Debt collection -- Electronic communications -- Complaint #9390247
Debt Collector Ignores Stop Contact Request and Continues Harassing Communications
Complaint Overview
Complaint ID: 9390247
Company: Mrs Bpo, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Electronic communications
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Louisiana
ZIP Code: 707XX
Date Received: 2024-06-30T12:00:00-05:00
Date Sent to Company: 2024-07-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
The debt collector's continued contact after a cease and desist request and failure to provide requested debt validation information may violate the Fair Debt Collection Practices Act (FDCPA).
Consumer Sentiment: negative
Topics: Debt collection, Harassment, FDCPA violation, Electronic communications
AI Analysis
CFPB complaint 9390247 was filed against MRS BPO, LLC regarding Debt collection (Credit card debt), specifically about "Electronic communications". A consumer is complaining that a debt collector, MRS BPO, LLC, continues to contact them via text message and phone calls, even after being told to stop and requested to provide debt information in writing, which was never received. The complaint was received on June 30, 2024 from Louisiana. The company responded with "Closed with non-monetary relief".
Consumer Narrative
XXXX XXXX debt, was charged off in XXXX XXXX XXXX, However collection company has called several times. I inform them to provide information pertain to debt in writing. To Please stop Calling Me, Never recieved the information i requested, I continue to get text message regarding that debt from debt collectors. The name of the collection agency is MRS BPO, PHONE # XXXX. The message are coming constantly beginning around XXXX, XXXX, XXXX, up until now. My rights have been violated. I never Provide written consent to furnish or obtain my personal information. The debt was XXXX.
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all communications, including dates, times, and content, and consider sending a formal cease and desist letter via certified mail.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in harassing or abusive conduct, including contacting consumers after they have requested the collector to stop.
Regulatory Insight
This case highlights the importance of debt collectors adhering to consumer requests to cease communication and the potential consequences of failing to validate debts when requested.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Louisiana, and state laws may offer additional protections regarding debt collection practices.
Industry Comparison
This situation is common in the debt collection industry, where consumers often face persistent and sometimes aggressive collection tactics.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9390247 about?
CFPB complaint 9390247 involves Debt collection (Credit card debt). 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 June 30, 2024.
Which company is complaint 9390247 filed against?
Complaint 9390247 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 9390247?
MRS BPO, LLC responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 9390247 filed?
Complaint 9390247 was received by the CFPB on June 30, 2024. It was sent to MRS BPO, LLC on July 9, 2024.
What state was complaint 9390247 filed from?
Complaint 9390247 was filed from Louisiana. You can view all complaints from this state at /state/LA.
Was the consumer satisfied with the resolution of complaint 9390247?
Dispute information is not available for complaint 9390247.
What product category is complaint 9390247 about?
Complaint 9390247 is categorized under "Debt collection", specifically "Credit card debt". This is one of the product categories tracked by the CFPB.
How was complaint 9390247 submitted?
Complaint 9390247 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 9390247?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in harassing or abusive conduct, including contacting consumers after they have requested the collector to stop. This relates to a Debt collection complaint against MRS BPO, LLC involving "Electronic communications".
How likely is complaint 9390247 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 9390247?
This complaint is rated as high risk. The debt collector's continued contact after a cease and desist request and failure to provide requested debt validation information may violate the Fair Debt Collection Practices Act (FDCPA).
What regulatory actions apply to complaint 9390247?
This case highlights the importance of debt collectors adhering to consumer requests to cease communication and the potential consequences of failing to validate debts when requested. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 9390247?
Consumers should keep detailed records of all communications, including dates, times, and content, and consider sending a formal cease and desist letter via certified mail.
Are there state-specific protections for complaint 9390247?
The consumer is located in Louisiana, and state laws may offer additional protections regarding debt collection practices. This complaint was filed from Louisiana.
How does complaint 9390247 compare to industry norms?
This situation is common in the debt collection industry, where consumers often face persistent and sometimes aggressive collection tactics.
Does the Fair Debt Collection Practices Act (FDCPA) apply to this debt collector?
Yes, if MRS BPO, LLC is a third-party debt collector attempting to collect a consumer debt, the FDCPA applies to their actions.
What constitutes a violation of the FDCPA in this scenario?
Continuing to contact the consumer after they requested the collector to stop, and failing to provide debt validation information upon request, are potential FDCPA violations.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.