Privacy Policy Violation

[eloise]

My question involves collection proceedings in the State of: SC
Hi there,
I am unsure if this is the correct area of the forum to ask this question, the loan in question is a very high rate boat loan we have through a local bank {should I mention the bank on the forum?}. The loan has been in good standing for years as they take the payments automatically from our bank account.
Because of a job change last year, my husband's paychecks were not falling at the same dates the loan payments were coming out, so after a year of dreading the 15th between paychecks, I cancelled the automated payments and am still waiting for his paycheck to come in so I can make the payment, I already set up "web bill pay" through my own bank {not the bank in question} and am set, I just need to wait a few more days for his paycheck.
The loan us now 10 days late, not a month, not a few weeks, 10 days. When I called to get the automated payments cancelled, I explained why, and I also made sure all our contact information was correct, it had not changed, so, it was correct anyway.
Well, the bank has decided to start calling my in-laws regarding the payment, who are not on the loan, or have any knowledge of it. I don't understand why WE have not been contacted at all, I mean, it is not up to date, but it is not THAT late either, and I also contacted them to explain!
So, I really would like some guidance regarding our privacy, I read the bank privacy policy and it mentions nothing regarding contacting, then I went through the FDCPA and really could not find something that would apply to my situation.
What should I do so this does not happen again? The payment will be in their hands in a few days, they have my contact info, I have contacted them myself, and it's quite embarrassing when they are contacting my in-laws regarding a loan that is not even 30 days behind. I don't know, I really feel mad that this is happening. Any advise on what or how to get them to stop this behavior? Have they violated any laws?

[Mr. Knowitall]

Who contacted your in-laws - the bank, a collection agency, or somebody else - and how did they come to have that contact information?

[eloise]

The people who contacted her was the bank. Contact information, not a clue how they came about it, I don't even have their un-listed home number {which is how they contacted them} I only have their cellphones.
Since I placed this post, the bank, sent me here, to my home, my current address as well, paperwork wanting me to "update our new information" .... which has not changed.

[souperdave]

There has got to be a bit more to this story you're not sharing. Seems to me to be a bit of a stretch for this sorta contact to take place regarding business matters that have nothing at all to do with the contacted party on a financial matter that is allegedly slightly in arrears but not quite defaulted.

Have you asked the institution why they contacted a party that has no interest or involvement in your affairs?