Debt collection -- Electronic communications -- Complaint #18958742
Debt Collector Ignores 'Stop Contact' Request
Complaint Overview
Complaint ID: 18958742
Company: Mrs Bpo, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Electronic communications
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Connecticut
ZIP Code: 068XX
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2026-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The company's explanation for continuing contact after a cease and desist request may not fully address the consumer's rights or the legality of their actions.
Consumer Sentiment: neutral
Topics: Debt collection, Electronic communications, Harassment
AI Analysis
CFPB complaint 18958742 was filed against MRS BPO, LLC regarding Debt collection (I do not know), specifically about "Electronic communications". A consumer reported that MRS BPO, LLC continued to contact them electronically after being told to stop, despite the company providing an explanation for the continued contact. The complaint was received on November 30, 2025 from Connecticut. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should document all communication attempts and clearly state their desire to stop contact in writing, keeping a copy for their records.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in harassment or abuse, including contacting consumers after they have requested the collector to cease communication.
Regulatory Insight
Regulators may scrutinize the explanation provided by MRS BPO, LLC to ensure it aligns with FDCPA requirements regarding consumer communication preferences.
Resolution Likelihood
mixed
State-Specific Consumer Protections
Connecticut law may offer additional protections or avenues for recourse regarding debt collection practices.
Industry Comparison
This situation is common in the debt collection industry, where disputes over communication frequency and methods arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18958742 about?
CFPB complaint 18958742 involves Debt collection (I do not know). 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 MRS BPO, LLC on November 30, 2025.
Which company is complaint 18958742 filed against?
Complaint 18958742 was filed against MRS BPO, LLC. You can view all complaints against this company on their profile page at /company/mrs-bpo-llc.
What was the company's response to complaint 18958742?
MRS BPO, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18958742 filed?
Complaint 18958742 was received by the CFPB on November 30, 2025. It was sent to MRS BPO, LLC on January 23, 2026.
What state was complaint 18958742 filed from?
Complaint 18958742 was filed from Connecticut. You can view all complaints from this state at /state/CT.
Was the consumer satisfied with the resolution of complaint 18958742?
Dispute information is not available for complaint 18958742.
What product category is complaint 18958742 about?
Complaint 18958742 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 18958742 submitted?
Complaint 18958742 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 18958742?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in harassment or abuse, including contacting consumers after they have requested the collector to cease communication. This relates to a Debt collection complaint against MRS BPO, LLC involving "Electronic communications".
How likely is complaint 18958742 to be resolved?
Resolution likelihood: mixed. 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 18958742?
This complaint is rated as medium risk. The company's explanation for continuing contact after a cease and desist request may not fully address the consumer's rights or the legality of their actions.
What regulatory actions apply to complaint 18958742?
Regulators may scrutinize the explanation provided by MRS BPO, LLC to ensure it aligns with FDCPA requirements regarding consumer communication preferences. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18958742?
Consumers should document all communication attempts and clearly state their desire to stop contact in writing, keeping a copy for their records.
Are there state-specific protections for complaint 18958742?
Connecticut law may offer additional protections or avenues for recourse regarding debt collection practices. This complaint was filed from Connecticut.
How does complaint 18958742 compare to industry norms?
This situation is common in the debt collection industry, where disputes over communication frequency and methods arise.
What specific explanation did MRS BPO, LLC provide for continuing contact?
The provided data indicates the complaint was 'Closed with explanation,' but the nature of that explanation is not detailed. A thorough review would require understanding the company's justification.
Does the 'explanation' provided by MRS BPO, LLC constitute a valid reason under the FDCPA to continue contact?
Generally, once a consumer requests a debt collector to cease communication, the collector must stop, with limited exceptions like attempting to provide specific information about legal action or confirming the debt. The explanation would need to fall within these narrow exceptions to be valid.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.