Dunlap Gardiner LLP CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via
04/05/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 314XX	Web
I have new and updated information regarding Complaint Number XXXX. Dunlap Gardiner LLP continues to violate my rights as a consumer with the use of false and deceptive information in its illegitimate attempt to collect this alleged debt by falsely stating The homeowner is bound by the Declaration. First, its misleading as to whom Dunlap Gardiner LLP is referring to as The homeowner. Second, to be bound by something means that there had to have been a contractual agreement. Its a fact that Dunlap Gardiner LLP confirmed in previous responses that there was never any sort of agreement nor was there any legal merit to this alleged agreement. It is also a fact that there was never a meeting of the minds between me and the association regarding any sort of agreement towards any formal statement, proclamation, or announcement, esp. one embodied in an instrument, legally referred to as a declaration. Furthermore, a legitimate enforceable agreement does not exist between me and the association. I the ( consumer ) can not be constrained to any agreement that I had no knowledge of, wasnt a party to, nor agreed to. Its also a fact that this alleged agreement that Dunlap Gardiner LLP referred to in its response to Complaint Number XXXX is not legal and therefore not legally enforceable. The Fair Debt Collection Practices Act was passed to protect consumers, such as myself from false, deceptive, misleading, and unfair debt collection practices acts such as this. In closing, Dunlap Gardiner LLP, advises to contact its office to receive a copy of the recorded declaration of covenants. This is my formal request for Dunlap Gardiner LLP to provide this documentation for review to myself and the Bureau. Being that a declaration is a a formal statement, proclamation, or announcement, esp. one embodied in an instrument, and a covenant is a a formal agreement or promise, usually in a contract. Upon receipt, Im expecting to see the original date this agreement was made, between what parties this agreement was made, what makes this agreement legal, all elements present that makes an agreement ( contract ) valid and legal, who benefits from this agreement, the original signatures of all parties in agreement to this XXXX of XXXX, who created this agreement, the legal documentation to prove that the association is the legal owner of the instrument created by this agreement, what legally binds anyone to this agreement, what legally binds me to this agreement, proof of the contractual agreement that allegedly bound me the ( consumer ) to this declaration, the date, time, and the person to whom allegedly disclosed this information regarding this agreement, and any and all documentary evidence that you XXXX have pursuant to XXXX XXXX XXXX XXXX to include all documents, papers, and corporate records to prove your claim of homeowners, or owners unknowingly agreeing to this misleading, yet predatory contract with the association upon the purchase of a home when the association was not a party to the homebuying process.
11/17/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30039	Web
I am writing to file a complaint regarding a frustrating experience I have had with a debt collector and subsequent collection agency. I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDPCA ). Allow me to provide you with the details of the situation. On XX/XX/, I received a summons from XXXX XXXX XXXX XXXX XXXX XXXX c/o Dunlap Gardiner LLP , claiming that I owed a certain amount of {$4000.00}. In response, I promptly answered with an affidavit to validate the validity and accuracy of the alleged debt. To my surprise, Dunlap Gardiner then responded dated XXXX XXXX XXXX with statements containing different amounts owed- {$4600.00}, which was contradictory and inconsistent with their initial claim. This inconsistency raised concerns about their adherence to accurate record keeping and transparency. In an attempt to clarify the conflicting information and dispute the alleged debt, I sent a formal dispute via certified mail with return receipt, requesting an explanation and validation of the debt. I believe I was exercising my rights under the FDCPA by seeking to verify the debt claim and ensure that I am not falsely held accountable for an incorrect or fraudulent debt. However, dated XXXX XXXX XXXX, I received a collection letter from a separate collection agency XXXX XXXX. This letter claimed that I owed the same alleged debt, but in the amount of {$8800.00}. This occurrence further adds to my distress and suggests that XXXX XXXX XXXX XXXX may not have provided accurate information to the subsequent agency, or they added extra fees. Furthermore, on XXXX XXXX XXXX I went to my court trail and Dunlap Gardiner the attorney asked the court for a motion of continuous because it was brought to his attention that XXXX XXXX was attempting to collect for the same alleged debt. I am currently waiting for our next hearing ; however XXXX XXXX 30-day time frame is up on disputed debt. I am deeply concerned about the potential violations of my consumer rights, as both parties failed to provide consistent, accurate, and transparent information. These actions only serve to confuse and mislead me, causing unnecessary stress and concern. I kindly request that the CFPB investigate this matter thoroughly to ensure that these debt collection practices comply with the FDCPA and other relevant consumer protection laws. Additionally, I would appreciate appropriate action being taken against all parties involved, for their misleading, inconsistent, and potentially deceptive conduct. Thank you for your attention to this matter. I hope that this complaint leads to a fair resolution, upholding the principles of consumer protection.
11/13/2019	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30047	Web
On XX/XX/XXXX I was served with summons for case number XXXX Filed by Dunlap Gardiner LLP Dunlap Gardiner LLP Presented them selve 's to be the Collectors for XXXX XXXX XXXX XXXX this means the FDCPA Rules Applied to them under 15 USC 1692a ( 6 ) Dunlap Gardiner LLP is in violation of State Law and the FDCPA Rules XXXX XXXX & XXXX XXXX of Dunlap Gardiner LLP under Oath stated that the information in their Statment of Claim and Exibit A which was incorporated and made a part of their Statement Of Claim was Just and True in Violation of O.C.G.A. 16-10-70 ( 2010 ) 16-10-70. Perjury on Exhibit A ( 8 ) they told the court that they mailed a Collection Letter via first class and that the Defendant failed to Object ( Dispute ) to the Validity and amount fixed they also included a copy of said letter dated XX/XX/XXXX but it was actually posted XX/XX/XXXX account was disputed right away with a Dispute Letter Dated XX/XX/XXXX a copy of said letter is attached to this complaint and incorporated by reference and made part of this complaint In their own statement they prove they failed to validate this Disputed account in violation of the Fair Debt Collection Practices Act, 809 : Validation of Debts. FEDERAL court has ruled against Debt Collectors filling a lawsuit on Disputed Accounts UNITED STATES OF AMERICA VS ASSET ACCEPTANCE LLC 3. Case # 8:12-cv-00182-T-27EAJ COURT ORDER 01-31-2012 01Case # 8:12-cv-00182-T-27EAJ Ill. Asset acceptance was Order to pay pursuant to Section 621 ( a ) of the FCRA, 15 U.S.C. 1681s ( a ), and Section 5 ( m ) ( 1 ) ( A ) of the FTC Act, 15 U.S.C. 45 ( m ) ( 1 ) ( A ), the amount of XXXX XXXX XXXX XXXX XXXX dollars ( {>= $1,000,000} ). for violation of the FCRA and the FDCPA XXXX XXXX & XXXX XXXX of Dunlap Gardiner LLP have brought a Lawsuit against me by Lying to the court in their statement of claim this is a violation of O.C.G.A. 16-10-70 ( 2010 ) 16-10-70. Perjury they presented misleading statements showing a letter with a date of XX/XX/XXXX when in fact this letter was stamped by The United States Post Office on XX/XX/XXXX in an attempt to make the court believe the 30 days required to dispute a debt had already passed copy of stamped Envelope is attached to this complaint and incorporated by reference and made part of this complaint This is a Violation of the Fair Debt Collection Practices Act, 15 U.S. Code1692e. ( 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.
07/12/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web
This issue is just not sitting well with me due to the attorney 's collection tactics.My spouse and I have divorced. However, former spouse obtained marital property to include paying mortgage, taxes, insurance, and home owners association fees. Earlier this year, out of the blue I received a judgement of garnishment in the amount of XXXX that was filed XX/XX/XXXX via the county court. Of course, when I received I became worried and did not want a garnishment to go to my employer. I was advised that the home was being refinanced. I immediately got the funds together and took the funds to the attorney 's office handling the collection. Mind you, I have never received any notification that the home owners association was past due. I had not lived at the marital address in four years. However, I can receive a judgement that my wages were being garnished. Next, on XX/XX/XXXX I received another court judgement that my wages were being garnished which was filed in the county court on XXXX XXXX.Again, I had never received any notice of this debt being passed due even after the XX/XX/XXXX judgement. I requested validation and the lawyer sent me a ledger from a business called XXXX which is not the HOA organization. I went to court to argue that I never received any thing in writing and the ledger to did not look legitimate. I spoke with XXXX who represented the attorney 's office prior to meeting with the judge. I explained to her my concern and frustration of the above that your company can send me a notice to garnish my wages but can not send me any statements of the charges past due. XXXX advised that the mailings were going to the marital property since XXXX but still could not explain why I can receive a judgement to garnish my wages at the address I have been living at for the past 3 years and that I never got the chance to address the issue or try to pay the debt. XXXX suggested that I contact the office to make some arrangements to pay the debt. I called the office after leaving the courthouse and called the office. Spoke with XXXX who advised that she would send my proposal to the HOA and call me back on XX/XX/XXXX. However, she never called me back. I am appalled of this type of collection tactics of using wage garnishment for consumers who have not received and documentation or made aware of past due collections without given the consumer an opportunity to try and make restitution with the property owners association.
09/22/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30238	Web
Association Fees : XXXX XX/XX/XXXX, I received and responded to the first Overdue Account letter. I sent two letters requesting documentation of the increase in Association fees and did not receive a response until XX/XX/XXXX, signed by XXXX XXXX, Board of Director. The document showed the increased assessment from {$150.00} to {$170.00} would take effect starting XX/XX/XXXX, and a monthly interest rate of 10 % on the balance and a late fee of {$25.00}. I do not recall a Homeowners meeting regarding the reasoning for this increase. I requested my account to be adjusted based on this document as I was already disputing the validity of the charges and received no assistance or response, and the fees continued accruing. Atop this, on XXXX XXXX, a lien was filed against my home, which I wasnt aware of until XX/XX/XXXX. Garage Door : XXXX XX/XX/XXXX, I received a letter requesting the dent in the garage door be repaired. If the violation/repair did not occur in 10 days from the letters date, XXXX XX/XX/XXXX, the Association has the right to enter my Lot to correct it, or to assess a weekly {$100.00} fine. It states each week a violation continues constitutes a separate violation for which the fine will be imposed. I immediately contacted the management disputing this alleged violation and was informed it was up to the board to provide an extension. An email was sent along with a letter informing the garage door would take 2-10 weeks to be repaired because it was being discontinued, according to the contractor with XXXX XXXX. 9 days from the date of the letter, according to the account records, I was fined. This continued well after replacement and after the board and management company were notified. After meeting requests went unanswered, I started receiving letters from Dunlap Gardiner, LLP. With each letter that I received, I responded with certified mail. This would prove to be of no help to my attempts to discuss and rectify this issue. In between these events, I received letters regarding my lawn right after days of rain, and my garbage receptacles being visible the day before scheduled trash pick-up, just to name a couple. I have requested information that wasnt received in the time allotted by state law. Ive reported an assistant-living business being operated in one of the homes and nothing has come of it. Is it acceptable to disregard the violations of one and continue to pursue another?
04/04/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 314XX	Web
I have new and updated information regarding complaint number XXXX. Dunlap Gardiner LLP continues to use false and misleading information in its illegitimate attempt to collect this alleged debt by falsely stating The owner is bound by the Declaration of Covenants for the community because he purchased a home in the neighborhood. This is a baseless claim made without any legal merit to back up such a claim. Its also misleading as to whom is being referred to as the owner and who is being referred to as he. XXXX. The legal definition of bound is to be constrained by a contractual agreement, other obligation, or constrained to follow a precedent. -Its been previously proven in the prior complaint numbers : XXXX, XXXX, XXXX that the elements of a valid and legal legitimate enforceability agreement between the association and myself is non-existent as it does not exist. 2. The legal definition of declaration is a formal statement, proclamation, or announcement, esp. one embodied in an instrument. -Its been previously noted that Dunlap Gardiner LLP and its client the association was not present during the transaction of the home. At no time during this transaction was I disclosed with any statement, proclamation, or announcement regarding the existence of an association or an agreement to join one. -Being that there were no legal agreements between myself and the association, there is no written legal documentation that defines the rights, duties, entitlements, or liabilities such as a contract legally defined as an instrument. If one existed, Dunlap Gardiner LLP and its client would have provided it already when requested. 3. The legal definition of covenant is a formal agreement or promise, usually in a contract. Lastly : Dunlap Gardiner LLP states that There is no legal requirement that he sign anything in order to be bound by the Declaration. This statement further proves that there is and never was a valid and legal agreement between myself and the association. The association preyed on me not knowing my rights as a consumer and took advantage with their illegal, misleading, and predatory collection attempts.
02/24/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 314XX	Web
I have new and updated information regarding complaint XXXX XXXX. It is misleading for Dunlap Gardiner LLP to state that I am a debtor when there are no obligations on my behalf as Ive never initiated business with this company, or any of its clients. Its also misleading to state that Im subjected to the Declarations of Covenants without providing proof of signature that I allegedly accepted and agreed to the conditions thereof. Its also misleading for Dunlap Gardiner LLP to state that theyd be willing to discuss the concerns of this issue but have failed to address the concerns of both complaints : XXXX and XXXX. They stated that theyve sent a ledger, but its incomplete as it does not begin with the origination of this alleged account, when it was created, who created it, the instrument which created it, all entries from its existence, and the signed Legitimate Enforceability Agreement to confirm that there was a meeting of the minds and an agreement between myself and them. Dunlap Gardiner LLP did not provide this documentation because it does not exist. Lastly, the FDCPA protects consumers such as myself from companies using false and misleading tactics to attempt to collect a debt. its misleading for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to attempt to collect on an alleged debt by using another name by terms such as XXXX XXXX XXXX claiming to be a third-party collection agency to collect this alleged debt on their behalf when in fact, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect on its own debt. As seen in the attached exhibits, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are the same company as theyre both registered with the Secretary of the State of Georgia using the same address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX FL XXXX XXXX, USA .
03/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 314XX	Web
I have new and updated information regarding complaint number XXXX. A contract can only be valid and legal if theres a legitimate enforceability agreement between two parties. There are several aspects that make up such an agreement : there must be an agreement between both parties formed by an offer and an acceptance, the consideration, which is a promise that is supported by something of value, and the contract must have legal purpose. Without these four critical aspects, the contract can not be legal. XXXX XXXX does not have firsthand knowledge of the specific details of the purchase of my home. This company, its associates, and client XXXX XXXX Homeowners of XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX referred to the XXXX was not present during the closing of the home and can not speak to the facts of that situation. According to XXXX XXXX, upon purchase of a property in the community, the purchaser automatically becomes a member of the homeowners association by default without any legitimate agreement between the consumer and the XXXX and is subject to the terms and conditions found within the declarations. XXXX XXXX has provided a clear example of why congress felt the need to write the FDCPA, to protect consumers from abusive, deceptive, and unfair debt collection practices as displayed by XXXX XXXX, and the XXXX as well as protect the consumers right to privacy. The fact that XXXX XXXX and the XXXX has ignored my numerous requests to see the legitimate enforceability agreement, or the documentation that gives them the legal right to attempt to collect anything from me proves that theyve infringed upon my federally protected consumer rights and that this alleged debt is not legal and have been predatory from the very first time theyve demanded payment from me.
07/08/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30311	Web
This harassment started in XXXX, over a car that was repossessed in XXXX. I went to court, and on XXXX the case was closed, case status Disposed. On XXXX, XXXX XXXX filed another claim against me for the same case, XXXX. I was never served in reference to this wage garnishment. I noticed that my wages were being garnished. I filed a defendant 's claim against XXXX XXXX, and Dunlap Gardiner, LLP ; went to court on XX/XX/XXXX at the XXXX XXXX XXXX. The Plaintiff 's garnishment was disposed and I was granted the money that was being garnished from my pay check. Then my employer notified me that XXXX XXXX had filed a new claim against me for continuation of wage garnishment. I filed another defandants claim again and wen to court on XX/XX/XXXX and my defendant 's claim was denied until I fight the underlying judgement, in which, I received no documentation in reference to the claim filed. I am really tired of going through this with them harassing me and garnishing my wages for a claim from XXXX, that was disposed, and my money was refunded to me. This is something that is not legit, and is causing a hardship with my living expenses and employment opportunities.The vehicle they are claiming I owe money for was repossessed in XXXX, and I never heard anything from this finance company. I stay at the same address for XXXX years and was never served any papers. I did not receive any notices from them after the case was disposed in XXXX until XX/XX/XXXX. I would like for them to stop harassing me and causing hardship in my life for a repossessed car from XXXX, that case was disposed, and I was refunded my money back that they had garnished at the time. I would like them to stop the garnishment and give me back all the money they have garnished from me at this point.
05/16/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 314XX	Web
I have new and updated information regarding complaint number XXXX. Dunlap Gardiner LLP uses false and misleading information in its attempt to collect this alleged debt by use of an unlawful, yet unenforceable contractual agreement. Dunlap Gardiner LLP misuses the covenants defined terminology owner as an attempt to deceive the reader. The term owner as defined within the attached covenants identified the following entities : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX as the only owners that are bound by this agreement in which was made. Dunlap Gardiner LLP deceptively identified me as an owner to falsely claim that I am bound by the referenced declaration in which I was not a party to nor agreed to. This latest response in its entirety, Dunlap Gardiner LLP and its client admitted to committing fraud with statements such as : The owner is bound by the Declaration, regardless of whether he signed any documents at the time of purchase of the lot and the purchaser is charged with legal notice of the covenant, even if it is not stated in his own deed. Dunlap Gardiner LLP and its client willingly admitted to Fraud in the Inducement in which occurs when a person tricks another person into an agreement to ones own disadvantage by using fraudulent statements, and representations. Because fraud negates the meeting of the minds a requirement for any contractual agreement, and any contractual agreement made by fraud, is immediately voidable. The injured party can seek damages or terminate the predatory contract. Dunlap Gardiner LLP and its clients harassing attempts to enforce the terms of an unlawful and unenforceable contract by coercing payment and making threats to take personal property if one does not receive said payments is in fact extortion.
04/29/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 314XX	Web
I have new and updated information regarding complaint number XXXX : The attachment which Dunlap Gardiner LLP provided with their response is proof that there was never any sort of contractual agreement or meeting of the minds between I the consumer and its clients the The debt collectors. In fact, as seen in Dunlap Gardiner LLPs attachment the agreement was made between The Declarant listed as XXXX XXXX, XXXX and the Initial members who is also listed as Track Owners within the signature page : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. This agreement was made and agreed upon on XX/XX/2008. It is also a fact that nowhere within Dunlap Gardiner LLPs attached document proves that I The consumer was a party to such agreements. No one with a reasonable mind would believe it to be a fact that I The consumer can make a contractual agreement in which I was not a party to. It is also a fact that Dunlap Gardiner LLP was not a party to this agreement as it was not present nor have firsthand knowledge to the agreement made on XX/XX/2008. Furthermore, Dunlap Gardiner LLP and its employees can not speak to the facts of this agreement as it was not a witness to nor heard the terms and conditions with their own two ears. It is a fact that Dunlap Gardiner LLP and its clients are Debt Collectors and has violated my rights as a consumer by harassing, threatening, and causing me mental anguish for over a year with their abusive attempts to collect on this alleged debt when they have no legal right to attempt to collect on. Lastly, it is a fact that the alleged agreement in which Dunlap Gardiner LLP falsely claimed to be true is in fact unlawful and unenforceable.
03/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 314XX	Web
I have new and updated information regarding complaint number XXXX. Dunlap Gardiner LLP continues to use false, deceptive, and misleading information in its illegitimate attempt to collect this alleged debt. Its unclear to whom Dunlap Gardiner LLP is referring to when it references The owner. However, it is deceptive to state that membership to the association is by default upon purchase of a home in XXXX XXXX XXXX without providing legal proof in the form of a legitimate enforceability agreement between myself and the association to back up such a claim. Dunlap Gardiner LLP and its client, the association is not qualified to speak to the facts regarding the purchase of the home as it does not have firsthand knowledge to this consumer credit transaction as neither of the above mentioned was present at the time of this consumer credit transaction. Im the only one that can speak to the facts of that consumer credit transaction as I was the only one involved with this situation present at the time of the consumer credit transaction. Nowhere in the Hud-1 statement, or other closing documentations signed referenced anything about an agreement to join this fictitious association. Dunlap Gardiner LLP and its client, the association continues to infringe upon my federally protected rights as a consumer by its constant harassment, use of intimidation, use of false, deceptive, and misleading attempts to force me into paying this alleged debt in which Dunlap Gardiner LLP and its client, the association does not have any legal right to attempt to collect.
05/04/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 314XX	Web
I have new and updated information regarding Complaint Number XXXX. Dunlap Gardiner LLP, a third-party debt collection agency continues to use false, deceptive, and misleading representations while constantly harassing me, The Consumer in its attempt to extort payment regarding an alleged agreement that I was not a party to and is in fact unlawful and unenforceable. Dunlap Gardiner LLP has not provided any factual proof of an agreement between I The consumer and the association. In fact, Dunlap Gardiner LLPs attachment, XXXX XXXX XXXX Covenants proves that the association didnt exist at the time of the creation of the Declaration of Covenants. Dunlap Gardiner LLP uses deception when stating This owner 's property is subject to the Declaration of Covenants. to give a false implication of the owners true identity. When in fact, the document which Dunlap Gardiner LLP provided clearly identifies the owners who are bound by this agreement as the following entities : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Nowhere in the document is there any reference to any agreements amongst any consumer and entity. Lastly, the attachment provided by Dunlap Gardiner LLP as well as its previous statement there is no legal requirement that he signed anything is proof of its use of deception to unlawfully attempt to enforce an unlawful and unenforceable agreement by the constant attempt to extort payment from me.
06/14/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 314XX	Web
I have new and updated information regarding complaint number XXXX. Dunlap Gardiner provided false and misleading information alleging that complaints to the bureau are of the same manner. However, the complaints submitted detailed the facts of how Dunlap Gardiner has and continues to attempt to violate my rights as a consumer with its extortionate attempts to collect an alleged debt not owed. Dunlap Gardiner has also failed to provide the original instrument of indebtedness evidencing my wet ink signature or proof that this instrument exists upon numerous requests per previous complaints through the Bureau. Instead, Dunlap Gardiner abuses its authority as a debt collector by harassing me to coerce payment by making false statements, using false, misleading, and deceptive documents alleging that an agreement was made without providing proof of their alleged claims. A debt collector does not have the right to state that a consumer owes anything. In closing, law isnt about someones belief, opinion, or feeling, law is about what can be proven, and each complaint submitted is detailed proof of how my rights as a consumer was and continues to be violated by this debt collector. The purpose of the FDCPA is to eliminate such abusive, deceptive, and unfair debt collection practices in order to protect consumers from such abusive and predatory acts as displayed by Dunlap Gardiner and its client.
12/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 314XX	Web
XXXX XXXX XXXX of Dunlap Gardiner LLP violated my consumer right to privacy by contacting me via the US Mail Postal service without my consent in an illegitimate attempt to collect an alleged debt, whereas a debt collector can not state that a consumer owes any debt. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX 's client, the alleged original creditor did not have authorization to communicate with any third-party debt collector in reference to the attempt to collect this alleged debt, nor did they have authority to furnish my personal information to XXXX. XXXX 's letter contained false and misleading information alleging that it verified the alleged debt. Whereas XXXX 's client failed to provide debt validation pursuant to the FDCPA as requested on XXXX and again on XX/XX/XXXX. The attempt to collect this alleged debt pursuant to the FDCPA should have ceased until the disputed amount was validated in which XXXX 's client continued to violate me by their continued efforts to collect an unvalidated debt. I've yet to receive any feedback from XXXX in regard to my response mailed to his office on XXXX The failure to produce the requested documentation is also a violation of my right as a consumer as it prevents me from exercising my right as a consumer to assess and validate this alleged debt.
06/21/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30052	Web
My Homeowners Association placed me collections for {$930.00}, for the year XXXX and XXXX. The collection agency Dunlap and Gardiner sent me a demand letter dated XX/XX/XXXX. The letter details {$33.00} interest, {$900.00} HOA Fees, and {$100.00} attorney fees. On XX/XX/XXXX, I paid the HOA {$930.00}. The money ordered was delivered to the HOA office via XXXX, and signed for. I forwarded a copy of money order and receipt to the collection agency via XXXX XXXX Mail. On XX/XX/XXXX, rep XXXX XXXX at the collection agency advised me the balance of {$1000.00} is outstanding. She advised that the account shows outstanding. I requested an updated letter reflecting that payment has gone up {$100.00} since the last letter I received on XX/XX/XXXX. The agency is refusing to send me an updated letter and referred me to go on HOA website. I stated I would give them a call and XXXX XXXX stated they may refuse to speak with me. The agency is legally obligated to provide me with a demand letter showing the amount I owe via US Postal mail and is refusing to do so. I paid the initial demand letter. If the amount has changed a new detailed demand letter needs to be issued.
01/31/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	TX 75038	Web
To Whom it May Concern ; This letter is being sent to you in response to the account ref in my the attached correspondence. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
01/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 314XX	Web
I have new and updated information regarding complaint XXXX : Dunlap Gardiner , LLP provided false and misleading information by claiming that both their office and the management office has provided documentation to validate this alleged debt. I've received harassing documents from them in a continued attempt to collect an unvalidated debt, but I have NOT received what the FDCPA states I should receive when debt validation is requested. Upon many requests, Dunlap Gardiner, LLP, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to provide proof of the existence of a LEGITIMATE ENFORCEABILITY AGREEMENT between myself and them. Being that there is no such agreement, they have no legal authority to request or demand payment from me. I have been misled, harassed, and taken advantage of by these companies joining together in deceiving me into paying these unfair and unethical annual assessments without any such legitimate agreement.
06/19/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 314XX	Web
I have new and updated information regarding complaint number XXXX. I want the record to show that Dunlap Gardiners refusal to comply with 15 U.S. Code 1692g is an infringement upon me exercising my right to assess and validate this alleged debt. Dunlap Gardiners refusal to comply is their admittance that this alleged contractual agreement, alleged instrument of indebtedness is nonexistent, and this alleged agreement is deceitful and fraudulent as the referenced Declaration of Covenants does not bare my intellectual property, neither did it involve me as a party in agreement to this alleged contract. Without these important elements, no such lawful enforceable contract exists. Lastly, I want the records to show that Dunlap Gardiners and its clients abusive and deceptive debt collection practices are willful as theyve admitted to the alleged contract being unscrupulous numerous times.
08/17/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30228	Web
I request a payment arrangement online for HOA dues to XXXX XXXX on XX/XX/2022. For which, I received a confirmation. I made a {$50.00} payment in early XX/XX/2022. Upon preparing to make an additional {$50.00} in XXXX, I received a notification from Dunlap Gardener law office of a pending action to start the lien process. XXXX has refused to acknowledge the online payment arrangement and has not been responsive to attempts from the law office of the provided arrangement confirmation.
06/16/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 314XX	Web
I have new and updated information regarding complaint number XXXX. Dunlap Gardiner refuse to provide any of the requested documentation to evidence the existence of the debt that theyre alleging. Their refusal of this information is proof that such information is nonexistent, this alleged obligation is unlawful, and their admission to guilt. Dunlap Gardiner and its clients continued attempt to collect this unlawful debt without proof is harassment and not legal.
12/05/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30058	Web
Received a " Warning of Suit '' letter via US Mail in early to XXXX for HOA Assessments, however, I disputed the information within 30 days of receiving the notice by sending a debt validation letter via US mail on XX/XX/XXXX. The company failed to validate the debt. I've sent them another request via certified mail. Despite their failure to respond to my request to validate the debt, they still have not stopped collection activity.
06/15/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30135	Web
Dunlap Gardiner LLP has violated my rights as a federally protected consumer. Dunlap Gardiner is in violation of 15 usc 1692. I have outlined their violations in the attached documentation. I am. invoking my specified remedy as a federally protected consumer I am demanding a deletion /dismissal, and monetary compensation for each violation Pursuant to 15 USC 1692k. And garnished funds returned
12/20/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30214	Web

11/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30228	Web

12/04/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30268	Web

10/04/2019	No	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30252	Web

04/12/2019	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30252	Web

09/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30253	Web

12/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	GA 30058	Web