Consumer complaint received 2025-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: HighPoint Law Offices, LLC
State: AL

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Collector : HighPoint Law Offices , LLC On behalf of : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Complaint Summary I am submitting this complaint because a debt collector, HighPoint Law Offices, contacted me by email with what they represented as an initial debt collection communication. I never gave consent to receive debt collection notices by email, and the original creditor never provided any required safe-harbor notice or opt-out opportunity before transferring my email to a debt collector. The communication also failed to identify the original creditor, which is required by federal law.

The email violates multiple provisions of the FDCPA and several sections of CFPB Regulation F related to electronic communications, validation notices, consumer privacy, and the use of email in debt collection.

Details of the Violations 1. Unauthorized Email Contact ( FDCPA 1692c ( a ) ( 1 ) ) I never authorized HighPoint Law Offices to use my email address for debt collection.

Collectors may not contact a consumer via a method that is unauthorized or known to be inconvenient.

2. Illegal Use of Email Under Regulation F ( 12 CFR 1006.6 ( d ) ) Regulation F prohibits collectors from emailing a consumer unless : The consumer directly provided the email for debt collection purposes, or The original creditor followed the CFPB safe harbor procedure ( including prior notice and opt-out rights ) The original creditor " whomever that maybe '' never sent me any notice stating my email would be transferred to a debt collector or used for collection.

Therefore, the collectors use of my email address was unlawful.

3. Violation of the Reasonable Expectation of Receipt Standard ( 12 CFR 1006.42 ( a ) ) Collectors must prove that the consumer can reasonably expect to receive debt notices at a particular email.

They can not do so in this case because : I never used email for account communications I never initiated email contact with the collector I never authorized the use of email for debt matters This violates the standard for permissible electronic communication.

4. Missing Required Validation Information ( FDCPA 1692g ( a ) & 12 CFR 1006.34 ( c ) ) The email did not include : A full validation notice Itemization of the alleged debt An itemization date Complete identification of the creditor The disclosures required by federal law Because of this, the email can not legally serve as the required initial notice.

5. Failure to Identify the Original Creditor ( FDCPA 1692g ( a ) ( 2 ) ) The email did not identify the original creditor, which is a required element of the FDCPAs validation notice.

The email listed Velocity Investments ( a debt buyer ) but did not disclose : The name of the original creditor Their address Any meaningful account-identifying information The assignment history Federal law requires collectors to unambiguously disclose the name of the creditor to whom the debt is owed, and this communication failed to do so.

This omission alone invalidates the notice.

6. No Opt-Out Method Provided ( 12 CFR 1006.6 ( e ) ) Regulation F requires that any email from a collector include a simple and reasonable method to opt out of further electronic communications.

The email I received contained no opt-out instructions, which is a direct violation of Regulation F.

7. Risk of Third-Party Disclosure ( FDCPA 1692c ( b ) ) Collectors may not communicate in a manner that risks exposing debt information to a third party.

Because they used an unverified email address obtained without consent or " safe-harbor compliance '', this communication risked disclosure to unintended parties.

8. Deceptive Means of Collection ( FDCPA 1692e & 1692e ( 10 ) ) The email implied it was : Properly delivered Legally sufficient Compliant with federal law A valid initial communication None of this was true. 

This constitutes a deceptive and misleading method of debt collection. 

Requested Resolution I respectfully request that the CFPB : Investigate HighPoint Law Offices and Velocity Investments for unlawful electronic communication practices. 

Require the collector to cease using email or any unauthorized methods to contact me. 
Require full compliance with FDCPA and Regulation F before any future communication.

Require the collector to provide proper written validation if they intend to assert a claim.

Consider enforcement or corrective action due to the multiple violations committed.

Require confirmation that my email address will not be used for debt collection purposes going forward. Additional avenues will be explored due to these FDPCA violations.

Company response to consumer: Closed with explanation