Couch Lambert LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
04/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • TX
  • 761XX
Web
On or about in the month of XXXX or XXXX last year in XXXX the XXXX XXXX XXXX, XXXX XXXX contacted me through a law firm in Louisiana. The law firms name being Couch Lambert LLC. For which they received a Debt Validation and a Cease and Desist notice. They then sent me a package of statements, which was not what I requested from their office. I requested a valid " wet ink signature '' on any contract from Couch Lambert LLC and XXXX XXXX XXXXXXXX, XXXX XXXX also known as ( XXXX ) as shown in their letters. On XX/XX/XXXX of XXXX the Credit Reporting Agencies removed the account from my credit report after my dispute finished. I received a summons for court on XX/XX/XXXX for the first notice. They rescheduled the summons to XX/XX/XXXX and then another reschedule on XX/XX/XXXX. Later, a motion for continuance was granted for a date not earlier than 90 days from the last date for which we were to appear in court on XX/XX/XXXX. Then we finally ended in court on XX/XX/XXXX for which a motion to dismiss for which the motion was denied. There have been several violations against my consumer rights. They are attempting to collect a debt through an attorney law firm which is a third party. I, the affiant, and consumer, a natural person do not have a contract with Couch Lambert LLC and I demand of them the burden of proof. They must show me a contract that I signed with them in order for them to even attempt to collect this debt. While in court the attorney XXXX XXXX XXXX tried to coerce me into being a surety for something they do not have a contract for since their court operates off of contract law. This is a violation pursuant to 15 United States Code subsection 1692e ( 3 ) for an attorney can not be an attorney and a debt collector at the same time. They are trying to place themselves in a position to potentially garnishment my wages and income. This is a violation of 15 United States Code subsection 16923 ( 4 ). It is also to my attention as I, the affiant, am aware that a consumer can not commit a crime pursuant to Title 15 of the United States Codes subsection 1692e ( 7 ). Notice it is a fact affiant is aware and has proof in Exhibit " B '' for which the accounts has been removed from the credit reporting agencies XXXX, and XXXX. It is only reporting on XXXX for which I have contacted them several times to remove the negative as the debt has not been validated. The debt validation was done pursuant to Title 15 of the United States Codes 1692g stating the amount of alleged debt, and name of alleged creditor. The miranda was in their letter as follows " unless the debt within thirty days after the receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. '' However, there's a problem with this because the debt collector is a law firm agency and that agency only holds attorney 's which in itself is a violation pursuant to Title 15 of the United States Codes subsection 1692e ( 3 ) again. Next, the other Miranda was in their letter as follows " if you notify the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed the debt collector will obtain verification of the debt or a copy of a judgment against the consumer by the debt collector. '' This is still a violation pursuant to Title 15 of the United States Codes subsection 1692e ( 3 ) as Couch Lambert LLC is a law firm holding nothing but attorneys. Notice, it is a fact, affiant is aware pursuant to Title 15 of the United States Codes subsection 1692i ( a ) ( 2 ) when debt is not secured by real property, COUCH LAMBERT LLC can only sue if the contract authorizes the ability for the debt collector to sue the affiant, I, the affiant, did not sign any such contract to authorize a lawsuit against me and this legal action is a violation of Title 15 of the United States Codes subsection 1692i ( a ) ( 2 ) .Notice, it is a fact, I, the affiant is aware, as pursuant to Title 15 of the United States Codes subsection 1692i ( b ) COUCH LAMBERT LLC was given no legal authorization nor do I authorize the bringing of any legal action against, I, the consumer, in fact. Now, as it pertains to XXXX holding the negative account XXXX XXXX XXXX, XXXX XXXX a.k.a ( XXXX ) on my credit report. The negative information was removed from XXXX and XXXX which means they are reporting inaccurate information to damage my credit score. This is causing me mental anguish, its hurting my ability to buy and sell as I, the consumer, see fit. Pursuant to Title 15 of the United States Codes subsection 1681 ( b ) all consumer reporting agencies, must follow reasonable procedures pursuant to 15 USC 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this is a violation within itself. Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report for XXXX is { XXXX XXXX XXXX and account number XXXX }. This is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed. Notice, it is a fact, affiant is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I, the affiant, allege no such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( e ) and the { XXXX XXXX XXXX and account number XXXX } must be removed from XXXX on XXXX counts. As they have not validated, nor shown me an investigative report, and they are reporting inaccurate information as XXXX credit reporting agencies being XXXX and XXXX have deleted the negative account and XXXX is still reporting false and inaccurate information on my credit report.
08/12/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • XXXXX
Web Older American
Couch Lambert has violated the following FDCPA declaration and violations : 802. Congressional findings and declarations of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Comment : I believe Couch Lambert has invaded my privacy, caused me stress, and have impeded my ability to secure professional employment. 807. False or misleading representations ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; Comment : An original agreement was never givenThe debt was settled in XX/XX/2019 with XXXX XXXX XXXX for a much lower amount. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. Comment : I was disgraced and humiliated during court proceeding ; they were awarded a huge summary judgment as a result. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Comment : Couch Lambert ignored multiple requests for discovery evidence. Couch Lambert made no effort to secure proper and full records. Couch Lamberts lawyer emailed me a hardship form ; when I asked her if this was the hardship form for their client, XXXX XXXX XXXX, she replied that was the form and again emailed the same from. The form was actually a debt collection form so they could gain more information about my finances before getting a judgment. I will attach the form. 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Comment : They furnished a debt collection form with Couch Lamberts name which she said was XXXX XXXX XXXX hardship form. I do not think XXXX XXXX XXXX was even participating. I have talked to other legal counsel and they said they believe this to be a disbarment level offense by the Couch LambertXXXX XXXX XXXX counsel XXXX ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 15 USC 1692k 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; Comment : They have received a judgment for {$11000.00} and for all the costs of the court. I never even received any documentation saying they were legally representing XXXX XXXX XXXX, never received any contract or validation of debt or full records, and this judgment is to be sent to their XXXX office, not XXXX XXXX XXXX.
03/02/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • XXXXX
Web Older American
On XX/XX/XXXX, I wrote to XXXX XXXX XXXX XXXX XXXX ) asking them to settle for {$2400.00}, a portion of the {$9700.00} debt as I had lost my employment, could not secure employment, and could no longer make payments. I also asked them to freeze my account so we could talk about the settlement. Prior to this, I had asked for lower interest rates and they refused, saying I wasn't on their list. Just recently, I was informed that I wasn't on their list because I was a customer in good standing. I finally heard back from XXXX in XX/XX/XXXX regarding discussing a settlement. I called them at the number on the letter and we both agreed to a settlement amount of {$2400.00} and they went into the script regarding the settlement agreement. When they finished, I told them that I would need that in writing and I would pay. The representative told me she could not put that in writing. I did not know what to do as I read that I should make sure it is in writing ; otherwise they can just say it was a payment. If found this to be deceptive and did not pay them. Couch Lambert is trying to get a judgment against me in court for {$11000.00} on behalf of XXXX. I called them multiple times and asked them who they are exactly and they said they are the lawyers for XXXX. I told them about the previous settlement and they said they would settle for over {$8000.00}. I told them that is not doable. They replied that they just want a judgment against me. I never received anything from XXXX saying they had turned over my account to any collection agency. so on XX/XX/XXXX, I called XXXX directly and spoke to XXXX XXXX I had to ask her name and she did not help resolve my problem. She transferred me to someone else who also got off the phone without stating her name. XXXX did not state who she was transferring me to. I had been calling about a settlement that had been negotiated previously. She mumbled something about the exact negotiated amount ( so I know it is in their records ), but did not acknowledge the problem or why she could not handle it. I was finally transferred multiple times with mumble mouths and I was ultimately forwarded to Couch Lambert and spoke to XXXX who refused to negotiate or acknowledge any previous negotiation. I called XXXX again today and was told that XXXX had charged off the account for {$11000.00} on XX/XX/XXXX and that they were not handling it. He said I had to speak to XXXX XXXX and transferred me to them. I wound up speaking to XXXX XXXX who transferred me to her boss XXXX XXXX ( the same couple of people from Couch Lambert ). I asked them if they were XXXX XXXX or Couch Lambert. They said Couch Lambert. I asked them who are they representing, XXXX XXXX or XXXX. He said they are the attorneys for XXXX I feel like I am being deceived. I again mentioned the previous settlement and even offered him {$4100.00}. XXXX put me on hold and told me XXXX would not settle for less than the XXXX. I feel like I am being deceived, that they no longer represent XXXX and that I am being scammed.
11/15/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37129
Web
ON XX/XX/XXXX COUCH AND LAMBERT LAWYER THAT IS REPRESENTING XXXX XXXX TOOK XXXX XXXX TO COURT TO COLLECT {$5100.00} FOR A CREDIT CARD DEBT. XXXX XXXX QUESTIONED THE AMOUNT CONSIDERING THE CONSUMER FINANCIAL PROTECTION BUREAU PREVIOUSLY WON A LAWSUIT AGAINST XXXX BANK FOR VIOLATING THE TRUTH AND LENDING ACT AND SECTION 1026.59 ( a ) OF REGULATION Z. XXXX BANK FAILED TO RE EVALUATE AND REDUCE THE APRS FOR CERTAIN CONSUMERS CREDIT CARD ACCTS, WHICH RESULTED IN OVERCHARGES TO THE CONSUMERS. WHICH IS A VIOLATION OF 15 USC 1665. XXXX BANK FAILED TO REVIEW XXXX XXXX 'S ACCOUNT TO ASSESS WHETHER THE INTEREST RATE WAS CORRECT. XXXX XXXX IS AN AFFECTED CONSUMER OF XXXX BANK NEGLEGENT AND FRAUDULENT TACTICS. XXXX BANK SUED XXXX XXXX FOR AN INCORRECT AMOUNT. XXXX BANK FAILED TO PROVE TO XXXX XXXX THAT {$5100.00} WAS OWED.COUCH AND LAMBERT PRESENTED TWO STATEMENTS IN COURT ONE STATEMENT WAS FROM XXXX AND IT STATED THAT XXXX XXXX OWED {$190.00} WITH A CREDIT LIMIT OF {$2000.00} AND THE OTHER STATEMENT THAT WAS PRESENTED WAS IN XX/XX/XXXX WITH A BALANCE OF {$4400.00} WITH A CREDIT LIMIT OF {$4.00}, OOO. STATEMENTS THAT XXXX BANK PRESENTED IN COURT DIDNT EVEN HAVE THE CORRECT AMOUNT THEY WAS TRYING TO COLLECT. XXXX XXXX IN XXXX TENNESSEE DIDNT EVEN LOOK AT THE STATEMENTS, BUT GRANTED XXXX BANK THE JUDGEMENT. XXXX XXXX QUESTIONED THE INTEREST THAT WAS CHARGED AND THE AMOUNT. THE LAWYER FROM COUCH AND LAMBERT COULD NOT EVEN CALCULATE THE CHARGES. XXXX XXXX LET THE LAWYER GET AWAY WITH NOT CALCULATING THE CORRECT AMOUNT BUT INSTEAD WAS BIAS AGAINST XXXX XXXX AND INSTRUCTED ME TO PAY MONEY THAT IS NOT OWED... ACCORDING TO CFPB XXXX BANK IS SUPPOSE TO PAY RESTITUTION TO APPROXIMATELY XXXX XXXX AFFECTED CONSUMERS ACCTS. AND THE REDRESS PLAN IS THAT XXXX BANK MUST MAIL A BANK CHECK OR ISSUE CREDIT TO EACH AFFECTED CONSUMER, AND ACCTS THAT WAS CHARGED OFF. XXXX BANK WAS SUPPOSE TO APPLY THE REDRESS AMOUNT, INSTEAD XXXX BANK HIRED COUCH AND LAMBERT TO HARRASS XXXX XXXX BY TAKING ME BACK AND FORTH TO COURT AND NOT PROVING XXXX XXXX OWE XXXX BANK {$5100.00}. THE STATEMENTS THAT COUCH AND LAMBERT MAILED OUT TO XXXX XXXX SHOWED HOW XXXX BANK CHARGED INCORRECT INTEREST AND FEES EVEN BEFORE THE TIME THE PROMOTIONAL NO INTEREST SAME AS CASH PEROIOD HAD EVEN ENDED.I UPLOADED THREE STATEMENTS, THE FIRST TWO IS THE STATEMENTS COUCH AND LAMBERT PROVIDED IN COURT. AND THE THIRD STATEMENT IS ONE OF THE STATEMENTS THAT WAS MAILED TO XXXX XXXX WHICH I CIRCLED SHOWING HOW XXXX BANK STARTED CHARGING ME INTEREST EVEN BEFORE THE PROMOTIONAL PERIOD HAD ENDED. I ALSO HAVE OTHER STATEMENTS THAT INCLUDE PREVIOUS YEARS WHERE THE INTEREST AND FEES THAT I WASNT AWARE OF THAT I WAS BEING CHARGED. XXXX BANK AND COUCH AND LAMBERT HAS VIOLATED THE FDCPA IN NUMEROUS WAYS WITH FALSE AND MISLEADING DOCUMENTS, HARRASSMENT AND OPPRESSION. XXXX BANK IS AWARE THEY VIOLATED TILA AND THE CREDIT CARD ACT BUT IS COMMITTING FRAUD AGAINST CONSUMERS BY TAKING CONSUMERS BACK AND FORTH TO COURT TRYING TO COLLECT INCORRECT AMOUNTS OF MONEY.
05/08/2023 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AR
  • 72764
Web
This account was from XXXX XXXX which was discharged in a class action lawsuit against XXXX XXXX in XXXX. When the original debt was initiated I contacted their Arkansas law firm an worked out a deal to ay off the amount at {$5100.00}. I contact that firm, they asked for an explanation and if I objected to a plan. That's what we agreed too. When XXXX of XXXX came I contacted the firm again and let them know, per their advice, I reached out to XXXX with a settlement request that I emailed, per the firms instructions, in an attempt to pay this debt off. The firm never responded to any communication from me. We were later notified that this debt was not to be collected on, reported to the credit bureau, or any negative items placed in public records because of the class action suit. The Arkansas firm, I contacted once more, to see if there was an agreed upon amount. Once again I received NO response from the Arkansas firm. Then in XXXX of XXXX I get notification from the firm in LA that there is a garnishment order against me. I called the debt collection office and asked to settle the debt, they asked me how much, I told them the original agreement was for {$5100.00} with the Arkansas firm that I'd not heard back from and since this was their partner in AR I'd like to just go ahead and pay off the original {$5100.00} debt and be done with it. I also asked for verification, from XXXX XXXX of this debt to be sent to me, on XXXX XXXX LETTER HEAD so I could see the breakdown of the debt and what they were wanting me to pay. 3 times I requested that from the law firm/collection agency and all three times the only thing I received from them was a " Summation of Charges '' they sent me on their own letter head. I made the offer to pay at {$5100.00} and they refused stating that they had a judgement against me and that they wanted the entire {$8800.00}. I asked why we couldn't pay the agreed upon amount of {$5100.00} and I was told because the attorney wants all the money. I even asked for a payment record of what payments I had made on the account, several times, and not ONE TIME was I even sent any type of verification or record of payment on the account by the firm. When I called today to pay off the debt, they told me that they took credit cards and debit cards, I offered a debit card the man said he couldn't take it? I asked how they'd like for me to pay this he made me do a check by phone. I asked for a receipt of payment today to so the debt was paid off, they refused and told me that I would get a letter stating it had been settled in 25-30 days. That was the end of the conversation so I paid the amount off and hung up on them.
09/27/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TN
  • 37129
Web
COUCH, CONVILLE & BLITT LLC ( Couch and Lambert ) allegedly representing XXXX XXXX has continuously been harassing and oppressing me by bringing me back and forth to court trying to sue me on an alleged debt. The first time I was brought to court was XX/XX/XXXX XXXXThe Judge ended up dismissing it without prejudice because during the hearing I told the Judge that I sent a debt validation letter and no one ever responded. I also sent a cease and desist. so the Judge dismissed it but he also warned me they can bring me back within a year. Fast forward XX/XX/2022 I was served with a subpoena to appear at court on XX/XX/2022 I went to court and no one was there. I went to the clerk and she stated that the Judge do not have court on that particular day, so she gave me another court date and suggested I mention the incident to the Judge when I come back. I went back to court in XX/XX/2022 I was taken into a conference room to negotiate payment with Im assuming an attorney, I told him that I sent a debt validation letter and never got a response. we then went in front of the Judge. I explain to him what happened and that I had been here before and it was dismissed because of the exact same thing, not responding. The lawyer asked the Judge for more time the Judge granted him more time to send me the debt validation request. a couple of weeks later I was sent false and misleading statements. I sent another certified letter to the law firm and told them the statements were false and misleading along with a cease and desist. fast forward to XX/XX/2022 went back to court, went into a conference room with some one allegedly representing the law firm, she claimed that we could not see the Judge because her witness could not come due to covid and she wanted to reset it.. I told her that I can not keep missing work and that this is affecting my job and my mental health. she insisted that I could not speak to the Judge and she perceded to give me another court date. she told me two different dates and I ended up recording the wrong date. I showed up XX/XX/2022 just to find out it was actually XX/XX/2022 and I had a default judgement against me because I didnt show up. I had to file a motion and pay a fee to get another court date. My court date was set to XX/XX/2022. I showed up and the attorney said that he is not ready for a hearing because his witness could not come. He asked the Judge to reset it to XX/XX/2022. Couch and Lambert has oppressed me trying to collect an alleged debt by dragging me in and out of court, Couch and Lambert is in violation of the The Fair Debt Collection Practice Act
08/13/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76052
Web
1. On XX/XX/XXXX, I, XXXX XXXX entered into a settlement agreement XXXX XXXX XXXX XXXX XXXX in regards to Cause No. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX In the 9th Judicial District Court of XXXX XXXX XXXX TX XXXX 2. XXXX XXXX XXXX claims to represent XXXX XXXX in Cause No. XXXX on an alleged debt of {$30000.00}. A full settlement amount for {$16.00}, XXXX was reached with a payment schedule of 16 months. 3. On or about XX/XX/XXXX I received a letter from XXXX XXXX, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$450.00} in reference to File Number : XXXX. 4. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Collection Manger ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 5. On XX/XX/XXXX, I sent a follow up email to XXXX XXXX XXXX, Collection Manger ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 6. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Attorney ( XXXX ) and XXXX XXXX, Director of Operations ( XXXX ) also requesting accounting of all payments made to File Number XXXX. 7. On or about XX/XX/XXXX I received a letter from Couch Lambert, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$15000.00}. in reference to XXXX XXXX : XXXX ( See Attached Exhibit C ) 8. At no time have I ever received a response to any of my requests for the accounting of all payments made to file number XXXX. 9. On XX/XX/XXXX, I sent a request for validation to Couch Lambert, LLC who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. On XX/XX/XXXX, I sent a request for validation to Couch Lambert, LLC who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. As of XX/XX/XXXX, I have not received any response from Couch Lambert, LLC or XXXX XXXXXXXX XXXX to any of my attempts to communicate.
05/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 77450
Web Older American
I signed up for an XXXX XXXX card for the Company, The XXXX XXXX, XXXX and was told at that time that I would not be personally responsible for this account and that it was a company account. The card was used only for company expenses and purchases. I was personally sued for the amount of {$19000.00}. While dealing with XXXX and covid I was not able to get anything done about this. I was made an offer but could not afford to handle this at that time. XXXX got a judgement for the amount stated. I was never contacted again. On XXXX XXXX a garnishment was placed on my Husband and my bank account for {$39000.00}. I understand that I am probably responsible for the {$19000.00}, but to take and extra {$20000.00} from my account is a strain on me and my family and should be returned. This is way out of line for Attorney fees for a unsecured credit card case. These funds were put here for medical services and payments. At this point we have no where to turn. We have had no correspondence with this company and have tried to reach them for the past week. Calling and being on hold for hours at a time. I have tried to call them every day this week to no avail. We have not received any notices or any correspondence from them, and have left numerous messages on the voice mail. The law firm that we called gave me another number to call and told me that the firm has merged with them and to call them, again no one will answer and I could only leave a message in which I have left quite a few. This is really causing me a hardship.
09/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 76131
Web Servicemember
I didn't receive information about the attempt to collect the debt and wasn't afforded the chance to settle the debt, and was blindly sued by ; Plaintiff ( s ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Attorney XXXX XXXX XXXX Couch Lambert LLC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Case number XXXX Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/2022, I was served with the citation and called Couch Lambert LLC at XXXXXXXX XXXX. I spoke with XXXX XXXX and was told they sent a demand letter by mail. I responded that all of my information remained the same and that the mail must not have reached me and was maybe lost, but I did not receive it. I also mentioned that a lawsuit without first calling me to settle the debt is a bad business practice and has brought me more stress, especially since I am an unemployable 100 % XXXX veteran and that my only source of income is VA benefits and a Department of Defense annuity. She further requested that I send my bank statements to their attorneys for review. This is a bad business practice, and not only that, I am being put through unnecessary pain and suffering the fact that I have a medical condition such as XXXX XXXXXXXX that is being triggered by their lack of due diligence. All XXXX had to reach out instead of the unnecessary lawsuit without exhausting all means to settle the debt.
01/31/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 706XX
Web
FAILED TO VEFIFY DEBT WHEN REQUESTED In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A States I have the right to privacy 15 USC 1692g Section 809 If the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section 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 a 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. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.
09/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 440XX
Web
I have an outstanding judgement for a credit card debt from XXXX XXXX XXXX. I have been trying to resolve this since I was notified by mail that I was being sued for a judgement. The debt collector is Couch|Lambert. I have repeatedly called and e-mailed. No one ever answers the phone ( I stayed on for 6 hours one time ) or responds to e-mail. I would like to discharge this debt, but am concerned about the inability to communicate with anyone and do not want to pay on-line without assurances of resolution. It feels like the company doesnt actually exist. I contacted the court and XXXX. The court just has Couch|Lambert and XXXX no longer has the debt on their books. This started in XXXX XXXX XXXX I have been trying to contact Couch|Lambert at least monthly since then. I have not received any communication back to repeated e-mails and voice mails. Please advise on the best way to resolve this issue. Thanks, XXXX XXXX
12/27/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • LA
  • 70726
Web
I previously paid a collection account that was originally a stolen account. XXXX XXXX found the stolen transactions and removed {$27000.00} worth of unauthorized charges from the collection account. There were still about XXXX worth of charges remaining and I agreed to pay the remaining balance in full to finally end a three year issue. Counch & Lambert , LLC is responsible for the account and agreed to send me a " PAID IN FULL '' letter once the account was paid ( the representative told me on their recorded line ). I have not received a paid in full letter yet and would like to have it ASAP. Do not reply back to this complaint with a copy/paste of my last complaints. Simply reply with the paid in full letter as PROMISED on a recorded line for records of this invalid collection account your company attempted to collect.
11/11/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • KS
  • 67205
Web Servicemember
I live in XXXX, KS. I opened an account in XXXX, KS prior to COVID and a job loss. I settled a debt around XX/XX/2021. The payment was made in full. A relative gave me notice that I have been sued in XXXX XXXX Texas. I do not live in XXXX XXXX Texas nor have I ever lived in XXXX XXXX Texas. This relative forwarded the notice to me in XXXX XXXX days prior to the date I was supposed to appear in court. I called the court and told them I live in a different state. The court date has been moved to XXXX. Why am I being sued in a state that I don't live? Because I have the same last name as someone in Texas? Wrong person, wrong identity, wrong location.
10/30/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 74014
Web
Debt validation via USPS, and was never received. Asked for proof that they have a legal right to collect on this debt and validation.
12/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KS
  • 66062
Web
10/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KS
  • 66062
Web
07/05/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MS
  • 38635
Phone Older American
04/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • AR
  • 72512
Web
03/21/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63119
Web
03/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OK
  • 74429
Web
02/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KS
  • 66062
Web
02/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37076
Web
01/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KS
  • 66062
Web
11/15/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 74429
Web
03/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MS
  • 38635
Phone Older American
02/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 71105
Web
12/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70835
Web
12/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • LA
  • 70726
Web
11/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70726
Web
10/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • 70835
Web
06/24/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23607
Web
05/01/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76051
Web
04/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70764
Web
04/20/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70764
Web
03/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MS
  • 39157
Phone Older American