Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding McCarthy, Burgess & Wolff ( MB & W ) and their ongoing mishandling of my XXXX XXXX XXXX  account, despite multiple prior CFPB complaints and my repeated written directives requiring email-only communication. MB & W has resumed unauthorized phone calls to my personal number even though they previously represented to the CFPB that all phone communication had stopped and that my account was closed in their office.

Background : I have clearly, repeatedly, and formally instructed MB & Win writingthat all communication with me must occur via email only. I made this requirement specifically to ensure that all statements, agreements, and representations are properly documented. MB & W has a history of making verbal statements that are later denied or contradicted, which is why written communication is necessary.

Despite this, MB & W has resumed contacting me by phone and continues to leave no voicemails, despite my voicemail box not being full. These calls violate my documented communication instructions.

I have also not received any written correspondence via postal mail from MB & W. They have avoided all legitimate written communication channelsemail and mailwhile continuing to make unauthorized phone calls. This demonstrates a deliberate refusal to communicate through accountable, legally compliant means.

Recent Unauthorized Calls ( Despite Their Promise to Stop ) : MB & W has continued to call me even after telling the FTC/CFPB that all phone calls would cease. Specifically, they called me : Friday, XX/XX/XXXX at XXXXXXXX XXXX  Monday, XX/XX/XXXX at XXXX XXXX Wednesday, XX/XX/XXXX at XXXXXXXX XXXX None of these calls included a voicemail. Despite their recent response to the FTC on XX/XX/XXXX, stating further communication via phone call would stop, these calls contradict their written promise to cease phone contact and violate both federal and state law. The only communication I have received from MB & W is the communication they respond with on the FTC website. They have not responded to a single direct email I have sent them.

Failure to Respond to Email : If MB & W wishes to contact me, they are free to send me an email and respond to the multiple unanswered emails I have already sent them. They have chosen to ignore every email while simultaneously attempting prohibited phone contact. Their refusal to communicate through emailwhile repeatedly calling medemonstrates intentional avoidance of written accountability.

They Already Know My Financial Situation : MB & W is calling me despite the fact that I have already clearly informed them that : I do not have any assets I do not own any property I have multiple failed businesses I do not have the financial ability to pay the balance they are attempting to collect They are fully aware of my financial hardship, yet intentionally continue to harass me by phone in violation of my instructions.

Ongoing Harassment and Documentation : I am choosing not to block their number specifically so I can document every unauthorized call they place. Blocking them would hide their misconduct rather than expose it.

I will continue to document and report every phone call they make in violation of my written communication instructions and applicable federal and state law.

Pattern of Legal Violations : MB & Ws actions constitute a repeated pattern of violations, including : Ignoring documented communication preferences ( FDCPA & Rosenthal Act ) Harassing phone behavior Avoiding written communication to evade accountability Misrepresenting their actions in responses to regulators Contacting me after promising the FTC/CFPB they would cease Their conduct is deceptive, abusive, and in violation of consumer protection laws.

Requested Action : I respectfully request that regulators : 1. Investigate MB & Ws ongoing violations of the FDCPA and the California Rosenthal Act 2. Address MB & Ws false and misleading statements in their prior CFPB responses 3. Require MB & W to immediately and permanently cease all phone contact 4. Require MB & W to respond to my outstanding emails and communicate only in writing going forward 5. Take appropriate enforcement action to prevent continued misconduct Thank you for your attention to this matter.

Company response to consumer: Closed with explanation