| 02/08/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I AM PUTTING THE CFPB AT NOTICE THAT I HAVE NEVER SIGNED AN AGREEMENT OR CONTRACT WITH THE XXXX XXXX XXXX XXXX XXXX OR THE FIRM THAT IS ACTING ON BEHALF OF SAID COMPANY WHICH IS A THIRD-PARTY DEBT COLLECTOR. THIS IS A DUPLICATE ACCOUNT AND THIS FIRM IS ATTEMPTING TO COLLECT A DEBT THIS IS NOT OWED. THEY ARE ATTEMPTING TO COLLECT {$1700.00} THROUGH LITIGATION. THE SYMBOL $ IS NOT DEFINED BY ANY LEGISLATION THEREFORE I CAN NOT UNDERSTAND WHAT SPECIES OF PAYMENT ARE THEY REQUIRING FOR PAYMENT IF I WAS FOUND LIABLE FOR THIS ALLEGED DEBT AND IS VIOLATION OF 15 1692e ( 2 ). I HAVE SENT A REGISTERED MAIL LETTER AND THE RECEIVED DATE XX/XX/2022 # XXXX TO ASK FOR PROOF OF CLAIM TO VERIFY THE DEBT AND A POINT BY POINT REBUTTAL TO MY SIGNED AFFIDAVIT WHICH THEY HAVE FAILED TO RESPOND TO WITHIN 14 DAYS.
According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account.
Your failure to verify* this account is a trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.
# # Definitions and Points of Authority # # ( pursuant to Federal and/or State rules of evidence, rules of procedure and FDCPA/15 USC 1692 ) Federal Rules of Evidence 1001 ( a ) A writing consists of letters, words, numbers, or their equivalent set down in any form.
( b ) A recording consists of letters, words, numbers, or their equivalent recorded in any manner.
( d ) An original of a writing or recording means the writing or recording itself or any counterpart intended to have the same effect by the person who executed or issued it. For electronically stored information, original means any printout or other output readable by sight if it accurately reflects the information. An original of a photograph includes the negative or a print from it.
Rule 1002. Requirement of the Original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise.
18 U.S. Code 514 - # Fictitiousobligations ( a ) Whoever, with the intent to defraud ( 1 ) draws, prints, processes, produces, publishes, or otherwise makes, or attempts or causes the same, within the United States ; 28 U.S. Code 1746 - Unsworn declarations under penalty of perjury Wherever, under any law of the United States or under any rule, regulation, order, or requirement made pursuant to law, any matter is required or permitted to be supported, evidenced, established, or proved by the sworn declaration, # verification, certificate, statement, oath, or affidavit, in writing of the person making the same ( other than a deposition, or an oath of office, or an oath required to be taken before a specified official other than a notary public ), such matter may, with like force and effect, be supported, evidenced, established, or proved by the unsworn declaration, certificate, verification, or statement, in writing of such person which is subscribed by him, as true under penalty of perjury, and dated, in substantially the following form : ( 1 ) If executed without the United States : I declare ( or certify, verify, or state ) under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on ( date ).
( Signature ).
( 2 ) If executed within the United States, its territories, possessions, or commonwealths : I declare ( or certify, verify, or state ) under penalty of perjury that the foregoing is true and correct. Executed on ( date ).
( Signature ).
15 U.S. Code 1692c ( a ) **Communication with the consumer generally **Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692 e ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
15 U.S. Code 1692i - Legal actions by debt collectors ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
THIS FIRM IS ATTEMPTING TO COLLECT AN OBLIGATION OWED TO UNITED STATES AND THEY DON'T HAVE THE AUTHORITY TO COLLECT.
# # Definitions and Points of Authority # # 18 U.S. Code 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.
31 U.S. Code 3123 ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.
.S. Code 31 U.S. Code 3718 - Contracts for collection services ( a ) Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. The contract shall provide that ( 1 ) the head of the agency retains the authority to resolve a dispute, compromise a claim, end collection action, and refer a matter to the Attorney General to bring a civil action ; and ( 2 ) the person is subject to ( A ) section 552a of title 5, to the extent provided in section 552a ( m ) ; and ( B ) laws and regulations of the United States Government and State governments related to debt collection practices.
( b ) ( 1 ) ( A ) The Attorney General may make contracts retaining private counsel to furnish legal services, including representation in negotiation, compromise, settlement, and litigation, in the case of any claim of indebtedness owed the United States. Each such contract shall include such terms and conditions as the Attorney General considers necessary and appropriate, including a provision specifying the amount of the fee to be paid to the private counsel under such contract or the method for calculating that fee. The amount of the fee payable for legal services furnished under any such contract may not exceed the fee that counsel engaged in the private practice of law in the area or areas where the legal services are furnished typically charge clients for furnishing legal services in the collection of claims of indebtedness, as determined by the Attorney General, considering the amount, age, and nature of the indebtedness and whether the debtor is an individual or a business entity. Nothing in this subparagraph shall relieve the Attorney General of the competition requirements set forth in division C ( except sections 3302, 3501 ( b ), 3509, 3906, 4710, and 4711 ) of subtitle I of title 41.
31 U.S. Code 3718 ( 6 ) Notwithstanding the fourth sentence of section 803 ( 6 ) of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692a ( 6 ) ), a private counsel performing legal services pursuant to a contract made under paragraph ( 1 ) of this subsection shall be considered to be a debt collector for the purposes of such Act.
28 U.S. Code 3002 - Definitions ( XXXX ) Counsel for the United States means ( A ) a United States attorney, an assistant United States attorney designated to act on behalf of the United States attorney, or an attorney with the United States Department of Justice or with a Federal agency who has litigation authority ; and ( B ) any private attorney authorized by contract made in accordance with section 3718 of title 31 to conduct litigation for collection of debts on behalf of the United States.
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| 11/08/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I confirm that I have received two written communication from you dated XX/XX/2023, wherein you make reference to the above captioned matter. It is apparent that you are acting on the presumption that we had a contract or agreement. I am unaware of this contract or agreement between Andrea, Palma, Lavin & Solis PLLC and XXXX XXXX. I dont understand how to respond to you inasmuch as I am unaware of any contract relationship between us.
As a courtesy I will entertain this presentment by demanding you to validate the alleged debt within XXXX ( XXXX ) days of the date of this Notice. Failure to properly respond and continue with collections activities will be follow up with my FTC, CFPB, XXXX and Attorney General complaint, fee schedule, and lawsuit. This is NOT a request for statements or fraudulent copies from XXXX XXXX XXXX and is not to be treated as one.
This Letter of Intent to Sue serves as a formal notice of my intent to file a lawsuit against Andrea, Palma , Lavin & Solis PLLC in federal court for Mail fraud, False or misleading representations, defamation of character with XXXX XXXX. Furthermore, gross misrepresentation, Slandering and Libel, Conspiracy, Racketeering, negligent and Civil liability for willful noncompliance with the law.
1. I am writing to dispute account # XXXX, Reference # # XXXX and account # XXXX, RE : # XXXX fraudulently opened in my name, XXXX XXXX.
2. On or about XX/XX/2023, Andrea, Palma, Lavin & Solis PLLC made first communication with XXXX XXXX by mail demanding payment for alleged debt in reference to XXXX XXXX XXXX.
3. The alleged debt was sold to Andrea, Palma, Lavin & Solis PLLC. I am demanding the alleged debt purchase agreement. ( Collection letters, attached ) 4. A debt collector is someone or business who regularly collects debts owed to others.
5. XXXX XXXX do not have any contract with Andrea, Palma, Lavin & Solis PLLC 6. Privity of contract, a contract that exists only between the parties no third party can enforce or obtain rights without the express permission of the original parties.
7. Andrea, Palma, Lavin & Solis PLLC used false representation, deceptive means to attempt to collect debt or to obtain information concerning XXXX XXXX.
8. Andrea, Palma, Lavin & Solis PLLC made false representation regrading material facts of the ledge debt. Multiple violations of Federal Debt Collection Practices Act ( FDC PA ).
9. XXXX XXXX relied on the fraudulent misrepresentation which resulted in me being harmed and damaged.
10. XXXX XXXX have been harmed and damaged Because Andrea, Palma, Lavin & Solis PLLC action with XXXX XXXX.
11. XXXX XXXX is entitled to damages for harmed.
12. Around or on XX/XX/2023, a lawsuit will be file in Federal court.
13. I will also be filing for discover, jury trial and punitive damages.
14. If Andrea, Palma, Lavin & Solis PLLC do not respond within XXXX days of receipt of this letter it will be Andrea, Palma, Lavin & Solis PLLC admission that Andrea, Palma, Lavin & Solis PLLC is attempting to commit Mail fraud, False or misleading representations. Furthermore, agreement to close account, dismissal of current, past and future actions.
15. The charge for Mail fraud, False or misleading representations, defamation of character, gross misrepresentation, Slandering and Libel, Conspiracy, Racketeering, negligent and Civil liability for willful noncompliance with the law is {$22.00}, XXXX and {$81000.00} a total of {$100000.00} fraud total amount, payable within XXXX days of receipt of this letter.
16. If not paid within XXXX days Andrea, Palma, Lavin & Solis PLLC will be responsible for additional damages of {>= $1,000,000} ( XXXX XXXX XXXX ) check or wire. Andrea, Palma, Lavin & Solis PLLC total amount due to {>= $1,000,000} payable to XXXX XXXX. Desired settlement and resolution {$100000.00} payable check to XXXX XXXX by due date.
17. These charges will apply to every instance of Mail fraud, False or misleading representations, Copies of fraudulent statements from XXXX XXXX XXXX, defamation of character and multiple violations of Federal Debt Collection Practices Act ( FDC PA ).
18. Please take notice that demand is hereby made that Andrea, Palma, Lavin & Solis PLLC immediately pay {$100000.00} in check for settlement. If you wish to resolve this matter without court action, please contact me at the above email address within XXXX business days of receipt of this letter. If I do not hear from you/your company within the time frame indicated above, I will purse actions necessary for the commencement of legal proceedings in the court of applicable jurisdiction and will be seeking costs against you/your company in respect of same. I look forward to your resolution.
19. Any agreement that was not fully disclosed to XXXX XXXX by XXXX XXXX XXXX, FAILURE OF CONSIDERATION. XXXX XXXX XXXX accepted XXXX XXXX security instrument, its rights of recourse are discharged under U.C.C. 3-311, 3-603 and 604, and therefore XXXX XXXX XXXX owes XXXX XXXX money not the other way around. XXXX XXXX security is an equal exchange of value for alleged debt obligation. XXXX XXXX XXXX breach of contract and failure of consideration! XXXX XXXX XXXX violations of Truth in Lending Act ( TILA ), TILA required full disclosure. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. XXXX XXXX XXXX gave no consideration. Furthermore, there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. I will file a lawsuit against XXXX XXXX XXXX for breach of contract.
Default by remaining silent. Andrea, Palma, Lavin & Solis PLLC to dismissal of current, past and future actions from XXXX XXXX and pay for default {$100000.00}.
If you wish to resolve this matter without court action, please contact me at the below email address within XXXX business days of receipt of this letter. If I do not hear from you/your company within the time frame indicated above, I will pursue actions necessary for the commencement of legal proceedings in the court of applicable jurisdiction and will be seeking costs against you/your company in respect of same. I look forward to your resolution.
Please note, the above figures are valid until : XX/XX/2023. Therefore, all funds must be received at above address on or before XXXX XXXX on said date at above address. Any funds received after that date will be returned and new figures must be requested.
XXXX XXXX by law will enforce my rights, seek relief and recover of all monetary damages that I may be entitled to under mail fraud, Intentional act of fraud, deliberate concealment of material information, defamation of character, aggravated identity theft, GROSS MISREPRESENTATION, Racketeer, extortion, theft by deception, mail fraud, False and misleading representations, and multiple violations of state and Federal, and regarding your continued willful and negligent noncompliance.
XXXX XXXX will be compelled to pursue potential legal action against Andrea, Palma, Lavin & Solis PLLC. I will be seeking injunctive relief, substantial monetary damages, including, but not limited to, special, punitive, and compensatory damages, attorneys fees, and all additional remedies, relief, and penalties by law or in equity, to the fullest extent permitted by law. The foregoing is submitted without prejudice and with full reservation of all rights and remedies.
* IMPORTANT : At least XXXX hours prior to tendering funds to XXXX XXXX, please email to confirm payment or wiring information at the following email XXXX.
My federal court XXXX lawsuit against XXXX XXXX for FDCPA violations XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX Your prompt attention is appreciated.
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| 01/17/2016 |
Yes |
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Web |
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I have recently had a Writ of Garnishment attached to my bank account from a past debt that totaled {$1500.00} a debt that I maintained in good faith since my initial court hearing. I had lost my job for two years, but still made lower monthly payments that were approved. Recently, after FIVE years of collecting my payments, the Law Offices of Andau, Palma, and Andeu decided this was not ample. I have not HEARD a thing from them in five years as they cashed my checks. Yet, on XXXX XXXX, XXXX they sent a " Lawful Motion '' to freeze my accounts. A motion that I was not asked for ANY proof that I was making payments. In other words, they could do this at their whim whenever they deemed appropriate.
What type of American Court System approves such laws? Does this system protect the plaintiff only? Or is this an unethical conglomerate decision for big law firms to make money? The court does not even have to recognize the defendant when issuing this legal proceeding? I am shocked and disgusted.
I now have in place a Motion to Dismiss the " Writ of Garnishment '' that has been placed on my bank account. I also requested a hearing to counter-sue for punitive financial damages due direct results of this action. I, who have XXXX dependents, can sign an exempt sheet for an emergency hearing. But the plaintiff, according to FL state law, has 10 days to respond. During this time I have no rights, money, or food. But the law firm does. How can this be?
This has been an unlawful judication on their part and signed by the XXXX XXXX court system. I question how the court system could put in place such a judgement without checking with the defendant to see if the payments have been made. I have been paying the Law Offices of Andreu, Palma, and Andretti faithfully since XXXX/XXXX/XXXX.
I have proof through a payment summary. This copy is sent EACH time a payment is made to the office because I was never sent any type of payment verification. This gives them a credible document to see my account action.
Shortly after the initial hearing of XXXX, I received a Settlement Stipulation from The Law Office. It listed all the demands and asked for my signature. I refused to sign it stating I 'm losing my job in a couple of months and need to renegotiate the payment terms. I did make XXXX full payments before I had to renegotiate. In XXXX I did get to speak to a representative that agreed to the {$15.00} payment due to my circumstance. After receiving XXXX notices of nonpayment despite paying {$15.00} for several months, I became frightened. I called 25 times, but received no answer. On XXXX/XXXX/XXXX I finally left the following message ( copy XXXX payment plan noted ). " I 've tried to call you many times and have yet to receive an answer. You did call once and I 've repeatedly called back, but I can not reach you. Should this end up in court, I want to ensure I am doing the best I am able. I continue to send {$15.00} even though I 'm on unemployment. '' I enclosed my copy and faxed back to the Law Office but received no notification.
Despite making payments continually, a Final Summary Judgment was signed by the XXXX County Courts was filed in XXXX XXXX. I have proof of payments, but this judgment was filed anyway giving the corporation a levy to add more fees on my case. I can see now why they never answered my phone calls they were filing this motion despite my attempt of repayment that was approved.
Due to being unemployed for two years, I had to borrow money to pay the Law Office to keep up good faith. I have XXXX and XXXX which cause me issues in the work environment. Nonetheless, I sent XXXX check for {$30.00} every other month, which I had to borrow, when a payment was due. THIS WAS CAREFULLY LABELED ON THE PAYMENT SUMMARY SHEET SENT TO THEM EACH MONTH.
Since XXXX/XXXX/XXXX The Law Office has faithfully cashed my checks. My last correspondence
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| 09/17/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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On XX/XX/2023, I filed the attached complaint against both XXXX XXXX XXXXXXXX and their representing counsel, Andreau, Palma, and Lanvin. XXXX XXXX XXXXXXXX responded that since this was in litigation, it was to be addressed with their firm. In response to the complaint filed, their firm filed a prompt response with the CFPB and on or near XXXX XXXX, sent me what I presume to be a proposed court order ( attached ). My assumption is the attached proposed court order was to satisfy the original complaint that this firm was inappropriately delaying my case. As illustrated in the attachment, XXXX XXXX XXXXXXXX firm vehemently denied that allegation.
However, on or near XX/XX/2023, I received notification from XXXX XXXX XXXX attorneys that they were responding to a Failure to Prosecute ( attached ) initiated by the State of Florida, for time languishing between court events.
The above-mentioned proposed order, sent to both my employer ( garnishee ) and myself, WAS NOT sent to the court. No effectual activity was done to proceed with my case and now, further time has languished. A reasonable person would question the intention behind this mismanagement of court documents. One paper delivered erroneously is understandable, this makes two documents I have received that the court has not.
At this time of record inflation, surging fuel charges, and Florida energy increases of 20 %, I am unable to navigate the inconsistencies of this case that surely do not follow Florida law. For a year, I have had no ability to intervene and discuss the financial hardship this has and is creating. When I received the proposed court order, I was relieved because this would give me the opportunity to present an appeal. Though I would be out further funds to defend my case, this would be a path forward to correcting and alleviating a dire situation these errors continue to create.
To date, I have not seen any activity with the proposed order. This judgement will be fully satisfied in approximately one week. I have been rendered completely defenseless. Surely this is an abuse of debt collection practices, at minimum. In addition to financial hardships created by circumventing the judicial process, I have battled severe bouts of anxiety for the past year and, especially, the last few months with increases in all living expenses, I have been unsure how my family could survive.
XXXX XXXX XXXXXXXX has been sited before for improper garnishment techniques and I ask the CFPB to review these facts and documents and see that this is continued garnishment abuse by this bank, carried out by their firm, and endured by me. I truly hope that no other consumer is expected to endure a collection process like mine. This has required unspeakable mental fortitude that the bank has no compassion and accountability for, which is a shameful business practice.
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| 01/28/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This paid debt was held by XXXX XXXX XXXX who sued on behalf of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX filed a Satisfaction of Judgement then sold the debt to XXXX XXXX, XXXX on or about XXXX.
XXXX XXXX was supplied with a certified copy of the Satisfaction of Judgement and then sold the debt again to XXXX XXXX XXXX who has hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX has called my cell phone through ( I believe the following numbers, as I no longer answer my phone due to fraudulent debt collection attempts ) XXXX XXXX XXXX ( 1 ) XX/XX/XXXX XXXX XXXX XXXX ( 3 ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( 2 ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( 1 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I've attempted to hire an attorney, I can not afford one nor will an attorney take the case and be paid upon completion because it is under 50 calls ( XXXX XXXX XXXX ).
XXXX, XXXX, XXXX XXXX XXXX, XXXX has sent me a letter stating " As you know, XXXX XXXX XXXX, the current Creditor-Debt Purchaser, has purchased the account referenced above. A judgement was entered against you in this matter on XX/XX/XXXX. '' They fail to mention that the Satisfaction of Judgement has also been filed XX/XX/XXXX. If I were a " less sophisticated individual '' this would lead me to believe that I still owe this debt.
What sucks is I can't afford to sue XXXX XXXX nor the current owner and law firm attempting to collect on a satisfied debt. Hopefully, at least you can do something about this ... I can't.
I have also posted a copy of the Satisfaction on XXXX ( XXXX XXXX XXXX ) LinkedIn site and also on XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX clearly viewable on a public forum, in the same manner as was the custom in newspaper days.
I'm not looking for legal advice, I couldn't afford to take it, but surely they can be fined or something for continuing to sell paid debts and trying to collect again on them.
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| 10/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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On XX/XX/2021, XXXX XXXX XXXX served me with a notice to appear to a pre-trial conference/mediation, alleging I owed them {$3300.00} on a credit card debt originally issued by XXXX XXXX , which they had purchased. This was the first time I heard of that alleged debt. I called their lawyer up and ask for details. The lawyer asked if I knew of an address in Kentucky, which was totally unknown to me. Upon a quick investigation with the vendor, it appeared I was victim of identity theft. I filed a report, appeared at the pre-trial conference, and submitted a Counterclaim in the Small Claims Court. The derogatory report submitted by XXXX to the various CRAs resulted in StudentAid declining me a {$30000.00} Parent Plus Student Loan for my son who is in Senior year in College, and for his landlord declining me as a guarantor for his lease. My son was in mental health therapy at the time and this additional stress clearly aggravated his condition. I asked for {$8000.00} on damages.
A couple of days after the conference, XXXX asked the Court to dismiss their claim, and filed a Motion to Dismiss my Counterclaim, arguing that " Courts have consistently concluded that the FCRA does not provide a private cause of action for violations of Section 1681s-2 ( a ). See 15 U.S.C. 1682s-2 ( d ) : Longman, 702 F.3d at 151 ( " [ T ] he statute plainly restricts enforcement of [ 15 U.S.C. 1681s-2 ( a ) to federal and state authorities. " ), '' and concluding " Even assuming all of the allegations were true and taken in the light most favorable to the Defendant, the Counterclaim would still fail to state any claim upon which relief may be granted under the FCRA. '' I was served with the Motion to Dismiss on XX/XX/2021.
I have not heard from the Court yet, and I would like to know if indeed XXXX 's assertion that I have no cause of action is correct. If it is, please let me know how best handle this matter in order to obtain proper redress. Thank you.
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| 03/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I recently reviewed my credit report and noticed that there was a charged off XXXX XXXX XXXX ( credit card ) on all three credit bureaus reporting inaccurate information. I reached out to the original creditor about the account, the original creditor ( XXXX ) told me that they can not give me any information on the account because they no longer have the account. The owners of the account is XXXX XXXX XXXX XXXX whose address is XXXX XXXX XXXXXXXXXXXX XXXX. XXXX XXXX XXXX, FL XXXX when I looked on my credit reports XXXX XXXX XXXX XXXX is not listed as the collection agency nor collection attorney that has the account. the address on my the credit reports is showing XXXX XXXX XXXX XXXX XXXX, TX XXXX ( which is a XXXX XXXX XXXX ) address. phone number is XXXX. I am totally confused as to why XXXX XXXX XXXX XXXX is not being reporting on my credit reports but a XXXX XXXX XXXX XXXX XXXX TX is being reported. why is XXXX, XXXX, XXXX not reporting accurate information? why is Andreu Palma & Palma not revealing themselves as the furnishers of the account if the original creditor said that they have it? Not only that, Andreu Palma & Palma has summons me to court XX/XX/XXXX for a lawsuit. I am asking them if you say I owe this debt please provide me with the original contract with my name listed along with other things. I sent them a certified mail asking this company to validate this debt. I am so confused and I really feel like Andreu Palma & Palma is misrepresenting and being misleading. I would hate to think that they are breaking Statue 15 US code 1692 e3, e7. this is the reason for the complaint today. please help me. they are reporting invalidated, inaccurate information to all three credit reports that is hurting my credit score at this very moment. None of this is making any sense and I am afraid that they are trying to take advantage of me.
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| 05/15/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Dear CFPB, I am writing this letter to formally request that the company Andreu, Palma, Lavin, & Solis, PLLC cease all communication with me regarding the alleged debt in question from 2011. I have reason to believe that the debt in question is fraudulent, and your attempts to collect on it constitute harassment under the State of Florida 's harassment laws.
I have never entered into any agreement with your company, Palma, Lavin, & Solis, PLLC or any of its affiliates, and I have no knowledge of the alleged debt. Furthermore, I have not received any documentation regarding the debt from 2011, as required by the Fair Debt Collection Practices AAndreuct ( FDCPA ).
Your repeated attempts to contact me via phone calls, text messages, and emails have caused me significant distress and XXXX. I am fully aware of my rights as a consumer under the FDCPA and the State of Florida 's harassment laws, and I demand that you immediately cease all communication with me.
I demand that the company Andreu, Palma, Lavin, & Solis, PLLC provide me with written and signed documentation of the alleged 2011 contract with my signature, and a copy drivers license of the alleged debt dated from 2011 within 5 business days. Failure to provide such documentation will be considered a violation of the FDCPA and harassment under Florida law.
If the Andreu, Palma, Lavin, & Solis, PLLC company fails to comply with this request, I will be forced to seek legal action to protect my rights as a consumer. Any further attempts to collect on this alleged debt will be considered harassment and will be dealt with accordingly.
Sincerely,
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| 02/24/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I spoke with many people at Andreu, Palma, Lavin & Solis, LLC regarding a wage garnishment issue. Once that was taken care of I was informed of another file they have for me. The file is for a judgement from XX/XX/XXXX. In XX/XX/XXXX, my bank account was frozen and I had it unfrozen because I was living alone raising a child. I was very naive at the time under the impression I would be notified at a later date to resolve the issue with the debtor. Well over the years, 17 years to be exact I had forgotten all about it since I was never contacted. Now in XX/XX/XXXX, I am being informed by Andreu, Palma, Lavin & Solis, LLC I owe over {$14000.00} on this judgement from XX/XX/XXXXand the only way I found out was because I was calling about another issue. The I was asked if the my contact number was still the same and I was provided a number that I have not had the use of since the year XX/XX/XXXX. I want proof that there was an attempt to contact me over the past 17 years. I find it unreal that a company has held onto this debt and has charged me interest daily for all this time but couldn't locate me to try to collect the money. Also, I asked to try to resolve this issue and was told the client will only accept a lump sum amount. There has to be a way to have proof that there has been an attempt to locate me and a reason why I can't try to make this right after 17 years. I know I owe the money, but I feel as if they are just trying to break me after all these years of no contact by demanding a lump sum payment to clear it.
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| 09/06/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I am writing this missive to complain about unfair collection practices of a law firm, Andreu, Palma, Lavin, Solis. Apparently they represent a collection agency. They sent me a letter XX/XX/2016 informing me of their representation of a debt collector. I IMMEDIATELY wrote a letter attempting to understand who they were and who they were representing as well as any facts germane to this collection. I never received a reply from them, even though MY letter to them requested a reply so that I could understand their contention. I never received a reply from them. XX/XX/XXXX I reached out directly to XXXX XXXX who is a partner in the aforementioned law firm. He acknowledged receipt of my letter and admitted that he willfully and intentionally ignored it as he " thought these questions had already been answered ''. Are n't creditors obligated to respond to the person with whom they have a dispute with in a timely fashion? Are they allowed to ignore legitimate requests for information? How can I defend myself or even proceed to negotiation if I am not in possession of all the facts. The answer is, I can not! I would like this to be resolved by your agency. I want this debt to go away and any public record of this action to be expunged. I believe it is illegal to ignore a good faith request for information. Please do n't allow these predatory firms the right to ignore correspondence that seeks answers. It is a corruption of the system enacted to protect consumers. Thank you for your consideration.
|
| 10/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Older American |
|
Attorneys XXXX, XXXX, XXXX XXXX XXXX of XXXX Florida have filed a lawsuit against me for a credit card that was charged off. They are a third party debt collector. It was XXXX XXXX that I had the original credit card with. I was never notified by the original creditor that they were selling my debt to anyone and by law they are supposed to notify you. I was told it was sold to a company called " XXXX XXXX '', whom in turn sold it to XXXX, XXXX and XXXX. I only know of the lawsuit because I was contacted by a Mediation firm in XXXX, FL.who offered to mediate the debt for me for a price that was not disclosed to me. I asked how he knew and I did not. The reply was they look up public records. Otherwise I would have not known anything about a law suit. I have written to them by certified mail and asked them to provide me with proof of Assignment or proof it was sold to them from original creditor and testimony from original creditor attesting that the bill of sale is true and accurate.They have not provided me with this. For this reason and because I was not notified by the original creditor, I ask that they withdraw the lawsuit. To date I have not been served a summons. I am XXXX and living on social security XXXX each month. This is my only source of income and is protected from wage garnishment as Is my home under the Homestead exemption laws in Florida
|
| 11/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was notified by job that a garnishment order was put in affect to start garnishing my XX/XX/XXXX paycheck. I contacted the collection agency who informed me that there was a credit card issued to me in XX/XX/XXXX. I ask for the credit card account number which they could n't provide to me all they had was a validation letter from a judge in Georgia. So I contacted that clerk office in Georgia who notified me that the account was closed XX/XX/XXXX for a court order to collect garnishment. I also ask them to provide me with the credit card account number and they were unable to. This collection agency has been garnishing my wages since XX/XX/XXXX. On XX/XX/XXXX I received a certificate of clerk dissolving writ of garnishment pursuant to section 77.041 ( 3 ), XXXX My job notified me that I will get all wages back on my next paycheck. I was treated so unfair with the collection agency I explained to them that I never had a credit card with XXXX XXXX are XXXX bank by the way the credit is for a XXXX XXXX my name is XXXX XXXX wrong spelling. Can please get advise on what steps I should take next to get this resolved with the collection who garnished my wages without any proof this credit card was in my name.
|
| 09/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
Am being sued for credit card debt by XXXX XXXX, XXXX XXXX XXXX from XXXX, Florida. It was for a XXXX XXXX rewards card.The account was charged off and sold to XXXX XXXX who sold to XXXX XXXX, XXXX XXXX XXXX. I was never contacted by original creditor as required by law that the debt was being sold. so it is not a true assignment of debt. The only document i received was old credit card statements. I asked for additional paperwork that proved they have the right to collect and I received nothing.
I found out through public records of a lawsuit. I called and spoke to a representative who made me an offer that I could not afford. They would not budge. I am disabled and living on social security. I believe they have to provide me with proof of assignment showing that the account was sold from original creditor to them. I am not disputing the debt from the original card holder but only that i was not contacted and when I asked for documentation, I got no response, except that a lawsuit was filed. I found out in a advertisement from a outside mediator who wanted to represent me. In addition I asked to speak to an attorney and they refused.
|
| 05/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received noticed for court as well as non negotiable totals when there was a settlement previously made for way less. During Covid I could not afford it but once I was then able to and willing to start making payments they decided to sell it off to someone else who now refuses to take anything less when the previous amount was about {$1500.00} less than what they are willing to take. I have requested numerous times to negotiate they refuse to, I have also sent a 609 letter because the original debt is not only from a different creditor but also very old. It was not proven it was owed to this new creditor which is why it was then removed from my report but now it shows up again and shows the original creditor and their collection agency but does not show the new attorney agency on their or their refusal to work with me. Again this is ridiculous and a rip off as I tried and tried during Covid but refused to work with me at all and now have made it worse. Started as XXXX XXXX, then XXXX XXXX, now Andreu Palma Lavin & Solis PLLC.
|
| 04/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Andrew, Palma, Lavin & Solis, PLLC is filing for false judgments to be paid in full, but Ive never missed a payment with them. This is absolutely disgusting because my payment arrangements began in XXXX for {$35.00} a month for the first 3 months and {$100.00} a month afterwards. I sent {$35.00} in XXXX XXXX, {$50.00} In XXXX XXXX, {$100.00} in XXXX XXXX, {$100.00} in XXXX. XXXX, and {$100.00} in XXXX. XXXX. I only had to give them {$300.00}, but they received {$380.00}. Yesterday I received mail asking for the payment in full, but we have a payment arrangements and I dont have that type of money to pay in full. I dont know if they are preparing for the pandemic and people being unemployed or what. In the past, I called and was placed on hold and no one came back to me. Yesterday I mailed a letter to them. I dont know if debt collectors are essential workers while under a safer at home order. But I sent all of my payments in and they are breaking our agreement without cause.
|
| 11/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid my collection to XXXX XXXX XXXX on XX/XX/XXXX to their 3rd party lawfirm of Andreu, Palma, Lavin & Solis. I was advised that the 3rd party lawfirm sent notification to XXXX XXXX on XX/XX/XXXX that my debt was settled for less than is owed. At this point XXXX XXXX was to remove the debt from my credit report as is their normal practice. Per my new mortgage lender ( trying to buy a new family home ), this debt is still showing a balance of {$760.00} remaining ( difference of what I settled my debt for ). In speaking with XXXX, they are stating that they did received the monies collected but have not received notification of the debt being settled and closed. They sent a request to the lawfirm to confirm on XX/XX/XXXX. As of XX/XX/XXXX, they have not received a response nor have they closed my account out. This has now been over 60 days since I paid this debt on XX/XX/XXXX and is causing me to possibly lose my new home and large deposit that I have placed.
|
| 12/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
andreu , Palma , Lavin & Solis , PLLC trying to secure money for XXXX who bought a debit from XXXX XXXX XXXX XXXX They stated that XXXX had received a judgement that the debit was valid, without my knowledge stating that I had made a payment in XXXX, Not true, my father died in XXXX and my money had gone to pay medical bills. I paid a settlement from my father to XXXX XXXX, I spoke with a man who had an XXXX accent and paid.
XXXX has bought a debt that was closed years aga. I received a letter from XXXX, XXXX, XXXX and XXXX, When I called them I spoke with a man named XXXX phone number XXXX option XXXX, Who threatened me, said this judgement would last for 20 years etc. I had a legal group litigation practice group who challenged the legitimacy of XXXX claim, when I decided to cease the use of the legal group XXXX XXXX XXXX, XXXX, et. al showed up again with their terroristic tactics
|
| 07/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XX/XX/XXXX, I received, from ANDREU, PALMA, LAVIN & SOLID, PLLC, a photocopy of a NOTICE OF ASSIGNMENT OF JUDGMENT in my parents ' mailbox. Their document was dated XX/XX/XXXX. This document came via first-class mail and was enclosed in an envelope with another AFFIDAVIT OF ASSIGNMENT OF JUDGMENT, dated Tuesday, XX/XX/XXXX, for a Final Judgement in XX/XX/XXXX, when I was ten years of age. I tried to speak with a representative at this law firm over the phone about this matter but they demanded my Social Security number. I refused and they would n't proceed with the call. I know for a fact that this matter is either an intentional fraud or a hoax. They are demanding {$2400.00}. Again, I have no knowledge of this debt from XX/XX/XXXX, as I was only ten years old in XX/XX/XXXX.
|
| 08/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In late XX/XX/XXXX I was harrased multiple times by a debt collection company who violated numerous florida debt collection laws during there contacts with me. ( I have submitted complaints regarding them to you previously ) In XX/XX/XXXX of XX/XX/XXXX I made an agreement with the company to pay off the debt, an agreement was signed by all parties and a payment was made in full via certified check, as well as a cease and desist order regarding further communications from this company since the debt was settled.
Yesterday, over a year later I received an email from the same company demanding immediate payment of this same debt, this is harassment and a direct violation of a cease and desist order, as well as an illegal attempt to collect on a settled debt.
|
| 09/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hello, Yes, I got a XXXX XXXX XXXX and I was making the payments on time and when they increased my limit, I was using the credit card thinking I could pay it off I went through the hardship program trying to get help and time to pay it off. Unfortunately, I wasn't able to, and the debt got sent to a collection agency called XXXX XXXX XXXX and they kept sending me notices even after I moved, they found out where I lived and continue to send notices through XXXX. Upon yesterday I received a letter from ANDREU, PALMA, LAVIN & SOLUTIONS, PLLC stating that I have a violation notice stating that I owe {$1500.00} and I am thinking I could get in trouble and because I am on a fixed income, I don't know how I am going to pay what they say I owe.
Thank you
|
| 07/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company is attempting to collect a debt and is using unfair practices according to The Fair Debt Collection Practices Act.According to the FDCPA 15 USC 1692c.d.e.f.I have no contact with this company, no debt or any contract with them for them to assume an alleged debt.This company has no wet signature of mine on any documentation, and can not provide any debt validation.I request debt validation from this company under 15 usc 1692g.Also request accounting information under US code 9-210.This company is using 15 usc 1692e and is threatening as an attorney to collect a debt not owed to them.
|
| 08/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
In or about XXXX, my husband purchased a used car from a used car dealership. I co-signed with him for the loan. We separated in XXXX. Evidently in XXXX he stopped making payments. He died in XXXX. The finance company sued me but I was never served with process and did not know about the suit until XXXX XXXX when my salary was garnished. According to court records the total garnishment should be about {$4400.00} ( including interest ). The attorneys (? ) for the debt are still taking money from my salary and say that I owe them another {$1300.00}.
|
| 11/28/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
During a review of my credit score in XX/XX/2023, I noticed an outstanding collection in the amount of XXXX. I contacted XXXX XXXX and asked for it to be removed. I later received paperwork from a debt collection agency in the amount given above. I have lived at my current residence for almost XXXX years. This debt is not mine, I know the female who listed me on the rental agreement. I have not had contact with her since XX/XX/2023. She resided in this apartment with her parents.
|
| 08/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
A joint credit card that my ex husband and I had was sent to a collection agency. I agreed to pay them starting 2009. My ex husband filed bankruptcy but I did not. This credit card was discharged in his bankruptcy case. The collection agency stopped taking payments out of my bank account at that point. Now a new attorney office/collection agency is coming after me for the balance even though it was listed in bankruptcy and paid through my ex husband 's bankruptcy.
|
| 06/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Andreu, Palma, Lavin, and Solis notified me by postal mail they were trying to collect a debt for XXXX XXXX account ending XXXX owned by XXXX XXXX. I emailed on XX/XX/2023 disputing debt, and specifically asked for verification through USPS. Never received a response. I am now getting letters from lawyers with case number # XXXX. I stated I was disputing the debt until I received supporting documentation from the original creditor, which I have yet to receive.
|
| 07/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Junk debt buyer sent me an email to confuse me. The judge ordered arbitration to settle. dispute. The arbitration demand was filed with XXXX XXXX. We already did court ordered mediation. The Junk debt buyer try to confuse me by not notifying me that she is a Junk debt buyer via her email. She failed to communicate with me in the email that she is a collection agency trying to collect a debt. I want {$500.00} to settle her violation.
|
| 01/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Older American |
|
apparently XXXX XXXX XXXX, AFTER I paid a settlement of XXXX dollars sold the account to XXXX, who got some type of judgement against me in XXXX of which I was never notified. They hired one law firm to harass me and after complaining that firm dropped it, Now they have hired XXXX, XXXX, XXXX & XXXX who are now threatening me
|
| 06/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Servicemember |
|
I was asked to not be contacted 3 times by a certain debt collector, and continue to receive letters that are inaccurate and should be consider harassment. They need to be investigated for not operating ethically or legally.
|
| 06/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Servicemember |
|
I received a letter for a collection attorney trying to collect a debt that is to old.
|
| 01/20/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 08/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 03/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 03/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 01/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Older American, Servicemember |
|
|
| 07/20/2022 |
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
|
|
Phone |
|
|
|
| 06/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Referral |
|
|
|
| 07/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Older American |
|
|
| 06/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 03/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 08/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
|
| 12/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 07/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 06/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 05/03/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 03/08/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/12/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 05/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 05/12/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 02/20/2016 |
No |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 07/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/08/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Postal mail |
|
|
|
| 01/19/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/27/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
Older American |
|
|
| 10/04/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/04/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Older American |
|
|
| 07/01/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/09/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
|
| 04/22/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 02/19/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/17/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 12/23/2013 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 11/21/2013 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
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