Payday loan, title loan, personal loan, or advance loan -- Struggling to pay your loan -- Complaint #11888020
Giggle Finance Accused of Harassing Texts Despite Stop Requests
Complaint Overview
Complaint ID: 11888020
Company: Giggle Finance INC.
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Struggling to pay your loan
State: Louisiana
ZIP Code: 70726
Date Received: 2025-01-31T12:00:00-05:00
Date Sent to Company: 2025-01-31T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
The company's alleged continued contact after explicit requests to stop, and dismissal of consumer rights, indicates a high risk of regulatory scrutiny and consumer harm.
Consumer Sentiment: negative
Topics: Harassment, Debt Collection, TCPA, FDCPA
AI Analysis
CFPB complaint 11888020 was filed against Giggle Finance Inc. regarding Payday loan, title loan, personal loan, or advance loan (Installment loan), specifically about "Struggling to pay your loan". A consumer is complaining about Giggle Finance Inc. for harassing text messages despite multiple requests to stop, potentially violating the TCPA and FDCPA. The complaint was received on January 31, 2025 from Louisiana. The company responded with "Untimely response".
Consumer Narrative
I am filing this complaint against XXXX XXXX due to their repeated and harassing text messages, despite my multiple requests for them to stop. On XX/XX/year>, XXXX XXXX began texting me regarding a payment. I immediately informed them that I would make my payment the following week because I had just experienced a house fire and lost all of my cards. Instead of being understanding, they continued to aggressively text me, even after I repeatedly asked them to stop. I explicitly told them at least XXXX to XXXX times to stop contacting me, yet they disregarded my request and continued messaging me. In total, I received over XXXX unwanted text messages after my requests for them to cease communication. When I informed them that I would take legal action due to their refusal to stop, they dismissed my rights, stating that I could not press charges and that they had the right to text me until I paid. This behavior is harassing, unprofessional, and a violation of my consumer rights. Their actions may be in violation of the Telephone Consumer Protection Act ( TCPA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ), as they continued to contact me despite my clear and repeated requests to stop.
What You Should Do -- Consumer Action Plan
Consumers should document all communication, including dates, times, and content of messages, and clearly state their request to cease contact in writing.
Legal Context & Consumer Protection Laws
The company's actions may violate the Telephone Consumer Protection Act (TCPA) and the Fair Debt Collection Practices Act (FDCPA) by continuing contact after a request to stop.
Regulatory Insight
Regulators are increasingly focused on aggressive debt collection tactics and violations of communication laws like the TCPA.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originates from Los Angeles, California, and involves a loan from Giggle Finance Inc.
Industry Comparison
While many lenders communicate with borrowers, persistent and harassing contact after a cease-and-desist request is generally considered an unfair and deceptive practice.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11888020 about?
CFPB complaint 11888020 involves Payday loan, title loan, personal loan, or advance loan (Installment loan). The consumer reported an issue with "Struggling to pay your loan". This complaint was filed against Giggle Finance Inc. on January 31, 2025.
Which company is complaint 11888020 filed against?
Complaint 11888020 was filed against Giggle Finance Inc.. You can view all complaints against this company on their profile page at /company/giggle-finance-inc.
What was the company's response to complaint 11888020?
Giggle Finance Inc. responded with "Untimely response". The response was NOT marked as timely by the CFPB.
When was complaint 11888020 filed?
Complaint 11888020 was received by the CFPB on January 31, 2025. It was sent to Giggle Finance Inc. on January 31, 2025.
What state was complaint 11888020 filed from?
Complaint 11888020 was filed from Louisiana. You can view all complaints from this state at /state/LA.
Was the consumer satisfied with the resolution of complaint 11888020?
Dispute information is not available for complaint 11888020.
What product category is complaint 11888020 about?
Complaint 11888020 is categorized under "Payday loan, title loan, personal loan, or advance loan", specifically "Installment loan". This is one of the product categories tracked by the CFPB.
How was complaint 11888020 submitted?
Complaint 11888020 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11888020?
The company's actions may violate the Telephone Consumer Protection Act (TCPA) and the Fair Debt Collection Practices Act (FDCPA) by continuing contact after a request to stop. This relates to a Payday loan, title loan, personal loan, or advance loan complaint against Giggle Finance Inc. involving "Struggling to pay your loan".
How likely is complaint 11888020 to be resolved?
Resolution likelihood: likely. The company's current response is "Untimely response".
What does the risk level mean for complaint 11888020?
This complaint is rated as high risk. The company's alleged continued contact after explicit requests to stop, and dismissal of consumer rights, indicates a high risk of regulatory scrutiny and consumer harm.
What regulatory actions apply to complaint 11888020?
Regulators are increasingly focused on aggressive debt collection tactics and violations of communication laws like the TCPA. The CFPB tracks complaints like this one to identify patterns of misconduct across the Payday loan, title loan, personal loan, or advance loan industry.
What should the consumer do about complaint 11888020?
Consumers should document all communication, including dates, times, and content of messages, and clearly state their request to cease contact in writing.
Are there state-specific protections for complaint 11888020?
The complaint originates from Los Angeles, California, and involves a loan from Giggle Finance Inc. This complaint was filed from Louisiana.
How does complaint 11888020 compare to industry norms?
While many lenders communicate with borrowers, persistent and harassing contact after a cease-and-desist request is generally considered an unfair and deceptive practice.
What specific actions can a consumer take if a lender continues to contact them after a written request to stop?
A consumer can file a complaint with the CFPB, FTC, or their state's Attorney General's office, and may have grounds to sue the company for damages under laws like the TCPA.
How does the TCPA protect consumers from unwanted communications?
The TCPA restricts telemarketing calls and text messages to wireless numbers without prior express consent, and prohibits automatic telephone dialing systems (autodialers) from calling or texting without consent.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.