Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Leafy Financial, LLC
State: FL

Complaint narrative:
I am submitting this complaint against Leafy Financial LLC ( LEAFY ) regarding its response dated XX/XX/year> to my prior CFPB complaint ( No. XXXX ). That response demonstrates continued collection activity, material misrepresentation, and failure to comply with a valid cease-and-desist directive. On XX/XX/year>, I issued a formal written cease-and-desist notice pursuant to 15 U.S.C. 1692c ( c ), addressed directly to LEAFY, with copies to its third-party debt collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and both entities Florida registered agent, XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX The notice clearly required that all collection-related communications cease and limited any further communication to legally permitted responses only. This notice was sent via XXXX XXXX Mail, Return Receipt Requested, and delivery was completed to LEAFY ( XX/XX/year> ) and its Florida registered agent ( XX/XX/year> ), with additional delivery attempts made to its third-party agent. These records establish confirmed and constructive receipt. LEAFY acknowledged this dispute and notice through its conduct, including updating the account with a consumer disputes remark across credit reporting agencies and its agent responding that the account has been updated accordingly, demonstrating awareness of the dispute and underlying correspondence. Despite this, on XX/XX/year>, LEAFY used its CFPB complaint response to reinitiate collection activity. In that response, LEAFY reiterated the alleged debt and presented payment demands, including a time-sensitive settlement offer requiring payment of {$3100.00} by XX/XX/year>, along with installment options tied to credit reporting updates. This constitutes a direct attempt to induce payment and exceeds the limited communications permitted under 15 U.S.C. 1692c ( c ). A CFPB complaint response does not create an exception that allows a debt collector to resume collection activity after receipt of a cease-and-desist notice. Additionally, LEAFY made a materially misleading statement in that same response by asserting : Please be advised, Leafy Financial LLC is not a collection agency. This statement is contradicted by regulatory records. LEAFY is registered through XXXX and holds multiple state licenses associated with debt collection activity, and in the State of Florida it is actively licensed as a Consumer Collection Agency ( License No. XXXX ). On its own website, LEAFY identifies as a debt collector https : //leafyfinancial.com/. This status is independent of its use of third-party collectors. As the asserted " current '' owner of the alleged debt and the entity directing collection activity, LEAFY meets the definition of a debt collector under 15 U.S.C. 1692a ( 6 ) and applicable Florida law. By denying its status as a collection agency while simultaneously engaging in collection activity and maintaining active licensing as such, LEAFY made a materially misleading representation in connection with the collection of an alleged debt. Finally, the use of the CFPB complaint response process to present payment demands demonstrates an attempt to bypass consumer protections by using a regulatory channel as a means to continue collection efforts indirectly. This undermines the purpose of the cease-and-desist protections and reflects a pattern of conduct that prioritizes collection over compliance. I respectfully request that the CFPB review this conduct and determine whether LEAFYs actions constitute violations of 15 U.S.C. 1692c ( c ), 1692e, and any applicable state consumer protection laws. I further request that LEAFY be directed to cease all collection-related communications and ensure that any future responses are strictly limited to those permitted by law.

Company response to consumer: Closed with explanation