Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Giggle Finance Inc.
State: IN

Complaint narrative:
Summary of Predatory Contact Incident Giggle Finance Subject : Aggressive and Unethical Collection Behavior by Giggle Finance ( SMS Communication ) Date of Incident : [ Insert date range : XXXXXXXX XXXX XXXX XXXX ] Contact Number Used by Lender : XXXX ( XXXX ) XXXX Borrower : XXXX XXXX Loan Platform : Giggle Finance ( via XXXX ) Background : On the morning of [ XX/XX/XXXX ], XXXX XXXX received a series of unsolicited text messages from the number XXXX ( XXXX ) XXXX. The messages stated that a scheduled payment of {$76.00} had failed due to a debit card flag. The messages requested immediate access to updated card information via a non-secure URL. 

When no immediate response was given, follow-up texts were sent over the course of the day, increasing in pressure and tone. 



Aggressive Messaging Pattern : 1. Coercive Urgency Please login to the portal this morning and provide a new debit card Text us once this is done so we can run your payment This language is designed to trigger compliance without giving time to review or dispute.

2. Implicit Threats We dont allow for delays with these payments. 
A blanket policy claim implying lack of flexibility, contrary to consumer protection standards.

3. Legal Intimidation Without Due Process Youve violated the terms of your contract your file will be forwarded to our Collections Dept for their default list No citation of contract clause, no mailed notice, and no formal collections process initiated.

4. Pressure to Pay Without Documentation Additional default fees will be assessed if not received today. 
Designed to frighten the borrower into payment without verifying loan legitimacy. 



Violations or Ethical Concerns : No official business name or agent identification used in any message. 
No legal mailing address provided for dispute or formal communication. 
Use of vague threats and pressure tactics rather than regulated collection procedures. 
Failure to respond to borrowers lawful request for documentation or legal address. 
Attempt to collect through fear-based language, potentially violating the Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ). 



Borrowers Response : XXXX repeatedly attempted to reach Giggle Finance through official support channels. 
He formally notified the sender that he was initiating legal proceedings, involving : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB ( Consumer Financial Protection Bureau ) He requested a legal address for formal correspondence, which was ignored. 
He did not authorize additional payments, and sought resolution through official means. 



Conclusion : This exchange reveals a disturbing pattern of coercion, noncompliance with consumer protection standards, and possible fraud. Whether the sender is Giggle Finance or a third-party collector acting on their behalf, their conduct appears to violate ethical and possibly legal debt collection practices.

Company response to consumer: Untimely response