Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
Consumer Portfolio Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Account No : XXXX RE : Notice of Intent to Sue for Violations of the Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, This letter serves as a formal notice of intent to pursue legal action against Consumer Portfolio Services , Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ) in relation to the account referenced above. 

On XX/XX/year>, I sent a certified letter to your office and submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) under case number XXXX. In that correspondence, I explicitly requested that you cease all forms of communication regarding this disputed debt. I made it abundantly clear that any further attempts to collect this debt would be considered harassment and a violation of my rights under the FDCPA. 

Despite this clear directive, you have continued to bombard both me and my wife, XXXX XXXX, with multiple emails, specifically on the following dates : - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In total, you have sent XXXX XXXX after I explicitly requested that you refrain from further communication. This relentless barrage of emails is not merely an inconvenience ; it has caused significant emotional distress for both my wife and me. The constant reminders of a disputed debt, despite our clear request to cease contact, have led to heightened anxiety, sleepless nights, and a pervasive sense of frustration and helplessness. 

The repeated and unwanted communication from your company has created an atmosphere of dread and uncertainty in our lives. Rather than enjoying peace of mind regarding our financial matters, we have been forced to endure ongoing stress and turmoil due to your disregard for our rights as consumers. This emotional distress is exacerbated by the knowledge that you have chosen to ignore our previous requests and continue your aggressive collection efforts, which we have clearly articulated as unwanted. 

Your actions constitute a blatant violation of the FDCPA, which prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. The distress and anxiety that you have inflicted upon us are unacceptable and have led us to seek redress for the harm caused. 

As a result of your violations of the FDCPA, I demand that you immediately cease all collection efforts related to this account and remove any negative reporting associated with this debt from our credit reports. Failure to comply with this demand will leave me with no choice but to pursue legal action against Consumer Portfolio Services , Inc. to protect my rights and seek damages for the emotional distress and inconvenience caused by your unlawful practices. 

Please consider this letter a final opportunity to resolve this matter amicably. I expect to receive confirmation of the removal of this debt from my credit report and a cessation of all communication within 15 days of receipt of this letter. 

Failure to respond appropriately will compel me to take further legal action without additional notice. 

Sincerely, XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation