Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692e, provides, in part, as follows: “A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
“(2) The false representation of . . . any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. “
Dear [Debt Collector's Name], I am writing to bring to your attention my deep concerns regarding the collection activities pursued by your company in relation to a debt I supposedly owe. It has come to my attention that there have been false or misleading misrepresentations made during these collection activities. I believe it is crucial to address these concerns promptly and ensure that such practices are rectified. Firstly, I would like to highlight that falsely representing any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt is a severe violation of both state and federal debt collection laws. It is essential to emphasize that these laws are in place to protect consumers like myself from unjust or unethical practices. During my interactions with your company, I have observed several instances where misleading information has been conveyed to me. For instance, on [date], a representative from your firm claimed that additional fees were incurred because services had been rendered by your company. However, I have not received any services or benefits that would warrant such fees. Furthermore, after conducting thorough research and consulting legal sources, I have verified that no law permits or sanctions debt collectors to charge for services not provided. Moreover, on [date], I received a notification from your company stating that the compensation you are seeking includes fees, costs, and charges beyond what is permitted by law. This raises concerns about your company's adherence to the Fair Debt Collection Practices Act (FD CPA), which strictly regulates the compensation that debt collectors can lawfully obtain. Falsely representing compensation that exceeds the legal boundaries is a direct violation of this act and warrants immediate action. I would like to request that you review your company's collection activities in light of the aforementioned misrepresentations and take appropriate corrective measures. Please ensure that all your representatives are well-informed about the laws governing debt collection and refrain from misleading or false statements. Furthermore, I expect a written confirmation from your company acknowledging that these false or misleading misrepresentations were made in error and will not be repeated in the future. Failure to address and rectify these concerns promptly may result in the initiation of legal action and a formal complaint filed with the appropriate state and federal consumer protection agencies. I hope to resolve this matter amicably and avoid any unnecessary escalation. Your immediate attention to this matter is greatly appreciated. I expect a written response within [number of days] outlining the actions taken to rectify the misrepresentations identified and a commitment to prevent their recurrence. Please be advised that I will be retaining copies of all correspondence for future reference. Sincerely, [Your Name] [Your Address] [City, State, Zip Code] [Phone Number] [Email Address]Dear [Debt Collector's Name], I am writing to bring to your attention my deep concerns regarding the collection activities pursued by your company in relation to a debt I supposedly owe. It has come to my attention that there have been false or misleading misrepresentations made during these collection activities. I believe it is crucial to address these concerns promptly and ensure that such practices are rectified. Firstly, I would like to highlight that falsely representing any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt is a severe violation of both state and federal debt collection laws. It is essential to emphasize that these laws are in place to protect consumers like myself from unjust or unethical practices. During my interactions with your company, I have observed several instances where misleading information has been conveyed to me. For instance, on [date], a representative from your firm claimed that additional fees were incurred because services had been rendered by your company. However, I have not received any services or benefits that would warrant such fees. Furthermore, after conducting thorough research and consulting legal sources, I have verified that no law permits or sanctions debt collectors to charge for services not provided. Moreover, on [date], I received a notification from your company stating that the compensation you are seeking includes fees, costs, and charges beyond what is permitted by law. This raises concerns about your company's adherence to the Fair Debt Collection Practices Act (FD CPA), which strictly regulates the compensation that debt collectors can lawfully obtain. Falsely representing compensation that exceeds the legal boundaries is a direct violation of this act and warrants immediate action. I would like to request that you review your company's collection activities in light of the aforementioned misrepresentations and take appropriate corrective measures. Please ensure that all your representatives are well-informed about the laws governing debt collection and refrain from misleading or false statements. Furthermore, I expect a written confirmation from your company acknowledging that these false or misleading misrepresentations were made in error and will not be repeated in the future. Failure to address and rectify these concerns promptly may result in the initiation of legal action and a formal complaint filed with the appropriate state and federal consumer protection agencies. I hope to resolve this matter amicably and avoid any unnecessary escalation. Your immediate attention to this matter is greatly appreciated. I expect a written response within [number of days] outlining the actions taken to rectify the misrepresentations identified and a commitment to prevent their recurrence. Please be advised that I will be retaining copies of all correspondence for future reference. Sincerely, [Your Name] [Your Address] [City, State, Zip Code] [Phone Number] [Email Address]
