Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this formal complaint against Randolph-Brooks Federal Credit Union ( RBFCU ) for systemic and escalating violations of the Texas Debt Collection Act ( TDCA ) 392 and Regulation F ( 12 CFR Part 1006 ), which implements the Fair Debt Collection Practices Act ( FDCPA ). RBFCU has repeatedly violated the " 7-in-7 '' rule, which prohibits placing more than seven calls within a rolling seven-day period. My logs demonstrate a specific and egregious violation : between XX/XX/XXXX and XX/XX/XXXX, I was targeted with 10 calls in a 7-day window. Throughout the duration of this campaign, I received a total of 35 calls from a single deceptive number between XX/XX/XXXX and XX/XX/XXXX, and 8 calls from their official line between XX/XX/XXXX and XX/XX/XXXX, with multiple instances of both numbers calling on the same day. Regardless of the number of accounts held, this cumulative frequency constitutes a " continuous and repeated '' campaign intended to harass under 15 U.S.C. 1692d and TX Finance Code 392.302. At no point during this period did I answer these calls or engage in verbal communication with RBFCU agents. RBFCU utilized deceptive identification tactics to induce an answer. Specifically, 35 documented calls originated from XXXX, displaying a geographic location of " XXXX, XXXX. '' As RBFCU is a Texas-based institution with no legitimate service connection to Indiana, this geographic spoofing was used to mislead me as to the caller 's identity. Furthermore, calls originating from RBFCUs official customer service line, XXXX, were intentionally masked with the " PRIVATE NAME '' label. These tactics constitute fraudulent and misleading representation under TX Finance Code 392.304 ( a ) ( 1 ) ( A ). This coordinated campaign involved a rotating roster of five human agents : XXXX, XXXX, XXXX, XXXX, and XXXX. In early XXXX, following the origination of these debts, I encountered a significant financial crisis due to the mounting pressures of the current cost of living. I took proactive steps to protect my professional record and attempt to stabilize my finances, which included working two jobs, therefore having seven-day work weeks that are still currently ongoing. As part of this stabilization effort, I withdrew from a professional certification program on XX/XX/XXXX, and submitted a strategic resignation on XX/XX/XXXX, effective at the end of the term. Instead of utilizing professional correspondence or offering hardship assistance through their established mailing address, RBFCU launched a high-frequency phone harassment campaign that targeted me during instructional hours at my school of employment. The relentless nature of these callsoccurring while I was already working maximum capacity to stabilize my financesinduced severe mental anguish and exacerbated physical exhaustion. This pressure directly contributed to involuntarily falling asleep during instructional time in my classroom and multiple near-collisions with other vehicles on my daily commute. Per XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ( XXXXXXXX XXXX XXXXXXXX ), this represents a " substantial disruption of daily routine. '' RBFCUs conduct significantly compromised my professional performance and physical safety during a period of extreme career transition. RBFCU issued formal notices via standard mail, proving they had an established, professional line of communication. One such notice provided a resolution deadline of XX/XX/XXXX. However, they acted in bad faith by bypassing professional correspondence in favor of deceptive phone harassment ( including a 5-minute burst of two calls and two voicemails on XX/XX/XXXX ) long before their own deadline passed.

Company response to consumer: Closed with explanation