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DISCLAIMER: This article is based on a complaint. The defendant has not responded to the complaint to present its side of the case. The claims mentioned are accusations and should be considered as such until and unless proven otherwise.
A collection operation is facing a class-action lawsuit in the District Court for the Eastern District of Washington for allegedly violating the Fair Debt Collection Practices Act for sending text messages to a consumer after the consumer opted out of receiving texts.
The background: Starting in March 2025, the plaintiff began receiving text message communications from the defendant. After receiving a second message in June 2025, the plaintiff allegedly replied “stop” to unsubscribe and opt out of receiving additional communications from the defendant.
- The defendant allegedly replied with a message confirming the plaintiff had opted out and would no longer receive messages.
- In December, the plaintiff allegedly received another text message from the defendant, offering to settle the debt for up to 80% off the balance. The message included a link to the defendant’s payment portal, an agency ID number and an opt-out message to unsubscribe from receiving future text messages.
- Screenshots included in the complaint make it appear as though there were at least two messages sent after the plaintiff unsubscribed.
- Receiving the additional text messages wasted the plaintiff’s time, according to the complaint, while also angering, frustrating, and annoying him.
The claims: The suit accuses the defendant of violating Section 1692c(c) of the FDCPA for not honoring the cease request that was made by the plaintiff, according to the complaint.
- The suit seeks to include anyone living in the United States who received a text message from the defendant after previously communicating in writing a refusal to pay the debt and/or a request that the defendant cease further communication.
