Debt collection -- Written notification about debt -- Complaint #16738316
Complaint Overview
Complaint ID: 16738316
Company: Brown And Joseph, Ltd
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: California
ZIP Code: 95472
Date Received: 2025-10-21T12:00:00-05:00
Date Sent to Company: 2025-10-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
This complaint is filed against Brown & Joseph , LLC ( and Senior Account Executive XXXX XXXX ) for serious and repeated violations of the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), California Civil Code \S 1788 et seq., concerning disputed account # XXXX The core of the complaint is the agency 's deliberate failure to comply with multiple written demands and its continuation of aggressive collection tactics. Key Violations : Failure to Prove Authority : The agency failed to provide legally required documentation proving its authority to collect this debt ( \S 1788.17 ) across three separate written requests. Repeated Harassment/Non-Compliance : After receiving three prior written demandsincluding a formal Cease and Desist, the firm, via XXXX XXXX, knowingly and repeatedly ignored the written communication requirement and sent identical emails demanding phone contact with a non-compliant 72-hour deadline. Deliberate Evasion : The firm has consistently demanded a non-written response ( phone call ) instead of performing the most basic task required of a collection agencyproducing the documentation necessary to validate their legal right to collect. The repeated, deliberate conduct by this senior executive after being explicitly informed of their legal obligations demonstrates a clear pattern of illegal evasion and harassment under California state law. We are simultaneously filing this complaint with the California Department of Financial Protection and Innovation ( DFPI ).
Frequently Asked Questions
What is Complaint #16738316 about?
Complaint #16738316 was filed against Brown And Joseph, Ltd regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-10-21T12:00:00-05:00.
How did Brown And Joseph, Ltd respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Brown And Joseph, Ltd?
Yes, visit the Brown And Joseph, Ltd company profile at readthecomplaint.com/company/brown-and-joseph-ltd to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.