Debt collection -- Communication tactics -- Complaint #20818719
Consumer Alleges Harassment by Auto Debt Collector
Complaint Overview
Complaint ID: 20818719
Company: Seattle Service Bureau, INC
Product: Debt collection
Sub-Product: Auto debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
State: Alaska
ZIP Code: 99645
Date Received: 2026-03-31T12:00:00-05:00
Date Sent to Company: 2026-03-31T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Frequent and repeated calls can be considered harassment, potentially violating debt collection regulations.
Consumer Sentiment: neutral
Topics: Debt collection, Auto debt, Communication tactics
AI Analysis
CFPB complaint 20818719 was filed against Seattle Service Bureau, Inc regarding Debt collection (Auto debt), specifically about "Communication tactics". A consumer in Alaska filed a complaint against Seattle Service Bureau, Inc. regarding frequent and repeated calls related to auto debt collection. The complaint was received on March 31, 2026 from Alaska. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
If you are receiving excessive calls, document them and consider sending a cease and desist letter.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, deceptive, and unfair debt collection practices, including harassment.
Regulatory Insight
Regulators monitor debt collectors for patterns of excessive communication that could be deemed harassing.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint was filed by a consumer residing in Alaska.
Industry Comparison
Debt collection agencies often face scrutiny over their communication methods, with frequent calls being a common point of contention.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20818719 about?
CFPB complaint 20818719 involves Debt collection (Auto debt). The consumer reported an issue with "Communication tactics", specifically "Frequent or repeated calls". This complaint was filed against Seattle Service Bureau, Inc on March 31, 2026.
Which company is complaint 20818719 filed against?
Complaint 20818719 was filed against Seattle Service Bureau, Inc. You can view all complaints against this company on their profile page at /company/seattle-service-bureau-inc.
What was the company's response to complaint 20818719?
Seattle Service Bureau, Inc responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20818719 filed?
Complaint 20818719 was received by the CFPB on March 31, 2026. It was sent to Seattle Service Bureau, Inc on March 31, 2026.
What state was complaint 20818719 filed from?
Complaint 20818719 was filed from Alaska. You can view all complaints from this state at /state/AK.
Was the consumer satisfied with the resolution of complaint 20818719?
Dispute information is not available for complaint 20818719.
What product category is complaint 20818719 about?
Complaint 20818719 is categorized under "Debt collection", specifically "Auto debt". This is one of the product categories tracked by the CFPB.
How was complaint 20818719 submitted?
Complaint 20818719 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 20818719?
The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, deceptive, and unfair debt collection practices, including harassment. This relates to a Debt collection complaint against Seattle Service Bureau, Inc involving "Communication tactics".
How likely is complaint 20818719 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20818719?
This complaint is rated as medium risk. Frequent and repeated calls can be considered harassment, potentially violating debt collection regulations.
What regulatory actions apply to complaint 20818719?
Regulators monitor debt collectors for patterns of excessive communication that could be deemed harassing. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20818719?
If you are receiving excessive calls, document them and consider sending a cease and desist letter.
Are there state-specific protections for complaint 20818719?
The complaint was filed by a consumer residing in Alaska. This complaint was filed from Alaska.
How does complaint 20818719 compare to industry norms?
Debt collection agencies often face scrutiny over their communication methods, with frequent calls being a common point of contention.
What constitutes 'frequent or repeated' calls under the FDCPA?
While not explicitly defined, courts generally consider calls that cause substantial emotional distress or annoyance to be frequent or repeated.
Can a debt collector call multiple times a day?
The FDCPA prohibits calling at inconvenient times or places, and repeated calls intended to annoy, abuse, or harass are also forbidden.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.