Colecta
1.5|6 reviews
PL
Paul L
1 reviews | Active since Member
08 Aug 2025, 04:54
*** extremely unprofessional & potential ******* practices***
This collection agency has demonstrated completely unacceptable business practices. Despite being properly notified that I am working with a debt counselor and providing documented proof of this arrangement, they have continued their harassment campaign.
Their violations include: - Excessive contact through multiple channels (phone calls, texts, emails) after being told to cease - Continuing collection activities after receiving notification of debt counseling representation - Sending contradictory communications, including thanking me for payments that were never made - Complete disregard for proper debt collection procedures. This behavior appears to violate the Fair Debt Collection Practices Act (FDCPA), which prohibits harassment and requires collectors to respect third-party representation. Their unprofessional conduct, including the bizarre "thank you for payment" message for non-existent payments, shows a concerning lack of basic competency. I strongly advise others to document all interactions with this agency and know your rights under the FDCPA. No one should have to endure this level of unprofessional harassment. **Recommendation: Avoid at all costs. Seek legitimate debt resolution services elsewhere.**
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Paul L's updateReviewer Update
08 Aug 2025, 05:01**UPDATE: Pattern of Harassment Confirmed**
After reading other reviews on this platform, it's clear that my experience is not isolated. Multiple consumers are reporting identical harassment tactics, continued contact with or without debt counseling notification, and unprofessional behavior.
This consistent pattern of complaints strongly suggests systemic violations of consumer protection laws rather than isolated incidents. When multiple unrelated customers report the same ******* practices, it indicates a company-wide policy of disregarding FDCPA regulations.
The fact that they continue operating with these practices despite numerous complaints raises serious questions about their legitimacy and oversight. Consumers should be extremely cautious and consider reporting these violations to:
- Consumer Financial Omb dsman (CFPB)
- National Credit Regulator
- Better Business Bureau
No legitimate debt collection agency should have this many harassment complaints. The pattern speaks for itself.
After reading other reviews on this platform, it's clear that my experience is not isolated. Multiple consumers are reporting identical harassment tactics, continued contact with or without debt counseling notification, and unprofessional behavior.
This consistent pattern of complaints strongly suggests systemic violations of consumer protection laws rather than isolated incidents. When multiple unrelated customers report the same ******* practices, it indicates a company-wide policy of disregarding FDCPA regulations.
The fact that they continue operating with these practices despite numerous complaints raises serious questions about their legitimacy and oversight. Consumers should be extremely cautious and consider reporting these violations to:
- Consumer Financial Omb dsman (CFPB)
- National Credit Regulator
- Better Business Bureau
No legitimate debt collection agency should have this many harassment complaints. The pattern speaks for itself.
PL
Paul L's update08 Aug 2025, 05:01
Reviewer Update
**UPDATE: Pattern of Harassment Confirmed**
After reading other reviews on this platform, it's clear that my experience is not isolated. Multiple consumers are reporting identical harassment tactics, continued contact with or without debt counseling notification, and unprofessional behavior.
This consistent pattern of complaints strongly suggests systemic violations of consumer protection laws rather than isolated incidents. When multiple unrelated customers report the same ******* practices, it indicates a company-wide policy of disregarding FDCPA regulations.
The fact that they continue operating with these practices despite numerous complaints raises serious questions about their legitimacy and oversight. Consumers should be extremely cautious and consider reporting these violations to:
- Consumer Financial Omb dsman (CFPB)
- National Credit Regulator
- Better Business Bureau
No legitimate debt collection agency should have this many harassment complaints. The pattern speaks for itself.
After reading other reviews on this platform, it's clear that my experience is not isolated. Multiple consumers are reporting identical harassment tactics, continued contact with or without debt counseling notification, and unprofessional behavior.
This consistent pattern of complaints strongly suggests systemic violations of consumer protection laws rather than isolated incidents. When multiple unrelated customers report the same ******* practices, it indicates a company-wide policy of disregarding FDCPA regulations.
The fact that they continue operating with these practices despite numerous complaints raises serious questions about their legitimacy and oversight. Consumers should be extremely cautious and consider reporting these violations to:
- Consumer Financial Omb dsman (CFPB)
- National Credit Regulator
- Better Business Bureau
No legitimate debt collection agency should have this many harassment complaints. The pattern speaks for itself.