Aldridge PIte Haan, LLP CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web	Older American
Part 2 of 2 continued Debt collector obligations 809. Validation of debts ( Part 1 of a 2 Part CFPB Complaint ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXeference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXeference : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demands for arbitration case filings filed XX/XX/XXXX styled : XXXX XXXX versus XXXXXXXX XXXX awaiting filing fee payments billed for XXXX for each case from XXXX XXXX as consumer XXXX filing fees satisfied/paid Dear XXXX Collector : The amount and age of the purported debt, including : A copy of the every billing statement sent to me by the purported original creditor since inception. State the required Date of First Delinquency ( month/day/year ) with the detailed amount of the purported debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing. If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment and amount made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss ( in writing, of course ) the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name and previous names on the license, the license number, the valid status of the license and the name, address and telephone number of the state agency issuing the license. Also provide me with any name currently and previously included as a debt collector for making CFPB complaints on its website. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you in writing with all documentation requested herein to make an informed decision about your claim that I owe this money. I expect a XXXX time written communication for this purpose but only in writing provided you fully address each and every item of requested data I seek. In order to make sure that I am not put at any disadvantage, in the meantime please treat this purported debt as being in dispute in its entirety. Nothing contained in my letter should be construed in any way as an admission of any responsibility whatsoever for the purported claim. Failure to respond in writing controverting my allegations and points shall be deemed your admission by your non response and all conflicts shall be resolved in my favor. In addition to providing the information requested above, please let me know whether you are prepared to pay me for statutory and punitive damages in an amount not less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will pay me to fully resolve the account with an exchange of mutual general releases which, of course, would require permanent deletion from every CRA file of any reported data, if any. In addition to the Federal Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act prohibits harassment, false or misleading statements and unfair practices by collection agencies and debt collectors. Some violations of these acts are listed below : 1. They threaten to tell your employer or neighbors about the debt ; 2. Threaten violence against you ; 3. Threaten to have you arrested ; 4. Communicate with you or your spouse more than XXXXXXXX XXXX a week ; 5. Harass, intimidate, threaten or embarrass you ; 6. Imply that documents sent to you are legal documents or government documents ; 7. Imply that you can be deported ; or XXXX. Solicit a postdated check in order to threaten criminal prosecution. The CFPB and advocates recommend consumers to also check to see if their state licenses debt collectors and if the company that is contacting them is licensed. If a state does not license debt collectors, check the registry for a neighboring state. Some states also provide licensing information to the XXXX XXXX XXXX XXXX at XXXX. That website will thus provide a few more states where the debt collector might be licensed. I purposely repeat myself to make it clear that I need to know complete details of what licenses you are required to have and what licenses you have. The CFPB and others recommend the Stop Contact or Cease Letter strategy to stop collection harassment by writing the collector a stop contact letter, also called a cease letter. Then the collector can only acknowledge the letter and notify the consumer about legal steps the collector may take. This protection usually only applies to collection agencies hired by the creditor or debt buyers that purchased debts from the creditor, but even creditors collecting their own debts must honor such requests as basic agency law requires creditors to be responsible for actions of the bill collector agents. Again, as stated above purposely several times to make the point absolutely clear, please stop contact and cease further communication of any kind whatsoever. I have also stated several times what advocates call the Exempt Income Letter to avoid fruitless expenses. If a consumers only sources of income are state or federal government benefits, their income may most likely be exempt or protected from collection. If the collector is informed that government benefits are the consumers only source of income, the collector may voluntarily stop contacting them about the alleged debt. Collectors can be informed that all of the consumers income is exempt which I have done to avoid an unreasonable multiplicity of proceedings having no purpose. Again, All of my limited income is from EXEMPT sources! Again, you should consider this a Dispute Letter as I DISPUTE the entire purported claim. If the consumer believes the debt is not theirs, that the amount is incorrect, or that there is some other error, the consumer or their attorney should send the collector a dispute letter. Collectors make a lot of mistakes and disputing the debt may help resolve the matter. Federal law requires debt collectors to provide validation information about the alleged debt and consumers rights to dispute the debt. Collectors will be able to provide this information in writing. It is recommended that if a debt collector claims to have sent a notice previously but the consumer never received it, ask for another copy. Keep a copy of any letters that are sent. It is best to send the letter by mail, return receipt requested. A CFPB complaint is the best method to document a DISPUTE and Debt Validation as it not only proves delivery to the Debt Collector but it requires the Debt Collector to respond promptly. Debt Validation letters and Disputes can also be sent electronically using any type of electronic communication that the debt collector uses to accept consumer communications. If the collection agency accepts emails from consumers, the dispute letter can be sent via email. To insure this letter is not lost, delayed in the mail or mishandled by the Debt Collector, I am also sending this letter with any attachments via the CFPB Complaint Portal and website to assure receipt and guarantee a timely response. Advocates such as the CFPB state that a dispute letter may be combined with a request for more information in a Verification Letter. Often it is not even clear what debt a collector is contacting the consumer about, and in that case, the consumer should not pay the collector until more information is obtained. Federal law requires debt collectors to provide validation information about the alleged debt. However, the consumer may still have more questions about the alleged debt. My letter demands documentation which is indispensable in determining the amount and validity of the purported claim. The FCRA requires every CRA and Furnishers to maintain reasonable procedures in their operations to assure maximum possible completeness and accuracy of data in the credit reports they report and publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The CFPB has repeatedly criticized the dispute process involving Furnishers and CRAs. CRAs routinely fail to forward complete written disputes to Furnishers and routinely PARROT non existent investigations and certifications from Furnishers and fail to delete and prevent known Facially False Data in violation the recent directives of XXXX XXXX, CFPB Director. To enforce the FCRA, I have filed multiple direct and indirect CRA/Furnisher written disputes including about 100 CFPB complaints yet virtually no dispute is listed on my credit reports as Disputed as required in willful violations of the FCRA and XXXX XXXX protocols. To the extent that your purported debt has been directly or indirectly included in any of my written disputes, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide ( in addition to all facts regarding investigation records ) the names and business addresses of each individual with whom you client verified the purported debt reporting above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. Furthermore, each of my credit reports for each account contain different and conflicting data on my paper credit reports and data required from Furnishers is either negligently or purposely missing, impossible, incorrect or conflicting and more importantly, Data submitted through XXXX XXXX is not contained on my paper credit reports resulting unknowingly to be of current accounts being falsely reported as 60 days late with credit scores being up to XXXX points lower than expected. XXXX XXXX compliance is out of control. For your purported debt, if it has been reported to a CRA, I need the actual XXXX XXXX submissions ( translated into English ) for the last XXXX years including every monthly and required interim submissions. If I have ever disputed an account with any creditor, I expect every credit report to continually contain the required and mandatory notice that it is DISPUTED which is not happening constituting willful FCRA violations. Any further violations of federal statutes will incur liability for actual, statutory, and punitive damages plus attorney fees and costs. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies Text contains those laws in effect on XX/XX/XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I insist on 100 % compliance with all FCRA and all statutes and knowingly reporting inaccurate information after notice shall constitute willful and negligent violations of the FCRA, subjecting violators to statutory damages of XXXX per incident plus huge punitive damages for repeated known repeated violations. Any current or future debt collector or debt buyer is obligated to investigate and ascertain the extent of and existence of actual or potential FCRA violations before furnishing data to any CRA. To insure compliance with the FCRA and other statutes, your written response must include the purported exact month-day-year for the Date of First Delinquency and the exact day-month-year that the disputed claim would be required to be deleted from every CRA account under the 7 year statute of limitations for credit reporting assuming no payments are made in the future. There is a Duty to Provide Notice of Delinquency of Accounts. In order for there to be a uniform date by which all consumer reporting agencies would compute the seven-year reporting period for adverse items of information, Congress included section 623 ( a ) ( 5 ) with the intent that the seven-year reporting period begin with the commencement of the delinquency rather than any other date. That section of the FCRA states that " a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall. .. notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. My credit reports for every CRA and for most accounts fails to report the mandatory date of First Delinquency in violation of law. Virtually every account on each of my credit reports fails to list my account as DISPUTED pursuant to the clear statute requirements. Failing to list a disputed debt as disputed on every CRA is purposely done by Furnishers for a sinister purpose to harm consumers as much as possible to lower credit scores. Once you dispute a debt to a credit reporting agency, they must report that debt as disputed on your credit file and in your credit reports. Also, if you dispute a debt to one of the XXXX major credit reporting agencies ( XXXX, XXXX, or XXXX ), that particular agency must notify the other XXXX bureaus that you dispute the debt. Failing to list the account as disputed, after a valid dispute has been sent to the credit reporting agency, is a violation of the FCRA. Not only are none of my valid disputes listed as disputed on my credit reports, but once a CRA lists my account as Disputed, virtually the next day the Furnisher will erroneously, purposelessly, maliciously, abusively, willfully, deliberately, intentionally and frivolously remove and delete the Disputed required entry using XXXX XXXX XXXX unauthorized and prohibited entries in violation of the Facially False Data prevention requirements recently explained in detail by CFPB XXXX XXXX XXXX. Not only is the entire XXXX XXXX system unworkable but employees are not adequately trained to insure accurate data coding. Willful failures to report accounts as Disputed and closed carry statutory damages of XXXX plus punitive damages for each violation for every time the required entry was changed or deleted. I insist on 100 % compliance with the FCRA and other statutes mandating deletion if all disputed entries permanently. A common FCRA violation is when a creditor posts late payments after the debt has charged off a past due balance. I will Document this violation by highlighting the accounts on every CRA and by filing a direct and indirect dispute with the Furnisher and every CRA. Care should be taken by the disputed purported debt collector to avoid violating any statutes, if it is stupid enough to report my data to any CRA. The United States Supreme Court has held that willful violations of the FCRA include violations committed in reckless disregard of a company 's obligations under FCRA. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX. This standard of willfulness is now the law of the land. In XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Incorporated XXXX XXXX XXXX XXXX XXXX the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX : On XX/XX/XXXX, XXXX XXXX this suit, alleging that XXXX XXXX XXXX violated its duties as a furnisher of information under FCRA , 15 U.S.C.A. 1681s-2 ( b ) ( 1 ), by failing to report the dispute. At the conclusion of the trial, the court instructed the jury on XXXX XXXX XXXX 's statutory duties as a furnisher of information. The trial court also instructed the jury that it could find XXXXXXXX XXXX XXXX had violated FCRA by failing to report the ongoing dispute After deliberation, the jury returned a verdict finding that XXXX XXXX XXXX had intentionally violated its duties under FCRA. The jury awarded XXXX no compensatory damages but did award the maximum possible statutory damages of XXXX and punitive damages of XXXX. WOW!!! This means that the failure of a XXXX to report a DISPUTE on a consumers credit report could result in statutory damages of XXXX plus punitive damages of XXXX. Failure to list my account as dispute, in violation of law, will not help collection efforts and only result in huge damages to ensure and enforce compliance. While many attorneys recommend filing lawsuits right away for obvious FCRA and FDCPA violations, I prefer to give violators repeated notices as I prefer to get XXXX XXXX XXXX XXXX when a violator is stupid. I have a right to Privacy. Due to extensive and widespread malicious Willful violations of the FCRA, to protect my right to privacy, I hereby immediately OPT OUT and permanently revoke any right to report data on any of my credit reports as otherwise permitted and set forth in section 313.15 - Other exceptions to notice and opt out requirements- ( 5 ) ( i ) To a consumer reporting agency in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1682 et seq. or ( ii ) From a consumer report reported by a consumer reporting agency. The exceptions can apply if and only if every Furnisher and every CRA comply with ALL of their obligations under the FCRA. Once known violations of the FCRA have been disputed with Furnishers and every CRA multiple times without correction or deletion as required, the rights to report is deemed automatically revoked and an affected consumer may unilaterally OPT OUT entirely of credit reporting in the interest of justice. Consumer rights to OPT OUT from credit reporting to prevent inaccurate reporting TRUMP the rights of disputed creditors to flagrantly abuse the FCRA with impunity. The CFPB recently filed an amicus brief, arguing that furnishers are statutorily obligated to investigate both legal and factual questions raised in consumer disputes. The CFPB 's brief acknowledges that several federal courts have distinguished between " factual '' and " legal '' questions in determining the obligation of CRAs to investigate disputes under 15 U.S.C. 1681i. I need a complex analysis of the factual and legal issues and documentation requested herein rather than a worthless bare unsupported denial or statement. Every Furnisher and CRA has failed to comply with any of their obligations as set forth in the below statute which is simple to understand. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition. * Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. * Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to speciry such an address ( 2 ) Duty to correct and update information. A person who * regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer : and * has furnished to a consumer reporting agency information that the person determines is not complete or accurate shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information. that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 1. Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 2. Duty to provide notice of closed accounts. A person who regularly and in the ordinary course of business furnishes information to a consumer reporting agency regarding a consumer who has a credit account with that person shall notify the agency of the voluntary closure of the account by the consumer, in information regularly furnished for the period in which the account is closed. 3. Duty to provide notice of delinquency of accounts. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than XXXX days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action. ( b ) Duties of furnishers of information upon notice of dispute. ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall * conduct an investigation with respect to the disputed information; * review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 168li ] ; * report the results of the investigation to the consumer reporting agency ; and * if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished Simply stated, Furnishers and every CRA willfully and negligently failed to fulfill their mandatory obligations. States and federal authorities seem to attempt to license every possible type of employee, even dog sitters and dog catchers! If a doctor and lawyer needs to be licensed, then it is more important that a XXXX XXXX compliance expert is more important to be licensed to protect the privacy rights of consumers. Send employees back to XXXX XXXX school and refrain from permitting new untrained employees to inaccurately code data entries on consumer credit reports. Some system needs to be in place with comprehensive internal controls to protect consumers from XXXX, XXXX, and XXXX XXXX XXXX codes summarizing complaints without reading and forwarding disputes to Furnishers and other CRAs. We do not need untrained high school students doing the job required by certified EXPERTS. Simple Facially False Data is unable to be detected and corrected after repeated disputes where a Furnisher admits inaccuracies. The entire credit reporting system is a disgrace and the CFPB needs to punish individual violators. I demand complete 100 % compliance with all statutes, federal and state, as a precondition for receiving payment if any kind. CRAs created an unworkable monster with the creation of XXXX XXXX and statutory and punitive damages are the sole remedy to provide consumers with rights required by statutes. We need XXXX XXXX XXXX to continue to partner with CFPB XXXX XXXX XXXX, to lay down the hammer on violators and individual Officers who continue to screw over consumers as part of their DNA. Wouldnt you agree that deliberate violations of the FCRA which unjustly reduces a credit score by XXXX points is wrong? How would you like it if your XXXX and XXXX were wrongly affected by life changing FCRA willful violations? How would you like it if your employer fired you, your spouse or your adult children for repeated willful violations of federal statutes? How would you like it if the CFPB banned you for life from participating in the business you have worked in for XXXX years? How would you like it if all of your assets and sources of income were frozen and taken away? Have a heart and dont take your job so seriously that you will work for peanuts to damage innocent XXXX XXXX citizens who only seek to live the final few years of their life in peace without elder XXXX
10/04/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30291	Web	Servicemember
On XXXX Aldridge Pite Haan LLP charged my credit card {$1600.00}. I have never had any business dealing with this company. I have attempted to call and ask to provide my social security number and no accounts are found. I have contacted my credit card company and was informed to reach out the the company. Attached is the transaction that was deducted off of my credit card. I am asking the CONSUMER FINANCIAL PROTECTION BUREAU TO ENFORCEMENT AS THIS IS THEFT OF FUNDS FROM THIS DEBT COLLECTOR FOR DEBTS THAT I DO NOT OR NOR HAVE I HAVE OWED WITH THIS COMPANY. 1 ) Please validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; 2 ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original Creditor, bearing Consumer wet-ink signature ; 3 ) Please provide proof when the original creditor claims this debt became due and when it became delinquent ; 4 ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and Collector, bearing Consumer wet-ink signature ; 5 ) Please provide a copy of the last billing statement sent to the Consumer by the original Creditor ; 6 ) Please provide late payment notice and/or account closing notice provided by the original Creditor ; 7 ) Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original Creditor authorizing your firm to engage in collection activities on their behalf against the above-alleged account ; 8 ) Please provide me a verified certificate of authority and/or proof that your company is licensed to collect in my State ; 9 ) Please provide a general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original custodian of the books and records ; 10 ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as F.R. 2046 balance sheet ( O.M.B. # XXXX XXXX, XXXX, XXXX ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S, and RC-B call schedules ; 11 ) Please provide verification and/or a copy of any judgment if applicable ; 12 ) Please provide proof of any interest, fees, or other charges expressly authorized by the agreement; 13 ) Please provide a certified copy of all Public Hazard Bond ( s ) and Liability Insurance Policy ( s ) and accounting demonstrating the financial capability of the Collector ; 14 ) Please provide proof that the alleged debt has not already been satisfied by any means available, including but not limited to a Tax write-off, an Insurance Claim, or selling the purported debt to a third-party debt collector ; 15 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt, and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account ; 16 ) Please provide a Statute of Limitations expressly authorized by the agreement; 17 ) Please provide an affidavit signed under the Penalty of Perjury that the Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act . 18 ) Finally, verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 U.S. Code 1346 - scheme or artifice to defraud and U.S.Code -18 U.S.C. 666 theft or bribery concerning programs receiving Federal Funds ). 15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken as deceptive practice. Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with, and your claim is verified/validated, you have no consent to continue any collection activities. This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation to liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency regarding this disputed purported debt. Please take notice that this is a criminal investigation of the business practices of the above-named organization or other government units, its agents, officers, employees, and attorney to determine violations of the United States criminal laws. Your enclosed claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473, and/or 513, and further : using corrupt business practices to make and possess false records and claims of obligation not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of the law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and the corresponding laws of each StaStateignifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees, and expenses incurred in defending against this and any and all continued collection attempts re the above-referenced alleged account. d.Failure of Debt Collector to verify/validate alleged debt legally and adequately as required in this notice is a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
04/16/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 398XX	Web
I XXXX XXXX, was contacted on XX/XX/XXXX by XXXX XXXX at XXXX XXXX. XXXX XXXX stated she was an employee of Aldridge Pite Haan and she would now be handling the case. XXXX XXXX verified the aph file number, address, last four of my SSN, told me the call was being recorded and then proceeded to inform me that the purpose of her call was to see if I would be willing to settle the order for a fair amount. I advised XXXX XXXX that I would not be agreeing to settle as this is a collection on a fraud account. I begin to ask XXXX XXXX about the identity theft victims complaint and affidavit that was returned to her office and received on XX/XX/XXXX as stated in my previous complaint. XXXX XXXX informed me that the investigation was closed as I did not include a police report with the document when it was returned. I informed XXXX XXXX that I could not obtain a police report and that when I went to the XXXX Police Department I was informed that this case was too old to file a report. I instructed XXXX XXXX to pages 5 & 6 of the identity theft victims complaint and affidavit document and the fact that the document do not only require it to be returned with a police report, but that it could be signed and returned in the presence of a law enforcement officer, a notary, or witness. The form does not state that a police report is required for investigation or if a police report is not included the investigation would not take place and nor was I ever told that by XXXX XXXX. He advised me that an investigation was ongoing and to give it some time. I then asked XXXX XXXX is that the only reason this case was not investigated and XXXX XXXX informed me that she could not tell me that information, but she could only tell me that it did not include a police report therefore the investigation was closed. I advised her that I have a copy of the identity theft victims complaint and affidavit form and I would be contacting XXXX Police Department to speak with the Chief about filing a report. I asked XXXX XXXX about getting information to put on the police report as I only had Aldridge Pite Haan information and I only have XXXX XXXX XXXX name, but no address or contact phone number for them. I informed her that would not be enough or valid information for the police report. I need an address as to where the credit card was sent to or the city or anything that I could use to obtain a police report. XXXX XXXX told me that she could not tell me what to put on the police report. I then asked XXXX XXXX if I should contact XXXX and she told me not to contact XXXX as they no longer was handling this case. I asked if I should contact XXXX XXXX XXXX and she told me not to contact XXXX as her company Aldridge Pite Haan is representing XXXX and I would need to go through them for information about the case. I again asked her if she would provide me with the address as to where the credit card was sent according to XXXX XXXX XXXX as I needed that information to give the police a lead as to where the fraudulent activity took place and she informed me that she could not give me that information. I then asked about contacting the lawyer XXXX, XXXX XXXX XXXX that is showing up on the court document filed with XXXX County Court and she told me not to contact them either as they were no longer handling this case. I informed her that she was making it impossible for me to obtain a police report as I have no information to give to the police other than Aldride Pite Haan address and contact number. XXXX XXXX then proceeded to tell me that she does not know why I keep saying I wasnt served when I filed a response with the court. I informed her that I received a letter in XXXX and upon receiving that letter I immediately went to the XXXX County Court to file a response to that company. XXXX XXXX went on to advise me that the purpose of her call was to make afair offer to settle the case. I asked her what did she consider a fair offer and she gave the amount of {$1400.00}. I told her again no and that I would not be settling as this is a fraud case. She then asked what I would consider a fair settlement and I told her {$100.00} if that. I explained to her that this ordeal has made it impossible for me to pay my mortgage or keep up with my bills and told her the amount that had been collected out of my paycheck up to that date. I inquired about what would happen with my funds if I could get a police report turned in and where was my money at this point. XXXX XXXX told me that she could not guarantee, but if after the police report was received and it was determined to be fraud I could possibly receive my money back even possibly if I agreed to settle and it was determined fraud I could ask for my money back. XXXX XXXX informed me that Aldridge Pite Haan had not received any money as of XX/XX/XXXX and that because of the pandemic happening it could be a while before anything was received by her office. She gave me an update on the balance due as of XX/XX/XXXX of {$1700.00}. I informed XXXX XXXX before we got off the phone that I would be reaching out to the Chief of Police at the XXXX Police Department. After our call ended I immediately called the XXXX County Superior Court and spoke with XXXX. XXXX reviewed the case as I had several questions about my response. XXXX advised me that I responded to an answer on a contract. That response was due within 30 days of receipt and I made my response on time. XXXX explained that I was not served and that the answer on a contract request did not include a court date as one had not been set at that time. XXXX advised me that after my response in XXXX the XXXX County Superior Court did not receive anything else from XXXX XXXX XXXX until XX/XX/XXXX. XXXX XXXX XXXX submitted a document showing that they submitted a Plaintiff Request for Admission of Facts to an address on XX/XX/XXXX and on XX/XX/XXXX the XXXX County Superior Court received a request from XXXX XXXX XXXX requesting a Motion of Summary Judgement. XXXX then informed me of the address listed on the paperwork XXXX XXXX XXXX showed they sent the Plaintiff Request for Admission of Facts and it was to an address that I did not live at during that time. I informed XXXX that I had already been to that apartment complex and got the management company to verify and give me a letter stating that I did not live at that address during the time XXXX XXXX XXXX mailed/submitted those documents. XXXX then went on to explain that me not living at that address and not ever receiving those documents was a problem because I had no way of knowing any court dates set or that I needed to file a response to any documents XXXX XXXX XXXX submitted. I advised her that I needed an address for XXXX, XXXX XXXX XXXX or something to show an address where the credit card was sent and if it was included in any of the paperwork at the court. XXXX advised me that there was nothing submitted by XXXX XXXX XXXX showing any information relating to XXXX or any information about the credit card, address or paperwork that I could use to file a police report, nothing other than the Motion for Summary Judgement and whatever was included within that judgement. After speaking with XXXX XXXX called the XXXX Police Department and inquired about what information I would need to file a police report regarding identity theft. I was instructed to call Aldridge Pite Haan and again ask if they would provide me with an address as to where the credit card was sent. I called Aldridge Pite Haan on XX/XX/XXXX @ XXXX XXXX and spoke with XXXX XXXX and she verified the aph file number then transferred me to XXXX XXXX to speak with XXXX XXXX as she is handling this case. I left a voice mail message requesting a callback and that I had spoken with XXXX Police Department and if she would provide me with the address where the credit card was sent. Again on XX/XX/XXXX @ XXXX XXXX I called Aldridge Pite Haan spoke with XXXX XXXX and XXXX and each time after verifying the aph file number I was transferred to ext XXXX XXXX XXXX as she is the one handling this case. I again left a voice mail message on the last transfer asking for a call back and the reason for my call. I need an address to include on the police report even if its an address for XXXX XXXX XXXX. I am still awaiting a call back from XXXX XXXX to verify if she will or will not provide me with an address.
04/13/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 398XX	Web
I XXXX XXXX, received a letter from XXXX XXXX XXXX in XXXX advising that they XXXX XXXX XXXX had purchased a debt from XXXX and that I should contact them. I immediately went to the XXXX County Court and filed a response through the Clerk of Superior Court. My response to XXXX XXXX XXXX informed them that I had never done business with XXXX and I did not have any debt with such company. After filing a response through the XXXX County Superior Court I never heard anything from XXXX XXXX XXXX again until this year XXXX. On XX/XX/XXXX, after reviewing my earnings statement from my employer I noticed a garnishment. I briefly called my employer to inquire about the garnishment because it had to be a mistake. I was informed by HR payroll employee XXXX XXXX that a garnishment notice had been received and that I should have received documents from that company. I advised her that I had not received any documents and she forwarded over all of the documents she had received via email to me. Over the next few days I went to the XXXX County Court and requested all documentation for the order from them. I also contacted the XXXX County Clerk of State Court to get copies of the garnishment notice and see how to file a response and request a hearing. I was told I would need to file a response in writing and to contact the attorney office Aldrige Pite Haan that was representing XXXX XXXX XXXX. I contacted Aldridge Pite Haan and advised them that this was a fraud case and I would like to file fraud against this company XXXX XXXX XXXX. I spoke with an employee by the name of XXXX XXXX at this time and he advised me that they would send me an identity theft victims complaint and affidavit form to complete and return to their company. On XX/XX/XXXX I filed a response in writing with the XXXX County Clerk of State Court. I filed a claim exemption from garnishment as this garnishment is causing a financial hardship for me, I wrote a letter advising Aldridge Pite Haan that this order they are enforcing was against a fraud account, I submitted the Identity theft victims complaint affidavit without a police report as the XXXX Public Safety would not allow me to file a police report. They stated this case was too old to file a police report for fraud against. I filed all of this documentation with the XXXX County Clerk of State Court as well as I sent all of this documentation certified and with signature required to Aldridge Pite Haan office address. It was received on XX/XX/XXXX at the office of Aldridge Pite Haan. I then called Aldridge Pite Haan office on XX/XX/XXXX and spoke with employee XXXX XXXX who advised me that the paperwork was received on XX/XX/XXXX, but not scanned into their system until XX/XX/XXXX and an investigation was in progress. XXXX XXXX advised me that I would need to wait until the investigation was over and I would receive correspondence from their office. XXXX XXXX would not give me a timeframe for the investigation as he said he was not sure of the time length, but to just be on the lookout for paperwork via mail to my address. XXXX XXXX also told me after I asked what would be my next step after I had filed a response to the garnishment that I would need to wait on the XXXX County Court. He verified my address and phone number again to make sure his office had the correct information in their system before we hung up the phone. I then contacted XXXX County Clerk of State Court and spoke with XXXX whom I told that Aldridge Pite Haan was giving me the run around and that I would like to know my next step since I had made a response. XXXX advised me that she would contact the Judge and give me a call back. After a few days I received a phone call from XXXX County Clerk of State Court employee XXXX whom advised me that she had spoken to the judge and he would be setting me a court date and she would contact me back after the date was set. On XX/XX/XXXX I contacted Aldridge Pite Haan and spoke with employee XXXX XXXX and he advised me that XXXX XXXX was handling my case and I would need to wait for XXXX XXXX to contact me. After not hearing from XXXX XXXX and waiting several days on XX/XX/XXXX @ XXXX XXXX I called Aldridge Pite Haan and spoke with employee XXXX XXXX who then transferred me to ext XXXX after he reviewed the aph file number I gave him. He stated he was transferring me to that ext because that employee was aware of my case and could give me more information. The ext XXXX I was transferred to belonged to employee XXXX XXXX. I left a message including my name and callback number on the voicemail of ext XXXX and requested to be contacted. On XX/XX/XXXX @ XXXX XXXX after leaving a message and not getting an answer I called Aldridge Pite Haan back and spoke with employee XXXX XXXX after I gave her the XXXX file number she then transferred me to XXXX XXXX @ XXXX XXXX. XXXX XXXX answered I verified the aph file number again and he states that he would once again transfer me to XXXX XXXX ext XXXX. I again left a voicemail @ XXXX XXXX for XXXX XXXX to give me a call back. I again included my name and phone number. At XXXX XXXX, XX/XX/XXXX I called back to Aldridge Pite Haan after not receiving a call back and spoke with XXXX XXXX. I verified the XXXX file number and advised him that I had called a few times that day and left voicemail messages for XXXX XXXX since everyone kept transferring me to him and I didnt understand why nobody could help me since they were verifying the XXXX file number. I asked to speak with XXXX XXXX and at that time XXXX XXXX told me that XXXX XXXX no longer worked for their company. I then asked about the investigation for the identity theft victims complaint and affidavit form that I had returned to his company and verified by XXXX XXXX that it was received at their office. I asked how much longer the investigation would take and was informed by XXXX XXXX that the order was validated on XX/XX/XXXX and there would be no investigation. XXXX XXXX explained to me that he would send XXXX XXXX an email since I was requesting for him to give me a callback and also that I should have received a validation packet on XX/XX/XXXX. I explained to XXXX XXXX that I never received any packet from his firm and any and all paperwork I had in my possession I had requested and gotten directly from my employer, XXXX County Court and XXXX County Court. We then hung up the phone. At XXXX XXXX, XX/XX/XXXX I called back to Aldridge Pite Haan and spoke with XXXX XXXX again at this time after verifying the aph file number XXXX XXXX told me that there was nothing more he could tell me and that I knew more about the case then he did. He then went on to tell me since I had not received a validation packet on XX/XX/XXXX he would send an email to his compliance department and also that XXXX XXXX would not be contacting me because he had nothing more to tell me about this case and to wait on my court date since I had spoken to the judge. XXXX XXXX then hung up the phone. I was advised every time I called Aldridge Pite Haan that my phone call was being recorded and any information collected during that call could be used against me. I have never received any correspondence from XXXX or had any debt from XXXX show up on my credit report. I have never received a validation packet from Aldridge Pite Haan I was never served for a court hearing as stated in the court documents. The court documents I received from XXXX County Court states I was served at an address on XX/XX/XXXX and I have proof from the apartment complex in which the service was addressed to I did not live at during that time. I am including all paperwork that I have filed with XXXX County Clerk of State Court. I am asking that this judgement be set aside ( void or nullify ). I am asking for the garnishment also to be stopped set aside ( void or nullify ) as I do not owe any monies to XXXX XXXX XXXX or Aldridge Pite Haan the company representing XXXX XXXX XXXX. I did not in the past owe any money to XXXX. I would like all monies collected during this garnishment to be returned to me in full.
12/01/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
Complaint was made on XXXX/XXXX/XXXX, # XXXX and XXXX attempt on XXXX/XXXX/XXXX, # XXXX. I noticed on XXXX/XXXX/XXXX, XXXX XXXX XXXX their attorney, Aldrige Pite Haan LLP XXXX XXXX, XXXX ) asked money {$3800.00}, default judgment which I was never aware previously. I requested three times who XXXX XXXX XXXX their attorney, Aldrige Pite Haan LLP is and asked them the proof of debt I owed to them ( Attached : United State Postal Certified Mail # XXXX, XXXX, XXXX ) They denied my request. As I understand, XXXX XXXX XXXX/ their attorney, Aldrige Pite Haan LLP is the person or company who try unauthorized use of my personal information to commit financial fraud. ( Attached Police Report : Tracking Number : XXXX ) I submit complaint to CFPB on XXXX/XXXX/XXXX, File number is XXXX. XXXX XXXX XXXX/ their attorney, Aldrige Pite Haan LLP carelessly irrelevant response on XXXX/XXXX/XXXX on CFPB site. Based on XXXX XXXX XXXX/ their attorney, Aldrige Pite Haan LLP response, 1. Request Original Assignment Contract with both parties notary presentment signatures, all pages, XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX. 2. If XXXX XXXX XXXX/ their attorney, Aldrige Pite Haan LLP and/or XXXX XXXX XXXX can not provide the assignment, it is violated the law, 15 U.S. Code 1692e False or misleadingrepresentations and 15 U.S. Code 1692d - Harassment or abuse 3. That collection of alleged debt after having been written off or charged off by XXXX XXXX XXXX, XXXX XXXX XXXX would be a case of unjust enrichment, and/or fraud on the consumer and/or fraud on the court system. 4. Attached : XXXX XXXX XXXX XXXXheir attorney, Aldrige Pite Haan LLP irrelevant response : Wrongful, illegal Validation of Debt Verification Letter received on XXXX, XXXX, XXXX : XXXX XXXX XXXX their attorney, Aldrige Pite Haan LLP put their name sticker over XXXX XXXX XXXX on old, XXXX Judgment document. 5. Request Original Client relationship Contract with valid notary presentment signature, all page, between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX : Aldrige Pite Haan LLP is pursuing collection of the judgment of behalf of its client and owner of the judgment, XXXX XXXX XXXX. 6. If Aldrige Pite Haan LLP and XXXX XXXX XXXX can not provide the valid assignment, it is violated the law, 15 U.S. Code 1692e -False or misleading representations and 15 U.S. Code 1692d - Harassment or abuse 7. The Restatement of Torts, Second, 652 ( b ) defines One who intentionally intrudes, physically or otherwise, upon the solitude or seclusion of another or his private affairs or concerns, is subject to liability to the other for invasion of his privacy, if the intrusion would be highly offensive to a reasonable person. 8. The Restatement of Torts, Second, 652 ( c ) also defines One who appropriates to his own use or benefit the name or likeness of another is subject to liability to the other for invasion of his privacy 9. Georgia further recognized the right to be free from invasions of privacy, thus XXXX XXXX XXXX their attorney, Aldrige Pite Haan LLP violated Georgia State law. XXXX. The conduct of XXXX XXXX XXXX/ their attorney, Aldrige Pite Haan LLP in engaging in the illegal collection activities resulted in multiple invasions of privacy in such a way as would be considered highly offensive to a reasonable person. 11. All acts of XXXX XXXX XXXX their attorney, Aldrige Pite Haan LLP and its agents were committed with malice, intent wantonness, and recklessness and as such I am subject to punitive damages. XXXX XXXX XXXX/ their attorney, Aldrige Pite Haan LLP may not sell, transfer, or place that debt for collection because this debt has resulted from identity theft, on based FCRA 615 ( f ) ( 1 ) 13. XXXX XXXX XXXX their attorney, Aldrige Pite Haan LLP , XXXX XXXX asked me pay {$3300.00} on XXXX/XXXX/XXXX but sent me a bill {$3900.00} on XXXX/XXXX/XXXX which is violate the law, [ 15 USC 1692f ] 808 ( 1 ), the collector ca n't add on any extra fees that alleged original credit or loan agreement does n't allow. And violate the law, [ 15 USC 1692e ] 807 ( 2 ) ( a ), the collector can not misrepresent the alleged amount you owe. 14. XXXX XXXX XXXX their attorney, Aldrige Pite Haan LLP violate the law, [ 15 USC 1692g ] 809 ( a ) fail to send a written debt validation notice within five days of the collector s initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. 15. XXXX XXXX XXXX/ their attorney, Aldrige Pite Haan LLP violate the law, [ 15 USC 1692g ] 809 ( b ) ignore my written request to verify the debt and continue to collect. A collector ca n't continue to collect on a debt after you 've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. 16. XXXX XXXX XXXX/ their attorney, Aldrige Pite Haan LLP violates the law, [ 15 USC 1692g ] 809 ( b ), continue to collect on the alleged debt before providing verification. After receiving your written dispute, the collector must stop collecting on the debt until you have received verification. 17. XXXX XXXX XXXX their attorney, Aldrige Pite Haan LLP violates the law, 1692e ( 11 ) XXXX XXXX did not disclose that the communication was from a debt collector on XXXX/XXXX/XXXX. In other words, the collector must state, " this communication is from a debt collector, '' in all communications, including in voicemail messages. The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector. 18. Moreover, XXXX XXXX XXXX their attorney, Aldrige Pite Haan LLP can not provide very fundamental basic debt verification documents within 3 business day after received this complaint, request dismiss summary judgment or Statement said XXXX XXXX XXXX their attorney, Aldrige Pite Haan LLP is not the owner of the judgment : summary judgment is not sufficient material fact Judgment but allowed favor by court without defendant aware nor dispute process : XXXX XXXX XXXX their attorney, Aldrige Pite Haan LLP has made false, knowing and intentionally deceptive and/or misleading representations to the general public and court system to obtain and/or pick and stolen summary judgment is constitute violations of the Fair Debt Collections Practices Act and the Fair Business Practices Act. 19. XXXX XXXX XXXX/ their attorney, Aldridge Pite Haan LLP responded still vague answer on XXXX/XXXX/XXXX that they will continually pursue collecting alleged debt or not. I assume XXXX XXXX XXXX and their attorney, Aldridge Pite Haan LLP are separate entity. Also, I assume I need to request written validation of alleged debt to XXXX XXXX XXXX itself. 19. This complaint and requested answer should not limited to Aldridge Pite Haan LLP, but also obviously demands an answer to XXXX XXXX, Incit is plain, common sense.
11/12/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web
I noticed on XX/XX/XXXX, Aldrige Pite Haan LLP ( XXXX, XXXX ) asked money {$3800.00}, default judgment which I was never aware previously. I requested three times who Aldrige Pite Haan LLP is and asked them the proof of debt I owed to them ( Attached : United State Postal Certified Mail # XXXX, XXXX, XXXX ) Please publish my complaint to public so that other consumers can aware and learn from my hardship experience. They denied my request. As I understand, Aldrige Pite Haan LLP is the person or company who try unauthorized use of my personal information to commit financial fraud. ( Attached Police Report : Tracking Number : XXXX ) I submit complaint to CFPB on XX/XX/XXXX, File number is XXXX. Aldrige Pite Haan LLP carelessly irrelevant response on XX/XX/XXXX on CFPB site. Based on Aldrige Pite Haan LLP response, 1. Request Original Assignment Contract with both parties notary presentment signatures, all pages, XXXX XXXX XXXX assignee of XXXX XXXX XXXX, XXXX XXXX XXXX. 2. If Aldrige Pite Haan LLP and/or XXXX XXXX XXXX can not provide the assignment, it is violated the law, 15 U.S. Code 1692e - False or misleading representations and 15 U.S. Code 1692d - Harassment or abuse 3. That collection of alleged debt after having been written off or charged off by XXXX XXXX XXXX, XXXX XXXX XXXX would be a case of unjust enrichment, and/or fraud on the consumer and/or fraud on the court system. 4. Attached : Aldrige Pite Haan LLP irrelevant response : Wrongful, illegal Validation of Debt Verification Letter received on XX/XX/XXXX : Aldrige Pite Haan LLP put their name sticker over XXXX XXXX XXXX on old, XX/XX/XXXX Judgment document. 5. Request Original Client relationship Contract with valid notary presentment signature, all page, between Aldrige Pite Haan LLP and XXXX XXXX XXXX : Aldrige Pite Haan LLP is pursuing collection of the judgment of behalf of its client and owner of the judgment, XXXX XXXX XXXX. 6. If Aldrige Pite Haan LLP and XXXX XXXX XXXX can not provide the valid assignment, it is violated the law, 15 U.S. Code 1692e - False or misleading representations and 15 U.S. Code 1692d - Harassment or abuse 7. The Restatement of Torts, Second, 652 ( b ) defines One who intentionally intrudes, physically or otherwise, upon the solitude or seclusion of another or his private affairs or concerns, is subject to liability to the other for invasion of his privacy, if the intrusion would be highly offensive to a reasonable person. 8. The Restatement of Torts, Second, 652 ( c ) also defines One who appropriates to his own use or benefit the name or likeness of another is subject to liability to the other for invasion of his privacy 9. Georgia further recognized the right to be free from invasions of privacy, thus Aldrige Pite Haan LLP violated Georgia State law. 10. The conduct of Aldrige Pite Haan LLP in engaging in the illegal collection activities resulted in multiple invasions of privacy in such a way as would be considered highly offensive to a reasonable person. 11. All acts of Aldrige Pite Haan LLP and its agents were committed with malice, intent, wantonness, and recklessness and as such I am subject to punitive damages. 12. Aldrige Pite Haan LLP may not sell, transfer, or place that debt for collection because this debt has resulted from identity theft, on based FCRA 615 ( f ) ( 1 ) 13. Aldrige Pite Haan LLP, XXXX XXXX asked me pay {$3300.00} on XX/XX/XXXX but sent me a bill {$3900.00} on XX/XX/XXXX which is violate the law, [ 15 USC 1692f ] 808 ( 1 ), the collector ca n't add on any extra fees that alleged original credit or loan agreement does n't allow. And violate the law, [ 15 USC 1692e ] 807 ( 2 ) ( a ), the collector can not misrepresent the alleged amount you owe. 14. Aldrige Pite Haan LLP violate the law, [ 15 USC 1692g ] 809 ( a ) fail to send a written debt validation notice within five days of the collectors initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. 15. Aldrige Pite Haan LLP violate the law, [ 15 USC 1692g ] 809 ( b ) ignore my written request to verify the debt and continue to collect. A collector ca n't continue to collect on a debt after you 've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. 16. Aldrige Pite Haan LLP violates the law, [ 15 USC 1692g ] 809 ( b ), continue to collect on the alleged debt before providing verification. After receiving your written dispute, the collector must stop collecting on the debt until you have received verification. 17. Aldrige Pite Haan LLP violates the law, 1692e ( 11 ) XXXX XXXX did not disclose that the communication was from a debt collector on XX/XX/XXXX. In other words, the collector must state, this communication is from a debt collector, '' in all communications, including in voicemail messages. The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector. 18. Moreover, Aldrige Pite Haan LLP can not provide very fundamental basic debt verification documents within 3 business day after received this complaint, request dismiss summary judgment or Statement said Aldrige Pite Haan LLP is not the owner of the judgment : summary judgment is not sufficient material fact Judgment but allowed favor by court without defendant aware nor dispute process : Aldrige Pite Haan LLP has made false, knowing and intentionally deceptive and/or misleading representations to the general public and court system to obtain and/or pick and stolen summary judgment is constitute violations of the Fair Debt Collections Practices Act and the Fair Business Practices Act.
01/17/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
On XX/XX/XXXX, XXXX XXXX XXXX through and by their attorney brought suit against me in the XXXX XXXX XXXX XXXX GA for the amount of {$700.00} plus cost of court. On XX/XX/XXXX, the matter was tried in the same court. After all testimony and evidence was heard the court found in favor of XXXX ( XXXX ) in the amount of {$260.00} plus cost of XXXX in the amount of {$100.00} for a total judgment of {$360.00}. In addition the court denied XXXX request for post judgment interest as they were unable to provide a valid enforceable contract or agreement. On or about XX/XX/XXXX, The attorney office of Aldridge, Pite and Haan LLP, on behalf of their client ( XXXX ) did have my employer served with a Summons of Continuing Garnishment for the judgment amount of {$360.00} plus an additional cost of {$260.00} for cost of Summons of Continuing Garnishment for a total amount to be wage garnished in the amount of {$620.00}. Attached to the Summons of Garnishment was also Affidavit of Continuing Garnishment. Both are attached. On my XX/XX/XXXX pay check {$590.00} was withheld for payment of the Garnishment. Copy attached On my XX/XX/XXXX pay check the balance of {$34.00} was withheld for the total amount of {$620.00} paid in full. Copy attached. This judgment is now paid in full. On XX/XX/XXXX, I contacted Aldridge, Pite abd Haan at the phone number listed on the court filings ( XXXX ). After providing Aldridge, Pite and Haan their aph fILE No. and verifying my identity, I explained I was calling to inquire why I had not received my paid in full letter and as to why the Satisfaction of Judgment/Lien release had not been filed or received by me or the court. It was at this point I was informed that there was still an outstanding balance on this account in the amount of {$540.00}. This amount seems to represent the full amount that they sued for and not the correct amount of the actual judgment that was determined to be owed by the Court. I was informed that until these monies were paid that this debt was not satisfied and that it still had a amount they wanted to be paid. Told me I should contact XXXX for further questions and all they can do is open a dispute. I requested that I be contacted before end of day by someone who could help resolve this issue, As of this date I have not been contacted or assisted in any manner. This company is of no help, they will not update their records to show this debt is paid in full and have not released the Lien with the Courts as required to do upon Satisfaction of this Judgment. They are attempting to collect an amount they are not entitled to and misrepresent the debt as still being due and owing in violation the Fair Debt Collection Practice Act and in violation of Georgia State Law. In addition, immediately after speaking with this company I contacted their client, XXXX XXXX.I immediately spoke with XXXX XXXX XXXX, explained the above conversation I had just finished with their agent/attorney office and asked for them to adjust their records to show that this account is paid in full. XXXX rep then again told me that this debt was not paid and that the outstanding balance needed to be paid. I again explained to them that they are trying to collect the wrong amount, that the amount they sued for was NOT the amount that was determined I owed and that this debt is paid in full. They stated they would open a dispute but until then there was nothing else they could do. I asked for someone to contact me by the end of the day in order to resolve this matter. As of this writing as usual I have had no response to this matter. In addition, I again explained to them ( XXXX ) that they continue to report this information to the Credit Reporting Agencies and that just as my previous disputes with them about this matter and in spite of knowing the information is incorrect they continue to report to all Credit Bureaus that this account is in collections, due and owing and showing a wrong amount owed. They have continued to update this information each and every month since XXXX even though they have been told on multiple occassions and through Credit Bureau disputes that the information they are reporting is wrong. Their policy stated on their website and public record is that once this account is paid in full that it will be removed/deleted from all credit reporting agencies. However they have failed to remove this inaccurate, false and misleading information and in fact despite my disputes to owing any debt and their continued reporting updated the inaccurate information 3 days after speaking with me in order to intentionally damage my credit and an attempt to extorate monies not owed to them. Copy of credit reporting attached, one will show that this item has previously been disputed by the notation and date of reporting of the information and the other will show that they updated on XX/XX/XXXX after my call of XX/XX/XXXX and yet again updated the false information. They are attempting to collect an amount they are not entitled to and misrepresent the debt as still being due and owing in violation the Fair Debt Collection Practice Act, The Fair Credit Reporting Act and in violation of Georgia State Law. PLEASE NOTE THAT AFTER MANY ATTEMPTS TO COMPRESS UNSUCCESSFULLY THAT MY FILES ARE OVER THE ALLOWED LIMIT SO I AM UNABLE TO UPLOAD, BUT CAN BE SEND ANOTHER MANNER IF NEEDED.
12/01/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30062	Web
XX/XX/XXXX - rec 'd garnishment order in the amount of {$3600.00} from Aldridge Pite Haan , LLP ( " Plaintiff '' ) and I did not dispute. XX/XX/XXXX - employer started taking the money from my paycheck. XX/XX/XXXX - last payment was taken from my check totaling the amount per the order, no problem so far. XX/XX/XXXX - Checked my credit report to see if it showed paid, I XXXX and it said it can take up to 90 days to show. I waited 4 months before checking my credit report again to see it had been marked paid in full. XX/XX/XXXX - To my surprise it is still showing I owe the full amount. XX/XX/XXXX - I first spoke with XXXX XXXX who was very snippy and rude. She said which debt are you calling about, you have a lot ( ps I only have 3 ). I was nervous and could not find the number on the order ( I gave her the court case number instead of the file number and said my bad ). I asked her if they had received any money and stated that they have not received any monies and now I owe over {$200.00} more ( it was XXXX something ) than the order lists bc of interest due to non-payment. She advised that this is still interest baring even with the garnishment. I asked how as the order does not state that. I asked if they would wave it when they saw everything was paid per the order and she very rudely said no. She said that they are allowed to charge the interest. I then said even though me and my employer did everything per the order, you are still trying to add more? I said so you except me to pay more when you and/or the court dropped the ball. She said there is nothing she can do as this is your debt. I spoke with my employer and they provided proof that last payment was made on XXXX to the court. I called the court and spoke with XXXX ( very nice ) and she stated that they had all the funds but the Plaintiff has not filed a disbursement of funds for the money. She also stated that they do not call the Plaintiff that is their responsibility. Called plaintiff again and XXXX was not as rude but snippy and said just about the same thing as XXXX ( she wanted to transfer me to XXXX since I had already spoken with her but I asked her not too ). She did say that the reason they had not sent the letter to the court is bc they had not been notified by the court the funds where there. I asked to speak with that department and she advised they do not take calls. I then asked to speak with a supervisor and she said she knows she will not answer the phone, I would have to leave a message, I said ok. Spoke with Ms XXXX Supervisor at Plaintiffs office and she in a nicer voice said 99 % exactly the same thing as the other two. The only difference was that she said nothing can be done until I paid the debt. I said I could send her the proof all monies were paid on time by my employer and she said that doesnt mean the courts have it. I then got upset, cried and said I need to get off the phone. XX/XX/XXXX - I received a doc that the a disbursement was filed and order was granted. XX/XX/XXXX - I received notice from my employee that {$50.00} had been return to them from the court. XXXX - I wanted to give the Plaintiff a few to get there stuff in order so gave them a month. When I called I spoke with XXXX, she originally said she was going to transfer me and I asked her not to ( I had a feeling I would get another VM ). I gave her my info and she stated that I still owe over {$300.00}. I explained everything to her and she said no I'm going to transfer you. Like I assumed would happen I got XXXX XXXX VM. As you can guess I am beyond upset about this!! I left a message and then tried to call back. No one ever answered the phone. I have paid all that was originally owed plus court costs and this debt should be paid in full. PLEASE HELP as I am so upset right now. I thought I was doing the right thing buy paying per the order and that is still not working. I know the amount listed in the order was my debit but come on this is craziness. I have paid this debt and would like my report to show that.
04/29/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 398XX	Web
I XXXX XXXX reached out to Aldridge Pite Haan on XX/XX/XXXX @ XXXX requesting information about a certified package I sent and has been received by their office on XX/XX/XXXX. My phone call was answered by XXXX XXXX whom after pulling up the case information advised me that he would need to transfer me to his supervisor XXXX XXXX. Before XXXX XXXX was able to transfer me I asked him what was the protocol for returning calls at his company as I have left many voice mail messages for XXXX XXXX ext XXXX on XX/XX/XXXX and have yet to receive a return phone call. XXXX XXXX advised me that he couldnt assist me nor could he tell me the timeframe before I would receive a call back from Mrs. XXXX and he would transfer me to ext XXXX as she is the only one able to assist me with this file. He would also send Mrs. XXXX an email. I was transferred and I left a voice mail message requesting a call back once again from XXXX XXXX. I also sent a complaint email to Aldridge Pite Haan online complaint. I have attached that email. I received a phone call back from XXXX XXXX @ XXXX, but that phone call ended briefly as she expressed she was having computer issues and requested that I give her time to re-boot her computer and call me back. Again I received a call from XXXX XXXX @ XXXX. Mrs. XXXX went on to tell me that the judgement would stand as they had gotten information from XXXX County Court showing I was served on XX/XX/XXXX. I responded to this correspondence in XX/XX/XXXX and have addressed this in my previous complaints. Mrs. XXXX stated the current balance on the file as {$1800.00}. I asked Mrs. XXXX about the police report and victims identity theft complaint and affidavit that were received at her office on XX/XX/XXXX. I wanted to know if an investigation would take place now that I had the report. Back on XX/XX/XXXX Mrs. XXXX explained to me that I didnt have a police report and therefore no investigation would take place, but if I was able to send in a police report an investigation would take place. I previously included that information in my last complaint. I was then informed by Mrs. XXXX that the received documents would not be investigated, but added to my file and we could settle. The case would be dismissed as long as I relinquished {$810.00} that is currently being held in the court registry. After going back and forth Mrs. XXXX advised me that she could get a dismissal letter from the firms lawyer sent to me via email within a few days. I gave my email address and I also gave Mrs. XXXX the XXXX County Hospital HR employee XXXX XXXX email to receive a copy of the dismissal as well. I informed Mrs. XXXX that I am reluctant to take the settlement as I do not owe this debt. I am so confused as I dont understand why an investigation wouldnt take place now that I have a police report? How is it that Mrs. XXXX is willing to settle for {$810.00} and dismiss the case now, but before the settlement offer was {$1400.00} ( a one-time payment ). I am requesting a full investigation into this matter and all garnished funds returned to me as I have submitted the police report along with the victims identity theft complaint and affidavit as instructed. This case is and has always been a FRAUD case and I have presented all of the documentation that I was instructed to send in. I even contacted the XXXX County Court and XXXX County Hospital to verify the amount currently being held in the court registry and at this time it is {$750.00}. The same amount showing collected on my earnings statement. I am confused as to how Mrs. XXXX came up with the amount of {$810.00}. I was advised on XX/XX/XXXX that if I could get a police report an investigation would take place and now I am being told that is not going to happen. I do not owe this money and would like to know why an investigation is not taking place? Why the full amount is not being refunded to me? All of this information can be verified as I am always instructed during our calls that they are being recorded.
02/13/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30274	Web
I filed a CFPB complaint against XXXX XXXX last year and the case number is # XXXX. XXXX responded that they were not attempting to collect an old debt from me at all, However Aldridge Pite Hann, LLP filed an court order to aggressively collect an alleged debt from me without validating the debt was mines and they are currently garnishing my wages. The alleged debt that Aldride Pite Hann, LLP is any old debt from XX/XX/2009 from XXXX XXXX which appears to be outside the statute of Limitations to even be collectable. Futhermore Aldridge Pite Haan , LLP has not proved the stature of Limitations has not expired on the old account with XXXX XXXX. according to FDPA Act, 15 USC 1692g Sec. 809 that I have a legal right under that title and section to request for VALIDATION to provide me with competent evidence that I have any legal obligation to pay you. Please Provide the Following : Provide proof that the Statute of Limitations has not expired on this account Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : _____________________________________________________________ Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased? ____________________________________________ Amount paid if debt was purchased : ___________________________________________________________ Commission for debt collector if collection efforts are successful : ____________________________________ Please attach a copy of the agreement with your client that grants ( Aldridge Pite Hann, LLP ) the authority to collect this alleged debt in my state. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Please attach copies of all statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for ( Aldridge Pite Hann, LLP ) ______________________________ ______________________________ ______________________________ Authorized Signature For Creditor ______________________________ Date You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Please be advised that I will be reporting your law office to the Georgia State Bar association
05/16/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	WA 985XX	Web	Servicemember
XX/XX/XXXX 1 ). What is the complaint about : A credit collection agency is trying to hold me accountable for a debt that never existed. 2 ). What type of problem are you having : On XX/XX/XXXX, I received a collection letter from Aldridge Pite Hann , LLP XXXX XXXX 3 ). What happened, ( background and or history ) : In XX/XX/XXXX I bought a XXXX XXXX XXXX new from a Dealership in XXXX XXXX. I put XXXX down on this and had a Payment of XXXX per month. At that point I was working for the XXXX and the XXXX XXXX XXXX XXXX, making roughly XXXX per month. On XX/XX/XXXX, I was injured on the job while responding to an alarm as a XXXX XXXX XXXX. The injury was so severe that I would require XXXX, and later would leave me NEVER again be able to perform the duties of an XXXX XXXX XXXX, nor those of a XXXX XXXX XXXX. In XXXX or XX/XX/XXXX I submitted a request and was granted XXXX per month through the Washington XXXX XXXX XXXX XXXX XXXX. This compensation lasted roughly 9 months. Then due to my second required XXXX and incomplete recovery, the XXXX compensation drops to XXXX per month. Timeline : XX/XX/XXXX purchase new Vehicle XX/XX/XXXX injured in the line of duty. XX/XX/XXXX began receiving monthly compensation XX/XX/XXXX 1st of 3 XXXX XX/XX/XXXX-XX/XX/XXXX Made regular if not on time payments to XXXX XXXX XXXX. XX/XX/XXXX 2nd required XXXX XX/XX/XXXX late total end of compensation from the XXXX XX/XX/XXXX late or early XX/XX/XXXX Contacted XXXX and VOLINTARILLY SURRENDERED Vehicle due to inability to earn and make payments. At this point I may have been behind delinquent ONE month behind in my payments. In late XX/XX/XXXX, or early XX/XX/XXXX, I contacted XXXX XXXX XXXX and began the process of surrendering the vehicle back to them. At that point I was facing a 3rd XXXX, and was not able to work, and was at the end of compensation from the XXXX XXXX XXXX XXXX. XX/XX/XXXX/XX/XX/XXXX Voluntarily surrendered the vehicle to XXXX XXXX XXXX. A flatbed truck came to where I was living and the pickup was made. I apologize for not remembering the exact date. All I thought to do was take digital pictures of the condition of the vehicle on that day. I still have the pictures, but cant figure out how to retrieve the time stamp on them. XX/XX/XXXX I began the thought process of trying to rebuild my credit so that one day I could purchase a house. During my recovery the bills piled up and some were paid by the XXXX and others were not. This and other factors such as zero income at that time led to a poor credit history. It was during this point that I learned that of the debt/collection against me. At that point it was listed as XXXX XX/XX/XXXX, began working with a VA Credit Counselor to challenge and repair items on my Credit Report. After writing to all 3 credit bureaus and challenging this item as well as two others I was told that in the case of this item from XXXX the item had been charged off I believe I spoke with XXXX. XX/XX/XXXX. Received correspondence from XXXX based collection agency stating that I owe XXXX 4 ). What company is the complaint about : Aldridge Pite Hann LLP, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 5 ). People involved Aldridge Pite Hann LLP, XXXX XXXX Summary : This collection agency is trying to collect on a debt which occurred after I returned/surrendered the vehicle. Coupled with egregious fees. Very Respectfully, XXXX XXXX
02/27/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30274	Web
On XX/XX/XXXX XXXX XXXX XXXX, XXXX responded to my previous CFPB compliant on XX/XX/XXXX case number # XXXX however they did not respond to the request under a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) In which I requested the following : Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : XXXX Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased? XXXX Amount paid if debt was purchased : ___________________________________________________________ Commission for debt collector if collection efforts are successful : ____________________________________ Please attach a copy of the agreement with your client that grants ( Aldridge Pite Hann, LLP ) the authority to collect this alleged debt in my state. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Please attach copies of all statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for ( Aldridge Pite Hann, LLP ) ______________________________ ______________________________ XXXX Authorized Signature For Creditor ______________________________ Date You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. XXXX XXXX XXXX, XXXX indicated that Cease and desist was in placed and I needed to have an attorney to speak with them about the alleged debt. A cease and desist does not prohibit me from requesting the above request, and furthermore I don't need any Attorney to request or discuss this matter. Furthermore XXXX XXXX also verified that they are not making any collection attempts against me. The debt is outside the stature of limitations to even be collected on. Please review Letter from XXXX XXXX in the Attachment section.
03/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30106	Web	Servicemember
This information is not listed on my credit report. On XXXX I recieved results from my underwriting I have a judgement or lien against me in the amount of {$8000.00} from a company called XXXX XXXX DBA XXXX XXXX/XXXX XXXX. I stated to my lender of never having this account I was then sent a screen shot showing it was a joint account with a name similar to my mother. This information did not come back on my credit report but from a local county dock result.I was not able to locate the findings myself. I further research by call XXXX XXXX whom stated no judgement is against me I would have to submit a request in writing in order to get a documented response, they then gave me XXXX number. I called XXXX XXXX the first person stated the company no longer has my information only thing was seen is they once had it then she gives me the information for Aldrige Pite Haun. I call this company at XXXX spoke with a XXXX XXXX, she could not verify my correct information but stated I owe this information due to it being in there system. I stated I wanted a dispute and further asked when would I be hearing from the company. SHe could not give me when but stated it may be today, tomorrow, or anyday. Then she further states I owe over {$8000.00} and I have to pay it. I then call back at XXXX after speaking with some resources I know to get more information which i was told the company should be able to give me. I spoke with a XXXX placed me on a brief hold then automatically transferred me without stating he was transferring me, the results was the phone hung up. I called back again at XXXX spoke with XXXX again and was transferred to XXXX XXXX speaking to her again I still recieved no answers, she tried to verify my identify again I stated to her your verifying incorrect information to update a system to try to charge me with this debt. I stated this is fraud and asked again about the process of a dispute. She then states I'm being hostile by asking the same question and says I send you an email ( Never received ) and transfer you to a manager. I was on hold for 47 mind spoke to no manager. I called from another phone while still on hold to find out the company was closed for the day. I hung up at XXXX. Never received a call back even the next day XX/XX/XXXX. On XX/XX/XXXX at XXXX I spoke with XXXX he tried verify my information which I told him is incorrect. He stated I owed {$8100.00} I stated to him this not my account and it fraud. He stated since I am disputing there is not a reason for him to be speaking with me. I further stated what was told to me on the prior day and the name. He asked would I like to be transferred I stated no. He stated I wont get a call I would receive a letter stating the result. This again is conflicting information. As I stated to him I want this resolved and removed from my name.
07/19/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	AK XXXXX	Web
XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX, XXXX, CA XXXX ) has committed fraud. The company created fake loan number XXXX and hired XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, WA XXXX, phone ( XXXX ) XXXX. Fax ( XXXX ) XXXX ] and XXXX XXXX XXXX [ XXXX. XXXX XXXX, XXXX XXXX, WA XXXX ] in attempt to collect {$15000.00}. XXXX XXXX XXXX, XXXX placed my name and my wife 's name on that fake loan. We have never signed any loan documents with XXXX XXXX XXXX, XXXX Approximately XX/XX/XXXX I received 30-day notice of demand - intent to foreclose and right to cure from XXXX XXXX demanding {$15000.00}. On XX/XX/XXXX letter from my attorney was mailed to XXXX XXXX, disputing the debt, informing XXXX XXXX that I have never applied for a loan with XXXX XXXX XXXX, XXXX and requesting to validate the debt. Approximately XX/XX/XXXX I received recently fabricated loan application from XXXX XXXX XXXX with my name on it and XXXX XXXX as a lender. The application is missing signatures. Application for HELOC with XXXX XXXX I signed. Copy of the application I received from XXXX XXXX XXXX is not my application I submitted to XXXX XXXX. On XX/XX/XXXXXX/XX/XXXX second letter from my attorney was drafted and mailed to XXXX XXXX and XXXX XXXX XXXX informing them that their collection attempt to be fraudulent and demanding second time to validate the debt XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX have failed to validate the debt. Apparently XXXX XXXX and XXXX XXXX XXXX have disengaged themselves from doing business with XXXX XXXX XXXX, XXXX due to the fraud. I have not received any more letters from either XXXX XXXX and/or XXXX XXXX XXXX, XXXX demanding money. On XX/XX/XXXX letter drafted by my attorney was mailed via Certified Mail to XXXX XXXX XXXX, XXXX informing that HELOC loan with XXXX XXXX was paid off in full on XXXX. Attorney requested to release the lien and stop all collection efforts. XXXX XXXX XXXX, XXXX is holding the Deed Of Trust XXXX XXXX has failed to release when the HELOC was paid off. XXXX XXXX XXXX, XXXX has captured the Deed Of Trust and is fraudulently demanding money. As of XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX has refused to accepted the letter from my attorney and proof of payoff from XXXX XXXX. Second notice in attempt to deliver was generated by Post Office on XXXX. XXXX XXXX XXXX, XXXX has hired Aldridge Pite , LLP ( XXXX XXXX XXXX, XXXX XXXX, California XXXX, phone XXXX ) On XXXXXX/XX/XXXXI received Debt Validation Notice letter from Aldridge Pite, LLC with amount {$40000.00}. Loan number is listed as XXXX XXXX XXXX XXXX XXXX XXXX has failed to release the deed of trust and continues its fraudulent activity attempting to collect money.
12/04/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30016	Web
After completing my due diligence, research, and development in consumer law and debt collection there is a preponderance of evidence alluding its a fact you committed several federal violations including but not limited to 15 United States Codes section 1692 ( e ) by giving false and misleading representation that I the consumer owes a debt. On XX/XX/XXXX I received a Correspondence from XX/XX/XXXXstating that I the consumer owes a debt of {$2900.00} to which I the original Creditor, consumer and attorney infact for the legal person XXXX XXXX. On XX/XX/2021 under the exclusive face of the united States Post correspondence Notice & Demand to Validate Debt Claim was signed for upon delivery at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. On XX/XX/XXXX under the exclusive face of the united States Post correspondence Demand for Qualified verification of debt was signed for upon delivery at address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. On XX/XX/XXXX under the exclusive face of the united States of the united states Post Office an Opportunity XXXX XXXX was signed for upon delivery at address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. At no point in time did I ever receive any correspondence from XXXX. On XX/XX/2021 XXXX did serve summons upon at my place of abode on a relative who accepted said documents. Am alleging the actions of the representatives including but not limited to XXXX XXXX XXXX of said Law firm did cause damage on my credit file, also did cause my entire immediate family feud as no one knew of my alleged indebtedness whereas I was treated unfairly, by abusive and deceptive conducts of all parties involved and am alleging XXXX. Notice Am alleging XXXX is a private Attorney not so authorised to enforce debt collection activity as am alleging they are without a contract on record with the United States Attorney General Office to collect debts on behalf the United states pursuant to 31 USC 3718. Pursuant to 15 United States Code 1692i ( b ) XXXX is at a legal disability as nothing in this subchapter shall be construed to authorized the bringing of a legal actions by debt collectors. Whereas there was no proof of a lien recorded with the Secretary of States Office in the name XXXX XXXX was found. Please see certified copy for proof. Am alleging plaintiff by way of XXXX XXXX XXXX whos name appear on allegedly fraudulent Instrument that looks like a summons was simulating a legal process to induce I the consumer to participate in fraud. I have also filed a complaint with the United States Attorney General on matters mentioned here.
01/02/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 301XX	Web
Complaint against - Aldridge Pite Haan representing XXXX XXXX XXXX * I received notification from XXXX XXXX, GA - on XX/XX/XXXX about a garnishment that was being enforced. I was not familiar with the debt at the time so I responded to the letter XX/XX/XXXX I received a follow up notice that indicated I had a court date in response to my letter for a court date of XX/XX/XXXX. I attended the court date and was given a document from the judge of the original civil action document XX/XX/XXXX This was indeed a debt I incurred during a low part of my past and indeed had a judgement for that I did not recall at the time. I have since found all the supporting documentation for this debt. It was indeed mine in which I was indeed responsible for. The first garnishment payment occured XX/XX/XXXX {$400.00} A total of 5 deduction in the amount of {$400.00} along with one additional {$250.00}. 65 were drafted starting XX/XX/XXXX and final draft XX/XX/XXXX. So this garnishment has been paid off as of XXXX XX/XX/XXXX. On XX/XX/XXXX a letter was drafted by Aldridge Pite Haan , LLP ( same that originated the requested garnishment ) stating they were representing XXXX XXXX and that my debt had been turned over to for collection. Indicated I have 30 days to respond etc. Providing an account # XXXX Charge of Balance {$2400.00} Amount off Debt {$760.00} APH file number XXXX Finally stating if I wish to discuss payment arrangement or resolution of the debt to call. XXXX. This letter was writtend 4 business days after final garnishment for the exact same debt the just collected final payment on through my garnishment. They are using legal letters and legal verbiage to scare someone into paying a debt that they full well know they just collect final payment on. The balance of the Civil suit from XX/XX/XXXX is in the amount of {$2400.00} The debt they are claiming is owed is also in the amount of {$2400.00} How many times do they do this to people that have no way of tracking down old documents old debt. How many times are they scaring people into paying debt they have already collected. This is wrong. They have recently caused much stress to me and my family and this 100 % is not ok that they are trying to fool me into believing I owe for a debt that I have already paid. XXXX XXXX XXXX
04/06/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 32606	Web	Servicemember
I've had 3 accounts with XXXX. Two accounts I paid off fully, and I wound up paying nearly twice as much as I originally owed because of how high the interest rates are plus exorbitant charges for late fees or missing a payment. The third account I had was closed and sent to collection in XXXX. When I got the account, I was making more income, lost that job, and it took a while to get back to where I was. In the meantime, I fell behind on the minimum payments to this third account and it was closed and sent to a third-party collection agency, which wound up filing a lawsuit against me in NY, where my parents live and where I resided the last time I had used/paid toward the account. I contacted XXXX in XX/XX/XXXX. They told me to contact the collection agency directly. I did and they said they were going to send the account back to XXXX. I contacted XXXX again after speaking with the collection agency, letting them know and asking how I can communicate with XXXX once they received the account again to resolve and settle the debt. XXXX told me to follow up with them in a couple of weeks. I did in XX/XX/XXXX, and they never responded. Then in XX/XX/XXXX, I get a couple of letters in the mail from Debt relief businesses soliciting business for a lawsuit filed against me for the XXXX account in XXXX XXXX, Florida, where I live now and the address of which I had updated when I last spoke to XXXX I never received any actual notice of the lawsuit, I have no idea the status of it, how to check on it, or how to respond to it. I filed a complaint through the CFPB website. XXXX responded, but omitted any responsibility or communication I made with them, of which I had also forwarded emails and a follow up email in XX/XX/XXXX they never responded to. They deferred responsibility to a third-party collection agency they sold the debt to after ignoring my follow ups to settle it directly with them, that agency being Aldridge Pitte . I have no idea if they filed a lawsuit against me or sold the debt to someone else. I've never received any communication from them and they shouldn't have the debt in the first place.
08/25/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AL 368XX	Web
Was initially contacted by mail from Aldridge Pite and Haan/Debt Collector by letter dated XX/XX/2021, who states their client is XXXX XXXX. I had no idea who they were. They have indicated in correspondence dated XX/XX/2021, that the account has been charged off and they are trying to collect from me. I don't have any agreement or contract with Aldridge Pite and Haan/Debt Collector ; I don't owe any alleged debt to them. They have sent letters indicating they are attempting to collect a debt and that they are an attorney at law. Pursuant to 15 USC 1692e - 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 : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Any alleged indebtedness is an obligation of the United States Pursuant to 18 USC 8 - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. I sent an Affidavit of Truth and have not received a response. There are many individual actions and they were given 21 days from date of receipt, which was XX/XX/2021, to send payment according to the attached invoice, of all the individual actions, and have not done so and was given ample time. I am seeking remedy from Aldridge Pite and Haan/Debt Collector. I demand that any information pertaining to Aldridge Pite and Haan/Debt Collector and their client be removed from all credit reporting agencies, immediately. Affidavit and Invoice included.
05/30/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 31093	Web
OnXX/XX/XXXX, I was notified of a garnishment that would soon commence by the Human Resource department. After reviewing the summons signed by judge, I was able to ascertain a case number for the judgement. The summons was submitted by Plaintiff : c/o XXXX XXXX XXXX, XXXX Aldridge Pite Haan XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX. XXXX. APH File number : XXXX. This is where it gets squirrely. Based on the case #, I was able to pick up copies from the court house., XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX , Attorney at Law - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , GA XXXX XXXX filed a suit stating an amount owed of {$1000.00} plus $ XXXX-attorney fees ; interest {$350.00} and court costs of {$100.00} totaling {$1600.00} with {$5.00} FiFa fees. Included are also 4 different bills for sale for companies that are all out of business. There is also a generic cardmember agreement for XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX filed an affidavit for breach of contract and failure to file answer with court. I have no contract. I never received copies of the summons nor judgment. XXXX XXXX XXXX sold account to Aldridge Pite Haan, which have filed to enforce judgement by way of garnishment. However, After contacting XXXX XXXX XXXX to ascertain what the debt claim is for, they advise they have no information and are working solely from the judgment. The current company Aldridge Pite Haan, also state they do not have any information regarding the debt. Aldridge Pite Haan filed for garnishment in the amount of {$2800.00}. I do not know what this debt is and unable to trace through my credit report either. Please help! I have exhausted all avenues to trace the origin to no avail, as all are out of business or claim to not have the information. I do n't understand how companies can file legal paperwork with no proof of debt. In my attempts to research, I also found documentation of shady business practices by XXXX XXXX XXXX XXXX XXXX. I believe my case falls within claims against XXXX XXXX XXXX XXXX XXXX.
01/03/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	GA 31907	Web	Servicemember
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " Aldridge Pite Haan , LLP '' hereinafter referred to as " XXXX XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " XXXX XXXX, XXXX, XXXX '' hereinafter referred to as " the XXXX '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the XXXX, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the XXXX, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. XXXX XXXX XXXX XXXX has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.
05/26/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AL 362XX	Web
Original amt due ( owed to original company ) : {$2800.00} Aldridge Pite Haan , LLP charged interest of {$290.00} Additional Cost {$210.00} ( not sure what for ) I've paid {$1800.00} so far. They are now garnishing wages starting on XX/XX/XXXX for {$1500.00} I received a " Notice of Court Action '' from APH dated XX/XX/XXXX in the small claims court of XXXX County AL. I was never summons to court at the time. I did call APH to inquire more about this and did come up with a payment plan ( not any kind of settlement, but a monthly payment of $ XXXX/month. I also NEVER went to court or was told to ). I was paying monthly, however fell onto hard times and significant other was no longer working in XX/XX/XXXX and my father had a XXXX in XX/XX/XXXX and we've had several family deaths in between. Therefore unable to pay, I did call them in XX/XX/XXXX and tried to let them know of circumstances and they were rude and threatening to garnish my wages and demanding my bank account number, which I did not provide. The lady on the phone was getting angry and demanding I give her my entire employment history and any other banking institution for which again, I did not provide as this was not needed for them to either continue with payment plan or allow an extension. She hung up on me after several attempts to get my bank account number. I received a letter form my employer on XX/XX/XXXX stating my wages will be garnished starting on XX/XX/XXXX from APH., LLP. I never received any other notice from APH, not even regarding anything remotely stating anything about wage garnishment, or working out another plan ( although I have tried calling them to ask for payment options without getting anyone to help me from their firm in return ). I have never seen these people and have never been to court or given a court date or anything beyond the first notice of court in XXXX.
09/11/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30135	Web	Servicemember
My account was bought or transferred from XXXX to XXXX XXXX XXXX XXXX in XXXX after a telephone Consented Judgement was agreed upon and in motion between myself and XXXX. On XX/XX/, I spoke to the assigned attorney XXXX XXXX at XXXX XXXX, who was almost impossible to reach. I advised him that there were added charges and fees that they included to my signed judgement with XXXX. I was not responsible for the cost of any additional fees between XXXX and XXXX. The Judgement was very clear and detailed about my arrangement. XXXX XXXX reviewed the Judgement, in which I re-sent him a copy and said that he didnt know where the added charges came from. He advised he would correct and get back to me. He never responded. I am a new business owner and attempting to get loans. As a result of this situation in which I attempted to resolve with the original attorneys office XXXX, I was in full compliance and making regular payments according to the judgment set forth. I attempted over months several times to call the new Attorneys office XXXX XXXX and their phone was disconnected. Until finally I got a live person on the phone that connected me to speak to XXXX XXXX and I followed up with an email. ( please see email and attachments ). I am a new business owner and I have been getting denied business loans because of this incorrect information is on my credit. A judgement was NEVER supposed to be on my credit reports as long as I complied with the payment arrangement. I complied with the payment arrangement with XXXX. XXXX bought the loan and dismissed arrangments of the judgement that was in place and made themselves unavailable for resolution for me to comply. A correction of the fees. There was a signed judgement order already in place. This creditor bought the debt and tried to add additional fees and charges.
07/24/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	GA 30067	Web
Re : XXXX XXXX Credit Card Account with XXXX XXXX This CC was current until a financial hardship came about in XX/XX/XXXX. Began working part-time XX/XX/XXXX and paid here and there amounts but not enough income to continue paying minimum due to keep card current. At this time the debt incurred was approximately {$1800.00} give and take a few dollars. I contacted XXXX XXXX to inform them of the hardship and that I was not able to pay. They continued to hound me but still could not pay. The account was closed but XXXX continued to add on fees after I informed them that I was trying to catch up. Now XXXX has sold the account to a collection agency named XXXX XXXX XXXX XXXX. This company legal team named Aldridge PIte Haan LLP are suing me for an amount of {$3200.00} by way of the local XXXX County, Georgia magistrate court. I have answered once as XX/XX/XXXX and spoke with a representative at XXXX XXXX to consider paying back the {$1800.00} charges but not the after fees after the account was closed and charged off. I am asking FTC to please assist me with this because I refuse to hounded by the court system for fees that I did not occur after I did my part by staying in touch with them back in XXXX about my financial situation. My history before the financial hardship shows that I was willing to pay the debt incurred. The financial hardship came due to a family emergency where I had to reduce work from full-time to part-time. I have written letters to XXXX XXXX as of last year XX/XX/XXXX, XXXX XXXX referring to the {$1800.00} debt. Also, XX/XX/XXXX, I contacted the law firm at XXXX and spoke to XXXX XXXX to inform them that I am willing to pay back the {$1800.00} only. I agreed to {$300.00} dollars a month but did not hear back about where, when, and what to send the payment.
04/15/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30097	Web
I received a notice from Aldridge Pite Haan ( APH ) in regards to a past due debt owed to XXXX XXXX on XX/XX/XXXX. To my knowledge, I have no contractual obligations or have never had a business relationship with XXXX XXXX. My wife, XXXX XXXX, called APH on XX/XX/XXXX immediately upon receipt of this letter, she was advised that I was being sued for this debt and had the opportunity to resolve it, per Mr. XXXX. Not understanding who APH and XXXX is and why they would be suing me, she asked them to provide validation of this debt. Shortly thereafter, I received the documentation showing I owe a balance to XXXX who purchased a charged off debt from XXXX XXXX on XX/XX/XXXX. While I am familiar an outstanding debt to XXXX XXXX, the documentation attached is an incomplete/invalid validation of debt. For the following reason, this account remains in dispute. When XXXX XXXX charged off this debt, they sent me a XXXX - debt cancellation form and reported to the 3 credit bureaus that this was charged off. Therefore, XXXX XXXX is no longer pursuing this item for collection. XXXX XXXX did not send any documentation indicating they acquired this debt. Furthermore, the first notification in regards to this debt being owed to XXXX was from their servicer, APH who is now threatening litigation on the past due balance. The last payment made on this account was on XX/XX/XXXX. The exhibit indicates the debt was sold on XX/XX/XXXX, which is prior to charge off. My account with XXXX was still active at the time the exhibit indicates the debt was sold to XXXX XXXX.
11/03/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
The law firm Aldridge Pite Haan , LLP has been assigned a debt for collection by XXXX XXXX which represents the merchant 's ongoing efforts to help the State of Florida to retaliate against me for calling attention to the federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, embodied by HUD through the absence of any provision for HUD rules to be adjudicated in Federal Court or for county judges to be required to recuse from any landlord-tenant disputes involving HUD rules within any municipalities wherein HUD Programs are not fully privatized, because of the automatic financial ties county judges have to any landlords participating in HUD Programs within those municipalities -- especially given that county judges are not actually qualified or even authorized to rule on Federal issues. Note in the attached Complaints that XXXX XXXX refused to even forward my XXXX XXXX dispute from last year to the merchant, subsequent to failing to uphold my dispute against the XXXX XXXX XXXX a few months prior, wherein I had detailed my efforts to address the aforementioned federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, instigated at the insistence of the authorities in the Southeastern portion of the country -- on behalf of Southern-based businesses, such as XXXX XXXX -- that Democracy must never amount to anything more than a subterfuge necessary to extend the influence of XXXX Oligarchy.
09/24/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	LA 704XX	Web
On XX/XX/2018 I contacted XXXX XXXX XXXX XXXX to ask for the deficiency letter of the sold vehicle. The manager told me they no longer are handling my debt and it has been turned over to Aldridge Pite Haan, and they will have that information. I immediately called Aldridge Pite Haan and spoke with XXXX XXXX who told me they don't have a copy of the deficiency letter. They only had the amount owed which is {$6200.00}. I asked Ms. XXXX if her company were license to collect debt in the state of Louisiana. She said she wasn't sure. I told her I needed the deficiency letter so I can see how much the vehicle sold for. She told me she doesn't have that information. I then ask for validation of debt. On XX/XX/2018 I contacted XXXX XXXX XXXX XXXX again to ask for a deficiency letter, Mr. XXXX said he would have to ask his manager if he could send me a copy, and his manager agreed. I received a deficiency letter, with payment listing from XXXX XXXX XXXX XXXX, and a letter from Aldridge Pite Haan with a copy of the sale contract. After reviewing all documents there are different amounts claiming I owe. On XX/XX/2018 I contacted the Secretary of State for Louisiana to find out if Aldridge Pite Haan are licensed to collect debt in Louisiana. As of XX/XX/2018 there are no license on file for them. XXXX XXXX XXXX XXXX had given my information to a debt collection company that is not license in Louisiana. I am in process of rebuilding my credit and this is affected my credit the most.
11/27/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30058	Web
In XXXX, I cosigned for a friend, XXXX XXXX, on his automobile which was a XXXX XXXX XXXX. The car dealership was called XXXX XXXX XXXX and it went out of business some time later. At the time, the car was worth {$3800.00}, and it was a lemon. XXXX was an abusive man and went to jail some time in the late XXXX and stayed in XXXX for 10 years. I was not working at this time because I had a young daughter with XXXX. She was born with XXXX XXXX. In XXXX, I began working at XXXX XXXX and as soon as I started working, an attorney contacted me requesting payment for the car. I have been paying {$120.00} a month for the last 12 years without missing a payment. And this debt has been sold from law office to office. Currently, it is XXXX XXXX XXXX that is contacting me for money. This last month, my granddaughter ( who is currently in a XXXX hospital ) stole money out of my account. I tried calling XXXX XXXX XXXX two weeks ago to inform them that I would not be able to pay using my bank account, but I still paid today ( XX/XX/XXXX ) using a credit card at XXXX XXXX. Even though I still made my payment, they are contacting me and telling me that my account is under review and that are going to garnish my check. I am tired of being taken. I have payed over {$13000.00} and they are telling me that there is still {$12000.00} left to pay. I don't know what to do at this point, and any help would be greatly appreciated.
01/21/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30088	Web
In XX/XX/XXXXI failed to pay a debt with XXXX XXXX XXXX, XXXX. ; in XX/XX/XXXX it was shown as a charge off on my credit report for the amount of {$590.00}. On XX/XX/XXXX, I received a Notice of Summons from XXXX XXXX, XXXX successor in interest to XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. Unaware of my rights, I answered the judgement within the required 30 days. On XX/XX/XXXX I received a payment plan from XXXX XXXX, XXXX, but the logo at the top of the " Proposed Judgement '', was from XXXX XXXX XXXX, XXXX Attorneys. I signed and returned the judgement on XX/XX/XXXX and the agreement for {$70.00} a month payment plan was made. I paid {$70.00} on XX/XX/XXXX and another {$70.00} on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Aldridge Pite Haan , LLP, informing me that XXXX XXXX XXXX , XXXX, who handles accounts for XXXX XXXX, XXXX is closing as of XX/XX/XXXX and my account is being transferred to their law firm for future handling and I should send future payments to the address given. On XX/XX/XXXX, I received a letter from Aldridge Pite Haan , LLP stating that I owe {$560.00}. I sent a certified letter to them explaining that I had already started a payment plan and was paying down the account ; therefore I should not owe the stated amount. They continue to harass me for the above amount although I had already had already made payments toward the original amount owed. Thank you
04/19/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AL 360XX	Web
I received an initial demand letter from the XXXX based law firm, Aldridge Pite Haan on XX/XX/XXXX. Within the demand letter it is stated, " At this time no attorney at this firm has personally reviewed the circumstances of your account. '' and was signed by the " Collections Department '' for this firm. This morning on XX/XX/XXXX, I was served with a Summons to file an answer in regards to this debt. I believe this to be completely misleading as the demand letter states that no attorney had reviewed the circumstances of the account yet suit was filed. I have no indication that my account did in fact have meaningful attorney involvement after the initial demand letter from their " Collections Department '' was sent. It is my understanding a collections department or collections manager for a firm can not file suit on you, only an Attorney can. I received no communication from an attorney after review of my account, if in fact a review was conducted at all before suit was filed. Given the recent investigation from the CFPB in regards to the Ohio law firm XXXX, XXXX XXXX XXXX where there are claims of falsely represented in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. I am only lead to believe that this falls in the category of not just letters being mail but lawsuits being filed.
12/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30144	Web
I received information through a title search and from the closing attorney that I had a judgement and a personal property lien against me on XX/XX/XXXX in the amount of XXXX. The judgement and lien were placed by a debt collection company, ALDRIDGE PITE HAAN. After numerous attempts to reach them by phone and ask questions via their website, they refused to identify the original creditor on this debt, the amount owed as of the last transaction or provide any proof that could substantiate the debt. The address they had on the judgement was an address that I have not lived at in over 13 years. The original judgement was obtained in XXXX County State Court in XXXX and renewed with a property lien in XXXX when I inherited a 10 % share in my grandmother 's property. In order to close on the sale of this property my aunt had to pay them off. They refused to take her call and also refused to take her payment over the phone as they say they will on their website. We ended up paying electronically by check and have not received either a reply confirming the debt is settled and the lien is being lifted. This company has essentially held 6 heirs hostage to rightfully claiming the proceeds from their mother 's estate because APH Law LLP didn't care enough about this tiny debt to respond in a timely and conscientious manner.
12/21/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30144	Web
This is regarding a Debt for a credit card. I was not aware of a lien placed over my property, when I tried to refinance to be able to get out of some debts, then is when I found out that I have a lien ; I could not refinance until the lien was off the property, so I contact the debt collector agency, Aldridge Pite Hann, LLP, on XX/XX/XXXX, I spoke with XXXX, I tried XXXX to get information on the debt ; she told me that the original debt was for {$13000.00} for a XXXXXXXX XXXX XXXX handled by XXXX XXXXXXXX XXXX ; and that debt now raised to {$22000.00} due to an interest placed on it. I asked her to please reduce my debt to the original to be able to refinance and thus pay other debts. but she told me that it was not allowed it. ; I request to speak with XXXX XXXX, she told me that she will transfer the call but he/she may not be available ; so I left a message with my petition, file # and all information needed, but I never received a call back ; so I had to pay them the {$22000.00}, the check was sent to then by the refinance mortgage company. I am complaining because I believe that, first the interest was too high ; if I would not refinance, that debt would keep increasing and at the end they would be taking all the equity on my house ; I think they are not fair at all to try to help the consumers.
02/06/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web
I received a letter from ALDRIDGE PITE HAAN , LLP on XX/XX/XXXX, stating that they are a law firm that represents XXXX XXXX XXXX and they were contacting me to collect on a debt that I owed for XXXX. Their letter also stated that, " No attorney at this firm has personally reviewed the circumstances of your account '', which I find to be very odd and suspicious. I responded back to ALDRIDGE PITE HAAN , LLP in a letter on XX/XX/XXXX, stating that I have no knowledge of this debt or have any responsibility to this debt, in others words, it's not my debt. I stated that this maybe a result of identity theft. I instructed the firm to stop all communications with me and if they stop the collection of this debt, and forward or return it to another company, please indicate to them that it has been disputed. If they have report it to a credit bureau ( or have already done so ), also report that the debt has be disputed. ALDRIDGE PITE HAAN , LLP has totally ignored my instructions and still is, contacting me. They are still trying to force me to pay a debt that is not mine. They mailed me a printed out file of papers of the debt that they are trying to collect on. It's not even a contract and it doesn't even have a signature on the paperwork. It's not my debt.
09/02/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 34120	Web
My mother answered the door about a week ago, and the man identified himself as a bounty hunter. He then asked my mom if I reside at the residence, and she replied yes, and he handed her court papers. She asked him again what the badge around his neck was and he said he was a bounty hunter. My mother is XXXX XXXX XXXX and this was extremely scary for her. The company on the documents that is suing me is Albridge Pite and Haan. I called their phone number listed and I told them about the bounty Hunter that showed up at my mothers house and she called me a liar. I went onto further. Ask what this was about because it looks like some kind of online loan. All the represented kept saying was do you want to pay the deck today. My car was broken into over two years ago. I have police reports, identity theft, reports because my identity has been used elsewhere as well. This company used an unethical practice by sending a bounty, hunter bounty Hunter to my mothers, personal residence. I am attaching a front page of the summons because it has the bounty hunters hand writing on it with his badge number, and time and date. I can also get a written witness statement from my mother.
08/11/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30228	Web
XXXX XXXX [ Aldridge Pite Haan, LLC ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga XXXX ] [ XX/XX/17 ] To [ Aldridge Pite Haan ] : Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt, or any other debts that you allege I owe. Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office. Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. Regards, XXXX XXXX
12/08/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 31525	Web
Aldridge, Pite, Haan, L.L.P. Purchased my debt from XXXX XXXX on an account originally held by XXXX XXXX. I started communications with them in XX/XX/XXXX. I arranged with one of their representatives, XXXX XXXX, on XX/XX/XXXX and arranged to make a down payment of {$580.00} on XX/XX/XXXX, then monthly payments of {$220.00} on the XXXX of each month until the debt is satisfied. AHP, LLP has deducted the down payment and each monthly payment since that arrangement was made. I have not defaulted and am current on our arranged payment schedule. On XX/XX/XXXX I was served a civil action for the full amount originally due. The lawsuit was filed on XX/XX/XXXX, after I had arranged a payment plan. I have called AHP three times since I was served. I have left messages regarding the lawsuit. I was told by AHP, representative, XXXX XXXX, that XXXX XXXX has to contact me before they can do anything. That was on XX/XX/XXXX. It is now XX/XX/XXXX. I feel that AHP is harassing me and violating the Fair Debt Collection Act by arranging a settlement then suing me for the full amount.
04/21/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30114	Web
Received letter from XXXX XXXX XXXX forwarded to my new address. I do not live in XXXX XXXX stating my wages would be garnished for a total garnishment claim of {$3100.00}. Letter stated I had 45 days for an answer. I paid Aldridge Pite Haan a few days later for the exact amount on the letter. After paying the next day I called Aldridge Pite Haan because I did not get a receipt and I wanted them to send a letter of stop garnishment. Spoke to a representative that told me I had to pay more money because interest is daily and they would not stop the garnishment. Despite the total garnishment claim being {$3100.00} which I paid. They also told me they would not stop the garnishment until 45 days later stating there were rules. That week my wages began to be garnished and continue to be. I still have not received receipts a letter of stop of garnishment nothing in reference to this account other than what they sent to the courts despite the updated address I provided them I have also sent Aldridge Pite Haan e-mail communication two weeks ago which still remains unanswered.
08/01/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 302XX	Web
I am trying to resolve my debts that were reported on my credit report. I have settled all but one. On my credit report it shows that XXXX XXXX XXXX holds it for {$920.00}. The phone number attached is XXXX. When I called XXXX XXXX XXXX on XX/XX/22 to settle the account by paying the amount in full, I was given a different number of XXXX. That phone number is for XXXX XXXX. When I spoke to someone at XXXX XXXX on XX/XX/22 about resolving the debt I was told that it was for {$1100.00}. That is a difference of {$200.00} from what is showing on my credit report. The people on the phone were rude and one even hung up on me. I even have recordings of the phone calls. The last person that I spoke to told me that they received the collections from XXXX and that the amount was {$860.00}, so that is a difference of {$260.00}. I have recording of all of the phone calls resolving the debts in full, and I have screen shots of the credit report showing the amount that I was trying to pay in full. With the amounts being different in multiple ways I would assume this is fraud
04/29/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30341	Web
This is not my debt and has never been. XXXX XXXX company attempt to collect money which is not mine on XX/XX/XXXX. I request verification of this alleged debt. They have not supplied me with any physical evidence of this alleged debt. They only sent me previous capital one bank partial statement on XX/XX/XXXX. This is unfair business practices and deceptive. I am being bullied into a paying for something that isn't mine. Does XXXX XXXX company make up fake accounts and send me and report credit agents them in hopes that unsuspecting consumers pay them? How many other people has this unscrupulous company done this to? Are they even licensed and bonded? I am also going to file a complaint with the GA Attorney General 's office. I have already contacted them and confirmed I do have grounds for a complaint. This shady company needs to be investigated. I demand that this is removed from my credit reports once and for all. Also request close this alleged debt from their ledger and send me the proof immediately. ( ID theft report was sent to credit reporting agents )
02/12/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30101	Web
I called to clear a judgement in Magistrate court. They asked for the file # and I told them there were two file # s, and I gave them both #. They claimed not to have found those numbers and asked that I give them my SS #, which I did. I told them that it was for XXXX XXXX and it was a filed judgement against me in XXXX County Magistrate court. I have the names of the people I spoke to at Aldridge, Pite, Haan on XX/XX/XXXX. I made a settlement of {$1700.00} on a {$3000.00} ( appx ) debt and the check cleared the bank on XX/XX/31. The very next week when I tried to get a letter stating that the judgement was final, they told me it was applied to another account. I asked for proof that was my acct they applied it to and they said they would ask the creditor to send me proof and I would probably get it within ten days. I can not get this cleared off my records, and I would like to know what legal ramifications there are for this type of scamming. Thanks
02/04/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	KY XXXXX	Web
This information is in addition to Complaint Number XXXX. I just learned that XXXX XXXX XXXX either sold or moved my debt collection to Aldridge Pite Haan. Per their letter dated XX/XX/XXXX, my outstanding balance show {$30000.00}. I have already paid {$11000.00} from Wage Garnishment and another {$27000.00} directly to XXXX in XXXX during my Bankruptcy. The very first notice I received for the Judgment showed a balance due of {$32000.00}. I have tried to call and have sent several communication to Aldridge Pite Haan with no response. When I did actual spoke with someone they basically stated you owe this and we will take every means to receive payment. My question where has all the money I have already paid went too. They are still collecting {$200.00} a check through Wage Garnishment. Contact Information for Aldridge Pite Haan is XXXX or website www.aph-law.com Any assistance would be greatly appreciate. Thank you, XXXX XXXX
03/19/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30080	Web
Received a letter from the magistrate court of XXXX County stating that XXXX XXXX XXXX XXXX XXXX was suing me as the assignee of XXXX. Form states that it is a " PLAINTIFFS APPLICATION FOR DISBURSEMENT OF FUNDS ''. The following wording is noted : " NOW COMES the Plaintiff in the above styled case and files this Application for payment of all funds due Plaintiff paid by Garnishee after such time as the Clerk determines that no claim has been filed and no Traverse has been filed with twenty ( 20 ) days after Garnishee 's Answer was filed. Moreover, Plaintiff states Garnishee and Defendant will be properly served with the Garnishment pursuant O.C.G.A XXXX and that proof of such service will be filed with the Court prior to any disbursement of funds. '' This letter is signed by XXXX XXXX XXXX XXXX XXXX, Georgia Bar # : XXXX The law firm that sent the letter is Aldridge Pite Haan , LLP The APH File number is XXXX
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30338	Web
XXXX XXXX XXXX, a debt collection agency employed by XXXX XXXX reported a debt of {$640.00}, which was already incorrect and reflected fees and charges not associated with the original account filed a court lien against me in XXXX county GA where I reside. Altridge Hann the attorney 's office used to file the XXXX sent over a settlement agreement where the full debt would be settled for XXXX payments of {$280.00} ( XXXX total ) to settle the debt. Both payments were received on XX/XX/2022. I was told 10 days from the last payment received that I would be sent the appropriate documentation and that the court XXXX would be withdrawn. Both XXXX XXXX and Altridge Hann have failed to send appropriate documentation and continue to hold remaining debt despite our settlement agreement and refuse to update the credit beaurus with correct information.
07/07/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WA 984XX	Web
On XX/XX/XXXX, Mr. XXXX XXXX, XXXX No. XXXX and Alridge Pite Haan, PLLP filed a lawsuit against me for the old debt that has already been closed or charged off in XX/XX/XXXX regarding the XXXX XXXX Credit Card with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. This is illegal for Mr. XXXX to pursue for this old debt that already discharged off or closed account. I received the summons on XX/XX/XXXX for this lawsuit. It is also illegal for Mr. XXXX and the District Court of XXXX County to serve the Summons openly and Mr. XXXX ( XXXX male in his XXXX ) has no rights to see my private information regarding this lawsuit. The summons supposed to serve to me with the seal envelope. This is illegal conduct on their part. Therefore, I am asking the CFPB to investigate this discrimination. I am being protected by the Consumer Protection Act.
09/28/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 308XX	Web
Alridge Pite Haan has garnished my wages. I am a XXXX parent. This law firm went ahead and garnished my wages for a debt without allowing me to settle thru a payment arrangement. As a result I am not able to pay my rent. I am a state employee and a XXXX mother on very low income. I have made repeated attempts to both call their office and filled out a online payment settlement letter request form more than once. All attempts have been ignored. I emailed them this morning and they stated that someone would contact me. I then attempted to call their office six or seven times and left messages. I still haven't received any responses. This garnishment has placed me in a state of homelessness because I was unable to make my rental obligation.
07/28/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30341	Web
While attending XXXX XXXX University in XXXX, GA as a XXXX in 1998, I applied for and received a XXXX XXXX credit card. After paying for some years, I was unable to keep up with my payments and my account went into default. XXXX XXXX referred my account to a collection company. Now, after more than 21 years, Aldrich Pite Haan LLP is trying to garnish my wages. They are requesting that I pay {$600.00} a month. I am unable to pay that as after paying my living expenses, I must help my elderly father ( XXXX years old ) who has XXXX XXXX. I have been told that the statues of limitations have run out. I would appreciate any help you can provide me with. Please advise me of my options. Thanking you in advance.
04/27/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30144	Web
Called company Aldridge Pite Haan LLP on XX/XX/2021 @ XXXX Eastern Daylight Time to make payment or further arrangement and still received no response via letter as requested after discussion promise of response being sent written in the mail. Company needs to follow up on this as I called today ( XX/XX/2021 @ XXXX EDT and the representative continued to press me to disclose the phone number after XXXX XXXX XXXX XXXX agreed to send requests and correspondences via mail. Representative continually put me on hold and then eventually hung up after 15 minutes of being on hold. Company supervision needs to reach out to me as they have promised.
04/26/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30265	Web	Older American
ALDRIDGE PITE AND HAAN HAS BEEN DEDUCTING XXXX FROM MY ACCOUNT, CAUSING MY ACCOUNT TO BE OVERDRAWN. I'VE CALLED THIS LAW FIRM TWICE AND TOLD THEM I'D PAY XXXX PER MONTH, YET THEY DIDN'T CANCEL THE AUTODRAFT AND STILL HAVE ACCESS TO MY CHECKING ACCOUNT. { THEIR PHONE CALLS ARE RECORDED, SO THEY HAVE THE TAPES ON FILE. } I HAVE TO PAY OVERDRAFT FEES AND THEY CALL MY HOME DAILY. I SEND THE XXXX PAYMENT VIA CERTIFICATE OF MAILING, WHICH IS LEGAL DOCUMENT, AND STILL THEY ACCESS MY ACCOUNT, TRYING TO DEDUCT A XXXX PAYMENT THAT I CANCELED IN 2017. ALDRIDGE AND PITE HAS BEEN DOING THIS MONTHLY. THEY ARE ILLEGALLY ACCESSING MY CHECKING ACCOUNT.
04/26/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30265	Web	Older American
ALDRIDGE PITE AND HAAN HAS BEEN DEDUCTING XXXX FROM MY ACCOUNT, CAUSING MY ACCOUNT TO BE OVERDRAWN. I'VE CALLED THIS LAW FIRM TWICE AND TOLD THEM I'D PAY XXXX PER MONTH, YET THEY DIDN'T CANCEL THE AUTODRAFT AND STILL HAVE ACCESS TO MY CHECKING ACCOUNT. { THEIR PHONE CALLS ARE RECORDED, SO THEY HAVE THE TAPES ON FILE. } I HAVE TO PAY OVERDRAFT FEES AND THEY CALL MY HOME DAILY. I SEND THE XXXX PAYMENT VIA CERTIFICATE OF MAILING, WHICH IS LEGAL DOCUMENT, AND STILL THEY ACCESS MY ACCOUNT, TRYING TO DEDUCT A XXXX PAYMENT THAT I CANCELED IN 2017. ALDRIDGE AND PITE HAS BEEN DOING THIS MONTHLY. THEY ARE ILLEGALLY ACCESSING MY CHECKING ACCOUNT.
06/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30040	Web
Account has been paid in full. XXXX XXXX forwarded my file to a law firm- Aldridge , Pite & Haan . I made the following payments : XX/XX/XXXX- {$640.00} XX/XX/XXXX- {$230.00} XX/XX/XXXX- {$68.00} These incompetent, morally corrupt lazy people have not reported this accurately to the credit bureaus leaving my credit score to be adversly affected while i am trying to buy a house. Ive called numerous times and spoke to several people and they refuse to remove this from my credit report. I have disputed this information 4 times and each time they state that the information is correct on my credit report and it clearly is not!!!!
11/22/2019	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30135	Web	Servicemember
I attempted to call the agency on several ocassions to setup voluntary pays however the rep refused to assist me and stated that they would just sue me. I asked for proof of the debt which I never received and several requests were made to secure the proof of the debt. The rep was unprofessional and he laughed when I asked about resolving the account. Ive made several attempts and on most days the rep never is available. The rep gave false information to me about my ability to setup arrangements on the account and then my wages were garnished without any notice. XXXX XXXX was unprofessional and rude.
04/26/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30238	Web
I received a notice from Aldridge Pitt Hann LLP in XXXX stating I owe {$3100.00} on a XXXX XXXX XXXX card. I made a payment in XXXX, XXXX, and XXXX. On XXXX I received a letter dated XX/XX/XXXX telling me I had 30 days to respond. On XX/XX/XXXX, ( not even 30 days later ) the firm did an initial filing for a wage garnishment for the full {$3100.00}. I only owe {$2800.00} at this point. I filed this complaint because I don't know if the company can take me to court if I am already making payments to them. A former employee of theirs left a XXXX review stating the firm has unethical practices.
05/08/2019	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	GA 30345	Web
This company sent the service notice to my parent 's house where I do not live during the time when they were on vacations. They created a fake person, name and description ( this is also racism because the person does not have any of the physical features of anybody in my family but they stereotyped the person ) They never left a notice that I was being sued in a county where I do not live, I have the proof that I do not have anyone with the name XXXX XXXX living at that address and I never received any documents form them because I do not live in XXXX county.
12/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53220	Web
In XX/XX/2017, agreed to terms with Aldrige Pite Haan regarding my medical debt. Provided payment information and agreed to payment terms for {$830.00}. After the last payment, I called to confirm that everything was paid, they told me that I was in good standings. 8 months later they file an Affidavit of Noncompliance for the Money Judgement. No communication from them from the last payment to 8 months later. No phone calls, no letters that a payment did not go through, 3 months after the judgement, I receive a letter from them with the affidavit.
09/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 316XX	Web	Servicemember
I had an auto loan through XXXX XXXX which became delinquent. I paid off the debt after repossession through their lawyer Aldridge Pite Haan. They reported to XXXX and XXXX that the balance was XXXX. However for some reason they reported to XXXX that I have a remaining balance in the thousands so I disputed it. They " verify '' that the amount is correct and now they sent that same thing to all 3 bureaus and dropped my credit which is now directly effecting my finances. I have paperwork from them which states the debt was settled in FULL.
10/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30134	Web	Servicemember
I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
02/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30144	Web
Paid this account and was told I would receive a letter showing that it is paid and cleared and have been getting the run around on receiving the letter. This account is paid and I need letter verifying this account is paid and settled.Paid this account on XX/XX/XXXX, was told I would have a letter XX/XX/XXXX, now being told it will be XX/XX/XXXX and can only receive it in the mail, not by email. You have been paid, send the letter that it was paid.
06/18/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30341	Web
Complaint was sent to Aldridge Pite Haan. Complaint # was XXXX. Based on XXXX XXXX XXXX 's letter on XX/XX/2018, XXXX XXXX XXXX has completed its investigation into my fraud claim and has notified to Aldridge Pite Haan LLP that it has determined the fraud claim to be invalid. I am requesting notification letter of the investigation : 1. fraud claim validity 2. relationship proof between XXXX XXXX XXXX and Aldridge Pite Haan LLP .
06/15/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30542	Web
I have delt with Aldridge piite and Haan law firm before. They took me to court and filed a law suit on me without my knowledge of the debt. I am on XXXX and XXXX and have filed several complaints against this company before on this issue they continue to file law suits without knowledge or without even making contact attempts first. They automatically get the suit in their favor and hardly give time to respond to said law suit.
10/31/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30144	Web
Attorney XXXX XXXX XXXX, XXXX ( Georgia Bar # XXXX ) promised that after signing a consent judgement dated XXXX that I would be able to negotiate a new settlement at any time regarding the principal amount of {$2100.00} and I called today ( XX/XX/2022 @ XXXX XXXX ) to see if I could discuss it. The lady on the phone said that because the court approved the judgement that the amount owed is final, however that is not the case.
04/23/2019	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	GA 30345	Web
XXXX XXXX hired Aldrige Pite Haan LLP to collect my deb, Aldrige hired a person who under sworn he delivered the court order to my address and give it to my relative. That person does not exist, then Ms. XXXX XXXX XXXX the attorney on this case filed to have default judgment against me. They fabricated the notice, I never received a notice to go on court neither my family did.
03/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web
Request three times by US Certified Mail to get proof of the alleged debt validation on XXXX and XXXX. However unfortunately did not get any of them. ID Theft to gain profit is serious white crime in US include my situation. Want to be stop immediately reporting credit report agents and stop collecting activity without bringing up proper verification.
02/21/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 31907	Web
On the XX/XX/XXXX stating that I owed a debt. I followed up by certified mail signed by XXXX XXXX asking them to validate this debt. I then received another letter from them without any validation. I received many threatening phone calls. Then on XX/XX/2020 I receive documentation that I was being taken to court.
09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA XXXXX	Web
to whom it may concern this is to inform you that the lawyers have given this allege account to is not responding to my letters XXXX XXXX XXXXXXXX XXXX and this is to inform you that if don't get my desired remedy in the next ten ( 10 ) days i will commence arbitration/ federal complaint proceedings
06/07/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 35216	Web
This account is not my account or a debt that I owe. It doesnt show up with other credit bureaus only XXXX. Ive settled one debt with them already which they threatened to sue me and tried to serve me papers if I didnt set up a payment plan with them. They have never mentioned this other account.
11/14/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	KY 401XX	Web
ALDRIDGE P. HAAN, LLP SENT COURT GARNISHMENT ORDER TO EMPLOYER WITHOUT ANY DUE PROCESS OF LAW, ACCOUNT OUTDATED PASS 15YRS OLD NOT COLLECTIBLE EXPIRES STATUE OF LIMITATION OCGA 90-3-23 AND 9-3-25, I DO LIVE IN THE STATE OF GEORGIA LAW SUE FILED, COMPANY VIOLATES FDCPA AND FCBA
09/13/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30701	Web
Over a year ago I paid a settlement amount to this company. They were supposed to send me notification that the account had been settled after making a large payment on this account. The payment was made but the company failed to make any changes to my credit report.
04/06/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	GA 30143	Web
I was garnished through my employer in XX/XX/2007 and paid the debt in full. They are now coming back after 10 years saying I owe them more money and adding interest for the 10 years.
10/11/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33015	Web
I received at letter from A.P.H LLP 0n XX/XX/2017 informing me that they represent XXXX XXXX XXXX for a debt 0f $ XXXX.I never have acct, loan or credit car from XXXX XXXX XXXX
02/01/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30062	Web
Truck was a XXXX XXXX XXXX was acquired in XXXX and returned on XXXX Company is violating the statute of limitations They already have a garnishment against me
06/07/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 316XX	Web	Older American
settled and continued payments with the court but this company keeps sending me letters about default, harrassment and rude when I call them.
06/18/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30341	Web
I request twice debt validation to Aldridge Pite Haan LLP but I did not proper answer but they want to be get paid {$1100.00}. ( Attachment )
01/30/2024	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30115	Web

01/22/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33023	Web

01/22/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33021	Web

01/13/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web	Older American

12/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web	Older American

12/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web	Older American

12/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web	Older American

12/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web	Older American

10/05/2023	Yes	Debt or credit management Debt settlement	Confusing or missing disclosures	GA 31730	Web

10/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web	Older American

09/27/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30339	Web

09/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31721	Web

07/14/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 21043	Web

04/09/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30127	Web

02/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30047	Web

01/13/2023	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	GA 30047	Web

11/28/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 31313	Phone	Servicemember

10/15/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	MS 39272	Web

09/13/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	GA 30134	Web

04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30144	Web

08/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

07/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web

07/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

07/08/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 31816	Web

04/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30097	Web

04/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30004	Web

04/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web

03/31/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

12/29/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30277	Web

12/09/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 33319	Phone	Older American

01/16/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30518	Postal mail

11/18/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30328	Web

09/04/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30107	Web

05/02/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OR 97404	Web

02/26/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31820	Referral

01/17/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AL 35757	Web

06/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30032	Postal mail

06/06/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32060	Postal mail

05/11/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30312	Phone

05/07/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30052	Web

04/02/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30291	Web

04/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30044	Web

02/22/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

12/06/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30677	Phone

10/16/2017	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	FL 33027	Web	Servicemember

09/27/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

08/03/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30014	Phone

07/06/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 305XX	Web

05/23/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AL 35802	Web	Servicemember

04/10/2017	Yes	Credit reporting	Incorrect information on credit report Account status	GA 30308	Referral