Brown and Joseph, Ltd CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/30/2022	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 939XX	Web
When XXXX first contacted me, providing forms to request an insurance payment, my husband and I were ambivalent about making a claim, since we wanted to ensure submitting a claim request would not harm my mother ( XXXX XXXX ). However, XXXX insisted that this wasnt the case and pressed us to make a claim. Later XXXX contacted us after we were reassured that this claim wouldnt affect XXXX XXXX with a letter stating that although they had sent us the claim form initiating the payment, without which we would not have realized I was potentially eligible at all, they had overpaid in their processing and actually my " payout '' should have been {$0.00}. The letter XXXX sent stated that I had two options : pay back the amount I had been paid in full or this amount would be reported as taxable income. When we received this letter, we reached out to XXXX to better understand my father ( XXXX ) intentions. The purpose of this call was to ascertain what my deceased fathers wishes were and then consider our options. It was my understanding and my mother and siblings understanding that my father intended to leave us an amount of money upon his death. In addition, I decided to retain legal counsel to better understand my options, for which I was told I should obtain the most recent beneficiary list and payout amounts from XXXX to allow for appropriate discussion. Reaching out to XXXX to obtain this documentation was a lengthy process, involving numerous phone calls and follow-up during which both my husband and I received conflicting statements. Initially, I was told I could not obtain the information my legal representation had assured me the insurance company could and should be able to provide. After I specifically informed them my legal representation had told me they were able to provide this information, I was told XXXX would work on the item and that I should follow-up. I requested this information in writing, as requested, on XX/XX/2021. During the subsequent follow-up calls, my family was told various things, including a phone call around XX/XX/XXXX when XXXX informed my husband that the portion paid out is {$55000.00} and XXXX considers this matter closed. This particular statement came when my husband had asked about possible supplemental XXXX XXXX XXXX insurance. These conflicting claims made me very suspicious of XXXX, as it simpy doesnt make sense to me that they were just giving us money, or possibly not, while simultaneously discouraging me from making claims at the time. Finally, after following up for several weeks, I received the requested information from XXXX, which consisted of a hastily made XXXX spreadsheet with drop-down options that can be easily manipulated and additionally was specifically labeled not for legal purposes. At the advice of my legal counsel, I elected to wait for the tax forms XXXX was required to send out for XXXX to see whether they considered the payment a legitimate insurance payment ( which seemed likely to me given the evidence provided ) or taxable income, at which point I intended to file my taxes and see if there were negative consequences. I never received a tax form from XXXX. Instead, I received a telephone call from XXXX XXXX XXXX XXXX XXXX. I immediately called the representative ( my voicemail had identified her as XXXX ) back, left a voicemail, and waited for her to return the call to request written information. I did not receive a call from XXXX XXXX XXXX XXXX XXXX, that day. I did receive a written notice, to which I responded that I consider the payment a legitimate payment. The documentation I received to this was a letter addressed to a XXXX XXXX, which is not my name, in what I presume is a standardized form the agency could not even be bothered to re-address. I responded to this letter with an explanation of the circumstances and documented that due to the inconsistent communication my family has had both before and since receiving the letter from XXXX regarding payment, we consider this payment valid until we are shown detailed legally binding documents that prove that we are not entitled to this money and that this debt is valid. I feel like XXXX is trying to strong-arm my grieving family into a conflict over money, harassing us, constantly changing its mind, and denying simple requests for documentation to which we are entitled. Beyond this, I believe the XXXX XXXX XXXX XXXX XXXX agency has violated collection practices by ignoring our calls and letters to dispute and sending a letter considering the debt valid early trying to strong-arm an invalid and uncollectable debt onto our credit report. We thankfully have receipts for our dispute letters, which were sent via registered mail with tracking numbers documenting receipts for the dates sent and received, as well as phone records showing we played phone tag with the agency through XXXX. We would appreciate any assistance to end what feels like a business misusing its money and connections to obtain money from a grieving family who lost their father in a horrific accident. Thank you for your time and help.
07/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	TN 37076	Web
I was contacted on XXXX/XXXX/16 by agent XXXX XXXX from Brown & Joseph. She impersonated an attorney and intimidated me into making a payment arrangement on a debt that I did n't believe was valid. The account with the original creditor XXXX XXXX XXXX XXXX was being reviewed in a dispute over contract pricing and last I heard XXXX was reviewing my contract. XXXX XXXX never outright said she was an attorney but used all the terminology she could to imply that she was. She also made false statements such as my debt had already been verified as valid, that she was not attempting to collect a debt ( insinuated this was a legal action instead ), that if I did n't pay that day I would be sued, that I would have to hire an attorney as I would not be allowed to represent myself in court, and that I could no longer contact Quest regarding the account now that she was representing them. She also claimed that this information had been mailed to me the prior week. I told her that I knew my rights and that she was required to provide proof to validate a debt collection, she cut me off and said that I did n't have those rights. She was belligerent and verbally harassing. I was terrified of being sued and made a payment agreement, authorizing a series of XXXX electronic checks to be drafted on my checking account, the first a payment of {$500.00} on XXXX/XXXX/16. On XXXX/XXXX/16 I was notified directly by XXXX that my contract had been reviewed, I had not been billed according to my contract, my invoice had been adjusted, and the account recalled from collection with Brown and Joseph. I emailed XXXX XXXX to notify her that her agency would be receiving the notice that my account had been recalled, and that I would be contacting my bank to ensure payment was not paid to Brown and Joseph. She replied with a condescending " I 'm sorry you 're having a bad day. Please call me. '' Later that day an agent from my bank contacted XXXX XXXX to inquire whether she had received the communication from XXXX to stop attempting to collect and that I had withdrew my authorization for the XXXX payments. XXXX XXXX became belligerent with my bank agent, demanding that I provide documentation. I did provide that documentation in the form of a forwarded email from my XXXX representative that stated " Thanks again for providing all of the documentation you provided to me to resolve this issue. An email notification was sent to the collection agency - Brown and Joseph this afternoon to stop collection activity for this account. '' After the nasty experience with XXXX XXXX, my banking agent advised that, since Brown and Joseph had already demonstrated illegal tactics in attempting to collect this debt, they could not be trusted with the routing information and account number I had given them when I authorized the payments from my account. Rather than attempt to stop payment, it was the bank 's opinion that the only safe way to handle the matter was to close my checking account entirely. This turned out to be the wise move, as the agency did attempt to draft my ( closed ) account. On XXXX/XXXX/16 I received the written notice that XXXX XXXX claimed had been sent two weeks prior. I used the information in the letter to create an account for online payment. As of today, it is still showing my account is in collection with their agency, and that a {$500.00} payment was posted on XXXX/XXXX/16. I am apprehensive of how this will continue to play out.
10/18/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90266	Web
I purchased a mirror and other items from XXXX XXXX in XX/XX/2023. The mirror was to be delivered by freight and I paid for shipping through XXXX XXXX ( {$55.00} ), and did not agree to pay any additional shipping that XXXX XXXX arranged ( nor was I asked to ). I was never contacted by XXXX XXXX or XXXX XXXX and never ( i ) entered into any agreement with them, ( ii ) agreed to pay any amounts to them, or ( iii ) requested or contracted with them for shipping services. It is apparent that XXXX XXXX did to arrange for shipping of the mirror I purchased ( for which I paid XXXX XXXX shipping ), and so the mirror arrived via freight in XX/XX/2023. In XX/XX/2023, I received a statement from XXXX XXXX saying that I was past due on payment. I did not know what the statement related to, and on XX/XX/2023 I emailed the contact on the statement ( XXXX XXXX ) saying I have not contracted with XXXX XXXX and requesting him to " Provide appropriate details so that I may determine whether this statement is legitimate or fraudulent. '' I did not receive a response. In XX/XX/2023, I received another statement from XXXX XXXX repeating that I was past due on payment. XXXX XXXX was once again listed as the contact, and on XX/XX/2023 I tried to call him ( but was sent to voicemail ), and so the same day I emailed him again and reiterated that I have never contracted with XXXX XXXX for anything, and to please respond to my initial email and explain why I am receiving statements. I also said at that time that if I received another statement without explanation, I would report them to the appropriate governmental authorities. In response, XXXX XXXX looped in one of his colleagues, XXXX XXXX. XXXX XXXX then emailed XXXX XXXX ( with me copied ) and asked them to check the bill of lading, which was attached to the email, and advise if it can be billed to XXXX XXXX ( as it should, as ( i ) I already paid XXXX XXXX for shipping, and ( ii ) XXXX XXXX is the contracting party, not me ). The bill of lading also said on the " Invoicee '' line " XXXX ''. It was at this time that I realized what the debt related to, and that it is not my debt to pay. I assumed XXXX XXXX would pay the debt and that would be the end of it, but instead I received a letter dated XX/XX/2023 from Brown & Joseph LLC, which says they are a debt collector and that I owe {$150.00} to XXXX XXXX ( a subsidiary of XXXX XXXX ). Despite reasonable attempts to get XXXX to bill the appropriate invoicee and no basis for them to conclude that I ever agreed to pay them anything ( and knowledge as to who the correct invoicee is ), they have instead repeatedly sent threatening mail and now referred a debt that I do not owe them for debt collection. I do not want to pay someone else 's debt, but I don't know how to get them to stop otherwise. Please help me. Respectfully, XXXX XXXX
12/14/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97070	Web
Our company, XXXX XXXX , XXXX, acquired the assets, but not the liabilities, of XXXX XXXX on XXXX XXXX, XXXX. Early this year, a collection agency, Brown & Joseph, began aggressively contacting our company regarding a debt from an advertising contract between XXXX XXXX and XXXX XXXX ( an advertising company based out of Utah ). On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of Brown & Joseph demanding that we pay the debt or they would pursue legal action against our company. We informed XXXX XXXX in a letter on XXXX XXXX, XXXX that the contract preceded our acquisition of XXXX XXXX, and since we did not acquire the liabilities of XXXX XXXX, we do not owe any money. However, the harassment continued. On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of XXXX XXXX XXXX , XXXX, stating that the account had been referred to them in order to facilitate the appropriate litigation procedures. We responded to XXXX XXXX in a letter on XXXX XXXX, XXXX informing her of the reasons we did not owe the money. We also informed her that if our company continued to be harassed about the debt we would file a complaint with the relevant government agencies for violation of unfair business practice laws. XXXX XXXX responded by sending a letter on XXXX XXXX, XXXX in which she threatened to file suit if the debt was not paid within five days. Being that neither collection agency would address the facts of the situation and that they refused to stop harassing our company, we sent a letter to XXXX XXXX in the hope that they would instruct the debt collectors to cease contact. We have yet to receive a response from XXXX XXXX, and the contact has continued. Our company has continually been harassed by these collection agencies despite having no factual basis to do so. None of the companies have addressed our contentions or have been willing to speak with us regarding the factual history of the debt. We have no other option but to solicit your help in resolving this matter and ensuring that these business practices do not continue in the future.
06/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46033	Web
As brief background, I was XXXX with XXXX XXXX last year and, as a result, I have XXXX XXXX XXXX. I took my first XXXX in XXXX and returned to work sometime in XXXX. In XXXX or XXXX, XXXX claimed it apparently overpaid me ( I did not verify this claim ). As I was scheduled for a XXXX of XXXX XXXX in early XXXX, when I received notice of this, I contacted XXXX and agreed with a XXXX representative that it would simply withhold from my subsequent XXXX claim. When I received the " Final Notice '' of the overpayment just before my XXXX as well as a call from Brown & Josesph Ltd ( collections attorney ; https : //brownandjoseph.com ), I rang XXXX and a representative told me that any payment under the new claim could not be used to offset the prior claim. As a result, I submitted payment to the collections attorney on XXXX XXXX. Today, I received my first XXXX payment from XXXX for the recent XXXX and XXXX withheldin full and perhaps even withheld more than is necessarythe amount it claimed to have previously overpaid me. XXXX claims this check was mailed on XXXX XXXX, well after I paid the debt to Brown and Joseph. The amount is also not insignificant as XXXX appears to have withheld {$3500.00}. This is in addition to the {$2300.00} I paid to Brown and Joseph. In short, it seems I have paid XXXX {$5800.00} for a net overpayment of {$2300.00}. Also, while not insignificant, my XXXX has presented several challenges and this is the absolute last thing I need. I was horrified to be sent to a collections attorney, which was after multiple XXXX representatives verified the amount could simply be withheld from my XXXX XXXX claim. Now for XXXX to withhold additional sums is just upsetting. Please contact me to discuss further. XXXX.
01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	NY 11768	Web
Our previous Insurance company for our business ( XXXX Workers Compensation insurance policies ) has made numerous errors on our account that began in XX/XX/XXXX. Our premium doubled without explanation and we continually were trying to gain insight and rectify our account with XXXX, since then. We originally obtained this insurance with XXXX through XXXX ( XXXX, was our agent ) .We will attach the appropriate documents ( which are all correspondence via email ) - which will clearly display the errors, acknowledgments, unprofessionalism and incompetency that was shown and communicated to us by XXXX , XXXX and ( the now ) collection agency ( Brown & Joseph , Ltd ). XXXX ( of Brown & Joseph ) was the last communication that we had with respect to our situation and account. We proposed good faith payment plans via phone and email with XXXX ( and also through emails, previously, with XXXX of XXXX ) - neither company was willing to accept our payment plans that we offered ( based on what we were able to afford ) as they felt our terms were unacceptable. XXXX was passive-aggressive and threatened that if we did n't have payment by XXXX on Wednesday, XX/XX/XXXX he would take us to court and by that following Monday we would be calling him back to start calling him names. When we questioned him as to why he was speaking this way to us, he repeated himself. All we wanted to do is rectify and move on from this awful situation that was created by XXXX, lasted 8 months before actual numbers were finalized, and at this point- all parties are making us feel like 'they ' are the victims.
09/30/2023	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 32907	Web
I received communication from my XX/XX/XXXXXXXX insurance that they overpaid me when I had a 'return to work ' established. The complaint is that I had numerous attempts to contact XXXX XXXX when my return to work date was approaching. I left voice mails/sent emails on numerous occasions with the date of my return to work. I had no return call or email that notified me they received this information I submitted. When I returned tor work XXXX XXXX, I received a letter from XXXX XXXX that they overpaid me by {$980.00}. I have to admit I did not respond until this past week as our family had a traumatic incident and almost lost my husband. I did respond just this past week ( Called XXXX and spoke with " XXXX '' who stated that I have a case worker " XXXX XXXX '' who will be reaching out to me ASAP. I explained email is my best contact ( XXXX ). I would like to try to set up some type of payment plan as paying {$980.00} at one time is quite a bit and would like to try to try to set up some type of payment arrangements. I have not heard back from " XXXX XXXX '' at XXXX XXXX as of yet. I do not want this balance to go into collections as this issue could have been resolved earlier if I would have had better communication with XXXX XXXX when I tried NUMEROUS times to give them my 'back to work date ' and no communication back to me that they even received all of my messages. If there is any assistance you can provide or send me in the right direction, I would greatly appreciate it. Thank you, XXXX XXXX
11/17/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19116	Web
I sign up with XXXX XXXX XXXX back in XX/XX/XXXX. XXXX. I paid with credit card for a year in amount of {$460.00}. I was advised by representative I CAN cancel anytime. So next day I found something more suitable for me, so I cancel my policy on XX/XX/2022. XXXX told me they will send me a check in amount of {$410.00}, which they never did or at least I never received it. Also they withhold {$51.00} for canceling early. I was never told by representative about fees being involved. I did receive email with my policy and canceling policy, but after the fact and after I already submit the payment. I wish the representative would mentioned this before I mada a payment. I dispute the charge of {$51.00} with my credit card and after reviewing my credit card resolved the dispute and put a credit of {$51.00} on XX/XX/2022. Now XXXX demand {$460.00} by sending letters to me and calling me about paying them {$460.00}. I called on XX/XX/2022 and try to explain my situation. Then they told me XXXX send my info to debt collector. I received letter from debt collector Brown and Joseph, LLC on XX/XX/2022. I send email to debt collector on XX/XX/2022 but got no respond. I called them and try to explain, unfortunately only they were interested in my credit card information to pay a bill. They email me a bill with the balqnce of {$460.00}, but I own no debt to insurance company or debt collector. Instead I still waiting for my return for past 3 months, and continue to spending hours to resolve issue. Thank you
12/03/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX XXXXX	Web
Thank you for your time. I am XXXX XXXX XXXX an employee with XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX I will try and keep my story short and sweet. I was placed on medical leave on XX/XX/XXXX. I had Short term and long term disability Insurance purchased through the XXXX/XXXX XXXX. XXXX, XXXX I was notified by the XXXX XXXX XXXX my XXXX was approved. I supplied all the information to XXXX XXXX, as well as {$28000.00} out of the XXXX Retirement accrual of {$34000.00} due to me. After sending XXXX {$28000.00} they then said I owe them {$57000.00} almost twice what was paid. I feel I thought I owed a little more, however I was advised by the XXXX XXXX XXXX to contact designated legal counsel. I was told there was a decision by the 5th circuit court of appeals to prevent either party from profiting over the XXXX Retirement Board back pay on XXXX, XXXX has not explained how they ended up at the figure they did. I started receiving phone calls from A collection company who left a phone number for a return call at XXXX on XX/XX/XXXX around XXXX XXXX. I received the letter from XXXX on XX/XX/XXXX dated XX/XX/XXXX, and a letter from Brown & Joseph LLC dated XX/XX/XXXX. I was placed into collections when I freely sent in {$28000.00} of which was not mentioned by either company in their desire to profit off what was not paid to me. If you can help please let me know what I need to do.
09/15/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	VA 220XX	Web	Servicemember
am XXXX XXXX XXXX. Due to a XXXX XXXX recently I could no longer work and was placed on Long Term XXXX XXXX XXXX XXXX XXXXXXXX who referred my claim to a fraudulent company named XXXX who was supposed to help me build an XXXX claim, however I learned that XXXX only wanted my award money from Social security if awarded XXXX. When I learned this I removed XXXX from representing myself in my Social Security XXXX determination for fraudulently representing me. XXXX and Brown & Joseph debt collection agency are working together to fraudulently force me to pay {$10000.00} in a surprise corrupt overpayment fee for their health insurance services when awarded social security XXXX insurance funds. XXXX has stolen {$3100.00} of my award money from the federal government XXXX Award recently issued to me by the XXXX, VA Social Security office who has not protected me. I reported this to the FTC hoping XXXX, XXXX, and Brown & Joseph will not retaliate against me. I am requesting the agency to defend me as a U.S. citizen with health challenges. I would like the agency to exonerate me of this {$10000.00} obligation. I really need your help and for you to intervene on my behalf to bring justice for me as I battle this severe health condition and the XXXX processes. Thank you for any and all assistance and attention in this matter. They just filed and charge me for another XXXX XXXX dollars this past week
10/11/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CO 80219	Web
This is the complaint description I filled : On XX/XX/2023 XXXX ( Account Manager ) Reached out to XXXX XXXX ( Spouse ) in the attempt to get a hold of me ( XXXX ) of XXXX XXXX XXXX regarding a a business debt for XXXX XXXX XXXX. During this reference call XXXX violated multiple FDCPA S.804 Paragraph 1 and 2 S.805 Section B Without any authorization from the primary account holder, XXXX released sensitive information to a 3rd party regarding a business matter. Which includes Brown and Joseph an Attorney Office Calling to collect a debt, Amount for Debt {$35000.00} Tax Periods they are collecting for and File # XXXX Furthermore, I attempted to reach out and speak with her supervisor regarding the matter. XXXX XXXX on XX/XX/2023 XXXX XXXX. Where XXXX refused to acknowledge any wrongdoing by his team stating FDCPA does not apply to them and that Brown and Joseph are at will to disclose this information to whoever they need to in order to collect on this debt. XXXX then proceeded to ending the call because he deemed the call " Unproductive '' and refused to allow me to speak to anyone else regarding this complaint. Their lack of training from Brown and Joseph has now caused a personal conflict between XXXX and I due to a business matter that did not concern her.And our marriage is now in question due to their harassments and unfair practices.
03/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AR 72143	Web
Our XXXX company is being harassed by Brown & Joseph , LTD to pay liability insurance costs that have already been paid. Their client failed to initially contact us regarding the matter, but instead contacted our insurance agent 's assistant via email. That person retired, so the emails were n't being read. We never were contacted about the problem, until it was turned over to this collection agency, Brown & Joseph, LTD ; and then that contact was not to us but rather the insurance agent who was overseeing the assistant who retired. In fact, we never received any correspondence until we complained of not being personally contacted. Joseph & Brown, LTD has refused to give us a sufficient explanation/ evidence as to why we owe their client additional money, even though we have asked. We have given them all the documentation they have asked for, but they refuse to send us a breakdown/evidence as to why we owe this money. We are willing to pay what we owe, but only what we owe, if we are given the proper reason/breakdown/evidence as to why we owe the ADDITIONAL money. The representative for this company has used threatening language and tone ( going to go to court, etc. ) and even hung up the phone on my husband twice. The tactics and lack of initial communication regarding this matter is shameful.
04/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 194XX	Web	Servicemember
I run an XXXX in XXXX, XXXX My former accountant sent XXXX XXXX XXXX letter wishing to cancel service and then switched our phones to XXXX XXXX I received a bill from XXXX XXXX XXXX XXXX, LTD. Direct number is XXXX ext XXXX. I have told her we canceled repeatedly, however she says we did n't do it properly so we owe. I have told her I am having an attorney review the file. She called today XXXX times and is being incredibly rude to my staff, who have nothing to do with this debt. She has threatened me by stating if she wants me to stop contacting my staff then I need to give her my attorney 's name, via email that I have. I want this to stop. This is a ridiculous debt that is trying o be collected from me. The only signed contract we have is from XXXX that states after a XXXX year period then it restarts another XXXX year period. That 's XXXX. In XXXX we switched to a different phone carrier and our contract should have been cancelled. I do n't know what to do and would ask for any help you can provide. I want her to stop calling my staff and if she needs to communicate with me she can via certified mail. Please help. XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
10/21/2022	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95820	Web
I receive a monthly benefit from XXXX XXXX for a permanent XXXX policy that I had purchased. I have also recently been awarded XXXX and was awarded a large amount from XXXX for back pay from when I initially applies for XXXX in XX/XX/XXXX. XXXX XXXX asked that I remit the back pay I received to them,, as they can off-set the benefit they pay to me by whatever amount I receive from XXXX. XXXX XXXX hired a collection agency to collect the overpayment amount from me. As soon as I received the back pay from XXXX, I sent a check, for the amount requested to the collection agency that was representing XXXX XXXX, Brown & Joseph , LLC. Unbeknownst to me, they decided to reduce my repayment by my.monthly benefit amount, but did not communicate this to me at all! I sent Brown & Joseph {$53000.00} on XX/XX/XXXX. What I actually owed was {$49000.00}. I am owed {$4500.00} and I can not get Brown & Joseph to call me back ( left several messages ) and have not gotten my money back! I have XXXX and that money is needed to pay my monthly bills. I paid the amount they asked for, immediately and in good faith, and now they will not return what I overpaid!
11/14/2023	No	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	WI 54449	Web
My brother got into an accident in my car, I thought I had forced insurance through my auto loan place and I was wrong. So I'm bring sued for {$4000.00}. I was never notified. It was sent to collections with Brown & Joseph LLC XXXX XXXX XXXX. They sent me a letter telling they were going to suspend my driver 's license if it wasnt paid. I was upset with my brother so I sent him a picture of it, yelling at him for me having to pay this amount of money. He took it apone himself to call them. They allowed him to set up a payment plan under MY NAME without me being the one to call them. I called to argue this with them and they said we'll he had all the information so that's why we let him. I told them that it shouldn't matter because I was not the one to call them. They said it's fine because he put his own card on file. I don't feel they should have even Acknowledged to anyone that I even had an account there with a balance if it was not me. not to mention. I don't think they can suspend my license for something like this. I didn't even do anything. I'm only being held Responsible because the car was in my name that was it.
02/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29150	Web
This " law '' office has called me repeatedly at my office and on my cell phone ( which is listed on my office phone for patients to contact me ) saying that they have a " time sensitive issue '' for me but would not leave any information with my staff. They first titled themselves Brown and Joseph Law firm which when researched on the internet comes up as a fraudulent agency for debt collection and now, they are calling themselves XXXX XXXX XXXX. Same contact number. I do not owe anything, have received no delinquent notices of any kind from any of the companies I deal with and my accountant, who is my husband, and who is also a CPA and Chartered Accountant says there are no debts owed anywhere. How do I get a cease and desist? Also, why haven't these people been stopped?? they have been calling since XXXX leaving these vague messages. I left a message one time stating that if they could not leave a more detailed message or contact me via mail then I would not be contacting them. Please assist me ( and probably a number of other people ) with this.
02/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 229XX	Web
Brown & Joesph is Pursuing and alleged collection for a XXXX XXXX XXXX-XXXX for an original Balance ( allegedly owed ) for {$130.00}. We have disputed the alleged debt for {$130.00} about 5 times ( with Proof ) and Brown & Joseph is sending collection notices on a Debt that is not owed for {$130.00} plus their fee. Below and Attached is our Dispute letter that XXXX received from me 3 times, in XXXX, XXXX and XX/XX/2019 with proof including a Copy of the Refund check and the email explaining that our Refund on a Pre-paid shipment in XXXX for {$130.00} was being mailed. XX/XX/2019 XX/XX/XXXX, XXXX We sent this letter to XXXX twice and they ignored it. And XX/XX/2019 From- XXXX , XXXX XXXX XXXX, XXXX , VA XXXX TO : XXXX XXXX BILLING RE : XXXX XXXX Your billing system is sending us an invoice for the - {$130.00} refund check that you elected to repay us for the service failures at the delivery. The attached alleged invoice for the same amount, {$130.00} is therefore disputed as not owed. Thank you for your help. - XXXX XXXX ( XXXX )
07/03/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85730	Web
I received a debt collection letter for XXXX XXXX dollars due to an " unpaid bill '' to XXXX XXXX. Not only was the original bill to XXXX XXXX XXXX XXXX but it was paid twice by accident and was refunded XXXX with a XXXX balance. It was NEVER sent to a collection agency. And it was never XXXX XXXX dollars. I contacted my XXXX XXXX XXXX the day I received the collection letter, Friday XX/XX/XXXX and verified that it was a scam and that in fact I did not owe ANY money. I do have an active account with XXXX XXXX but that account is current. Monday, XX/XX/XXXX, Brown and Joseph called my personal phone and started harrassing me for the XXXX. When I asked them why they said it was an unpaid work mans comp contract. When I asked why it was XXXX they back peddled and said that was a mistake and that i owe XXXX. ( Which I dont ). This company uses scare tactics to try to collect. Threatening bad credit... If they are legit, they are not competent.
07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	KS 662XX	Web
I was contacted at XXXX CST by a XXXX XXXX . She asked about an outstanding invoice with XXXX XXXX. She asked if I was having financial difficulty, I told her no, that my contract ended. I was obligated to pay 6 months, I paid that. She asked if I read the terms and conditions of my contract, I explained that I had. I told her I had a copy of my contract I would send her that states the effective end date and a highlighted portion that shows the automatic rollover clause was NOT effective per my request. XXXX said I had to pay immediately, I told her I was not paying something I did not agree to pay, when I hung up the phone, she immediately called back, I sent the call to VM. XXXX then called back immediately a XXXX time.I sent that to voicemail. She the called my employer, asked for " Who ever was over me '' and then complained that I was rude.
06/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 95404	Web
This company suddenly began calling about a debt that was a result of an audit done in 2013. we were never informed of the outcome of the audit and assumed it was because the Insurance Company went out of business. It took multiple requests to even get a copy for this audit. I was told I was a liar, I was stalling, my agent was a liar etc. They threatened legal action, impersonated a law firm, threatened to have our current insurance cancelled and even put us out of business. My agent even called them and asked them to stop collection attempts, as we were disputing the audit directly with the Insurance Company. There have been calls from XXXX different people from this firm. XXXX have been the most vicious and abusive people I have EVER encountered in my life. I have been called every name in the book while trying to communicate with them.
03/17/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75093	Web
We have insurance through XXXX financial for business and its being withdrawn with auto pay, suddenly we are receiving repeated calls from this debt collector ( listed below ) for unknown numbers, we are going through tough times and spent last 2-3 months with multiple 911 calls and hospital due to XXXX and this company keep calling during the entire time and sending threats, last chances and all those wording! when responding to their email the person does not exist and email got returned! Please take an immediate action against them while we continue to check with XXXX and resolve this issue once time permit. XXXX XXXX Toll Free : XXXX x XXXX Direct : XXXX FAX : XXXX Brown & Joseph , LLC Accounts Receivable Management Firm Credit and Collection Specialist XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois, XXXX Thanks XXXX XXXX
07/31/2017	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA XXXXX	Web
Hello, approximately 6 months ago XXXX XXXX form a co named Brown and Joseph in ILL called me and said they were collecting a dept from and insurance pollicy for my workers comp that i failed to properly complete my audit. i explained all moneys were paid and that i changed insurance cos. He said he was going to file a lawsuit and lein my house and co but if i gave him {$3000.00} he could reopen case and tell me what costs were from. I foolishly paid him and set docs. He contacted me agin to collect, when i researched his co found many complaints like mine .He is rude and is harrassing me with phone calls. please let me know if there are ways i could get my fraudulently taken funds. There contact info is below. Thank You XXXX XXXX, Brown and Joseph limited management and consulting XXXX XXXX XXXX # XXXX Rolling XXXX iL XXXX
09/13/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 79936	Web
I have never had an account with XXXX and have never paid or agreed to pay them for freight. They have harassed me after I have continued to ask them to speak with whichever broker was used. Whatever Account this is does not belong to XXXX XXXX XXXX, or any of its subsidiaries. They should reach out to whoever they have a contract or account with and figure this out themselves because there is no contractual agreement or payment agreement that was given from XXXX XXXX XXXX to anyone at XXXX XXXX. XXXX should show original written and signed agreement if there ever was, which of course even if there was any, it would be fraudulent. Stop bullying small businesses and trying to harass individuals. This is unprofessional and unnecessary for a company that should be serving its clients but is instead trying to threaten them.
05/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 109XX	Web
A company called Brown and Joseph from XXXX Illinois is claiming to represent XXXX XXXX. They have called me a least a dozen times and I have gotten a letter also claiming I owe {$1000.00}, I do not owe any money to XXXX and have confirmed this with XXXX, Sent receipt of cancelled XXXX comp that states this twice through emails to XXXX XXXX, XXXX. Been getting theses calls for the past 6weeks and the most recent was today, XX/XX/2023. This is no billing error, I am on auto pay with my other business policies through XXXX. It is a clear attempt of fraud. Reviews for Brown and Joseph have many people with the same experience, with many being duped into paying a fraudulent collection agency. Why are these people still in business? This is a criminal matter that is taking place on U.S. soil. Hoping justice is served.
08/17/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 125XX	Web	Older American
On XX/XX/XXXX I received a letter from Brown & Joseph, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX regarding a debt of {$120.00} owed to the XXXX XXXX XXXX XXXX XXXX. Because I have no record of owing this money and no idea what insurance product I supposedly received, I wrote back on XX/XX/XXXX requesting written verification of the debt, including copies of any invoices and the group insurance policy. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Brown & Joseph stating the account would be turned over to a law firm unless I paid the amount due within 48 hours. I called on XX/XX/XXXX and was told the account would be turned over at XXXX XXXX that day and that they would not provide me with any details. I still don't know what the debt is for.
09/17/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 95747	Web
Brown and Joseph collection law firm was contacted by my attorney in regards to collecting funds that are a violation of the fair credit reporting act. The firm has recieved the letter from my attorney with case law yet the company is sending second notices to me to intimidate me and cause me more problems and threats to harm me by lawsuit or damaging my credit. The precedents in this matter have been clearly provided along with proof that the documents were sent to them yet the collection firm is using strong arm tactics to attempt to harass me and cause me undue hardship. I am hereby requesting help to get this resolved as the company should stop immediately per the case law established and that they are well aware of.
09/14/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90034	Web
My complaint is against Brown & Joseph LLC dba XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a letter and called my phone to collect {$3900.00}. They have the year make model of my car, my name, my address, and my telephone number. They are collecting for an 'insurance claim ' that on XX/XX/2022 I side swiped a car and sped off leaving another car to repair damages on XXXX & XXXX XXXX '', two avenues that do not intersect, in XXXX XXXX XXXX CA. The date they claim, XX/XX/XXXX is impossible for me to be at the scene because I was in XXXX, MD at that time and my car had been parked for a two week period.
11/23/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 22556	Web
I had a business insurance policy with XXXX for 1 year that was paid in full. After a year, they invoiced me a bill for a renewal policy without my agreement or signature. After contacting them regarding this mistake, they said, to send documentation of my current policy with another company for the period questioned and they would look into reviewing it to cancel. If not, it is automatically renewed. I contacted them 3 time regarding this mistake. They have now referred invoice to a collection agency for none payment of {$100.00}. I did not request for this renewal policy or sign any documents. This is unfair practices.
06/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91301	Web	Older American
The collector is a company named Brown & Joseph , LLC. They are representing XXXX XXXX XXXX. They claim I owe {$620.00} for an insurance policy I never renewed. I have notified Brown & Joseph, LLC three times that I did not renew the policy. Twice, I requested documentation from them, which I am entitled to do under federal law. The most recent time, I provided documentation proving I did not renew the policy. Brown & Joseph refuses to acknowledge my lawful request and continues to harrass me by Email, phone and mail. Their representatives on the phone are extremely rude and have called me a liar.
04/28/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10461	Web
On or about XXXXI notified XXXX XXXX that I was not satisfied with the training that I was offered and confirmed XXXX XXXXXXXX XXXX XXXXXXXX that I could cancel my subscription and re-subscribe at a later time without consequences. I've had several conversation with since then and have been advised that the account is now in collections for XXXX XXXX.I am now going back and forth with Brown and Joseph The collection company as well as with XXXX billing dept without success and have suffered a great financial loss as a result of not being able to work because my companies now only use XXXX
10/14/2015	No	Debt collection I do not know	False statements or representation Indicated committed crime not paying	PA XXXXX	Web
A man named XXXX XXXX from a collection agency called XXXX XXXX XXXX in Illinois made a harassing phone call to our business today. He claimed that we owed a company called XXXX XXXX for a surety bond related to a shipment that was delivered to our building ( XXXX XXXX XXXX XXXX, XXXX PA XXXX ) in XX/XX/XXXX. We have never done business with XXXX XXXX. We have never requested a surety bond from any shipping company. We did not even own the building in XX/XX/XXXX. We bought the building in XX/XX/XXXX. XXXX XXXX claimed that we had received multiple notices from XXXX, which we had not.
08/31/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	IL 60707	Web
On XX/XX/17 I was contacted by XXXX XXXX from the company Brown & Joseph , Ltd. located in XXXX, IL, threatening me to pay a debt that I did n't even know I had and taking my case to a court room. He was demanding me to pay over thousand dollar in workers compensation policy that I never had because I decided for another company. He also said he was going to talk to me in XXXX as I did n't understand English.. I am not a XXXX speaking person and I speak English. He finally sent me an email saying It was better to pay the amount before XXXX Central Time, or the case would go worse.
05/10/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MA 02360	Web
I had XXXX insurance with XXXX insurance because we thought we where going to get a large contract and open a business. The contract fill thru and we did not open our company but we paid the insurance policy anyway in good faith. We got paperwork to audit the policy and I filled it out explaining that we did no work because we never opened. They sent the balance that they made up to Brown and Joseph in IL that have be rude and treated me on several occasions!! I have done my part with XXXX and they have not done anything and Brown and Joseph are being scary!
05/10/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	ME 04401	Web
Today I received a letter from Brown and Joseph for {$69.00} from XXXX who did an audit of which they asked me to provide. The letter threatens legal action, additional fees, etc. all for an adjusted value, no phone calls, and my insurance agent who sold me the plan never knew either. The adjustment would be them owing me money for overcharges as I had less than expected revenue and less employees. The charge is fraud and the attempts to collect are against the FTC rules by threatening legal action without even attempting to validate the debt.
06/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37043	Web
Received a letter from Bown & Joseph LLC dated XX/XX/XXXX regarding {$45.00} owed by us to XXXX XXXX XXXX Called and left messages twice and talked to someone one time. He said I needed written documentation from XXXX XXXX XXXX that we did not owe the debt. I emailed the written email from XXXX XXXX XXXX that we did not owe the debt on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have never received a response to date. I went on the collector 's website and the amount is still available to pay, so they have not closed the matter.
12/08/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30013	Web
For years I have been fighting with this company about this debt that they are reporting. The debt was paid to XXXX. I have told them that this is reporting incorrectly. The original account is more than seven years old and they are still trying to collect on this debt. This incorrect reporting is effecting the quality of my life. This debt was paid to the original creditor. I will not pay a debt twice. Somewhere along the line somebody dropped the ball. I have attached the page that it appears on my credit report.
01/22/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34746	Web
I just saw this Collection Account from Brown and Joseph , LTD which is showing {$0.00} balance. According to Brown and Joseph the collection was open on behalf of XXXX XXXX, which I have not done business with for a very long time and was never in debt with, hence it says {$0.00} balance. Also, I have never received any collection notices over mail or phone from Brown and Joseph , LTD or XXXX XXXX. This needs to be removed from my Credit Reports because the information is incorrect and erroneous.
11/11/2020	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 60643	Web
A collection agency called and STATED that he was from XXXX XXXX then STATED that we owed {$840.00}. We were confused because we remembered paying it. My husband paid it and we then discovered from the insurance company, XXXX XXXX XXXX XXXX XXXX, that the debt is not owed. The name of the collector is XXXX XXXX XXXX. My official insurance company 's name is XXXX XXXX at XXXX XXXX. My insurance is paid up until 2021. Here is what he sent me afterwards.
04/25/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30087	Web
We have received 3 letters from Brown & Joseph for a debt we do not owe. I responded to the first letter with a fax and letter stating the debt was not ours and not to contact us again in regards to this debt. When we received the second letter, I sent a certified letter with a copy of the first letter and another letter stating not to contact us again. When we received the third letter, I called and left a message with XXXX at the firm.
12/04/2022	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85351	Web
Brown & Joseph , LLC sent a letter alleging a balance due to XXXX XXXX XXXX XXXX. " Regretfully you have failed to reply to our repeated request to voluntarily resolve this matter ... .Unless payment in full is secured immediately, our client has requested that we immediately refer this account to the XXXX XXXX XXXX. '' The put a stub to send payment to XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX. This is a ghost debt. Made up.
01/03/2020	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	WA 98682	Web
This is a debt that is not mine. It belongs to a business entity and was cancelled because they insured the wrong party/address and in wrong state. I asked them to stop calling me. They call and leave voice mails as if they are attorneys and never specifying that this is a debt collection/attempting to collect a debt. Collection Agency : Brown & Joseph , Ltd. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX
05/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 27609	Web
Brown & Joseph, LLC has sent numerous notices requesting payment for an insurance policy that has been cancelled with the XXXX XXXX XXXX and has been confirmed cancelled with nothing owed by both XXXX and our insurance agent, XXXX. We have provided that information to Brown & Joseph on numerous occasions, yet there communications and requests for payment not owed persist.
11/30/2022	No	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 78232	Web	Servicemember
Attempting to collect my social security XXXX XXXX for my long term insurance company XXXX XXXX. I haven't received back pay and I have explained it to them but they said my benefits may be cut if they don't get the money. I don't have it. XXXX XXXX also suggested I get my wife an increase in XXXX so they can cut my benefits.
04/21/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 060XX	Web	Older American
A XXXX XXXX XXXX XXXX, Case # XXXX XXXX XXXX ] has been constantly calling me for a debt that I do not owe for a company that I formerly owned but have n't owned in three years. There has been two owners since. He is calling on behalf of the XXXX XXXX Company. I never used them for insurance and do n't know who their agent is.
05/17/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MI 48071	Web
BROWN AND JOESPH LTD C ALLS MULTIPLE TIMES A DAY, HARASSING MY EMPLOYEES AND DISRUPTING OUR WORK TRYING TO COLLECT A DEBT WHICH WE HAVE PAID IN FULL TO THE COMPANY THEY ARE REPRESENTING WE HAVE TOLD THEM TO STOP CALLING AND JUST SUE US, IF THATS WHAT THEY CHOOSE TO DO, BUT TO PLEASE STOP CALLING
07/18/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 22003	Web
Brown & Joseph , LLC created an email and sent it to family members telling them its for debt collection. Mass generated email of relatives and sent the bill to be paid and how to pay to rest of the family. It is a clear violation of privacy and collection practices.
02/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92394	Web	Servicemember
Brown and Joseph LTD. Keeps trying to collect a debt of XXXX dollars for XXXX. I never had this account, policy or collection. They have reported the collection to XXXX and it is affecting my credit report. I do not owe this money and this is not my account.
04/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ XXXXX	Web
BROWN AND JOSEPH LTD is a debt collection company that has continued to send me letters and call me on the phone regarding a collection from XXXX XXXX. This collection was included in my bankruptcy and has already been discharged in XXXX 2015.
06/13/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	WA 98686	Web
Brown & Joseph LLC is trying to collect money from me for an auto insurance company Ive never used. My auto insurer confirms Ive paid my bills in full and have no debt with them. My credit score is near perfect. This appears to be a scam.
11/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	ME 046XX	Web
XXXX I called and left a vm no response on two occasions XXXX I emailed them no response two occasionsXXXX the company is called XXXX and XXXX number is XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
10/27/2017	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	AZ XXXXX	Web
original credit was XXXX a member of XXXX XXXX. Never done business with this company. I sent a 30 -Day Validation notice on XXXX XXXX, 2017. Have never heard back from this company.
02/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 070XX	Web
I work for a company that had an insurance audit by XXXX XXXX. The debt collector called me on my personal cell phone to collect a debt owed by the company I work for.
03/05/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33024	Web
On XX/XX/2020, XX/XX/2020 and XX/XX/2020 the Joseph and brown debt collectors called and are threatening me that if I do not pay $ XXXX they will sue me.
02/03/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70117	Web
Attempted to collect on a debt over an auto accident that did not occur. Threatening suspension of driver 's license over non payment.
01/19/2024	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 121XX	Web	Older American, Servicemember

10/12/2023	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TN 37769	Phone	Servicemember

08/15/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91910	Web

08/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20774	Web

07/28/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48211	Web

05/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17737	Web

01/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97045	Web

12/17/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 63367	Web	Older American

09/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22152	Web

07/19/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 61616	Referral

05/12/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	WA 98034	Phone	Older American

05/04/2022	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 34203	Web	Servicemember

04/12/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MA 02368	Web

03/07/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77591	Web

01/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27520	Web

07/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 35244	Postal mail

01/20/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30081	Web

01/19/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11235	Web

10/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07976	Web

03/03/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30009	Web

02/04/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95215	Phone

06/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06477	Web

03/05/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 92708	Referral

12/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30236	Postal mail

11/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 54751	Postal mail

11/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78729	Web

10/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30088	Web

09/18/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 20876	Web

08/31/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33023	Web

04/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60506	Web

12/05/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33498	Web

11/02/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 21901	Web

09/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08512	Phone

06/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85355	Postal mail

06/15/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85253	Web

05/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91307	Fax

05/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85355	Phone

04/27/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27407	Web

04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 19446	Referral

02/01/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 12569	Web

08/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11516	Postal mail

05/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NJ 07108	Web

05/13/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75010	Web

05/12/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	ID 83501	Web

03/17/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 76634	Web	Servicemember

02/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90815	Web

01/22/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AZ 85076	Web

11/27/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 90262	Fax

10/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	TX 79701	Referral

07/20/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CA 91355	Web

07/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98004	Web

06/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77073	Referral

04/07/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NY 11783	Postal mail

04/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VI 00802	Postal mail

03/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CT 06477	Web

02/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KS 66085	Web	Servicemember

02/03/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11358	Web

01/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91763	Web

11/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60089	Web

11/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 92392	Web

10/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80226	Web

10/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NY 10013	Web

10/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 93301	Web	Servicemember

10/20/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	ME 04345	Web

09/22/2014	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	CA 90245	Web

07/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	VA 20110	Web

06/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 10461	Phone

04/24/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 94404	Web

03/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 10001	Phone	Older American

02/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60532	Web

02/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37087	Web

02/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32789	Web

02/12/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	FL 33166	Web

02/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	TN 38574	Web

01/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29229	Web

01/15/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	FL 32771	Web

12/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	SC 29809	Web

12/11/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	CA 93727	Web

11/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 21209	Web

10/29/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	FL 34420	Referral

10/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32219	Web

10/03/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NV 89445	Web