Debt collection -- Attempts to collect debt not owed -- Complaint #18638035
Complaint Overview
Complaint ID: 18638035
Company: Tidewater Finance Company, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Illinois
ZIP Code: 601XX
Date Received: 2026-01-11T12:00:00-05:00
Date Sent to Company: 2026-01-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
TIDEWATER MOTOR CREDIT. XXXX To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). You are hereby directed to cease and desist all communication with me regarding the above-referenced account, or any alleged debt associated with my name, immediately. This includes, but is not limited to, phone calls, text messages, emails, letters, and communication through third parties. I do not acknowledge, admit, or assume responsibility for any alleged debt referenced by your company. This request is not a refusal to pay, nor is it an admission of liability. It is a lawful demand that all collection communication stop. You may only contact me again for one of the following reasons, as permitted by law : To confirm that you will comply with this request and cease all communication, or To notify me of a specific legal action you actually intend to take. Any communication beyond what is permitted under 15 U.S.C. 1692c ( c ) will be documented as a willful violation of federal law and may result in complaints filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, as well as civil liability. Govern yourself accordingly.
Frequently Asked Questions
What is Complaint #18638035 about?
Complaint #18638035 was filed against Tidewater Finance Company, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-01-11T12:00:00-05:00.
How did Tidewater Finance Company, 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 Tidewater Finance Company, INC.?
Yes, visit the Tidewater Finance Company, INC. company profile at readthecomplaint.com/company/tidewater-finance-company-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.