Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I am filing this complaint regarding unlawful, predatory third-party debt collection practices linked to a vacation travel membership contract. The underlying contract is actively disputed due to material pricing misrepresentations made during an online sales presentation, and a formal bank chargeback dispute was successfully processed for the upfront membership fees. Because of this ongoing dispute, a formal, written Cease-and-Desist notice was finalized and delivered on XX/XX/year>, with a subsequent restriction restated on XX/XX/year>, explicitly restricting the collector to written-only correspondence via the U.S. Postal Service. Despite having these statutory communication restrictions on file, the collection company has willfully and repeatedly violated the Fair Debt Collection Practices Act ( FDCPA ) and state consumer protection laws by launching an aggressive telephone harassment campaign to my cell phone. To deliberately bypass communication blocks and evade consumer protection filters, the company is utilizing an automated, dynamic Voice over IP ( VoIP ) system that floods my line with localized neighborhood " spoof '' numbers matching my regional area code. The systemic nature of this harassment is proven by historical mobile call logs from XX/XX/year>, through XX/XX/year>, which show a central corporate automated dialer routing through the specific number ( XXXX ) XXXX hitting my phone at tightly structured, repetitive intervals. Most alarmingly, on Wednesday, XX/XX/year>, the system executed a high-density, coordinated multi-wave dialing strike. The vacation company initiated an outbound call at XXXX a.m. Immediately upon a non-answer, my file was handed to the core ( XXXX ) collection dialer an hour later, which was immediately followed by a wave of XXXX distinct spoofed regional lines over a short window to trap me into answering. On that exact same day, XX/XX/year>, the company issued a proposed " Confidential Settlement and Release Agreement ''. This contract explicitly conditioned the cancellation of the account upon a mandatory requirement that I actively withdraw and delete all of my valid consumer fraud complaints currently pending with State Attorneys General and the XXXX XXXX XXXX ( XXXX ). Representatives have verbally attempted to negotiate contract forgiveness contingent on wiping out these regulatory files, which I have firmly denied. Because I refuse to drop my regulatory complaints, the company has responded by continuing their automated daily collection calls in flagrant violation of my written cease-and-desist boundary. I request that the CFPB compel the collection agency to produce their complete raw internal outbound software logs and XXXX account notes for this file. Matching their internal digital server timestamps against the specific ( XXXX ) corporate node and regional spoofed numbers hitting my device registry will conclusively substantiate these ongoing, willful statutory violations.

Company response to consumer: Closed with explanation