Debt collection -- Communication tactics -- Complaint #17827988
Complaint Overview
Complaint ID: 17827988
Company: Gulf Coast Collection Bureau, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Florida
ZIP Code: 32609
Date Received: 2025-11-23T12:00:00-05:00
Date Sent to Company: 2025-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint regarding Gulf Coast Collection Bureau for multiple violations of the FDCPA and improper handling of my dispute. 1. I sent the collector a written cease-and-desist via certified mail on XX/XX/year>. 2. Despite this, I received a robocall voicemail from the collector on XX/XX/year>. 3. This is a prohibited communication under FDCPA 805 ( c ) because the collector received written notice to cease communication. 4. The collector then responded to a prior CFPB complaint by attaching documentation that does not belong to me, belongs to a different case number, and predates my complaint. 5. The attached file was unrelated to my account and demonstrates they did not conduct a proper investigation. 6. In their CFPB response, the collector falsely stated that communication had ceased and that my account was placed in disputed status, which contradicts the voicemail I received. 7. These actions amount to misrepresentation under FDCPA 807 and failure to conduct a reasonable investigation. 8. I am requesting a regulatory review of their compliance practices and the removal or closure of the account since they failed to properly validate and mishandled the dispute.
Frequently Asked Questions
What is Complaint #17827988 about?
Complaint #17827988 was filed against Gulf Coast Collection Bureau, INC. regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2025-11-23T12:00:00-05:00.
How did Gulf Coast Collection Bureau, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was 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 Gulf Coast Collection Bureau, INC.?
Yes, visit the Gulf Coast Collection Bureau, INC. company profile at readthecomplaint.com/company/gulf-coast-collection-bureau-inc 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.