Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omnipoint Capital
State: CA

Complaint narrative:
I am writing to file a formal complaint against OmniPoint Management Solutions, LLC regarding their unlawful debt collection practices. On XX/XX/year>, I received a letter from OmniPoint Management Solutions , LLXXXX, informing me of an alleged debt owed to XXXX XXXX XXXX, which was purportedly originally owed to XXXX XXXX The letter stipulated that I had until XX/XX/year>, to respond to their communication, either agreeing to or disputing the charges. 

However, merely XXXX days after sending the letter, OmniPoint Management Solutions, LLC began harassing my relatives by contacting them via phone. This action is a clear violation of my privacy rights and constitutes harassment under federal and state laws. I had not provided OmniPoint Management Solutions, LLC with my relatives ' contact information, yet they managed to obtain it through unauthorized means, likely by running a background check on me. This unauthorized access to personal information and subsequent harassment of my relatives is unacceptable and illegal. 

Furthermore, when I contacted OmniPoint Management Solutions, LLC to request that they cease contacting me and my relatives by phone and communicate with me exclusively via regular mail, their representative, named XXXX, disregarded my request and insisted that they were within their legal rights to continue calling both me and my relatives. 

This conduct by OmniPoint Management Solutions, LLC not only violates my privacy rights but also breaches several federal and state laws, including but not limited to : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices, including harassment and contacting third parties about a debt without the consumer 's consent. 

The California XXXX Fair Debt Collection Practices Act ( California XXXX XXXX XXXX et seq. ), which mirrors many of the protections provided by the FDCPA and imposes additional requirements on debt collectors operating in California. 

By initiating harassing phone calls to my relatives mere days after sending me a letter and refusing to honor my request to communicate via mail, OmniPoint Management Solutions, LLC has demonstrated a blatant disregard for consumer rights and legal obligations. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate enforcement action against OmniPoint Management Solutions, LLC for their violations of federal and state debt collection laws. Additionally, I request that the Bureau ensure that OmniPoint Management Solutions, LLC ceases all unlawful debt collection activities and compensates me for the distress and inconvenience caused by their actions. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation