Blitt and Gaines, P.C. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 606XX	Web
This is a complaint against XXXX XXXX XXXX and Blitt & Gaines P.C. lawyer XXXX XXXX for violations of FDCPA 15 USC 1962 ; RICO Act 18 USC 1961, Hobbs Act 18 USC 1951 ( Extortion ) ; IL Collection Agency Act 225 ILCS 425/1, Fraud Upon the Court ; perjuries ( making false statements under oath ) lies to Federal Authorities ( CFPB ) ; unlawful withholding of earned commissions ; unjust enrichment and violations of Attorney Ethics Most individuals that work a job receive a salary and benefits, such as healthcare and retirement accounts, such as 401 ( k ) plans. Some industries, particularly certain jobs in the financial services sector, like XXXX XXXX XXXX securitization scheme, work on commission. This means that they are paid based on their performance. In this case, an employee would receive a percentage of their income from commission generated from the amount of business they bring in for the firm. Cu The fact that XXXX XXXX XXXX withhold this information before engaging potential employees ( misrepresented as " borrowers '' ) into a very profitable business scheme based solely on contractor 's performance, does not reveal them from the obligation to pay for services provided - to with : issue a promissory Note or any other documents which XXXX XXXX XXXX digitize and sell to investors for {$12.00} per {$1.00} commission paid to so-called " borrowers ''. Currently this commission masqueraded as " debt '' is about 8 % of total revenue received by XXXX XXXX XXXX from various trades backed by my identity while based on similar industry standards, like oil and gas, this commission must be at least 20 %. I performed my duties ( unknowingly since XXXX lied to me ) as a contractor whose DATA generated XXXX XXXX XXXX a windfall of profits, did not received any compensation due to XXXX XXXX XXXX fraudulent conduct ; and currently have right to claim at least 20 % of {$6000.00} x 12 times = {$72000.00} profits received by XXXX XXXX XXXX, which is about {$14000.00}. But instead of paying me this earned commission, I have to defend a baseless law suit filed by well-kniown racketeers with legal licenses, Blitt & Gaines, PC and their associate XXXX who lied six times on two pages claim. based on perjuries and obstruction of Justice while lack ANY evidence that any debt exists. On XX/XX/XXXX lawyer XXXX XXXX filed a frivolous and defamatory case XXXX XXXX on behalf of XXXX XXXX XXXX, XXXX XXXX, as a Plaintiff ( XXXX ) where she made following false statements : XXXX. XXXX XXXX stated that this is an action for damages that are within the jurisdiction limits of this Court This is a lie. The action filed by lawyer XXXX is not for damages but for additional revenue to XXXX who paid me for my financial services, to the wit my signature on the application in order to initiate a giant securitization scheme based on my personal information. But I didnt know that. I received a payment that was dressed up as a credit card. I never thought to bargain for a reasonable compensation for entering into a transaction that was the keystone of all the sales of all of the securities by XXXX and their subsidiaries. And I never thought about whether I wanted to be part of XXXX business venture whose purpose was to sell betting rights based upon reports about my transaction and whether I was making scheduled payments. Collection and enforcement of the obligation I created when I executed the application is the act of taking back the commission they paid to me. And because they want all of it back plus interest that leaves me with negative compensation for initiating a huge business venture and allowing the use of my name and reputation to be sold on the open market without my knowledge or consent. ( They get all the benefits, I get the shaft, emotional distress by defending a baseless lawsuit filed by a dishonest lawyer, and defamation of character ). As soon as I discovered XXXX scam with securitization, I immediately contacted XXXX and filed several demands to validate this debt including complaints to CFPB. XXXX and lawyer XXXX never responded to my direct questions if this credit card account was securitized ; failed to validate the debt and never provided me a copy of my application recorded as an asset on XXXX account receivable. Each respond was either absurd runaround or a lie. Yet, despite pending debt validation disputes ( under the law, evasive and incomplete respond is not a respond at all ), lawyer XXXX filed a baseless claim on behalf of a Plaintiff who lacks any standing and who never suffered any damages ; deliberately submitted numerous false statements including a lie about non-pending disputes. I contact CFPB to demand XXXX XXXX XXXX and lawyer XXXX provide me proof which particular damages suffered XXXX if according to OCC Report on Derivatives XXXX made at least {$12.00} per {$1.00} they paid me as a commission for my signature on the application ; proof that XXXX has my application recorded on their bookkeeping ledger as an ASSET on account receivable, file a copy of my application as it was recorded on XXXX account receivable with the case records ; state if XXXX personally reviewed all documents, particularly the part of XXXX ledger related to my so-called credit card account and who provided XXXX these records. Provide me and file with the Court proof that my account receivable was removed as an asset from XXXX bookkeeping records after it was purportedly charged off, and a copy of this discharge, as required under GAAP. If my application was not recorded as an asset on XXXX account receivable, please explain why XXXX failed to do so. 2. Lawyer XXXX stated that her case files within jurisdiction of this Court. This is a lie. First, she intentionally misrepresented nature of my transaction with XXXX as collection of debt rather than confiscation of a commission in quasi contract for services I involuntarily and unknowingly performed for XXXX. Thus, this Court has no jurisdiction over the subject matter in the dispute. Second, XXXX is not the owner of my account thus has no standing to bring this case since they passed me money dressed as credit as one-time commission for services ; securitized data about my transaction ; sold securities to investors for 12 times profits ; and passed data about my transaction to third parties such as XXXX XXXX while my application is not recorded as an asset on account receivable with ANY company. This is the reason why lawyer XXXX failed to provide me proof of my application as recorded by XXXX bookkeepers ; and attach the KEY evidence my application as recorded on XXXX account receivable to her Complaint as well and proof of XXXX ownership. XXXX XXXX XXXX was recently hit with a huge class action for filing frivolous collection cases while they securitize and transfer credit card accounts to XXXX XXXX while falsely claiming to be an owner of the debt which XXXX does not own ; and claiming fictitious damages while XXXX did not suffered any damages and does not own the credit card accounts after they were securitized and transferred elsewhere. I repeatedly asked XXXX and lawyer XXXX to disclose if my credit card application was used by XXXX in their securitization scheme and transferred to third parties. XXXX and XXXX repeatedly refused to answer my direct question if my application of credit was securitized by XXXX. I demand XXXX XXXX XXXX and lawyer XXXX to respond if XXXX securitized my application and sold or otherwise transferred it to third parties. State the date when my application was securitized ; and provide me the name of the party to whom XXXX transferred these accounts to be held as assets on their bookkeeing ledger on account receivable as required by GAAP. 3. Lawyer XXXX said that I applied and received a credit account which is owned and administered by Plaintiff XXXX XXXX XXXX XXXX. Again, these statements are lies. I applied for a credit but my transaction with XXXX was totally different. First, it was not with XXXX who acted as intermediary between me and certain undisclosed parties from whom XXXX borrowed money to pay me for services. Second, XXXX had no intention to extend me any credit. XXXX paid me a small commission for MY financial services to THEM which resulted in 12 times windfall of profits ( $ XXXX {$72000.00} ) after XXXX securitized my personal data ( identity theft ) and sold it to third parties. XXXX would prefer to pay me {$1.00} rather than {$6000.00}. But then how could they get me to sign a note for {$6000.00}? My account is not administered by XXXX, it is another lie. My payments are collected by third parties via lockbox agreements. Billing statements submitted by lawyer XXXX are not evidence of XXXX ownership of my debt, they are merely hearsay. They are not evidence if XXXX owns and administer my credit card account receivable on their ledger as an asset since here are no such accounts exists. When XXXX gets money from me they have no place to put it. They cant debit an account receivable that reflects ownership of my obligation because there is no account receivable on the ledger of any company. My payments constitute a return of the commission they paid to me an amount that they deemed reasonable. That means that their payment is evidence of the amount of commission to the me as a contractor that XXXX deemed reasonable. Ask any lawyer what that could mean. In court, they only seek to increase their profits by initiating a frivolous collection while XXXX did not suffered any damages since XXXX is not the owner of any account receivable where my application is recorded as an asset, after XXXX securitized and transferred all so-called credit card accounts to third parties. XXXX now attempts to get from me additional payment to negate the consideration they paid me for the concealed transaction which brought XXXX a windfall of profits. Bear to repeat, these money was only temporary consideration for a transaction in which ALL players received all the benefit such as {$12.00} revenue per my {$1.00} commission by selling securities based on my data to third parties ; plus obtaining insurances for this data ; plus selling additional securities to default debt buyers plus receiving tax breaks and bailouts for damages XXXX never suffered. I am entitled for at least 20 % from these profits as a payment for MY services to XXXX. 4. Lawyer XXXX claimed that I breached an Agreement by failing to make periodic payments as required. Bear to repeat, XXXX did not attach to her complaint ANY copies of any agreement evidencing that I agreed to make ANY payments to XXXX. Billing statements which are automatically generated by someones server are NOT evidence of my promises to pay anyone. I demand lawyer XXXX to explain why she did not attached the key evidence to her claim my purported agreement with purported creditor XXXX where I promised to pay XXXX ; as well as my signed consent to participate in XXXX securitization scheme. I demand explanations why XXXX failed to provide me a copy my application along with evidence that XXXX has or had my application as an asset on their ledger as account receivable while I repeatedly requested it from XXXX and from XXXX. I request XXXX and XXXX to highlight the part of my application where XXXX disclosed the actual nature of this transaction securitization scheme and obtained my consent to participate in it. I didnt fail any agreements with XXXX since they failed first by misrepresenting the nature of my transaction. While I was thinking that I applied for a credit card, XXXX seeks from me free financial services with negative compensation. Thus, here was no meeting of minds since XXXX paid me with other people money ( borrowed from Federal Reserve or from investors ) and used my identity for unjust enrichment in their securitization scheme resulted in 12 times profits by selling my data on the open market without my knowledge or consent, without any disclosures to me, commonly known as involuntary servitude aka slavery. I demand XXXX to pay me royalties from all profits, no less than 20 %, or {$12000.00} which is reasonable compensation for my services ; plus treble damages for fraud ; treble damages for racket ; damages for emotional distress plus all damages and expenses to defend a baseless claim. 5. Lawyer XXXX claimed that here is no unresolved billing disputes related to this account. This is a lie. Here are numerous unresolved disputes, starting from with demands to validate this debt which are still pending with CFPB. XXXX and lawyer XXXX repeatedly refuse to respond my disputes particularly over XXXX ownership of my account as their asset on XXXX ledger ; the nature of my transaction ; and amount of profits received by XXXX from sales of my securitized data. Lawyer XXXX and XXXX never responded to my demands to disclose if my account was a subject of securitization by XXXX. Lawyer XXXX either lied to CFPB or ignored my questions. 6. Lawyer XXXX attached an Affidavit from XXXX XXXX who also made numerous false and misleading statement with intent to defraud me and the Court. First, XXXX XXXX claimed to be a designated full-time employee of XXXX XXXX XXXX, XXXX. Mrs. XXXX failed to disclose in which capacity she is employed by XXXX who has over XXXX designated employees including janitors. Second, Mr. XXXX failed to disclose her relationship to XXXX bookkeeping records, particularly with credit card accounts receivables, while she merely said she is familiar with XXXX record keeping practices. I demand lawyer XXXX to provide me Mrs. XXXX exact position with XXXX, ( aka if she is an accountant who maintain accounts receivable for XXXX ; or auditor for such accounts or an account manager, ect ) ; and how she became familiar with XXXX record keeping practices ( for example, Mr. XXXX maintain credit card accounts receivable for XXXX or Mrs. XXXX personally makes entries in such accounts, ect ) ; disclose if XXXX personally handled any accounts related to my transaction and provide an Affidavit where XXXX stated that she personally inspected my application as it recorded on XXXX ledger account receivable as an asset. Please make sure Mrs. XXXX include her full Title and describe her duties relevant to her position with XXXX which made XXXX competent to testify ; her employment address and contact information, so Mr. XXXX can be called as a witness in person before the Judge, which I will definitely demand. I demand Mrs. XXXX to disclose if XXXX securitized my so-called credit card accounts and sold or otherwise transferred it to third parties, particularly to XXXX XXXX. According to Mrs. XXXX sworn statement, Plaintiff certified that they are in possession and can produce the most recent monthly statement which is a hearsay evidence - while I repeatedly demand to produce my signed Application for Credit and prove that it was recorded as an asset on XXXX account receivable during all time in question. Bear to repeat, copies of monthly billing statements are not evidence of ownership of any debt ; do not constitute any promises to pay, and here is no proof that these monthly statements are actually coming from XXXX and not some third party company servers like XXXX or XXXX XXXX XXXX XXXX. In sum, lawyer XXXX lied at least six times in 2-pages claim ; attached an affidavit full of false statements from an unqualified witness since its unclear in which capacity Mrs. XXXX is employed by XXXX ; and how she obtained knowledge about my account as an asset on XXXX account receivable. Lawyer XXXX refused to respond my direct questions regarding securitization and sales or transfers of credit card accounts by XXXX. Lawyer XXXX failed to attach the key evidence my executed application for credit where I promised to pay XXXX and where all terms of this transaction aka securitization were disclosed and agreed by me. Its time to start disbarment lawyer XXXX for her bluff since she try to get the money back that XXXX paid to borrowers in exchange for starting series of transactions in which unregulated securities were sold, on an infinite basis, to investors who were betting on future announcements of data performance by the issuer doing business under the name of a legally nonexistent trust because nothing had actually been entrusted to the named trustee of the named trust. They try to promote the myth that the debts exist and that there is a creditor who owns the debt. In fact, the process referred to as securitization is a process of liquidating any entry on the ledger of any company on which a receivable had appeared. Based on all evidence, including OCC reports ; and numerous Court cases here is neither the debt nor the owner of any debt owed by the borrowers like myself existed at the time of the collection. The filing of such collection is a malicious attempt to cover up a fraudulent scheme that was part direct fraud on investors and borrowers, and part Ponzi scheme. The goal of collection case filed by XXXX and XXXX was ( a ) to perpetuate the illusion of an existing established loan account receivable on the books and records of a valid legal creditor and ( b ) to generate funds as additional revenue the securitization players. In effect, each such collection is a bonus lawsuit i.e., where the proceeds will be used to pay bonuses and other compensation to people and companies who assisted in the scheme. The collection filed by lawyer XXXX is entirely devoted to generating revenue arising from fraud, deceit, and active concealment that exists up to and including the date of the writing of this Complaint. To put it another way, the fact that I stopped making scheduled payments because I demanded a validation of my debt from XXXX ( which was never provided ) is not proof or even evidence that the prior history of payments were due or paid to anyone entitled to receive them. And the fact that I received money is not necessarily proof that a loan agreement was created. The payment of money was intended to be an inducement to me to become party to a fictional securitizations scheme about which I knew, and could know, nothing at all. The attempt to retrieve the money paid to me is based upon a plan of reducing the consideration paid me to less than XXXX thus nullifying even the quasi contract that might be construed to exist. I, without knowing it, was paying for the privilege of the securitization players to generate revenue geometrically larger than the amount of the initial payment to me while excluding me from any knowledge or benefits from the scheme. All the benefits of the real transaction flowed to the securitization and collection players while I have to defend a baseless defamatory claim based on false statements to steal from me even a small compensation ( about 8 % of the revenue generated by XXXX from sales of securities ( bets ) based on performance of DATA about my account ) All assumptions and presumptions to the contrary are completely wrong. Sales of securities was the only reason why a payment was made to me and if those reasons were disclosed to me, it is bringing into question whether there was a meeting of the minds to form any contract. I am entitled to equitable relief for entering into a contract based upon terms and conditions that were entirely actively concealed and hence unknown by me when I entered it and actively concealed and continued to be concealed as of today. Conclusion : I demand XXXX XXXX XXXX and lawyer XXXX to provide me and file with the Court a copy of an application where I AGREED to pay ANYTHING to XXXX XXXX XXXX ; highlight the part of this Application where XXXX disclosed to me the REAL nature of my transaction sales of securities based on my personal data ; proof that this application is recorded as an asset on XXXX account receivable ( here is a huge difference between credit card account and credit card account receivable ) where XXXX deposited my payments ; disclose if my application and/or account was securitized by XXXX and transferred to any other parties ; disclose all parties to whom this account was transferred and when it was transferred ; provide me full Title for Mrs. XXXX position with XXXX ; her contract information and how exactly she obtained knowledge about my account. I reserve my rights to demand more disclosures from XXXX and XXXX. Best Regards, XXXX XXXX
03/03/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MO 64155	Web
My situation does not neatly fit your " problem '' categories on the previous page, but it comes close. Blitt and Gaines PC is a collections firm with a self stated revenue of {$10.00} to {$25.00} XXXX per year. In my situation, they were representing FIA Card Services ( successor-in-interest to XXXX XXXX XXXX XXXX ). Unfortunately, the attorneys also take on the Dr. House credo that everyone lies, when it comes to defendants, without considering whether the defendant benefits from the lie. My account manager at the Blitt and Gaines call center was named XXXX. I never knew his last name and hes no longer employed with Blitt and Gaines. The day before court (XX/XX/XXXX ) XXXX offered a payment plan, that would assist me in getting my credit card debt paid off at a price I could handle, and would allow me to present mitigating circumstances to the judge, which would hopefully, lower the total amount owed. However, for reasons only he knows, he then violated FDPCA rules by obfuscating the content of ourXX/XX/XXXX conversation in his notes to Blitt and Gaines attorneys. The result is that I am now, in dire financial circumstances. XXXX gambled, that the attorney would be too lazy to pull the audio file and would assume I was lying. Apparently, he knew the attorneys better than I did. He was right. Back in XX/XX/XXXX, XXXX stated there were only two people with the authority to lower the total amount due : the lead attorney XXXX XXXX or " The Judge ''. Mr . XXXX failed to show for court, XXXX claimed hed request that Mr . XXXX review documents I suggested or contact me. Neither occurred. Therefore, I knew ( according to XXXX directions ), Id have to speak with the judge, in order to show cause for mitigating circumstances. The attorney, who showed up for court onXX/XX/XXXX( instead of Mr . XXXX ), didnt know anything about the payment agreement made onXX/XX/XXXX I didnt know that XXXXXXXX notes were contrary to our actual conversation. Instead, she stated I didnt have a payment plan in place and tried to get me to agree to a higher payment plan. It felt like a cheap car dealership -- bait and switch --. I stood my ground and told her over and over, I already had an agreement solidified the day before and I expected her to honor it. If she still thought I was lying, she needed to pull the audio file from XX/XX/XXXX XXXX lies then caused Blitt and Gaines own attorney, to state a truth by omission in court, despite my insistence, that her information was incorrect. She told the court, I had NOT agreed to a payment plan, even though I had just spent 15 minutes in the hallway, telling her otherwise. I didnt know if I was allowed to interrupt court proceedings and tell his Honor the real truth. The Honorable XXXX XXXX XXXX had been quite cross with me onXX/XX/XXXX ( a point I will come to later ) and I was afraid of him. So, I kept my mouth shut. He ended up politely saying I wasnt truthful on a different matter 15 minutes later, so I believe silence was probably the better choice. Apparently the Dr. House ethos is not exclusively among collection attorneys. The salient points of my payment agreement with Blitt and Gaines were as follows : {$100.00} per month was accepted as the payment amount until the total was paid in full. In the audio, youll also hear XXXX give me the web address to make monthly installments and my customer number. Unfortunately, I typed the customer number onto an online word doc and it disappeared when my laptop lost power. Given the sneaky nature of the collections industry, I also made sure XXXX agreed, whether the Honorable XXXX XXXX XXXX lowered the amount due in court onXX/XX/XXXX or kept the amount due the same, my payment amount would remain {$100.00} per month. This was important to me because I believed I had a very strong case for mitigating circumstances. On XX/XX/XXXX, XXXX made a decision that could best be described as an egregious lack of fiduciary account management. They profited from that action, and ruined my financial future. Prior to XX/XX/XXXX, I had never made a late credit card payment, mortgage payment or any other type of payment. Throughout our conversation, XXXX only hesitation was regarding my appearance in court onXX/XX/XXXX To paraphrase & summarize -- If I was having flight problems, he said I needed to solve them or talk to XXXX XXXX. He said, for example XXXX : Tomorrow is Trial. Thats something we cant help, even if you paid the balance in full today, I couldnt tell you, you needed to show up. And later in the conversation XXXX : Your file number is # # # # # Me : So, if I do make it tomorrow, and if the amount is reduced or whatever ... that's the file number? XXXX : " Yes, online. ... Were all set! '' Me : So {$100.00} per month until its paid whatever the sum amount is '' XXXX : Yes, but I want you to get the specifics from him because I cant give you specifics. I don't know that many of them. Me : " The specifics regarding tomorrows court appearance Right? XXXX : " Right. Correct. I'm not an attorney. '' I left a message on Mr . XXXX voice mail as soon as we disconnected. But, I made it to court on XX/XX/XXXX so, it was a mute point. I told the whole XXXX XXXX XXXX story in court ( albeit, badly ). The Honorable XXXX XXXX XXXX rendered his opinion several days later on behalf of the Plaintiff for the full amount. I asked a neighbor to intercept my mail and look for correspondence from Blitt and Gaines. I assumed there would some type of acknowledgement sent regarding the payment plan. As mentioned above, I had lost my account number and could not make an online payment without it. Then, thirty days afterwards, I saw a Garnishment online. But the garnishment did not state a dollar figure or percentage. And, a garnishment for {$100.00} per month seemed a little extreme. I wondered if it was merely a back-up plan. So, I sent three emails to Blitt and Gaines through their secure server attempting to get my account number. At the time, I was working graveyard shifts and unable to call during the daytime. Blitt and Gaines replied that they were unable to give me my account number by email. I never assumed Blitt and Gaines would breach our agreement. I had been emphatic about the existing payment plan when speaking with the attorney. I also knew, a verbal agreement that is recorded at the consent of both parties, carries the same weight as a signed agreement. I believed the attorney would pull the audio file, not only because it was her job to do so, but because, I had nothing to gain by lying about it. I should mention here that I have worked the same Part Time job for 25 years. I get medical insurance for my husband and myself, the company has made many accommodations for me and its a job I cant afford to lose. With the exception of airfare, travel costs are out of my pocket. XX/XX/XXXX was a terrible year after the XXXX incident. I didnt make any profit and I ended below Federal Poverty Level. XX/XX/XXXX wasnt much better. But XX/XX/XXXX was looking much better and I was able to afford longer stays out-of-town which meant, higher profits. The first garnishment came out mid XXXX. The check reflected several days pay. Blitt and Gaines took {$240.00}. I received a check for {$15.00}. My self delusion at that point was that Blitt and Gaines was still honoring our agreement. I believed Blitt and Gaines had just deducted {$100.00} for XXXX, {$100.00} for XXXX and {$43.00} for half of XXXX. But, with only {$15.00} at hand, there was no way I could work the next two weeks I was scheduled. {$15.00} would only get me a shuttle ride to the airport so I could fly back to XXXX XXXX. I was going to lose two weeks of income and I was {$350.00} in debt to the proprietor of the home I had been staying in. Two weeks later, I received the pay stub for the week I worked before coming back to XXXX XXXX. This is when I discovered that his Honor had approved a garnishment beyond our agreement. Blitt and Gaines took {$220.00} and my pay was {$0.00}. I had told the Honorable XXXX XXXX XXXX in court, that I was caring for a husband with special needs. I hated to say it out loud and make my husbands mental illness part of court records but it was necessary at the moment. Was it not clear that I was head of household in that situation? I dont understand how his Honor could approve a 25 % garnishment! My husband is on Social Security XXXX. Was I supposed to walk around with his medical records? I had no income from XXXX, I was in debt from XXXX. I called my utilities and asked them for leniency. I sold my stovetop on XXXX Marketplace which, gave me a little money to live on through XXXX. But, I could not afford to work in XXXX either. Frankly, I felt paralyzed. It was as if I was getting jammed by BOA all over again. I borrowed money so I could afford to work in XXXX. I made enough to send a few dollars to the gas company and the electrical company. I have not worked in XXXX or XXXX. My water and phone service has been cut off. Theres a large hole in my kitchen countertop where my stovetop used to set and Im cooking on hotplates. It was not until mid-XX/XX/XXXX, that I found out why Blitt and Gaines was in breach of contract. A Blitt and Gaines call center employee named XXXX XXXX read me the notes that XXXX had made regarding our payment plan onXX/XX/XXXX. She said he wrote that we discussed a {$100.00} payment but it needed to be approved. The approved statement was never mentioned. XXXX then transferred me to a Manager named XXXX XXXX who said that XXXX notes read that he offered {$100.00} per month but I turned it down. I told Mr. XXXX, he only needed to listen to the audio file, to hear that was not true. I asked Mr. XXXX if I would have received an acknowledgment of my payment plan under normal circumstances. Mr. XXXX said that Blitt and Gaines does not mail payment plan confirmations to anyone unless the payment plan is court ordered. Mr XXXX then asked why I didnt make a payment online. I told him about the emails, along with B & Gs refusal to give me the account number. Mr. XXXX then said that my payment plan was automatically voided because I did not make a payment within 90 days of the judgment. I told Mr. XXXX the garnishment was supposed to take effect 30 days after the judgment. Without much to say after that, Mr. XXXX said hed review the audio file and get back to me. As is typical with every encounter I have had with this firm, he didnt. I sent him follow-up emails. He never replied. So then came the search for the attorney who actually showed up in court. According to court records, the female attorney was XXXX XXXX. She was one of the three people I had emailed back in XXXX. I found a photo of XXXX in XXXX, she was NOT the attorney I spoke with. The Blitt and Gaines website was no help and neither was the XXXX website. By going through the ladies listed on the XXXX XXXX XXXX website, I was able to find a photo and identify the attorney as XXXX XXXX XXXX. I dont know if it matters but I mentioned above that I would expand on the XX/XX/XXXX incident so, here it is : On XX/XX/XXXX ( the day before the first court date/petition date ). I called XXXX to tell him I couldnt get a nonstop flight into XXXX XXXX by XXXX. XXXX put me on hold. Then, XXXX came back on the phone and said Id been given a continuance for a later date. Really? Blitt and Gaines had tried to serve me fromXX/XX/XXXX to XX/XX/XXXXand court documents clearly read No further continuances shall be granted absent good cause shown ; Therefore, I was highly suspicious that a continuance was granted while I was on hold for 3 minutes. I hung up with XXXX and called the court clerk in XXXX XXXX. The court clerk said I wasnt given a continuance and read the same information I saw online. I called XXXX back immediately to verify the continuance date without telling him, I spoke with the court clerk. To me, this was a clear violation of FDPCA rules. It was a trick to get me to not show up! To get to XXXX XXXX by the morning court time, I flew to several cities and had been awake for more than 24 hours. I found a photo of XXXX XXXX online, so I could recognize him. When my name was called in court, a woman standing in front of the judge said I was told you werent going to be here. I now know, that was Mrs. XXXX. I ignored her and told the judge that Blitt and Gaines tried to trick me into not showing for court and that, I had called the clerk. Honorable XXXX XXXX XXXX, became quite irritated with ME. The Judge told me that his clerk had no business telling me anything. He said the Blitt and Gaines attorney was just about to ask for the continuance which, he would have granted. I looked around the court. XXXX XXXX wasnt there. I asked His Honor how Plaintiffs attorney would ask for a continuance, when Plaintiffs Attorney wasnt there. Mrs. XXXX said she was the Blitt and Gaines attorney. Completely embarrassed, I asked arent I supposed to receive notice if counsel is changed? The Honorable XXXX XXXX XXXX tone became very stern. I dont remember his exact words but the gist was shut up. A court date was set for XX/XX/XXXX. I had the distinct impression that persons in debt, are generally considered a nuisance and should consider themselves lucky to have an audience with his Honor. Whether a continuance would have occurred if I had not shown up, I'll never actually know.
10/31/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 606XX	Web	Servicemember
Debt Validation and Complaint against XXXX XXXX ( subsidiary of XXXX XXXX ) This letter is being sent to you in response to your XX/XX/2020 Debt Collection attempt on the debt I purportedly owe to XXXX XXXX ( formerly the XXXX XXXX XXXX ), which is a part of XXXX XXXX XXXX XXXX who controls XXXX as of today. Only a legal owner of the debt can collect the debt, IF it was the actual debt and IF this debt exists. XXXX XXXX, in its own words to Federal Agency ( SEC ), never was an owner of my Note, while my transaction was with totally different parties and totally different nature that XXXX misrepresent to me. In reality, I was paid for providing financial Services to Big Investment Banks masqueraded as extension of credit by XXXX ( a sham conduit ) to be deceptively drafted into a high-risk securitization scheme operated by XXXX XXXX , XXXX XXXX XXXX, and other large Investment banks, under leadership of Federal Reserve. To the wit, I was paid to issue a Promissory Note which was used by Big Banks as a base of their securitization scheme without any compensation to me or royalties for use of my - plus return the only payment for my financial services if I use it as a credit card. According to current report filed by XXXX, XXXX XXXX XXXX, one of the real parties and the main underwriters for XXXX XXXX XXXX XXXX I, who purportedly issued {$1.00} XXXX shares backed in part by my identity, made about {$10.00} per {$1.00} paid to me for my financial services, which means received at least {$16000.00} as unjust enrichment. None of this was disclosed to me at the time I issued a Promissory Note. According to XXXX, XXXX ( IF it were an owner of my purported debt - must record my Note as an asset on their bookkeeping ledger ; and write off any balances IF they received any extra profit on top of disclosed. According to XXXX XXXX XXXX Prospectus, XXXX XXXX was a Sponsor, Originator of Assets and Servicer ( but not the owner ) Central Index Key Number : XXXX while XXXX XXXX XXXX was a Depositor Central Index Key Number : XXXX into a XXXX XXXX Execution Note Trust, Issuing Entity of the Notes Central Index Key Number : XXXX, XXXX XXXX XXXX XXXX I, Issuing Entity of the Collateral Certificate Central Index Key Number : XXXX, where XXXX and some other Big Banks acted as Underwriters. The Collateral Certificate ( one, for all {$1.00} XXXX ) was issued via book-entry system owned by XXXX XXXX XXXX XXXX XXXX XXXX and assigned to its subsidiary XXXX XXXX XXXX, as the sole Registered Shareholder, through its parent holding company the XXXX XXXX XXXX XXXX XXXX self-regulated companies, as the only beneficiary of the Certificate where XXXX XXXX was a sham conduit sponsor ; originator of assets and servicer but never OWNER of the underlying assets aka my Promissory Note. According to Prospectus ( Form 424B5, filed with SEC ) Delivery : The notes offered by this prospectus will be delivered in book-entry form. Except under limited circumstances, purchasers of notes will not be entitled to have the notes registered in their names and will not be entitled to receive physical delivery of the notes in definitive paper form. In other words, XXXX XXXX, who was a Sponsor, Originator and Servicer, but not the Owner of my Note ( as disclosed in Prospectus ) via its underwriters, XXXX XXXX XXXX, ect. offered INFORMATION about my Note for SALE via book-entry system owned by XXXX and XXXX XXXX XXXX while the entire transaction with me was a camouflaged as a demand to repay my only compensation for financial services to Big Banks who made at least $ XXXX from trading my identity ( aka identity theft ) on the open market. None of real parties or real nature of my transaction was disclosed to me, as well as profits from trading derivatives information about The Certificate held by XXXX XXXX XXXX on the open markets. All without my knowledge or consent, no need to say without any compensation while I am entitled for at leat 20 % of royalities from ALL trades by ALL parties engaged in this transaction. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for. Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; or explain based on which authority you can collect from me. Please provide me a copy of retainer for Blitt & Gaines by their purported client, XXXX XXXX. Please note that only a creditor or a lawful assignee of the creditor can collect a debt. The creditor is by definition the party who claims to own the debt. If they own the debt then they are reporting the debt as an asset receivable on their accounting records. Since investors do NOT buy debts, but merely buy imaginary certificates via XXXX/Cede book entry system, backed by information about the debt, there is no party anywhere that is a creditor. If there is no creditor, there can be no debt, because there is nobody entitled to receive payment. Please explain based on which evidence you concluded that I owe anything to XXXX XXXX and not XXXX XXXX owes to me a part of profits they received from trading my personal data on the open market without my knowledge and consent, no need to say without fair compensation. Based on my estimate, parties who involved in my transaction received at least {$16000.00} revenue by selling my securitized data to investors who are NOT my creditors ; while only returned me {$1600.00} as a one-time payment for issuing a Promissory Note based on which XXXX and other Big Banks ( acting under glimpse of XXXX, who is merely an originator but not the owner of any Notes ) sells their derivatives and other unregulated securities, which XXXX expects me to return them with interest. Please be informed that I demand royalties, no less than 20 %, from ALL sales of profits from securities backed by my name and signature, no less than {$3300.00} owed to me by XXXX XXXX XXXX plus treble damages for fraud plus treble damages for racket via local racketeers with legal licenses XXXX XXXX XXXX, XXXX and their mob member XXXX XXXX. Please provide me evidence if my Promissory Note as Appeared on the Application for the Credit was processed by XXXX XXXX in accordance with XXXX. Was it placed as a receivable to XXXX XXXX account to generate profits? If yes, please state how much profits were generated by using my signature on the Application as an ASSET on XXXX balance sheets. Please explain me how the cash earlier credited is now deposited. Is this a debit to cash and a credit to a bank liability like a checking account or demand deposit account or savings account. Is it treated as a new ASSET on the XXXX balance sheets? Is this new ASSET came from me, as a borrower, thus XXXX owes me a liability related to this new asset? Please provide me the proof where was my Promissory Note ( application to buy a credit card ) recorded byXXXX. Please state if my promissory Note was securitized and sold to investors for cash and how much profits XXXX received by trading on my name, signature and reputation on the open markets. Please send me a document where it said that I allowed XXXX to use my name, signature and reputation to trade on the open market as a security to generate profits ; or to pass my information to any third parties such as XXXX or XXXX XXXX XXXX. XXXX got my Promissory Note/Application for Credit for free and I suspect that is was used as an asset to generate massive profits by trading on my name, which equates to identity theft ; swindling and counterfeiting. I respectfully request to validate for me this debt and provide me adequate assurance that my promissory Note was properly recorded in XXXX bookkeeping ; disclose if my application was used as a guarantee for any trades ; the amount of profits received from trades ; and a copy of the document where these transactions were explained to me and I gave my permission to these trades. Once XXXX provide me a full validation of Debt and Adequate Assurance, I will send you the next payment. This is not a refusal to pay but the request to validate the Debt. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
08/31/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 606XX	Web	Servicemember
Re : Account ending in XXXX. Validation of Debt under FDCPA. Dear CFPB CCXXXX XXXX, Blitt & Gaines and XXXX XXXX XXXX, Please find my complaint and demand to validate my purported debt which XXXX XXXX XXXX try to claim. I am in receipt of Blitt & Gaines ( a predatory lawyers who regularly engaged in illegal collection practices ) Notice regarding an attempt to collect the debt on behalf of a purported creditor XXXX XXXX XXXX, XXXX. regarding {$5400.00} I purportedly owe. Only a creditor who owns a debt or a successor who paid value for the debt has rights to collect. First and foremost, I never had any credit Cards or any other debt with XXXX XXXX XXXX, XXXX. ( XXXX ) who purportedly passed it to XXXX XXXX XXXX as successor in interest. Please provide me full disclosure how XXXX a DE corporation, became my purported creditor and explain XXXX role in my transaction. Please state that XXXX abbreviation stands for. Please provide me documents showing that XXXX is my creditor and the owner of my debt. Please be informed that XXXX XXXX XXXX ( XXXX ) failed to respond to my Debt Validation Request mailed on XX/XX/2019 and XX/XX/2019. This is my third request to validate this Debt for me. Based on recent report from the Senate, XXXX XXXX XXXX is engaged in the wide-crime spree which caused reasonable concerns that XXXX uses my personal information without my consent and for inappropriate use such as unjust enrichment at my detriment. Pursuant to FDCPA I have rights to validate this debt ; and make sure that I pay to the legitimate party who has a legal right collects the debt, not makes huge income after selling data about of my debt in forms of various derivatives which is an identity theft since my application for CREDIT was not my Intent to Issue any securities backed by my name. Moreover, I suspect that my payments could go to a party who is not a creditor but someone else. Please disclose if my debt was a part of a securitization scheme. If it was a securitization scheme, please identify the Issuer for securities backed by my debt ; as well as the names of owners of the debt ( creditors ) who hold Certificates backed by my debt ; and which company/Trust has my debt as an account receivable on their bookkeeping records. Is this the same Company who hired Blitt & Gaines, P.C and pay your legal fees? Please provide me a copy of your retainer Agreement with my creditor who hired your Firm ; and the name and contract information for the responsible Agent who is assigned to handle bookkeeping records for the company who owns my debt. As you may know, securitization is the action of pooling together cash flows from debt and selling it to third parties as securities. In other words, if someone could be an owner of my debt, it must be an investor who purchased a securitiy backed by my debt. The securitization of credit cards became a major part of Big Banks ( like XXXX ) Ponzi Scheme with derivatives where XXXX and other stockbrokers make $ XXXX {$180.00} per {$1.00} loaned to the customer ( aka pay for financial services, to wit : issue of a Promissory Note ). According to XXXX reports on derivatives, XXXX XXXX XXXX makes at least {$72000.00} profits from trading derivatives backed by each credit card debt with {$6000.00} credit limit. If my credit card debt was securitized by XXXX, I am entitled to the 20 % royalties from all trades, which is {$14000.00}. The credit card issuer pledges the accounts and receivables to a master trust. The master trust then sells the securities to investors. The credit card issuer keeps an interest in the master trust. Please identify the Master Trust which keeps my Promissory Note as an asset on their bookkeeping records, under GAAP. Also known as issuance trusts ( IT ), the master note structure backs bonds with a pool of revolving credit card accounts and receivables. As credit card XXXX issuers grow, they often end up with multiple master trusts. When this occurs, the issuers issue a collateral certificate. The collateral certificate enables the owner to have a claim on all the previous master trusts. Please identify all Master Trusts where my debt is securitized as a collateral, with proof of all sales and transfers of my debt ownerships, along with proof of value paid. Please send me a copy of a release of lien from XXXX to XXXX. Is XXXX or XXXX the owner of the collateral certificate backed by my loan? Who sold XXXX and XXXX these certificates? Please provide a proof of value paid for my debt by XXXX and XXXX. If XXXX and/or XXXX are Issuers and Sellers of the securities backed by my debt, please identify names of Certificate Holders. Credit card asset-backed securities have two main periods after the issue. The two periods are the revolving period and the amortization period. Revolving period During the revolving period, investors do not receive principal payments. Instead, investors only receive interest. This enables issuers to use the principal collections to purchase new receivables. This period also lets the issuer finance short term credit card loans by using the principal amounts collected. Amortization period When the amortization period begins, principal collections are used to repay the XXXX investors. Unlike corporate bonds, where principal payment is only made once, at maturity, the principal for credit card XXXX are paid gradually over a period of time. In a controlled amortization, principal payments are paid in equal amounts during the amortization period. On the other hand, in a controlled accumulation, principal payments are deposited into a trust account each month and held till the maturity date. Once again, please identify the legal owners of my debt and which Trust has an account where my credit card payments are deposited each month. Please let me know where the money you lent came from. As the Government mentioned XXXX involvement in money laundering scheme, I want to have an adequate assurance that my credit is coming from a legitimate source. I appreciate an Affidavit from XXXX employee with personal knowledge and experience in accounting and GAAP. Please provide me evidence how my Promissory Note as Appeared on the Application for the Credit was processed by XXXX and XXXX, in accordance with Federal Reserve manual and GAAP. Was it placed as a receivable to XXXX account to generate profits? If yes, please state how much profits were generated by using my signature on the Application as an ASSET on BOA balance sheets where my Promissory Note was recorded as an asset. Now please explain me how the cash earlier credited is now deposited. Is this a debit to cash and a credit to a bank liability like a checking account or demand deposit account or savings account. Is it treated as a new ASSET on the XXXX or XXXX balance sheets? Is this new ASSET came from me, as a borrower, thus XXXX owes me a liability related to this new asset? Please provide me the proof where was my Promissory Note ( application to buy a credit card ) recorded byXXXX. It should be in XXXX loan accounts. Please send me a document where it said that I allowed XXXX or XXXX to use my name, signature and reputation to trade on the open market as a security to generate profits for XXXX. XXXX got my Promissory Note/Application for Credit for free and I suspect that is was used as an asset to generate massive profits by trading on my name, which equates to identity theft ; swindling and counterfeiting. I respectfully request to validate for me this debt and provide me adequate assurance that my promissory Note was properly recorded in XXXX bookkeeping ; disclose if my application was used as a guarantee for any trades ; the amount of profits received from trades ; and a copy of the document where these transactions were explained to me and I gave my permission to these trades. Once BOA provide me a full validation of Debt and Adequate Assurance, I will send you the next payment. This is not a refusal to pay but the request to validate the Debt and Letter for Adequate Assurance. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Violations of RICO Act Violations of Hobbs Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely XXXX XXXX
09/17/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 606XX	Web
Re : Account ending in XXXX. Validation of Debt under FDCPA. Dear CFPB, XXXX XXXX, Blitt & Gaines and XXXX XXXX XXXX, ( cc : IL Attorney Disciplinary Commission ) Please find my complaint against illegal collection practices by lawyer XXXX who failed to validate me " debt '' I purportely " owe '' to XXXX XXXX XXXX ; and sent me evasive and misleading inforation, which under IL law is equal to failure to respond. I am in receipt of lawyer XXXX XX/XX/XXXX evasive and incomplete respond to my inquiry where XXXX XXXX XXXX ( XXXX ) and lawyer XXXX refused to answer ANY of my direct questions and merely provided me a pile of bills which I suppose to believe are printed from XXXX XXXX XXXX LEDGER where my Promissory Note is registered as an Asset receivable ; and the following answers : ( 1 ) the creditor is XXXX XXXX XXXX ; ( 2 ) the account was opened on XX/XX/XXXX ; ( 3 ) current balance is {$5400.00}. First, lawyer XXXX failed to explain XXXX XXXX XXXX, XXXX. involvement in my loan, to whom XXXX is a successor in interest. I never had any loans with XXXX XXXX XXXX, XXXX and never received any Notices that XXXX successed them in any interest in my account. Second, please provide me the name of Blitt & Gaines client who hired their firm to collect from me. Was it XXXX XXXX XXXX, XXXX, or XXXX XXXX XXXX or someone else who send Blitt & Ganes referrals via emails or XXXX XXXX or XXXX? Please provide me a copy of the Blitt & Gaines Retainer Agreement with XXXX XXXX XXXX. Second, lawyer XXXX failed to provide me a copy of my Promissory Note with the proof that is was registered on XXXX XXXX XXXX or any other Companys ledger as an asset and account receivable, as required by GAAP. XXXX or someone else purchased from me the promissory note to the bank that funded the loan back to me ( aka paid me for issuing this security for {$6000.00} ) The loan from you to the bank is the deposit of the promissory note. GAAP requires that the bank " match '' a new bank liability with my name on it showing that the bank owes me for the deposit they accepted from me just like they do when I deposit cash into my checking account. The formcontract- says that the bank lent me money, but the substancebookkeeping entriessay that the bank accepted your promissory note as new money as a deposit just like depositing cash into your checking account. My signature can not testify that the bank lent me the bank 's money to purchase my promissory note, but the bookkeeping entries prove that they lent no money to purchase my promissory note. This is that simple. XXXX XXXX and XXXX pretended that they did not see my request and failed to respond. I demand lawyer XXXX and XXXX XXXX XXXX to provide me the copy of my Note, proof of its registration on XXXX account receivable ; and a contact person at XXXX who is responsible for bookkeeping activities related to my account. Second, I asked if my Promissory Note was a subject of securitzation ( which apply to about 100 % of all Promissory Notes ). And if the answer is yes, which Trust has my Promissory Note as their asset. Lawyer XXXX and XXXX pretended they did not hear my question ( which I asked already SEVERAL times ) and refused to answer. I demand a direct respond was my Promissory Note used in a securitization and which Trust or any other company has my Note as their asset on accounts receivable. Please provide me the name of the Trust ; proof of purchase or other compensation received in exchange for my Note ; and who is the responsible party for this Trust accounting ledger. Please provide me contact information for this person. The bank claims that the form says that the bank funded the loan and should be repaid the money but the bookkeeping entries prove the opposite. Did the agreement say that the bank was to steal the promissory note, alter it to become money, and then return the stolen money as a loan or did the bank use their money to purchase the promissory note from me without the economics similar to stealing and counterfeiting and swindling? According to OCC Report on XXXX, XXXX XXXX XXXX ( who claims to be my creditor ) made at least {$12.00} per {$1.00} of assets they have. Which means that IF XXXX XXXX XXXX has my Promissory Note as an asset ( which they must prove first ), they traded my identity and information about my Note for at least 12 times more, which is {$70000.00}. I never gave my consent to be a part of XXXX XXXX XXXX junk securitization ; and never received any compensation for my forced participation in XXXX XXXX XXXX trades. Thus, if XXXX XXXX XXXX received my Promissory Note for free ( {$6000.00} ) plus {$70000.00} in profits by trading my data with help from XXXX XXXX/XXXX ( who forge Promissory Notes for Big Banks via their MSP/VendorScape ), the total amount of unjust enrichment to XXXX is at least {$76000.00}. Which is minus {$5400.00} leave it {$14000.00} XXXX XXXX XXXX owes me as 20 % royalties from trades. Lastly, only a creditor who owns a debt or a successor who paid value for the debt has rights to collect. when the investment bank collects the money from investors, it wipes out the loans used to fund homeowner transactions, and pockets the balance. I.E. THERE IS NO LOAN RECEIVABLE BALANCE BUT THE BORROWER DOES NOT KNOW THAT. There is no loan account on the books of any person or company or trust that shows any borrowers transaction as an asset receivable. And because no borrower received any information regarding how this was done, they start making payments as directed by people who have no authority to direct anything. The money collected is through a network of lockbox arrangements, like the one in XXXX TX post office. Once XXXX provide me a full validation of Debt and Adequate Assurance, I will send you the next payment. This is not a refusal to pay but the request to validate the Debt and Letter for Adequate Assurance. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Violations of RICO Act Violations of Hobbs ActDefamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely XXXX XXXX
03/16/2018	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 616XX	Web
Blitt and Gaines is harassing me for a debt that is not mine. I have disputed this with them and they sent a response back filled with lies. I am rejecting their response because it contains lies and does not contain 100 % truth. Thank you for responding XXXX. Your company did send me 3 letters for 3 different alleged accounts dated : XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. The importance of these will come into play shortly. 2 of your dates are correct, 1 is not. I have all the original letters. The original letter I received addressed me as, " Dear Sir or Madam ''. Your company threatened to sue and get a judgement against me. I disputed these 3 accounts with your company within the first 30 days of receipt. In my first letter I sent to your company I stated " I believe this may be a result of Identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. I conditionally agree to pay this debt if it turns out to be mine. '' Your client XXXX XXXX XXXX has been known to sue the wrong people. ( XXXX XXXX vs XXXX ). XXXX won a six figure judgement from XXXX XXXX for not properly investigating her disputes. She had to hire a lawyer who discovered the account belong to someone with a similar name. Because XXXX has a history of not investigating consumer disputes, The Consumer Financial Protection Bureau signed a consent order against them in XXXX, requiring them to provide a Authentic Bill of Sale, with a specific reference to the alleged consumers account. The one I have been provided is generic and contains no specific reference. You claim your company has provided me verification. I have never received any proof your company or XXXX XXXX owns this debt and that this debt is mine. I have requested a Chain of Title, Assignment, Consideration for the assignment, A signed Contract, Bill of sale which references me. I have received zero of these items. If I was claiming you owed me money, and you had no knowledge of the debt, wouldn't you want proof as well? These items are required in the court of law and in the Illinois Collection Agency Act. You call this a laundry list?? Please explain. I did receive a handful of photo copied statements and terms to a contract with no signature on it. Who do the terms belong to? For the statements I requested signed merchant receipts or proof I used this card or had any knowledge of these accounts. I have received nothing. After I sent my first Letter to your company, the 2nd letter you sent back on XX/XX/XXXX says, " Dear Sir or Madam ''. That right there lets me know that know one has looked into my disputes. For your opening remarks on your response to this complaint. You state " As support XXXX XXXX alleges that XXXX XXXX is not reporting the accounts on his credit report and that XXXX XXXX has an internal policy which only allows for 2 credit cards per consumer. '' You are correct. XXXX XXXX is not listing these 3 alleged accounts on my credit report. If they were on there, you would have provided proof of such. Negative information stays on one 's credit for 7 years. That is a fact. And XXXX XXXX does have a policy of limiting consumers to 2 directly issued cards. They have had that policy since XXXX. Which I sent you proof of that claim. You never mention if you called XXXX XXXX and verified or disproved me?? You never mention if these alleged 3 accounts are on my credit reports by XXXX XXXX? I have proof they are not. Can you provide proof of your claims? I have no records of these accounts, nor do the 3 major Credit Bureau 's. Your company hasn't provided me any proper documentation on your alleged claims. As far as your licensing requirements, you are not acting as a Law Firm in XXXX County, IL. Many other markets as well. Please provide me 1 case your firm as taken in this county that doesn't involve debt collection. I have documented evidence your company turns down jobs here if they are not debt collection related. And your web site states you practice that area of law. You are a 100 % a debt collection agency. You state that the letter you received from me on XX/XX/XXXX, was now stating I was alleging identity theft. You are being dishonest XXXX. My first letter and 2nd letter both state that I have no knowledge of these accounts and " I believe this may be a result of Identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. My 2nd letter also states that I will conditionally agree to pay this debt, if it turns out to be mine. You did send me a fraud investigation form. And in my 3rd letter to you I told your company, " until you provide me with documentation of your claims. I would have no way of knowing if this is an error, similar name issue, or identity theft. I would be more than happy to fill out any forms you need. But I need proof these are my accounts, that XXXX owns this alleged debt, and I need to see if someone has forged my signature. Or if you have the wrong person etc. I don't appreciate the picture you are trying to paint of this matter. I have everything documented and can back up 100 % of what I say. Your company and XXXX XXXX do have multiple violations against you. That is a true statement. You stated that I wrote to your company saying the alleged accounts are invalid for collection. I have never once said that. I have never used the word rendered, rendering, or stated invalid for collection. Please provide me proof of this letter? I have copies of what I sent your company, and emailed Identical copies the same day. So if a situation like this presented itself, I would be able to show the truth. You further state, I am now claiming Identity theft. Read my first letter. It states that exact same thing as my 2nd and 3rd letter. Nothing has changed. Please provide me proof of your claims on this statement? Finally you state this account is on hold pending a resolution of the allegations. If you have already verified theses alleged accounts like you claim, why would this lawsuit be put on hold?? That does not make sense. My 4th and final written letter to your company and to XXXX XXXX states '' I would like you to move forward with your threats of a lawsuit/judgement. I request that you file suit on or before XX/XX/XXXX. Otherwise I will conclude that you have threatened a lawsuit and you weren't capable of following thru. And if you do file suit and it is dismissed by you after my request for Production and subpoena 's. Or it is dismissed for failure to adhere to the Illinois Collection Agency Act. I will conclude you had no intention to prove this debt if I contested it. '' I never said this debt was un-collectable, I never changed my statement to later add Identity theft. Your company has violated the FDCPA laws. That is a fact. XXXX XXXX has violated a consent order from the CFPB. That is a fact. Your company and XXXX XXXX have been notified of your harassment abuse towards me. After my 4th and final written letter to both companies, I received letters from XXXX XXXX from XXXX XXXX thru XX/XX/XXXX. Over a course of 4 days. I received 21 letters from them. With many of them duplicates of each other and all of them generic responses that I have already received in the past. Out of the 21 letters there was not 1 unique letter or new piece of evidence provided to me. ( I previously stated it was 19 letters, I found 2 other letters in between a folder. I have probably around 80 total letters, and I apologize for stating 19. It is 21 letters from XXXX XXXX over a course of 4 days. And XXXX, your company did send me a letter on my birthday, XXXX XXXX threatening to sue and get a judgement against me. I realize they were sent with the intent to annoy, abuse, and harass me. You have destroyed my credit, given me intentional infliction of emotional XXXX, defamation of character, slander, economic loss, panic attacks, XXXX XXXX XXXX, inability to sleep well at night, reduced work performance, and I have suffered humiliation. I want your company to move forward with your threats of a lawsuit. You do not have the option of putting this on hold. You can't just now begin to investigate my disputes. It is too late for that. Too much damage has been done. Sincerely, XXXX XXXX
11/01/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 606XX	Web	Servicemember
Dear CFPB, Please find my complaint against XXXX XXXX XXXX and Blitt & Gaines PC. for illegal collection of debt I do not owe, specially to XXXX XXXX XXXX, racket, unjust enrichment, lies to Federal Authorities, Ponzi Scheme and other crimes. On or about XX/XX/XXXX Blitt & Gaines submitted me a partial respond to my Debt Validation request - such as copies of monthly statements which are purportedly belong to their purported client, XXXX XXXX XXXX. I demanded additional validation, in particular to provide me a copy of Retainer agreement for Blitt & Gaines from XXXX XXXX XXXX ; copy of my WRITTEN agreement where I agree to pay any debt to XXXX XXXX XXXX ; proof that my WRITTEN Agreement is properly recorded with XXXX XXXX XXXX as an asset on their accounting ledger ; and validate that this was an actual debt and not the payment to me for participation in XXXX XXXX XXXX Ponzi scheme with derivatives operated by XXXX ( member of Federal Reserve ) and their co-conspirators, XXXX XXXX XXXX and XXXX XXXX XXXX. I also specifically requested to verify which method used XXXX XXXX XXXX to hire Blitt & Gaines lawyers ; and how they communicate. If this communication is conducted via cloud server or any other website, please identify the website or a web platform. Blitt and Gaines refused to provide me requested information and resorted to evasive statements that Blitt & Gaines was retained by XXXX XXXX XXXX to collect this debt - while XXXX XXXX XXXX never confirmed this retention ; and here is no single document in support to Blitt and Gaines statement that they are retained by XXXX XXXX XXXX. Evasive and incomplete respond under IL and Federal law is not a respond at all. Blitt and Gaines submitted false statements that their records indicate that on XX/XX/XXXX Ms. XXXX opened a credit card account with XXXX XXXX XXXX XXXX First, the ACCOUNT referred by Blitt & Gaines was a concealed agreement with me to perform financial services aka issue Promissory Note which will be used by Federal Reserve ( where XXXX is a member ) 's member XXXX XXXX XXXX to issue derivatives where the sole beneficiary is XXXX XXXX XXXX, via book entry system which they sell to investors for at least 12 times more than the payment given to me for SERVICES. Blitt & Gaines confirmed that Prior to our representation ( without any proof of such representation ), XXXX XXXX XXXX received two validation requests from Ms. XXXX. On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX sent MsXXXX XXXX validation of the account as evidenced in the attached documentation. XXXX XXXX XXXX NEVER answered my demand to VALIDATE the debt ; and never responded how my SIGNED application was handled by XXXX XXXX XXXX, as well as a proof that this WRITTEN document was recorded as an asset on XXXX XXXX XXXX ledger. On XX/XX/XXXX our office sent MsXXXX XXXX our initial communication indicating our representation and providing the required information pursuant to the Fair Debt Collection Practices Act. Once again, Blitt & Gaines only VERBALLY indicated their retainer with XXXX XXXX XXXX. Blitt & Gaines can claim that they are retained by Santa Claus, I need to see the actual PROOF of retainer and the name of the person at XXXX XXXX XXXX who is responsible for communication with Blitt and Gaines and who handles BOA accounts receivable. None of it was provided. This complaint is the only communication we have received from Ms. XXXX. In response, our office mailed verification of the account as requested, which included fourteen months of billing statements evidencing the balance on the account. Blitt & Gaines again resorted to evasive and incomplete respond. I did not asked to provide me evidence of a balance, I need evidence of the ACTUAL account as recorded in XXXX XXXX XXXX ledger, pursuant to GAAP. Evasive and incomplete respond is not the respond at all, under IL and Federal laws. Blitt & gaines further lied to Federal authority that a credit Card is an unwritten Agreement. IF they were lawyers and not racketeers, they must be familiar with IL law which states that ( 815 ILCS 160/2 ) ( from Ch. 17, par. 7102 ) Sec. 2. Credit agreements to be in writing. A debtor may not maintain an action on or in any way related to a credit agreement unless the credit agreement is in writing, expresses an agreement or commitment to lend money or extend credit or delay or forbear repayment of money, sets forth the relevant terms and conditions, and is signed by the creditor and the debtor. In other words, Blitt and Gaines falsely claimed that a credit card is an unwritten agreement. XXXX and XXXX NEVER responded to my question about securitization of my personal information by ANYONE, but particularly by XXXX XXXX XXXX who just recently was sued Over Credit Card Debt when Customers file a class action lawsuit over banks credit card debt collection. The suit alleges that BoA sued customers for unpaid credit card debt on debts that were securitized. These debts were sold, assigned, or transferred to a trust via credit card securitization, a financial move that resulted in BoA relinquishing its debt obligation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX was brought by XXXX XXXX XXXX and was filed on XX/XX/XXXX in XXXX Eastern District. The case alleges that BoA violated the Pennsylvania Fair Credit Extension Uniformity Act and the Fair Debt Collection Practices Act. It requests BoA pay punitive, actual, treble, and statutory damages along with injunctive and declaratory relief, attorneys fees, the costs of suits, and other relief. If XXXX XXXX XXXX and Blitt & Gaines will continue its illegal practices ( aka racket ) and refuse to provide me royalties from trades conducted by XXXX XXXX XXXX and other undisclosed parties ( particularly XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX ), ect - I will not hesitate to move for legal protection via a major Class Action for racket, identity theft and unjust enrichment Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX
06/02/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MO 63033	Web	Older American
At XXXX . On Wednesday, XX/XX/XXXX , I received a phone call from XXXX of XXXX XXXX XXXX , my bank XXXX , informing me that they received a Gsrnishment, Casd Number XXXX , on my account. XXXX also said my account was frozen, not to draw on it and to come in on Thursday, XX/XX/XXXX , and speak with XXXX who was n't working on the XXXX . She also asked if I was familiar with XXXX and I said no. On Thursday, XX/XX/XXXX I visited my bank and spoke to XXXX . XXXX asked me if I was familiar with XXXX and I said no wherein she then asked if XXXX was familiar and I said yes and if I could see the Garnishment. And in a quick review, I told XXXX that this looked like a matter in which I have paid on for more than three years. In that I was n't served a copy, XXXX made me a copy of the Garnishment. I asked XXXX how much of my funds was at risk and she said {$2400.00}. And I replied indicating that they were limited in what they could take. But assured me that they could get the total Garnished amount. Once home my review verified that this indeed was an account that I 'd paid, check # XXXX {$25.00} dated XX/XX/XXXX , on since XXXX , XXXX . And my last payment, ckeck # XXXX {$25.00} dated XX/XX/XXXX . These checks were all issued to XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , MO XXXX : XXXX , Fax XXXX . On XX/XX/XXXX , I phoned the XXXX XXXX XXXX seeking a deferment of payments XXXX through XXXX , resuming payments XX/XX/XXXX . However to my surprise, I was informed that Blitt And Gaines, XXXX XXXX XXXX , XXXX , IL XXXX : XXXX . I phoned Blitt And Gaines and spoke with XXXX XXXX at XXXX . Friday, XX/XX/XXXX . After I identified myself and account and that I needed help with this account. She explained that it was costing me $ XXXX interest and told me that XXXX , extension XXXX , had responsibility for my account XXXX formerly XXXX with XXXX . XXXX said XXXX was n't in and that she would give XXXX my message to include to call me. In that XXXX did n't call me on Monday, XX/XX/XXXX , I called him the next day, XX/XX/XXXX at XXXX . and left him message reiterating my purpose and asking him to call me. He called me back at XXXX . XXXX reluctantly agreed to defer my {$25.00} payment XXXX through XXXX with my next payment due XX/XX/XXXX . In his persistence, he asked if I could pay {$10.00} per month. I said no but I would $ XXXX effective XX/XX/XXXX and he said that he 'd call me back in 2-3 months to see how things were going.. So naturally learning of this Garnishment, I immediately called Blitt And Gaines a phone call on Thursday, XX/XX/XXXX XXXX . XXXX answered the phone and I told her that I was getting no opportunity to leave a message for XXXX st e xtension XXXX . XXXX the informed me that XXXX was no longer with Blitt And Gaines and that she would transfer me to XXXX XXXX , extension XXXX . After I explained that they had Garnished my bank account even though I had secured a deferral of my payments XXXX through XXXX with resumption of payment effective XX/XX/XXXX . XXXX insisted that XXXX 's notes did n't confirm my account of agreed deferral and that the Garnishment must go forward. However he reluctantly said that he would listen to myo XX/XX/XXXX phone conversation with XXXX for such deferral agreement and would call me back. XXXX , when asked, gave me his phone extension, XXXX , and XXXX 's, XXXX who responsible for my account. After not getting a call back from XXXX , I phoned them back on Monday, XX/XX/XXXX at XXXX p.m. seeking their finding verification of deferral agreement listening to recording. I phoned XXXX who initially said that XXXX had 'd spoke to him about our XX/XX/XXXX phone conversation. He did n't know anything about my account or prior phone conversations but maintained that the recording did n't reveal deferral agreement. I then asked if I could speak to a manager and he said I could speak to his supervisor. After a brief hold XXXX XXXX came to the phone stating that he was the supervisor and that the XX/XX/XXXX recording failed to verify deferral agreement and that the Garnishment stands. It is also worth noting that I just received Garnishment copy from Blitt And Gaines XX/XX/XXXX . Does n't seem legal or JUST.
07/11/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 625XX	Web
This is in regards to XXXX XXXX, XXXX/Blitt & Gaines. I had a previous case with them, that was dropped on XX/XX/2020, after I complained to the Illinois Attorney General 's Office, & within three weeks ' time - the beginning of XX/XX/2020 - I received another letter from XXXX/Blitt claiming a different debt. I requested documentation for proof of debt & proof that they were, in fact, authorized to collect the alleged debt. While waiting for that documentation, I received a 2nd letter at the beginning of XX/XX/2020, claiming still another debt owed. Once again, I requested documentation for proof of debt. After a month went by, I called B & G to find out where the requested documentation was. I was told, at that time, that documents for both cases would be forthcoming. I waited another month, & no documentation arrived. I called a total of 5 times requesting documentation, each time asking it be sent certified mail for proof. No documentation was ever received. The last time I called was XX/XX/XXXX, & I was told by XXXX XXXX at B & G that documentation would be sent. In the meantime, on XX/XX/XXXX, I received a summons. XXXX was listed as the filing attorney. When I had spoken with him on the XXXX, he made no mention of filing suit, & instead told me that he would be sending out the documentation, knowing full well, at that time, that suit had been filed by him that day. Upon receipt of the summons, I immediately called B & G, & the person I spoke with told me that the requests I had made were " not worded correctly, '' & that I didn't " use the proper terminology. '' When I asked that the case be delayed/dropped until I receive the appropriate documentation, I was told that I " better show up to court, '' & I " will receive the documentation at that time. '' I then said I am requesting arbitration or mediation, & I was told that was not an option. However, I am well aware that it is, in fact, an option. Then on XX/XX/XXXX, I received a phone call from my bank stating that someone had attempted to access information regarding my bank account, but they were unable to, as I have security measures in place for just such an intrusion. I called B & G to tell them that they were way out of bounds for calling my bank, & both people I spoke with denied that B & Gwere the ones who had attempted to access the information. On that same call, the rep let it slip that they may attempt to come after me with another case, but she caught herself before I could get any more information from her. In addition, on XX/XX/XXXX, I checked my credit, & found that XXXXB & G reported a judgment to the credit bureaus, even though the last case they brought against me was dropped & no judgment was placed. As of today, XX/XX/2020, I have yet to receive proof of debt or proof that they are authorized to collect the alleged debt. My attempt to exercise my right to arbitration or mediation, if need be, has been ignored. Each time I have advised the reps at B & G that I wished to record the calls, I have been threatened to be hung up on or just hung up on. Obviously, they don't want me to be able to defend myself with proof of the multiple requests for proof of debt and arbitration/mediation requests I have made or to use anything they might say against them. Clearly, this firm is trying to overwhelm, harass & threaten me because of the fact they had to drop the previous case. I am currently out of work due to COVID, & they are causing me great distress. This is mental abuse, at this point, & judging by the comment of the last rep I spoke with, they do not intend to stop. They are as shady as they come, and they obviously prey on people who can not afford an attorney, & they try to bully them into paying debt that is not owed by threatening them with legal action, or in my case, filing a lawsuit without the proper verification of debt or option of arbitration or mediation, if necessary. This is the exact same MO they used in the last case, i.e., they didn't send proof of debt, then tried to sue me. XXXX XXXX Blitt & Gaines are predators, & they should be investigated & sanctioned for their unscrupulous business practices. I hope you will take the appropriate action against this firm. Thank you.
03/16/2018	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 616XX	Web
Blitt and Gaines has attempted to collect a debt that doesn't belong to me. One of the partners XXXX XXXX, has continued to lie, make false statements, and representations. And lying to a 3rd party is a violation of the Illinois Rules of Professional Conduct. I am attaching proof of my statements and can back up 100 % of what I say and state. Blitt and Gaines is claiming I have 3 XXXX XXXX accounts that have been assigned to them. They have failed to provide me a chain of title and authentic bill of sale with a specific reference. Which is a requirement for their client ( XXXX XXXX XXXX ). The 2015 consent order from the CFPB demands it. Furthermore the Illinois Collection Agency Act states that they must provide me a signed contract, an assignment, and the consideration for the assignment. I have received none of these items after multiple attempts. I responded to their first letter within the first 30 days. And I have sent a total of 4 written letters to them. XXXX XXXX keeps claiming she has sent me proof. Please attach the above items when you respond to this email XXXX. I have proof in my letters that I have received none of these items. I did receive a phony Bill of Sale. It was generic with the price ( whited out ) and no specific reference to me or the alleged accounts. I received terms to a contract, without the contract and without a signature. I have no idea what I am supposed to do with that. And they sent me a handful of photo copied statements. I asked for signed merchant receipts, or proof I used this card, or had knowledge of this card. They have provided me nothing. XXXX XXXX states in their letter they will provide a chain of title if asked. I have asked, and I haven't received one. XXXX also states that her firm has never threatened me with a Judgement. I will include the letters the prove my claims. She keeps asking me to fill out a identity theft affidavit. I would be more than happy to, if I knew for sure that was the case. I think they have the wrong person or its an error on their part. If it was 100 % identity theft, XXXX XXXX would be listing these accounts on my credit report. That is not the case. And XXXX XXXX has a policy of 2 cards per consumer for directly issued credit cards thru them. Blitt and Gaines is claiming 3. Which is impossible. I have stated this multiple times. Until I am provided the above documentation. I would have no idea whether this is identity theft, similar name issue, or someone using my info as a co-signer, or it's just a result in error. If I am provided with proof XXXX XXXX owns this debt and proof this debt is mine. I would be happy to fill out any paper work necessary. Blitt and Gaines has turned my world upside down and harassed me for 3 months. They have threatened a Judgement against me, and I have asked that they move forward with it. So I can settle this matter in court and move on with my life. Now they are claiming that the accounts are on hold and they are investigating them. They had 30 days to investigate the accounts. Its been 3 months. Even if they delete this account and verify that my claims are correct. I will still be taking them to federal court. XXXX, it would be best if you start telling the truth from here on out. If you or XXXX XXXX have any questions. Do not hesitate to call. I will be seeing both of you soon. I am moving forward regardless of what you decide to do. I wrote to your company multiple times as a Gentleman, without posting negatives reviews, or reporting you to any agencies. When you refused to investigate, I had to report you. I have exhausted all avenues now, and this letter today is just a formality and the only option left is court. I have tried to resolve this multiple times and have given you proof of my claims. Kind regards, XXXX XXXX p.s. The signature on one of the forms I am attaching is not my official signature. I just initialed, so no one can forge my signature on any documents. Also Blitt and Gaines and XXXX have nothing with my signature on it. If they did, they would have provided it already, and they would not have put the accounts on hold.
05/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 606XX	Web
Complaint against XXXX and Blitt & Gaines, P.C. Dear CFPB, Please find my Complaint against XXXX and Blitt & Gaines, P.C. for violation of CFPB rules ; FDCPA, FCRA, RICO, Hobbs Act and other crimes. In XX/XX/2019 I replied to an offer to purchase a credit card loan with XXXX. I sent my application to the address provided in the application and was confident that I received a credit card loan, account ending XXXX. I later learned that my transaction was not a loan but a payment to me for performing financial services, to wit - issue a security called Promissory Note which was used by undisclosed to me XXXX Bank in their speculative securitization scheme which would not exist without my participation as an Issuer and an Investor in this scheme. I also learned that that the process of what XXXX XXXX banks call Securitization is actually a securities scheme that extinguishes the debt account entirely. It is a business scheme that bars the counterparty customer like myself from any profit or revenue and requires them to accept, without knowledge or consent, concealed risks and losses that often do not appear until years later. XXXX XXXX convinced customers, including myself, that the substance of securitization meant the creation of a loan transaction and then the sale of that loan transaction and the financial expectancy of payment to multiple investors. But the securities brokerage firms never intended any of that. They had to be convincing or else the plan wouldnt work. The real plan called for selling the Loan over and over again by giving attributes of the transaction different names. So in the end, if they paid a commission to me {$2000.00} to me masqueraded as credit card loan, they would sell it for at least {$250000.00}. It is by suppressing the truth about the transactions that the XXXX XXXX investment banks and securities brokers make all their money. The payment to me under such circumstances was not a loan. It was partial compensation for unknowingly providing valuable financial services, without my knowledge and consent ; and accepting concealed risks and losses. To add insult to injury, I was required to pay back the partial compensation payment I received only because I was fraudulently induced to think I was entering into a loan transaction. But at the end of the day, there is no lender, no creditor, and no loan account. I got cheated out of compensation that I was entitled to receive but could not bargain for because I knew nothing about the true nature of the transaction. Neither the broker nor any investor maintains a loan account receivable. I many times asked XXXX if my transaction was a subject to securitization ; demanded to validate this Debt under FDCPA ; and provide me a copy of my signed promise to pay XXXX, as recorded on XXXX general lendger ( required by XXXX ) and a copy of this ledger, along with the name of the accountant or bookkeeper who is responsible for this ledger. XXXX never responded to my demands for disclosures and sent me a robo-signed letter from someones XXXX company employee XXXX XXXX. ( likely a fictitious name ) who told me that XXXX sent me Form 1099C ( which I never received from them ) since I purportedly owe XXXX {$1600.00}, which is a lie. Only legal owner of alleged debt can file any documents with IRS claiming unpaid debt. XXXX never provided ANY proof that they are owners of my alleged debt and continue to stonewall all my questions about existence and ownership of my alleged debt supported by documents. Moreover, someone acting under name of XXXX hired XXXXlitt & Gaines P.C. lawyers to file a frivolous collection case ( which is currently sitting in the XXXX XXXX XXXX ) while neither XXXX or Blitt & Gaines never validated this alleged debt to me. All that XXXX and Blitt & Gaines sent to me are billing statements printed by some undisclosed to me XXXX company from someone's data center. Billing statements are not evidence of anyone 's debt, specially when they are coming from undisclosed sources.
05/01/2015	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted me instead of my attorney	IL 61604	Web
Starting XXXX XXXX I filed Chapter XXXX bankruptcy for reasons of too many bills and not enough money coming in. In the bankruptcy was my private student loan through XXXX XXXX XXXX XXXX By the bankruptcy laws of XXXX, the loan can not be discharged through the process anymore. On the other hand, the loan is suspended for the duration of the bankruptcy agreement which means I do not have to pay any money towards the student loan with no consequences. After my bankruptcy is discharged, the repayment of the loan is started again. Now I was discharged XXXX of XXXX. In late XXXX of XXXX I was contacted by a company called XXXX XXXX XXXX . The company is a debt collection agency representing XXXX XXXX XXXX. XXXX they did n't offer to prove that the loan is mine and if the amount that they claim that I owe is even correct. We did though come to an agreement for me to pay XXXX XXXX and XXXX dollars every other Friday, which means in a years time I would be one month ahead of scheduled payments. On XXXX/XXXX/XXXX I made the XXXX full payment of XXXX dollars. XXXX weeks later on XXXX/XXXX/XXXX the XXXX dollars every other week started. I made every payment that they wanted me to make with no issues. On XXXX/XXXX/XXXX was the last payment that they would take from me. Approximately a week later a company called Blitt and Gaines PC Contacts me, wanting me to start voluntarily start paying on my XXXX XXXX XXXX XXXX. I told them that I am already repaying my loan with another company ( XXXX XXXX XXXX ). After they contacted me, I turned around and contacted XXXX system. They told me everything is fine and im still on schedule to keep making scheduled payments every other week. After that was all said and done I did n't think anything of the situation. XXXX weeks and went by and it was XXXX/XXXX/XXXX. I checked my account to see if the payment of XXXX dollars has been withdrew from my account. It turns out that the payment was not taken from me. I look closer and find that two weeks before this time on XXXX/XXXX/XXXX that the payment was n't accepted then either. I contact XXXX systems to find out why the payment was n't received. They tell me that the account has been closed and I have to call this particular number. I call the number which is for the national collegiate trust people. XXXX now tells me that I have to contact Blitt and Gaines Law firm. I contacted them and now they wanted me to pay more a month that was already agreed upon with the other Company XXXX. I told them that I could n't afford the payment of XXXX dollars a month. It was already hard enough to pay XXXX dollars a month as it was. Through all of this not once have I received any kind of paper work or any information of why the account has changed hands especially since there was an original agreement with the original company to repay the loan at XXXX every other week until paid in full at 4 % interest. I do n't even know if Blitt and Gaines or XXXX system inc is even a reputable company but they are expecting me to give them a lot of money without prove of any kind that the amount is correct or not and if it even is my loan. I also have obtained a lawyer to handle all of my issues with this debt collection. They have not once responded to his request for information. They do on the other hand keep contacting me instead of him which I know is a violation of my rights. Since this has started with the changing of people they have put a collections on my credit report in which it is causing me financial ruin especially since the reason of bankruptcy is to get back on track with my finances and my credit report. As of right now Im back where I started XXXX years ago. My agreement of repayment has been changed unlawfully without my knowledge. They also want a higher settlement when I owe less money
12/15/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	KS 676XX	Web
Notice of Irrevocable Estoppel by Acquiescence NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Account/Credit Card/Reference Number : XXXX Blitt and Gaines P.C. in his private capacity With reference to the letters dated XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23. 3. Proof of Claim that BLITT AND GAINES P.C. has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency. I hereby serve Notice that failure to provide Proof of Claim by BLITT AND GAINES P.C., has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring BLITT AND GAINES P.C. from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of BLITT AND GAINESs agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further. 6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter you will have broken our lawfully binding agreement and you agree to pay the following fee schedule. Fee Schedule Any further invalid claims against XXXX XXXX and/or attempting to contact the Authorized Representative by mail, mobile phone and/or telephone, or otherwise, will constitute the agreement of BLITT AND GAINES P.C. to the following Fee Schedule : 7. {$1000.00} ( ONE THOUSAND UNITED STATES DOLLARS ) per invalid claim in writing, nunc pro tunc, 8. {$1000.00} ( ONE THOUSAND UNITED STATES DOLLARS ) per letter and/or notice sent by recorded mail, nunc pro tunc, 9. {$1000.00} ( ONE THOUSAND UNITED STATES DOLLARS ) per attempt to contact by telephone and/or mobile phone and/or email. 10. {$1000.00} ( ONE THOUSAND UNITED STATES DOLLARS ) per trespass and/or violation of Notice of Trespass, 11. {$1000.00} ( ONE THOUSAND UNITED STATES DOLLARS ) per act of liable and/or defamation and/or extortion, 12. {>= $1,000,000} ( ONE MILLION UNITED STATES DOLLARS ) per unauthorized and/or infringement, 13. {>= $1,000,000} ( ONE MILLION UNITED STATES DOLLARS ) per action in denial of due process in law and/or denial of a jury. All fees are payable in Twenty One ( 21 ) days of date of bill, as evidenced by recorded delivery tracking number. Without malice or mischief, in sincerity and honor. By : XXXX XXXX By : Sovereign : XXXX : of the family XXXX Authorized Agent and Representative for XXXX XXXX ens legis and all derivatives thereof No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT PREJUDICE WITHOUT RECOURSE NON-ASSUMPSIT Calls may be recorded
03/21/2017	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	MO 63121	Web
R.I.C.O. has been brought on by a private corporation acting as a government agency. XXXX COUNTY CLERK/JUDICIAL system. We have proof of this agency using the court system to work with allege attorneys to simulate the legal process without performing due process of the law. This court has found to remove documents from the docket. They have court against someone without giving notice to the other side. The docket is full of documents which are fraudulent documents yet they ignore the evidence of law which are laws on the books and they never use law on the books to justify their actions but just act out of their personal feelings emotions and thoughts. Now I will leave a list of laws which have been violated using congressional hearings as the root of the R.I.C.O. violations. 801. Short Title This subchapter may be cited as the " Fair Debt Collection Practices Act. '' 802. Congressional findings and declaration of purpose. ( a ) Abusive practices. There is abundant evidence of the use of abusive, deceptive, And unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries Are inadequate to protect consumers. ( c ) Available non-abusive collection methods. Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial. Extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in Character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive Debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt Collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. CFR 807. False or misleading representations, CFR 808. Unfair practices, CFR 809. Validation of debts, 15 U.S. Code 1692d - Harassment or abuse, 18 U.S. Code 513 - Securities of the States and private entities, 18 U.S. Code 514 - Fictitious obligations, 18 U.S. Code 1021 - Title records,18 U.S. Code 894 - Collection of extensions of credit by extortionate means 8 U.S. Code 1324c - Penalties for document fraud, 15 U.S. Code 77www - Liability for misleading statements. These codes have many laws that sit within them but to put them in here would take up all the space with just a few of them. The docket at XXXX And these XXXX cases will clearly show R.I.C.O not only happened but is still in process and those who commit these violations have no remorse but think they shall continue to defraud the whole system. They think as a private corporation with a XXXX number they are to continue to act as government agency in reality a private corporation who full of corruption and this are just words being spoken but a docket full of fraudulent documents and the docket also reflects that notice was never given while they call themselves a court of justice while acting as a corporation that is corrupt. We have legal existence in every court in the USA and all countries signed to the XXXX and so we know that the color of law is the opposite of legal law. So this becomes where does XXXX stand in law. Here is fraud the fraud. XXXX Case no : XXXX Case no:XXXX Case no:XXXX
01/07/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL XXXXX	Web
In XXXX of XXXX, I noticed multiple debts on my credit report that I did not recognize. I sent validation of debt request, that included my current mailing address and a Cease and Desist notification until they could validate the debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), via USPS Certified Return Receipt mail to the collection company listed on my credit report as XXXX XXXX, XXXX ( original debt listed as XXXX XXXX XXXX ) ( copy of letter attached ). XXXX received the letter on XX/XX/XXXX ( copy of Return Receipt attached ). I received a response dated XX/XX/XXXX from an attorney, Blitt and Gaines , P.C . who claimed they were retained by XXXX XXXX to collect the debt. The letter was mailed to an address where I have not resided for several years. I responded in XXXX with a validation of debt request, again sent Certified Return Receipt mail ( copy of letter attached ). Blitt and Gaines responded with phone calls threatening legal action and I was intimidated into making a payment arrangement with them before I knew how this debt was created ( Receipt of Payment attached ). I also filed a complaint with CFPB that XXXX and Blitt and Gaines were mailing correspondence to old addresses despite having my current address ( complaint attached ). Since paying for this debt that I did not recognize in XXXX, I became aware that I was a victim of Identity Fraud and I have been trying to address each account on my credit file as well as taking the necessary steps to mitigate and remedy the damages. Most creditors removed the debts after I supplied them with the police report filed in XX/XX/XXXX, however there were two that refused to comply. In XX/XX/XXXX I discovered IdentityTheft.gov and immediately filed a complaint where I was directed to send letters to all three credit bureaus with a list of debts that I believed were the result of identity theft. The debt to XXXX XXXX XXXX was included even though it was already paid in full because it remained on my credit as a " charge off. '' I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating they investigated the inquiry they received from the credit bureaus and had determined the debt to belong, that it had been sold to XXXX XXXX XXXX XXXX and to mail a copy of the police report within 45 days if I still disputed the debt ( letter attached ). On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX explaining that I had already paid this debt with Blitt and Gaines and was therefore perplexed as to why this would have been sold to yet another third-party collector and I enclosed the police report ( letter and police report attached ). I received another similar letter from XXXX XXXX XXXX dated XX/XX/XXXX stating they received my correspondence and completed further investigation and requesting me to again send the same police report if I dispute their findings ( letter attached ). Despite multiple requests for debt validation and sending full payment for the listed debt, this debt has been sold to another third-party collector. Despite notification that this debt is the result of identity theft, this debt remains on my credit reports as a charge off. This company and its representative third-part collection companies and attorneys have violated several statues of the Fair Debt Collection Practices Act.
02/11/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IA 522XX	Web
Today was my second call within the year to Blitt & GainesOffice to try to answer some questions and resolve an all-around horrible lending practice from the start. Starting 2013 when I proudly walked into the dealership with {$2000.00} down for $ XXXX vehicle. I was ready to be back on my toes and thought there was no way this couldn't be affordable for me. The " trusted '' sales associate states " XXXX XXXX will not finance without with service warranty & GAP ''. My father warned/said don't buy it but I caved because I wanted to be proud as a single mother of XXXX. Now nothing is how I had planned walking into that situation. Gas prices jump, I drive 70 miles round trip for work, I'm stuck with a vehicle I can't afford that I should have been able to. Shame on me for trusting my friends step-dad ( salesman ). My insurance lapsed because I can't afford it. I get in a horrible accident, I borrow money from 401k to fix it but I'm still sinking. I finally let it go, I don't defend my judgement bc once again, I believe it will be fair. Only to find out, I was taken for every red cent. Salt in the wound. Years later only to find out that I was misled/lied to from the jump, I didn't have to pay for those things & maybe I wouldn't have sank. I've called Blitt & Gaines Office twice. Initially, to see how I can end this haunting experience & move on with my life. The worst part is I'm now third company in ( XXXX, XXXX XXXX, Blitt And Gaines ) and the deceit hasn't stopped. First time calling I would reference the payments made ( garnishments ) and she continued to taunt me stating I didn't make those payments and they were taken under garnishment, refusing to acknowledge that regardless they were total payments. I requested settlement offers, she said I had to give an offer while refusing to acknowledge the garnishments as payments from me. Today I was requesting detail on how a credit was established in my " Explanation of Deficiency '' and was given a big run around. " I'm sorry, I wouldn't know what you were referring to ''. " Remember, we are a law office, we wouldn't have that information ''. " Sounds like something XXXX XXXX sent you ''. When asked if she could get access her response " I could probably try to find it ''. Playing a if the LAW office who presented the judgement to the courts would not have this on file? Deceit. She ended with " So you want validation? '' I said " No, I want clarification ''. It took be XXXX years to fully understand my rights. I'm not thrilled that lies & deceit are still being practiced in the debt collection offices. Both times my requests were ignored and tried to construe the requests and make me agreeable to less than I was asking for. Please rectify. I put my life on hold and buying a house because of this mess. Started by one person, to a company who would allow such horrible borrowing practices, to a LAW firm who doesn't care why so many people failed with this type of lending/ company and supports their decision to sue for all {$8000.00} interest on {$10000.00} car and still charges me $ XXXX that it's unpaid. Also prior to court hearing, I informed Blitt & Gaines to contact my bankruptcy lawyer going forward, to which my understanding they did not, and continued with the judgement request unbeknownst to him.
03/12/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 62704	Web
XX/XX/XXXX - I signed up for services to assist with unsecure debt with XXXX XXXX XXXX XXXX. XXXX promised that money I paid them each month would go to an escrow account, XXXX, which would be used to pay down accounts. In XXXX - XXXX lawsuits were filed against me in small claims court where I live, by the same collection agency, Blitt and Gaines, representing the same collector/creditor, different attorney names, claims, and amounts. XXXX of the lawsuits are from XXXX XXXX and 1 from XXXX XXXXXXXX XXXX. XX/XX/XXXX - I was contacted by XXXX XXXX XXXX regarding the first lawsuit. I had two different attorneys and their paralegal contacting me and was told not to appear in court or seek trial as this would cost me more money. They told me to sign a settlement agreement which I did thinking I had no other choice to resolve the matter. XX/XX/XXXX- I was contacted again by XXXX XXXX XXXX and asked to settle the next account in full. I explained that I could not promise something that may be unsustainable with the uncertainties facing me and my family and that my mother was diagnosed with XXXX and I had moved her to Illinois to help in her care. I was told to write a hardship letter and grant permission to share with their other counsel. By XX/XX/XXXX, XXXX again presented an offer to settle the next account for the exact dollar amount that was enrolled in the program with XXXX a year earlier. After this and more red flags I cancelled my agreement with XXXX. XX/XX/XXXX - XXXX filed a complaint with the Illinois Attorney General and they assisted in receiving a refund from XXXX. XXXX contacted me at the end of XXXX and agreed to refund {$6600.00} that I would receive in 10 days. XX/XX/XXXX - I received an email from XXXX on behalf of XXXX requesting my account information. I spoke with XXXX at XXXX and provided my XXXX Bank account information to send the refund. XX/XX/XXXX - A refund of {$6600.00} was sent to my XXXX XXXX account. I had expected these funds at XXXX Bank, locally where I could access them to send certified funds to XXXX Bank. XX/XX/XXXX - I wired {$4800.00} from XXXX XXXX to XXXX Bank given the wire instructions I received over the phone that day to bring my account current. XX/XX/XXXX - The wire was returned by XXXX Bank less {$50.00} fee, unable to apply funds. XXXX XXXX was charged a separate {$30.00} fee by XXXX. XXXX told me the wire was returned by XXXX Bank. As of today, XX/XX/XXXX, {$5400.00} is being held by XXXX XXXX. I filed several motions to appear in court since XXXX on each lawsuit.. My motions have been received and filed but still nothing. When I had been to court for these and objected, I was told to expect something in the mail. XXXX XXXX was the attorney who appeared for XXXX and XXXX. I can not verify his name or where he is from. His name is not listed anywhere for these cases and is not a licensed attorney for XXXX and XXXX, according to the Illinois XXXX XXXX. XXXX and XXXX is not licensed to collect debt in Illinois.
11/17/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	IL 60450	Web
XX/XX/XXXX, I was paying $ XXXX/month during my unemployment period on a credit card. I received a telephone call from a debt collection lawyer stating that full payment was required. I acknowledged that this debt was owed however, that I could not pay the full amount but could make monthly payments of {$50.00}. I was requested to send a hardship letter which I obliged. ( I sent the representative all types of personal information ). I was told to follow-up. When I called to talk to the representative, I told her I called to find out the status and was told to pay XXXX of the debt. I informed my representative that I was unemployed and could not make that commitment. However, I could continue to make monthly payments of {$50.00}. Then she said she needed {$500.00} or legal proceeds would begin. I pleaded with her to continue the $ XXXX/month payments. She told me " go ahead and pay {$50.00} but it will not stop legal proceedings. '' I asked her what the purpose of the hardship information was, which she did not acknowledge. On XX/XX/XXXX, I received a summons to appear in court on XX/XX/XXXX. I appeared in court. At this time it was determined that a monthly payment of {$50.00} would be made. All other fees were waived as I told their attorney this is what was being paid in the first place. That this should have never escalated to court. I received a " Judgment by Agreement '' on XX/XX/XXXX from XXXX County Court in the amount of XXXX. On XX/XX/XXXX, I received a telephone call from the Collection Agent Attorney telling me that I have not made any payments. I informed them that I was driving and needed to get home to get all my records and call back. This caller was very rude. I told her she was incorrect. She told me she was " NOT GOING TO ARGUE WITH ME ''. I was in a panic because I never missed a payment in 3 years and was never late. Upon calling them back, I informed them that payments were made every month. They acknowledged that this was correct and did not offer any apology or for causing me any distress. However, to my disbelief, I was informed that the amount now due was {$13000.00}. I asked why this has increased rather than decreased due to it being a judgment. She told me that there is interest of {$2.00} daily. So as of XXXX, it increased {$2900.00}. My payments of {$50.00} are not decreasing this debt. It only continues to rise and will never decrease. I plead to your Bureau to take a serious look into the practice of this agency. I am providng documentation for you in an attempt to help your investigation. I have all dates documented along with telephone calls. I would be happy to answer any questions or provide any other information that you may have.
03/17/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60077	Web
I received a notice from this Law Firm via mail I have received calls since I have hired a Credit repairing non-profit company due to the current situation in our country, they submitted a Power of Attorney so that I can try to mitigate my damages in my credit and it was rejected the agent from the XXXX XXXX ( Credit Repairing Services ) was told that they could not communicate with them unless He was a licensed Attorney that it was XXXX XXXX Policy He told me and they will provide that in writing and they refused to do so they asked for his full name, which it is irrelevant since they submitted a Power of Attorney in fact on my behalf, they even had a representative by the name of XXXX XXXX whom is not an Attorney who is not an Attorney working the account why would they have an non Attorney worked the account and not talked to my agent/representative He asked if they had the policy in writing but they refused to do so they said it was XXXX Policy My Credit Repairing Representative called XXXX and they said they do not have such a policy they still refused to communicate with me unless I am represented by an Attorney, Which I believe that is a violation of my consumer rights I am seeking a resolution to my current financial situation I am self employed and have been impacted by the current Covid19 Situation, further more the representative did not give my agent the Mini Miranda Disclosure as required by The FDCA, I would like to resolve this situation but I should not be forced to hire an Attorney as it was clearly stated by the representative who told the agent I must have an Attorney if I have a Credit Repairing Counseling Agent, that violates my rights as a consumer, I can not afford an Attorney only Non-for profit Credit Counseling, that fact that they demanded that I have an Attorney is not lawful within my consumer rights, They said my Repairing Counseling agent should hire an attorney which I can not afford attached is documents if you would like more info please let me know the agent was directed to a XXXX XXXX at the law firm by XXXX XXXX a non Attorney representative if this account is only handled by an attorney the representative told The XXXX XXXX ( Credit Repair Serivices ) He needed to know if he was an Attorney or not. This is not right please help I know this law firm has been noted for very suspicious and unethical practices with their staff. We have dates and time when we called and they also have recordings as they must keep by law. Thank You XXXX XXXX
09/27/2019	Yes	Debt collection I do not know	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	IL 60443	Web
To whom it may concern, on multiple occasions I have been contacted by both XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) as well as their counter partners Biltt and Gains, P.C. ( BG ), in regards to a phantom debt which is alleged to have been originated between myself and a company called XXXX XXXX ( XXXX ). When I was first contacted by XXXX, I explained to the collection agent that I had never heard of XXXX nor did I have any accounts with a company by that name. I asked for the details of the account and later pulled my credit reports in an attempt to authenticate what the agent from XXXX, had shared with me. Upon reviewing my credit reports I realized that I in fact had never had a creditor by the name of XXXX, within my entire credit history. Shortly thereafter I received another call from an agent working for XXXX asking for payment on this unknown XXXX account, I reiterated to the agent that I was unaware of any such account with a company called XXXX. I advised the collection agent that I would like to be sent a copy of any promissory note or written agreement, which would bare my signature for of terms that I allegedly agreed to repay on a loan from XXXX. I never received any such proof of validity of this debt which is in violation to the Fair Debt Collection Practices Act ( FDCPA ). These communications with XXXX transpire within the first two weeks of being contacted by their office. To this date I have not received any information that would provide any details of the debts origination date, nor in what form that I am alleged to have utilized these funds. To add insult to injury this debt is still not reporting to my credit reports and I have been pursued for a judgment by XXXX, along with their counter partners BG, in XXXX county circuit court of Illinois. On XX/XX/2014, a judgment was entered in favor of XXXX. The judgment has now provided both XXXX and BG, the ability to garnish my pay checks as a result this phantom debt created by XXXX and enforced with BG. Im seeking assistance from the CFPB, to place an inquiry into both XXXX and BGs actions against me the matter of illegal debt collection tactics, fraud, and additional violations to the FDCPA. This debt has never reported to my credit reports nor does it at this time, and I have never ben provided written documentation which would indicate that I originated any such loan with XXXX.
11/25/2017	Yes	Debt collection Private student loan debt	False statements or representation Told you not to respond to a lawsuit they filed against you	IL 622XX	Web
Back in XXXX XXXX XXXX tried to sue me for some past student loans. I tried to dispute them, but was unaware of the law at that point. Many of the loans in question were reaching or been expired based on the Illinois statue of limitations, however that did not stop them from hiring Blitt and Gains, pc. Upon trying to serve me they hired someone who came to my door at approximately XXXXXXXX XXXX on a week day and stated he was a member of local law enforcement. When I asked him to show me some identification through the peephole he refused, and I then called the actual police on him. At which point he stated he was not a part of law enforcement and told them he was there trying to deliver me some papers. He never specified what the papers were, the police officer had to stand in between myself and the guy and asked if I wanted to sign for the papers I said no, and that I did not want them. I had no idea what they were and because he has scared me and my kids, I wanted no parts of it. The police then instructed the guy to leave, at which point he did. It was n't until I got a letter from the courts saying that the company was given a default judgment against me and I went to the courthouse, did I learn that he was trying to serve me. I told the judge I was not properly served and she told me I had to file some paperwork. At that time I did not have the money to file and was as a result have been getting garnished by Blitt and Gaines on behalf of XXXX XXXX. As of recently I read that they are being sued for improperly filing cases against clients. Since then they have been ordered to stop collecting, however, XXXX XXXX is still actively garnishing me and has been since XXXX. They have taken over $ XXXX from me unlawfully. Also, Blitt and Gaines has been over charging me and collecting more then what was originally stated on the court documents. Since the lawsuit, they have not recertified the garnishment through the courts, something they are supposed to do every 90 days, but have been garnishing me based on the last recertification which was more then 3 months ago. I have tried to contact Blitt and Gains several times and they refuse to provide me with the documents requested and they keep using the garnishment as proof that I owe this debt. My rights have been violated and I need help to get my money back and stop them from garnishing me any further.
11/02/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	IL 60543	Web
I would like to file complaint against Blitt and Gaines PC. This is a third party debit collector. I have a very old debit from 2009. I have proof and documents that I had a payoff and settle agreement with another collector. Blitt and Gaines decided to garnish my wages on the same account. When I recieved notice of the garnishment I submitted proof from the other collector the settlement prior to the court date. Blitt and Gaines advised that they will not except the documents I sent and that if I paid over {$13000.00} to them they will close the account. I told them I dont have {$13000.00} and they told me they were going to go ahead and garnish and there was nothing I could do. Of course I do not know my legal rights and thought that because this stamped paper I had no defense. I then proceed to get multiple calls from other collectors for the same account. One collector advised that they would garnish my wages and I had to send proof. This got me thinking how and why. I called the origional collector and they advised on two seperate occasions that my information can be put back into the system. I called Blitt and Gaines and I guess they have held on to this account for a long time letting it build interest. When I asked why they didnt contact me they said they sent a letter over a year prior which I never recieved. When I asked why they didnt except my proof they acted like they had no idea what I was talking about. When I asked who is collecting the interested they could not give me a answer, when I mentioned I was going to record our call they hung up on me. When I asked for verification they sent me a court paper with some other collector on it, nothing said Blitt and Gaines only the envelope it came in. I found out I can contact court documents and get the same thing, I can also print off a wage garnishment form online as well. I contacted the origional collector XXXX XXXX. I was able tosubmit the proof to them. I got a call the day after I submitted the proof and they advised that this account should be closed. I had a hard time but was able to get to the collector I had the settlement with for a payoff. I submitted this to XXXX and they still havent closed the account. I have now been garnished over {$8000.00} on a settlement of {$2800.00} I also had to pay over {$200.00} in fees. This is extorshion.
06/13/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	IL 60625	Web
I took out a XXXX loan in XXXX as part of my student loan packageto attend XXXX school. Following completion XXXX, the great recession hit and I struggled to find work and eventually landed a job that required me to take a pay cut from my previous career XXXX. I fell behind in my payments and my loan fell into default. After a few years of struggle and penny pinching, I successfully rehabilitated my student loans ( and paid off $ XXXX in credit card debt ). For some reason, this loan was ineligible to be rehabilitated. The University sold this loan to an agency who then sold it to a collections firm. Since XXXX, the collections firm has filed suit against me to demand payment on the loan. I have sent payments over the years but the collection agency refused to issue me anything in writing. I consolidated my federal loans in XXXX of this year and put to include this XXXX loan in the consolidation. At this same time, the collection firm stopped auto withdrawls from my bank account. Without ANY notice, emails or letters, the firm seized my bank account claiming I had not made payments. Apparently, after they filed suit on me in XXXX ( to which I responded by setting up a payment arrangement ), THEY went to court and did not tell the judge about the payment arrangement ( they told me I did not need to go to court ) and a default judgement was entered against me. When I recently went to remove the bank lien. The law firm/ collection agency agreed, in front of the judge, under oath, to set up a payment arrangement. WHen I called a few days later to begin setting up the payments, I was told that they would not set up a payment plan and demanded the money in full. I do not have that kind of money so I asked them what payment plan would be accaptable and they requested an amount that was over 30 % of my take home pay. I asked them to work with me and they refused -- telling me to go borrow money from friends or get a bank loan. I filed a complaint with my XXXX and within 24 hours, the firm ( using the XXXX judgement ) sent a letter to my employer demanding garnishment of my wages. The firm, on several occasions, lied to the judge about their communications with me and refused to work with me. I do n't understand why this Federal loan was excluded from my right to rehabilitate in the first place.
07/03/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 61103	Web
( XX/XX/2019 ) Tried contacting firm to get information about a debt that was to their firm for collection, called several times with extremely long wait times left messages for call back then emailed when I missed their 2 calls and had to wait again ( about 30 mins each time ) never got a response as to if I was still supposed to make payments to them or if I needed to take other actions so I stopped making a payment when I wasnt receiving confirmation emails for payments XX/XX/2019 ( I had made 5 $ XXXX payments ). Then when I tried using my account to pay for something and it said I didnt have any money I checked the account to find funds pending for review {$470.00} was the amount ( my comed and car insurance payments couldnt go through because of this ) I called the bank who told me to call the law firm who ( law firm ) told me they sent a notice to review my account and was waiting for banks response and that it was my bank that put the freeze on the money because they had no payment ( this was XX/XX/2019 ) so today ( XX/XX/2019 ) I called the bank because the hold is still on there And I FINALLY ( after three phone calls and over an hour wait time ) was connected to a manager who told me they couldnt see if it was judge order or just law firm who put the hold on the money and they will contact me when their law department contacts him. I couldnt connect with law firm who holds the debt because they were closed. I received a letter XX/XX/2019 postage was XX/XX/2019 stating they were garnishing my account but no dollar amount other then the full debt amount of $ XXXX+ ( Said no payments were ever made towards debt ) The letter was dated back in XXXX and that I had til XX/XX/XXXX to make an appeal. I am a single parent of two small children ( the debt collector/law firm knew this ) and my bank couldnt tell me if my next paycheck that is to be deposited XX/XX/2019 would also have a hold on it- I have rent and diapers to buy I work full time And had to cash my pennies to pay for gas and dinner for my children, I honestly dont know what to do, Im filing for bankruptcy three days before my sons birthday XX/XX/XXXX but I dont think Ill have the bare minimum they are charging me for that ... help ... please
09/22/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	IL 601XX	Web
Hello, I am hoping you can help me, please. Back in XX/XX/XXXX when I was XXXX, I got my first Credit Card through XXXX XXXX. I barely had any work history so I never thought I 'd get approved, but decided to try anyway. Fast forward through a few years, I tried to make it living on my own and racked up a lot of credit card debt. This card was closed with a balance of somewhere in the mid to high XXXX. In XX/XX/XXXX, a judgment was opened against me and they asked me to appear in court ; which I declined due to a snow storm and the long commute, but my father and I spoke with whoever was handling the case at the time and tried to offer a settlement. They were coming after me for over XXXX and we tried to settle for a little over XXXX paid in full, but they declined. Since XX/XX/XXXX, I did not have any kind of stable employment, I was a college student and worked on paying off my smaller debts and rebuild my credit. Last year, they tried to come after me again by garnishing my wages when I was working for a company called XXXX ; however, their request was declined due to my low hourly wage and part time hours. 4 months ago, I started working for XXXX XXXX full time, and I am just barely crawling out of the hole I made for myself. After my mortgage ( house is in my boyfriends name only ), bills, car payment, paying our pet sitter, etc ... I barely have {$300.00} left for myself for two weeks for food and gas and to do anything fun for myself on the weekends, and now they are threatening to garnish my wages again by the end of XXXX. If this happens, everything I worked so hard for, all the debt I paid off, the credit I built will be for nothing. My job is moving to a new location in XXXX that is XXXX miles from my house, and I am trying to buy a house closer to work, but until then if my wages are garnished I definitely wo n't have enough money to get to work. If this debt is not 7 years old yet, it is very close to 7 years old. I will need to obtain my detailed credit report for the exact date since XXXX XXXX is limited. They are coming after me for {$4400.00}
09/21/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MO 64138	Web
On XX/XX/XXXX, we went to court as the company who purchased my debt ( XXXX XXXX ) obtained legal respresentation ( Blitt & Gaines ). I, did not have an attorney representing me. The attorney for Blitt & Gaines had me sign the judgement form ( outside the courtroom in the hallway ) stating it was proof I showed up for court. I advised him that I did not want to and that I wanted to see if I could obtain an attorney ( as I was completely unfamiliar with the situation ), I also wanted to discuss my options with the judge. The Blitt & Gaines attorney stated the the debt was valid because I signed for the credit card. In XXXX, I made two written requests that included payments ( {$200.00} and {$20.00} ) via money order to them and requested they send me in detail a list of the alleged charges and fees. However, they failed to respond and provide anything I requested. In XX/XX/XXXX, my wages began to be garnished without me ever being formally served or notified. I have only attended one court hearing and were not notified of any other proceedings. My wage garnishment were 25 % for the total {$1900.00}. On XX/XX/XXXX, it was reported to be my final wage garnishment, however, when I called Blitt & Gaines they advised that it was not my final payment ( although the judgement stated so for the final amount paid ) and that it was still accumulating interest. I advised them that the order was already set and payment was sent for the balance. The advised that I still owed interest as it was accumulating although my wages were being garnished. I requested the debt collector information who hired them so that I may contact them directly and they stated they had no such information. When questioned how they could not have this information they were not able to formulate an answer. I then asked for the attorney who was handling my file and they reported there was no attorney handling my file. Furthermore, I was not informed of the garnishment until I received my paycheck in which the initial deduction was made.
06/15/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MO 65109	Web	Servicemember
Company : XXXX XXXX XXXX XXXX XX/XX/XXXX Auto Repossessed XX/XX/XXXX Payments began XX/XX/XXXX and occured XX/XX/XXXX, XX/XX/XXXX late, XX/XX/XXXX late, XX/XX/XXXX communicated difficulty, arranged for payments, then made 5 consecutive payments XX/XX/XXXX, another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The car was still repossessed on XX/XX/XXXX after five payments and I was not informed or communicated with that it was going to be repossessed, I thought I was satisfactorily catching up ) The repossessor came on my dad 's property after my dad told him he was to get off the property and subsequently told my dad by threat of a physical fight ( intimidation and bullying, Fair Debt violation ) that he was not leaving without my car, all after I was not informed ( debt parking, violation Fair Debt Collection, XXXX XXXX ) that the vehicle was going to be repossessed. A reasonable person would have thought that after. A conversation about catching up and making five subsequent full monthly payments with no communication otherwise that I was not at risk of losing the vehicle. Moreover it happened with threats and coercion while trespassing at night in the cold. Now there was communication that the vehicle sold at auction XX/XX/XXXX but nothing after that. Now nearly 6 years after the signed promissory not and only the communication stated above i was served papers to be in court. I called to try to work something out and no one returned my call. I think that violations have occurred and that my debt should be reconsidered since I have been harmed ever since credit wise. I could have continued to catch up ony payments but they didn't allow me the chance. I am a single mother of three with no child support and this has been detrimental. I can not get an auto loan at a reasonable rate and it has unduly affected my credit, my children 's well being and mine. I want this handled.
03/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60613	Web
Ive contactedXX/XX/XXXXon numerous occasions after I received a letter in late XX/XX/XXXX stating that I have a XX/XX/XXXX court date. I was notified that there will be an investigation of the Fraud Alert that XXXX XXXX rejected me twice. They stated that it was a false claim. The false claim is false. I just received a phone call from a young lady by the name of XXXX from Blitt & Gaines today at XXXXXX/XX/XXXXCT. XXXX stated that I communicated with XXXX XXXX & Blitt & Gaines back in XX/XX/XXXX. She said that I called for a hardship so that I wouldnt get my wages garnished. And she also said that I said I had hardship during Covid. Both claims are incorrect so I am waiting for a phone call from the investigation of that phone call where I allegedly said that I was affected by COVID-19 & needed a hardship. At the beginning of XXXX, I received paperwork and appeared to court on that paperwork date. The judge, on the XXXX court call, told me that there was nothing that I needed to do not & that basically Blitt and Gaines filed something to keep the case going. Im just highly confused because now Im being told that I asked for a hardship. The account is not mine. I asked for further fair investigation. And when I asked her to send me the statement that showed the {$2500.00} credit limit being exceed it to over {$3000.00}, and resulting in {$3500.00} with {$.00} balance. Upon asking, she told me there was an address of XXXX XXXX XXXX in XXXX, IL. Ive never resided at XXXX XXXX XXXX and Illinois Postal Service can back that claim. If I need to submit this, I would do so. I submitted a claim back in late XX/XX/XXXX on this platform. I was told that this account was pending investigation by Blitt and Gaines but instead, Wage Garnishment was the pushed objective from the company. The only other option discussed was 24-36 months of voluntary payments.
11/16/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 62702	Web
This is regarding old credit card debt with XXXX XXXX. It was initially sent to a law firm that I set up monthly payments with and had been faithfully making them for quite a while, and then they suddenly stopped. A month or two later, I receive an introduction letter from Blitt & Gaines our of XXXX, Illinois saying they were taking over the debt. I dont recall anything in the letter stating I needed to contact them or something bad would happen. I assumed they would contact me with what they wanted me to do because thats their job as debt collectorXXXX. This was months ago, possibly as far back as XX/XX/2018. I didnt hear anything else from them until my bank account was frozen yesterday, XX/XX/2018. When I called the law firm, someone there stated they only did it because they tried to garnish my wages but I didnt work there. She named a company Ive never even heard of, let alone worked at. At the time Blitt & Gaines reportedly tried to garnish my wages in XXXX, I had had the same job for over two years. I file taxes. I get direct deposit. How could they not find my actual job? I received no communication that the wage garnishment was unsuccessful and they needed job information from me. I have not moved. I have not changed my phone number. The only thing the woman kept telling me was that it was my fault that I didnt respond to the letter from XXXX. I feel like this frozen bank account could have been avoided and now I dont know how Im going to pay my bills the rest of the month. I dont really have family to ask for help so this is really terrifying. Furthermore, wage garnishment would not have been necessary because I would have wanted to set up a similar payment plan as to what I had before and assumed I would have again. But they did not contact me and took the most drastic action without even informing me ahead of time.
05/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	IL 60068	Web
Filed numerous false statements in response to CFPB complaint number XXXX. They provided no evidence to back up their statements or allegations as was requested in my complaint. They made a false statement to the CFPB that I called their office to split my XXXX 2015 payment into 3 payments and then I did not pay the final payment after that and that they were unable to get in touch with me. Blitt and Gaines REQUIRED me to provide my bank account information to them so that they could withdraw money from my bank account. Blitt and Gaines provided a settlement agreement in writing CONTRARY to what they REQUIRED me to do. Blitt and Gaines ILLEGALLY AND WITHOUT AUTHORITY that they CAN NOT CAN NOT prove withdrew unauthorized amounts of money from my bank account. Blitt and Gaines added legal fees to my account that they can not substantiate. Blitt and Gaines NEVER sent me an original right to dispute letter and NEVER contacted me that I owed any additional unpaid funds. I could NOT HAVE OWED UNPAID FUNDS SINCE THEY TOOK OVER MY BANK ACCOUNT. They told me I had to have money in my account at all times and they would withdraw the money. They NEVER sent me a receipt. They NEVER sent me proof of what I owed. They NEVER sent me ANYTHING from XXXX XXXX to show that they had the right to collect, and or that the money I paid ever actually was paid to the XXXX XXXX people. I have previously filed a complaint here. I previously have filed a complaint with the state of Illinois Attorneys Review and Disciplinary Commission.. Blitt and Gaines has been unable to substantiate anything they are alleging and should be prosecuted to the fullest extent of the powers of the government including false statements and seizing unauthorized property, putting nothing in writing to seize the property, and providing no receipts.
08/08/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60453	Web	Servicemember
Today XX/XX/18, I received the attached notice ( Wage Garnishment Notice ) letter from the Law Firm ( Blitt & Gaines. P.C ) representing a Collection Agency ( XXXX XXXX ) regarding a debt owed to one of my creditor ( XXXX XXXX ) for an erroneous amount of {$2800.00}. On XX/XX/18, I contacted the Law Firm- Blitt & Gaines and spoke with a Mr. XXXX XXXX ext XXXX, and explained that I did not owe the requested amount of {$2400.00} ( at that time ) to XXXX XXXX and please provide documentation to support the charges. I was told by Mr. XXXX, that the Law Firm would return the debt to the Collection Agency for validation and to call back in a week. On XX/XX/18, I called back but was not able to speak with Mr. XXXX, so I left a voice mail message asking to return my call at XXXX, regarding the current dispute with XXXX on behalf of XXXX XXXX. I never heard from Mr. XXXX at that time. On XX/XX/18, I called again and spoke with Mr. XXXX and asked him why didn't he return my call, because I would really like to settle this debt. I was told that he had a note in the file that say " do not call me '' and was honoring that agreement. I said, but when we last spoke and you asked if you could call me back and I gave you my number. He then preceded to tell me he had not heard back from the XXXX/XXXX XXXX, give it a couple more weeks. Wow! On XX/XX/18 ( Four months later ), I received this notice to garnished my wages. How is this possible, when I have repeatedly disputed this debt with with this Law firm? Please help stop this kind of Injustice, to the consumer. I have been trying to work with all my creditors a and have been successful, unless they are like thisLaw Firm. I would like them to cease and desist collection matters on this account!
02/01/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 60445	Web
On XXXX/XXXX/XXXX, Blitt and Gaines were awarded a Wage Garnishment against me .The total amount of the garnishment ordered by the court was XXXX and was started on XXXX/XXXX/XXXX. I have each pay stub that showed a deduction was made and for how much. On XXXX/XXXX/XXXX, I faxed my payroll company the final pay stub of the year for XX/XX/XXXX, XX/XX/XXXX and my pay stub dated XXXX/XXXX/XXXX which showed that as of XXXX/XXXX/XXXX, there has been a total of XXXX that had already been deducted and paid to XXXX and XXXX which left a balance of XXXX to satisfy the judgement. I faxed all the information to my payroll company on XXXX/XXXX/XXXX. Payroll contacted Blitt and Gaines and emailed me stating that according to Blitt and Gaines, I still owed them XXXX and payroll could not stop the garnishments until they received a Release Letter from Blitt and Gaines. On XXXX/XXXX/XXXX, another XXXX was deducted which now goes OVER the court Wage Deduction of XXXX. On XXXX/XXXX/XXXX, I faxed all relevant documents to Blitt and Gaines showing exactly how much they had already received and a copy of the Wage Deduction order and the amount and requested that they email myself and mail my payroll company a Release Letter as I have met the amount owed.I even included an exact breakdown of the date of check and amount deducted. I also requested proof as to the additional dollar amount they claim I still owed.To date, there has been no response from Blitt and Gaines, my pay checks are still being garnished even though I have now exceeded the amount mandated by the court. I have read many reviews on Blitt and Gaines and it appears that they make a habit of collecting well over the amount they are allowed and that is theft.
12/08/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 61615	Web
Dear Consumer Financial Protection Bureau, I am writing to seek guidance and assistance regarding a challenging legal situation involving a debt collection case that has become a significant burden for me. The case is located in XXXX XXXX, with the case number XXXX between XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. My court date is scheduled for XX/XX/XXXXXXXX In XX/XX/XXXX, I obtained a personal loan of {$12000.00} to start a business venture. Regrettably, unforeseen circumstances such as contracting XXXX in XX/XX/XXXX and the subsequent vandalism of my store on XX/XX/XXXX severely impacted my business and finances. As a result, meeting the regular loan payments became unmanageable. Despite my efforts to resolve this situation, the strain of these unexpected events, compounded by my status as a student, has made it increasingly difficult to navigate the debt collection proceedings. Due to my low income, I am presently unable to afford any payment or establish a payment plan. Enclosed, please find supporting documentation, including medical records, evidence of the business downturn due to the pandemic, and documentation related to the vandalism incident. I kindly request your office 's guidance, advice, or any available resources that may assist individuals in similar circumstances dealing with debt collection cases. Your assistance in identifying potential solutions, providing guidance on consumer rights, or offering resources to address this situation would be immensely appreciated during this challenging time. Thank you for your attention to this matter, and I look forward to any guidance or assistance your office may provide. Respectfully, XXXX XXXX
10/03/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IN 460XX	Web	Servicemember
I was informed by a family member that there was a lawsuit filed against me by XXXX XXXX trying to collect money from me on an account that first off is currently being disputed, which they should t be trying to collect during this time. XXXX XXXX has been given all the proper documents and evidence to prove that I was incompetent at the time of opening the line of credit an led it was performed by an assigned fiduciary that was in control of all financial affairs. On the legal documents it states I was not incompetent in which I have shown them and the CFPB otherwise. I have filed an ID theft report affidavit under oath and sent it along with a request for a credit block to all three CRAs with zero success. All they do is the same procedure as for a dispute not what they are supposed to do by law. These credit collection techniques they have been using and laws they are refusing to follow are pulling myself and family through enough emotion and self despair and trauma. I have again attached document to this complaint in hopes that someone will take this seriously and help me with this issue Ive been dealing with that just keeps ruining my life and credit even more Avery day of my life. First they theft of ID from a fiduciary assigned due to incompetency, then abusive techniques performed by the CRAs and creditors/collectors for things I have no control. over while incompetent and being treated after discharge from the military. Please someone go after the old fiduciary and not me for these things for once and give me the relief I deserve instead of these illegally filed lawsuits with false statements and lies on them that they get away with all the time!!
10/26/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MO 64133	Web
This is a complaint on my XXXX XXXX XXXX which was paid off in XXXX.A judgment was issued back in XXXX with XXXX XXXX Bank stating the sum of {$6700.00}, with interest thereon at 20.99 percent per annum in the amount of {$3000.00}, plus attorney fees, plus special process server fees, making a total of {$9900.00} with payments starting XXXX XXXX. All payments were made through ACH from my bank account totaling {$7500.00} from XXXX/XXXX/XXXX through XXXX, then additionally {$1800.00} through garnishment XXXX thru XXXX which total {$9300.00} which was paid, then when the last garnishment payment was made in XXXX the Attorney that handled this case no longer ACH nor garninshed nothing from my account at all, she was not never heard from. Then come XXXX, that 's when XXXX XXXX ( as Assignee of XXXX XXXXXXXX XXXX ) came at me stating I owe {$18000.00} for the same judgment and been garnishing my checks since XXXX XXXX XXXX which total {$7900.00} more that was token from me. Then after the end of XXXX nothing was token, I thought it was over and finished because nothing was done in XXXX thru XXXX, but come XXXX XXXX XXXX XXXX came back stating I owe {$18000.00} and started garnishment my account again which started XXXX XXXX to present another {$2200.00} dollars has been token from me. So actually I then paid out over {$20000.00} dollars and they not stopping. I just want this to end because like I said this car been paid off. Even through XXXX is on the judgement XXXX XXXX XXXX is the creditor now collecting from me. I have all Statement, proof of garnishments payment, Itemized categories, notes and emails, and ect showing reasonable doudt.
08/23/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60623	Web	Servicemember
I was not legally made aware that debt owed to XXXX XXXX XXXX was sent to collections. Today, XX/XX/XXXX I was made aware that a demand letter was mailed on XX/XX/XXXX, however I did not receive any prior written communication regarding a demand letter. No certified proof of mailing was able to be provided by the company. The company has previously filed a lawsuit against XXXX XXXX for a debt notice that has no proof of certified mailing for any notification. On XX/XX/XXXX, a summons was attempted, however was not successful. On XX/XX/XXXX, a summons was attempted but not successful. Today, XX/XX/XXXX I spoke to XXXX XXXX and I was told that a new suit would be filed when I stated that I have consumer right to be notified regarding debt and I did not receive a demand letter on XX/XX/XXXX and the company was unable to provide proof certified mail. I requested that attorney fees be removed from the account balance and any court costs associated with the balance because I never received any written communication from the company to efficiently and effectively dispute the debt. At this time XXXX XXXX is providing GAP insurance coverage and XXXX XXXX XXXX has not provided the necessary documentation to validate the due date change for the 1st payment due on the account ( loan due date correction letter ), and the 2nd payment due on the account ( loan extension modification letter 60 payments changed to 61 payments ). XXXX XXXX is unable to pay further on the loan without two letters clarifying that the 1st payment on the account was legally changed, and that the 2nd payment on the account was extended.
07/27/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 60164	Web
XXXX XXXX XXXX, XXXX has obviously purchased several old credit card debits I owed from years ago and are using the law firm Blitt and Gaines , P.C . ( XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) to collect. They do not send any correspondence stating that they are trying to collect the debt and do not call. They simply send me a court summons. This has happened 3 times now, all during a pandemic while I'm furloughed from my job! The first time they were sending info to a wrong address prior to sending the summons. The second 2 went straight to the summons. They refuse to work with you on payments, they threaten to garnish wages and call your employer and this last summons even includes an affidavit that has incorrect information on it! It's most likely not even mine and yet it went STRAIGHT to court! They have upwards of 50 people waiting for one lawyer on a given day and then he shows up 2 hours late while we all are missing work and we have to wait while he goes through each one of us. But if one of us had been late, they would have gotten a judgement AGAINST us ... no one would have waited 2 hours for us! I wasted 5 hours in court one day to have a case continued! I feel harrassed endlessly by these people and never know when they will show up again or what they will do. They violate the FDCPA and the judges seem to side with them and protect them because they are " lawyers '' and they know them. I'm already having money issues due to COVID and paying on one of their collections and I feel like they are preying on me. I can't afford an attorney to go after them. I need it to stop.
03/15/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 61614	Web
My XXXX XXXX debt went to court, was sent to Arbitration XX/XX/XXXX in the amount of {$7300.00}. I received no communication that it was out of arbitration, nor did I receive any communication or notification such as a phone call, letter or summons that it had gone back to court for judgement. I received a letter from my employer payroll dept. for 15 % wage garnishment of my gross pay in biweekly payments, and a certificate of judgement balance from the Circuit Court of XXXX County, IL on XX/XX/XXXX in the amount owed of {$9700.00} plus accruing interest, handled by Blitt and Gaines , P.C . in XXXX, IL. And yes, they have my current address. The debt has been paid ( totaling more than {$10000.00} ) in 22 payments, with the final wage garnishment of 15 % taken out on XX/XX/XXXX. While I find it offensive and wrong that I was never given any communication, my complaint is the final payment owed was only {$290.00}. The took 15 % out which was {$460.00}. I have made more than half a dozen calls requesting they return the difference of {$160.00}. This has been since XX/XX/XXXX. I encounter nothing but rudeness and each time they either state, " the check has been mailed, '' or " there's nothing we can do about the postal system ''. They are in XXXX and I live 3 hours south in XXXX, and the postal system has been slow? It's now XX/XX/XXXX, and I'm tired of calling them. I have faithfully paid this debt off every 2 weeks. I want them to return the extra money they took from my paycheck.
03/10/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 616XX	Web
Blitt and Gaines is acting as a debt collection agency. And is not licensed for it in the state of Illinois. Which it is required to be licensed if you are collecting directly or indirectly under the Illinois Collection Agency Act. I realize that there is an exception to the law, if it is a law firm. But the requirement for this, is that the the law firm must practice other area 's of law as well. And this is not the case with Blitt and Gaines. They are 100 % a debt collection agency. They refer to themselves in emails and letters as debt collectors. If you visit their website and click " contact us '', they state they are debt collectors. They have job postings for call centers, only to collect debts. No other law firm does this. 100 % percent of their cases in XXXX, IL are debt collection cases. Over 300 cases! And if you check other cities in Illinois you will find the same thing. If they refer to themselves as debt collectors and 100 % of their cases are debt collections. Than they are a debt collection agency. And need to be licensed. I also have evidence that they will refuse to take another form of law from a client, since its not a debt collection case. And the type of law, is listed on their website, as an area of practice. Just email me your fax number, and I can fax it to you. They claim to practice Commercial Real Estate litigation on their website. When contacted, they will not take a case for that matter. They will only accept debt collection cases.
11/18/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MA 02118	Web
I received an email from my employer on XXXX/XXXX/XXXX advising I had a garnishment processed on my paycheck. Was given phone # XXXX to call Blitts and Gaines and reference case # : XXXX. When I called a XXXX answered the phone and denied any request to not be recorded. Advised my mother was served my summon on XXXX/XXXX/XXXX, I advised I am not my mother. Then I was told I called in on XXXX/XXXX/XXXX but I did not. I asked for ownership of the debt to be mailed to me and stated I feel that my rights were violated because I do not understand how I can be garnished when I never had the chance to dispute said debt. When I asked what documents would be mailed to me, rep XXXX and Supervisor XXXX XXXX informed me they do not know and were not required to know what I am suppose to receive and would not provide me with the name of the regulatory agency I should follow up with if I feel that my rights were violated. If this debt is valid I want to make good on the debt and I want to keep misinformation from hitting my credit report. At this time I feel powerless because they already have garnishment withholding order in to my employer. I advised that if I do not receive the documents I will be at their office to request paperwork in person. They said they had me on recording acknowledging the debt but refused to provide any copy of the recording or to play the recording on the phone. Please help me. XXXX XXXX
09/21/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IA 52803	Web
I don't feel as if i still owe and i want this taken off credit report. This company claims that i do. I don't see how i still do considering a few facts. 1 ) i can not go back to the company to make garnishment of wages. I don't know what kind of agreement that collection agency and garnishments company made but, garnishment co.says i have a {$0.00} balance 2 ) collection agency says they can't take anything off credit report. I find that weird as they surely can put it on. I can't even go back to original debtor to settle yet, this same collection agency says, they say, i owe, and that's that. I find that hardly believable as, the original debtor said, it's out of our hands, you have to go back to debt collector company. 3 ) My only idea was to go back/call to collection agency and ask when they plan on sending sheriff over to serve me court papers to appear at court, again. Collection agency seemingly don't or won't. Which confuses me more. 4 ) i don't mean to be the small fish picking on bigger fish in the pond. But what am i supposed to do when collection agency won't take me to court and garnishment company won't without. 5 ) I'm going to need a better rate on my automobile insurance and find a replacement for my XXXX XXXXXXXX XXXX, rust bucket, with XXXX miles and i can not move forward without a better credit report. 6 ) someone is not telling the truth or being on the level, and it isn't me.
10/27/2015	No	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 604XX	Web	Older American
I was contacted by XXXX XXXX XXXX and Blitt & Gaines law firms that were hired by XXXX to collect a debt XXXX claimed to have purcashed from XXXX XXXX XXXX. They summons me to court and I stated I needed proof they were the legal owners of the debt. At no time I entered into any agreement with XXXX XXXX XXXX XXXX XXXX. I requested the original signiture document showing proof of the purchase from the bank. They never provided it to me. It is my belief that XXXX XXXX XXXX XXXX XXXX violated my rights in accordnace with TILA. I was not given notice in writing as to the assignment made on the alleged debt or that XXXX XXXX XXXX XXXX XXXX was considered assignee.I do not have a contract with XXXX XXXX XXXX XXXX XXXX. I also believe XXXX XXXX I is in violation of the Fair Debt Collection Practices Act. They reported on my credit report I was in collections ahead of the case ever being settled in court. The Judge handling the case asked the law firms to produce the documents but they never did. The judge told me it did not matter because I owe the money to someone and even if they did not produce the documents on the next court date he would make a decision for me to pay XXXX XXXX XXXX XXXX XXXX the debt. I even tried to work out the debt amount with them since I was being forced to pay it and XXXX said they did not have a plan in place to reduce the XXXX I owed them. So I was forced to start paying them.
08/13/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60655	Web
I am working with a debt collection company XXXX XXXX, we are settling a debt with XXXX XXXX. They turned the debt over to Blitt and Gaines P.C. and they have been unresponsive to any sort of calls or offers to pay the debt monthly or settle the debt. They are bullying me and anytime I call they harass me and talk to me as theyre going to seize my assets, sue me and garnish my wages. Theyve sued me civilly already and are currently garnishing my wages, all without any notice or options to pay the debt in a timely or helpful manner. I am unable to pay the large lump sum of 100 % of the debt they are requiring to satisfy the debt that Im sure they did not acquire the debt for. Theyve also been holding onto this debt for so long and making it accrue interest! Were trying to pay this debt but theyre being unreasonable yet theyre continuing to make the total amount due higher and higher! I have multiple debts in consolidation they are 1 of 2 that refuses to settle, but the only one that is being aggressive and a bully while not allowing any movement! Their tactics are horrible and unfair and definitely bullying. Me and my family are struggling now with making payments on our current bills and paying debt consolidation monthly, were stretched extremely thin with my wife just starting to get back to work somewhat. They never took that as a factor the last 2 years during this pandemic
05/23/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	IL 60068	Web
Blitt and Gaines filed XXXX lawsuits against me without my knowledge. They did not send me any information of a verification of the debts or any validation notices. I did not know about the lawsuit in first case until I received a settlement letter after I contacted them for a XXXX XXXX account at the direction of XXXX XXXX in attempting to get a loan modification. The second lawsuit was mentioned in a response to a CFPB complaint. These are illegal tactics and on the internet you can see endless complaints occurring from this company. If XXXX XXXX had not directed me then I do n't know what they would have done to me or still might be doing to me since they are deceptive in their tactics. I will be a XXXX in a few years and I understand this can be ongoing for many years to come. I also do not have information of the outcome of either of these lawsuits from either Blitt and Gaines or XXXX XXXX, since no one ever sent me any correspondence in the mail. Furthermore they never sent any information of the actual debt they are suing me on, to prove that they actually have the right to sue, what the fees and charges are, how the breakdown is, etc. I have been trying to get information from XXXX XXXX since approximately XXXX, 2015 and there has been no response to any of the information I have requested in detail except for general repetitive form letters.
10/31/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60632	Web
My consumer rights under The Federal Trade Commission the FDCPA ( Fair Debt Collection Practices Act ) I XXXX XXXX and XXXX XXXX XXXX I demand copy of documents or contract. TO : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Minnesota XXXX 1 : Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, 2 : above name collectors never sent a collection letter to Plaintiff that included the required 1692g validation rights disclosure. 3 : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. 4 : The FDCPA ( Fair Debt Collection Practices Act ) specifically prohibits a debt collector from using false, deceptive or misleading representation in connection with the collection of any debt. 15 U.S.C. 1692e Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account charge off. Verification that this debt was assigned or sold to collector.
02/22/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60565	Web
On XXXX XXXX, I received a letter from Blitt & Gaines regarding a debt. The debt was in the amount of {$14000.00} and from XXXX XXXX. I have no idea what this debt is, so I responded to the letter with a certified letter asking for the amount and age of the original debt, the name of the original debtor, a copy of the last billing statement sent from the original creditor, if there were any payments made on the debt, and any interest, fees etc on the debt. They followed up with a letter stating the name of the original creditor was XXXX XXXX XXXX, and a different amount of {$14000.00} owed, an assignment of the bill of sale of the debt from XXXX to XXXX XXXX dated XXXX XXXX, XXXX, and a copy of a court document dated XXXX/XXXX/XXXX stating that the default amount of the debt from XXXX was {$9500.00}. I do not know the dates of the original debt, I was never notified of this court hearing and I am under the impression that this debt was paid in full to XXXX. I do n't remember having ANY contact with XXXX XXXX. I am still unclear what the {$5400.00} difference is in the amount owed and the current amount and I do n't feel I have a clear understanding where this debt came from and when the original debt supposedly went into default. I think this debt is beyond the statute of limitations in Illinois and is time-barred.
12/29/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 601XX	Web
I was sent via XXXX a letter from BLitt and Gaines for wage assignment in XXXX with a court date of XX/XX/XXXX. I went to court on that day and the lawyer for Blitt and Gaines stated my employer XXXX did NOT respond to the lawyers request for wage assignment and my case was to be forwarded to XX/XX/XXXX. Yet my wages are being garnished with NO court judgement against me. The lawyer stated to call my HR employer and state to them to respond to their request so that it can finalized in XXXX. I called Blitt and Gaines and the rep stated to be as of XXXX XXXX their office STILL DID NOT receive any type of notification from XXXX ( my employer ) to their request. I also stated to the rep at Blitt and Gaines I went to court to state my case and she told me it does n't matter anyway you do n't have any right to appeal the decision, it is just an option for you to show up and nothing can be done. XXXX did n't send me any notification of garnishment until XXXX the day AFTER I went to court. When trying to speak to representative at XXXX I asked to speak to a supervisor the rep there transferred me to someone else who was not a supervisor. I then asked to speak to a supervisor which the woman put me on hold for 10 minutes stated there was no one available and then hung up on me. I called back and was hung up again.
04/25/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60008	Web
On XX/XX/XXXXXXXX I just got served with an Alias Summons of a complaint was filed XX/XX/XXXX. The XX/XX/XXXX Complaint is signed by XXXX XXXX XXXX XXXX is serving someone with a complaint over a year old legitimate? How did they even get a Summons for a Complaint that is over a year old? The case number on the Summons is : XXXX and was filed XX/XX/XXXX. The XXXX is XXXX represented by Blitt and Gaines , P.C . This is for an old credit card amount the was written off by XXXX XXXX XXXX with an amount owed of {$1200.00} I'm not aware of any court that allows a complaint over a year old to be served on anyone. Is this legitimate? Wow, I'm sure many lawyers wish they could get a summons for a complaint that's way past time to properly serve. I'm not a lawyer. I'd have to represent myself BUT, I'm not sure this service is proper given the date on this complaint and the date of the summons. At any rate, I'm on unemployment since XX/XX/XXXX so, I don't have a way to pay this amount but, I do owe it but, would need to make small payments but, would like to settle to pay only half of it. The guy that served it BANGED on my door to serve this. I'm feeling intimidated by a law firm that's seems to be making up its " own rules for going into court.
11/17/2022	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	MO 652XX	Web
I received notice that Blitt and Gaines , P.C . filed suit in the XXXX XXXX XXXX XXXX XXXX XXXX Court Division in Missouri. Case # XXXX. They were suing for {$1700.00} on XXXX XXXX XXXX XXXX XXXXXXXX for an alleged credit account debt on an account that was opened in XXXX in North Carolina. Blitt and Gaines stated in their filing that the last payment was made on XX/XX/XXXX. The suit was filed on XX/XX/XXXX. This would be approximately 3 years and 3 months since the last payment was made on this account. North Carolina Statute of Limitations on credit card debt is 3 years making this suit time barred. I advised the Blitt and Gaines and the Court of this fact in my response to the suit. Had case continued and then appeared for a court date but the court continued the case. I advised all parties that I was a XXXX XXXX and due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was unable to attend the next court hearing and the court denied a continuance and a default judgment was entered. Regardless of the validity of this debt it was time barred and I believe Blitt and Gaines used the Missouri Court system to collect a debt that the Missouri Court had no jurisdiction over and actually succeeded in their attempt to manipulate the court.
04/20/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60156	Web
I am writing to file a complaint against XXXX XXXX XXXX for their fraudulent attempt to collect a debt that is not mine. I have reason to believe that this debt is the result of identity theft. I have requested that the creditor prove that this debt is mine, but they have been unable to do so. Despite this, they have threatened to garnish my wages. I have taken all the necessary steps to protect my identity, including notifying the credit bureaus and filing a police report. However, I have received a notice from XXXX XXXX XXXX claiming that I owe them a debt. I have repeatedly asked them to provide proof of the debt, but they have not been able to do so. Furthermore, they have threatened to garnish my wages if I do not pay the debt. This is causing me a great deal of stress and anxiety. I am unable to pay this debt as it is not mine and I do not want to have my wages garnished. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX XXXX. I am also requesting that XXXX XXXX XXXX be required to provide proof of the debt and that they cease all collection activities until they can prove that the debt is mine. Thank you for your attention to this matter.
05/09/2016	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	MO 65802	Web	Servicemember
On XXXX XXXX, 2016 I received a letter postmarked XXXX XXXX, 2016 and apparently pre-dated XXXX XXXX, 2016 from Blitt and Gaines , P.C . This letter was on a mix of old addresses and my current address. Blitt and Gaines claimed to have been retained by XXXX XXXX XXXX, yet XXXX would have had an accurate address for any debt allegedly owed. Blitt and Gaines ' letter states clearly " attorney at law '', yet federal court cases illustrate they are a debt collection entity based on their activity. I have forded Blitt and Gaines plenty of time to validate this debt as well as provided a letter challenging the validity of this debt and their patently false claims of being retained by XXXX XXXX XXXX. I have received NO such validation, nor proof that they are retained by XXXX XXXX XXXX as requested and given their bad address as of today, XXXX XXXX, 2016. I have a copy of their letter, my letter to them, and tracking information showing it was delivered. I also should have the return receipt card at home. Since this is now a clear violation of the Fair Debt Collection Practices act as well as Missouri statute, on several counts, their letter and refusal to validate are now actionable as well as harassment.
06/12/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IN 46383	Web	Older American
On XX/XX/2022 I received a summons for a debt to which I had contacted the debt collector twice informing them that I am a Social Security XXXX recipient. I even forwarded to them copies of my Social Security Award. I responded to their summons with an Answer and Counterclaim, I also attached copies of my communication with them showing my communications ( 2 ), and Exhibits showing actual communications, where their letter informed me to send these communications, Social Security Award letter. I mistaking thought that when a debt collector pursues you even after your have filed a dispute showing you are judgment proof, they were violating the rules of FDCPA. I asked for strict liability damages of {$1000.00} in my counterclaim filed with my answer. The debt collector responded with a Motion to Dismiss my counterclaim since they did not break the FDCPA rules. All documentation has been attached showing all of the above. All exhibits are included my official Answer to their complaint. Can you please help me? I now have a lowered credit score because of this, and I followed the rules. I am not well and informed them of this.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60632	Web
SINCE XXXX XX/XX/XXXX TO XXXX XXXX XXXX CFPB I am demanding proof of contract not computer created statements because they have only sent me copies of statements that I don't even know where they came from or who they are from in a computer you can create mani things like robo signatures I am demanding proof of contract I am demanding proof of contract I am demanding proof of contract they don ; t show proof of contract because they don't have one This is my eighth Qualified Written Request, for proof of claim Dated XX/XX/XXXX. Like on Previous letters advice that BLITT AND GAINES, PC. should fail to produce proof of claim within 30 days ; they will have exhausted their administrative remedy under a private administrative process and tacit agreement, BLITT AND GAINES, PC. failed to provide any documentation, original wet ink signature contract note specifically including records transferred from any previous lender or Bank. And BLITT AND GAINES, PC. ignore my demand and instead supply false untrue forms in pursuant of USC Title 18, part1, chapter 101 2071. USC Title 18 Part1, Chapter 63 1341, 1343, 1345, 1346, 1349.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60632	Web
SINCE XXXX XX/XX/XXXX TO XXXX XXXX XXXX CFPB I am demanding proof of contract not computer created statements because they have only sent me copies of statements that I don't even know where they came from or who they are from in a computer you can create mani things like robo signatures I am demanding proof of contract I am demanding proof of contract I am demanding proof of contract they don ; t show proof of contract because they don't have one This is my eighth Qualified Written Request, for proof of claim Dated XX/XX/XXXX. Like on Previous letters advice that BLITT AND GAINES, PC. should fail to produce proof of claim within 30 days ; they will have exhausted their administrative remedy under a private administrative process and tacit agreement, BLITT AND GAINES, PC. failed to provide any documentation, original wet ink signature contract note specifically including records transferred from any previous lender or Bank. And BLITT AND GAINES, PC. ignore my demand and instead supply false untrue forms in pursuant of USC Title 18, part1, chapter 101 2071. USC Title 18 Part1, Chapter 63 1341, 1343, 1345, 1346, 1349.
09/09/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NV 89101	Web
XXXX Contacted XXXX Reported fraudulent Web site XXXX Reported Fraudulent Business operating illegibly to XXXX XXXX XXXX Contacted Bank to dispute over XXXX in withdrawal of funds They only had a phone number - no other information XXXX Contacted Blitt and Gaines ( company is in Illinois on paperwork ) NO evidence of amount owed or proof of debt Illegally filed in Arizona which violated FDCPA laws- State and Federal laws were violated as there is no Garnishment of Bank accounts allowed XXXX Contacted XXXX XXXX XXXX XXXX, AZ Superior Court Records Dates for case dated in XXXX do not match case number on fictitious paperwork. NO such Judge or Clerk residing XXXX Contacted Superior Court Records department - Discussed inconstancy with dates in comparison to Case and paperwork Materials appear to be falsely used - Garnished Bank funds including Checking and Savings accounts Violated FDCPA laws- Violated the timeframe according to the Statute of limitations is deemed to have expired. The debt collector attempted to sue me on a debt where the statue of limitations expired- please have this dismissed!
03/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46410	Web
XXXX filed for bankruptcy. XXXX received a letter that I owed estimated {$1300.00} for XXXX XXXX credit card under a different last name but with my info. Disputed it and explained that it was not my debt because I have none. I mailed back paperwork and on posted note asked for proof of debt. Didnt receive anything until months later received mail that I returned to sender. Since it was not my mail I was not going to open it. Time passed Im getting sued. Called lawyer office asked for proof of debt and was told It would be sent out. Didnt receive anything until weeks later received paperwork from sheriffs office. I mailed papers back to court And stated I would not be showing up because they sent the wrong person the wrong papers. Forward to present day, This attorneys office is trying to garnish my wages. I once again asked for proof of debt and explained to them I asked previously which they are denying I did not. I was sent a letter that still does not show proof of debt. All the information that I received was through the paperwork from the sheriffs office and never from any debt collector.
11/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IL 60543	Web
Blitt & Gaines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The law firm listed above sent me a letter saying I owed them {$2500.00}, dated XX/XX/XXXX. I sent a response ( certified mail ) dated XX/XX/XXXX asking them NOT for " verification '' of the supposed debt but for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 U.S.C 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. They did not respond with a validation but rather a verification in a letter dated XX/XX/XXXX. This went back over the course of months. They finally sent me a third letter dated XX/XX/XXXX which, again, was not a validation of the debt but only a verification of the debt. I responded in a third notice dated XX/XX/XXXX asking them NOT for " verification '' of the supposed debt but for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 U.S.C 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. They have done nothing to prove validation of this debt. They are now suing me in the circuit court of XXXX XXXX in Illinois, case number : XXXX.
02/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60613	Web
I was sent a Wage Deduction Notice from a Law Firm named Blitz and Gaines, P.C. on XX/XX/XXXX. I contacted the debt collector early XX/XX/XXXX. I had spoken with someone at extension XXXX. I was not ever aware of a XXXX XXXX Credit Card account of any sort. Allegedly, I opened account # XXXX on XX/XX/XXXX and the account was sent to collections on XX/XX/XXXX & I have two accts on file.I was not aware of these accounts until XX/XX/XXXX from XXXX XXXX customer rep, XXXX XXXX & when I contacted the law firm responsible for this account. I gathered the following information. * XX/XX/XXXX, I allegedly communicated that I disagreed with payment & made payment plans. * I was served XX/XX/XXXX * Documentation was sent to my address on unspecified date * Settlement amt sent to my home on unspecified date The other XXXX XXXX account number is XXXX. I filed a Deceptive Practice Credit Card Report # XXXX. XXXX XXXX is currently investigating the acct now.I have placed a fraud alert on all 3 credit bureaus. I will do whatever it takes to prove that this is not my account.
05/13/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	IN 463XX	Web	Servicemember
Hello, i was sued by XXXX XXXX service back in XXXX of 2018. They sent a letter to garnish my wages. I have made several attempts to work out this debt with a better payment option than a 25 % garnishment. I spoke with the XXXX firm through their online system and also the phone. I am a fulltime XXXX student with XXXX children, my hours have been reduced due to school and now with the current situation. I am only working about 10 to 20 hours a week. The loan was for approx {$4500.00}, and they won the case for nearly {$14000.00}. I tried to get it reduced by paying a lump sum, and they refused. I also had endurance on my loan that only paid {$930.00}. I wanted to get them to update my credit to show this payment and have gotten ignored. This has been an ongoing issue with the firm, and its already been are to make any money to survive as is. I am sadly contemplating bankruptcy, so I have some kind of breathing space. They used a secure messaging site that no longer has our communications. I am unsure if there stopped using the service.
02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 630XX	Web
Blitt and Gaines , P.C . sent me a collection notice in the mail about a debt I allegedly owe and on the collection letter it clearly states that they are a debt collector please see attachments. I responded to the collection disputing the alleged debt with a cease and desist of all collection activities and removal of all accounts from my consumer files along with Affidavit of truth. I submitted this dispute via certified mail as well as via email. they responded via email telling me to contact XXXX XXXX but XXXX XXXX is not reporting on my consumer file they are, and XXXX XXXX did not send me a collection notice they did. blitt and gaines claim i owe a debt but i do not because i never signed a contract with them they are committing fraud and pretending to be someone they are not, and they have several violations on their collection notice they have not furnished me anything that i have asked for in my attached documents. there are so many consumer law violations.
03/05/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 601XX	Web
I was sued by blitt and Gaines for an old discover card bill. Due to me not knowing my rights I didnt properly handle things which led to a judgement and subsequent garnishment. The garnishment completed over {$9000.00} and now they have sent correspondence threatening to garnish AGAIN for the same debt. This notification does not even tell me how much they are trying to take. They are going to court to obtain garnishment on a debt that has already been paid!! This is so unfair I called them and the representative had a very nasty attitude and would not explain to me why they are seeking additional money. The case number on both garnishments is the exact same!! They never provided validation of this debt. They are violating 15 USC 1681 as they never provided proper documentation to validate their right to collect in the first place. Im trying to buy a house and a judgement on my name does not look good. Im distraught, I dont know what to do please help
04/10/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60516	Web	Servicemember
XXXX ( XXXX ) Credit card refused issue a chargeback of $ XXXX from a company that is being shutdown by the FTC for fraudulent activities. XXXX stated during the dispute process that even though there was a refund period, that I was outside the refund request timeframe. Yet other creditors like XXXX XXXX did provide the chargeback for the same amount in XX/XX/2017. I provided email chains citing the Merchant XXXX who was working with XXXX, did not reply in a timely manner to answer my request for a refund and therefore stated I was outside the " all sales final '' period of 3 days. The services for the $ XXXX was for a business start up to travel to one of their resorts which I never did. XXXX is now suing me for over $ XXXX while the FTC has an open lawsuit against XXXX. I'm now having to retain a lawyer to fight the creditor XXXX. I have not been served from the Sheriffs office, but law firms are writing me about the open lawsuit.
10/17/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IA 526XX	Web
Blitt and graines file a judge against me in XXXX XXXX Iowa. There was no notice about the debt being moved to company. I did not get a letter stating that they took it over. I did not get a letter stated that I had the 30 days to dispute it. They went straight to a judgement. I settle the debt and paid in full if given the proper notice it would have not gone to the courts to start with. Attached is the court order and receipts that shows that the law firm is the one that was handling the debt. This is the only letter that was ever received from them. Was not given the chance to have a 30 day dispute that shouldve happened. No papers received to dispute the debt from the lawyer before papers were sent to court Court drawer paper work XX/XX/2020 Amount XXXX Settled paid in full- XX/XX/XXXX. Again if the proper steps were taken by the company there would have never a judgement and the debt would have still been taken care of.
05/18/2016	Yes	Credit card	Other	IL 620XX	Web
I received a credit card in XXXX it went to collections. In XXXX XXXX filed a small claims for XXXX but i never received notification to go to court. In XXXX they filed a nonwithholding wage deduction my employer. My employer sent it back and said i dont make enough to garnish. Now in XXXX they are sending garnishments to my work. No phone calls at home or letters just wage garnishments to my job. I called to settle for half but they will not budge on the amount and i need to pay XXXX. They are stating interest grows on this every month per the state of illinois. Is there a statue of limitation of this old debt. They told me to borrow money to pay off my debt.. ( I heard if you start paying on old bills that it will reopen and they can open case up and collect money. ) If i go into payment plan they want all my personnel information. How do i Know this is a legit company trying to collect debt after 15 years.
08/15/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 60643	Web
On XX/XX/2021, I received a letter from Blitt and Gaines PC dated XX/XX/2021 stating that the debt has been retained by XXXX XXXX so I responded to a letter requesting for validation of debt respectfully. I have asked for this info : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe you ; -Provide me with copies of the original instrument of indebtedness that show I agreed to pay you ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. but I never received any of these. Also, the amount they said I owe is different from what's on my credit report if it is the account they are talking about, still I want it to be deleted.
01/27/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ 85022	Web
Hello my name is XXXX XXXX, I have received a numerous letter in the stating I have been subpoena and have and have to show up yo court, but never gave a date nor time. The on Wednesday XX/XX/ A man showed up to my house when I wasn't home. My wife answered to door and ask if I was home and my said " No '' the this unknown ( who never identified himself ) Stated ( to my wife ) " These papers are for XXXX he's been served " and then hands the papers to my wife. The man did threatened to freeze our bank account and garnish our wages. I then call the number provided and was answered by someone who claims to be a lawyer and he said if we didn't pay the debt they will continue to show up at our home and place of work. My wife and I are at a lost and we could really use some guidance. The name of the company BLITT AND GAINES P.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IA 501XX	Web
My wages started getting garnished without any notice whatsoever. No voicemails, no letters in the mail, nothing. Then out of nowhere they started taking hundreds of dollars out of my account every week. I never looked at my paystubs because they come in the mail, I just look at my bank app to see what was deposited. I took my short check issue to my supervisor because I thought they had messed up the payroll. When i opened my pay stub for the first time I had already paid almost XXXX dollars in a matter of weeks. I called them to try and work out a payment plan and they told me its already too late. Told them if this goes on for 3 months ill lose my house because I can not afford XXXX a month. " Still nothing we can do sorry '' only documentation I have of this garnishment is from my employer XX/XX/21 I didn't get the letter until the beginning of XXXX.
05/13/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 604XX	Web	Servicemember
I received a phone call from my HR department informing me that a wage garnishment was sent to them regarding a debt collection settlement. When I called the county clerk I asked about this case number. That is when I was informed that a court date was set for garnishment. I explained that I was never notified about a court date. The county clerk told me that I was served. I told them I was never served. The clerk told me the name of the person who was served. The person that was served was a XXXX XXXX XXXX kid, who is a minor, on XX/XX/XXXX and that a judgement in favor of the collection company was issued on XX/XX/XXXX. I never saw the paperwork. I never received mail. The address on the paperwork is not correct either. The court date set for garnishment is XX/XX/XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX {$1000.00}
10/14/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60448	Web
Blitt and Gaines XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX has revived a default judgement for approximately XXXX. The initial default judgement was issued in 2008, and as such 14 years has elapsed. I am unable to contact the original creditor, nor the agency/entity that claims to have completed proper notice of service. I was never served to appear for this debt and Blitt and Gaines dismissed my Motion to Vacate the judgement based on the claim that I was properly served a Notice to Appear. It should be noted that the original creditor no longer offers this financial product in my state and has/will not respond to inquiries. It should also be noted that this account has been handled by no fewer than three collection agencies and two law firms and I am unable to get information on the Notice to Appear document that was allegedly served.
06/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL XXXXX	Web	Older American
I have been receiving telephone messages from Blitt & Gaines, P.C. over the last several months regarding some kind of debt that they imply I owe. I usually ignore the calls but today I got fed up with the annoyance, knowing that I pay my bills on time and do not have any uncollected debts. Therefor, I contacted XXXX and checked my history, which appears to be totally fine. Then I contacted the law practice and spoke with XXXX XXXX. I stated that I did not owe any debt, had no knowledge of of any debt and requested that they correct their records and cease leaving me telephone messages. I proceeded to locate their office on the internet and sent them an email to the same effect. Finally, I contacted the Illinois State 's Attorney 's office, as well as your bureau, and made both agencies aware of my complaint.
06/01/2020	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	IL XXXXX	Web
I checked the mail today and I have a huge envelope in my mailbox from Blitt and Gaines , P.C . Keep in mind it's a pandemic on top of the cities are rioting. I've lost my maternal grandparents last week to XXXX. I'm trying to buy a house and I don't need this right now. I have this company reaching out to me, stating I owe a debt to XXXX XXXX XXXX. I've tried to dispute it directly with them. However they keep sending me just old XXXX XXXX bills.I 've never applied for this account I do not recognize this account and I need the following to validate this debt is owed by me, XXXX XXXX. I need a signed application of when I applied for this account I need a signed receipt of any merchandise that I received from this account. I DO NOT WANT THIS COMPANY TO SEND ME ANYMORE INVOICES OR STATEMENTS.
09/19/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL XXXXX	Web
XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. ARE FELONY RICO CRIMINALS, SO NOW XXXX XXXX SELLS MY INFORMATION TO ANOTHER CREEP THAT CAN NOT PROVE ANYTHING, WHERES THE MINUS SIGN THAT WOULD SHOW A NEGATIVE BALANCE, YOU XXXX XXXX ARE SO XXXX, THERES SUPPOSED TO BE A MINUS SIGN IN FRONT OF THE NUMBER YOU XXXX XXXX, furthermore i will swear under oath by penalty of perjury there is no debt, are you willing to do the same? in other words if the two criminals mentioned above are able to swear by oath under penalty of perjury this debt is valid and sign thier name to the affidavit i will pay them the full amount, they cant do it and WONT DO IT BECAUSE THIS IS ALL A SHOW, ITS PRESUMPTIONS AND LIES AND DECEPTION, THERES NOT EVEN A SIGNATURE FROM THE CLAIMANT, YOU GOT TA BE KIDDIN ME YOU XXXX XXXX XXXX
08/01/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MO XXXXX	Web
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mo. XXXX, and their attorney, XXXX XXXX, of Blitt and Gaines, P. C., Attorney at Law, XXXX XXXX XXXX, XXXX, IL., XXXX, are trying to collect on an alleged debt that has reached the status of State of Limitation and are trying to collect on a debt that XXXX XXXX XXXX, failed to validate upon request in XX/XX/XXXX. They are also trying to collect on an alleged debt from someone ( that being me ) who is retired and have been retired since XX/XX/XXXX, an entire year before XXXX XXXX XXXX made their first attempt to collect. Also, XXXX XXXX of Blitt and Gaines has committed fraud by advancing a writing ( a fake judgement ) that they know is false with its intention to be detrimental to me by use of interstate communications.
03/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 622XX	Web	Servicemember
Blitt and Gaines, XXXX XXXX, XXXX XXXX I had a XXXX XXXX XXXX XXXX.Card was lost..debt owed was acquired by XXXX XXXX Judgement was obtained against me on deceptive way..with my name wrong address..I was never notified to appear..default by failure to appear..Lein on my property as a result..in XXXXjudgement paid property sold in XXXXshould be end of story.., In XXXX XXXX XXXX acquired ownership of XXXXXXXX XXXX financial..now trying to collect under XXXX XXXX XXXX an old XXXX 's debt..that was already paid..bad book keeping..I have never done business with XXXX XXXX XXXX.. sperate entity from XXXX XXXX credit card company..this is all very deceptive..on the lawyers part..my name ..wrong address..judgement already paid..now trying to collect again..
01/22/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60543	Web
The descriptions provided for me did not really describe my complaint. The Law Firm of Blitt and Gaines infringed upon my common law copyrighted private property. I informed each of the partners in writing of this infringement and gave them time to respond. They did not respond in time and, therefore, accepted my terms as outlined in the notice by written communication. I then sent each of the partners an invoice for the amount of infringement. I have not been paid. This means that they did not report the claim to their bonding company which is a felony. Not only did they not report this but they continued infringing on my property for which I will submit another invoice. I just want to get the first part of this issue resolved.
03/23/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 61108	Web
I have been taken to court ( 3 appearances since XXXX XXXX ) by Blitt and Gaines PC on behalf of a XXXX XXXX. I initially requested a hardship consideration as my house had just burned down and I was not prepared to have to answer to this. I have not heard anything from them in regards to this, and after the 2 appearance, I sent them an email requesting documentation of this debt and have not heard anything. At my last appearance they said they are still working on it. I emailed them again and still have no response. My credit report shows the last payment on this account was in XXXX XXXX, which I believe is past the statute of limitations and this should be dismissed. The name on their account is XXXX XXXX ( previously married name )
12/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 60560	Web
Hi, i received a notice from my employer that a wage garnishment was sent to them that I owed for {$580.00}. The debt was {$260.00} and with fees increased to {$580.00}. This was from a debt in XXXX that was settled/repayment agreement. This was paid years ago. Per court records, the plaintiff reopened & was issued a judgement in XXXX. I was not notified/contacted by anyone in regards to the debt. Ive received no documentation to the validity of this additional amount owed and that the case had been reopened. This is unjust and unfair to do to a consumer. I moved in XX/XX/XXXX and find this to be deceptive business practices. If the plaintiff had attempted to contact me & validate that I owed {$260.00}, I would have paid.
03/23/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60473	Web
I opened a XXXX XXXX Credit Card in XXXX, and kept my account unused when I was notified that my account was closed. This year ( in XXXX ) I was served a notice to court to either appear for or pay past due balance of {$2300.00} from Blitt & Gaines, PC ( a bill collecting attorneys office ). When I contacted XXXX about the issue and the fact that had no idea about the charges to my account and therefore had no knowledge to take actions against the apparent fraud against my account I was told that there was nothing they could do because they had sold the account already. When I got in contact with the dept collector, they told me that there was nothing they could do but settle for an amount that was more than {$1400.00}.
07/19/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 618XX	Web
I mailed a letter requesting validation of a debt that is listed on my credit report by XXXX XXXX, XXXX ( attached ). The letter was sent by certified mail and the return receipt indicates that it was accepted for delivery on XXXX XXXX XXXX XXXX attached ). I specifically requested they cease and desist from contacting anyone except for me, and to only contact me in writing at my current address included in the letter. On XXXX XXXX XXXX, Blitt and Gaines, P.C., Attorneys at Law mailed a collection letter to an address that I have not resided at in several years. In the collection letter ( attached ), Blitt and Gaines claim to have retained XXXX XXXX to collect the account for which I requested validation.
01/09/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IL 60085	Web
I sold my house in XXXX, and realized that a debt that I had paid off years ago was still listed as a lien on my home. The title company is holding money until a release is issued in a recordable form. My attorney at XXXX XXXX has called repeatedly and is always told that it has been filed, will be filed, will be sent to them, and it has not been taken care of. Today they attempted to speak to a supervisor and was given a non-attorney XXXX XXXX who hung up on the attorneys office after she attempted to explain we have been getting the run around for months. The title company is holding {$12000.00} of my money for a debt that was paid off years ago. ( Blitt and Gaines Admits that it was paid off )
12/10/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL XXXXX	Web
According to the lawsuit there are to 2 CREDITORS There 's XXXX XXXX XXXX & BLITT AND GAINES , P.C . I do n't know who the DEBT originated from. I only get XXXX hours with XXXX 'S with a wage of only {$9.00} per hour! I never worked for XXXX XXXX XXXX, Also XXXX XXXX XXXX & BLITT AND GAINES. P.C. is asking to me to pay {$6800.00}! That 's equivalent of earning {$4.00} per hour! I pay an AUTO LOAN about {$450.00} per month. So that 's $ XXXX- {$450.00} per month and the leftover is {$390.00} per month or Annual Salary of {$4600.00}. Since this is my livelihood is {$4600.00} per year ; I will get a negative balance of {$4600.00} - $ XXXX= -XXXX! I ca n't pay the $ ( -XXXX ) since I am negative!
12/07/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL XXXXX	Web
According to the lawsuit there are to 2 CREDITORS There 's XXXX XXXX XXXX & BLITT AND GAINES , P.C . I do n't know who the DEBT originated from. I only get 25 hours with XXXX XXXX with a wage of only {$9.00} per hour! I never worked for XXXX XXXX XXXX, Also XXXX XXXX XXXX & BLITT AND GAINES. P.C. is asking to me to pay {$6800.00}! That 's equivalent of earning {$4.00} per hour! I pay an AUTO LOAN about {$450.00} per month. So that 's $ XXXX- {$450.00} per month and the leftover is {$550.00} per month or Annual Salary of {$6600.00}. Since this is my livelihood is {$6600.00} per year ; I will get a negative balance of {$6600.00} - $ XXXX= -XXXX! I ca n't pay the $ ( -XXXX ) since I am negative!
10/31/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IL 60634	Web
I got an email from my payroll dept regarding a wage garnishment. The company Biltt and Gaines, P.C. located at XXXX XXXX XXXX XXXX, IL XXXX Ph : XXXX fax : XXXX. Case No XXXX XXXX XXXX for debt collection and wage garnishment of {$8000.00} from credit acceptance from XXXX. I have never owned a car until XXXX nor did I have a Drivers license at the time. I do not know how this was possible but I have a suspicion it was my ex-boyfriend who is currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the girl he was cheating on me with are the ones responsible for this. I am going to file a police report but this company is trying to garnish my wages. help.
07/10/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 628XX	Web
I was sent this harassing collection letter today after I already made it clear to XXXX to Cease and Desist almost a year ago!!! I am not paying it and can not as I have been taken off work on a medical XXXX leave for the last 11 months which is UNPAID leave from my job at XXXX XXXX XXXX XXXX XXXX!! I have XXXX savings, XXXX assets and no income and have not had any income for almost a year!! I do not know when I will be returning to work or if I will be able to at all! I am XXXX yrs old and was taken off for XXXX XXXX XXXX with XXXX symptoms! I have attached another Cease and Desist letter for you to give them as they ignored the last so want all on file with your office!!
10/31/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 60525	Web
Back in XX/XX/2018, I tried to re-write my Loan with XXXX XXXX. After several calls, To check the status..approx. 75 days later I still had not received a approval or denial. After finally making a complaint with XXXX customer service. I received a denial on the re-write.This being almost 3 months later. XXXX did contact me in writing stressing being at fault, not how they usually handle customers. Well I was told not to pay any payments while in review. This putting me behind in payments 60 days or more. Well XXXX sent it to a collection agency as a written off debt. XXXX informed the collection agency to work out a payment arrangement. Well This has yet to be done.
03/22/2017	Yes	Debt collection Auto	Taking/threatening an illegal action Attempted to/Collected exempt funds	IA 52241	Web
I had a judgement against me in XX/XX/XXXX from a auto loan. They repo 'd the car and still want paid the entire price of the loan and int. They also did not bother to show to court for the judgement, but the judge apparently stood in for them. As of Wednesday XX/XX/XXXX my checking and savings accts were froze. The funds of {$3100.00} that were in my savings, were part of a federal student loan refund that I have proof of day of deposit and a financial aid statement. The bank refuses to lift the freeze. Please point me in the right direction please. I am attending school and working part time and losing those funds would and are causing financial distress. Thank you
01/12/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60544	Web
The court issued an order of wage deduction on XXXX XXXX, XXXX for {$56000.00} debt owed to XXXX XXXX XXXX XXXX XXXX, although I received a XXXX from XXXXXXXX XXXX for tax year XXXX cancellation of debt XXXX. The XXXX was sent to the creditor attorney. As of XXXX/XXXX/XXXX the balance due according to the creditor is {$54000.00} although I received XXXX ( XXXX ) for {$5200.00}. It does n't appear the amount is decreasing as it should. The judgment amount continues to accrue interest, no statements of explanation has been provided to me. The original loan amount from XXXX XXXX XXXX was {$25000.00}, XXXX XXXX did n't provide how the amount increased to XXXX
09/09/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IN 46368	Web
Second complaint against the company. Garnishment for around XXXX on a bogus debt, agreed to stop the garnishment a month ago and I am still being garnished. Representative from Blitt and Gaines claims they have two other accounts of mine assigned to them and that they are using the one garnishment to pay all 3. I do not know what possible other accounts they have of mine but there is no garnishment orders for the other two and they have not validated these also. They completely lied to you in response to the first complaint. AS you see the attached shows the amount that has been garnished to this point is almost XXXX dollars more than the court order.
11/10/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 60108	Web
Blitt and Gaines XXXX XXXX XXXXXXXX XXXX the number on the credit card was stolen I was notified by XXXX of this they cancelled out the number were supposed to send a new card never did continue to pay amount on bill then XXXX stop accepting payment then they blow the amount to {$5700.00} dollars you try to explain the situation then the finger pointing starts with XXXX and XXXX XXXX Blitt PC and I'm caught XXXX XXXX middle all they have to do is look in there computer and they will see it but again neither one will do that my wages are garnished now which is wrong they dropped the ball not me.you can't talk to neither of these XXXX right now
04/29/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	IL 60068	Web
Blitt and Gaines represented they could take a settlement agreement for XXXX XXXX. They required that I provide bank account information so they could withdraw money for one year. They never gave me any proof of the debt, they never gave me any receipts for payments, they withdrew money without my permission and amounts without my permission and times without my permission and XXXX XXXX has not been able to produce any information regarding these payments. They withdrew over {$6900.00} and no one can account for this and I still owe money now without any information on why I owe or where the money I paid went to.
09/02/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60016	Web
The following attorney group has been making consistent false attempts to collect a credit card debt for the following, ( XXXX XXXX XXXX, XXXX ) which is no longer due/relevant. The amount they are attempting to collect by harassing false letters and phone calls is past The statute of limitations in Illinois. This firm has been contracted several times before by your Consumer Financial Protection Burea, but yet they continue to harras me by mail and phone. Please assist me in this matter and make this firm stop harassing me, please. Blitt and Gaines/Attorney at Law XXXX XXXX XXXX XXXX, IL. XXXX XXXX
03/31/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60621	Web
Blitt and Gaines for XXXX XXXX sends me a letter XX/XX/XXXX stating they are suing me for a debt that judgement was made against me back in XX/XX/XXXX. I wrote them and asked them not to contact me again and I looked on the XXXX XXXX circuit court and they resubmitted something to the courts recently with an incorrect date of XX/XX/XXXX trying to re age the debt that has exceeded statue of limitations. XXXX XXXX kept telling me they had no record of what I was talking about and this has been removed from my credit report. I was fired from a job inXX/XX/XXXX because they tried to garnish my wages.
03/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60077	Web
To whom it may concern, Account # XXXX No. XXXX XXXX XXXX I have been getting harass and threatened to be sued by Blitt and Gaines P.C Attorney at Law about a debt that I have asked to be validated multiple times which they have come back with bank statement in which under the fair debt collection practices is not enough. In addition I also checked my credit reports and this account number does not show as any negative account in my reports. I will attach all the documents that I have sent to them with all the dates and tracking number proving that they have received all my letters.
11/26/2016	Yes	Credit card	Credit card protection / Debt protection	KS 66208	Web
On XX/XX/2016, I received a dunning letter signed by an attorney on Blitt and Gaines , P.C . stationery. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he validated the alleged debt. The attorney filed a lawsuit on XX/XX/2016 against me within the thirty ( 30 ) days. I have had to defend in court while another Blitt and Gaines attorney continues to send dunning letters without proper validation. In court, the attorney for plaintiff is shifting the burden of proof onto myself.
11/12/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MO 631XX	Web
This law firm has harassed me about a debt that has not been validated by any means. They have failed to show me the original contract that I signed in ink. An electronic signature, bank statements, or anything that does not show the original agreement between XXXX XXXX and BLITT AND GAINES or XXXX XXXX XXXXXXXX XXXX This is fraud on their behalf. They are acting on the behalf of a dead corporate entity ( XXXX XXXX ). I am still receiving harassing letters by BLITT AND GAINES saying I owe the alleged amount. I owe nothing because I am the original creditor.
03/14/2016	Yes	Debt collection Credit card	False statements or representation Indicated shouldn't respond to lawsuit	IL 610XX	Web	Servicemember
I tried to settle debt with Blitt and Gaines. They said I would have 60 days to satisfy this debt. I requested they send me info so I can make payment. However, they went back on their word of 60 days and only gave me 26 days. I have proof of email from them stating 60 days to pay and will send it to you. They are dishonest and should not be able to treat consumers this way. I have XXXX kids and a very ill husband who is having XXXX this month. 60 days would have worked but now I have only 16 days to come up with payment or it goes to court. They said XXXX!
07/19/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MO 63135	Web
On XX/XX/2023 I sent a debt validation letter to Blitt and Gaines, P.C located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mo XXXX. Phone number : ( XXXX ) XXXX TTY : XXXX. They have failed to respond but continue to pursue me in court. I then mentioned in court that they have not complied with the FDCPA. Their response was that their debt collection firm doesn't have to observe this law. On XX/XX/2023 I sent another debt validation letter via email to Blitt and Gaines, but they've fail to respond once more. Blitt and Gaines continue to pursue me in court.
04/26/2016	Yes	Credit card	Delinquent account	IL 60617	Web
I have a consumer debt with XXXX XXXX that is being collected by Biltt and Gaines, P.C. Biltt and Gaines currently has a summons for me to return to court on XXXX XXXX, 2016 to pursue the action of garnishing my wages. I 'm currently unemployed and receive XXXX from the state of Illinois. Somehow they have managed to identify my employer XXXX while I do XXXX to this company I do not get paid nor am I employed by them. They have been calling the company to seek wage garnishments and have been told on numerous occasions that I am not an employee.
06/09/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	IL 60068	Web
On XXXX XXXX XXXX accounts with Blitt and Gaines I did not receive a validation letter or any correspondence regarding the accounts. They did not offer a settlement letter or any proof that they had any authority to file any lawsuits. When doing research online the law firm has posted information that they do not like to send out letters since it is not cost effective to do so and opens them up to possible FDCPA violations and litigations. There were XXXX accounts in question so that makes XXXX separate complaints for their violations.
03/14/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	KS 66208	Web
Collection I received a dunning letter signed by XXXX, an attorney. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he validated the alleged debt. The attorney filed a lawsuit against me within the thirty ( 30 ) days. I have had to defend in court while another attorney continued to send dunning letters without validating the alleged debt. In court, XXXX, the attorney for plaintiff is shifting the burden of proof onto myself, the defendant.
07/17/2017	Yes	Debt collection Federal student loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 61832	Web	Older American, Servicemember
Blitt and Gaines, LLC of XXXX Illinois placed and illegal garnishment on my wages using false statements and document from th e Circuit Court of XXXX County, Illinois. They have included form that are not legal court documents. The amount is XXXX for a student loan that list XXXX XXXX XXXX , XXXX XXXX ( XXXX ), and XXXX XXXX XXXX , XXXX XXXX XXXX XXXX as collectors.Then garnishment start date was XXXX XXXX , 2015. I have the court document to support the illegal garnishment.
09/07/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	IL XXXXX	Web
The cfpb is currently suing your company/respresented company. Per a consent order filed, all collection activity must stop and all funds must be held in an escrow account until a settlement is reached. As of XX/XX/XXXX, a wage disbursement order was faxed over to my employer XXXX XXXX, requesting that funds be withdrawn from my paycheck and mailed directly to your company. I have no been notified of any settlement reached. If none has been, then this is a violation of the cosent order in place.
10/31/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 644XX	Web
This law firm is the most aggressive there is. Even after hiring a paralegal to handle this case, the firm still wouldn't negotiate and continues to threaten a lawsuit against us for a debt created over 5 years ago. They required payments immediately or we're trying to sue and garnish wages. We ended up paying over $ XXXX a month to get them to stop hurting our names and trying to take us to court over this. They are the worst company we've ever heard of. XXXX flexibility or negotiation here.
10/17/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60018	Web
They never told me I have a right to dispute also I sent them a debt validation letter I asked about information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g The document they sent me the judge name and date is not on there its blank it looks they put there name on because it's from 2013 why would they just now contact me about it. Another collection contacted me about this before they didn't provide any proof they own this debit
10/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60629	Web	Servicemember
In the recent days I received mail stating i was to be in XXXX session for a court hearing for an amount of XXXX. I am not sure if all this is a type of scam. When I called the number on the paperwork, the represenative that answered was rude and hung up on me. The prompt said the call was being recorded. I did look up this company Blitt and Gaines and it looks to be a debt collector. I am a Military Veteran and I have heard of so many scams going on. Please help. All the best, Thank you
11/09/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30101	Web	Servicemember
I have old auto debt from 2007 and my car was voluntarily repossessed. My father was the co-signer and they keep harassing my father. He is not employed. They have filed a judgement against him and they were taking money from his checks when he was working. My father is very XXXX and I am not employed either and Blitt and Gaines continues to harass us by sending us court papers to try to collect this old debt. We do not have this money. They already have the vehicle and have resold it.
06/08/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 65804	Web
This firm XXXX XXXX XXXX, XXXX / BLITT AND GAINES, P.C filed judgement against me on XX/XX/2010. I have paid them over XXXX on an original judgment of XXXX they sent me a new judgment amount showing I still owe XXXX ( see attached statement ). They have issued a garnishment against my wages that jeopardizes my employment and my ability to pay my month debts. I tried in the beginning to pay this amount directly to them versus garnishment and they would even respond.
04/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IL 60402	Web
BLITT and GAINES, P.C, in XXXX Illinois is trying to collect on a debt that was under XXXX XXXX XXXX or XXXX XXXX XXXX XXXX This debtor was notified that I had filed for bankruptcy by my attorney I have tried to contact BLITT and GAINES but always get disconnected and have now been served with a summons They are trying to sue for a debt that has been discharged by BANKRUPTCY XXXX XXXX XXXX was informed of my bankruptcy by my attorney and / or representative
07/25/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IA 515XX	Web
On XX/XX/2023 I sent an email to XXXX disputing debts in letters from Blitt and Gaines dated XX/XX/2023 and XX/XX/2023. In that email I asked them to verify the debt and to stop contacting me. On XX/XX/2023, I was served an Original Notice for one of these alleged debts saying Blitt and Gaines was suing me in XXXX XXXX, Iowa XXXX XXXX XXXX. On XX/XX/2023, I received a packet in the mail from Blitt and Gaines in an attempt to verify the debts.
07/25/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	IA 515XX	Web
On XX/XX/2023 I sent an email to XXXX disputing debts in letters from Blitt and Gaines dated XX/XX/2023 and XX/XX/2023. In that email I asked them to verify the debt and to stop contacting me. On XX/XX/2023, I was served an Original Notice for one of these alleged debts saying Blitt and Gaines was suing me in XXXX XXXX, Iowa XXXX XXXX XXXX. On XX/XX/2023, I received a packet in the mail from Blitt and Gaines in an attempt to verify the debts.
04/09/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IL 60077	Web
Beginning XX/XX/2019 Blitt and Gaines began garnishments which have been taken from paycheck and they state I owe XXXX. I have reached out multiple times with no response, this debt is inaccurate and was removed from my credit report years ago as it was resolved and not mine, but my ex-wife. This has been extremely disappointing and I can not afford to have this being taken out of my check, but employer has to based on your garnishment order.
10/21/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60018	Web
BLITT AND GAINES , P.C . sent me a letter sating I owe {$1800.00} and the amount from that creditor is {$1600.00} they are Attempting to charge an amount greater violates the Fair Debt Collection Practices Act ( " FDCPA '' ) and the XXXX Fair Debt Collection Practices Act. Also it's dated XX/XX/XXXX with no judge name or date on bottom. I didn't even open that account till XX/XX/XXXX and date of first delinquency was XX/XX/XXXXXXXX XXXX
09/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IN 47150	Web
I received an affidavit in the mail stating that I owe XXXX {$1000.00} from the year XXXX that I knew nothing about. Ive never order from XXXX before and Im trying to resolve this issue because theyre trying to sue me for {$1000.00}. I do believe that my social and my name has been tampered with fraud. I need help with this situation I can not afford to be sued my phone number is XXXX. If any questions email address XXXX XXXX.
04/27/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	IL XXXXX	Web
This company sent a letter i just recieved today in my p.o. box that was dated XX/XX/XXXX so just hearing about this tried to call to figure out what was going on there asking for my social advised i couldnt do that due to having fraud on my credit bureaus multiple times within the last few years denied giving me simple info when i gave information file number from the sheet. The company on here its claiming i owe them i dont.
09/02/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60619	Web
I have been sued by the collection XXXX XXXX XXXX they did not properly notify me of anything then I was told I was served back in XXXX at XXXX I wasn't even home so how was I served and then after that I never received any letters about court dates so now I have a default judgment. On top of that the amount is now higher I didn't get a fair chance to defend myself or protect myself there practice is so very underhanded.
10/04/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60411	Web
My checking account with XXXX XXXX XXXX was frozen on XX/XX/2022. When I spoke to representative for XXXX XXXX XXXXXXXX I was given very little information as to why my account was frozen. After being transferred several times I was finally advised to contact Blitt and Gaines P.C. when I spoke to the debt collector they informed me that I had a debt of {$4500.00} for a credit card that I did not approve.
04/22/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 60016	Web
See Case # Case number : XXXX Please add and Re-vise- This debit which they are attempting to collect is past the amount of time to collect by Illinois law XXXX and this agency is selling-off my debit as a possible current debit with wrong info and amounts, without advising me with any info or proof. Rather they find it easier to harass by phone calls in the past- at all hours of the day.
08/05/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IA 515XX	Web
Blitt and Gaines has two civil suits against me in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was only served the Original Notice for one of the cases. In the case I was served papers on, Blitt and Gaines is representing XXXX XXXX XXXX. XXXX XXXX XXXX is representing XXXX XXXX in the other civil case against me. I was not served an Original Notice or paperwork of any kind for that case.
03/14/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 60638	Web
Blitt and Gains did not send notification to dispute dept also the dept in question is older than 8 years so the sod is up but it does not say they can not sue on the letter which is misleading. This dept was also re aged by different creditor to the year XX/XX/2017. My last 4 digits of my social security are XXXX I was not able to put them in on my mobile phone in the car next step.
05/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IL 60068	Web
Blitt and Gaines did not send me a letter of a right to dispute a debt of a XXXX XXXX card. They are lying in response to a complaint filed by me XXXX. Response was in writing by XXXX XXXX of the company. They did not attach a copy of the letter they supposedly sent to me in their response. I never received any correspondence by the firm to myself in regard to a XXXX XXXX account.
12/01/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 622XX	Web
In a previously issued complaint, XXXX, XXXX XXXX XXXX only provided information to falsely support 1 loan the collected on. But failed to confirm that they are still illegally garnishing me for 3 more loans. Despite the fact the company they are collecting for, XXXX XXXX XXXX, was ordered to stop all collections. They also did not correctly address how they improperly served me.
06/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60448	Web
Blitt and Gaines p.c is saying I owe this amount to XXXX MasterCard. I asked for proof that I owed it on XX/XX/2021. On XX/XX/2021 they sent a letter stating.we expect to complete our review and any research my XX/XX/2021. On XX/XX/2021 they sent a letter stating they need more time for research. And since then I have received letters every month stating they need more time.
08/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 607XX	Web
On XX/XX/XXXX I received a letter from debt collector file number XXXX stating that I owed {$5500.00} from the original creditor XXXX XXXX XXXX XXXX. I then call XXXX to check, but they could not find any account ending in XXXX under my name. The only account open and was close account ending in XXXX with XXXX balance.this account was open in XXXX.
02/04/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60620	Web
I'm filing a complaint regarding a 3rd party collection agency, BLITT AND GAINES, P. C. In XXXX, IL for harassing and illegal threatening me for a debt. I asked for validation by sending them 2 different certified letters in the mail that were enough days apart, but still no true validation that the debt is mine. XXXX XXXX {$1500.00}
10/21/2023	Yes	Debt or credit management Debt settlement	Unauthorized withdrawals or charges	IL 60615	Web
I ve been fighting a fraud case thru XXXX XXXX XXXX about these charges I didn't make. And now I look at my check and they are garnishing my wages for something I didn't do and with no notification. That's not fair to me and they refuse to take it off. My mail has been bad for a very long time and we don't receive most of it.
09/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 62002	Web
I have been given papers of a court filing for petition for revival of judgement. debt was from XXXX at that time I was married to my ex wife and resided with her and her son, daughter and her now deceased brother in law. I am not aware of this debt and it is not mine. this is the third case of fraud from this time frame.
11/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 603XX	Web
BLITT and Gaines , P.C . XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. Has been sending me a collection notice balance {$1600.00}. The collection has reported as a pass due balance. I dont know this company. I have never done any business with this company. This company doesnt have a contract with my signature.
12/07/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	IL 60445	Web
XXXX HIED BLITT & GAINES TO HARASS US WHILE COLLECTING A DEBT BELONING TO XXXX AND XXXX. KEPT SKIP TRACING, CALLING WORK, CELL AND HOME NUMBERS.XXXX IS IS LABELING THIS AS MY HUSBAND DEBT FROM CHAPTER XXXX BANKRUPTCY MORE THAN 15 YEARS AGO.THEY XXXX ARE VIOLATORS OF FDCPA, S.O.L. TCPA ETC..
05/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL XXXXX	Web
I purchased furniture from XXXX XXXX years ago. I was making regular payments on the furniture. The furniture broke. I called them about repairs. They stated they would not fix the property. My funds were not able to cover the amount owed now they are trying to file a judgment against me.
10/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60018	Web
they sent me a letter and a document from XXXX on a credit card order/ trial order call, which is fake it's dated XX/XX/XXXX look at top for date with no judge name or date on bottom. I didn't even open that account till XX/XX/XXXX and date of first delinquency was XX/XX/XXXX 2015
08/06/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60532	Web
This company gives me a different tune every time I call to pay my bill. I haven't paid because I do not trust giving my information and having them take money when they want. This is old debt anyway. I don't have money right now because of this worldwide crisis that is going on.
11/09/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60018	Web
BLITT AND GAINES , P.C . sent me a letter sating I owe {$1800.00} and the amount from that creditor is {$1600.00} they are Attempting to charge an amount greater violates the Fair Debt Collection Practices Act ( " FDCPA '' ) and the XXXX Fair Debt Collection Practices Act.
08/09/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IN 46368	Web
Blitt and Gaines never validated a debt that lead to my checks being garnished. As of this date, they have garnished almost XXXX XXXX dollars more than the amount owed and them not showing any evidence that this garnishment is ending and/or overpaid amount being returned.
06/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60643	Web
On XX/XX/2021, I sent a letter stating that I am not refusing to pay the debt but requesting a validation but they just sent me a simple statement from XXXX. I kept on asking for validation but I got nothing but bills and statements. Attached is all the correspondence.
06/23/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	IN 462XX	Web
On XX/XX/2022, I received a summons to court to appear for a debt that is well beyond the statute of limitations for my state, that I was not made aware of ( no notice from this debt collection company ) and is no longer on my credit report.
11/26/2018	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	KS 67037	Web
I received a letter from Blitt and Gaines claiming I owe a debt that they never validated nor did XXXX XXXX XXXX. The business is posing as an attorney, yet they have no jurisdiction over me. I want them to leave me alone permanently.
05/14/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	IL 60901	Web
I failed to appear in court for a credit card debt in 2009 and there is now a judgement against me. I was unemployed for 5 years and was unable to pay the debt. There is now a lein on my bank accounts and i can not access my funds.
04/19/2015	Yes	Payday loan	Received a loan I didn't apply for	IL 60016	Web
Trying to collect on a debt that I do n't recognize. Reason, I never opened up any accounts in XXXX. Will NOT give me any info, rather just selling this debit to other attorneys with amounts I have never heard of nor recognize.
04/17/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	IL 60107	Web
XXXX XXXX XXXX XXXX violated the CFPB Consent order dated XXXX by claiming an amount greater then the Write off amount in their affidavit dated XXXX. They also make many other misleading claims in their affidavit.
10/30/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 90501	Web
Blitt and Gaines did not validate the alleged debt they are attempting to collect from me. Blitt and Gaines provided false and misleading communication regarding the alleged debt.
11/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60473	Web
Blitt and Gaines LLC have stated they are a debt collector and have attempted to collect a debt that has not been verified. Enclosed is the dispute pertained to the alleged debt
01/24/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 641XX	Web
Blitter and Gaines are trying to collect on a disputed debt that has reached the statute of limitation and trying to collect on this disputed debt from out of my state.
02/05/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 614XX	Web
On XX/XX/2022 I received a summons to appear form XXXX XXXX XXXX XXXX represented by Blitt Gaines PC. I never received a notice that I could dispute this debt.
07/19/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 60445	Web
XXXX XXXX CARD KEPT CALLING, SKIP TRACING AT WORK, HOME AND CELL FAMILY MEMBERS AND SERVICING LAWSUIT TO US. SEVERAL COLLECTIONS AND BLITT & GAINES.
12/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60423	Web
Identity theft in XX/XX/XXXX/XX/XX/XXXX when I was XXXX produced an account which a debt collector is attempting to obtain a judgement on in court
08/04/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 60091	Web
The law firm hired by XXXX has filed a baseless suit against me while denying their client 's responsibility for fraudulent conduct.
01/31/2022	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	IN 468XX	Web
This company is trying to collect a debt from me that has false information on and I never signed a contract with this company.
02/25/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	IL 60634	Web
Collection agent gave me a false court date to get me to pay an amount on a debt- harrasment
02/25/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	IL 60634	Web
Collection agent gave me a false court date to get me to pay an amount on a debt- harrasment
09/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IA 503XX	Web
Reporting debt on credit reports after multiple times disputing.
09/19/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MO 64130	Web
Being sued for unknown and unverified reasons
02/07/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60153	Web

01/27/2024	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60625	Web	Older American

01/26/2024	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	MO 64130	Web

01/10/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60118	Postal mail

01/05/2024	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 62526	Web

01/05/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MO 64118	Web

01/03/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	KS 66106	Web

12/31/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IN 471XX	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60110	Web

12/21/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 62801	Web

09/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	KS 66204	Web

08/28/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60448	Web

07/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	IL 60620	Web

07/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	IL 60620	Web

07/07/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 61401	Web

05/31/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60625	Web

05/27/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 61111	Web

04/29/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60625	Web

04/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	KS 66204	Web

04/21/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IN 46978	Web	Servicemember

04/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63074	Web

03/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60609	Web

03/19/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 60644	Web

03/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 62230	Web	Servicemember

01/11/2023	Yes	Debt collection I do not know	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	KS 66204	Web

01/06/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60636	Web	Older American, Servicemember

12/05/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	IL 60636	Web	Older American, Servicemember

11/14/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60636	Web	Older American, Servicemember

11/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 46123	Referral

10/26/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 60636	Web	Older American, Servicemember

10/12/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	KS 66204	Web

10/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66204	Web

10/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85716	Web

09/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60613	Web

08/02/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 60643	Web

06/13/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	KS 66204	Web

06/07/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	KS 66061	Web

05/25/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60544	Web

05/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 60616	Web

03/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60628	Web

02/24/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60649	Web

01/18/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 60431	Phone

12/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60443	Web	Servicemember

12/15/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60707	Web

12/02/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IN 46112	Web

11/30/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IL 60712	Phone	Older American

11/16/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	KS 66204	Web

11/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60188	Web

09/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60643	Web

08/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66204	Web

07/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60714	Web

07/16/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	KS 66851	Phone

06/04/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	KS 66204	Web

05/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66203	Web

04/07/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60411	Web

03/31/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60124	Web

03/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	KS 66061	Web

03/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66204	Web

03/10/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60302	Phone

02/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60643	Web

01/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60643	Web

01/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60643	Web

01/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60643	Web

12/17/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60643	Web

12/17/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 60643	Web

12/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 61320	Referral

10/28/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60643	Web

10/21/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60643	Web

07/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60302	Phone

07/13/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60617	Web

05/28/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60636	Web

03/12/2020	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	FL 34652	Web

02/10/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60643	Web

02/10/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 60637	Web

02/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WI 54403	Phone

01/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

01/04/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60643	Web

11/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

10/22/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	IL 60525	Phone

10/20/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 61525	Web	Servicemember

10/08/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60634	Web

10/03/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 60042	Web

09/25/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60656	Web

09/17/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60620	Postal mail

08/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60640	Referral

08/13/2019	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	IL 60616	Web

07/03/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 60178	Web	Servicemember

05/30/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60660	Web

04/18/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60620	Postal mail

03/05/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IN 46260	Web

02/26/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt		Phone

02/04/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60620	Web

01/11/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 62249	Web

12/31/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IN 46383	Web

12/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46323	Postal mail

12/05/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60430	Web

11/20/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60110	Referral

11/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 61364	Fax

11/13/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit		Phone

09/20/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	KS 66207	Web

09/18/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60643	Referral

07/22/2018	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	IL 62208	Web

07/05/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 63031	Web

06/25/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 62568	Referral

06/06/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60538	Web

05/04/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60620	Postal mail

05/02/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds		Phone

05/01/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 62024	Web

04/28/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60064	Web

04/13/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60656	Web

04/02/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60607	Postal mail

03/30/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60093	Web

03/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 47274	Postal mail

03/16/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60013	Web	Older American

03/09/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 61841	Web

02/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60626	Web

02/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 62704	Fax

01/31/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	WI 54703	Web

01/18/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60621	Web

12/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60025	Web

12/13/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IL 60046	Web

12/04/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IL 60031	Phone

06/13/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60538	Web	Older American

05/20/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60411	Web

05/09/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30135	Postal mail	Servicemember

03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60642	Postal mail

02/24/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MO 64057	Referral

02/22/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	IL 60446	Phone	Older American

02/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60612	Referral

11/28/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	KS 66208	Phone

11/02/2016	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	MO 63121	Web

10/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	FL 33527	Postal mail

09/16/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IA 50624	Referral

09/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IA 50315	Referral

07/28/2016	Yes	Debt collection Auto	Taking/threatening an illegal action Sued w/o proper notification of suit	IL 60478	Web

07/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 60419	Referral

06/28/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	MO 63034	Web

06/24/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MO 63116	Web

03/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	IL 60022	Web	Older American

03/01/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	IL 60586	Web

01/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60174	Referral

08/05/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	IL 61111	Web

07/30/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	IL 60611	Web

06/19/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	IL 60409	Web

06/15/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IL 60016	Web

06/11/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60193	Web

05/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60617	Referral

04/29/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	IL 60617	Web

03/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 53202	Phone

03/25/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	IL 60619	Web

03/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 61920	Web	Older American

03/16/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33467	Web

03/15/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	IL 60538	Web

02/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60030	Web	Older American, Servicemember

01/23/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 60647	Web

12/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 36093	Web	Older American

12/18/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	IL 60505	Web

12/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 61920	Web

11/30/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60618	Web

10/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 60045	Web

09/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60137	Web

09/03/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IL 60154	Web

08/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60402	Referral

08/20/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

08/20/2014	Yes	Credit card	Credit card protection / Debt protection	IL 60647	Web

07/31/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 60620	Web

05/05/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IN 46234	Web

05/03/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60070	Web	Older American, Servicemember

05/02/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	IL 62221	Web

04/30/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 60068	Web

04/11/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	IL 60630	Web

03/21/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	IL 60632	Postal mail

02/24/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	IL 60626	Web

01/31/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IN 46060	Web

12/10/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60527	Web

12/02/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 60156	Web

08/19/2013	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	IL 60640	Phone