Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Walentine O’Toole, LLP
State: NE

Complaint narrative:
Sunday, XXXX XXXX XXXX - I was served an in-person summons to the door of my home from XXXX XXXX XXXX  XXXX XXXX The date printed on the summons and letter was XXXX XX/XX/XXXX. 

***This is the first formal complaint to the CFPB as per the Fair Debt Collection Practices Act, communication is prohibited before XXXX. *** XX/XX/XXXX at XXXX - I called and spoke with XXXX XXXX office about cooperating to settle any issues including their explanation of a proposed payment arrangement. Shortly afterward, details were confirmed in an email from his office that we'd discussed working toward finalizing a payment arrangement. A proposed document was sent for my signature, with a start date to the agreement as XX/XX/XXXX and with very little information/clarification about the terms of the payment arrangement. 

XX/XX/XXXX - I received a copy of the same summons with plaintiff 's directions in the USPS mail. The date printed on the summons and letter was XX/XX/XXXX. 

XX/XX/XXXX at XXXX - The person who had served the original summons showed up to the door of my home again. They did not leave a document, and I had received no prior notice from XXXX 's office that he would be returning, or an email afterward explaining what was attempting to be delivered to me. 

XX/XX/XXXX at XXXX - I sent a cooperative email asking questions for clarification about the proposed payment arrangement and document for my signature. Within the same email, I included a formal request for further contact and visits to my home to stop : I'd also like to confirm whoever has been knocking on my door with documents from your office will no longer need to come to my house? After he delivered the first letter/summons Sunday, XX/XX/XXXX at XXXX, I called and spoke with your office about cooperating to settle any issues including with this proposed payment arrangement on Thursday, XX/XX/XXXX at XXXX which is when shortly afterward you sent this email. Since we'd already discussed and agreed on working toward finalizing a payment arrangement, I'm not sure why this person then showed up at my home again on Monday, XX/XX/XXXX at XXXX. I am happy to work with you through the issue, but personally, as a <person> living alone I am not comfortable with a man I do not know showing up to my home, especially so early in the morning, on weekends, and after we'd already agreed on moving forward with working toward a payment arrangement, him showing up again without me knowing he is coming. That makes me extremely uncomfortable and I believe is against the Fair Debt Collection Practices Act by the Consumer Financial Protection Bureau. Now that we are finalizing a payment arrangement, I'd like to request there are no more phone calls, emails, letters, visits to my home or otherwise unless it is in regard to clarifying my questions about the terms of a payment arrangement or if I've somehow not met the terms of a payment arrangement when we have all of the items clarified and finalized. 

XX/XX/XXXX at XXXX I mailed the required Answer and Denial document copies to XXXX office via USPS priority. 

XX/XX/XXXX at XXXX I received an email from XXXX office confirming receipt of yesterdays email, answering the questions contained in the email, but did not include acknowledgement of my request to cease further aggressive contact. 
XX/XX/XXXX at XXXX I filed the required Answer and Denial documents with the County Court XXXX 

XX/XX/XXXX XX/XX/XXXX Cooperative emails remained going back and forth between myself and XXXX office to confirm all details working to finalize a resolution ; the last email from myself waiting for a reply from XXXX office. 

XX/XX/XXXX at XXXX - The person who had served the original summons showed up to the door of my home again. They did not leave a document, and I had received no prior notice from XXXX 's office that he would be returning, or an email afterward explaining what was attempting to be delivered to me. 

***This is the second formal complaint to the CFPB as per the Fair Debt Collection Practices Act, communication is prohibited if a consumer notifies a debt collector in writing that the consumer wishes the debt collector to cease further communication with the consumer. *** XX/XX/XXXX at XXXX I sent a cooperative email asking for a reply to the last email I had sent to XXXX office on XX/XX/XXXX in attempt to resolve the issue. Also within the email was a second request that there be no more people sent to my home on behalf the issue at hand. 
As of today XX/XX/XXXX at XXXXXXXX XXXX, they came to my home again. I am going to send an email today requesting them to stop contact again. I have not done anything against the agreement I signed with them, I have made all payments and I have asked them if there is information that they need and they have not responded or contacted me besides sending this person to my home. 

Consumer wants to following added to the resolution : It can be added to the bottom portion of the resolution : They need to stop showing up to my home immediately, it is giving me extreme anxiety. I informed them I am a single woman that lives alone and when someone, especially a man, comes to my home knocking the way he does it is scary.

Company response to consumer: Closed with explanation