Carpenter, Hazlewood, Delgado & Bolen, PLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/18/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AZ 85756	Web
XXXX XXXX XXXX would not accept my payment in XX/XX/XXXX if I did not sign their legal contract. I told them I did not want to sign it because I did not agree with some of the things the contract stated. I tried to give them assessment money. They would not accept the money without signing their contract and threatened me with legal action for non-payment, even though they would not accept my payment at that time without signing. This took place with a woman in the back office who works in the office that is located at the second entrance at XXXX, she handles late accounts. So because I was forced to sign under duress, I crossed out items and didn't fully read some of it because my head was spinning from such a threat as legal action. I had cried to my mother and several others concerning how I felt after this situation. To this day, XXXX has not sent me a payment booklet to make payments on. This is the second year I have not received it. I have tried to make payments online but my account online is invalid. I have gone into XXXX concerning my online account, they told me I can't pay online when I owe money. Secondly, on XX/XX/XXXX XXXX said I owed {$310.00} for home owner 's association fees and if I didn't pay, they would put a lien on my house with an additional {$200.00} fee for the lien. I tried to make a payment online but it said that my online account was invalid. I went in and paid {$120.00} on XX/XX/XXXX which brought the amount down to {$190.00}. I asked about my online account, they said because I owe money, I can't make online payments. I went back in on I think it was about XX/XX/XXXX with {$200.00} to pay the rest of the fees but XXXX XXXX XXXX refused to accept my payment. They told me they sent out my account to a debt collector. I have a witness that XXXX refused to accept my payment. I asked how I can pay the next month 's assessment, the young lady said I would have to take it up with Carpenter Hazlewood to clear any charges first. Later on I received a letter from Carpenter Hazlewood that stated they were a debt collector trying to collect a debt for XXXX XXXX XXXX. The letter stated I owed almost {$500.00}. I did not pay due to XXXX refusing my payment that would have covered the rest of the fees and because Carpenter Hazlewood charged more than 50 % of monies owed for the lien and any legal fees to make payment arrangements. I had received a letter from Carpenter Hazlewood on XX/XX/XXXX that I owed aproximately {$1400.00} and that if I had paid that amount, we would be settled. I am not rich, it takes time to come up with that kind of money. They took me to court and on XX/XX/XXXX i paid {$1400.00}. I recently received a breakdown that said {$1200.00} legal fees have not yet posted which was to the monies I already paid of {$1400.00}. As of today, Carpenter Hazlewood has continued to assess attorney fees, additional legal fees, and have taken me to court. While the fees are accruing there, XXXX continues to accrue interest, referral fees, and assessments. I received a letter stating that XXXX believes I owe {$1300.00} and that the legal fees of {$1200.00} have not yet posted. This is ridiculous considering XXXX refused to accept my payment less than two months after I paid almost half of the monies they said I owed. I feel that XXXX XXXX XXXX bully people and try to make the homeowner afraid by forcing them to sign their contracts under duress with threats of taking legal action and being sued for non-payment, yet they would not accept my payment without me signing their contract. As of today, XXXX has sent me to " collections '' with Carpenter, Hazlewood, Delgado & Bolen, LLP for {$190.00}, when in actuality they are an " Attorney at Law '' company. They are trying to impose their fees as attorneys instead of being debt collectors, as they have stated in a letter, they were acting as. Because I have already been threatened by XXXX and now Carpenter Hazlewood have taken me to court and has filed a application for default in court against me the same day I made a payment of {$1400.00}. I am not an attorney and am a single parent trying to make ends meat for my eldest child whom is in college and for my XXXX year old. If I do not work, I do not get paid. I am not a full time attorney that can easily get to a court room and file things I do not know much about. I can not afford an attorney. The ball is in these companies court and I am afraid of them and what they can do or try to take away from me .... Especially since XXXX threatens me to sign their contracts. I am afraid of what Carpenter Hazlewood could do to me. I fear what other capabilities these companies have in court if I don't comply with their demands or sign what they want. I am even afraid of what they can do to me in court or with my home just by filling this complaint. I other documents to prove some of these things which I have to look for. Please help me ...
10/11/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AZ 85234	Web
Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Re : Complaint Against Carpenter, Hazlewood, Delgado & Bolen LLP Dear Sir/Madam, I am writing to formally file a complaint against the law firm of Carpenter, Hazlewood , Delgado & Bolen LLP , regarding their refusal to provide a debt validation letter and the payoff balance of delinquent Homeowners ' Association ( HOA ) fees as requested by me. My point of contact at the law firm has been XXXX XXXX, an XXXX XXXX XXXX. Despite numerous requests, XXXX XXXX has repeatedly declined to furnish any documentation that would enable me to settle and pay off this debt. I have made XXXX significant contacts with XXXX XXXX, which I would like to detail here : XXXX. First Contact XXXX XXXX XXXX XXXX ) : On XXXX XXXX XXXX I had my initial contact with XXXX XXXX following my receipt of a contract lien foreclosure complaint. It is essential to note that prior to receiving this letter, I had initiated the application process with the Homeowner Assistance Fund ( HAF ) and the Arizona Department of Housing ( ADOH ) for mortgage assistance and assistance with the delinquent HOA debt. As part of the application process, I was required to provide documentation, including a statement from the condo, HOA, co-op, or other association showing the past due amount, to confirm a XXXX related hardship. During my conversation with XXXX XXXX, she informed me that she was unable to provide a payoff balance without serving me with a lawsuit, but she estimated it to be close to {$8800.00}. She mentioned that the exact amount would only be available after I was served, as all legal and filing fees needed to be calculated. This action directly contradicts the legal obligation of a debt collector to provide debt validation upon request. XXXX. Second Contact ( XX/XX/ ) : On XXXX XXXX XXXX I made my second attempt to obtain a payoff balance from the law firm, this time by phone. During this conversation with XXXX, I explicitly requested a debt validation for the payoff balance to finalize my applications with ADOH and HAF. XXXX XXXX promised to send the necessary documents via email. Shortly after our conversation, I received an email from XXXX XXXX dated XXXX XXXX XXXX which raises serious concerns : [ Email from XXXX XXXX ] Subject : Regarding Lawsuit Service Date : XXXX XXXX XXXX From : XXXX XXXX XXXX To : XXXX " I am seeing that you have not been served with a copy of the lawsuit yet. Before I can provide a balance due, we need to obtain service. Please advise if you would be willing to sign a waiver of service or if there is a good time to send out the process server. The process server has attempted three times so far and no one was home. '' The above email from XXXX XXXX highlights a disturbing violation of Carpenter, Hazlewood, Delgado & Bolen LLP 's legal obligations and compliance under the Fair Debt Collection Practices Act ( FDCPA ). This communication appears to be a form of entrapment or quid pro quo, as it implies that the provision of debt information is contingent upon serving me with a lawsuit. This strategy appears to manipulate me into signing a waiver of service form, which may then enable them to use predatory and harassing tactics to serve legal papers. These actions and denials by Carpenter, Hazlewood, Delgado & Bolen LLP, as exhibited through XXXX XXXX 's communication, are in direct contradiction to the FDCPA, which mandates that debt collectors provide debt validation information upon request and refrain from engaging in unfair or deceptive practices. I am filing this complaint to request the intervention of the Consumer Financial Protection Bureau in ensuring that Carpenter, Hazlewood, Delgado & Bolen LLP complies with its legal obligations under the FDCPA and promptly provides the requested debt validation information and payoff balance. Please investigate this matter and take appropriate actions to ensure that Carpenter, Hazlewood, Delgado & Bolen LLP complies with the law. I appreciate your prompt attention to this matter and request that you keep me informed of any actions taken as a result of this complaint. Thank you for your assistance in resolving this issue.
08/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	AZ 85142	Web	Servicemember
To the Consumer Financial Protection Bureau, I own a home located at XXXX XXXX XXXX XXXX, XXXX XXXX Arizona XXXX and pay my XXXX fees to XXXX XXXX XXXX currently. In XXXX 2016 I made the assessment payment in the amount of {$250.00} In XXXX 2016 I received a letter from XXXX XXXX XXXX, regarding weeds in my front yard, and immediately corrected the problem. My next quarterly assessment to XXXX XXXX was due in XXXX 2016 of {$250.00} I unintentionally missed this payment, and proceeded online to attempt to make XXXX quarterly assessment payments at once. I was blocked from XXXX XXXX online bill pay. I called regarding my account and was sent to voicemail. Several days later I received a Notice of Lien filed against my home in XXXX XXXX, Arizona. After a couple of attempts, on XXXX/XXXX/16 I had the opportunity to speak with a specialist from XXXX XXXX, who was unable to give me any information regarding my account, and only advised me that this was sent to an attorney for collections, and that I needed to contact the attorney for any information. The attorney was XXXX, XXXX, XXXX XXXX XXXX in XXXX, Arizona. Their email address is XXXXXXXXXXXX. I spoke with a XXXX XXXX XXXX, who provided me with a list of fees that they claimed I owed, totally {$1500.00}!!! She could not tell me when any of the demand letters they charged me for were sent out, she could not advise me if any collection phone calls were made, and could not explain to me how XXXX missed {$250.00} quarterly assessment, turned into a lien on my home, and an outstanding balance {$1500.00}, that continue to create additional fees that I have to pay. I sent an email to XXXX ( that 's how I was advised to obtain information ) at XXXXXXXXXXXX. I received no response, nor have I ever been contacted via phone or letter for a payment, other than the XXXX I stated above. I also saw on the list of fees that I supposedly owe that I was being charged {$100.00} for weed fines. These have been kept up since the initial letter, and I do n't understand why I am being singled out for this. If anyone could kindly assist me, I feel taken advantage of as a consumer and home owner. I do n't understand why no one will help me or explain to me how to resolve this. I do n't understand how a missed assessment payment of {$250.00} has quickly compounded attorney 's fees, document fees and a lien on my home. I understand as a consumer, that if you have a late payment, a reasonable fee to be assessed would be expected. As a single, female home owner, who takes every precaution to pay my bills and protect my credit, I feel targeted by XXXX XXXX and am desperately seeking the assistance of the CFPB. XXXX XXXX
07/09/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 60563	Web	Older American
Carpenter Hazlewood is a law firm attempting to collect debts claimed to be owed to my homeowners association. It obtained an injunctive order from the Courts by misrepresenting me and the facts of their claims, thus defrauding the court leading to its injunctive action. The injunction allowed the Association to restore common area landscaping which straddled my property and was installed to stabilize a slopping embankment. The Association hired a contractor to restore the embankment as allowed by the court, but in the process, trespassed on my property, damaged the landscaping on my property and stole personal property boulders that enhanced the property values of the neighborhood. In effect, the Association hired a perpetrator to perform a criminal act. All of their actions were recorded on surveillance tapes, the perpetrators were informed of their trespass and that they would be charged with criminal trespass, property damage and theft by loudspeakers as the act was performed. Police were called and criminal complaints were filed with both the XXXX Police and XXXX Sheriffs Departments. Both have been asked to investigate the criminal complaints. This is the very definition of racketeering by the Association Board of Directors. So now Carpenter Hazlewood is harassing me by threatening legal action and foreclosure of my property if I dont pay fees and expenses that they demand. No credit for the stolen property or damaged property is deducted from those costs. These demands for payment is an abuse of the courts to bully and suppress residents under the color of Law. It has made a mockery of our God Given rights under the Constitution for the United States and no agency of the government is willing to uphold the rule of law. I am hoping you will.
09/08/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AZ 85326	Web
I bought my home 8 years ago and paid cash for it up front. Anyway over time I found out my ex never paid our HOA. A couple of years ago I entered into an agreement with the attorneys for XXXX XXXX XXXX XXXX that they would remove the lien and other owed funds once i made a one time payment of XXXX which I made and notified them of the payment at that time. Anyway they never took the lien off my home instead they compounded it with legal fees and are now foreclosing on me. They never let the judge know about this agreement and when I spoke with their attorney I was told they would no longer honor the agreement we had even though it is in my file and I do have the negotiations and agreement in my email. They just plan on taking my house just like that. XXXX XXXX made the agreement with me on their behave she is the Director of Collections for Carpenter Hazelwood and they say I now owe over 20k dollars all of which are legal fees which I would not have had if they had honored the agreement. I still have all the emails including the negotiations and XXXX telling me they would remove the lien from my home and eliminate the small amount left. In addition to this I am never notified of any court dates either I am only notified after the fact and I am certian this is because they know I will make the judge aware of the agreement. So the judge has signed a foreclosure without having the information and I have been holding them off but am now out of options. How is this legal or even remotely fair business practices? I really need help
11/22/2017	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AZ 85224	Web
This Complaint is being filed due to this firms lack of competent business practices and the manner in which this firm has attempted to extort excessive fees and charges due to an alleged balance they are attempting to collect on. This firm lacks any sort of consistency or professionalism and in trying to contact the incompetent individuals that are employed by this firm I have been met with a severe lack of follow up or professionalism. This Firm is attempting to collect on behalf of XXXX XXXX which is an XXXX firm that has failed to follow due diligence in its effort to conduct any sort of relevant business. Due to this companies lack of protocol or process they have now attempted to serve me on an erroneous lawsuit with excessive and what should be considered illegal fees and additional charges. I have made an attempt to contact this company prior and left messages on 2 separate occasions for a XXXX and XXXX, but have yet to have anyone from this organization reach out to me to discuss this matter. I am absolutely disgusted at the manner in which this firm has billed me, and I refuse to be bullied or extorted via a lawsuit. My recommendation is this firm needs to do a complete re evaluation on its business practices and I demand a review of this account and all of the erroneuos charges they have billed. I refuse to pay this companies excessive fees and will demand that they be removed.
07/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	AZ 85757	Web
XXXX XXXX XXXX XXXX, managed by XXXX XXXX has received a judgement against my home that I am attempting to sell as a short sale and the attorney representing them is not willing to submit a settlement to the XXXX XXXX XXXX XXXX or XXXX on the contrary they have said in an email to my Real Estate Broker that they are going to charge addtional fees on this file if he continued to ask questions of them regarding the debt settlement. They are forcing foreclosure upon me when HUD and XXXX XXXX have allowed them a settlement amount and they are not willing to negotiate their inflated fees and settle this account so my home can be sold.
05/29/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AZ 85756	Web	Servicemember

01/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AZ 85374	Web