Debt collection -- Electronic communications -- Complaint #16283078
Debt Collector Ignores Cease Communication Request Via Electronic Means
Complaint Overview
Complaint ID: 16283078
Company: Business & Professional Collection Service INC
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 explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
The continued electronic communication after a cease and desist request violates the FDCPA's prohibition against harassment and abuse, and potentially other state laws.
Consumer Sentiment: negative
Topics: Debt collection, Electronic communications, FDCPA
AI Analysis
CFPB complaint 16283078 was filed against Business & Professional Collection Service Inc regarding Debt collection (Other debt), specifically about "Electronic communications". A consumer reported that Business & Professional Collection Service Inc. continued to contact them electronically after being told to stop, despite the account being closed with an explanation. The complaint was received on September 30, 2025 from Alabama. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Document all communications, including dates, times, and content, and send a formal written cease and desist letter via certified mail.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in conduct that harasses, abuses, or oppresses any person in connection with the collection of a debt.
Regulatory Insight
This case highlights the importance of adhering to consumer directives regarding communication channels, especially when electronic methods are used.
Resolution Likelihood
likely
State-Specific Consumer Protections
Alabama law may offer additional protections regarding debt collection practices and electronic communications.
Industry Comparison
This behavior is a common issue in the debt collection industry, where some firms may disregard consumer requests to maintain contact.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16283078 about?
CFPB complaint 16283078 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 Business & Professional Collection Service Inc on September 30, 2025.
Which company is complaint 16283078 filed against?
Complaint 16283078 was filed against Business & Professional Collection Service Inc. You can view all complaints against this company on their profile page at /company/business-professional-collection-service-inc.
What was the company's response to complaint 16283078?
Business & Professional Collection Service Inc responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 16283078 filed?
Complaint 16283078 was received by the CFPB on September 30, 2025. It was sent to Business & Professional Collection Service Inc on September 30, 2025.
What state was complaint 16283078 filed from?
Complaint 16283078 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 16283078?
Dispute information is not available for complaint 16283078.
What product category is complaint 16283078 about?
Complaint 16283078 is categorized under "Debt collection", specifically "Other debt". This is one of the product categories tracked by the CFPB.
How was complaint 16283078 submitted?
Complaint 16283078 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 16283078?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in conduct that harasses, abuses, or oppresses any person in connection with the collection of a debt. This relates to a Debt collection complaint against Business & Professional Collection Service Inc involving "Electronic communications".
How likely is complaint 16283078 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 16283078?
This complaint is rated as high risk. The continued electronic communication after a cease and desist request violates the FDCPA's prohibition against harassment and abuse, and potentially other state laws.
What regulatory actions apply to complaint 16283078?
This case highlights the importance of adhering to consumer directives regarding communication channels, especially when electronic methods are used. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 16283078?
Document all communications, including dates, times, and content, and send a formal written cease and desist letter via certified mail.
Are there state-specific protections for complaint 16283078?
Alabama law may offer additional protections regarding debt collection practices and electronic communications. This complaint was filed from Alabama.
How does complaint 16283078 compare to industry norms?
This behavior is a common issue in the debt collection industry, where some firms may disregard consumer requests to maintain contact.
What constitutes 'electronic communications' under the FDCPA in this context?
Electronic communications can include emails, text messages, and social media messages. The FDCPA applies to these methods if they are used by a third-party debt collector.
Does the 'closed with explanation' status of the debt affect the debt collector's obligations?
While the account may be closed, the debt collector's obligation to cease communication upon request remains. The explanation for closure is irrelevant to this specific FDCPA violation.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.