Debt collection -- Communication tactics -- Complaint #9986699
Debt Collector Ignores Cease Communication Request
Complaint Overview
Complaint ID: 9986699
Company: The Moore Law Group
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
State: California
ZIP Code: 95111
Date Received: 2024-08-31T12:00:00-05:00
Date Sent to Company: 2024-08-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
The continued contact after a cease communication request suggests a potential violation of the Fair Debt Collection Practices Act (FDCPA), which could lead to further legal action or penalties.
Consumer Sentiment: negative
Topics: Debt collection, Harassment, FDCPA
AI Analysis
CFPB complaint 9986699 was filed against The Moore Law Group regarding Debt collection (Credit card debt), specifically about "Communication tactics". A consumer reported that The Moore Law Group continued to contact them after being told to stop, despite the complaint being closed with an explanation. The complaint was received on August 31, 2024 from California. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
If a debt collector continues to contact you after you've told them to stop, document all communications and consider consulting with an attorney specializing in consumer protection law.
Legal Context & Consumer Protection Laws
The FDCPA grants consumers the right to request that debt collectors cease communication, and continued contact after such a request is generally prohibited.
Regulatory Insight
This case highlights the importance of strict adherence to consumer communication preferences by debt collectors to avoid FDCPA violations.
Resolution Likelihood
likely
State-Specific Consumer Protections
While the complaint was filed in California, the FDCPA is a federal law that applies nationwide.
Industry Comparison
This behavior is a common issue in the debt collection industry, often leading to consumer complaints.
Related Issues
Frequently Asked Questions
What is CFPB complaint 9986699 about?
CFPB complaint 9986699 involves Debt collection (Credit card debt). The consumer reported an issue with "Communication tactics", specifically "You told them to stop contacting you, but they keep trying". This complaint was filed against The Moore Law Group on August 31, 2024.
Which company is complaint 9986699 filed against?
Complaint 9986699 was filed against The Moore Law Group. You can view all complaints against this company on their profile page at /company/the-moore-law-group.
What was the company's response to complaint 9986699?
The Moore Law Group responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 9986699 filed?
Complaint 9986699 was received by the CFPB on August 31, 2024. It was sent to The Moore Law Group on August 31, 2024.
What state was complaint 9986699 filed from?
Complaint 9986699 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 9986699?
Dispute information is not available for complaint 9986699.
What product category is complaint 9986699 about?
Complaint 9986699 is categorized under "Debt collection", specifically "Credit card debt". This is one of the product categories tracked by the CFPB.
How was complaint 9986699 submitted?
Complaint 9986699 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 9986699?
The FDCPA grants consumers the right to request that debt collectors cease communication, and continued contact after such a request is generally prohibited. This relates to a Debt collection complaint against The Moore Law Group involving "Communication tactics".
How likely is complaint 9986699 to be resolved?
Resolution likelihood: likely. 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 9986699?
This complaint is rated as high risk. The continued contact after a cease communication request suggests a potential violation of the Fair Debt Collection Practices Act (FDCPA), which could lead to further legal action or penalties.
What regulatory actions apply to complaint 9986699?
This case highlights the importance of strict adherence to consumer communication preferences by debt collectors to avoid FDCPA violations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 9986699?
If a debt collector continues to contact you after you've told them to stop, document all communications and consider consulting with an attorney specializing in consumer protection law.
Are there state-specific protections for complaint 9986699?
While the complaint was filed in California, the FDCPA is a federal law that applies nationwide. This complaint was filed from California.
How does complaint 9986699 compare to industry norms?
This behavior is a common issue in the debt collection industry, often leading to consumer complaints.
What specific actions can a consumer take if a debt collector continues to contact them after a cease communication request?
Consumers can file a complaint with the CFPB, report the violation to their state Attorney General, and consult with a consumer protection attorney to explore legal options, which may include suing the debt collector for damages.
What constitutes a valid 'cease communication' request under the FDCPA?
A cease communication request must be in writing and sent to the debt collector. Once received, the collector must generally stop contacting the consumer, except to notify them of specific actions like a lawsuit or termination of services.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.