BQ & Associates, P.C., L.L.O. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
11/05/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • XXXXX
Web Older American
This formal complaint is registered with the Consumer Financial Protection Bureau ( CFPB ) as a precautionary measure regarding XXXX XXXX account ending in XXXX. XXXX XXXX was informed ( in CFPB Case No : XXXX and XXXX ) on XX/XX/XXXX that consumer ( XXXX XXXX XXXX ) is XXXX-years old, head-of-household, indigent and has no attachable property of value. Consumers sole income is Social Security income ONLY. Consumers family requested an investigative process once they became aware of dunning letters regarding XXXX XXXX account ending in XXXX. The estate of consumer XXXX XXXX XXXX finds it imperative to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) when responding to a notification letter from the law firm of Brumbaugh & Quandahl P.C. The letter was dated XX/XX/XXXX. Consumers estate is responding within the 30-day timeline referenced in the letter. A XXXX XXXX representative ( XXXX XXXX Senior Associate, Executive Office of Customer Advocacy ) placed consumers XXXX XXXX account with the law firm of Brumbaugh & Quandahl in retaliation to receiving consumers complaints through the CFPB. Mr. XXXX actions will be dealt with accordingly due to the fact Mr. XXXX attempted to lure consumer into a conflict of interest scenario by advising consumer to contact his office as well as the law firm of Brumbaugh & Quandahl simultaneously. Mr. XXXX has no authority to advise consumer of anything. Consumers estate filed CFPB complaints against XXXX XXXX ( Case Nos. : XXXX and XXXX ) on XX/XX/XXXX and made known that consumers bank account was compromised and that an investigative process was in effect. Consumers estate informed XXXX XXXX that card charges were suspect and were not charges made by consumer. Consumers estate asked that XXXX XXXX implement an investigative process and respond to the complaints through the CFPB portal. In the second half of this complaint XXXX XXXX response ( dated XX/XX/XXXX ) has been added to this documentation. Consumer has chosen the Consumer Financial Protection Bureau ( CFPB ) to respond to a Brumbaugh & Quandahl notification letter ( dated XX/XX/XXXX ) as a form of evidentiary documentation in lieu of litigation. It is a known fact that the law firm of Brumbaugh & Quandahl P.C. ; engage in predatory, abusive, harassing, deceptive and unfair debt collection practices regularly. Consumer 's estate does not want to see consumer suffer these tactics implemented by the law firm of Brumbaugh & Quandahl. Please Note : XXXX XXXX vs. XXXX XXXX, XXXX and BRUMBAUGH & QUANDAHL , P.C . ; whereby a federal magistrate Judge ruled in favor of the consumer and sanctioned the law firm for unlawful garnishment of a federally protected income account after receiving formal ( written ) notification of protected funds. Garnishment of Social Security funds from a bank account after collector is on notice that the bank account ONLY contains exempt funds can be an unfair debt collection violation with extensive ramifications. Brumbaugh & Quandahl are on notice that consumers bank account contains exempt Social Security funds ( ONLY ) protected under the FDCPA. See 15 U.S.C. 1692f. Therefore, the estate of XXXX XXXX XXXX is prepared to do battle with the law firm of Brumbaugh & Quandahl, P.C. if they engage in old habits of ignoring federal ( and state ) laws regarding the Rights of Consumers under the protection of the Social Security Administration Act ( SSA ) ; Sec. 207. [ 42 U.S.C. 407 ] ( a )., the Nebraska Supreme Court ( Nebraska Revised Statute Section 25-1563.01 ) ; Nebraska Attorney Generals Office ( AG ) and the Fair Debt Collection Practices Act ( FDCPA ) .15 U.S.C. 1692 ( e ). The estate of consumer ( XXXX XXXX XXXX ) notified XXXX XXXX ( through the CFPB XX/XX/XXXX ) that consumer is XXXX-years old, head-of-household and has no attachable property of value. Consumers sole income is Social Security income protected under the Social Security Administration Act ( SSA ) ; Sec. 207. [ 42 U.S.C. 407 ] ( a ). Consumer has a Social Security Award letter that is proof positive verification of consumers sole protected income. The estate repeats this information because the law firm of Braumbaugh & Quandahl, P.C. ; have been known to ignore the law and adopt their own agenda. Consumers estate made known to XXXX XXXX that consumer is a victim of another individuals misuse of the XXXX XXXX ending in XXXX. Consumer " disputes '' owing charges indicative of {$22000.00}. In XX/XX/XXXX, consumer XXXX XXXX XXXX was diagnosed with XXXX XXXX XXXX. Consumer 's XXXX XXXX has progressively worsened in the last few years. Due to this fact, consumers credit cards were closed by consumers second eldest daughter ( XXXX ) in XX/XX/XXXX. Consumers youngest daughter ( XXXX XXXX ) has a substantial criminal history and is known to take advantage of consumer ( XXXX XXXX XXXX ) on a monetary, emotional and physical level daily. XXXX XXXX confiscated consumers XXXX XXXX, re-opened it, and designated herself an Authorized User in XX/XX/XXXX. Consumer ( XXXX XXXX XXXX ) was XXXX XXXX of authorizing anyone as an authorized user of consumers XXXX XXXX ( or any credit card ) in XX/XX/XXXX. Consumer has XXXX XXXX XXXX which has not improved since being diagnosed with XXXX XXXX XXXX in XX/XX/XXXX. Consumers eldest daughter ( XXXX ) is presently petitioning the courts for guardian/conservator to oversee consumers financial and physical well-being after being notified of the Discover Card account. Based on XXXX XXXX admission ( in a written response to consumers CFPB complaint dated XX/XX/XXXX ) it is XXXX XXXX responsibility to seek retribution from XXXX XXXX who knowingly compromised consumers XXXX XXXX XXXX vulnerability and did so maliciously and intentionally. If XXXX XXXX chooses to excuse XXXX XXXX from all liability then that is XXXX XXXX loss and not the responsibility of consumer. Consumers estate will pursue this matter diligently and has reached out to the XXXX XXXX law firm in XXXX XXXX XXXX Iowa who is familiar with the antics of Brumbaugh & Quandahl law firm and equipped to litigate this matter efficiently. This is XXXX XXXX response to the CFPB complaint filed by consumers estate on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX XXXX account ending in : XXXX Consumer Financial Protection Bureau Case Nos. : XXXX and XXXX Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau. To ensure your concerns are handled with priority, your letter has been referred to my attention within the Executive Office of Customer Advocacy at XXXX. I regret to learn of your dissatisfaction with the correspondence you have received regarding the past due status of the above account. I have reviewed your account and would like to share the following. According to our records, XXXX XXXX was added as an Authorized User on your account on XX/XX/XXXX. As an Authorized User she had full buying privileges ; however she did not have a contractual liability and therefore she is not obligated for repayment of any balances created on the account. In an effort to notify you of the past due status of your account and offer repayment assistance, we provided you with notices regarding the status of your account. Your account charged off due to non-payment on XX/XX/XXXX. The balance on your account at time of charge off was {$22000.00}. Our records indicate, as of XX/XX/XXXX, we have taken the appropriate actions to prevent contact regarding the status of the above referenced account. Your account has been placed with Brumbaugh & Quandahl, P.C., L.L.O. for further collection efforts on our behalf. Please contact Brumbaugh & Quandahl, P.C., L.L.O. to discuss repayment arrangements on your account. They can be reached at ( XXXX ) XXXX. Thank you for allowing me to be of assistance, should you have any additional questions, please feel free to contact me at ( XXXX ) XXXX. I am typically available Monday-Friday, XXXX XXXX XXXX, ET. Sincerely, XXXX XXXX Senior Associate, Executive Office of Customer Advocacy This is an attempt to collect a debt ; any information obtained may be used for this purpose. CC : Consumer Financial Protection Bureau Furthermore, consumers sole income is Social Security income and protected under compilation of the Social Security Laws Section 207 [ 42 U.S.C. 407 ] ( a ) it states : the right of any person to any future payment under this title shall NOT be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or the operation of any bankruptcy or insolvency law., whether consumer gives permission or not consumer does not have the authority to authorize garnishment of a federally protected account. Under Nebraska Revised Statute Section 25-1563.01. ; the same Supreme Court ruling applies in this matter. Consumers protected income presents a genuine issue of material fact that if a summary judgment is granted ( after receipt of this CFPB notification ) it shall be construed as a deceptive, frivolous, abusive and harassing process. Consumer is impoverished and refuses to be a victim of unjust enrichment and extortive tactics routinely inflicted by the law firm of Brumbaugh & Quandahl, P.C. Consumer has no fiduciary or contractual obligation to a 'third party ' debt collector because there is no exchange of any benefit or detriment with ANY future collection agencies or collection law firms. There will be no enforceable agreement. No payment history, nor products, or services has been rendered to such entities because these elements do not exist ; there is a 'failure of consideration ' and no valid agreement, contract or fiduciary obligation under federal law that requires payment to such parties. Furthermore, a federal lawsuit will commence if consumers Social Security income is tampered with after receipt of this formal notice presented in the realms of the Consumer Financial Protection Bureau ( CFPB ). Consumer 's estate does not wish to enter into a dialog with the law firm of Brumbaugh & Quandahl, P.C. as they have heard horror stories regarding interaction with this dreadful law firm. Consumer 's estate wishes all communication with the law firm of Brumbaugh & Quandahl remain within the confines of the CFPB portal. Consumer 's estate wishes to thank the Consumer Financial Protection Bureau ( CFPB ) for its mediation and documentation portal as well as all you do to protect the general public from unethical debt collectors. Thank you.
04/14/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • XXXXX
Web
Dear Brumbaugh & Quandahl Thank you for your response. There are 6 intentional point Brumbaugh & Quandahl has not responded to which I am clearly bringing to light. After reviewing their letter dated XX/XX/XXXX. Here are the areas they have failed to respond. 1. No letter was presented dated XX/XX/XXXX as alleged by them on their XX/XX/XXXX letter. ( Letter in which they alleged XX/XX/XXXX is attached ). Instead of them to apologize and admit error they have instead become silent on it, but presented another implicatory letter they received on a date they claimed XXXX XXXX called to make payment arrangement but payment arrangement was not made, yet after that letter requesting for validation they kept pursuing the alleged debt as evidence from the dated letter. 2. Brumbaugh & Quandahl creates debt as evidence from the proof they have sent about the alleged {$12000.00}, none of the letter or evidence shows how they arrived at that amount. In their failure they have presented a non existing default judgement which they have sent twice, that does not speak to the current amount or mentioned XXXX XXXX name in which they were demanding. 3. In Brumbaugh & Quandahl desperation they have presented as Exhibit 2, what can not be currently verified by the Court clerk. But instead a dated information not relevant to the case of how they created the debts. 4. Brumbaugh & Quandahl demands {$12.00}, XXXX for an alleged debt for which no proof of said debt, nor proof of ownership of said debt, has been verified and exhibited. 5. The Fair Debt Collection Practices Actstates that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the Brumbaugh & Quandahl and the alleged debtor, no collection can be sustained. 6. XXXX XXXX is without knowledge as to the accuracy of any company named XXXX XXXX XXXX which Brumbaugh & Quandahl mentioned and as such denies the allegation that Brumbaugh & Quandahl claimed that XXXX XXXX XXXX awarded a judgement to XXXX XXXX. Please provide such company and evidence that I have ever had anything to do with XXXX XXXX XXXX as you alleged ( Letter of the named company you mentioned is attached ). The evidence you provided shows how you have violated Section 809. Validation of debts, read below : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. In your letter dated XX/XX/XXXX, to the CFPB, you claimed XXXX XXXX sent you a letter onXX/XX/XXXX, to which XXXX XXXX, in part, alleged identity fraud. XXXX clearly denies such letter dated XX/XX/XXXX and requested for evidence since it is claimed all the mail sent to you is certified. In your response you became silent to the dispute and never mentioned what you alleged. Instead you presented Exhibit 1 as evidence to that letter and it was not dated XX/XX/XXXX which you claimed. The letter on further review never claimed in part, that XXXX XXXX was alleging being a victim of identity fraud, it was a validation letter requesting for proof of the alleged debt as required by Federal law. Please refer to the letter and read it carefully to understand the content. Without dismissing the registration request which Brumbaugh & Quandahl has provided about their ability to operate business in Missouri. Although Brumbaugh & Quandahl have previously violated Missouri Tax laws in violation of Section 3251.481, however, they are currently in good standing, but the unanswered question is whether they are licensed to operate in the capacity in which they are operating as a debt-collector agent by consistently violating federal laws which I have consistently pointed out in my complaint. Again, the letter ( Exhibit1 ) Brumbaugh & Quandahl presented destroyed their claim in their letter dated XX/XX/XXXX, in which they state that XXXX XXXX called XX/XX/XXXX to make a payment arrangement, you never responded to it either because evidence was requested from you which you have failed to provide. Based on the evidence Brumbaugh & Quandahl have provided, it is apparent they are in clear violation of Section 809, because when a debt is disputed and validation requested, all collections cease, but they received a letter dated XX/XX/XXXX which they have provided and never validated the debt, but instead went about collection activities. Trying to effect a collection on a disputed debt is a clear violation of Federal Law. Again, XXXX XXXX have questioned your attention to details and your lack of trustworthiness in being able to identify the original creditor. Your letters identified two original creditors as evidence from your letters in which none have XXXX XXXX name on either, or both of them. Furthermore, you presented Exhibit 2. The affidavit does not provide the foundation to testify that this file was accurate, or complete, or reliable for later use by Brumbaugh & Quandahl The reorganization of the ordinary data into a culled data file to be transferred to another file created non-ordinary business data that falls outside of the rules of I.R.E 902 ( 11 ) and I.R.E. 803 ( 6 ), making Brumbaugh & Quandahl Affidavit inadmissible.It is clear on the website that This information is provided as service and is not considered an official court record. Brumbaugh & Quandahl fails to note it is not an official court record but informational, and as such can not be used as evidence. Until you present a valid signed copy from the court clerk before such admittance will be valid. As at the time you sent the letter to XXXX XXXX, he was not representing XXXX XXXX same with XXXX XXXX XXXX XXXX was not being represented by you. Presenting outdated information irrelevant to the case is almost like presenting how Brumbaugh & Quandahl failed to filed taxes in in XX/XX/XXXX and XX/XX/XXXX as they were prerestated after being in violation of Missouri State laws for failure to file taxes ( Evidence attached from State Website ( XXXX ). The FDCPA is a strict liability statute intended to be liberally construed to protect consumers ( XXXX v. XXXX. XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir XXXX ). Scienter is not an element of proving an FDCPA violation. Misleading or deceptive representations made as a result of carelessness or negligence are actionable under the FDCPA. All a court needs to find for an FDCPA violation is that the communications from the debt buyer to the consumer would have been misleading to the least sophisticated consumer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). In summary, Exhibit 1, Never showed XXXX XXXX alleged fraud and it was not written or sent XX/XX/XXXX which you alleged. Exhibit 2, is not admissible because it can not be validated by the clerk and Brumbaugh & Quandahl was not named in it, it is irrelevant to the case and your company policy is not binding on XXXX XXXX because you are not related by any contract, neither is XXXX XXXX obligated to abide by your unilateral usage of some self-serving terms. Exhibit 3 never showed a default judgement by a company named XXXX XXXX XXXX which you alleged obtain a default judgement of {$12000.00} in violation of federal laws which you are trying to claim. In Brumbaugh & Quandahl submitted documents and brief there are two contradictory Balances which Brumbaugh & Quandahl claims XXXX XXXX owes, in Exhibit 1 for {$7400.00} and in Exhibit 2 for {$12.00}, XXXX, demonstrating thereby a lack of sufficient indicia of trustworthiness for accounting in this instance to be considered reliable ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ).
03/31/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • XXXXX
Web
Dear Consumer Financial Protection Bureau, Thank you for intervening on this issue. Based on the response sent by Brumbaugh & Quandahl, there are so many misleading facts that demands evidence as I hereby challenge all aspect of the letter received from them through CFPB. Without any evidence, It is a heresay. I demand evidence from Brumbaugh & Quandahl about my first contact. I clearly wrote Brumbaugh & Quandahl that all communication should be in writing to avoid heresay. There should be no phone call communication as all letters I have sent to Brumbaugh & Quandahl are certified ( Evidence of such letter is attached ) As such, I demand evidence to their claim that on XX/XX/XXXX, I wrote to them that I alleged, in part, identity fraud. Please provide such letter. Let everyone read it clearly. Please I demand proof of when I ever alleged fraud. In conclusion to their statement, XXXX hereby request evidence to such claim thereto. Again, Brumbaugh & Quandahl claim there is no contract require to collect an alleged debt of {$12.00}, XXXX because according to them, I quote however he was informed there was no contract between these parties nor was one required to collect on the debt. ( evidence attached in the letter of such statement ) It is disturbing that Brumbaugh & Quandahl never evidence failure of consideration that states whereas no exchange of money or goods occurred between XXXX XXXX and Brumbaugh & Quandahl therefore XXXX XXXX cites failure of consideration. Brumbaugh & Quandahl had my address, but decided to send the letter to XXXX XXXX XXXX ( Evidence attached in letter ) so as to allow the 30 days set by the law to dispute a claim pass and to assume the validity of such debt. Please explain why my letter was sent to XXXX XXXX and how you comply with FDCPA Section 805 ( b0 that clearly states collection agency can not call any third party about such debt, when it was clearly stated I am not represented by anyone. According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post. Under the FCRA, unverified accounts must be removed. Second, in the same second paragraph, Brumbaugh & Quandahl quoted the Fair Debt Collection Practice Act loosely without providing any section of the particular law or references that is being referred to about my right, the letter they sent speak contrary to a dunny letter. Brumbaugh & Quandahl discounted the entry and demand for an alleged non existing debt of {$12000.00}. Brumbaugh & Quandahl should be reminded that adunning letteris a notification sent to a customer, stating that the customer is overdue in paying an account receivable to the sender.Dunning letterstypically follow a progression from polite reminders to more strident demands for payment, if the customer continues to be non-responsive in paying. How is that a dunny letter when I was never your customer and no service or contract was provided or existed between us. Neither have I ever paid you any amount? Please explain. Third, Braumbuagh & Quandahl seek to assume and create a non-existing contract when in actual fact, I am demanding for three particular key required by the law. First, whether I have, or ever had a contractual obligation to pay them {$12.00}, XXXX which was requested in their letter. Second, whether they are licensed to conduct business in Missouri, and if they are registered in the state of Missouri under Missouri law, then they should provide their registration number for verification. I also request them to identify the original creditor which they have failed by identifying two original creditors which is XXXX and XXXX on both conflicting letters ( Evidence Attached ). Fourth, FDCPA Section 811 ( a ) ( 2 ) states that collectors must be in the county in which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuit. Brumbaugh & Quandahl has not been able to provide any contract or proof that it. Fifth, the evidence Brumbaugh & Quandahl provided in response to my complaint to the CFPB neither have my complete name, account number nor my address. Furthermore, XXXX is without information or knowledge sufficient to form an opinion as to the truth and accuracy of Brumbaugh & Quandahl claim that they were first contacted, and based on that denies generally and specifically Brumbaugh & Quandahl claim that XXXX first contacted them. In the second paragraph of the letter. Brumbaugh & Quandahl alleged their record indicated XXXX XXXX contacted them on XX/XX/XXXX to set up a payment plan, on the same paragraph they stated a payment plan was not set up then. How contradictory can such a statement be? I would like to know how the said contact was made by XXXX XXXX. Please provide evidence about the detailed of such payment plan or who he spoke with. Was it on the phone? Or in writing? such evidence should be provided. First, how could XXXX XXXX had first contacted Brumbaugh & Quandahl on XX/XX/XXXX, when on XX/XX/XXXX, the next day to which Brumbaugh & Quandahl alleged claim, Brumbaugh & Quandahl filed an entry in the Circuit Court of XXXX XXXX County, Missouri Associate Circuit Division with a plan to get a default judgement. Evidence attached to the entry of appearance filed by Brumbaugh & Quandahl on XX/XX/XXXX attached. Please explain. Brumbaugh & Quandahl claimed to be first contacted on XX/XX/XXXX which was a Thursday, second day to the last day of the working year in XX/XX/XXXX and then filed an entry in court on XX/XX/XXXX, the last working day of the year of XX/XX/XXXX. Brumbaugh & Quandahl claimed on multiple occasion that XXXX XXXX was provided with the requested information. Please can you state who provided the information and what was requested that was provided? XXXX was never provided with any requested information after disputing the debt based on the provision in the federal law and requested for evidence. Without a copy of the underlying contract, XXXX XXXX has no objective way to assess the veracity of Brumbaugh & Quandahl claim. Please provide evidence to show it was provided. Please be very specific as to who provided the information, the name of the person and their contact to inquire how they provided the information. Based on the letter provided by Brumbaugh & Quandahl, there is no mention of my complete name from the bill of sales to the alleged default judgement, nor was {$12000.00} mentioned. The FDCPA states that debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. There is no agreement between the collector and the alleged debtor, no collection can be sustained. Finally, Brumbaugh & Quandahl claimed they have closed my file with their office and are no longer pursuing collections on the illegal and unverified debt, I hereby request that such letter of closure be formally written to me in a clear term to avoid ambiquity. The letter should clearly state the illegal amount they were trying to pursue as they have clearly avoided it in their response to this complaint. They alleged an unverified {$12.00}, XXXX. Thank you and looking forward to your response. XXXX XXXX.
04/30/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • XXXXX
Web
Dear CFPB, I have reviewed the letter sent by Brumbaugh & Quandahl dated XX/XX/XXXX on complaint # XXXX denying my allegation. Because the issue is long. I will address only two details and provide evidence. I expect Brumbaugh & Quandahl to be detailed as well because I want to show how Brumbaugh & Quandahl should not have existed in the State of Missouri, let alone operate a business because their consistent misrepresentation of fact is an abuse to the legal profession and Missourians. I want to show how Brumbaugh & Quandahl has violated Federal laws, and are now illegal to operate. At this point there will be need to request proof by sending evidence to every claim made by Brumbaugh and Quandahl. The two point I will make and attached proof to which I demand a formal apology in writing from Brumbaugh & Quandahl is in the false claims about letters in which they clearly misrepresented. The second point will be in their poor attention to details, misrepresentation of material facts and violating Missouri Tax law. Brumbaugh & Quandahl wrote : Brumbaugh & Quandahl clearly states that it received a letter on XX/XX/XXXX. The letter received on XX/XX/XXXX was dated XX/XX/XXXX. On complaint number : XXXX. Brumbaugh & Quandahl first claimed a letter dated XX/XX/XXXX existed. Proof was requested and they provided a letter dated XX/XX/XXXX. They further stated they received a letter on XX/XX/XXXX. What they stated was the letter dated XX/XX/XXXX was received XX/XX/XXXX. On further investigation from the United Postal Service, below is a trace of the letter sent and time received. Review evidence below and attachment please. Delivered Tracking # : XXXX Recipient Address : Brumbaugh & Quandahl XXXX XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Your item was picked up at a postal facility at XXXX XXXX on XX/XX/XXXX in XXXX, NE XXXX. 1. Arrived at Unit, XX/XX/XXXX, XXXX XXXX, XXXX, NE XXXX 2. In Transit to Next Facility, XX/XX/XXXX 3. Departed USPS Regional Destination Facility, XX/XX/XXXX, XXXX XXXX, XXXX NE DISTRIBUTION CENTER 4. Arrived at USPS Regional Destination Facility, XX/XX/XXXX, XXXX XXXX, XXXX NE DISTRIBUTION CENTER 5. Departed USPS Regional Facility, XX/XX/XXXX, XXXX XXXX, XXXX AZ DISTRIBUTION CENTER 6. Arrived at USPS Regional Origin Facility, XX/XX/XXXX, XXXX XXXX, XXXX AZ DISTRIBUTION CENTER 7. Accepted at USPS Regional Origin Facility, XX/XX/XXXX, XXXX XXXX, XXXX AZ DISTRIBUTION CENTER 8. Pre-Shipment Info Sent to USPS, USPS Awaiting Item, XX/XX/XXXX I clearly stated all communication must be done in writing. ( Attached is the proof of when the letter they claimed was received ). Remember they claimed they received a letter from XXXX XXXX on XX/XX/XXXX. With the evidence provided above, can Brumbaugh & Quandahl send a letter of apology to the CFPB and clearly apologize for misrepresenting information on a government website? I demand an apology if no evidence is provided to counter the claim. Again, I clearly stated that Brumbaugh & Quandahl has violated Missouri law in the past and can not be trusted. ( Attached is their Business Character from the Missouri State Website attached ). It is not enough for them to closed my account and cease all illegal collections. All claims they have made should, and will be investigated. I have decided to be more detailed to ensure companies like these Brumbaugh & Quandahl do not take advantage of Missourians by violating federal laws and our legal ethics. It is a shame they wrote XXXX XXXX XXXX and when I pointed it out on my letter, they didnt know the difference between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Their lack of attention to details is design to take advantage of Missourians. At this point, I would encourage Brumbaugh & Quandahl to hire an attorney to understand writings. It is absurd and disturbing for a firm not to know the difference between XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am disturbed on the premise on which their legal system is built. With the evidence provided above. I request a formal apology from Brumbaugh & Quandahl detailing why they have misrepresented mail and denied not violating Missouri Tax law twice in the past. Yours truly, XXXX XXXX.
07/08/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • NE
  • 68516
Web Older American
Consumer XXXX XXXX XXXX has been lodged in XXXX XXXX XXXX ( XXXX ) since XXXX XXXX XXXX due to XXXX. During the time she has been incapacitated the law firm of Brumbaugh & Quandahl, P.C. took advantage of the circumstances and filed a 'garnishment ' proceeding against XXXX XXXX 's bank account which holds Social Security XXXX funds ONLY. XXXX XXXX did not receive the summons and was unable to respond to the summons due to her inability to function XXXX, XXXX or XXXX. XXXX XXXX has since recovered her XXXX XXXX and some mobility but can not return to her home at this time. At no time has XXXX XXXX co-mingled her bank account with additional money. XXXX XXXX denies owing the law firm a debt and has maintained that position since XX/XX/XXXX. Brumbaugh & Quandahl began harassing XXXX XXXX about the account in XX/XX/XXXX. XXXX XXXX filed papers with the XXXX County Court on XXXX XXXX, XXXX making known ( in writing ) that she is permanently blind, head-of-household and her sole income is Social Security-Disability. XXXX XXXX has a stamped court copy. XXXX XXXX sent a 'certified ' letter XXXX XXXX XXXX XXXX XXXX XXXX ) to the law firm stating that her sole income is SSI. The law firm signed for the letter and XXXX XXXX has the receipt. XXXX XXXX attached a Social Security XXXX letter as proof positive of her federally protected sole income. XXXX XXXX presented a copy of the letter to XXXX County Court in Case No : XXXX. The law firm attempted to garnish the protected funds ( again ) in XX/XX/XXXX and was denied by the Honorable Judge XXXX due to 'time barred ' debt and protected income. The law firm ( to date ) continues to engage in the practice and pattern of garnishing funds that they know or should know are exempt. Brumbaugh & Quandahl, P.C. continue to engage in a legal process ( garnishment ) in an impermissible manner to reach exempt funds prohibited by law. They use a garnishment proceeding as a form of discovery device to satisfy an abuse of process resulting in damages to the consumer. It is the improper or unauthorized use of a legal process. XXXX XXXX XXXX is XXXX XXXX ) and does not ( under any circumstances ) co-mingle her federally protected Social Security XXXX bank account. The sole income in the account is Social Security XXXX income ONLY. XXXX XXXX can prove there is no additional income added to the account. XXXX XXXX XXXX XXXX has been intimidated by the law firm of Brumbaugh & Quandahl and was coerced into justifying the garnishment which they will suffer for through a complaint lodged with the Federal Deposit Insurance Corporation ( FDIC ) that has been alerted to investigate the garnishment. The law firm has been sued by consumers for attempting to collect 'time-barred ' debts as well as garnishing federally protected income accounts. XXXX XXXX has all pertinent documentation that she will be 'faxing ' the CFPB to verify and substantiate this complaint. XXXX XXXX has all written interaction with the law firm and XXXX County Court. XXXX XXXX is filing this complaint as an administrative process that will be tendered in court as evidence as she intends to file a federal lawsuit against the firm. She is seeking an attorney. XXXX XXXX will be filing complaints with the Nebraska Supreme Court, Nebraska Attorney General 's Consumer Protection Division ( AGO ) The Social Security Administration ( OIG ) the Federal Bureau of Investigations ( FBI ) and the FDIC. XXXX XXXX has attached lawsuits that will validate the law firms continual pattern of unethical practice. XXXX XXXX is a victim of 'time-barred ' debt and garnishment of federal protected funds levied by the law firm of Brumbaugh & Quandahl and in violation of Neb. Rev. Stat. Section 25-1563.01.
02/19/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NE
  • 68127
Web
XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NE XXXX Phone : ( XXXX ) XXXX This firm of " attorneys '' buys portfolios at cents per dollar owed, from local banks and credit card companies and then pursues to sue consumers with little notification until they are served for court. I agreed in court to pay what they claimed I owed on a small credit card debt acquired over 7 years ago After court fees, the balance they claim I owed was approximately XXXX I paid XXXX/mo by check from XX/XX/XXXX to XX/XX/XXXX They had never disclosed to me where payments were to go, an account # or bal due after each payment or inquiry I made through the years so I mailed the checks to the office address above with just the court case number provided. I have emailed them several times requesting balance due with no response. I have never received any updates by mail over the last 14 months Based on my own estimation and math, my last payment was to be for XX/XX/XXXX. I mailed the payment at the end of XX/XX/XXXX - with a note stating this will be my last XXXX payment to date XX/XX/XXXX that check has not been cashed I began a series of email to XXXX XXXX to confirm payment - they have yet to address my inquiry I have now emailed them at least 5 times : -- -- -- -- Original message -- -- -- -- From : XXXX Date : XX/XX/XXXX XXXX XXXX ( GMT-XXXX ) To : XXXX XXXX Subject : RE : 3nd Rqst Please cash my {$30.00} check this week Your firm gave me no case or acct # since the dispute was resolved XX/XX/XXXX So every XXXX check sent and deposited since then had the court case number which I had to look up so I could have a paper trail of the payments sent. Case # XXXX Ive asked at least twice in XX/XX/XXXX via email and phone message for a balance due never received a reply from your firm on each occasion. Based on my calculations this check is the final XXXX payment to you It seems odd and suspicious, you have not yet deposited and I have to continually hound the firm to do so. This check was sent almost 2 weeks ago Check # XXXX Sent from my XXXX XXXX Smartphone -- -- -- -- Original message -- -- -- -- From : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX ( GMT-XXXX ) To : XXXX Subject : RE : 3nd Rqst Please cash my {$30.00} check this week Would you please provide a file number, case number or name associated with this request? Thanks From : XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : BandQ Subject : Fwd : 3nd Rqst Please cash my {$30.00} check this week Sent from my XXXX XXXX Smartphone -- -- -- -- Original message -- -- -- -- From : XXXX Date : XX/XX/XXXX XXXX XXXX ( GMT-XXXX ) To : XXXX Subject : Fwd : 2nd Rqst Please cash my {$30.00} check this week 2nd request to cash most recent payment.. Sent from my XXXX XXXX Smartphone -- -- -- -- Original message -- -- -- -- From : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX ( GMT-XXXX ) To : XXXX Subject : Please cash my {$30.00} check this week XXXX XXXX
02/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • KS
  • 67226
Web Older American
Debt Buyers are organizations that purchase credit card debt for a negligible amount of cents on the debts face value ( e.g. XXXX XXXX XXXX XXXX XXXXr ). Some DBs execute intimidating and coercive legal campaigns in pursuit of debtors who are mostly decent people but due to personal crisis, bad luck, lack of education, improvidence, etc. are in the throes of a financial black hole. These unsophisticated debtors clearly are unable to afford legal counsel, forced into an indefensible pro se position, and aggressively pursued by rapacious, predatory collection law offices with their unconscionable legal maneuvers to acquire exorbitant profits. Specifically in my matter : Initially, I had a conversation concerning my debt situation with the collection agent to advise of my poor financial situation ( no income, no assets ) precipitated by a $ 2MM embezzlement and discuss options ; the response was a cold Well, well just have to see what the judge says. Upon receipt of their pre-trial summons, being in that financial black hole, I bothered a dear friend, XXXX, a retired attorney, for his pro bono assistance. He contacted the plaintiffs legal team on my behalf ( with PoA per plaintiff attorneys demand ) and initiated settlement talks. Ref. email thread dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX doc During on-going negotiations, I asked XXXX if I still needed to appear at the pre-trial to avoid any default for failure to appear. He responded, NO, they are postponing the pre-trial as we were involved in settlement communications. Ref. email thread XX/XX/XXXX, XX/XX/XXXX Time went by without any plaintiff response, or, in fact, any communication whatsoever. Then, upon receipt of, out of the blue, a copy of notice of appearance as attorney on behalf of plaintiff, dated XX/XX/XXXX, I did some research and discovered that plaintiffs attorneys surreptitiously did not postpone the XX/XX/XXXX pre-trial and, in fact, filed for and received a Default Judgment ( XX/XX/XXXX ) for failure to appear at the supposedly postponed pre-trial. NOTE : To this day, we have not received any notification or communication regarding the plan to file, the filing or date for the Default Judgment hearing. Ref. Copy of Entry of Appearance, email thread XX/XX/XXXX Under the superficial appearance of legality, this collection law firm used a sneaky, manipulative, coercive legal strategy that breeches principle and ethics for the sake of disproportionate, XXXX profit. At XXXX XXXX with no assets nor income other than SS benefits, I am forced to live under the weight of an ill-gotten Court order with no hopes of correcting. This is abuse. This debt collection tactic is unfair, unreasonable and needs to be exposed and investigated.
09/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NE
  • 68164
Web
This account has been charged off by the original debtor. It is way past the statute of limitations. It has been sold various times over and over to debt collectors. Ive been a victim of harassment for over XXXX. Since XXXX or longer Ive had wages and bank accounts garnished with no detailed proof that the debt is actually that of mine. Ive requested to see a print out or statement from the original creditor showing a detailed breakdown of every charge. A fraudulent debt from years ago has now turned into this massive debt. I have no idea what I am paying for or how theyve reached the sum of over {$26000.00}. To this day, I have no proof of how the debt was created and again that the debt is actually that of mine. Years ago I explained to the credit card company charges were not mine. The credit card company agreed to look into it. I didnt realize fraudulent charges were made on this card in my name till months later. Unlike today you get a fraud alert immediately. Years ago this did not exist. Back then I was younger, inexperienced and had no money. I didnt know how to fight it or stop it. To this very day, the fraud continues to haunt and plague me. It is like a curse. I spoke with an attorney representing the firm in XX/XX/XXXX explaining that I had been a victim of fraud. I told him I would gather whatever info I can get and send it to him. It took sometime to gather all the information after several years had passed. Some documents I had to send for others were in storage. In XX/XX/XXXX, I sent a huge packet of information, police report and other documents indicating stolen identity, forgery and fraud. I then reached out to the attorney debt collector and he acknowledged he had received the documents. He stated the case would go no where if its fraud. However, a year later in XX/XX/XXXX I am still receiving from this same office a letter to collect this debt. I am not certain if there is miscommunication or a change in staff. I am tired of the false charges and the harassment. By their actions they've proved to be the predatory debt collector who prey on the innocent. How insensitive! I feel like the fugitive, accused of a crime not committed. Thanks to you CFPB when I filled a complaint about another fraudulent debt and garnishment you were very instrumental in helping me. As a result the courts granted me back all wage and bank account garnishments that were brought against me over several years for that fraudulent judgement. I have all the document proof I need. Will you please help me end this and clear my name once again.
03/19/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • KS
  • 672XX
Web Servicemember
These people purposely gave the sheriff an address I haven't lived in since XX/XX/XXXX. I was never served nor did I know they were handling this account. I have been disputing it with XXXX I am 100 % sure they have my current address on file. We have mailed each other back and forth with my current address. They should have had my current address from XXXX when my file was transferred to them. This company was neglectful and denied me my legal rights as an American to defend myself from a lawsuit. They claim the account was originally opened with XXXX XXXX XXXX in XX/XX/XXXX. I have been living in my current address at that time. Wouldn't my current address be on the credit card application? I called them twice today. She asked for my info but I decided to give her my last 4 and phone number being that I didn't trust them. I wanted to know the address the supposedly served me at. Then they agent told me that's the address they have on file. I called them again for the second time after I called the court to inquire about filing a motion. I reached the same agent again. I asked to speak to the assistant attorney as advised by the court clerk I spoke to. The agent denied my request. She said the attorney doesn't talk to clients unless at court. She said she can give me the information I needed to know. She then admitted that they also have my current address on file. I asked her why woukd they give the sheriff an address that I don't even live in and she answered " that's the address you must have used when you opened the account ''. I asked her how is that possible if I haven't lived there since XX/XX/XXXX? If account was opened in XX/XX/XXXXit would be under my current address. I proceeded to ask her how they got my old address and she said " we don't have to tell you that, that's privilege information ''. One moment they claim I owe {$710.00} ( on report ) The next they claim I owe {$820.00} ( credit report ) Then it claimed I owe {$830.00} ( credit report ) Today they said I owe {$830.00}. ( Credit report ) I will be filing for a motion as well as countersue, but also needed to file a complain to shed light on their shady business practices. It got so heated that I couldn't even finish asking my question because of the agent repeatedly speaking over me.
05/09/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • NE
  • 691XX
Web
On XXXX I went to an ATM to get cash from my checking account knowing I had a balance of over {$2000.00} I got XXXX cash and it said my balance was XXXX. I thought it was a mistake so I called my bank XXXX at XXXX and they told me that XXXX XXXX XXXX XXXX had a jugement on my account for over {$1600.00} that was dated XX/XX/XXXX for XXXX XXXX credit card? I currently have XXXX credit cards from XXXX XXXX with perfect account standings.I ran credit reports from your website about 4 months ago that were all good and showed nothing of this what so ever. I certainly do n't recall a judgement in XX/XX/XXXX 12 years ago of this nature. The last couple months I was getting calls on my cell phone with the caller I.D . blocked and when I answered they would rattle of something credit service and ask for personal information address date of birth social security number and a red flag would go off and I was positive it was a scam because they would n't Identify themselves and wanted my information and they would call twice a day and started threating me so I quit answering the calls. After I talked to my bank and they gave me the company name and phone number I called them and they told me that they had an active judgement against me dated XX/XX/XXXX for XXXX XXXX and they were going to contact the courts that I contacted them and they were going to seize my money? I do n't know it this is an actual recovery company but they present themselves like big time scam artists. I also had credit reports ran XXXX when I got a credit card from XXXX 's that was good and showed nothing of this at all. If this company has an active XX/XX/XXXX judgement against me why has n't it ever showed up and if XXXX XXXX had a bad account with me why would they issue me XXXX different cards and have had the cards for a long time with no complaints. I did file a complaint with your website on the class action of XXXX XXXX kept billing me for account protection that I never signed up for and kept billing me for years and would n't stop and I was awarded somewhere in the {$1600.00} dollar range so I wondered if this was that company that kept billing me without my consent? I am not a wealthy man and it is the XXXX of the month and have bills to pay and now no money to pay them. XXXX XXXX
05/18/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NE
  • 68510
Web
Consumer has been receiving frequent repeated calls to consumer 's phone number from ( XXXX ) which belongs to the collection law firm of Brumbaugh & Quandahl, LLC. Consumer does not owe a debt to anyone. Consumer never has owed a debt and will not be 'harassed ' by this law firm in relation to a debt. Consumer contacted ( by phone and recorded the call ) the law firm who stated they were looking for a person by the name XXXX XXXX. Consumer is not familiar with a XXXX XXXX, do n't know the person, never have known the person, and is not related to the person. Consumer made known to the law firm ( and recorded it ) that they ARE NOT to call Consumer 's phone again. Consumer has NOT given Braumbaugh & Quandahl expressed permission to contact consumer on any level. Consumer is reporting in this venue a complaint related to Consumer 's position in this matter. Consumer will file a federal and state lawsuit against Brumbaugh & Quandahl LLC, if they do honor Consumer 's wishes and 'cease ' contact with consumer immediately. Consumer does not want calls, letters or emails from Braumbaugh & Quandahl related to this matter. Consumer will not tolerate consumer 's phone ringing incessantly or periodically from Braumbaugh & Quandahl. Consumer has the right to peaceful enjoyment of consumer 's phone and home under the Telephone Consumer Protection ACT of 1991 ; ( TCPA ) [ 47 U.S.C. Section 227 ] Section 227. At NO TIME has consumer given expressed permission to Brumbaugh & Quandahl to call consumer for any reason. Under the FDCPA Section 15 U.S.C. 1692d Section 806 Braumbaugh & Quandahl are 'harassing ' consumer if they do not discontinue contact of consumer. Consumer thanks the CFPB for providing this venue as a form of documentation that can be tendered as evidence in a court proceeding if necessary. Thank you.
11/03/2019 Yes
  • Debt collection
  • Private student loan debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MO
  • 63031
Web
BQ & Associates, P.C., LLO called me repeatedly regarding debt owed to them. Throughout the process there were several reps who would be disrespectful, aggressive and use bullying antics as a means to collect on debt. For example, being told if I did not come up with a lump some payment and refusing to take my payment arrangements. A rep from the company, XXXX ext. XXXX, during a call was cutting me off as I spoke and threatening me that I could not ask questions regarding the settlement that was agreed upon or get the agreement in writing. I was told that I was not in a position to ask questions or negotiate anything. If I asked about payments he would cut me off and sigh. As I continued to ask questions he used condescending tone and made statements that caused me to have a break down on the call which included me sobbing, yelling and asking him to stop. I was treated like trash. My concerns were reported to his supervisor, XXXX, who indicated he would look into the call. However, XXXX continues to contact me after I indicated that I did not want him contacting me. Because my aim was to resolve the debt, but through another rep I asked to speak with a manager or an attorney and was not allowed to do so. I called repeatedly and then an operator finally patched me in to XXXX who took my concern, but never reached back out to me. Instead, XXXX called me again. This is not the first time that I have had concerns with the reps who contacted me. I have saved voice mails from them as well as dates when I have asked them to discontinue contacting me and to use mail as correspondence.
03/15/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 630XX
Web
I received a letter on XX/XX/2018 from Brumbaugh and Quandahl law firm stating I owe the amount of {$12000.00}. I responded asking for verification of the alleged debt in accordance with the FCRA section 609 ( a ) 1. In the letter Brumbaugh and Quandahl listed the Original creditor as XXXX. I was very specific with my questions to know what the debt was for, and how they calculated the amount and who the original creditor was and whether they are license to collect in my state and for them to prove to me if the status of limitation has not expired on that debt. I wanted to know if I have, or had ever had any contractual obligation to pay. I demanded if I have a physical signed contract with them. On XX/XX/2018, they sent me a fraud affidavit form that I should fill. In their fraud affidavit form, they made it sound I was a fraud victim and requested a fraud form. I clearly refused to fill the form because I never requested such form. I requested for proof of alleged debt. Why should I accept an allegation as facts. I was clear about what I requested. I wanted to know what right they have to demand for such debt. Again, I demanded for a sign contract from them as to how they arrived at that amount and gave them 15 days to responds as I have earlier given them 30 days before or they should delete my details from their account. This time they have the original creditor as XXXX. I noticed the inconsistency of who the original creditor is. I am waiting for the response to their letter or proof of the alleged debt.
04/04/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KS
  • 66605
Web
in the state of Nebraska, XXXX county XX/XX/XXXX, I was sued by Brumbaugh a & quandahl for a debt for a creditor XXXX ( which was sued for illegal debt collection practices ), which they represented. the file number at their office is XXXX. I was unable to pay the debt until XX/XX/XXXX. I contacted their office and they said that they do not have anything to do with this account and told me to send the court in Nebraska the money owed and since they are not associated with this account, they would have to return the negotiable item ( s ) I sent them, which were checks for XXXX and XXXX the full balance XXXX, according to the XXXX county clerk office. I sent the court the checks as instructed and the XXXX county court verified they received them. however I never received the original checks I sent them or anyother form of reimbursement. I received a notice from the firm dated XX/XX/XXXX stating they now wish to settle this amount after they were supposed to send me my original checks back. I contacted their office in XX/XX/XXXX to ask where were the funds that I sent them to resolved this matter and they stated that they returned them to me, but I never received anything. Since I did not trust them, I stopped payment on the check on XX/XX/XXXX. i do not owe this amount anymore and their tactics should constitute a an illegal practice violation
11/24/2017 Yes
  • Debt collection
  • Private student loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80109
Web
I was recently contacted by my mother-in-law stating that a sheriff had delivered paperwork from an attorneys office stating that she was being sued, and they were representing XXXX XXXX XXXX XXXX XXXX. In the paperwork it showed that she was the co-signer for myself on a private student loan that originated in XXXX. I then called the company the first number was disconnected, but there was a XXXX number. I was informed that after several attempts to resolve the debt with no response they had to take this action. I nor my mother-in-law had never received documentation only phone calls every once in a while re. the debt. I explained to them that this debt was being paid now with XXXX, and there have been no missed payments. I called XXXX to confirm. They stated that XXXX was not the originator, and that they had documentation that we signed for this loan. I have requested documentation, and we have to go to court XXXX XXXX, XXXX at XXXX in XXXX County. I have pulled all three credit bureau reports, and this company does not appear on any of the reports as being a debt. I also called XXXX XXXX XXXX where I consolidated my student loans, and there is nothing showing there. I have seen the reports online regarding this company, and I 'm just not sure what to do other than go to court and try and fight this.
03/23/2019 Yes
  • Debt collection
  • Private student loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NE
  • 685XX
Web
I was contacted by collection agency Brumbaugh and Quandahl ( in XX/XX/XXXX ) out of XXXX, Ne re : XXXX XXXX XXXX student loans. I began monthly payments to BQ and in XX/XX/XXXX the debt was settled. My dad took a check to their office in XXXX. I received a generic letter stating the debt was settled. Fast forward to XX/XX/XXXX, I am trying to complete my XXXX degree. I need to secure grant money in order to used my employer 's tuition reinstatement program. I completed the FAFSA and was told I have 2 Student loans in default. I provided the clearance letter to XXXX University and was told there is not enough information on it. I contacted BQ and was told the case has been closed so long there is nothing they can do to provide specific evidence of clearance. If this is not settled fast I will loose the {$2400.00} I become eligible for between XX/XX/XXXX as it must be used before XX/XX/XXXX, the XX/XX/XXXX-XX/XX/XXXX tuition assistance from my employer. I have read that XXXX XXXX XXXX was suing to collect debts they could not prove. BQ or the servicer never reported clearance to the Dept of Ed.
09/02/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • NE
  • 68111
Web
I was paid an odd amount from my employer. Initially confused, i reported to work and check my paycheck stub online. There i discovered that there was a case filed and a wage garnishment had occurred. Checking my spam mailbox i see a message from payroll explaining the deduction. At this point, I knew something was amiss. I have recently discovered how to keep track of my credit online. to my dismay there are several instances on my credit report that are erroneous. The company in question has since removed the item from my credit report " XXXX '' after i filed a dispute on the credit item. They have since re-added this information. This is regards to a bank account closed in 2009. I also live in nebraksa where Nebraska Revised Statute XXXX stipulates a 5year SoL on written contracts. I do not understatnd why now of all times to pusue the debt or the errant disregard of the statutes of the state of Nebraska. I have not been contacted in any way by this company to date and have just acquired their phone number from our payroll department
09/16/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NE
  • 68107
Web
On XX/XX/2015 I began receiving " You 're being sued, hire us '' letters in the mail. They said I was being sued by XXXX XXXX XXXX who hired Brumbaugh and Quandahl P.C ( XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX, XXXX ) to sue me for the alleged debt. I was served on XX/XX/2015 by the constable. The summons stated XXXX XXXX XXXX as the creditor and Brumbaugh and Quandahl is the law firm suing on their behalf. The amount of the suit was listed at {$4300.00}. No other information was listed, i.e. original creditor, account information, etc. In doing research on LVNV I discovered they are junk debt buyers and predatory debt collectors. Brumbaugh and Quandahl recently started calling me at home but I have not answered knowing it is them. The calls are after XXXX. I believe both entities are violating my consumer rights. I have sent to complaints to the Nebraska Attorney General and the XXXX as well.
09/14/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • SD
  • 57104
Web
I have had two accounts with XXXX XXXX Bank that were past due since the beginning of COVID. During COVID I had XXXX XXXX defer payments. After COVID was over and we were back at work, we had sold our house on XX/XX/21. I contacted XXXX XXXX in midXXXX to inform them that I would be paying both credit card accounts in full by the end of XXXX ( we close on XX/XX/21 and the check will be available to me anytime between 2-10 business days ). XXXX XXXX accepted this agreement and told me they would not pursue legal action. This morning, XX/XX/21, I received a call from our local police department that they had tried to give me a summons for court from XXXX XXXX and their representation ( BQ & Associates ). I have tried contacting the bank which they told me to contact BQ & Associates and I have called and left voicemails for the individual in charge of my file with no response.
09/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63090
Web
I contacted the company, XXXX XXXX XXXX XXXX XXXX ( XXXX ). I kept getting transferred to departments where I could leave a voice message that was never returned ... departments where the phone rang without answer or rang about 3 times and disconnected. I tried for 5 years at least to get a full statement. My debt was transferred to a debt collector and finally received 2 statements within a short period of time. They were to small to really be legible. These statements were sent based on a voice mail I left. I wrote a letter of insolvency and was immediately sued. To date, I have called this debt collector about 5 times in the last 2 years and there has been return call. I am being bullied and harassed. My mental health is not great and I am suffering over this situation to say the least.
01/25/2024 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NE
  • 68025
Web
04/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 63138
Web
12/12/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • KS
  • 66760
Postal mail
01/08/2019 Yes
  • Debt collection
  • Private student loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 64014
Web
05/16/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • KS
  • 67220
Web Servicemember
01/18/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80910
Web Servicemember
11/03/2017 Yes
  • Debt collection
  • Private student loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • IA
  • 52732
Web
01/19/2017 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • NE
  • 68110
Referral
09/11/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MO
  • 65202
Web Servicemember
08/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MN
  • 56074
Postal mail
04/26/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Used obscene/profane/abusive language
  • IA
  • 52761
Web
04/04/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KS
  • 66508
Web Older American
02/17/2015 No
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • NE
  • 69361
Web
10/17/2014 No
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • NE
  • 68339
Web
06/24/2014 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • IA
  • 52806
Web
06/18/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • NE
  • 68134
Web
06/16/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • NE
  • 68135
Web Servicemember
04/03/2014 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NE
  • 68124
Web
03/26/2014 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NE
  • 68125
Web
02/27/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • NE
  • 68502
Web
12/11/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MO
  • 63106
Referral
12/06/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NE
  • 68310
Web