Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
I am filing a formal complaint against Firstsource Advantage , LLC and XXXX XXXX XXXX ( XXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692f ( 8 ), which prohibits debt collectors from using any language or symbols on envelopes that reveal the nature of the communication as debt collection. 

Details of Violations Firstsource Advantage , LLC : On XX/XX/XXXX, I received a collection letter from Firstsource Advantage , LLC. The letters design allowed sensitive and identifying information to be visible through the envelopes address window. Specifically : Instructions to dispute the debt, including a checkbox form, were visible. 

Licensing information for Minnesota, North Carolina, and Tennessee, with Minnesota 's licensing statement in bold print, could be seen through the envelope. 
This exposed information directly identified the communication as debt collection, violating my privacy and the FDCPA. 


XXXX XXXX XXXX ( XXXX ) : On XX/XX/XXXX, I received a collection letter from XXXX. The company name, logo, and other identifying information were visible through the envelopes address window. This visibility constituted a clear violation of 15 U.S.C. 1692f ( 8 ) and caused significant embarrassment during a business meeting when the letter was seen by a potential business associate.

Impact on My Privacy and Well-being These violations of my privacy caused significant harm : 1. Professional Harm : During a business meeting, the exposed XXXX letter undermined my professional credibility, leading to the loss of a potential financial opportunity for my new business. 


XXXX. Emotional Distress : The visible debt collection letters added to an already overwhelming recovery process after a prolonged hospitalization in XX/XX/XXXX. I experienced heightened XXXX, embarrassment, and a loss of confidence. 


XXXX. Privacy Violation : Both collection agencies failed to take reasonable steps to protect my personal information, exposing sensitive details in a highly public and unnecessary manner. 



Legal and Ethical Concerns The FDCPA explicitly prohibits debt collectors from revealing the purpose of their communication through envelope designs or visible text. In both instances : Visible Licensing Information : The bold statement regarding Minnesota licensing, as well as mentions of North Carolina and Tennessee, unnecessarily exposed regulatory relationships. This further revealed the letters purpose as debt collection.

Exposed Forms and Identifiers : Visible dispute checkboxes and instructions made the letters unmistakably identifiable as collection-related communications.

Additionally, these agencies demonstrated negligence by failing to implement protective measures, such as cover letters or more secure envelope designs. 


Requested Remedies I respectfully request the CFPB to : XXXX. Investigate Firstsource Advantage , LLC and XXXX XXXX XXXX ( XXXX ) for violations of 15 U.S.C. 1692f ( 8 ).

2. Enforce penalties to ensure compliance with FDCPA regulations and prevent further violations.

3. Facilitate appropriate remedies, including : Statutory damages : {$1000.00} for each violation.

Actual damages : Compensation for emotional distress and financial harm caused by these incidents. 




Additional Steps I am filing additional complaints with the following state regulatory agencies mentioned in the letters : Minnesota Department of Commerce North Carolina Department of Insurance Tennessee Department of Commerce and Insurance I reserve the right to pursue legal action for damages resulting from these violations. Thank you for your attention to this matter. I look forward to your response and updates regarding the investigation. Please feel free to contact me at the information provided above for any further documentation or clarification.

Sincerely,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation