Here's a good sample that website suggests to send via email:
June 25, 2011
PayPal Inc.
Attention: PayPal Legal Department
2145 Hamilton Avenue
San Jose, California 95125
Re: My Paypal Account
Paypal Cases #
Dear PayPal,
On (fill in your date), I advised you in writing of the following:
“I would also like to request, in writing, that no telephone contact be made by your offices to my home, my cell phone, or to my place of employment. If your offices attempt any telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit against you.
Today I received a series of telephone calls on my home phone and cell phone from the PayPal Collections Department re: the negative balance on my account. I have noted this instance of violation of my rights and will continue to document the harrassment until the matter is resolved to my satisfaction.
I will remind you below of the law governing your conduct.
Regards,
(fill in your name)
cc: Scott Thompson, John Donahoe
Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b)
Prohibited conduct
The Act prohibits certain types of "abusive and deceptive" conduct when attempting to collect debts, including the following:
Communicating with consumer after request for validation has been made: communicating with the consumer or the pursuing collection efforts by the debt collector after receipt of a consumer's written request for verification of a debt made within the 30 day validation period (or for the name and address of the original creditor on a debt) and before the debt collector mails the consumer the requested verification or original creditor's name and address.
Failure to cease communication upon request: communicating with consumers in any way (other than litigation) after receiving written notice that said consumer wishes no further communication or refuses to pay the alleged debt, with certain exceptions, including advising that collection efforts are being terminated or that the collector intends to file a lawsuit or pursue other remedies where permitted.
Hours for phone contact: contacting consumers by telephone outside of the hours of 8:00 a.m. to 9:00 p.m. local time.
Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously: with intent to annoy, abuse, or harass any person at the called number.
Communicating with consumers at their place of employment after having been advised that this is unacceptable or prohibited by the employer.
Contacting consumer known to be represented by an attorney.
Misrepresentation or deceit: misrepresenting the debt or using deception to collect the debt, including a debt collector's misrepresentation that he or she is an attorney or law enforcement officer.
Publishing the consumer's name or address on a "bad debt" list.
Seeking unjustified amounts, which would include demanding any amounts not permitted under an applicable contract or as provided under applicable law.
Threatening arrest or legal action that is either not permitted or not actually contemplated.
Abusive or profane language used in the course of communication related to the debt.
Communication with third parties: revealing or discussing the nature of debts with third parties (other than the consumer's spouse or attorney).
Contact by embarrassing media, such as communicating with a consumer regarding a debt by post card, or using any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram.
Reporting false information on a consumer's credit report or threatening to do so in the process of collection.
Enforcement of the FDCPA
Aggrieved consumers may also file a private lawsuit in a state or federal court to collect damages (actual, statutory, attorney's fees, and court costs) from third-party debt collectors. The FDCPA is a strict liability law, which means that a consumer need not prove actual damages in order to claim statutory damages of up to $1,000 plus reasonable attorney fees if a debt collector is proven to have violated the FDCPA.
I'm sure she understood. New members are in a tight spot when they've got big problems and can't post.
