GAMACHE & MYERS, PC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/08/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 647XX	Web
On XX/XX/XXXX, my personal identity was stolen and my social security number was used fraudulently against me. I did become aware of this matter until XX/XX/XXXX, when an address was updated on my credit report. I filed proper documentation and contacted any and all parties impacted by this misfortune. Apparently sometime in XXXX or XXXX, the defendant XXXX XXXX XXXX began sending written notifications for the alleged accumulation of such charges and debt to address which was illegally added to my credit report. I have no records to disclose of this action but said the defendant admitted on a recorded line they had been contacting said party. I begun getting letters which were forwarded to an address on file, which were dated as far back as XX/XX/XXXX. Now keep in perspective this said alleged attorney could not validate or confirm or deny the timeline from the beginning to when they began sending letters to yet a second address on file which was the updated address from the illegal actions taken on XX/XX/XXXX. Cardholder was never once contacted during the Pandemic regarding this matter as these services and actions were suspended. I was sent yet another letter regarding this matter on or around XX/XX/XXXX, alleging an outstanding debt from another collection agency, not Gamache @ Myers. I spoke with them on 2 random occasions and advised them this was an activity of Identity Theft. On XX/XX/XXXX they sent an alleged letter stating a balance was owed, but they did have legal right to collect per FCRA polices. On XXXX XX/XX/XXXX, they repeatedly sent yet another harrassing letter stating another balance different from original and claiming some sort of an agreement, I have zero knowledge of any of this activity. They were told on both occasions this was mistaken identity and I was working with an attorney in XXXX DC and I was advised to inform them of this communication activity. The attorney handling this situation legally has no rights to collect per FCRA guidelines. I was once again sent a letter regarding such said agreement, not knowledge or written contract with defendant since they have no basis on this matter. I have letters stating such alleged debt was dated XX/XX/XXXX. No such transactions took place by this party. There has been zero communication regarding such matter until I was sent a letter dated XX/XX/XXXX which I personally did not have possession of said letter until XX/XX/XXXX, and letter is a threatening letter that I am being sued. This is nothing less than unprofessionalism, illegal collection activities, FCRA violations and CFPB violations. This defendant has had legal allegations brought against them before and I am considering this as a consumer who was never rightfully contacted, in writing regarding this alleged allegation, let alone now a second claim against this consumer. I recently contacted the local authorities and they advised contacting a civil attorney. I already have a federal firm handling my identity theft and I do believe this is unfair and unjustifiable by this agency who obviously has no right to collect nor follow federal guidelines regarding consumer rights.
07/17/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MO 63033	Web
Firm : Gamache & Myers, P.C. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), Mo. XXXX XXXX Complaint : I made a payment arrangement with them via their representative XXXX, around XX/XX/XXXX to pay {$75.00} per month toward my debt. XXXX said that I paid {$150.00} in a previous arrangement in XXXX and wanted me to pay more this time. I told her that {$75.00} was all I could pay this time. She said that theyll take the $ XXXX/month for three months and then renegotiate. I told her that in three months Id still only be able to pay the {$75.00} so why not just leave it as is. She said theyd contact me again in three months. They took the payments for three months, via automatic debit and then stopped taking them. They sent me a letter saying it was time to renegotiate my monthly payment amount. Id already called XXXX several times to ask her why they stopped taking out the {$75.00} payments. She never answered or return my calls. That was around XX/XX/XXXX. Theyve filed a Garnishment Order on XX/XX/XXXX and XX/XX/XXXX against the bank account that they took those three {$75.00} payments from. My bank didnt give them anything from the account even though money was there. The initial Garnishment they issued on this account was on XX/XX/XXXX and the bank sent them the {$1200.00} that was in the account. Now, theyve issued a XX/XX/XXXX Garnishment Order on the other bank account I have, which didnt have any funds in it at the time. I believe its their greed that has caused them to miss receiving {$1500.00} if they would have continued taking the $ XXXX/month. Since they stopped taking the money I made arrangements with another debtor using that original bank account and paid that debt off. Now, I dont know if their representative XXXX took it personal and made decisions on her own, but the Garnishment Order is from the Law Firm so even if she made her own decision they support it. I say this has to be greed because I dont think Ive heard of any Debt Collector that refuses to take money towards the debt when its offered. Also, since the court allows them to charge interest the balance grows like a credit card balance and then you add all the extra service fees, etc.
08/13/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MO 652XX	Web
My complaint is with Gamache and Myers. They are trying to obtain an amount different than their correspondence claims. My original correspondence stated I owed them {$540.00} which I agreed to owing. I set up a payment plan with them for {$100.00} a month to be debited from my account after I had already mailed them a {$100.00} money order. Today in the mail I get notice that they will be drawing out another {$100.00} on the XX/XX/XXXX of the month. That will be {$600.00} that I have already paid to them. When I called them about this they stated that I set up the payment arrangement for this payment with a final payment of {$37.00} and change to be taken out in XX/XX/XXXX. I asked her what the additional amount was for because I've already paid them most of the debt they originally said I owed. This rep told me it was for {$86.00} in court costs plus {$4.00} in interest. When I looked back at the notarized copy of what we agreed up, the interest says {$.00} and the court cost line is left blank. According to this paper sent from their office I only owe the debt of {$540.00} I believe this is a violation of the fair debt reporting act in trying to collect more than the original agreed upon amount was. I don't have an issue with paying in full the original amount they gave me but feel it's unfair that they are now trying to tack on this random amount I knew nothing about. It was NEVER on any of the letters they mailed me about my debt. I had another debt with them prior to this one and they were given too much money which took me almost 2 months to be refunded to me. Their debt collection practices need to be looked further into. I don't feel as if I should owe this additional since it was not stated prior. I did tell the representative I will be closing the account they are debiting their payment from and send them the remaining {$47.00} and that will be my final payment.
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
Good Morning, Request for Deletion of XXXX I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Velocity investments XXXX and XXXX & XXXX XXXX XXXX. As outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
10/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 3. Do not sell or transfer this debt to any other third party. 4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. Your immediate attention to this matter is expected and appreciated.
03/16/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MO 640XX	Web
Gamache & Myers has a judgement placed against me for the amount of {$14000.00} Missouri case no XXXX and offered a settlement of {$6000.00}. They told me with payment of this settlement I could obtain a satisfaction letter from the courts within 30 days but most of the time it goes out sooner. They are now refusing to send a satisfaction letter within this time frame to either myself or the courts. I have requested from them 4 times a letter of satisfaction or to just tell me when they are sending it to the courts and they refuse to give me a date when this letter of satisfaction will go out and the only thing they will tell me is that the process will start after 30 days. This was clearly not the original information they gave me. If i am not in possession of the settlement letter by XX/XX/2017 then I will be unable to close on my mortgage that is set for a closing date of XX/XX/2017. I have contacted my local court and they informed me that a satisfaction letter should be sent out immediately by them once our funds have cleared. Each time I call Gamache & Myers they are rude and tell me they can not understand why I have called 4 times asking the same question. I have attached a copy of the settlement letter along with copies of the cleared check that was paid to them on XX/XX/2017.
02/21/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 65616	Web
I had a collection account with XXXX XXXX XXXX they sold it to Gamachie & Myers P.C. but then took the debt back. So I Paid off the amount with XXXX XXXX XXXX the current owner, they will send a letter within 30 Days stating that Account number ending in XXXX was paid in full on XXXX So today I am served with papers telling me we are going to court the people who filed the Law Suit is Gamachie & Myers P.C. In the letter they say the current owner is XXXX XXXX XXXX so they are trying to collect on a debt that is paid with XXXX XXXX XXXX. ending in XXXX I have a payment schedule from XXXX XXXX XXXX., on a second account I spoke with the today and they confirmed they own the account and seen where I am Making Payments. So I contacted Gamachie & Myers P. C. and explained I paid the full amount to XXXX XXXX and I have a payment schedule with them on the second collection. She told me she dont care XXXX it up we are going to court. To me this is Illegal to collect the same debt twice especially when they dont own the debt. Either way the debt is being paid to XXXX XXXX XXXX who owns both accounts
11/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MO 654XX	Web
On XX/XX/2020 my original creditor XXXX XXXX XXXX agreed to accept {$1500.00} as a full settlement amount on account ending in XXXX which had been placed with XXXX XXXX XXXX XXXX and had a balance of {$4300.00} at that time. My obligation to XXXX XXXX XXXX XXXX was completed in full. It seems that this debt which was settled in full was sold, maybe more than once, to another creditor who is now attempting to collect the remainder. The XXXX Card was issued by XXXXXXXX XXXX XXXX XXXX, related to, or my account may have been sold to, XXXXXXXX XXXX XXXX, then it seems to have been sold to XXXX XXXX XXXX, then put in the hands of XXXX XXXX XXXX, and now represented by the law office of Gamache & Myers. I attempted to dispute this debt online through XXXX XXXX which I would not recommend as a platform for dispute resolutions. I've also mailed hard copies of the documents to Gamache & Myers law firm. Correspondence with XXXX XXXX XXXX XXXX was originally conducted by my wife XXXX on my behalf.
03/21/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	MO 631XX	Web
In or around XXXX, I was sued for a debt originating with XXXX XXXX for approximately {$8300.00}. I did not know that I could dispute the debt and started making payments. XX/XX/XXXX I stopped payments to try to resolve with original creditor. No further communication from debt collector, Gamache & Myers. On XX/XX/XXXX, my employer received a garnishment for this debt. XXXX ) I have zero record of XXXX XXXX trying to collect on this debt before it was sold to a collector. XXXX ) Debt is for defunct XXXX XXXX XXXX XXXX XXXX for profit college that closed in XXXX. I have no way of knowing what this debt is for even though all other monies for tuition have been paid. XXXX ) I have asked for debt verification and information regarding what the debt is, etc. from Gamache & Myers via phone and email without response. XXXX ) In XXXX, there was a class action settlement against XXXX XXXX XXXX parent company and I believe this debt was sold specifically for the purpose of avoiding settlement.
01/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MO 656XX	Web
XX/XX/XXXX, a collection agency representing XXXX XXXXXXXX XXXX placed a judgement against me for {$3100.00} plus interest. XX/XX/XXXX, they garnished my wages for this debt from a job I had to leave in XXXX. I hadn't heard from them again until today when I got a summons to appear in court XX/XX/XXXX, for this same debt. They are placing a lien on my property. The parties involved currently are Gamache & Meyers, PC Attorneys At Law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( no further info provided ) I have never been able to afford an attorney to help me with this. I can't do so now. This is NOT my debt. I did NOT have this credit card. I tried for years previously on my own to get a contract or proof I owed this debt, and they've never given me anything. This has to be some kind of fraud or identity theft.
03/17/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AR 72211	Web
I was not made aware of the transfer/sell of the debt. The response is false information and the copy you sent did not provide any justification. The collectors did not send anything to me prior to CFPB complaint. The original old debt was written off by a different company. The amount is incorrect and there is no legal right to sue in the state of Arkansas because I do not have a contractual agreement with this junk debt collecting agency. I did not receive a written notice/debt validation letter within five days of the collector 's initial attempt to contact you. I was only notified by advertised attorney mail indicating I was being sued. This debt collector did not follow the law. The debt agency did not send actual proof of notifying me of the debt validation. They mailed copies of irrelevant information to my complaint.
04/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 63146	Web
XXXX XXXX XXXX purchased my account from XXXX XXXX XXXX. This account with XXXX financial services began in XXXX and was charged off in XXXX. XXXX XXXX XXXX XXXX tried to collect this debt from me and could n't so they sent it to a lawfirm by the name of Gamache and Myers ( XXXX, MO ) in XXXX of XXXX. They are currently trying to garnish my wages for additional fees and the amount of interest charges and unpaid balance which is not accurate. I 've tried many times to get them to send me signed paperwork that I owe them ( XXXX ) any money and they have constantly refused. It is illegal for them to continue trying to collect debt on anything over 7 years old and also. They are unable to prove that I own XXXX or XXXX XXXX any money as I have not signed any paperwork with them or purchased any goods or services from them.
05/28/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MO 63043	Web
I settled with XXXX XXXX on a debt which I dutifully paid for a year. Gamache and Myers tried to collect a sum over and above the agreed upon amount - not by much, maybe less than {$100.00} of what was agreed upon, but when I closed the account believing that we had settled the agreement, they then rescinded the agreement with XXXX. I was represented by a lawyer who made this agreement, when Gamache and Myers contacted my attorney separately by phone to negotiate this agreement. I repeatedly tried to call G & M to straighten this out, and the representative was rude and hung up on me and would not give me receipts of payment or discuss the matter with me. That was over 4 years ago, and now I'm being sued for this same debt that I already paid.
02/10/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	MO 656XX	Web
Gamache & Myers P.C. out of XXXX XXXX, Missouri is harassing me for a debt that is not held with them, and they are not reported as a debtor on my credit report. They have served me at my home on XX/XX/XXXX. They have filed a judgment against me in XXXX XXXX, and then on XX/XX/XXXX, they served my former employer with a garnishment of wages and direction to serve person in charge displaying all of my important information such as the last four of my social security number. I feel that my rights have been violated because I do not know who might have received my paperwork. This law firm needs to be investigated for how they conduct business. XXXX XXXX
01/29/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MO 64086	Web
Received correspondence from Gamache and Myers on XXXX/XXXX/15 stating they are attempting to collect a debt for XXXX XXXX XXXX. Responded via certified letter to G & M requesting validation of debt be sent to my residence. Received response on XXXX/XXXX/15. Did not receive proper validation of debt, however. Responded via certified letter, again, to send me proper validation of the debt. Received notice today that G & M has filed suit on this debt without providing proper validation of the debt to me. Therefore I will be forced to hire an attorney, at my expense to defend this unsubstantiated lawsuit.
11/22/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MO 63109	Web	Older American
On XX/XX/XXXX I tried to use my debit card and found that my account has been garnished. I collect XXXX XXXX and have been since XXXX. On XXXX XXXX the attorney for the debitor ( XXXX ) filed a release of funds with the court and XXXX XXXX XXXX. Today ( XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX said there is still a garnishment from the courts. XXXX XXXX XXXX is charging me {$120.00} in legal fees and sending the attorney {$100.00}. XXXX XXXXXXXX XXXX should have protected my funds hence I shouldn't have to pay their legal fees
03/23/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 657XX	Web
I have made every payment and am ahead one payment but XXXX Myers, P.C have added XXXX derogatory items on on my report. I have made the payments cia money orders and have receipts to show it. The XXXX derogatory items should not be on my report. Also the settlement amount is {$2100.00} and they have the amount of {$4200.00} on my report. I have documentation to prove that via court records. I also have receipts for all payments made and as i stated above i am one payment ahead on this and have receipts to show for it
10/06/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AR 72211	Web
I did not receive a written notice/debt validation letter from the last complaint I filed against this company. The debt agency did not send actual proof of notifying me of the debt validation. Instead they sent a new bill. The amount is incorrect and there is no legal right to sue in the state of Arkansas because I do not have a contractual agreement with this junk debt collecting agency. This debt collector did not follow the law.
09/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MO 63129	Web	Servicemember
Gamache and Myers of XXXX XXXX MO garnished my paycheck, the balance of XXXX dollars was paid in full, and over paid by XXXX dollars and they sent a release to my employer to stop the garnishment. However, I have received a notice I owe them XXXX more dollars plus XXXX cents interest due to be paid XX/XX/2022 this was also sent to the court even though they have been over paid. I have contacted them with no response
03/16/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MO 630XX	Web	Servicemember
This company obtained a judgement against me for a credit card debt that is more than 5 years old, they are now attempting to renew the judgment against me. I never received a summons to appear in front of a judge. The original credit card was for less than {$400.00} dollars and they are attempting to gain a garnishment against me for over {$1200.00}
04/04/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AR 722XX	Web
Debt collected lawyers trying to sue over an old debt around {$14000.00} from several years ago. I believe the year was 2016. Sending direct letters to judge requesting a final hearing.
10/22/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MO 64157	Web
XXXX XXXX XXXX XXXX as Assignee Gamache and Meyers have garnished bank accounts after the statute of limitations has expired in Missouri.
11/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AR 72713	Web

11/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63021	Web	Servicemember

10/11/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AR 72113	Web	Servicemember

08/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 64157	Phone

08/19/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 65704	Web

04/06/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 63129	Web

09/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63121	Web

06/13/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 63033	Fax

04/26/2018	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	MO 65611	Web

10/31/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 63031	Web

05/21/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	MO 63104	Web

03/30/2017	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	MO 63088	Web

11/23/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MO 63129	Phone	Older American

03/21/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MO 64157	Web

02/17/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 63114	Web

12/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AR 72078	Web

11/22/2014	Yes	Credit card	Arbitration	MO 63121	Web

07/07/2014	Yes	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	MO 63368	Web