Debt collection -- Communication tactics -- Complaint #5647922
Complaint Overview
Complaint ID: 5647922
Company: Plusfour, INC
Product: Debt collection
Sub-Product: I do not know
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Nevada
ZIP Code: 89139
Date Received: 2022-06-08T12:00:00-05:00
Date Sent to Company: 2022-06-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022 I received a call from the collection agency while I was currently admitted in the XXXX. I missed the call so I called them back and advised them that I was not in a position to discuss the situation at all and they they needed to cease any and all communication immediately and disconnected the call. Since them they have continued to make repeated attempts to contact me ( at least 5 additional calls since then ). They use deceptive measures to disguise their identity buy consistently changing the caller ID to read veracious things, however they do provide voicemail messages. The voicemail is the " XXXX XXXX '' so clearly is the agency that was placed on a cease communications verbally. I have had no communication in written form to date. They were legally mandated to provide a XXXX letter per Nevada collections law sent either certified mail or registered mail. This was never done. This would have provided me 30 days notice prior top any collections beginning. Once this is done they can send a initial collections letter providing 30 days to dispute the debt. This never happened either. This agency is clearly not abiding by Federal or state laws such as the FDCPA or state laws XXXX XXXX as well as well as the regulation F mandate that provides a 7 day cool off period between calls once communication is established. The initial conversation was on XX/XX/2022 ( provided they were not placed on a verbal cease and deceit ) and they provided a voicemail message on XX/XX/2022. This collection agency is using and continues to use Unfair, deceptive, or abusive acts and practices as part of the daily operations. I currently still have no idea what debt they may be referring to since they never handled themself correctly with any communication both written or verble. Please help me put an end to the abuse and harassment.
Frequently Asked Questions
What is Complaint #5647922 about?
Complaint #5647922 was filed against Plusfour, INC regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2022-06-08T12:00:00-05:00.
How did Plusfour, 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 Plusfour, INC?
Yes, visit the Plusfour, INC company profile at readthecomplaint.com/company/plusfour-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.