment under 15 U.S.C. 1692d.

Their persistent attempts to collect a debt I do not owe are causing me significant XXXX  and violate my rights under the FDCPA. I have clearly communicated that the debt is not valid and have exercised my legal right to demand cessation of communication, yet Simm Associates has failed to comply or provide validation of the alleged debt. 
Requested Action : I request that the CFPB investigate Simm Associates for their non-compliance with the FDCPA, specifically their failure to validate the disputed debt and their continued harassment through unwanted communications. I further request that the CFPB ensure Simm Associates ceases all collection activities related to this alleged debt and complies with federal law. I am prepared to provide additional documentation if needed and am seeking any remedies available under 15 U.S.C. 1692k, including statutory damages for these violations. 
Attachment : Attached is a copy of my XX/XX/year>2025, letter to Simm Associates, which outlines my dispute of the debt and demand to cease communication. 
Thank you for your attention to this matter. Please contact me at the above address or email if further information is required. 
Sincerely, XXXX XXXX pm XXXX  XXXX XXXX below email from me to XXXX. 



XXXX XXXX, 2025, XXXX to XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ct XXXX XX/XX/year>2025 Simm Associates XXXX XXXX XXXX XXXX DE XXXX Subject : Cease Communication Demand Account XXXX Dear Simm : I am writing to formally dispute the alleged debt you are attempting to collect from me and to demand that you immediately cease all communication with me regarding this matter, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ). 
I have confirmed with XXXX XXXX XXXX XXXX, the alleged creditor, that I owe no debt to them. Despite this, your agency has continued to contact me, which constitutes harassment under the FDCPA, 15 U.S.C. 1692d. This includes, but is not limited to, repeated and unwarranted attempts to collect a debt I do not owe. 
Under 15 U.S.C. 1692g ( b ), you are required to validate any disputed debt and provide evidence of its legitimacy. I formally dispute the validity of this alleged debt and demand that you provide verifiable proof of any obligation I supposedly owe. Until such validation is provided, you must cease all collection activities. Furthermore, under 15 U.S.C. 1692c ( c ), I am exercising my right to demand that you stop all communication with me, except as permitted by law ( e.g., to confirm cessation of collection efforts or to notify me of specific legal actions ).

Be advised that continued harassment or failure to comply with the FDCPA may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violations of federal law, including but not limited to 15 U.S.C. 1692k, which allows for statutory damages, actual damages, and attorneys fees. 
Govern yourself accordingly. Cease all communication with me immediately and provide written confirmation of compliance with this demand within 10 days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation