Debt collection -- Electronic communications -- Complaint #16283077
Debt Collector Ignores Cease Contact Request
Complaint Overview
Complaint ID: 16283077
Company: W&A Intermediate Co., LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Electronic communications
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Alabama
ZIP Code: 36116
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-09-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
Continued electronic communication after a cease contact request violates consumer protection laws and can lead to significant penalties.
Consumer Sentiment: negative
Topics: Debt collection, Electronic communications, Harassment
AI Analysis
CFPB complaint 16283077 was filed against W&A Intermediate Co., LLC regarding Debt collection (Other debt), specifically about "Electronic communications". A consumer reported that W&A Intermediate Co., LLC continued to contact them electronically after being told to stop, despite the account being closed with non-monetary relief. The complaint was received on September 30, 2025 from Alabama. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
If a debt collector continues to contact you after you've asked them to stop, document all communications and consider filing a complaint with the CFPB.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in harassment or abuse, which includes continuing contact after a consumer requests it to cease.
Regulatory Insight
This case highlights the importance of adhering to cease communication directives, as violations can result in regulatory action and consumer complaints.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Alabama, and state laws may also provide additional protections regarding debt collection practices.
Industry Comparison
This behavior is a common issue in the debt collection industry, often stemming from communication breakdowns or disregard for consumer rights.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283077 about?
CFPB complaint 16283077 involves Debt collection (Other debt). The consumer reported an issue with "Electronic communications", specifically "You told them to stop contacting you, but they keep trying". This complaint was filed against W&A Intermediate Co., LLC on September 30, 2025.
Which company is complaint 16283077 filed against?
Complaint 16283077 was filed against W&A Intermediate Co., LLC. You can view all complaints against this company on their profile page at /company/w-a-intermediate-co-llc.
What was the company's response to complaint 16283077?
W&A Intermediate Co., LLC responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 16283077 filed?
Complaint 16283077 was received by the CFPB on September 30, 2025. It was sent to W&A Intermediate Co., LLC on September 30, 2025.
What state was complaint 16283077 filed from?
Complaint 16283077 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 16283077?
Dispute information is not available for complaint 16283077.
What product category is complaint 16283077 about?
Complaint 16283077 is categorized under "Debt collection", specifically "Other debt". This is one of the product categories tracked by the CFPB.
How was complaint 16283077 submitted?
Complaint 16283077 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 16283077?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in harassment or abuse, which includes continuing contact after a consumer requests it to cease. This relates to a Debt collection complaint against W&A Intermediate Co., LLC involving "Electronic communications".
How likely is complaint 16283077 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 16283077?
This complaint is rated as high risk. Continued electronic communication after a cease contact request violates consumer protection laws and can lead to significant penalties.
What regulatory actions apply to complaint 16283077?
This case highlights the importance of adhering to cease communication directives, as violations can result in regulatory action and consumer complaints. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 16283077?
If a debt collector continues to contact you after you've asked them to stop, document all communications and consider filing a complaint with the CFPB.
Are there state-specific protections for complaint 16283077?
The consumer is located in Alabama, and state laws may also provide additional protections regarding debt collection practices. This complaint was filed from Alabama.
How does complaint 16283077 compare to industry norms?
This behavior is a common issue in the debt collection industry, often stemming from communication breakdowns or disregard for consumer rights.
What constitutes 'non-monetary relief' in a debt collection case?
Non-monetary relief typically refers to actions taken by the debt collector that do not involve the payment of money, such as agreeing to stop collection activities, correcting inaccurate information on a credit report, or providing specific documentation.
Can a debt collector contact me electronically after I tell them to stop?
Generally, no. If you instruct a debt collector in writing to cease communication, they must stop contacting you, with limited exceptions such as to notify you of specific actions they intend to take.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.