Gurstel Law Firm, P.C. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
08/23/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 558XX
Web
I have a law firm " gurstel law firm '', who is trying to collect on a disputed debt from between 11-15 years ago. No one has collected against me prior to when I had the credit card ( XXXX XXXX ). It 's off of the credit bureaus long ago. I have a new XXXX XXXX in good standing with a XXXX balance, why would XXXX XXXX do this? They are issuing a Garnishment for debts that are at the least 11 years old and in dispute and not being collected against until now. I 've contacted them in writing to cease and desist and not even a response, other than the threat of garnishment. I did a quick search and found just on just one site several dozens ( 56 ) complaints for violations of the Fair Debt Collection Act and various other issues, which I can provide. They are location in XXXX XXXX Minnesota. I have a FICO score in the Excellent range and this could harm me in many ways. Gurstel Chargo PA complaints We have 56 complaints about Gurstel Chargo PA. XXXX XXXX XXXX - XXXX / Gurstel Chargo PA Debt collection / Auto Taking/threatening an illegal action / Threatened to sue on too old debt XXXX - XXXX / Gurstel Chargo PA Debt collection / Other ( i.e. phone, health club, etc. ) Cont 'd attempts collect debt not owed / Debt was paid My husband received an affidavit of renewal of judgment few days ago. It so happened that I pulled our credit report because we are looking into buying a house, well on that credit report it shows that its been satisfied since XXXX. We 've paid this off. So now we are being sued. XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Cont 'd attempts collect debt not owed / Debt was paid XXXX - XXXX / Gurstel Chargo PA Student loan / Non-federal student loan Ca n't repay my loan / Ca n't get flexible payment options I filed Chapter XXXX bankruptcy and it was discharged this year. I alternative student loans what were initially with XXXX and then sold to XXXX XXXX XXXX were current prior to my bankruptcy. They did take payments through my bankruptcy. Now that my bankruptcy has been discharged I received a notice through Gurstel Chargo PA, XXXX XXXX XXXX XXXX XXXX MN XXXX. I sought my lawyer on this. I told the collection agency/attorney, that they need to provide documentation of the loans. They called me and stated that I these loans are nondischargeble due to they are student loans. I stated I know they are student loans but not Federal Direct loans. I told them they needed to communicate with my attorney. Now, They want me to pay upfront { {$8000.00} } to settle the account. I have an attorney XXXX MN. I have been working with him to try to work out something. However the collection agency will not seem to budge. I just got out of bankruptcy, There is n't bank out there that would loan me { {$8000.00} } to pay this off. No XXXX - XXXX / Gurstel Chargo PA Debt collection / I do not know Taking/threatening an illegal action / Sued w/o proper notification of suit XXXX I was notified by my employer that my wages were being garnished by a company called Gurstel Chargo PA. I had no knowledge of any debt with this company or the Plaintiff, XXXX XXXX. I 've never been to court before or been sued so I was unaware of what I was supposed to do to fight it. This company garnishes my wages for the next XXXX paychecks, they took XXXX XXXX of my check for a total of over { {$1800.00} }. In XXXX XXXX my employer sent me a " Notice to Discharge and Release Garnishee ''. I assumed that was the end of it and I 'd never hear from them again. On Tuesday, XXXX XXXX I received notification from my employer that the exact same company was garnishing my wages again for the exact same case number but for an additional { {$150.00} }. My employer called this company and told them that I had already been garnished, but they had not received the proper paperwork to send the money. I was told it must be filed in the court before the money is paid from my employer to the Gurstel Chargo. Gurstel Charg XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Communication tactics / Used obscene/profane/abusive language I was a customer with creditor for many years. I lost my job and was not able to make my payments. I called and tried to work out an arrangement. Was told there was nothing they could do for me. Some time passes and I get a process server telling me I am being sued. I called the collection agency each time I call I get a new person and a new set of things I need to do to make this go away. Was trying to resolve a debt issue before a court date. Was told to submit a written proposal and with in 72 hours I would have an answer. I emailed and faxed my proposal. Went to initial court hearing and spoke to their lawyer and was told he had to run my proposal by his client he would get back to me. I called back two weeks later and was told my offer was rejected and I would be forced to pay entire balance in three monthly payments. I said I could not afford that. I was told by a female attorney with the company that maybe I should have a better XXXX job. Then I was told she would start the garnishment paperwork. We ha XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Cont 'd attempts collect debt not owed / Debt was paid A credit card I had went to collections and I paid the credit card directly to the credit card company. This happened several years ago. A year ago I received a notice from XXXX XXXX that I was going to be sued over the debt in XXXX County and they sent me some questions in a legal document. I responded, explaining I had paid the debt and asked them for proof of the debt, as I believed I had completely paid off the debt. I hand delivered the response, so I know they received it. I heard nothing for eleven months. Then I get a letter saying they were asking for summary judgment, since I did n't respond to their request for " interrogatories '', which I had never received. Their interrogatories were to have been answered within 30 days, and if I did n't, the debt was admitted to. They made no attempt to actually show that I owed to the debt. I believe they never even mailed me the interrogatories. This was just a way to avoid to have to prove the debt, a way to avoid the burden of proof of the debt. I answ XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Disclosure verification of debt / Not given enough info to verify debt XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Cont 'd attempts collect debt not owed / Debt was paid XXXX XXXX XXXX is collecting on a debt that has been paid. XXXX sold accounts to XXXX XXXX, I have number of accounts showing up under XXXX. These are accounts for as early as XXXX. XXXX - XXXX / Gurstel Chargo PA Debt collection / Other ( i.e. phone, health club, etc. ) Disclosure verification of debt / Not given enough info to verify debt XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Disclosure verification of debt / Right to dispute notice not received I have been divorced for over 15 years, and a judgement was obtained in my married name ( I changed my name to my maiden name when I divorced ) and communication was going to an address that I no longer lived at. Needless to say I did not contest the debt prior to the judgement due to not being aware. The debt was from prior to XXXX, and on XXXX a third party collection firm filed a judgement against me. They obtained an order to garnish in XXXX of XXXX. The garnishment over collected in the amount of XXXX, and I was issued a partial reimbursement in the amount oXXXX XXXX. The third party collector remitted the reimbursement to my former name, which I have not used in 15 years, and additionally I have not been issued a reimbursement for the remaining XXXX to date. Even depostiing the check will present as an issue as I do not have any accounts or ID in that past name. It was changed by court order, which I told the third party collection agency and law firm over and over. When I attempted to obtain XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Cont 'd attempts collect debt not owed / Debt is not mine XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Cont 'd attempts collect debt not owed / Debt is not mine XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Disclosure verification of debt / Right to dispute notice not received XXXX - XXXX / Gurstel Chargo PA Debt collection / Federal student loan Communication tactics / Threatened to take legal action XXXX - XXXX / Gurstel Chargo PA Debt collection / Other ( i.e. phone, health club, etc. ) Disclosure verification of debt / Not given enough info to verify debt XXXX - XXXX / Gurstel Chargo PA Debt collection / Other ( i.e. phone, health club, etc. ) Disclosure verification of debt / Not given enough info to verify debt XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Improper contact or sharing of info / Talked to a third party about my debt Gurstel-Chargo hand delivered a paper that looks like an official county document with the words " you are being sued '' and more literature describing the debt. I was not home and they delivered the document to my Landlord. The document was not in an envelope or any other covering. It is a misrepresentation of a summons to district court and has in bold print on the front page " you are being sued '' I have sent them { {$600.00} } in payments in the last month already. XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Taking/threatening an illegal action / Seized/Attempted to seize property I was served with a Summons in Civil court by Gurstel Chargo P.A XXXX AZ in regards to a debt with XXXX While I did have a credit card with them, it was paid on time each month & then paid off. I have not received a bill or phone call regarding any remaining debt in over a year. The first notification was this Summons. It threatens to garnish wages or seize property if not responded to. XXXX - XXXX / Gurstel Chargo PA Debt collection / Non-federal student loan False statements or representation / Attempted to collect wrong amount i am being garished out of my payroll 25 % very two weeks i can '' t keep up. Gurstel Chargo ( attorneys at law ) have my student loan looking like a Child support case to the courts in STATE OF ARIZONA, XXXX OF EACH MONTH, I PAYED XXXX XXXX A MONTH UP UNTIL XXXX THEN THEY WANT XXXX SO PLEASE HELP US I CAN '' T PAY MY OTHER DEBT BECAUSE OF THEM XXXX - XXXX / Gurstel Chargo PA Debt collection / Non-federal student loan Cont 'd attempts collect debt not owed / Debt was discharged in bankruptcy XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Improper contact or sharing of info / Talked to a third party about my debt XXXX - XXXX / Gurstel Chargo PA Debt collection / Auto Cont 'd attempts collect debt not owed / Debt resulted from identity theft I have about a stacks of letters about other people 's information that the company Gurstel Chargo send to me wrongly and I never received my information correctly. Gurstel Chargo has it wrong with my identity. I have send you overwarming information in the past but they choose to go ahead with erroneous information. I took a picture of the information of other clients they mistake me for just to prove they have it wrong. Gurstel Chargo are spamming other peoples sensitive and financial information. I sent picture and police report to prove that is this a mistaken identity. XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Communication tactics / Called after sent written cease of comm XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Taking/threatening an illegal action / Threatened to sue on too old debt XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Disclosure verification of debt / Not given enough info to verify debt XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Disclosure verification of debt / Not given enough info to verify debt XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card False statements or representation / Attempted to collect wrong amount Gurstel Chargo has committed numerous FDCPA violations related to a dunning letter sent to consumer dated XXXX XXXX, XXXX. In the letterhead of the 'dunning ' letter Gurstel Chargo claims to have offices located in Nebraska XXXX Checking with the Secretary of State 's Office, no licensed collection agency by that name exists. Furthermore, the letterhead represents Attorneys at Law but has a 'disclaimer ' in the body of the letter that states : " At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. '' - If an agency incorporates the use of form collection demands on attorney letterhead the agency MUST incorporate " meaningful attorney involvement '', into its collection process. 15 U.S.C. Section 1692e. These are just a few violations regarding a dunning letter sent to consumer dated XXXX XXXX, XXXX. Consumer will file a federal and state lawsuit against Gurstel Chargo for violations of the FDCPA, FCRA and TCPA if Gurstel Chargo continues to contact c XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Communication tactics / Used obscene/profane/abusive language I had stopped paying my credit cards because we were close to losing our home. We were given a loan modification and I contacted the company Gurstel Chargo in XXXX XXXX XXXX I and XXXX XXXX file # XXXX I explained that I am paying XXXX mortgages right now and can afford { {$50.00} } a month until we have more money available to pay this was on XXXX. I spoke to XXXX XXXX. He was very rude. He asked me for my work phone number. i told him was not supplying my work phone number he said do n't interupt me when I am speaking was very harsh. I ended the call after saying I am going now. I sent a few emails to the company with my budget telling them I can afford { {$50.00} } a month just trying to pay my debt. I was served with no further communication from them on XXXX. When you are down on your luck with XXXX kids and try to make things right and call in treated very rudely and then served on top of it. I just want to pay my debt paying as much as I can afford at this time without being harrased. It shouldnt be that hard XXXX - XXXX / Gurstel Chargo PA Debt collection / Medical Cont 'd attempts collect debt not owed / Debt was paid XXXX - XXXX / Gurstel Chargo PA Debt collection / Credit card Cont 'd attempts collect debt not owed / Debt is not mine Please help to protect me! Thank you!
04/17/2019 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
  • AZ
  • 85138
Web
In XXXX, I obtained a private student loan from XXXX XXXX, to cover moving costs, as I was moving to GA to attend another college. My initial request to them ( on a recorded call ) was for {$5000.00}. The representative asked several questions about my situation and advised to ensure I took out more than enough to cover any costs, as I would have to go through the application process again if I decided I needed more money. When asked what I qualified for, they advised me, with having my mother as a co-signer, I qualified for up to {$20000.00}. This was our qualifying amount with me being XXXX, a XXXX making about {$1100.00} a month and my mother being on social security, making less than {$1000.00} a month, and both with credit scores in the 570-650 range. Of course me being young and not knowing the long term impacts of this, I accepted. About a year later, when I needed additional funds for school, I reached out to them again, this time still making approximately the same amount of money and having my mom as a co-signer. The company allowed us to take out an additional ( approximate ) {$20000.00}, in addition to allowing my mother to co-sign on a friends student loan for {$30000.00}. After graduating in XXXX, I began receiving collection notices to start repayment. All of the alleged recorded calls will reflect, on numerous occasions attempted to set up a reasonable payment plan, as they were asking for approximately {$550.00} and at this time I was making around $ 1,500.00/month. The declined, were extremely intrusive and disrespectful, also declining to accept anything less than the request amount. Since I could not afford this amount, I made no payments. In XXXX, I was again contacted by a company servicing the account. After a very long conversation going rounds about why I could not afford what they requested, their initial negotiated amount was nothing less than {$250.00}. I advised I could a maximum afford {$100.00} and advised that was stretching my budget. After the rep consulted with his management, they agreed to $ XXXX/month for 3 months and then said we would reconvene at that time, as I was expecting a promotion and possibly able to afford a little more. When my third payment was made and I spoke to them again, advising my income had not changed, they declined to continue accepting the {$120.00}, insisting on a minimum of {$250.00}. After a lengthy and endless argument, I advised they could take me to court, as no judge was going to order payments for what they requesting, based on my income. I received no further notice from them until XXXX, when I was contacted by Gurstel Law Firm PC, who now owns the debt. I again attempted to negotiate an amount but they as well were adamant about nothing less than a few hundred a month. Since they refused to work with me, I refused to have further contact. At the end of XXXX, Gurstel filed a lawsuit with the XXXX count court in XXXX, AZ. I submitted these concerns to the court as well as requested proof that they even owned the debt, as they are not who I obtained my loan from. The provided proof of ownership and from there I received a few notices of their filings and changes to documents submitted to the court and from there I attempted to contact the attorney handling the lawsuit to discuss options but those calls and emails went unreturned. Magically, the only notices I didn't receive from that point on were the ones that required me to respond to the court or I would receive a notice stating I had 10 days from the date of the document to respond but they were mailed, not served, to me, usually leaving 1-3 days to respond. Additionally, the XXXX county court requires a {$240.00} filing fee every time I have to respond, to which I requested a fee waiver but was advised I did not meet the financial guidelines and all they could do was allow me 60 days to pay it, of which I could not afford. After that time, in XX/XX/XXXX, I received notice of a request for garnishment, stating I had 10 days to respond, again being mailed to me by XXXX, not the courts and was received on XX/XX/XXXX, with documents dated XX/XX/XXXX. Since I was not provided sufficient time to respond, I contacted the courts after the holidays and was advised I would have to pay the {$240.00} to file a request for a hearing, money of which I did not have. I received no further notices or calls from XXXX until today XX/XX/XXXX, which is a request for garnishment, documents dated XX/XX/XXXX, post marked XX/XX/XXXX, advising I have 10 days from the date of the letter to respond, of which again I can not afford to do, due to financial hardship. My initial request to the courts was a reasonable repayment option, which was never responded to, only the notices of their filings and I have attempted to resolve the matter with XXXX directly. I am filing this concern with the CFPB for them to be investigated for predatory lending practices as a company and their dealing with the court in this matter, as I believe the convenient timeliness of their notices to me poses a UDAPP violation. However, I have now retained an attorney and will be proceeding with filing a lawsuit for predatory lending practices ( as outlined above, I should have never been given the amount of money I did, nor should they have allowed my mother to co-sign for almost $ 100k, making less than $ 1k a month, on SSI, which they knew could never be garnished ).
11/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85016
Web Servicemember
I lost my job back in XX/XX/XXXX and immediately activated the XXXX Unemployment ( Payment Protection ) insurance coverage linked my XXXX credit account. Each month I was required to submit a benefits application along with proof of my continued unemployment and in turn the minimum monthly payment due on the XXXX account would be paid. Benefit applications were submitted for the months of XX/XX/XXXX to XX/XX/XXXX. In reviewing my account statements, it appears benefit payments for the months of XX/XX/XXXX thru XX/XX/XXXX werent posted, despite the required documentation was submitted. I first attempted to contact XXXX by telephone regarding the missing payments in XX/XX/XXXX but wasnt able to speak to anyone. The country was under mandatory lockdown due to XXXX and XXXX representatives werent available. I followed up on XX/XX/XXXX by mailing copies of all of the required documentation relating to the missing payments and requested they be posted as quickly as possible. In XXXX terms and conditions for unemployment benefit coverage it states once the maximum number of payments, which is twelve ( XXXX ), has been reached and if unemployment continued, the XXXX credit account would qualify for a balance waiver, and the remaining balance on the account would be paid in full. From XX/XX/XXXX to XX/XX/XXXX, XXXX had issued a total of XXXX ( XXXX ) benefit payments to my XXXX account. XXXX was made aware once the missing payments had been issued I also would have met the requirement to have the remaining balance waived and paid off. Once the lockdown was lifted and business operations were back to normal, I assumed XXXX fulfilled their responsibility by posting the missing payments and paid off the balance of my account because I never received any further communication about my claim or my credit account from anyone until I received a letter from XXXX XXXX XXXX sometime in XXXX indicating my XXXX had been charged-off in the amount of {$1500.00} and they were attempting to collect payment. Since my contractual agreement on my XXXX account was with XXXX XXXX XXXX reached out to them directly in writing informing them an error had been made on their part and requested it be corrected immediately. A copy of my letter was sent to XXXX XXXX XXXX with a cover letter stating I was not acknowledging or accepting their claim that I now owed them any money but wanted to bring to their attention XXXX XXXX XXXX contacted for a resolution. In addition to the missing benefit payments along with the balance on the XXXX account not being waived, I discovered XXXX failed to credit my account in the amount of approximately {$170.00} plus tax for two items that were ordered in XX/XX/XXXX but never received. XXXX was contacted about the missing items and I was instructed to complete and submit an, Affidavit of merchandise not received. Credit for the missing items was never received after the form was submitted. Despite all of my previous communications with XXXX, XXXX XXXX and XXXX XXXX XXXX my account appears to have been allowed to continue in the collection process to where it was turned over to XXXX XXXX Firm who in turn filed in small claims court attempting to collect. This XXXX account should have never reached the level that it has. All parties involved, despite having been made aware numerous times there was a problem, have simply chosen to ignore or take steps to resolve it. I have again attempted to get this matter handled by contacting XXXX but was told to contact XXXX, who said they no longer had my account and directed me to XXXX, the servicer. XXXX said my account was now in the hands of XXXX XXXX XXXX who told me I would have to speak to XXXX XXXX Firm assigned to handle my account. None of the parties ( XXXX, XXXX XXXX XXXX XXXX XXXX ) whove had a role in the handling of my account have taken any interest in assisting me with this matter, despite each having reported it negatively to the credit bureaus. The credit bureaus wont do anything stating by law only the reporting creditor has the ability to take action on an account that has been reported on my credit file. I am seeking the assistance of the Consumer Financial Protection Bureau to help me resolve this issue. I want XXXX XXXX Firm to cease all attempts to collect on this account ; and I want XXXX XXXX Firm to close this account permanently based on it was never a valid collection account... I have copies all benefit applications and proofs of unemployment and the affidavit of merchandise not received that were submitted to support my claim.
08/20/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85204
Web
I am writing to file a formal complaint against Gurstel Law Firm PC ( specifically, the Arizona office at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX ) who has been attempting to collect a debt from a XXXX judgment in XXXX XXXX, Iowa, which includes my name but is not me. I was told they purchased and transferred the XXXX judgment to Arizona ( it shows as paid per the Iowa courts online website ) and re-filed it in Arizona. Gurstel Law Firm proceeded to garnish my wages without any notice and without allowing me to dispute the debt. This is NOT my debt and, regardless, it is my understanding that the statute of limitations of more than 10 years bars them from suing in court in an attempt to collect it. I believe all of this is in violation of FDCPA. I was never provided with a Notice of Debt, which under Regulation F ( effective XX/XX/XXXX ), is a requirement under the law, The Notice is required to provide 1 ) the debt collectors name and mailing address, 2 ) the consumers full name and address, 3 ) the name of the original creditor and the account number associated with the debt, 4 ) the name of the creditor to which the debt is currently owed, and 5 ) the amount of the current debt and an itemized list of any payments made with added fees, interest and other charges included. As a side note, there are XXXX XXXX XXXX in Iowa and XXXX in the country ( who may or may not have lived in Iowa at some point ). Further, the AZ judgment includes XXXX XXXX XXXXXXXX in an assumption that there is a spouse involved. I have not been married since XXXX. Again, I did not receive any correspondence in Iowa or Arizona regarding this XXXX debt. My credit report has been run multiple times for various purposes ( applying for credit cards, renting apartments, when required by employers, and most recently, as I am in the process of obtaining a mortgage ), and this debt has NEVER shown up on my credit report. Additionally, I was required to go through a thorough FBI background check to obtain a fingerprint clearance card here in AZ, and this court action/judgment did not show up at all. The tactics that Gurstel Law Firm employed is using are unethical and, I believe, illegal. I was not aware of ANY action against me until I received my paycheck ( from XXXX XXXX XXXX In. ), and I inquired with my HR department to find out what the garnishment was for. They then provided me with the court documents, which I had not previously been provided with. I did receive copies in the mail from my employer on XX/XX/XXXX. As a side note, 25 % of my net income is less than {$400.00}, and the garnishment was for considerably more, which actually ended up being almost XXXX of my net wages. You can imagine my horror and surprise when I received my paycheck. On that same day ( payday ), XX/XX/XXXX, at XXXX, I contacted Gurstel Law Firm and spoke with a representative named XXXX XXXX XXXX XXXX XXXX something like that ), and I explained the situation. He said he would get it in front of an attorney that same day and that I would then receive a packet in the following week which would allow me to dispute the debt. He advised that the garnishment would continue, and when I asked if my money would be returned when it is proven that the debt is not mine, he said he did not know. As of XX/XX/XXXX, I had not received the promised packet, so I again contacted Gurstel Law Firm and spoke to XXXX XXXX ( or something like that ) at XXXX. He advised that they were in the process of putting together the packet, so it had not been mailed yet. I asked if my next paycheck ( on XX/XX/XXXX ) would be garnished while we are in the process of the debt dispute, and he advised in the affirmative. I believe Gurstel Law Firm is using stall tactics to allow them to continue to garnish my wages. The court documents I received from my employer included information regarding how to request a court hearing. I was never informed of this option at any time by Gurstel Law Firm. I am in the process of requesting the hearing, but due to the stall tactics employed by Gurstel Law Firm, I may be late in requesting it and could possibly be denied. Again, I had no opportunity to dispute the debt ( from a XXXX judgment in Iowa ), which is in direct violation of FDCPA/Regulation F ( under 12 CFR Part 1006 ), and I was never notified of any court action until my wages were garnished. This is an attempt by Gurstel Law Firm to collect a debt that is beyond the statute of limitations and that they have not proven is my debt or allowed me to dispute it.
06/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85015
Web
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against GURSTEL LAW FIRM PC for violating a cease and desist notice multiple times they received on XX/XX/XXXX and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices ( See Exhibits 1 - 5 ). On XX/XX/XXXX complaint # XXXX, GURSTEL LAW FIRM PC stated in their response, As XXXX XXXX indicated in his Complaint, he is requesting that Gurstel cease and desist from further contact. Gurstel has noted their system of record of XXXX XXXX cease and desist request on both Accounts. Gurstel will not contact XXXX XXXX unless required or allowed by law. Pursuant 15 USC 1692c ( c ), it clearly states to cease ALL forms of communication through ANY and ALL mediums. GURSTEL LAW FIRM PC has repeatedly violated the cease and desist notice. GURSTEL LAW FIRM PC has committed multiple Fair Debt Collection Practices Act ( FDCPA ) violations and violates my federally protected rights. GURSTEL LAW FIRM PC has failed to provide competent evidence that I have any legal obligation to pay the alleged debt. A copy of the Consumer Agreement and account statements ARE NOT sufficient to validate the debt. Validation REQUIRES presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Per UCC 9-201, I request GURSTEL LAW FIRM PC to provide me with the original accounting under the Federal Rules of Evidence ( FRE ) 1002. Furthermore, GURSTEL LAW FIRM PC has no legal standing to sue, nor legal standing to collect debts in Arizona. I have not validated any alleged debt with GURSTEL LAW FIRM PC, and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability pursuant to 15 USC 1692g ( c ), yet GURSTEL LAW FIRM PC sued me. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving GURSTEL LAW FIRM PC ANY right to collect on this alleged debt. GURSTEL LAW FIRM PC is doing unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. GURSTEL LAW FIRM PC has committed Aggravated identity theft pursuant to 18 USC 1028A. I never gave GURSTEL LAW FIRM PC verbal, nor written approval, nor did I give ANY authorization for any of my personal or financial information. No consent is identity theft. GURSTEL LAW FIRM PC is attempting to collect via Identity Theft while utilizing the court systems to do so which is misleading. An Identity Theft Report has been submitted through the Federal Trade Commission ( FTC ) and will also file a complaint with the Secretary of State. Since personal and financial information was obtained by this law firm, GURSTEL LAW FIRM PC is acting as a debt collector, which also is a violation of the FDCPA which states that a debt collector can not be a law firm and a debt collector ; it has to be either/or but can not be both. Finally, as I stated in my previous complaint # XXXX on XXXX, I am aware that all charge-offs are sold to a securitized trust ( FAS 140 ) and what remains on the transaction is an empty Account. For a creditor to have any legal standing they must repurchase the debt. They can not collect what they do not own and still proceed to collect on it, let alone illegally place an Account with a third party ( GURSTEL LAW FIRM PC ) to attempt to collect. This is misleading and deceptive which violates Federal and State Laws. Once the alleged loan goes into default and is assigned to a debt collector, the effective law changes. The FDCPA is now the law under which action is governed. Once under the conditions of the FDCPA, debt collectors have no legal right to ply the legal remedies owed only to creditors who make loans, including notices of default, assignments to servicers, substitutions of trustees, etc. GURSTEL LAW FIRM PC is in violation of 15 USC 1692j ( a ) because its unlawful to design, compile, and furnish ANY FORM knowing that such form would be used to create the false belief in me, the consumer, that the creditor is participating in the collection of or in an attempt to collect an alleged debt.
09/24/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85286
Web
XXXX XXXX turned our credit card debt on XXXX accounts over to a debt collector, Gurstel Law Firm, PC. Both XXXX XXXX or Gurstel Law Firm, PC failed to notify us in writing in regards to these debts or allow us an option to review the debt or offer a settlement. Instead, they filed a civil lawsuit against us without our knowledge of the debt. In accordance with the Fair Debt Collection Practices Act 809. Validation of debts ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies 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 and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-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. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability 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. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( XXXX ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title XXXX, title V of XXXX XXXX [ XXXX U.S.C. 6801 et seq. ], or any provision of XXXX or XXXX law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. According to this law, a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). No other contact was made by Gurstel Law Firm, PC, a debt collector or XXXX XXXX.
05/17/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Other features, terms, or problems
  • Other problem
  • AZ
  • 85268
Web
XXXX XXXX, Collection Agency Gurstel Law Firm filed a suit in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for the total amount from XXXX 's {$2400.00}. Over 2 years I have disputed the credit card charges from XXXX - XXXX. XXXX 's never tried to contact me about the dispute. Instead they sold my account to Gurstel Law Firm. I have filed a response to Gurstel to dispute the charges XX/XX/XXXX. We had a hearing in XXXX XXXX XXXXXX/XX/XXXX. I responded to Gurstel and XXXX Draw denied that she received a statement that accurately reflected the amount owed. Gurstel have not been able to provide me with the actual amount of the bill within the time allotted per XXXX Fair Debt Collection laws of 5 days after first contacting the Defendant ( Debtor ). Gurstel said that they would send me the statements from XXXX XXXX. I received the XXXX 's statements in XX/XX/XXXX, and the statements were missing pages. Gurstel have not been honest about the total amount of debt that is owed- pages in the documents that they sent me are missing pages and it is marked This page intentionally left blank. I called Gurstel in XXXX to review the statement and the missing pages. Gurstel employee was verbally insulting and abusive to me while trying to obtain the original bill on XXXX XXXX XXXX I filed a Motion to dismiss XXXX XXXX XXXX requesting the court to dismiss this case under the Fair Debt Collection Practices Act 1692-1692p. Third Party debt collectors are prohibited from engaging in unfair, deceptive, or abusive practices while trying to collect these debts. Plaintiffs have not been able to provide me with the actual amount of the bill within the time allotted per XXXX Fair Debt Collection laws of 5 days after first contacting the Defendant ( Debtor ). Plaintiffs also have not been honest about the total amount of debt that is owed- pages in the documents that they sent me are missing pages and it is marked This page intentionally left blank. Plaintiffs employee was verbally insulting and abusive to me while trying to obtain the original bill on XXXX XXXX XXXX Specifically, a debt collector may not collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law. Plaintiff has not provided confirmation of the original bill, their claim for Motion for Summary Judgement and any additional attorney costs is without merit Specifically, a debt collector may not collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law. Plaintiff has not provided confirmation of the original bill, their claim for Motion for Summary Judgement and any additional attorney costs is without merit. We had another hearing XX/XX/XXXX, XXXX XXXX XXXX has a volunteer, XXXX, that was overseeing the hearing and did not know about the Fair Credit Law and was not at all professional to me. He was very biased towards me and did not understand that I am entitled to be protected from collection agencies that can not provide a detailed bill. Gurstel sent me a new set of statements with the additional missing pages. I am still unable to decipher or validate the actual charges vs all the fees and interests that they are including. I also sent the attorney XXXX XXXX proof of all the letters my financial firm XXXX XXXX sent from XX/XX/XXXX - XX/XX/XXXX to dispute all the negative reporting XXXX 's was doing for 2 years. I received a letter form Gurstel XX/XX/XXXX that they have a judgement that was a awarded by XXXX XXXX XXXX. I received in XX/XX/XXXX a letter from XXXX Draw that they denied by my motion to dismiss Gurstel case. I am filing the complaint against Gurstel and XXXX Draw for unfair practices and violating my rights under the Fair Credit law.
02/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85258
Web
Garnishment of Wages - XXXX XXXX XXXX XXXX XXXX XXXX XXXXGurstel Law Firm Gurstel Law Firm uses deceptive practices that are unfair and abusive. The account they are trying to collect on has already been settled with debt consolidation. This was verified with my only account number per phone conversation with XXXX XXXX on XX/XX/XXXX @ XXXX. My XXXX XXXX Account was closed XX/XX/XXXX and the last payment received. ( 3 year statute of limitations ) Documents filed are beginning on XX/XX/XXXX per court history. Based on my last activity credit card debt is not collectible. Failure to disclose the initial written communication. WRIT OF GARNISHMENT is 25 % of my wages due to default. Default entered XX/XX/XXXX, XX/XX/XXXX. Judgment Issued/Ordered XX/XX/XXXX. This was reduced to 15 % at a hearing on XX/XX/XXXX. I was never served nor received any documents. On the NOTICE TO JUDGMENT DEBTOR it is falsely stated that it is my second notice. I learned of this legal proceeding via email from my employer on XX/XX/XXXX with the WRIT attached. The amount of {$9200.00} the principal sum and the {$200.00} accrued costs through the date of Judgment. Total on WRIT of GARNISHMENT XXXX. I called the Creditors Phone Number ( Gurstel Law Firm ) on XX/XX/XXXX and XX/XX/XXXX leaving voicemails with no responses until after I filed a MOTION TO VACATE. They received it via certified mail on XX/XX/XXXX @ XXXX XXXX per tracking # at the front desk. Misleading representation after speaking with collection personnel, XXXX, at Gurstel Law Firm. She called me XX/XX/XXXX @ XXXX and was unable to verify if it was a mistaken identity based on the incorrect information ( name and address ) and no account numbers. An attorney called back at XXXX XXXX on XX/XX/XXXX and she verified it was the XXXX XXXX account that I closed on XX/XX/XXXX, and the last payment was made. She told me I was served at an apartment I lived in almost 3 years ago. There are false representations that documents were legally processed. It was verified by the apartment complex that I lived there at the time even though my name had been changed and the court documents were taped to the apartment door by an officer of the court. This is a gated community requiring a fob for entry. It would be trespassing and an invasion of my privacy. If the apartment complex released my personal information it would make them liable. Im not sure how they would know my previous name. It was an illegal and an unethical communication tactic. My debt was publicly displayed and I did not receive it. I filed a MOTION TO VACATE and she denied receiving it even though I had tracked the documents. Per the certified mail tracking # Gurstel received it on XX/XX/XXXX. I received the green return card signed on XX/XX/XXXX falsified date of receipt. The unfair practice of assigning a principal sum ( {$9200.00} ) and accrued costs ( {$200.00} ) through the date of judgment on the WRIT without any validation of debt and the creditor that is listed offers XXXX credit cards invitation only. I can assure you I do not qualify nor have I ever received an invitation. I located an old file for identity theft that had my credit reports. I was able to use that account number for the only XXXX XXXX XXXX that I have had. The amount of the debt was not retrievable due to the age of the account. The Plantiff defaulted on the time allocated to respond to the Motion to Vacate on XX/XX/XXXX. Per a phone conversation with the XXXX XXXX clerk nothing had been received and the Judge will be making a Ruling. I have almost {$1000.00} in wages at the XXXX XXXX XXXX XXXX, took time off work to file paperwork, had to extend a line of credit to be able to purchase food, and have accrued late fees on outstanding bills. The economic hardship and stress is something I hope no one will ever have to go through.
04/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • XXXXX
Web
It appears as though someone, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX who used duress to obtain my social security number, one of their friends, an unknown person, or Gurstal Law Firm has violated the Truth in Lending Act, copied the information in a XXXX XXXX account that I stopped using around XXXX, XXXX after becoming aware of my credit cards being compromised and XXXX XXXX refusing to fix the issues on my card. It looks as though they copied and pasted information from the original account into this account either by using the data on personal information in the first account into the second account and/or used publicly available information and/or trash to create this account, created fake purchases, or something to make it look like it was me. Multiple times I have asked for them to provide me with signatures to prove as to who made the purchases and opened the account, but they have failed to do this. However, they have failed to do this. Now, Gurstal Law Firm is trying to sue for a debt is not mine, I have submitted to them everything that shows the account is not mine, yet they have failed to drop this case. On the last meeting with Gurstal Law Firm, the guy went on a fishing exhibition to try and say well then this is true so the debt must be yours, but this is not proof as to who made the purchases. All what I am looking for is proof as to who made the purchases since I know it was not me. IP addresses, delivery addresses of packages, etc. is not enough alone as to who made the purchases since any network can be hacked into and a criminal could have a package delivered to any address where they keep track of the package by cloning an email address. My wife believes they used publicly available information including through the credit reports in order to create fake credit card statements through a randomization software program and random payments from businesses in the XXXX XXXX area in order to create this fake account. Then they forged call logs, etc. just to try and convince a vulnerable adult, which I fall into due to my hearing loss, into paying something that they do not owe. My wife has no interest in this matter and is beyond her skill set but she says one way to do something like this is via an automation technique and that is to use a random number generator type program to select an individual to create a fake account. From there, use XXXX XXXX and scripts to scan that individual and their relative 's social media accounts and other publicly available information into finding out a person 's habits than have the software to autogenerate credit card statements including back dating the purchases as a part of the program to create these false accounts. ( My wife says there is massive amounts of digital data that with the correct AI software or the correct script, the information can be collected, and that this technology is improving all the time with an example being the self-driving technology. ) The question that I do not know is to who did this. What does not make sense to me are payments of XXXX, XXXX, and XXXX by someone earning minimum wage. Also, there has to be a paper trail of signatures in order to back the purchases, otherwise, how could XXXX XXXX pass an audit to ensure that they are billing their customers correctly. My wife says that for most industries, a paper trail of records has to be kept between for 5 - 10 years, including her job in case of an audit. I am looking for this XXXX XXXX that answers who. Dates where proof of purchase and who opened the account was requested : XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held
10/10/2018 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MN
  • 55119
Web
I had never missed a credit card payment in nearly 10 years before I moved to XXXX XXXX XXXX. Within the first two months of moving to XXXX I was locked out of my online accounts that I used to pay bills for XXXX XXXX XXXX and XXXX other cc company. I was unable to connect with both credit companies via telephone so, I assumed it was due to being overseas. I called my sister over WiFi and requested that she make my payments over the phone and gave her my information to use to pay the bills. When I came back from XXXX in XXXX for 1 week I called XXXX and attempted to unlock my online account two times ; taking over an hour out of my limited visiting schedule. When the second lady said that my account was unlocked I believed her and hung up. The next attempt to log in was unsuccessful and in XXXX where I was again unable to contact XXXX via phone. When I returned to XXXX in XXXX my sister had decided that we were not speaking anymore and I was unable to make payments through her. When I moved back to the XXXX in XX/XX/XXXX my credit accounts had already been closed. At this point I didnt know what to do, I had been working since I was XXXX years old to have outstanding credit and I was just met with two defaulted credit cards, not because I didnt have the means to pay but, because I was locked out of their online accounts. In XX/XX/XXXX I had attempted to regain relations with my sister but failed.The argument my sister and I had included her frustrations with me that she had been harassed by my debtors ( whom she had told I did not live with them more than once! ). With this knowledge and the {$2000.00} I had saved with the intent to pay my monthly minimum payments while in XXXX ; I called both cc companies to attempt to make payments in good faith. The first company I called was XXXX. I was routed to the Gurstel Law Firm where I left a message requesting someone to assist me in paying off my debts. XX/XX/XXXX I spoke with XXXX XXXX about how I would like to attempt making a payment or the option to pay in full with the money that I had saved. I told him that I was locked out of my accounts and had the money the entire time and would like to pay my bill. At this point I was threatened with a lawsuit. When I was told that I would be sued I questioned why and stated that I was attempting to pay the bill. While I was speaking, XXXX XXXX repeated multiple times over me that I would be sued and then he hung up on me. I have waited 9 months wondering every day when the lawsuit would come. Finally, it is upon us. Instead of serving me, XXXX XXXX had XXXX county serve papers to my sister XX/XX/XXXX. My sister and I are still not speaking to each other so when she got the information she had to tell my brother, who forgot to tell me, and then tell my mother, who forgot to tell me until XX/XX/XXXX that I had 20 days to respond. The law firm had 9 months to write a case since the day they threatened to sue me and I have 20 days to respond. Not only did the harassment of my sister assist in our falling out months ago but, now the law firm just served my personal papers to someone in my family who then told everyone in my family that I am being sued. Not only did the lawfirm take part in the harassment of my sister and threatening me with a lawsuit but, when they finally followed through on their threat they informed someone other than myself that I was being sued for {$3000.00}. This is all on top of the crippling credit score I am unjustly credited due to the failures of XXXX XXXX XXXX to allow me to pay them online or over the phone.
06/13/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • AZ
  • 85019
Web
I feel that I have become the victim of unscrupulous debt collection agents that have taken extraordinary actions to deny my due process rights. The first Alleged Plaintiff is XXXX XXXX, XXXX, the garnishee is listed as, XXXX XXXX XXXX, XXXX, Arizona XXXX XXXX XXXX ID : XXXX, Their agent is XXXX XXXX, attorneys for the plaintiff is the Gurstel Law Firm P.C., XXXX XXXX XXXX XXXX ID Number XXXX, represented by the following attorneys filing this Garnishment with my employer, XXXX XXXX XXXX ( # XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ). This action was filed in the XXXX XXXX XXXX XXXX XXXX XXXX of XXXX in and for XXXX XXXX of XXXX Case # XXXX in XXXX, Arizona, notarized by a State Notary, XXXX XXXX XXXX # XXXX, State of XXXX, and approved for the plaintiff with a stamp from a Justice of the Peace. At no time was I given the opportunity to challenge this action nor, did I consent to have my case heard before a Justice of the Peace, along with not receiving instructions on how to challenge the filing, Also, I was unable to verify the date of the alleged debt. The second alleged plaintiff is XXXX XXXXXXXX XXXX as assignee of XXXX, represented by the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Entity ID : Number : XXXX whose attorney for the plaintiff XXXX XXXX ( XXXX ) is attempting to file a civil action in the XXXX XXXX XXXX to be heard before a Justice of the Peace, Case # XXXX. At no time was I given the opportunity to challenge this action nor, did I consent to have my case heard before a Justice of the Peace, along with not receiving instructions on how to challenge the filing, Also, I was unable to verify the date of the alleged debt. All the above entities are associated with XXXX XXXX, XXXX, XXXX XXXX XXXX Entity Number : XXXX, their law practice is listed as temporarily closed and the phone number listed has been reassigned. XXXX XXXX is currently doing business as XXXX XXXX XXXX XXXX, which is the plaintiff represented by the Gurstel Law Firm, PC, in XXXX XXXX. Arizona XXXX XXXX are for small claims and civil suits that do not seek an award of more than {$3500.00}. They are designed for people to be able to represent themselves in court. Small claims court cases are held in XXXX XXXX locations. There are NO juries, NO appeals, and NO attorneys allowed in small claim cases. XXXX ( unless representing themselves ) can not appear, take part in the filing, or represent either side unless everyone agrees to it in writing, I did not consent to have my case heard in a XXXX XXXX outside of the city in which I reside. On Tuesday, XX/XX/2022, I contacted all parties concerned to inform them that I would be filing this complaint in 13 days should we fail to reach a resolution in this matter, the law firms were contacted by both Email and the United States Postal Service, Certified Mail, that effort was not successful leaving me with no option other than to file this complaint. The Gurstel Law Firm, PC is currently taking more than 25 % of my disposable income, with an order from a XXXX XXXX stamped by a Justice of the Peace that I was not provided the opportunity to contest. They used 40 hours as a base, due to the pandemic, my hours have been cut due to lack of work, yet they are still taking 25 % of my pay based on a 40-hour work week. . This has created a financial hardship for my family.
10/12/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85015
Web
In response to CFPB complaint # XXXX, My name is XXXX XXXX XXXX XXXX a federally protected consumer, and after receiving the documentation requested from law firm/debt collector Gurstel Law Firm , P.C . pertaining to an alleged debt, supposedly owed to XXXX XXXXXXXX XXXX XXXX. The facts are as stated ; Gurstel Law Firm , P.C . has failed to provide competent evidence that I have any legal obligation to pay the alleged debt. In the letter ( see Exhibit A ) from Gurstel Law Firm , P.C . dated XX/XX/XXXX, Gurstel Law Firm , P.C . by XXXX XXXX ( # XXXX ) stated, Enclosed please find verification of the above-reference file. In the Debt Validation Letter sent to Gurstel Law Firm, P.C., I expressed that is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Gurstel Law Firm , P.C . provided a pile of statements and a standardized customer agreement as proof of verification. As per the judgment in Pacific Concrete Federal C.U. v. Kauanoe, statements as well as the consumer agreement are not sufficient evidence of a debt. Furthermore, the creditor ( XXXX XXXX XXXX XXXX. ) reported it as a Charge Off which means that the creditor will no longer attempt to collect the alleged debt owed by them. In the original CFPB complaint # XXXX ( see Exhibit B ), under Companys Response, Gurstel Law Firm , P.C . stated, 1. The Firm represents Plaintiff XXXX XXXXXXXX XXXX ( XXXX ), XXXX. ( XXXX ), in the collection of the credit card account ending in last four digits XXXX ( Account ). The Account was opened with the Bank on XX/XX/XXXX and was charged-off for non-payment on or about XX/XX/XXXX, with a balance owing of {$5800.00} The Bank is the original creditor, and continues to own the Account. The Firms file number for the Account is XXXX. Gurstel Law Firm , P.C . didnt provide any competent evidence that the creditor continues to own the Account, nor that Gurstel Law Firm , P.C . has the authority to collect the alleged debt. I am aware that all charge-offs are sold to a securitized trust ( FAS 140 ) and what remains on the transaction is an empty Account. For a creditor to have any legal standing they must repurchase the debt. They can not collect what they do not own and still proceed to collect on it, let alone illegally place an Account with a third party to attempt to collect. This is misleading and deceptive which violates Federal and State Laws. Lastly, once the alleged loan goes into default and is assigned to a debt collector, the effective law changes. The FDCPA is now the law under which action is governed. Once under the conditions of the FDCPA, debt collectors have no legal right to ply the legal remedies owed only to creditors who make loans, including notices of default, assignments to servicers, substitutions of trustees, etc. I hereby demand for Gurstel Law Firm , P.C . discharge the matter accordingly. If Gurstel Law Firm , P.C . continues its collection efforts, I will file for litigation for actual damages caused and will be held criminally liable for Aggravated Identity Theft pursuant to 18 U.S.C. 1028A, extortion, theft by deception, securities fraud, and mail fraud. You are hereby notified upon the receipt of this notice. Sincerely, XXXX : XXXX
05/06/2020 Yes
  • Debt collection
  • Private student loan debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AZ
  • 85042
Web
I have some student loan debt that was recovered by Gurstel Law Firm several years ago. I had a large amount of debt and was unable for several years, pay the amount that was being asked of me. Once I was served paperwork by the court, a payment arrangement was set up to avoid having a default judgement entered against me and my grandmother ( cosigner ). These payments started XX/XX/XXXX. The first few months of payments were smaller amounts but eventually, I settled into paying {$320.00} per month for 3 separate accounts ( for a total of {$970.00} ). This arrangement was to last until the total amount was paid in full and to be taken out automatically. Up until XX/XX/XXXX, not a single payment had been missed and I had put a significant dent in the balance owed. When reviewing tax information XX/XX/XXXX, I realized that only 2 of the payments ( {$650.00} ) were being withdrawn. I called immediately letting them know that I just noticed it and asked for the reason the payment stopped since other two continued. I spoke to a collection representative named XXXX who told me that there was negative action taken against me. He asked if I could make a payment ( which I did ) and he would check to see if the arrangement could be set back up. XXXX called me back and said the " attorney '' said that we could resume the payments. In XX/XX/XXXX, two payments of {$320.00} were made so that I could continue to the arrangement. XXXX assure me that there was nothing negative against my account telling me that everything was " all good. '' Come to find out, XX/XX/XXXX when my grandmother tried to borrow against her mortgage for some repairs to her older home, there's a lien against her property for the full remaining balance of {$22000.00} or so. When I called an asked, I was told by XXXX that a lien was filed because " I didn't make a payment '' for several months. I explained the situation to XXXX and he agreed that this was a tricky situation and asked that I speak to an attorney. XXXX could not tell me why the payment was stopped but says that it must have been some sort of clerical error. Several voicemails were left until finally XXXX ( attorney ) calls me back. The attorney tells me nothing different that what XXXX said. Doesn't say that the payments were stopped due to my error but doesn't own up to anything. Just keeps repeating to me a payment wasn't received so they sent a letter and filed the judgement. Says the only way the lien can be removed is to pay the full balance which at that time was being quoted as {$22000.00}. She claims that there was no lien on my grandmother 's house because the lien was field against me. Because I am not on her title, their should be no lien on her house. I sent the attorney proof of the lien to her email. Today, XXXX called me asking if I still wanted to keep my payment arrangements because the lender was going to pay within a month the {$3500.00} something dollars that the lien was placed for. I question him about why the lien is still showing and why the amount keeps changing. XXXX, much like the attorney, continue to not know what the other has said. No one in the company knows what's going on. No one can tell me why the payments were stopped. They keep saying there's no lien on her house but asking for payment to remove the lien on her home.
01/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AZ
  • 85379
Web
I used to bank with XXXX XXXX XXXX. In the spring of 2019 I started noticing a lot of charges that were from places I frequented but not in the amounts or the actual dates I used these establishments. It seemed there were several additional XXXX XXXX, XXXX and XXXX charges in addition to the ones I knew I made myself. Soon after, in XXXX of 2019 I noticed a bunch of repeated payments for {$300.00} a piece going to a " XXXX XXXX '' through a XXXX XXXX called " XXXX XXXX ''. I never used this app nor did I know who XXXX XXXX was. After some sleuthing, I found out she was many times my XXXX driver, or rather, the passenger riding along with the man who was delivering my XXXX and XXXX XXXX orders. I recalled a time they asked my ex husband to walk down and get the food out of the trunk of the car, and XXXX was aiming a black box with a handle at him. Later I discovered this was likely a forgery device and she had been twice charged for crimes of this nature very recent to this situation. I shut off the card obviously, and then they actually returned that day banging on my door shouting " XXXX XXXX! '' pretending to be workers for XXXX. The man, whose name I don't know, and XXXX would not give to me, had the black box and aimed it at my purse on the end table by the door pretending to be looking inside checking our electricity. So they got me twice.Of course I filed a police report with XXXX Police and got a new debit card. Soon after, a gas card started debiting my account over and over again and now, on XXXX XXXX, I was served a summons by a woman who barged her way into my home past my XXXX year old daughter as she was getting XXXX packages at the door. She served me while I stood there in my underwear. I told her about the police report. She told me to call the Gurstel Law Firm and tell them. I have called and left numerous messages for them, I have emailed them, I have attempted to file an answer on the link they provide in the summons but that link is a bad link that doesn't pull up any page whatsoever. I just get an error. They have this suit filed in my name here in XXXX County and I have no way to answer or communicate with them. I contacted XXXX who apologized. XXXX in the fraud department told me that if I dispute this item then Gurstel hopefully will kick it back to them so they can access the file and handle it properly. He told me that while they marked my checking account as fraud, they did not do the same for the credit card. So they needed Gurstel to give them the file back so they could then adjust what they have in the file to reflect the card also was fraud, not just the checking account. Gurstel is totally uncooperative however, even after sending my police report through the credit bureaus, they'll deem this account as mine however refuse to communicate with me at all. I feel like this law firm needs to be investigated. They don't really care what the truth is, they just want the creditor to pay them so they go through all these theatrical motions to show they're really trying to do their job with minimal cost to themselves. Slapping me with a summons that includes a broken link where I am supposed to file my answer, then refusing all communication with me, is not only slimy it is against my legal rights.
06/05/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MN
  • 562XX
Web
On XX/XX/XXXX I accessed my payroll for XX/XX/XXXX ( appears on self service the weekend before it is paid out ) and noticed a garnishment appeared on my check in the amount of {$470.00}, I contacted the payroll department and they told me to contact Gurstel law Firm. On XX/XX/XXXX I called and spoke with XXXX, he stated there was a judgment from XX/XX/XXXX from XXXX XXXX, I asked what it was for, he could not answer that, I asked why I was never notified and he said in XX/XX/XXXX they mailed out the intent to collect a debt, he stated it was mailed to a XXXX address and they had my maiden name on the file ( I had lived there 22 years ago ). I informed him I had no knowledge of this debt and I had just applied for a mortgage and nothing appeared on my detailed credit report, he told me I had to pay it or state it was fraud, I told him it was fraud and gave him my current address ( XXXX XXXX ) and he said he would mail paperwork. On XX/XX/XXXX I called them back ( XXXX ) and spoke with XXXX, and told her I still had received nothing from them, she stated there was nothing in the file and she was unable to validate the debt. She stated she would do some research as there was nothing in the system to validate the debt and call me back. On XX/XX/XXXX I again review my paycheck to see if anyone had cleared this up and a garnishment of {$470.00} was again deducted from my payroll. On XX/XX/XXXX I met with The attorney who helps XXXX XXXX with legal issues ( my husband is currently a XXXX XXXX receiving XXXX at XXXX XXXX XXXX and XXXX XXXX ), she was going to review the case and see if she could help us out, but she recommended I call again. So on XX/XX/XXXX I called and spoke with XXXX who stated he saw that I requested information and Id have to wait for it, I again explained that I have never received anything ( no communication what so ever before the garnishment ) he asked me to verify my address and I did, he then stated that all the communications and documents had been mailed to the XXXX XXXX address, I told him that I changed my address on my 1st call, but he argued that they had always had the XXXX XXXX address. I asked him to please put a hold on the garnishment until this can be resolved, he then asked me if I needed anything else because he gave me all the information he was going to. I requested to speak with an attorney for the firm, he said they were busy but would send me to the voicemail of XXXX ( an attorney ), I left a detailed message for XXXX but did not receive any communication back. I am in the process of refinancing my home due to my husbands illness and inability to work, this has caused a delay and increased our hardships. I have asked that they stop the garnishment and if the debt proved to be validated I would take care of it without payroll garnishment but NO one can tell me what I purchased, where I purchased it, when I purchased it just that it was XXXX XXXX, just that they they are collecting {$3100.00}. I was Never notified, never contacted, never given to option to ask questions, never allowed to respond, they just started taking my money, and they tell me its perfectly legal- and they will continue. I need to know how this is legal?
03/16/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 850XX
Web
I have an old credit card debt now owned by XXXX XXXX XXXX. They have placed the debt with a debt collection law practice called Gurstel Law Firm. On XX/XX/2022, I called XXXX who referred me to Gurstel. I called Gurstel and I spoke to a representative named XXXX XXXX, who said it was unclear whether they were still retained and to call back the next day. On XX/XX/2022 ( a Friday ), I called XXXX XXXX again at Gurstel, who told me the same thing and to try again Monday or Tuesday, but that if it were Tuesday, he'd be out of the office for a period of time and so to speak to any other rep. On XX/XX/2022, I called five times but no one ever answered at any number I was able to find for Gurstel. On XX/XX/2022, I spoke to another representative at Gurstel, and started the process to make payment arrangements on this account. The representative falsely told me that as part of this process they were required -- REQUIRED -- by the State of Arizona to charge interest ( false statement 1 ). When I said -- and this call was recorded, as all calls to Gurstel are -- that no, charging interest was optional, and they didn't " have '' to, he repeated the statement ( false statement 2 ). When I stated then that they would be charging the full 10 % interest that the State of Arizona allows to be collected on debtor judgments, he said, no, he couldn't tell me what the interest would be, but that it might be 4 or 5 % ( again, falsely stating the facts : If the State of Arizona mandated they charge interest, that rate would be fixed by statute. ) This call lasted XXXX minutes, originating at XXXX XXXX from my personal mobile device. DESPITE my reservations about having been lied to, I still went ahead and set up an agreement to pay off this debt, including providing my account numbers and setting up payments to wipe out this debt in 24 months with no reduction or settlement ( and including the " mandated '' interest. ) This representative said they would be sending out a Note and Confession of Judgment ( not his words, but in fact, if not specification ) and to return them immediately. Again, despite my reservations, I agreed. Today -- XX/XX/2022 -- I received a letter dated XX/XX/XXXX from Gurstel Law Firm informing me they had NOT received the Note & Confession requiring me to sign the Note & Confession and return it to them within 7 days. This is now where I draw the line : They're setting me up to sue me because I " violated my agreement. '' I spoke to the representative ON THE TENTH. The earliest the Note & Confession could have been postmarked would've been the ELEVENTH. They're giving me 7 days to sign and return something I HAVE NOT EVEN RECEIVED YET ( assuming they even sent it. ) EVEN if it arrived tomorrow, the XXXX, -- and I doubt it will because I don't think the Note & Confession are even in the mail yet -- the EARLIEST they could POSSIBLY receive it would be Friday the XXXX, and there's probably a very good chance they wouldn't until their arbitrary and unnecessary -- they already have my account information to process payments! -- deadline had passed. Factoring this absurd manipulation into their repeated violations of the FDCPA
01/12/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92504
Web
XX/XX/XXXX I was served a summons from XXXX XXXX, XXXX. The demanded amount was {$7.00}, XXXX. XXXX file # XXXX On XX/XX/XXXX I called the number on the summons which is XXXX XXXX XXXX located The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Phone number XXXX I spoke to XXXX XXXX extension # XXXX I asked questions about my summons and came to agreement on a settlement balance of {$5000.00}. XXXXXXXX XXXX XXXX proceeded to send me a stipulation agreement for the first year to pay {$25.00} a month and then the following year {$75.00} a month. I have been making payments ever since XX/XX/XXXX to present and never have been late. The payoff date stated in the stipulation agreement is on or before XX/XX/XXXX XXXX From XX/XX/XXXX to XX/XX/XXXX I have made payments in a total of {$2600.00} and the amount left owed is {$2300.00} from the stipulated settlement agreement of {$5000.00}. On XX/XX/XXXX I received a letter from Gurstel law firm pc located XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, MN XXXX. The letter stating I owe a debt in the amount of {$4.00}, XXXX with a reference number of XXXX I was confused and had no idea who the collector or debt was. I sent back a letter for verification of the debt. The letter was sent certified on XX/XX/XXXX I also emailed Gurstel Law firm to verify the debt. On XX/XX/XXXX I received a letter from Gurstel Law firm. Letter stated original creditor which is XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I called XXXX XXXX XXXX, the original debt collector I was paying that I had a stipulated agreement of a settlement balance of {$5000.00} to ask them what is going on with my account. Why I never received a payment statement from XX/XX/XXXX and XX/XX/XXXX. Also to let them know Gurstel Law Firm was trying to collect from me on the same account. The debt collector I spoke to, XXXX XXXX. I spoke to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX around XXXXXXXX XXXX She said that XXXX XXXX XXXX no longer has my account that Gurstel had it and to call the number on the statement. I called Gurstel Law firm the same day XX/XX/XXXX. The operator that answered was XXXX XXXX. XXXX XXXX explained to me that Gurstel bought out XXXX XXXX XXXX. I was very confused on why I was never notified of the change and received a new debt collection letter with a higher amount than I owed. XXXX XXXX XXXX never notified me of this change and has broken the stipulation agreement. XXXX XXXX XXXX and Gurstel law group has falsely claimed the wrong balance on the total amount owed of the stipulated account settlement of {$5000.00}. I have copies of all payments made from XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX that they no longer Have my account and it was given back to XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX and Gurstel Law group are both pending license application, and could not provide me with a license number when I sent the letter of verification of debt. They have failed to provide me with accurate information on my account balance. XXXX XXXX XXXX and Gurstel law group failed to inform me of them breaking the stipulated agreement and change of collection. Both also trying to collect more money than I owed.
03/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29016
Web Servicemember
To Whom It May Concern : Id like to make a formal complaint against XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX and Gurstel Law Firm, P.C., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, UT XXXX. On XX/XX/XXXX, I was contacted by XXXX XXXX regarding a business loan that defaulted in XXXX. The business loan was under the business name of XXXX XXXX, XXXX. The transaction was conducted between XXXX XXXX and XXXX dba XXXX XXXXXXXX. After doing some research, I was able to find that XXXX XXXX purchased a bulk amount of defaulted loans from XXXX XXXXXXXX. On XX/XX/XXXX I was contacted by Gurstel Law Firm regarding the same debt stating that I owed the debt as a personal guarantor. The debt was also placed on my personal credit reports at that time. Shortly thereafter, I disputed the information on my credit reports as this debt is not personal nor was it defaulted on in XXXX as they so made it appear. The results were not favorable as each agency relied on what XXXX XXXX provided. I disputed my credit report again in XX/XX/XXXX and provided evidence of the above and the credit agencies again failed to remove the inaccurate information from my reports. On XX/XX/XXXX I was served at my home by an unidentified man with court papers from the state of Utah. XXXX XXXX is filing suit against me in Utah and not South Carolina under a XXXX & XXXX clause that is listed in the business agreement. However, the original business agreement was signed between XXXX XXXX and XXXX XXXX, not XXXX XXXX. XXXX XXXX was not involved in the transaction and purchased the debt in XXXX from XXXX XXXXXXXX. No business relationship exists between XXXX XXXX and XXXX XXXX nor does a personal relationship exist between XXXX XXXX and XXXX XXXX. I believe that XXXX XXXX and Gurstel Law Firm are practicing unlawfully due to the following : 1. XXXX XXXX is representing that they are the original debtor. They are not. 2. XXXX XXXX is representing that this debt defaulted in XXXX whereas it defaulted in XXXX. 3. It has been seven years since the debt defaulted, so this should not be reported on any credit report, business or personal. 4. XXXX XXXX is pursuing this as a personal debt whereas it is a business debt. 5. XXXX XXXX XXXX is a Limited Liability Company and is responsible for its own debts. 6. As per XXXX XXXX Articles of Organization, the members are not liable for the companys debts or obligations. 7. The application for the XXXX XXXXXXXX loan, dated XX/XX/XXXX, was applied for using the business name as it was for business equipment. 8. The Business Loan Agreement, dated XX/XX/XXXX, is between lender ( XXXX XXXX ) and XXXX XXXX XXXX ; the debt buyer has this listed on my personal credit report as an individual debt, which it is not. 9. Pursuant to South Carolina law, the statute of limitations has passed for XXXX XXXX to seek judgment or civil suit against XXXX XXXX, let alone XXXX XXXX ; the law states three years after the loan defaulted. The loan defaulted in XXXX. XXXX XXXXXXXX had until XXXX to pursue legal action. XXXX XXXX XXXX
02/14/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • UT
  • 84720
Web Older American, Servicemember
In a previous complaint : XXXX Gurstel Law Firm P.C., On XX/XX/XXXX, 2020. filed an erroneous " Company 's Response '' to the CFPB. Containing a misleading statement and supported that criminal act of perjury with a fraudulently altered document. 1 - Statement : Verse 7 : Reads " The complainant is encouraged to send the executed stipulation and the first monthly payment of XXXX to the firm on or before Friday, XXXX XXXX, 2020 ''. ( See attached file : Response ) 2 - The Falsified Stipulation that was uploaded to support this claim States : Verse 4A : " Monthly payments of {$310.00} beginning on or before XXXX XXXX, 2020 " ( See attached files CFPB pg 1 and 2 ) 3 - Two days later. On XX/XX/ 2020. Gurstel Law Firm submitted to the Utah Court, a different version from that which it provided to the CFPB. Which states : Verse 4A : " Monthly payments of {$410.00} beginning on or before XX/XX/ 2020 " ( See attached files : Utah Court pg 1 and pg 2 ) 4 - XX/XX/XXXX vs XX/XX/XXXX 5 - These criminal acts were committed with the intent to hide the truthful Amended Stipulation, submitted to the Utah Court. Which is " Incapable of Performance ''. Intentionally created with an expired " Beginning Payment Due Date in an attempt to Defraud the Defendant of {$4100.00}. 6 - The intended Scam is to prevent the Defendant from being in compliance with the stipulation. Then force the Utah State Court to change the amount from {$7500.00} to {$11000.00} due to noncompliance. The difference being {$4100.00} 7 - {$11000.00} is the payment amount listed in the original stipulation that the complaint was about. Gurstel Law excused it as a company error. Evidence of yet. Another lie. 8 - In a statement from Gurstel Law Office. Lawyer XXXX XXXX XXXX, Utah State Bar ( XXXX ). Too ridiculous to explain. Please read his statement and argument to the court as an excuse for the fraudulent statement and altered document. ( Court Doc pg 1, 2, 3 ) 9 - In this statement. He lists Gurstel 's Compliance Attorney as the person who committed the actual crimes of perjury and falsifying the document. Her, ( no name given ) superior officer, The Compliance Officer, is XXXX XXXX. The CEO of Gurstel Law Firm. 10 - Then in closing arguments. The Plaintiff, XXXX XXXX XXXX is implicated as being a co-conspirator in this Scam. 11 - After the first complaint. I received a call on XX/XX/2020 from XXXX XXXX. A representative of XXXX XXXX XXXX The phone number on my caller ID is : # XXXX. She may be the co-conspirator link for XXXX XXXX XXXX. As referenced by Mr. XXXX XXXX XXXX. Attorney for the Gurstel Law Firm P.C. Please Investigate the criminal acts. Committed towards your own Agency. Thank You XXXX XXXX
12/10/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AZ
  • 85286
Web Servicemember
Gurstel Law Firm began threatening litigation with intimidation tactics. They are acting as predatory vultures ; these tactics are event of standard modus of operandi aggressively ligating citizens, veterans, and seniors. 1. My identity was stolen verified and confirmed from several institutions. 2. Use of intimidation when they came to my house. 3. Im a veteran of the United States XXXX, I will not be threatened or intimidated. 4. Extortion threatening litigation with examples of their known tactics using the court system! Several class action lawsuits have been filed, settled or pending against Gerstel Law firm. See below examples of a history of aggression against litigants and veterans : XXXX v. GURSTEL CHARGO, PA A district court is required to consider four factors in making a final determination that a settlement is fair, reasonable, and adequate : ( 1 ) the merits of the plaintiff 's case, weighed against the terms of the settlement ; ( 2 ) the defendant 's financial condition ; ( 3 ) the complexity and expense of further litigation ; and ( 4 ) the amount of opposition to the settlement. In re XXXX XXXX. XXXX. Cost Recovery Fees Litig., XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). A court may also consider procedural fairness to ensure the settlement is " not the product of fraud or collusion. '' Gurstel Law Firm , P.C . and XXXX XXXX I, XXXX are the defendants in a proposed class action accusing the XXXX defendants of unlawful debt collection practices. Federal lawsuit alleges that collection law firm Gurstel Chargo told XXXX veteran that he should have died. By XXXX XXXX on XX/XX/XXXX A Minnesota-based collection law firm, Gurstel Chargo, is in the news after allegedly making some incredibly insensitive and offensive remarks to XXXX XXXX, a XXXX military veteran. According to a lawsuit filed in U.S. District Court in Arizona, Gurstel Chargo garnished the bank account of XXXX wife. The lawsuit alleges that the garnishment froze the veterans benefits that XXXX wife received as a result of XXXX XXXX, which a judge later ruled were exempt from Gurstels garnishment. But according to the lawsuit, when XXXX called Gurstel to get the money back, an unidentified legal assistant allegedly told him that he would have to sue in order to get the funds back. When XXXX tried to explain that the funds were exempt veteran XXXX payments, the lawsuit alleges that the legal assistant told him F you! Pay us your money! You cant afford an attorney. You owe us. I hope your wife divorces youre a. If you would have served our country better you would not be a XXXX veteran living off social security while the rest of us honest Americans work our a- off. Too bad ; you should have died!
08/31/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MN
  • 55119
Web Servicemember
I received a notice of garnishment of wages from Gurstel Law Firm. There is no information regarding the alleged amount, nothing stating they are a debt collector or that it was an attempt to collect a debt. The documents presented appear to be a court matter in the state of Minnesota but when I looked into it, there is no case in XXXX County or any other court in Minnesota. I have asked them twice to validate the debt and disclose the alleged amount owed. I do not even know what the alleged debt is for. I have written to them twice ( XX/XX/XXXX andXX/XX/XXXX) requesting the debt be validated and the amount be disclosed and they still have not done that. They have violated the FDCPA in the following ways : 1. Provide proof of the alleged debt, including all original contracts, agreements, promissory notes, amounts due, amounts paid, interest, fees, charges or incidental expenses allowed within the original contract, or in what state that debt is owed ; 2. Provide the amount allegedly due on the alleged debt, along with an itemized statement of the original amount owed, paid, interest, fees, charges or incidental expenses allowed within the original contract which created the alleged debt or that is permitted by law ; 3. Provide proof that there is in fact a judgment against me in any state in the continental United States of America ; 4. Provide proof that there is in fact a judgment or that a case has been docketed in XXXX County or any other county in the State of Minnesota ; 5. Provide original documentation of the alleged debt, including original signed contracts, agreements, promissory notes and the like ; 6. Their correspondence failed to state that they are a collection agency licensed by the Minnesota Department of Commerce [ MN Statute 332.37 ( 21 ) ] ; and 7. Provide sufficient, clear language in your letter regarding this alleged debt, the suit, the garnishment process and the amount allegedly owed. Their offices have falsely represented to me that the documents they provided to me are a legal process or have a legal case docketed in XXXX County in the State of Minnesota. Their company simply wrote a second letter which I received Friday, XXXX XXXX 2017 stating they would like my attorney 's name and contact information and I had ten days to respond. I had told them I spoke with my attorney i did not say I retained his help in this matter in my correspondences. They still did not validate the debt, provide any information about the debt, disclose they are a debt collector or the alleged amount I supposedly owe them.
04/15/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MN
  • 55126
Web
On XX/XX/2019 I received notice from my employer that my wages were to be garnished for the amount of {$1400.00}. With case number XXXX XXXX. The amount was garnished and I thought that everything was done. On XX/XX/XXXX I receive another letter from my employer for the garnishment of my wages for the amount of {$1500.00} for the same case number. I called XXXX XXXX firm on XX/XX/2019 at XXXX am and after giving my name address and case information I was transferred to Representative XXXX XXXX XXXX direct line number XXXX ). I asked him about the situation and he told me that they had not received the funds from my employer and until they get a check the situation would not change. He said I could pay the {$1500.00} in certified funds now and they could not collect more than what they are owed. I asked him what address there were sending their correspondence to and he told me and old address from XXXX plus years ago. I gave him current address which he entered into the system. I asked him what address was on the court documents he responded with my my current address I asked him again which address was used and he said my current address. I said he was lying and asked to speak to a XXXX. I was transferred to XXXX XXXX XXXX XXXX XXXX direct line XXXX ) I told him about the agent and how he lied to me. I asked him why the same debt was being collected twice. I was told that my employer had not paid the garnished amount to XXXX XXXX firm. He told me to contact my employer and he would contact his admin. I called my employer and was told they use a third party company XXXX for wage garnishment. I called ADP and asked why the debt was not paid. I was told they could not release the funds to XXXX law firm until they received a " XXXX to XXXX Funds '' form. I was also told they could not do anything about the second Wage garnishment request until they received a " Wage XXXX XXXX '' form. I called XXXX XXXX and informed him of the information I received from ADP. He said he would talk to his admin and see what happened. I will be calling again tomorrow. My concerns are they are either incompetent in requesting funds or are trying to allow the interest to accrue so they can collect more money. This is a loophole that puts me and others at great risk. If they are cheating the system by refusing to accept the payment until more interest accrues and resubmitting garnishments they could be cheating people out of thousands of dollars. And if it is incompetence they should be responsible for the cost of it.
05/14/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85304
Web
Hello, I have been attempting to work with XXXX XXXX XXXX to resolve a collection issue I unfortunately have encountered. In attempting to resolve this after understanding the where the dept fell, I contacted XXXX to resolve the dept since in have not received any information via mail or phone. XXXX informed me that even though they still own the dept and they are showing up on my credit report that they have turned the dept over to a law firm. The law firm that it has been turned over to is Gurstele Law firm in XXXX AZ. I was able to attain the phone number of the law firm after XXXX told me they would not be able handle taking care of the dept even though it still under their name on the credit report. I have attempted to call Gurstele over the past 3 weeks to see about resolving this issue and have received a voice mail in which I have left a messages with my number to call me back. I have never received a call back from this firm nor have received any correspondence via mail, email, or any contact. That said, I called XXXX back and spoke to their legal department on XX/XX/XXXX explaining the difficulty in working with the agent they have designated to help resolve credit issues. They were responsive mentioning that they would contact a manager or attorney at Gurstele to contact me so we can attempt resolution. No response from Gurstele on XX/XX/XXXX so I called XXXX back at XXXX on XX/XX/XXXX to speak to the legal department again to get a name of a the manager at Gurstele and I would be happy to contact them directly. I was directed to a XXXX who is supposedly a Sr. Manager there and I called direct to him where I received his voicmail at XXXX XXXX to tell me his voice mail was full so I was not able to leave a message to get a call back. My compliant is this ... .I have demanded to get validation of this dept and come up with a solution to resolve this dept. I have NEVER had any validation nor ANY possibilities presented to me to resolve this until I found this on my credit report when looking into something needed in my life ... ..How is this possible? I have not received a phone call nor any correspondence. This is seemingly is a pattern that there is a extreme lack of communication by both of these companies that would allow for a consumer to resolve their issue as unfortunate at is may be. I ask for action to resolve this. Thank you for your consideration as a consumer to get through this! XXXX XXXX
06/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AZ
  • 853XX
Web
Gurstel Law Firm , P.C . continues to seek default judgement on me over a debt I have tried to verify by sending two different debt verification letters via certified mail. They first told me debt was for XXXX XXXX, then they said it was for XXXX XXXX. Im not sure who owns the debt. All they sent me was an affidavit of fraud forms to fill out. When I received those forms asking me for police reports, questions about who I thought stole my identity, I had no idea what they were talking about. Ive never had my identity stolen in my entire life. I called XXXX and asked them to let me know why they sent those forms. They couldnt explain why. They said I owed {$1300.00}. I was preparing for two major back surgeries and wanted to get this issue settled because they served me with legal documents at my house prior to my surgery. I had a XXXX XXXX XXXX left lateral interbody fusion on XX/XX/2023. I had a XXXX XXXX the next day on mayXX/XX/2023 which was XXXX XXXXXXXX XXXX XXXX DXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and he also worked on my XXXX.. My Surgeon was XXXX XXXX and it was at XXXX XXXX XXXX XXXX XXXX I was there for over a week. I called XXXXXXXX XXXX and talked to a XXXX XXXX and a man named XXXX at XXXX on XX/XX/XXXX or there about after I received a just a letter from them. Not that it matters but both of them were disrespectful to me on the phone. I have not worked for almost two years as I am in the middled of my XXXX claim. I have a lawyer helping me. I explained all of this to XXXX. My sister actually went to her XXXX XXXX and borrowed {$800.00} for me to pay them just so they would leave me alone. I offered them the {$800.00} cash that day and they refused. I called them a couple more times but they would not accept the {$800.00}. I then used that money to pay off my XXXX card and my hospital bill. They accepted much less than I owed due to my health situation and not working for so long. Now XXXX is back sending me letters about getting a default judgement against me when they still have not verified the debt as required by law. I own my condo that is in a retirement community and dont have the health or energy to keep being bothered with them. Attached are the letters they sent me in response to my request for verification letters, also the court papers they sent. Thank you. I appreciate it if you are able to help me.
02/14/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MN
  • 55117
Web
XX/XX/XXXX, I entered an agreement with Gurstel Ghargo, PA in Minnesota following a stipulation and Confession of Judgement dated XX/XX/XXXX. I was supposed to make XXXX payments total of XXXX each and I made the payments religiously until the last two payments when the creditors contacted us to say that they have severed relationship with Gurstel Chargo and we should send subsequent payments to another collection agency, XXXX XXXX XXXX. They gave us the new information. I completed the remaining two payments with XXXX XXXX XXXX XX/XX/XXXX. To my greatest dismay, Gurstel Ghargo filed a judgement again me in XXXX County District Court on XX/XX/XXXX, claiming that I did not complete payment. I immediately responded with evidence of having paid the account in full, which I sent via certified mail. They received it because I received confirmation to that effect. Not hearing from them after sending the documents, I followed with several phone calls that they never returned. Now the judgement is still effective and all attempts to reach Gurstel Chargo to withdraw the judgement have failed. It may interest you to know also that whenever I called and gave them the last XXXX digits of my social, another person 's name pops up. At one time, they said that the account did not exist and transferred me to a voice message that never got back to me. I have had several problems with this agency. When XXXX XXXX XXXX severed relationship with them, I was told that it was due to some inappropriate business practices. I also feel that they are trying to stick someone else 's debt on me but it backfired due to their negligence and lack of organization. It may also very well be a malicious act on their part. What is even more upsetting is that they file frivolous lawsuits to get people to succumb due to lack of representation or resources. They also never send any notice of any filing or notice of summon, and just surprise people with a judgement against them. They have tried to remove funds from my account at one time, claiming that my husband owed them and that too backfired, because they could not prove that my husband was on the account, and they tried as much as possible to transfer whatever they are claiming he owes them to me. This is a constant harassment from this agency and I crave your indulgence in this matter. I need justice! Thank you.
04/29/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • NE
  • 685XX
Web
Gurstel Chargo has committed numerous FDCPA violations related to a dunning letter sent to consumer dated XXXX XXXX, 2015. In the letterhead of the 'dunning ' letter Gurstel Chargo claims to have offices located in Nebraska . Checking with the Secretary of State 's Office, no licensed collection agency by that name exists. Furthermore, the letterhead represents Attorneys at Law but has a 'disclaimer ' in the body of the letter that states : " At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. '' - If an agency incorporates the use of form collection demands on attorney letterhead the agency MUST incorporate " meaningful attorney involvement '', into its collection process. 15 U.S.C. Section 1692e. These are just a few violations regarding a dunning letter sent to consumer dated XXXX XXXX, 2015. Consumer will file a federal and state lawsuit against Gurstel Chargo for violations of the FDCPA, FCRA and TCPA if Gurstel Chargo continues to contact consumer by mail and/or telephone after receipt of dispute notification. Consumer wishes Gurstel Chargo to 'cease ' all contact with consumer as consumer does not owe a debt to Gurstel Chargo . Consumer has no fiduciary, contractual obligation to pay Gurstel Chargo anything. There is no payment history, nor products, or services that have been rendered to Gurstel Chargo, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of -household and possesses no property of value. Consumer 's federally protected income presents a 'genuine issue of material fact ', that will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will 'tender ' as evidence in a court proceeding if Gurstel Chargo pursues this matter. Consumer refuses to be a victim of 'unjust enrichment ' or extortion. Consumer thanks CFPB for providing this venue as documentation.
09/12/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • XXXXX
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Im requesting to receive a termination letter/ release letter of all levys removed immediately. Especially the lien from the house in XXXX XXXX CA XXXX! My name is XXXX XXXX. I strongly feel this is a mistake error, it is unfortunate that there is a Social Security attached ending in # XXXX. This Abstract issued date XXXX XXXX. I spoke on XX/XX/XXXX ( time started still waiting for all the information ) & XX/XX/XXXX with XXXX XXXX representing Gurstel Law Firm. I request, & By law is my right to receive a copy of the original contract. & There is none. Proving information with a signature that shows I owe, if any of this debt. I need proof of ownership, payment historys anything & everything on this is. ( as asked for many times ) office has 30 days from XX/XX/XXXX to comply & give me all this information. you must delete this mistaken debt ASAP. I also need all the creditors/Law Groups that have been involved in this court case # XXXX. Information needed is, complete legal names and address, contact information emails and numbers.. Companys License Permit Bonds which are required by law or ordinance to be engage in business as a collection agency. Information will be used to do a background check on all law firms & license numbers to confirm all legality through the state of California and Attorney General. I would like the complete information on Gurstel Law Group, XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX to verify on our behalf as well. Copy of Proof of Service form XXXX I also have no clue or recollection on how or why the court house in XXXX Civil Process would even comply to a judgment on XX/XX/XXXX.! I the Defendant was never served or notified that 10 hours away from my home & was supposed to be in a courthouse. in LA. I live in XXXX XXXX XXXX. In Learning about this false XXXX from XXXX? I was never serviced : on this claim, & not given the at least 15 days before the court date. I feel There is so many laws Where this XXXX is being broken through Law FCRA, FDCPA & HIPPA. I supposedly have this against me because I owe XXXX XXXX XXXX & thats not true I have paper work from XXXX XXXX Bank saying I DONT owe them any money.
07/27/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • XXXXX
Web
++++++++++++++ ATTENSION XXXX XXXX++++++++++++++ XX/XX/2022 around XXXX I called a phone number In response to a letter I received by mail from Gustel Law Firm PC a third party debt collector who is a debt collector. Under the fair debt collection practices act, this is a violation of my consumer rights because pursuant to 15 USC 1692C I never gave prior consent to Gustel Law Firm PC to communicate with me by mail or phone. This is the first of many violations. Gustel Law Firm PC are attempting to collect a Alleged debt from three XXXX XXXX accounts, I have done business with XXXX XXXX in the past but I have never done any business with Gustel Law Firm PC, I do not have a contract with Gustel Law Firm PC. Security based swapping has taken place here between two corporations, this is very illegal pursuant to 15 USC 77q. I was connected to phone Rep XXXX XXXX. I asked if this was a actual law firm? She said yes I asked if attorneys were at this law firm she said yes XXXX also said an attorney has been assigned to my profile by the name of XXXX XXXX. This is violation pursuant 15 USC 1692e No attorney is to be present while attempting to collect a debt. This is very misleading. I asked XXXX if I was to write a check or make a payment who do I write the check to? XXXX says to write it to her law firm. Write the check to her law firm but shes collecting the alleged debt for XXXX XXXX? This is very misleading again. XXXX grew frustrated with my questions and begin to use Profane language towards me by raising her voice, this is a violation pursuant 15 USC 1692 d. I asked for the name of the CEO and XXXX first says the name XXXX then suddenly stops and says she doesnt have to give me that information and refers me to search for his name myself by googling the company. XXXX then says she can transfer me over to speak with an attorney. XXXX places me on hold then comes back and gives me the name of the CEO by the name of XXXX XXXX. This phone call was very stressful and left me depressed ever since. Just knowing Gustel Law Firm PC is trying to swindle money from me. Congress talks about how swindlers can be fined up to {>= $1,000,000} and can be imprisoned up 30 years pursuant to 18 USC 1341
12/17/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • 544XX
Web Servicemember
In XX/XX/XXXX my wife, XXXX XXXX XXXX, and I attended XXXX XXXX XXXX in XXXX XXXX, Missouri.We entered the agreement through fraudulent enticement and coercion as e.g. our letter filed with the XXXX County Courts of Wisconsin on XX/XX/XXXX. Our cases XXXX and XXXX were heard separately. Unfortunately our letter was a day late for my case and I was unable to make an appearance the day of court because of being on the road. The court ruled in favor of the plaintiff for the amount of {$7000.00} plus {$800.00} for costs and disbursements, with the total damages being {$7800.00}. On XX/XX/XXXX XXXX 's case was dismissed. XXXX appeared for her court dates and testified against the XXXX revealing the multiple incidents of XXXX and other forms of harassment we experienced together as we attended XXXX. The school 's attorney didn't deny the accusations, rather chose not to argue and allowed her case to be dismissed. I experienced the same treatment. XXXX and I were seldom apart during our attendance of XXXX XXXX XXXX. My tardy response and inability to appear in court makes me liable to pay the judgement. The Gurstel law firm, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI.XXXX, now represents XXXX as a debt collector. I was informed by a representative from their company that I have paid {$16000.00} to date on the my debt that the judge ruled to be a total of {$7800.00}. I was also informed by the Gurstel firm that the amount I owed is {$10000.00} plus interest of {$9300.00} for a total of {$19000.00}. I just received in the mail a notification of garnishment for the remaining balance of {$3700.00}. This incurs a daily interest of {$1.00}. I may be bias, but this seems absolutely ludicrous. XXXX and their attorneys chose not to argue against my wife 's testimony of fraudulent enticement and harassment and her case was dismissed. Knowing full well that they would collect her amount from me plus another tuition in interest. So, the school is better off treating their students unprofessionally until they leave unsatisfied and traumatized because they will make more money in collections. Unbelievably Violated, XXXX XXXX XXXX
01/14/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • AZ
  • 85138
Web
On XX/XX/XXXX, I was sued in XXXX County, XXXX Superior Court by XXXX via XXXX. I received a judgement and the collection agency that contacted me to collect on XXXX loans was Gurstel Chargo through Attorney XXXX XXXX XXXX, whose phone number is : XXXX and email address is : XXXXXXXXXXXX. Gurstel Chargo 's local address is : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. A payment schedule was agreed upon and I began making payments XX/XX/XXXX. Gurstel Chargo has XXXX file numbers for these loans : XXXX and XXXX. They have a Processing Center at : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX, Fax, ( XXXX ). My complaint is the consistent failure or refusal by XXXX XXXX or the Processing Center to send me periodic payment statements indicating payment history and the amount of interest I have paid on these loans as this information is necessary for tax purposes. I had a conversation XX/XX/XXXX with XXXX XXXX that he agreed verbally to send me a statement every two months. I recently, again requested XXXX XXXX send me a 2016 year-end statement indicating student loan interest paid by leaving a phone message on his voice mail XX/XX/XXXX. He has done nothing since XX/XX/XXXX. I have called the Processing Center on two occasions XX/XX/XXXX requesting a payment history statement and they informed me both times that they do not send out these statements. I have no idea if my payments are being properly recorded or how much I still owe. Also, I have no idea my that payments are being applied to my XXXX loans from XXXX because this is XXXX that have a pool of loans. I never pursued the issue of ownership of XXXX owning my loans from XXXX before a judgement was rendered because of a lack of resources and I was assuming an executorship of a family member 's estate who was XXXX XX/XX/XXXX that made it difficult to get to court to defend myself. Could you please address these matters because I am tired of Gurstel Chargo 's arrogance in their dealings with me. Also, I have filed a complaint on XX/XX/XXXX with the Attorney General 's Office of XXXX. Nothing has been reported by them to date. Thanks, XXXX XXXX.
03/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32780
Web
On XX/XX/XXXX I applied for a mortgage preapproval. On XX/XX/XXXX I heard back from the lender that I had a collections account with XXXX XXXX XXXX in excess of {$11000.00}. This was the result of a Lease ( New ) I obtained in XXXX, that I later had to voluntarily surrender due to job loss. I contacted XXXX XXXX XXXX and spoke with XXXX regarding making a payment, setting up a payment plan, or some other arrangement so that I could obtain a mortgage after having this removed from my credit report or reporting at {$0.00}. XXXX informed me he had to email the attorneys and find out if they can take a payment or set up a plan. After a weeks time, I called again after not hearing back. XXXX sent a 2nd request to the attorneys. I then asked for the attorneys information so i could contact them directly. After several tries, I was able to connect with XXXX XXXX at Gerstel Law Firm who informed me they were sending my file back to XXXX XXXX XXXX so they could work with me directly. I then contacted XXXX who informed me is was no longer able to discuss this with me, so I asked for his supervisor/manager, which then put me in touch with XXXX XXXX At XXXX XXXX XXXX. XXXX informed me he escalated my request and should hear back in a few days. I think left XXXX a message a week later, where he informed me my file was being returned to the attorney. Since then I have called and left messages with XXXX XXXX at Gerstel Law Firm Daily, asking for her to call me so we can set something up to clear this collection from my credit report. I have not heard back once after 8 plus messages over the past week and a half. My credit report was inaccurately updated with the collection initially having a Closed in XXXX Status to now having a Closed in XX/XX/XXXX status. I have gone out of my way to work with both XXXX XXXX XXXX and their Attorneys at Gerstel Law Firm to either settle this debt for a percentage of what was owed, make monthly payments, or pay it in full if that is what they require and have not had one person give me a solid answer or even be willing to work with me toward a resolution.
05/24/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MN
  • 550XX
Web Older American
A credit card I had went to collections and I paid the credit card directly to the credit card company. This happened several years ago. A year ago I received a notice from Gurstel Chargo that I was going to be sued over the debt in XXXX County and they sent me some questions in a legal document. I responded, explaining I had paid the debt and asked them for proof of the debt, as I believed I had completely paid off the debt. I hand delivered the response, so I know they received it. I heard nothing for eleven months. Then I get a letter saying they were asking for summary judgment, since I did n't respond to their request for " interrogatories '', which I had never received. Their interrogatories were to have been answered within 30 days, and if I did n't, the debt was admitted to. They made no attempt to actually show that I owed to the debt. I believe they never even mailed me the interrogatories. This was just a way to avoid to have to prove the debt, a way to avoid the burden of proof of the debt. I answered their letter, explaining just this, saying I thought this was misconduct on part of Gurstel Chargo and requesting summary judgment because of attorney misconduct. I tried to hand deliver this to them, they did n't want to accept this letter, but eventually did. In response, they sent me a letter asking me to send them the settlement papers showing the settlement terms and payment proof when I paid the debt. I once again, sent them a registered letter explaining I had paid the debt directly to the credit card company. Gurstel Chargo has made XXXX attempts to switch the burden of proof of debt to me rather than actually prove the debt. They have had my request to prove the debt for over a year and I have received nothing from them. I believe they never mailed the interrogatories to me in attempt to get an " admission '' without having to prove anything. I think this is probably not the first time they have attempted this. When the paralegal was reading my letter accusing them of such, she did not want to accept the letter and was very upset with it.
06/20/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • MN
  • 55412
Web
I filed Chapter XXXX bankruptcy and it was discharged this year. I alternative student loans what were initially with XXXX and then sold to XXXX XXXX XXXX were current prior to my bankruptcy. They did take payments through my bankruptcy. Now that my bankruptcy has been discharged I received a notice through Gurstel Chargo PA, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I sought my lawyer on this. I told the collection agency/attorney, that they need to provide documentation of the loans. They called me and stated that I these loans are nondischargeble due to they are student loans. I stated I know they are student loans but not Federal Direct loans. I told them they needed to communicate with my attorney. Now, They want me to pay upfront {$8000.00} to settle the account. I have an attorney XXXX MN. I have been working with him to try to work out something. However the collection agency will not seem to budge. I just got out of bankruptcy, There is n't bank out there that would loan me {$8000.00} to pay this off. Not to mention, these loans were bad from the start. You could barely track where they came from etc. They have been harassing my family prior to my attorney stepping in. I have done some research on these loans and they are so impossible to figure out. I dont even know if they have the correct information. The only thing they were able to located were the loan documents and some payment history. Now I dont mind paying on something, but why should I have to pay everything in a huge lumps sum? I cant afford that! That why I went into bankruptcy in the first place, to get myself out of debt, not back into it. Why should these loans even be in a default status?? They should be able to pay from where I left off. Im so frustrated with this. Im sure Im speaking all over the place. Please let me know what I can do or if you can help me with this situation. My name is XXXX XXXX, ( maiden name XXXX ). address is XXXX XXXX XXXX XXXX, XXXX, MN XXXX. My phone is XXXX and my email is XXXXXXXXXXXX Please help!! Sincerely, XXXX XXXX ( XXXX )
08/23/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85382
Web Servicemember
In XX/XX/XXXXI was working for a company and making XXXX a year ; the company folded in the midst of the economy crash and XXXX here in Arizona. I had a couple of credit cards at the time that this happened. I continued to try and pay those cards but eventually I couldn't afford to do that. I stopped making payments and let the cards lay as they may. I had no choice. I didn't want to file bankruptcy but things were aiming that way. When all was said and done I didn't have to file bankruptcy as I only had one company file a judgement against me. I contacted the company several times trying to work out a payment arrangement with them but they chose not too do so. They continued the judgement and somehow got it by default. I was never presented with paperwork or anything until after the fact and then it was too late for me to do anything. The judgement was placed in XX/XX/XXXX. They then sent a statement to my employer for garnishment. They started receiving garnishment in XX/XX/XXXX. Then about 3 months ago I started thinking that I should have paid that amount off by now. I asked my employer to print off the totals that had been taken from my checks. I then contacted them in XXXX and asked them to send me a complete report of all debits and credits in regards to my account. I heard nothing from them at all but coincidentally the very next paycheck their garnishment was stopped from coming out of my paycheck. I then followed up with a request to receive a complete report of all of my credits and debits from my account. They told me that I would have to contact them by phone. I contacted them and they still to date haven't sent me any reports. According to my records I have overpaid them and they owe me money. I have read several online reports about them and this seems to be a continuing process. They hire local attorneys to do all of the intimidating paperwork and don't reply or communicate with you until it is too late for you to reply and then take old debts that have gone away and keep them alive.
11/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85015
Web
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Gurstel Law Firm PC for committing Identity Theft by deception and using deceptive forms. Gurstel Law Firm PC mailed me a letter ( see Exhibit A ) dated XX/XX/2022, claiming I owe a debt, giving me until XX/XX/2022, to dispute the debt. XXXX ( XXXX ) days later, I received another letter ( see Exhibit B ) from Gurstel Law Firm PC claiming that XXXX XXXXXXXX investigated my fraud claim and determined the claim to be invalid, giving me 15 days ( until XX/XX/2022 ) to submit additional documentation supporting my claim. Gurstel Law Firm PC is using deceptive and unfair debt collection practices by claiming different due dates for the same alleged debt. I have never given Gurstel Law Firm PC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with UCC Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are liable for violations under 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U. S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Gurstel Law Firm PC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Gurstel Law Firm PC continues its collection efforts, I will file for litigation for actual damages caused, and Gurstel Law Firm PC will be held criminally liable for Aggravated Identity Theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both, requested and required. Account XXXX XXXX XXXXXXXX
01/26/2017 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • AZ
  • 85345
Web
I received a Student Credit Card XXXX when I had turned XXXX and at that time attended XXXX University in XXXX as a full-time student and working only part-time and XXXX XXXX knew this. I was originally born and raised in XXXX, XXXX. I also attended XXXX XXXX full-time while working only part-time until XX/XX/XXXX when I relocated to Arizona for residency and to continue my college education at XXXX. In the meantime I have only worked part-time jobs barely making minimum wage. XX/XX/XXXX while attending school, I got laid off from my job and became unable to make payments. I had some help from family members but then they got sick and could not help me. I told XXXX XXXX this at the time. Never got a response. To date, I had never received any correspondence from XXXX XXXX other than was I working full-time, how much money I make and did I graduate from college yet. I never received any letter other than the one I received dated XX/XX/XXXX from Gurstel Chargo Attorneys at Law threatening and hurrying to file a judgment against me for {$2300.00}. ( see attached letter ) in which they served to my XXXX yr old grandma on XX/XX/XXXX. I have never been married and I do n't know where they got this false/fake information from other than they have me mixed up with my father. XXXX XXXX has violated by legal rights under the Fair Debt Collections Practice Act ( FDCPA ) as I feel XXXX along with their attorneys Gurstel Chargo of XXXX, XXXX have abused and practice false and deceptive acts against me and I hereby file a complaint against them. I will also be filing a complaint with the Consumer Protection Bureau for violation of my legal rights. Because I was never properly notified by letter, etc. and then this shows up at my address for judgment. XXXX XXXX has also violated my legal rights under the Fair Credit Reporting Act ( FCRA ) and because of lack of communication this is deceptive & abusive practices which has caused me a lot of mental anguish and stress.
09/28/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 945XX
Web
My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, and the agent for XXXX XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. XXXX XXXX and XXXX XXXX are attorneys at Gurstel Law Firm PC. XXXX XXXX and XXXX XXXX have taken it upon themselves to willfully violate my consumer rights that fall under the fair debt collection practices act. I am aware that it is FALSE AND MISLEADING for any attorney to attempt to collect any alleged debt, making this a violation under the fair debt collection practices act for any attorney to attempt to collect any debt. XXXX XXXX and XXXX XXXX have been aggressively attempting to collect from XXXX XXXX. XXXX XXXX and XXXX XXXX were sent a cease and desist letter, requesting they stop harassing and and mailing threaten letters to XXXX XXXX. The cease and desist was sent and received by XXXX XXXX and XXXX XXXX through the Consumer Financial Protection Bureau on XX/XX/2023 file number XXXX. Since then XXXX XXXX and XXXX XXXX has continued to willfully disregard the cease and desist letter. On XX/XX/2023 XXXX XXXX and XXXX XXXX mailed yet another false and misleading document to XXXX XXXX, pertaining to case number XXXX. XXXX XXXX and XXXX XXXX are now attempting to request a entry of default and a clerks judgement. These actions are false and misleading again for an attorney to commit when attempting to collect an alleged debt. Because dating back to XX/XX/2023 XXXX XXXX attempted to sue XXXX XXXX. A response was sent back to XXXX XXXX through the court denying all allegations and asking the plaintiff to prove the allegations in court. No response was given and no court date were given or missed. So for XXXX XXXX and XXXX XXXX to attempt to request a entry for default with no proof of any signs of court dates missed is again false and misleading actions from an attorney. XXXX XXXX has not caused any damages and if so, XXXX needs to be shown in a court of law.
10/16/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 863XX
Web
Letter received by Gurstel Law Firm XX/XX/2022 indicating a debt owed. I do not have any relationship or contract with Gurstel Law Firm. On XX/XX/2022 a USPS tracking XXXX a letter was sent requesting the following : 1. The amount you claim the Principal owes on said account ; and 2. An explanation showing me how Gurstel Law Firm computed the amount ; and 3. The identity of the original creditor ; and 4. Confirmation that the account has not exceeded the statute of limitation ( SOL ) period ; and 5. Evidence that you are a licensed debt collector in the STATE OF Arizona ; and 6. Evidence of your license numbers and your registered agent ; and 7. Certified Final Forensic Internal Audit of said account 8. Tax Registration Certificate. 9. A rebuttal 10. A wet ink signature I gave them 10 days to respond, but it took them 20 days and the response did not include anything stated above. They decided to send a letter, but no documentation of any contract between the parties. This is harassment as 1. there is no debt owed between XXXX and GURSTEL LAW FIRM 2. GURSTEL has not been able to prove that a contract exists between the parties. 3. GURSTEL continues to send large packets of paper that has no evidence of relationship between the parties. According to 15 USC 1692 C - A debt collector can not contact me without my consent. I gave no consent for this company to contact me in the first place, but they have continued to contact me without basis. 15 USC 1692b- they have stated they are in the business of collecting a debt. I have no context for this relationship or debt with this company. 15 1692d ( 2 ) Inappropriate language - sending me a letter indicating " debt '' has been troubling. I have tried to resolve this, however they have not responded appropriately. 15 USC 1681n - GURSTEL is in willful non compliance by continuing to ignore the consumer request to verify the account and validate the debt.
11/20/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • MN
  • 554XX
Web
I was contacted by Gurstel Law Firm, XXXX XXXX XXXX XXXX XXXX XXXX, MN - about an old debt. It was a debt that was supposed to be paid by an employer, but alas it wasn't and was in my name. Regardless, I made a {$250.00} payment towards the roughly {$1000.00} debt. I was going to make monthly payments. I did't get a single additional piece of paper - and the agent claims that he called me multiple times ( I don't have any voicemails ). Notably I wasn't EVER notified in writing about the total amount due - or the amount they ending up taking from the account. OR that they were going to garnish the account - never a single piece of paper. How is that legal? Today I checked my bank account and they had taken over {$1000.00}. When I called the number the bank suggested the agent mentioned that despite the debt being just {$820.00} they take up to 10 % more to cover additional costs. 2 days before XXXX so there is no chance for me to get this handled or fixed before then. I am left with a sum total of {$27.00} in my checking and {$13.00} in my savings. How can this be OK when I had made a large payment to them and made intention to pay AND THEN call because my bank mentions that they can reverse it and you can make payments ( as I was originally intending ) and he said that they wouldn't do that unless I was on state assistance ( food stamps ) This has to be the most backwards, dishonest, misleading company. Not only is it NOT A LAW Firm - its debt collection firm, but they lie to you about the pretense of making payment. i would NEVER had made a payment to him had i known they would have stored hat information and then deducted it from the account later. I now have no money and if I wasn't going to be on state assistance - now I'm going to be - how the XXXX am I supposed to get to work and eat for the next two weeks - obviously making XXXX dinner is out, despite saving up for a month and a half.
10/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NE
  • 68137
Web Servicemember
I received a letter from a law firm, that was is acting on behalf of a debt collector that is acting on behalf of my bank. The letter is an attempt to collect a debt. This is the FIRST time I have received a communication in the attempt to collect a debt from my bank. It appears to be weird as my XXXX ) bank did not attempt to collect a debt, XXXX ) the Collections Company has not sent any communications and XXXX ) the law firm letter was the first time I have seen this. Additionally, this is not showing on my credit report so I wonder if this is legitimate, especially if it is from the Bank. I have my Mortgage with them, a line of credit with them, both in good standing. I have a closed credit card with them that was closed ( paid in full ) in XXXX and it states as such on the credit report. The Bank has not information to give me as I do not have an account number to give them. I tried to log in to the Law Firm that is trying to collect the debt and I had to attest to all : - My account is not in dispute. - I am not a petitioner in any pending bankruptcy petition. - This account has not been discharged in a bankruptcy. - I have read the Privacy Statement and wish to continue with making a payment. My account is not in dispute. Because I am desputing the account through this CFPB, I assume I can not check this. I have to check all the boxes to access the account with the Law Firm. Seems unfair that I can not see what the account they have set up on my behalf in their site. I am going to respond to the letter with " this is my debt '' and " I want you to send me the name and address of the original creditor ''. and send the letter back. Being sent to XXXX ) collections and XXXX ) legal without prior notice doesn't seem right. Having no indications via the credit report that this is an attempt to collect a debt is also not right.
09/26/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • XXXXX
Web
This is new information on this debt collector/ law firm that goes by Gurstel Law Firm PC. I attempted to settle this matter with this company by writing a letter to the XXXX XXXX XXXX. The letter was delivered to the front desk reception area or mail room at XXXX AM on XX/XX/ 2022, Tracking number XXXX. The letter i wrote pointed out a list of serious federal violations that the debt collector may be committing against me. XXXX XXXX 's debt collection/ law firm continues harass me about payment of a alleged debt I do not owe his company. Again, I never had a contract with this debt collector. But this company feels entitled to payment. Now the company is mailing threating letters to me in an attempt to extort money from me by threating to sue me if I do not pay. This is a violation of 18 USC 876. Gurstel 's Law firm claims they are attempting to collect a debt on behalf of XXXX XXXX which is a credit card company but pursuant to 18 USC 894 no person shall attempt to collect any extension of credit. Also, I made a phone call to XXXX XXXX on XX/XX/2022 around XXXX PM. I was connected to a representatives by the name of XXXX, I asked XXXX what was the status of my account and he says my account has been sent over to XXXX XXXX XXXX XXXX XXXX XXXX ) A XXXX XXXX XXXX. XXXX said this was the only company to handle my account. If a employee of XXXX XXXX is telling me he knows nothing about Gurstel Law Firm PC but multiple employees and attorneys at Gurstel Law Firm PC are saying they are attempting to collect a debt on behalf of XXXX XXXX. This sounds like it may be Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ). I've attached the threaten letter sent to me, saying Gurstel Law Firm PC will sue me if I do not pay within 10 days. I marked the letter for multiple violations please see attachment
11/30/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 56560
Web
I recently sold my house. During the process, I learned that my ex-husband had debt which had gone to judgement and there was a lien on the house. In the divorce, I was awarded the house and we were both responsible for our own debt. The title company told me I could not close unless these were paid. I contacted my ex-husband to find out what needed to be paid. He contacted the agency to ask them for settlement and payoff amounts. He gave them permission to speak with me. I called on XX/XX/2020 and asked them to send payoff amounts to the title company. I was assured they would be there that afternoon or by the next morning, at the latest. The documents were not sent until late the next afternoon and one of the pages did not make it. I attempted several times to contact them again for them to resend it. None of my messages were returned. I continued to call and eventually spoke with the same person who told me they would be there by morning. He said he could resubmit the request to send, but it would take 24 hours. I asked if it could be expedited, since it was faxed already, but did not go through. He said he had no way to telling me when it would be sent. I spoke with a supervisor who assured me he would contact the department which sends these and ask them to expedite it. It is now XX/XX/2020 and we have not received the document. I emailed and asked it be forwarded to a manager. I also asked my ex to call them again. He did and was told they would send the documents right over. That was 3 hours ago and they still have not been received. The title company is holding my funds until they receive this. The collection agency 's failure to send a payoff amount is hindering my ability to move forward with the purchase of my home. How can I get them to send this, so I can pay it and move on?
06/16/2022 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • WI
  • 547XX
Web
I have been in phone contact with Gurstel Law Firm in Wisconsin since Fall of XXXX and via email since XX/XX/XXXX attempting to resolve a payday loan debt from XXXX that was bought by them. The representatives have been constantly using stall tactics and giving me all these ridiculous reasons why they could not settle with me. I finally got so frustrated I started recording these calls. I informed them that I was fed up with being given excuse after excuse on why the debt couldn't be resolved. I notified them that I had been recording the calls and have proof of what they had been doing to me. The rep immediately told me he could no longer speak to me. The only person who could speak to me on a recorded call was their Lawyer XXXX XXXX. I was given his number and left him several voicemails with no return call. On XX/XX/XXXX, I sent an email to Gurstel and on XX/XX/XXXX he finally responded. We had what I thought was a good conversation. We discussed a one time lump sum offer of {$1200.00} to settle this debt in full. He stated that based on my circumstances, he felt it was a reasonable offer and would bring it to their client. He told me he anticipated a response from their client by that Friday, XX/XX/XXXX or early the following week. I have not heard from him since. I have called and left him 9 voicemails between XX/XX/XXXX and XX/XX/XXXX without a response. I am doing my best to resolve this debt and don't know where else to turn at this point. I am just trying to fix debt that I incurred during an XXXX XXXX where I was forced to take out payday loans to cover my exs debt so his clients wouldn't sue him for unfinished work. Please help me. I am raising XXXX children with no child support. I just want to fix my credit so I can do good things for these children.
01/03/2018 Yes
  • Debt collection
  • Private student loan debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • AZ
  • XXXXX
Web Servicemember
Per CFPB - The proposed judgment against the XXXX XXXX XXXX XXXX XXXX has been filed with the U.S. District Court for the District of Delaware, and it is effective only if approved by the presiding judge. The consent order is effective immediately. Under the Dodd-Frank Act, the Bureau has the authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the proposed final judgment and consent order, the Bureau is requiring the companies to : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations. Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. XXXX XXXX XXXX XXXX XXXX continues to pursue and collect debt by filing a civil lawsuit with the Superior court of the state of Arizona - Through the Gurstel Law Firm PC - XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Per court documents, all collection attempts should ceases until a 100 % audit of all cases are completed. I am currently continue to be served papers for court proceedings for case No. XXXX
09/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 554XX
Web Older American
I had a credit card with XXXX XXXX. I am going through hardship and need some help from XXXX XXXX. I contacted them several times asking for help, and was told I didn't qualify for assistance. I then received a letter from XXXX XXXX on XX/XX/2023 that my account was turned over to a collection agency, XXXX XXXX XXXX. They gave me their contact information, I wrote a letter to XXXX XXXX on XX/XX/XXXX asking for help and asked that they contact me via mail, not phone or email. On XX/XX/XXXX, I got a collection letter in the mail dated XX/XX/XXXX from a company called Guestel Law Firm stating they were representing XXXX XXXX. I was very confused and assumed this was a scam. They gave me an email address so I wrote them an email on that same day ( XX/XX/XXXX ) explaining my concerns that XXXX XXXX told me I was working with XXXX XXXX XXXX, not with them. I asked for clarification on who I was to work with on this matter. I never heard from them again, so, I assumed I was correct that it was fraudulent activity as they were never mentioned by XXXX XXXX. Then, last night around XXXX, I answered my door and was served a summons that I was being sued for a debt I owe to XXXX XXXX, filed in XXXX XXXX MN. I never got clarification on who was handling the account. XXXX XXXX never XXXX time mentioned this law firm, and they never bothered to reply to my email. So I was waiting to hear back from XXXX XXXX. Now, I have a summons even though I clearly stated in my email that I was confused and needed clarification. How can this be legal? I was never told that my account was going to be sued. I have always paid my bills on time. I do not want to be in this situation, but I am. And I can't do anything about my financial situation at the moment.
08/26/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 91730
Web
XX/XX/XXXX, I receive letter from Gurstel Law Firm indicating I have a judgment from XXXX XXXX, XXXX. I've never heard of either company. Owing {$21000.00} + {$7000.00} in interest, as of XX/XX/XXXX. I called several times to be finally told that this was a collection from XXXX. No other information was provided, not when the account was opened or closed. Whether there were previous attempts to contact me or collect this debt, previous addresses, phone numbers for these attempts, nor when the law firm actually received this claim and what documents supported their action to contact me. The information they have is incorrect. They use a name ; I have never used in a public forum. The date of the debt is incorrect. The fact that I have done business with them is correct. The law firm says this is a co-debt, but I was not given this information. I filed bankruptcy over 20 years ago ( XXXX ) with my husband. This letter states since XXXX. These last 20 years after filing have been difficult to establish any credit or loans of any kind. I couldn't even get a bank account. I've been in a homeless shelter the last 4 years. I literally have a credit history of 2 years as of today. I only have a cell phone, a car, and I just got into an apartment in my name after not being qualified after ALL these years. This firm was rude and a little scary. To think I could lose everything again, just by getting my paycheck garnished or having to fight in court after just getting everything back on track. This is threatening and unethical for a business to actively deny me information I need to try to defend myself on a debt they insist on collecting that does not belong to me. Again, here are the companies : XXXX, Gurstel Law Firm and XXXX XXXX, XXXX
06/14/2016 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • AZ
  • 85210
Web
XX/XX/2015 I was notified by my employer that my wages were being garnished by a company called Gurstel Chargo PA. I had no knowledge of any debt with this company or the Plaintiff, XXXX XXXX. I 've never been to court before or been sued so I was unaware of what I was supposed to do to fight it. This company garnishes my wages for the next XXXX paychecks, they took XXXX % of my check for a total of over {$1800.00}. In XXXX 2015 my employer sent me a " Notice to Discharge and Release Garnishee ''. I assumed that was the end of it and I 'd never hear from them again. On Tuesday, XXXX XXXX I received notification from my employer that the exact same company was garnishing my wages again for the exact same case number but for an additional {$150.00}. My employer called this company and told them that I had already been garnished, but they had not received the proper paperwork to send the money. I was told it must be filed in the court before the money is paid from my employer to the Gurstel Chargo. Gurstel Chargo stated that they did n't file their paperwork on time so they are refiling the garnishment, my work was to return the money to me and they would start over with an additional {$150.00} in interest from the last year because they did n't complete the paperwork in time. I went to the courthouse and filed a dispute and request for hearing, in turn having to pay {$230.00} to do so to fight this. I was never given notice of this " debt '' prior to the garnishment, nor was I given a chance to clear it up prior to them taking a huge chunk of my paycheck. I was never served with any documentation to prove such a debt or even notify me that I owed money and needed to pay it. To this day I still have no idea what this is for.
01/03/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • UT
  • 84720
Web Older American, Servicemember
Settling a complaint that was filed against me in the XXXX Judicial District Court of XXXX County, State of Utah, XXXX XXXX Department. Case : XXXX, Judge : XXXX Plaintiff : XXXX XXXX XXXX XXXX Attorney for the Plaintiff : Gurstel Law Firm , P.C . Phone : XXXX File : XXXX On or about XX/XX/2019 I spoke, over the phone, with Gurstel Law Firm, XXXX XXXX About a settlement. I made an offer and she said that she would submit it. She called me back on the morning of XX/XX/2019. With a different settlement offer from Gurstel Law Firm of {$7500.00}. To be paid in monthly payments of {$310.00} for 24 months. I agreed to it. Received a stipulation of what was discussed. I signed and returned it via mail on XX/XX/2019. After not hearing back from Gurstel, and wanting to insure that the issue was resolved. I went to the court house and looked up the case. I'm including a copy of what I discovered. The settlement amount was changed, After I signed the document, to read {$11000.00} This is a two page document. I signed the back page. Then the front page was switched out to reflect a much higher amount. Then submitted to the court. Please compare the quality of the printing of the front page to the back page. They're obviously from two different documents. Pieced together. Notice how the required payments of {$310.00} X 24 months = {$7500.00} {$310.00} does not come out evenly with {$11000.00} ( {$11000.00} Divided by {$310.00} = XXXX Months I'm withholding payments until a resolution is reached through either your office, or the court after Gurstel Law Firm reopens the complaint due to noncompliance. Can I get a copy of transcripts from my conversations with Gurstel Law Firm?
06/21/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MN
  • 557XX
Web
I had a previous complaint on this matter that you can look up if needed. Now XXXX XXXX XXXX XXXX through their Attorney Gurstel Law P.C XXXX XXXX XXXX XXXX XXXX XXXX, MN telephone number XXXX have a lawsuit against me for {$10000.00} minus {$25.00} for credit, NOT payments but credits that they say were extended on or before XX/XX/XXXX ( time line is very suspicious for Statute of Limitations ). I mailed ( certified ) them the ANSWER within the time limit and then mailed them ( certified ) Notice of Discovery and Request for Production of Documents. I had a hearing last week and the Judge has set summary of Judgement for XX/XX/XXXX. I have now received their ANSWER for Production of Documents. They do not have a Contract of any kind. I asked specifically for the date of last payment on questioned debt and received a paper stating specifically the last payment date of XX/XX/XXXX, ( I have tried to attach the photo of the paper showing Client Last Paid Date but your system keeps timing out, if needed I can try again later through email if you would like to see it ) I have neither spoken to or by mail or any other means discussed questioned debt with ANYONE. I now believe, after receiving their ANSWER for Production of Documents both XX/XX/XXXX and their Attorney Gurstel Law P.C. have knowledge that the Statute of Limitations ( 6 yrs in MN ) has passed. I did state Statute of Limitations in my first ANSWER to them also. I feel I am being harassed by both XX/XX/XXXX and their Attorney Gurstel Law P.C. I am now involved in a lawsuit that is costing me time, money and mental anguish that never should have been started had they looked at the FACTS.
01/06/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 55432
Web
I originally received a warning which stated Gurstel Law Firm was going to be garnishing my wages on XX/XX/XXXX. I promptly reached out to them to confirm the debt was mine as I did not recognize the debt. I was attempting to purchase a home at the time so I was very aware of my credit score and any debt owed. While calling I was transferred to the attorney, XXXX XXXX. Through confirming my SSN and date of birth we had come to the conclusion that it was not my debt owed and it was my father 's debt. My father and I, unfortunately, have the same name with the exception of XXXX and XXXX. I was told by XXXX that he would make note of it and all was cleared and notice was sent to not garnish wages. XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that Gurstel Law Firm would be garnishing my wages once again, for the same debt with the same file number. Clearly, XXXX did not make a note in the file. I immediately reached out to XXXX to resolve the issue. He was not available. XX/XX/XXXX I was able to get in contact with XXXX again and he was not as pleasant. Through once again confirming my SSN and date of birth we found it was not my debt, once again. This time I asked what he was going to do to ensure I did not keep facing penalties of my father 's debt, to which he was unable to offer any definitive answer. I then informed him of how this is considered fraud, and in direct violation of the FDCPA to which he responded " I don't need to take legal advice from you. '' While, no, I am not licensed to practice law. I clearly have a better understanding of it than some of the attornies at the aforementioned collection agency.
09/27/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • UT
  • 84790
Web
I was served documentation from Gurstel Law Firm Professional Services. They were representing XXXX XXXX XXXX company. This is for a debt that I had not repaid yet because of a financial hardship I am going through currently. I had relayed this to XXXX on more than one occasion however they still turned this account over to Gurstel. Gurstel served my wife court documents ( that are only in my name ) and in those documents there was a reply that was asked for on a questionnaire sheet via US mail. I mailed this in and then I also received a letter back with the copy of the letter I sent along with their acknowledgement that they had received such letter. Without notice from Gurstel or any other communication or a phone call they put a lien on my house on the day it was supposed to fund when their lien came through and I was forced to pay that debt in full to move forward this did not only finacially hurt us even more but put us in a worse off position than we currently were. Gurstel did this without warning and I had explained in my letter that I was willing to work with them and that I needed to get this situation in order because I had fallen upon some hard times. They proceeded without any further contact to seize that money. This left my family and I in a very hard spot that could of otherwise been avoided. We are still trying to recovery and will be for a while. I looked online and they have reviews after review of similar tactics where they insert themselves into your personal life trying to capitalize in any moment that they can take advantage of you when your are vulnerable and that is what happened here.
07/07/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MN
  • 55379
Web
I previously submitted a complaint against Gurstel Chargo/Gurstel Law Firm in XX/XX/XXXX for continually harassing me about a debt that they say I owe. The collect attempts began in XXXX XXXX when they sent me a pocket summons stating that they were going to sue me for a bill through XXXX XXXX XXXX in which the last date of payment was XXXX XXXX, XXXX. I also received a demand for payment the same month. I responded by certified mail XXXX XXXX requesting validation of the debt, my ownership of the debt, and their ownership or ability to collect on the debt and did not receive a response from the firm until XXXX XXXX, which was a copy of a statement from the credit card company XXXX XXXX XXXX. In XXXX XXXX I received a second pocket summons stating that they were suing me. I responded to the summons and once again requested validation of the debt. In early XXXX XXXX they sent me copies of paperwork requesting information from me and XXXX. At this point I submitted a complaint against the law firm and XXXX XXXX XXXX with Consumer Finance. I explained that the debt they are attempting to collect on has not been verified or validated, and is also beyond the statute of limitations. The firm responded to the complaint. I then responded and sent a letter through certified mail asking for them to cease and desist and to stop harassing me. I never heard a response from them stating that they would stop contacting me since they do not have the legal right to do so. I received documentation yesterday, XXXX XXXX, XXXX that they have filed against me with the court.
11/29/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AZ
  • 85020
Web
XXXX law firm did not properly serve me in accordance with the law, nor did they provide me with validation of my debt. They sued me in court and I was not notified of the court date in accordance with state law. XXXX XXXX account. ( XXXX ) {$2500.00} The following alleged collection account was on a payment plan arrangement during Covid and the amount you are reporting is not correct, nor is the amount owed. ( see attached document for details ) Under the XXXX XXXX If you are current on payments and make special arrangements, creditors must report the account as current. If you were already delinquent on payments and you make special arrangements, your account will be reported as delinquent until you bring it back to current. Late and missed payments CAN NOT be reported if you have already made arrangements. Charge offs may still continue to be reported as a charge off Some creditors may use a special code for natural disasters on credit reports for delinquent accounts, this is not required. XXXX does not consider disaster codes for credit scoring. XXXX will not use late payments with a disaster code for credit scoring. I had a XXXXXXXX XXXX XXXX result which indicates I was effected by XXXX during the illustrated time line for the XXXX XXXX-I gave this information to the credit card company. They violated FCRA and compliant reporting standards. Gurstel law firm is not in compliance with all the XXXX XXXX reporting standards, and I'd like this account removed upon completion of investigation. Sincerely, XXXX XXXX
09/26/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85018
Web
My name is XXXX XXXX XXXX, a federally protected consumer, and I am submitting this complaint on my own behalf, without any connection with a third party. I am submitting this complaint against Gurstel Law Firm , P.C . for committing identity theft. I have never given Gurstel Law Firm , P.C . permission of any kind to use any of my identifying information, and as such, they have committed mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with U.C.C. Article 9 that the assignment of a defaulted note is illegal. The assignee and assigned are liable for violations under 15 U.S.C. 1692e ( 12 ). I am legally refusing to pay this debt via the rights granted to me under 15 U.S.C. 1692c ( c ). I am demanding a cease and desist of all illegal activity, and any communication and collection activity, of this alleged debt and any other alleged debt until Gurstel Law Firm , P.C . can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced, and Gurstel Law Firm , P.C . continues its collection efforts, I will file for litigation for damages caused, and Gurstel Law Firm , P.C . will be held criminally liable for aggravated identity theft pursuant to 18 U.S.C 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of this notice, Gurstel Law Firm , P.C . is hereby notified pursuant to U.C.C. 1-202f. Your prompt attention and response to this matter are both requested and required.
05/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 91709
Web
I am currently working with XXXX XXXX XXXX to help pay off my debt rather than filing for bankruptcy. One of the accounts I enrolled in the debt repayment program is my XXXX XXXX credit card that had a balance of {$6200.00}. The collection is being handled by Gurstel Law Firm , P.C . On XX/XX/XXXX, XXXX XXXX accepted a settlement offer of {$3100.00} from XXXX to be paid in 24 months. In accordance with the agreement, XXXX had already made regular payments for 12 consecutive months. As of XX/XX/XXXX, the remaining balance on the account is {$1600.00}. However, in spite of several disputes with XXXX, XXXX and XXXX, XXXX XXXX continues to verify the following inaccurate information : ( 1 ) Balance and Past Due Balance as {$4800.00}, ( 2 ) Payment history shows " FP '' ( Failure to Pay ) from XX/XX/XXXX through XX/XX/XXXX on my XXXX Report and " CO '' ( Collection ) on my XXXX Report, ( 3 ) Payment Status as " Charge Off '' when it should be " Paying ''. As you know, in spite of the fact that the account was in collection, regular consecutive payments on the account, along with the reduction in the balance helps to improve one 's credit score, and unrecorded 12 consecutive payments is significant in terms of improving my credit score. The fact that they continue to report the inaccuracies is continuing to hurt my credit score and causing further damage to my reputation. I am therefore filing this complaint against XXXX XXXX and seeking your help in getting them to correct all three CRA reports accordingly. Thank you.
09/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85015
Web
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Gurstel Law Firm PC for committing Identity Theft. I have never given Gurstel Law Firm PC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with XXXX Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are liable for violations under 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U. S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Gurstel Law Firm PC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Gurstel Law Firm PC continues its collection efforts, I will file for litigation for actual damages caused, and Gurstel Law Firm PC will be held criminally liable for Aggravated Identity Theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX 1-202f. Your prompt attention and response are both, requested and required. Account # : XXXX Reference # : XXXX
02/27/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 95823
Web
I received a Letter from Gurstel Law Firm early XXXX who at the time was representing an creditor by the name of XXXX XXXX XXXX, XXXX and in the letter that they sent me was an enclosed annual copy of their client 's privacy Notice. Several months later I recieved another letter from XXXX XXXX XXXX whom then proceed to let me know that their records reflect a lawsuit that was recently served in the above matter and to please contact their office to work towards an amicable resolution. I was baffled by this because for one I have never been served with an summons ever and for two when I tried to call the number that was given on the form the phone number was not working XXXX. I ended up calling the number that was displayed on the right hand corner. I had spoke to a representative by the name of XXXX who stated really nothing but a payment plan as I couldnt talk to anyone else in regards of this. This has been a nightmare as I have spent countless hours, spent money on lawyers as well as credit repair agencies and no help. While I was the one of many whom was a victim of data breach where my social security and driver license was fraudulently used back as early as XXXX til this year of XXXX ; as was told from my bank and I have several texts from the banks that I have closed for several years of people phishing. They are claiming that I owe {$10000.00} which I dont.
09/04/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • UT
  • 84115
Web
XXXX XXXX received XXXX with police reports from the XXXX XXXX police department XXXX, XXXX including FTCID Theft reports XXXX, XXXX XXXX XXXX, I highlighted the fraudulent charges on the statements they sent me as instructed and mailed all these documents back to them. They have not follow the law by removing these fraudulent charges as according to the Truth in lending Act nor the Fair Credit Billing Act. Additionally, their law firm Gurstel law firm sent me a letter stating XXXX XXXX is stating the my fraud claim is invalid which doesn't make any sense whatsoever. They have police reports, FTC ID affidavits and highlighted statements of the fraudulent charges and the merchants transactions. The names and identities of the people who committed these acts are not listed because that information isn't known as my credit cards were taken from my home and my identity was used in many activities without my permission. When I tried to file a police report when I first discovered what was going on my life was threatened repeatedly by several unknown individuals who later were able to break in my home any time at will they wanted and stole many items of my personal property which is on police report XXXX. XXXX XXXX fails to handle this claim in good faith and keep giving me the run around including sending these debts to Gurstel law firm.
05/06/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MN
  • 559XX
Web
Never heard of these people until XXXX of XXXX. Supposedly a sheriff personally delivered me a summons in XXXX when I was living in another state. It is supposedly some debt that isn't on my credit report nor do I recognize any of the " accounts '' they have listed. There are no original account numbers or any information whatsoever. Also, they said they have ALREADY garnished and taken my money from an account at a bank I have never in my life had an account with. If they have already taken my money, like their letter says, why do I need to call them to set up a " payment plan ''! I asked them for proof of debt. I got a ONE page letter with no information on it, certainly not the original debt or any account numbers or anything even remotely close to what they are required to send. It just says to call them to set up a payment. I am on social security so they can't even take my money in the first place. The supposed original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; which two phone numbers I found for them and I called. One was disconnected and the other was some lady who just said hello. I have never heard of this place. I am not calling them or giving them any of my real information. They already stole my current address from somewhere. I am also contacting the MN Lawyers Responsibility Board.
05/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AZ
  • 85032
Web
The company XXXX XXXX has been attempting to collect a debt from a credit card I obtained when I was unmarried. I worked as a bartender and lost my job and became behind on all bills during Covid-19. They served my husband with the court documents when I wasn't home. The credit limit for the card was {$3000.00} and they are requesting I pay {$4200.00} because of late fees, etc. They have submitted a judgement to try to hold my husband accountable for this debt as I got married in XXXX of 2020. We had a mediation and the company did not accept my lump sum offer of {$1500.00}. They are willing to settle for {$2900.00} ( after supposedly speaking with their client XXXX XXXX ). They did not notify me that they had declined my lump sum offer. They also stated I could make payments for the total amount {$4200.00} with no negotiation. I have been settling other debt with companies for less than half of what I owe. They again, declined my offer. The website makes you agree to certain terms and conditions before you can log in to see your account. They submit paperwork with XXXX XXXX listed but they clearly bought this debt and are trying to get as much as they can, in the most incessant ways. The terms and conditions aren't listed. Their business practice is aggressive, unethical and shameful.
07/07/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NE
  • XXXXX
Web
I live in XXXX, Nebraska. A lawyer for XXXX XXXX XXXX, XXXX XXXX XXXX has sued me for {$1300.00}. I have never owed this money to any individual, company or agency. Nor was I given a written notice that I would be sued, before I was actually sued. I was denied any opportunity to dispute the fraudulent debt outside of court. A simple web search proves that this law firm has been the recipient of multiple complaints in the past 12 months. ( https : XXXX ) The address for the lawyer listed in court papers is XXXX XXXX XXXX XXXX, XXXX XXXX , MN XXXX. I was served with a certified letter containing a Summons issued by XXXX XXXX XXXX in Nebraska post marked XX/XX/2020. The postal service did not deliver the letter until XX/XX/2020. I have never lived in, or traveled to XXXX. The plaintiff, Ffif-acm XXXX XXXX XXXX, is a foreign limited liability company with no physical office in Nebraska and perhaps not even in the USA. They have all the hallmarks of a shell company. I have never done any business with this company and I have never borrowed money from this company. I have not been presented with any bill of sale, receipt, invoice or signed contract showing when I agreed to pay this money. Nor have I been shown any documents to explain what purpose the money is allegedly owed for.
01/08/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 55417
Web Servicemember
My funds from my XXXX XXXX XXXX was garnished without me being notified of a court date or summons on XX/XX/2020. The company is XXXX XXXX which went out of business almost three years ago. My bank states it was a legal order which I have no knowledge of and never was notified until I was declined trying to make a purchase with my debit card. I receive government funds which is not directly deposited into my account but is deposited after its received. I tried to explain this to my bank and debt collectors with proof and have not been able to get retrieve my funds back. I am on a fixed income and only get money once a month I am now facing eviction and repossession of my car as I can not pay the amounts due. Approximately about {$400.00} of money was garnish from my account with XXXX XXXX XXXX and I am left with legal order fees and others that automatically is paid through my bank. I have tried to resolve the matter and not getting any response or action. This is not okay especially not being able to defend this action taken against me. The address they have on file for me I have not lived there for years and it was stated that is where I was served which is not the truth. I dont know what to do as of now to retrieve my funds back as I am disable and live on a fixed income.
04/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MN
  • 553XX
Web
On XX/XX/2023 I called Gurstel Law to accept a settlement that was offered to me in XXXX of 2023. I was told they could no longer settle the account because they started an active wage garnishment. I have two issues with this. I was never provided a summons by this company so I was unaware of any judgements against me. The company claims a summons was handed directly to me, this is not correct. I would like proof of delivery. I spoke with this company many times and was trying to negotiate a settlement. I offered {$1000.00} and was told the client XXXX XXXX refused to accept this offer. I was never once advised during my conversations with the company that my account was going to be submitted for garnishment if action wasn't taken. I had advised the company I had {$1000.00}, If I was properly advised the status of my account I would have figured out a way to come up with the extra money quicker. Since I was never properly informed of the intended action taken on this account, I was forced, or bullied, into paying the full balance plus an additional {$30.00} to wire transfer payment. This was the only way to prevent garnishments. It seems very deceptive that a settlement was available 2 weeks ago, but now there is no way for them to accept a settlement.
06/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • AZ
  • 85225
Web
I have hired a debt consolidation legal firm XXXX XXXX XXXX to aid me in paying off my credit card debt. I was notified end of XXXX that Gurstel Law Firm was representing XXXX XXXXXXXX for the unpaid cc balance. I forwarded the summons to XXXX. A few weeks later I was notified that Gurstel had obtain a judgement. I sent that document to XXXX. I also reached out to Gurstel to work out a payment plan- they advised me that NO ONE would talk to me because I was being represented by a legal firm. I called XXXX to help get this settled. XXXX called me and then advised me that Gurstel would not work with them because I owned that debt. I keep receiving notifications that Gurstel has received judgements increasing the amount owed each time and when I contact them to settle the debt- and demand someone assist me with my debt- they keep telling me no one will speak to me from there since i have a legal debt company representing me. Im afraid they are just going to empty my bank account one day and that alloted money wont be able to pay my monthly bills. I need help. I have been jerked around back and forth between the 2 companies since XXXX while continuingly making my monthly payments to XXXX. I can not get help from Gurstel and Gurstel wont speak with XXXX.
03/12/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • UT
  • 84790
Web
I was sent a letter from Gurstel Law offices in MN and they said they were acting on behalf of XXXX XXXX XXXXXXXX and attempting to collect a debt. They served me a Summons and said that I was being sued because of this debt. They would not answer any of my calls or emails. This information was put in the letter head for me to contact them however after several attempts I never was able to speak with anyone. I was asking for proof that this debt and as stated " Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ''. This information was never provided. I was in the middle of closing on the sale of my home and they entered in a Judgment and I was not able to close the home without this judgment being paid from proceeds of the home sale. They took that money and have not communicated with me regarding this account with XXXX XXXX XXXX. They never reached out to me in any way. They have a fraudulent account according to law if they can not bring to me a physical, signed copy of my agreement.
03/21/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MN
  • 551XX
Web
I have been divorced for over 15 years, and a judgement was obtained in my married name ( I changed my name to my maiden name when I divorced ) and communication was going to an address that I no longer lived at. Needless to say I did not contest the debt prior to the judgement due to not being aware. The debt was from prior to XXXX, and on XXXX/XXXX/XXXX a third party collection firm filed a judgement against me. They obtained an order to garnish in XXXX of XXXX. The garnishment over collected in the amount of XXXX, and I was issued a partial reimbursement in the amount of XXXX. The third party collector remitted the reimbursement to my former name, which I have not used in 15 years, and additionally I have not been issued a reimbursement for the remaining XXXX to date. Even depostiing the check will present as an issue as I do not have any accounts or ID in that past name. It was changed by court order, which I told the third party collection agency and law firm over and over. When I attempted to obtain a verification of debt, the only thing provided to me was the judgement, not anything from the original creditor. I attempted to confirm that this was in fact my debt, and all I ever received was a copy of the judgement.
07/28/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • UT
  • 84790
Web
I am being contacted by Gurstel Law who is a debt collector. They are saying that I owe a certain debt from XXXX XXXX. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Gurstel Law is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. This is not the first complaint I have filed- Gurstel does not change their tactics and I am still having the same issue. **The CFPB has not helped either even though this has not been resolved.
02/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85286
Web
FAILED TO VEFIFY DEBT WHEN REQUESTED In accordance with the Fair Credit Act XXXX Account 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.
04/16/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Used obscene/profane/abusive language
  • IA
  • 50263
Web
I had stopped paying my credit cards because we were close to losing our home. We were given a loan modification and I contacted the company Gurstel Chargo in XXXX XXXX XXXX I and XXXX bank file # XXXX. I explained that I am paying XXXX mortgages right now and can afford {$50.00} a month until we have more money available to pay this was on XXXX. I spoke to XXXX XXXX. He was very rude. He asked me for my work phone number. i told him was not supplying my work phone number he said do n't interupt me when I am speaking was very harsh. I ended the call after saying I am going now. I sent a few emails to the company with my budget telling them I can afford {$50.00} a month just trying to pay my debt. I was served with no further communication from them on XXXX. When you are down on your luck with XXXX kids and try to make things right and call in treated very rudely and then served on top of it. I just want to pay my debt paying as much as I can afford at this time without being harrased. It shouldnt be that hard to communicate with a company to try to pay your debt especially when you make the call to them wanting to work it out.
11/22/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NE
  • 680XX
Web Servicemember
Hello, I am writing in regards to a civil judgment from a company called Gurstel Chargo. They are a bad debt buyer and purchased a debt from a charged off account with XXXX XXXX Bank. I owed just over {$1000.00} and went to court to dispute it due to the hardship it would cause, but the deadline had passed and I lost, so my checks have been garnished for the past 9 months. I calculated the amount owed compared to the amt taken from my paystubs and I show that it should be paid in full. Yesterday, I received a letter stating that a company called XXXX XXXX was going to start garnishing me for the exact same account. I had only XXXX XXXX XXXX Bank account. I sent an email to Gurstel Chargo 's attorney and requested the balance and the amount owed and explained that XXXX XXXX was trying to garnish me again for the entire amount, ( which I know has been paid in full ). They will not respond to me. I checked my annual credit reports and sure enough, it shows the XXXX XXXX account was sold to another party and then sold again. I have paid this is full yet am being charged again for the entire amount I just paid off. What can I do?
12/13/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 95014
Web
Collections law firm Gurstel Law Firm ( XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX ) obtained a writ of execution on XX/XX/22. On XX/XX/22, they executed the first of XXXX garnishments. On XX/XX/22 I notified them ( through an attorney ) that I was in XXXX when the lawsuit was filed and served at my old address ( bad service ). On XX/XX/22 I settled the judgment for XXXX XXXX ( {$3400.00}, through an attorney ) and paid that amount on XX/XX/22. Gurstel continued to receive my garnished wages ( XX/XX/22 and XX/XX/22, {$1000.00} per check from XXXX XXXX XXXX XXXX sent to Gurstel ) ) and refused to return the garnished wages despite my making a demand for return of the over-garnishment on XX/XX/22 and XX/XX/22 ( through an attorney ). This would be the perfect case for the CFPB to initiate a lawsuit like CFPB XXXX XXXX XXXX XXXX XXXX XXXX, P.C XXXX As reflected by the numerous negative yelp comments, the Gurstel Law Firm is abusing the judicial system by collecting monies from debtors who have no knowledge of their legal rights and can not afford to defend themselves.
02/18/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • AZ
  • 85233
Web Servicemember
On XX/XX/XXXX, I woke to find a Summons ( XXXX ) lying on a bench on my front porch, not in an envelope, with all of the information exposed to the public. I immediately sent an email notifying the attorney firm, Gurstel Law Firm, PC that the XXXX 's debt was included in my husband 's bankruptcy ( XXXX ) which was discharged XX/XX/XXXX. The request was made to have Gurstel Law Firm file a Motion to Dismiss within the email. On XX/XX/XXXX, I received correspondence asking " to work towards an amicable resolution ''. After XXXX attempts to contact the law firm on XX/XX/XXXX, I finally was able to speak to XXXX in Collections whom notified me that the file ( XXXX ) was with an attorney being reviewed since XX/XX/XXXX. XXXX ( who is based in Washington ) asked that I call back in a " few '' days to find the status. My desire was to not have to spend funds that were needed to file an answer and Motion to Dismiss. As this is not a " legal '' lawsuit for collection. In the past well before this summons was issued, the debt collectors and XXXX 's were notified of the bankruptcy and request to cease collection attempts.
02/04/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 559XX
Web
A company called Gurstel Law Firm is trying to sue me for a credit card debt that does not exist. I have contacted Gurstel Law Firm on many occasions, filed a Cease and Desist Letter on XX/XX/XXXX and yet they are still trying to sue me for a non-existent debt. XXXX can not find ANY record of this card tied to my social security number. I spoke multiple times with XXXX and confirmed this. On XX/XX/XXXX the XXXX Security Operations officer confirmed once again, there is no debt tied to my social security number. She suggested I contact XXXX, the Consumer Financial Protection Bureau and the State Attorney General as this company is violating the Fair Debt Collections Practice Act. This 3rd party debt collector has harassed me for a year and a half and keeps trying to get more personal information from me over a debt that does not exist, and I am very concerned about Identity Theft. There is NOTHING on any of my 3 credit reports pertaining to this card. I was informed by XXXX Fraud department that Gurstel Law Firm is in violation of the Fair Debt Collections Practices Act. I want this lawsuit and harassment to stop ASAP.
12/11/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 55123
Web
I have been repeatedly harassed by the Gurstel Law Firm, in XXXX XXXX MN to collect a debt that is not mine. After telling them numerous times, they continue to harass me, and have subsequently filed a lawsuit. While I know that they can do that, they are using incorrect and down right false information to back their claims.They state that they are working for a debt collection company, XXXX XXXX XXXX XXXX for a debt on a XXXX Credit Card that I did not apply for. Not only is it not mine, they are suing me in a County that I do not live in, and their documents are false. There is an affidavit of Service, that is a complete lie. I was not personally served, and couldn't have been as I was at a Doctor Appointment on the date and time that they state I was served, and my personal description is off by over 5 inches and about 30 pounds.They are stating the my work address is my home address and suing me in the wrong county, for a debt that isn't even mine. Their numbers on the statements that they provided don't even match the amount that they claim I owe.This is an utter sham, and they need to be stopped.
09/25/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NM
  • 87144
Web
A year ago I found a credit bureau listing from XXXX XXXX XXXX ( XXXX ) stating I owed a debt. I disputed the debt and never received any further information. This account was opened by my ex wife after our divorce fraudulently in my name. I have no contact with my ex wife as she has not been in contact with me or our children for 4 years. She is delinquent on XXXX XXXX and we have no way of locating her. A law firm called me a year ago about this debt and I informed them I disputed the debt. I live in New Mexico, they had an address in Nebraska which I believed to belong to my ex wife. They, XXXX XXXX XXXX with Gurstel Law Firm in Minnesota, did not contact me again until this week when I received a letter forwarded to my New Mexico address from my ex in Nebraska saying that XXXX XXXX XXXX ( XXXX ) has sued me in Nebraska and demanding a hearing in Nebraska in 2 days. I LIVE IN NEW MEXICO. I have no means to get to NEBRASKA to again dispute a debt I have previously disputed. I have researched Gurstel Law and they have settled several CLASS ACTION lawsuits when suing people who did not owe the bill.
05/27/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Used obscene/profane/abusive language
  • AZ
  • 85281
Web
I was a customer with creditor for many years. I lost my job and was not able to make my payments. I called and tried to work out an arrangement. Was told there was nothing they could do for me. Some time passes and I get a process server telling me I am being sued. I called the collection agency each time I call I get a new person and a new set of things I need to do to make this go away. Was trying to resolve a debt issue before a court date. Was told to submit a written proposal and with in 72 hours I would have an answer. I emailed and faxed my proposal. Went to initial court hearing and spoke to their lawyer and was told he had to run my proposal by his client he would get back to me. I called back two weeks later and was told my offer was rejected and I would be forced to pay entire balance in three monthly payments. I said I could not afford that. I was told by a female attorney with the company that maybe I should have a better XXXX job. Then I was told she would start the garnishment paperwork. We have not even gone to court yet the trial date is a few weeks away and I am now getting threatened.
09/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • AZ
  • 85024
Web
I received legal service from the court regarding an unrecognized debt. The service and court documents stated an address that I have never resided at. In addition the addresses on the stacks of credit card statements provided with the court documents. When I received these documents I sent a written responses explained that I had experienced identity theft during the very out dated statements. In addition to the many errors listed, these statements have exceeded the Arizona 3 year statute of limitations. I have repeatedly asked them to cease and desist any communication. The law firm refuses to stop! The said firm : Gurstel Law firm is Located : XXXX XXXX XXXX XXXX XXXX, Az XXXX The Gurstel law firm continues to send me huge stacks of duplicate very old credit card statements from several credit card companies dated from XXXX. They simply send a new cover letter to accompany the same paperwork over and over. I have sent XXXX responses and I believe this to be intimidating and bullying tactics. I have informed them that I would be reporting them due to this non stop harassment
08/26/2017 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
  • AZ
  • 85255
Web
On XXXX XXXX, 2016 XXXX XXXX XXXX XXXX sued me in XXXX XXXX for the State of Arizona in & for the County of XXXX -- XXXX XXXX for {$11000.00} which was the amount credited to my husband 's XXXX XXXX XXXX XXXX credit card as result of a move of some of our possessions from XXXX XXXX XXXX to XXXX AZ in which some possessions were stolen or lost, and others were damaged which XXXX refused to reimburse my husband for despite insurance coverage from XXXX. Attached is a copy of the XXXX statement showing my husband, XXXX XXXX XXXX, received the credit after providing XXXX with evidence of the items stolen/lost and damaged. My husband was the XXXX to XXXX. Attached is correspondence with XXXX XXXX XXXX and a listing of theft/loss and damage to various possessions moved. I was only a signatory on his XXXX account. Despite the fact that XXXX accepted my husband 's proof over XXXX 's XXXX has sued me and refused to turn over any correspondence between XXXX and XXXX. I need assistence because hiring an attorney would me a large portion if not all of the XXXX recovery.
09/14/2017 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • IA
  • 52806
Web
XXXX XXXX XXXX and Gurstel Chargo Law firm and XXXX XXXX XXXX have been garnishing wages on on a old credit card account that was charged off before XXXX. This company filed a small claims judgment in the amount of {$2600.00} XXXX/XXXX/XXXX. In XXXX of XXXX they began more legal action to get the judgment amount. The wage garnishment started XXXX of XXXX and has every year until now. They have thus far collected {$2300.00} since XXXX yet the amount owed on the judgment keeps going up XXXX its up to {$6200.00} XXXX currently because this company is still adding interest on a account that has been closed before XXXX and charged off. I do not feel responsible for these so called finance charges and take responsibility for the original judgment of {$2600.00} which is almost paid up. I think this company is taking advantage and unfairly charging me these outrageous amounts for a credit card I have not had in almost XXXX. These garnishments really put financial hardships on single parents like me who are trying to make ends meet and trying to pay off debt.
04/04/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94804
Web
XXXX XXXX of The law firm Gurstel Law firm, represents plaintiff, XXXX XXXX XXXXXXXX XXXX, has served my husband, i was not at home at the time, with a complaint against me, owing {$4500.00} within the past 4 years. I immediately, looked up my credit score, and found phone numbers and employment position, which doesn't belong to me. The plaintiff has never contacted me before, and I never received prior inquiries for this debt. I filed a dispute with XXXX for the following : 1. debts, and 2. the wrong phone numbers, 3. and wrong employment description The plaintiff complaint is unverified, as it never belonged to me, i never opened an account with XXXX XXXX XXXXXXXX XXXX XXXX Shouldn't the Plaintiff be required to provide verification of debt? I do not have any responsibility for the debt the law firm is trying to collect. If they have good reason to believe that I am responsible for this debt, mail me the following documents : 1. Proof i opened the account 2. Proof of the transactions & statements 3. Proof of prior attempts to contact me
06/14/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • MN
  • 550XX
Web
This is now just a phishing scam through the mail. The first packet Gurstel Law Firm sent me on XXXX XXXX said they have already garnished and taken my money AT A BANK I HAVE NEVER HAD ANY ACCOUNT WITH! I havent found anyone to help me in these three months. Now it is XXXX XXXX and they have sent me THE EXACT SAME PACKET WITH A DIFFERENT BANK ON IT THAT I HAVE ALSO NEVER HAD ANY ACCOUNT WITH!!!! WHO DO I HAVE TO CONTACT TO GET SOMEONE TO DO SOMETHING ABOUT THIS?????? I live off of {$1500.00} a month from social security XXXX. I CAN NOT AFFORD TO PAY SOMEONE TO HELP ME! I also cant go the the cops here because they are also ones who lied when they said they delivered ME a summons way back in XXXX, I wasnt even LIVING IN THIS STATE, HOW DID A XXXX XXXX XXXX PERSONALLY HAND DELIVERED ME A SUMMONS IN XXXX XXXX WISCONSIN???? I HAVE NO IDEA WHAT THIS SUPPOSED DEBT EVEN IS. MY TOTAL REAL DEBT ISNT EVEN THIS MUCH!!!!! I shouldnt have to type out all the federal laws here for you to figure out what these people are doing is ILLEGAL.
09/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • MN
  • 55117
Web
I am in the process of selling my home. I have received an email from the loan closer stating the sale can not be completed nor can I have anything notarized unless this judgment is removed. Gurstel and Associates filed a frivolous judgment against my property for someone with a similar name but completely different address and date of birth. I dont know this person and our birthdays are over 20 years apart. I contacted the law firm and advised them this judgment nor debt is mine. I verified the last 4 of my ssn and my dob with the representative and they confirmed it was different. They then told me I would need to go to the courts to work with them to have it removed. I am refusing to do so as I am not sure how they could even be granted a judgment on a property without even properly verifying the owners of the property are the person on the debt ;. I have owned my home since 2008 so the property history would show that. On the court website they show this persons information and her last address in XXXX XXXX.
05/08/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • UT
  • 84790
Web
I am being contacted by Gurstel Law who is a debt collector. They are saying that I owe a certain debt. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Gurstel Law is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of verifiable proof, they must remove the account listed below.
12/16/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • XXXXX
Web
After I graduated from college I wrote to my debtors to set up payment plans once I got a job. I sent {$25.00} to XXXX XXXX and they returned it stating it wasn't enough like its the only debt I had! So I didn't ' pay it. Now it is over 11 years old and should be erased from my life. Well, the debt was sold to Gurstel Law and they have been harassing me since. I started paying them, not efficiently but paid. They then put a judgement on me and now garnishing my wages. On XX/XX/XXXX they called again and spoke with the front desk girl and said " calling on XXXX ... .. XXXX ...., we have not received any payments on her garnishment. In fact I can prove that I have made at least 3 payments as requested. According to AZ laws, they can not harass me at work, defamation of character and abuse. If you see their reviews they are harassing a lot of people who are already paying on their debts. This company ( Gurstel ) are just bullies and should be stopped.
06/13/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • AZ
  • 85017
Web
I had a XXXX charge card that was discharged and received a XXXX. I had my wages garnished without notice in XX/XX/XXXX without representation. The collection firm that used a justice of the peace located over 50 miles from where I reside. The collection firm Gurstel Law Firm P.C. formerly known as Gurstel Chargo P.A. filed and garnished my paycheck. Case XXXX Gurstel file number XXXX filed for notice of renewal of judgement with an expiration date of XX/XX/XXXX! The original debt was discharged from XXXX with a XXXX. On XX/XX/XXXX a Notice to Discharge and Release Garnishee was mailed to me. But later they secured a judgement to renew. Gurstel law firm is using predatory tactics by courts to collect on a discharged account. I have been unemployed for the most of the last seven years. I last year I only made {$130.00}. This judgement makes it difficult for me to retain a job. I also suffer from XXXX XXXX and live with friends and family.
01/09/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • UT
  • 847XX
Web Servicemember
I sent Gurstel Law Firm an email on XXXX XX/XX/XXXX at XXXX XXXX XXXX in regards to a packet of papers received in the mail. Stating I owe {$1000.00}, plus any legal fees and other incurred fees. I stated in the email, if they can not furnish the original application with my valid signature then they must cease and desist in the same email sent on XX/XX/XXXX. They just sent me another packet of information, dated XX/XX/XXXX. I received this other packet today, XX/XX/XXXX. Their law firm is currently in violation of the FDCPA ACT. Plus that debt they are presenting is not even mine and I can prove it. Also, this account was opened in XXXX, according to the application of whoever opened it. This is over the statute of limitations of 7 years. I have also gone ahead and filed the necessary form on the utahcourts.gov website on XX/XX/XXXX, and served their law firm with them as well. The form I submitted was the Debt Collection Answer Form.
12/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90503
Web
For the past 2-3 months, Ive been receiving repeated phone calls from Gurstel Law regarding a credit card debt. Ive attempted to block the number and now they call me from various ( XXXX ) area code phone numbers. I received a written notice on XXXX XXXX, XXXX regarding an attempt to collect a debt. In that notice, it says if you write to us by XX/XX/2022, we must stop any collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents, we accept disputes electronically at XXXX I proceeded to dispute the debt via email on XX/XX/2022. Since then, Ive still received repeated calls. They have violated my right regarding reaching out to family members to discuss my debt. My mother sent me a text message on XX/XX/2022 with their information and the text reading This law office is calling my number for you.
11/21/2018 Yes
  • Debt collection
  • Private student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85138
Web Older American
I took out XXXX private student loans several years ago. I had retained an attorney ( see below for address ) who assisted me in paying debts to other loans. In the two year span working with the attorney, they never heard from XXXX. XXXX never returned phone calls, nor could my attorney find out who ( at this time ) actually owned the loan. I was just served with a civil suit for payment which amount and date do not match anything I have on file. The amount and date are not reflected in my credit report either. I don't actually know who owns the loan now and why they waited so many years before filing suit? XXXX XXXX XXXX ( attorney I had retained from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Civil Suit : XXXX XXXX XXXX XXXX XXXX/XXXX justice court Gurstel Law Firm XXXX XXXX XXXX XXXX XXXX, AZ XXXX On the summons it says : XXXX private credit Student Loan XXXX XXXX XXXX Total amount {$5500.00}
05/29/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 945XX
Web
The following list of attorneys of The Gurstel Law Firm PC continue to harass me with letters and sending strangers to my private property, I have informed this law firm to cease communication but they continue to use false and misleading information in attempts to collect an alleged debt from me. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I am telling you again for the second time to Cease all communication from me. I am a well informed consumer and I know my rights and I know the federal laws of the Fair Debt Collection Practices Act, which you all have continued to violate with your ongoing of false and misleading actions. I have attached four exhibits of proof violations of the Fair Debt Collection Practices Act. This is just a small portion of misconduct that has taken place towards me. I am aware that it is false and misleading for attorneys to collect a debt.
02/21/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85259
Web
The case was taken to mediation on XX/XX/XXXX and Defendant failed to appear. The case was dismissed per mediators. The Defendant hired another attorney who petitioned the courst several times for judgement. The courts original dismissal granted on or about XX/XX/XXXX entered in mediation by which defendant representative failed to appear at the mediation hearing on or about XX/XX/XXXX at which the plaintiff did appear in good faith with intent to mediate. The court sent a notice of dismissal of law suit to defendants and its counsel on or about XX/XX/XXXX. The court denied defendants motion for summary judgement on or about XX/XX/XXXX, and the courts second notice of dismissal to the defendants and its counsel on or about XX/XX/XXXX. On XX/XX/XXXX somehow the legal firm was able to overturn the dismissal without my ability to defend or have the court stand by its original mediation dismissal.
11/16/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85711
Web
Gurstel law firm pc has not been contacting me via telephone I have provided to them. They have been calling my mothers home every other day. On XX/XX/2019 I received a call on my mothers home phone from Gurstel Law Firm, I answered & they hung up. I then received a call on my cellular phone I answered & they hung up. Under the law for consumer protections I have rights that clearly state a debt collector, attorney, has to make a reasonable attempt at communicating with me about this debt. This law girl has not done that instead they have submitted for a writ if garnishment to the court & have not made any attempts at contacting me. Ive not received any letters asking me about this debt. No reasonable calls even when I have attempted to try to pay the debt. I feel like my writes have been violated & this requires an investigation. I will also file a complaint with the State of Arizona.
10/12/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MN
  • XXXXX
Web Servicemember
XXXX XXXX in XXXX XXXX, MN. Garnished wages for a XXXX XXXX XXXX debt that I did owe. I paid the debt in full. XXXX failed to submit the paperwork to the company holding the funds to have them released or tell the company where to send the funds. Instead, they set up another garnishment for an increased amount due to more interest accruing. Another payment ( now an overpayment ) was taken. They finally had submitted the correct paperwork and had all funds released, including my overpayment, to them. They sent a check, but failed to provide a full refund and kept a large portion of my overpayment. I've tried calling and offered to provide proof that the debt was paid in full on time and no additional interest should have been charged, nor should a second garnishment have been claimed, but they've refused to provide the rest of the overpayment and are keeping it.
11/20/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • IA
  • 503XX
Web
I found out that I had been sued by XXXX XXXX XXXX through an attorney who had researched my records online. I have been communicating with XXXX via email. I was laid off in XXXX and I now have a new job with a significantly decreased income. I advised them of this and proposed a new payment. I also advised of a proposed payment plan and that I had a cease and desist in place for phone calls. The debt has changed hands many times and the Gurstel Law firm began contacting me daily. I contacted Gurstel and left a voicemail on their collection department because no one is available. Although this debt is valid, it has been hard to work with many of the various creditors. Even though I have taken steps to communicate, the company does not seem willing to work with me. The debt was originally owed to XXXX and is referenced as such in the attached letter.
11/24/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85546
Web
RECEIVED A LETTER ON XX/XX/XXXX STAMP DATED XX/XX/XXXX FOR GARNSHMENT LETTER GAVE ME 10 DAYS TO RESPOND BACK HOWEVER WHEN I CALLED THE SAME DAY XX/XX/XXXX I WAS TOLD THE FUNDS WERE ALREADY BEING GARNISHED AND THERE WAS NOTHING ELSE TO DO BUT PAY OFF THE BALANCE. I PAID OFF THE BALANCE AND WAS TOLD TO GIVE THEM FAX NUMBER AND THEY CAN FAX ME THE RELEASE OF GARNISHMENT IN 24 HOURS. XXXX HOURS LATER HAVE NOT RECEIVED ANYTHING AND KEEP CALLING AND GETTING THE RUN AROUND. ALSO THIS DEBT IS OVER 10 YEARS OLD WHICH IS ILLEGAL AFTER 4-6 YEARS. I ALSO FEEL ITS VERY WRONG TO GIVE US THE RUN AROUND WHEN WE ARE TRYING TO DO THE RIGHT THING. I ALSO EMAILED WITHIN THERE WEBSITE ASKING ABOUT PAYMENT ARRANGMENTS AND ALSO MORE INFORMATION REGARDING THE DEBT WITH NO RESPONSE BEFORE THE GARNISHMENT. THEY DID ALOT BEHIND MY BACK TO MAKE IT LOOK LIKE WE WERE UNRESPONSIVE.
03/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AZ
  • 85138
Web
I have requested a copy of the contract with my ink signature to prove that the debt Gurstel is trying to collect on is in fact my debt since I have been and currently am in an active XXXX XXXX bankruptcy. I have provided Gurstel with this request via certified mail. In turn Gurstel continues to send correspondence to my previous address in hopes that I will not get it in time and they can get away with not sending the proper paperwork. I will be attending the court date and bringing my own legal representation. The amount of the debt is not the issue here, it is the fact that they have not followed procedure to reach out to my trustee to confirm my bankruptcy and they are violating my FCPA rights. I will not call this creditor as they keep insisting, everything will be done via certified mail so that I have the evidence to provide on our court date.
10/05/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • MN
  • 55446
Web
I received information from Gurstel yesterday XXXX/XXXX/XXXX trying to garnish my wages for a private student loan for XXXX XXXX XXXX. Per attorneys that I 've contacted there is a class action lawsuit against XXXX XXXX XXXX for their collection tactics and they 've been advised to stop all collection efforts on their private student loans until further notice. Gurstel has continued to harass me and try to collect. They are currently sending letters to my employer to garnish my wages. I am currently the head of household and this will cause a severe hardship for me. This loan is over XXXX XXXX XXXX. Please advise what recourse I may have with this company. They have added on {XXXX of interest on a XXXX original loan. They will not accept any payment arrangements that I 've attempted to make with XXXX at Gurstel.
07/16/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • XXXXX
Web
Ten years ago I was given a line if credit from XXXX. During phone application process I was told that I can pay extra to have a protection in case I lose employment. So I signed up and was paying for that. After I lost my job I submitted for that protection. They never responded until years later they started garnishing my wages without any notification. They took money for over a year. After that employment ended I did not hear from them. When u obtained employment last year I called them right away. They refuses to speak to me or work with me. I attempted several times. Then they started garnishing my wages again and claiming same amount after they already garnishes couple of thousand few years back. They did not honor protection I was paying for nor did they want to work with me. thank you for any advice.
10/16/2017 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85035
Web
I have been paying my debt with Gurstel Law Firm XXXX consistently and going by my calculation I have paid more than {$5000.00}. However, whenever I call Gurstel Law Firm XXXX to give me the breakdown of what Im paying off they refuse to do that. I would like to know what Im paying off such as attorney fees court fees, and how much is paid toward the balance. I believe Im being charged frivolous charges thus why the company refuses to give me the breakdown of the balance. I have contacted the company for many months and they keep telling me that they can only send me the total balance without the breakdown. Attached I the letter they have send to me every time have called but it doesnt help me without knowing the breakdown for fees and changes they are charging me. Please help me regarding this matter.
06/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • AZ
  • 85331
Web
Gurstel Law Firm reached out to me last year in XXXX regarding a debt from XXXX on a credit card. I informed them I would settle for {$450.00}, which they agreed through the state attorney general. They wanted me to pay by a certain date, which I responded asking them for an extension because my work hours were reduced due to COVID-19. I never received a response. Gurstel Law Firm is attempting to sue me in civil court in Arizona for over {$1000.00}. I responded through the court that I want to settle the debt for {$450.00} as initially agreed and that Arizona has a statute of limitations on credit card debt. I called Gurstel Law several times asking if they would settle now that I have full time hours at work and I could pay them by XX/XX/XXXX. They refused and said they would settle for 85 %.
09/07/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85757
Web
Gurstel Chargo is garnishing my {$11.00} an hour wages for a time barred business debt ( taken out with a tax is # ) in which I have payment records and income tax returns to prove it was a business debt. When I took out the credit card I asked XXXX XXXX why they did not need my social security number and they said they use the tax ID # instead for business accounts. I called the original creditor XXXX XXXX last night, and they said the debt is not showing up in their records and to fax them a copy of a statement so they can research my account. I received a notice of garnishment on XX/XX/2019 and I sent the response to the court on XX/XX/2019. My employer did not notify me that I was being garnished. I have {$540.00} left to pay bills and eat and gas the car for 2 weeks.
12/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AZ
  • 856XX
Web Older American
I was given a letter in mail stating the request for entry of default judgement without hearing and due to justice court rule they now are asking for funds on an old credit card account. this company Gurstel Law Firm in XXXX Arizona I have dealt with them in the past and they understood I was on social security and own no assets so they dropped the case. now they are here again but the amount owed to creditor differs. I spoke to my legal aid before and they said I should not have notified them at all so that is what I did this second time. they send a " court person '' to serve you with papers but they literally threw the papers at me and I did not even tell them who I was. now I have a Request for entry of default judgement without hearing from this same company
12/19/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AZ
  • 85254
Web
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX XXXX GURSTEL LAW FIRM P.C. Debt under penalty of perjury. Per the FDCPA/FCRA 15USC 1692 e.g. Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
09/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 853XX
Web Servicemember
On XX/XX/2022 I was served paperwork that a case was filed against my spouse and I in court. XXXX XXXX and the lawyer representing them should be fined. At no time prior to this case being filed were we notified of any alleged debt. We did not receive any written or verbal messages to the fact so we could have disputed this and asked for debt verification. Our rights were violated under Regulation F 12 CFR Part 1006. From the onset prior to being served there was no communication from XXXX Gurstel Law Firm or XXXX XXXX of any alleged debt bought from a debt buyer allowing us to be able to dispute and ask for validation. Case should be immediately removed from Arizona court and never to be able to sue me again or my named spouse on court case.
12/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MN
  • 55124
Web
Gurstel Law Firm, with an office in XXXX XXXX, XXXX, has threatened to take me to court over a debt that is now beyond ten years from the original filing. I sent a letter clearly and precisely stating Minnesota State Statutes regarding debt collection limitations, but they ignored that. Theyve now claimed theyll take this back to court. Im XXXX, due to a major bike wreck. Im living on a limited income. I also deal with XXXX. I explained this in my next correspondence, which included a letter of Cease and Desist, which I sent thru the mail with signature confirmation. They once again sent a new letter demanding I answer questions for a law suit they claim will go forward. They violated the rules set by the State. I dont need more stress.
12/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IA
  • 50263
Web
Here is a summary of the situation and the additional information : 1. Submitted initial disputes to XXXX XXXX concerning unauthorized activities on my account. 2. Engaged in multiple follow-up correspondences with XXXX XXXX XXXX emphasizing my request for rectification. 3. Instead of offering a resolution, XXXX XXXX has reported inaccurate information to credit bureaus, adversely affecting my credit profile. 4. I also want to bring to your attention that Attorney XXXX XXXX provided XXXX XXXX with the necessary information required on XX/XX/2023 via certified mail with tracking number : XXXX This submission should have provided XXXX XXXX with the essential information needed to expedite the investigation and resolve the disputes promptly.
09/08/2023 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NE
  • 68134
Web
A debt collection agency sent a summons and order of garnishment in aid of execution without sending a letter stating the amount of the debt or the ability to dispute or what the original debt was for, which was sent to an address of a family member and not my own address of 3+ years. This letter was sent by mail XX/XX/2023 with a response limit of 3 days to an address I do not reside at with no verification of the debt. I have made multiple calls in an attempt to retrieve information regarding this assumed debt. I have also written a letter asking for these documents listed for verification of the debt. I should not be having my wages garnished for a debt I am unaware of let alone with out prior contact or attempt to aware me of this debt.
06/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85041
Web
I am the victim of identity theft and have been constantly harassed for years. Gurstel Lawfirm knew the debt was not mine. Yet, they filed a false debt collection lawsuit with XXXX XXXX XXXX XXXX, never served me with the complaint and summons, and only sent me stuff on default judgement in an attempt to bypass the judicial system in what I am just now finding out is XXXX. They even submitted a fraudulent summons delivery report on XX/XX/2022 from a XXXX XXXX that is probably forged. My wife was home recovery from a XXXX XXXXXXXX between mid XXXX and end of XXXX. No one ever rang our door bell and there were no papers left. I do not owe them the XXXX nor the XXXX because the debt is not mine. Police Report Number : XXXX
04/26/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AZ
  • 85323
Web Servicemember
Threatening My fianc and I with legal action for an unverified and unvalidated debt. We owe no collection to any person or corporate entity. They are harassing with threatening phone calls. Sending mail on legal letterhead. Office is filled with un-licensed people pretending to be attorneys which is an actionable offense. I would also like a complaint send to the Bar Association and Attorney General. Upon researching the firm, They have various complaints of unethical and illegal tactics all over the United States. The company is flagrantly violating peoples rights under the FCRA and committing criminal fraud and extortion. They are also violation due process and violated the civil rights of individuals.
03/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 85143
Web Servicemember
I have sent 3 dispute letters to both XXXX XXXX, XXXX, XXXX XXXX and 3 credit bureaus in regards to failure to verify my account. They have continued not to provide me copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me to account statements which is not a proper form of verification of debt.
05/31/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • MN
  • 55311
Web
Gurstel law firm, fruadulently ran through my bank account cause they obtained it through XXXX XXXX. I was never served of any lawsuit or any garnishment notice. I called them upon noticing that they ran my account without my authorization, neither was i sent an Exemption notice in the mailed. I was never given the chance to dispute the debt for which they are lying about. I called them this morning after learning that my account was fraudulently ran by them, i spoked to a gentleman which was very rude to me and didn't give me chance to speak. I obtained their number from my bank. This company need to be fine and shutdown. XXXX XXXX XXXX is a criminal lawyer
07/04/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Filed for bankruptcy
  • AZ
  • 85017
Web Servicemember
I had a credit card with XXXX XXXX XXXX with a balance of {$2500.00} including costs from Gurstel law firm. The credit card debt with XXXX XXXX XXXX was discharged in a Bankruptcy Chapter XXXX. Gurstel law firm got a judgement against me to garnish my wages. This credit card debt was discharged in a Chapter XXXX Bankruptcy. I've called several times to inform of the bankruptcy. I even left 2 messages informing of the discharged credit card debt. Needless to say Gurstel law firm has not responded appropriately to the improper charge on a discharged credit card debt. The fraudulent action to use the court system to collect debts is unlawful to say the least.
09/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • AZ
  • 85364
Web
2 months ago i was served well my son was left paperwork from gurstel law and he was questions and asked personal information as to who lived here and now todayXXXX i get a letter with my husbands name on a debt when this supposed debt i was not with my husband and they have my sons last name which my son never gave to him he is a minor and i feel harassed as well my husband with his information and my son being questioned this is against the law because a officer cant even question a minor if an adult is not present.they are sending em letters that i have a lawsuit in court and can be sued when i already tried to resolve this and they did not accept
12/11/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • XXXXX
Web
The Gurstel Law Firm PC was hired by the XXXX XXXX XXXX XXXX to file a lawsuit against me for debt owed on a credit card to XXXX XXXX XXXX which I never applied for or used. A court judgment was levied unbeknownst to me on XX/XX/2013 for a total balance of {$17000.00}. I was never served or notified about this balance due and it has never showed on my credit report. The XXXX XXXX firm has submitted documentation to my current employer attempting to garnish up to 25 % of my wages to pay off the balance, which needs to be stopped immediately as this debt & credit card never belonged to me and I believe I have been a victim of Identity Theft.
10/20/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MN
  • 550XX
Web
XXXX XXXX XXXX has sent me yet ANOTHER scam packet through the US Mail. I DO NOT HAVE OR HAVE EVER HAD ANY ACCOUNT AT THIS THIRD BANK THEY NOW SAY THEY HAVE ALREADY GARNISHED AND STOLEN MY MONEY FROM. I HAND DELIVERED A LETTER TO THEM FOUR MONTHS AGO TELLING THEM TO STOP CONTACTING ME. I AM ON SOCIAL SECURITY AND I AM NOT PAYING THESE SCAM PIECES OF XXXX XXXX CENT. I DONT KNOW WHAT THIS SUPPOSED DEBT IS FOR, I DONT CARE. WHY ARE THESE PEOPLE ALLOWED TO KEEP BREAKING FEDERAL LAWS????? The XXXX ALSO NEEDS TO BE INVESTIGATED. THEY HAVE OPTED TO NOT DO THEIR JOBS. THEY ARE ALSO OWNED BY XXXX MONEY GROUPS. FIX THIS XXXX COUNTRY!!!!
02/15/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MN
  • 55106
Web Servicemember
My pay was garnished by Gurstel law firm on behalf of XXXX XXXX for the full amount of money I owed on a debt from XX/XX/2012. I was out on XXXX during the garnishment period and this money was paid from my XXXX XXXX XXXX benefits. While I am relieved to complete payments on a debt I rightfully owe, the original creditor is still reporting my account as unpaid on my credit reports. I have tried contacting the bank customer service with no success. I also disputed the account with the credit bureaus but they are verifying the debt as accurate. I did not receive a garnishment release although they stopped taking my pay.
06/03/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • UT
  • 84092
Web
Someone stole my identity and got a loan with a company called XXXX XXXX. They've been trying to collect it for over 5 years. I've sent documents related to the identity theft four times now and they still are trying to collect. It keeps getting sold off to other debt collection agencies and they keep trying to collect this debt. I will no longer keep sending documents when when I have done it so many times. I believe the original date was XX/XX/2015and approximately {$2000.00}. I did not receive any funds from this company and I will not pay them or any of the five collection agencies that have contacted me.
01/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MN
  • 551XX
Web
XXXX XXXX started to garnish my low income wage by 25 % yesterday without prior notice in any way. They said I owe them XXXX from 2014 which I though that I had paid off. This way not discussed or explained to me in any way. I would be happy to make payment because this garnishment is causing me much harm. It is in dispute currently. They did not follow due process or take me to court or anything. They just starting garnishing my wages without any warning. They will probably say otherwise which is a lie. Can you help me please. XXXX XXXX XXXX. This is Gurstel Law firm phone is XXXX located in XXXX XXXX
03/18/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • UT
  • 84720
Web Older American, Servicemember
XX/XX/2020 @ XXXX MST. Gurstel Law Firm called me, then hung-up on me, as soon as I answered the phone. All I heard was CLICK. This is now the third call/hang-up harassment from Gurstel Law firm. The call came from XXXX ( Gurstel Law ). Was placed to my phone XXXX XXXX XXXX XXXX XXXX. Gurstel Law Firm specializes in debt collection. Why are they harassing me? Why is a Law Firm allowed to flagrantly break the law. Knowing that there will be no consequences? I thought America was a democracy. Everyone was required to follow the law and equally, be held responsible for breaking the law. Is that not so?
10/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AZ
  • 85202
Web
This card was part of a bk ( {$3800.00} XXXX XXXXXXXX XXXX XXXX ) Gurstel Law Firm P.C. sends me to voice mails. Agents not willing to help resolve and is hindering the owner of the property to refinance, causing hardship to me and the property owner. I have sent the docs they request and still no action. I feel this company is purposely causing this hardship and their process is to hurt consumers during their recovery. - Request for Lien Removal Attached is a copy of the court doc removing our attorney THURSDAY, XX/XX/2020 XXXX XXXX XXXX3rd Written Request - multiple calls no return>
12/13/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 55811
Web
Gurstel law has not only harassed me illegally, they have contacted my employer prior to contacting me, they did not send me any disclosures, they did not send any verification of the debt, they did not send option to dispute, they only sent me an exemption form and they sent this 7 years after they started harassing me. They also had the wrong address and wrong information thst lead me to believe this was not legit. Also years ago I sent them an exemption notice, so I already told them I'm exempt from garnishment and yet they still harass me. They are threatening me at my work place.
08/27/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • AZ
  • 85021
Web
I have about a stacks of letters about other people 's information that the company Gurstel Chargo send to me wrongly and I never received my information correctly. Gurstel Chargo has it wrong with my identity. I have send you overwarming information in the past but they choose to go ahead with erroneous information. I took a picture of the information of other clients they mistake me for just to prove they have it wrong. Gurstel Chargo are spamming other peoples sensitive and financial information. I sent picture and police report to prove that is this a mistaken identity.
09/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AZ
  • 85014
Web
Gutel Chargo has gotten a garnishment on my wages. I was never notified of any court proceedings, even the post marks on the documents from the collection agency of the court decision are dated after the garnishment started. The wages being garnished are @ 70 %, plus 25 %, the judge did not care Im recovering from XXXX and a XXXX XXXX, or the fact that this has left me at the point of eviction, since the case, the court, it was all done without my knowledge, in a court out of jurisdiction, in absentia. The XXXX XXXX XXXX court is also not providing any option to appeal.
01/15/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MN
  • XXXXX
Web
I have been contacted about a debt that was originally from XX/XX/XXXX. The original debt was from XXXX XXXX for {$1700.00}. The debt then was renewed for an additional 10 years on XX/XX/XXXX by XXXX XXXX XXXX and now the debt is being represented by Gurstel Law Firm and they are trying to extend it another 10 years and has sent me a letter on XX/XX/XXXX trying to collect it. I have already sent them a response that I do not recognize this debt. This is the second letter in the last 6 months and the first case they have gone ahead with proceedings to garnish my wages.
10/09/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • AZ
  • 85298
Web
This company is a complete joke. The statue of limitations to sue on this debt has been expired but they were granted a judgement even after submitting all my answers with the court. The statue of limitations in AZ is 4 years on auto debt. The date of last activity was XX/XX/XXXX. It is XXXX of XXXX. Even after letting them know i am not working and can not fulfill their XXXX XXXX monthly payments they are not willing to work with no one. I am almost positive they lied and stated they did not receive my disclosures statements in the mail because this is unethical.
12/31/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MN
  • 560XX
Web
Hello and thank you for your time! I just received a notice of Garnishment/Garnishment Summons in the mail. First off this debt is 13 or 14 years old, well past the statute of limitations. Most importantly, I wasnt given due process to speak on my behalf. Apparently a judgement has been leveled against me for this garnishment but I never received notice of a hearing or had any chance to fight. This is debt thats been bought by one of those scavenger junk debt companies, Im not even sure this debt is mine, especially with the amount theyve been awarded!
08/03/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92782
Web
In XX/XX/2018 Judge XXXX XXXX from Superior Court of CA granted in full the claim of exemption for wage garnishes. Judgement Creditor XXXX XXXX was directed to release monies held to me the judgment debtor. In XX/XX/XXXX this year I received a letter from Gurstel Law Firm stating they will renew the judgment for another 10 years!! I wrote a letter to them stating that I do not owe this debt. I dont know who XXXX XXXX XXXX are but they keep harassing me for this debt. They have not sent me any verification to validate debt to be collectible. Please help me!
11/10/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AZ
  • 85283
Web
I XXXX XXXX received a debt collection notice from a XXXX XXXX XXXX of Gurstel Law Firm P.C. stating that they were attempting to collect an alleged debt. Pursuant to Title 15 U.S.C 1692e ( 3 ) no debt collector shall give the false representation or implication that any individual is an attorney or that any communication is from an attorney in regards to the collection of a debt. Further more if so it is illegal for an attorney or official of the court to act as a debt collector. As a consumer this is very misleading to me.
12/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AZ
  • 85051
Web Servicemember
Gurstel law Firm P.C. Has filed a summons against me. They claim I owe {$690.00}. I have not heard of this Agency before. I have not received any letters from the original creditor in the last 2 years. XXXX XXXX. I have not received any letters from any Debt collector in regards to XXXXXXXX XXXX in the last 2 years. I don't feel I owe this amount. And I want to see the original Amount from the original creditoXXXX XXXX XXXX I feel that Gurstel law Firm is making up numbers to get more money from me.
04/25/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • NE
  • 68111
Web
As of XX/XX/2020, Gurstel Law Firm P.C. ( XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ) received account, tried to make contact with Gurstel on several different days to make payment, but no account info can be accessed or released. No one will return my phone calls and everyday they delay payment, my credit is being effected. Also the original creditor is still reporting negatively, so I tired to pay them, but they refused payment because account was charged off and sent to Gurstel Law Firm
05/05/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MN
  • 55417
Web Servicemember
Im receiving letters and telephone calls of harassment, abusive and profane language, garnishment of bank account, death threats and threats of being sent to jail and prison continuously from attorneys at Gurstel Law Firm, a debt collection law firm, for a debt that is not my debt and is the result of identity theft. The debt is a fraudulent debt and isnt my debt. Gurstel Law Firm is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law.
03/02/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • UT
  • 84115
Web
I have been sued by Bank of America and the response to motion for summary judgment, letters to credit reporting agencies and attorney attached. 1. Trying to Failing to remove negative credit reporting during period required by the FCRA and FDCPA. 2. Failing to provid e me with legal document that gives authorization for Gurstell Law firm to collect on their behalf. 3. Purposefully destroying the application audio after a dozen complaint calls to fix the interest rate charged.
08/28/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MN
  • 55404
Web
Gurstel Law Firm sent summons and specifically requested I send response to them. I did so within the 20 days. Only to see that they went and got default judgement, but a couple of days later after I had called someone at the firm, I noticed they had filed a request to vacate judgement. Even though it was vacated, I feel like it was an intimidation tactic. That record, even though vacated is available on the internet.I 've tried calling several times but can't seem to get anyone.
01/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MN
  • 551XX
Web Servicemember
My check has been garnished and debt almost completely paid. XXXX XXXX Was told debt was from an account with XXXX XXXX XXXX. That bank closed in 2008. I have no idea what debt is for. I filed bankruptcy in XXXX. Tried to do paperwork to have someone explain to me why I owe this and filed wrong paperwork. Tried to hire an attorney and paid for legal work that has not been done and no refund issued. XXXX $ there. Almost XXXX in 2 months over XXXX ... .still no answers.
11/10/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • MN
  • 55337
Web
Gurstel-Chargo hand delivered a paper that looks like an official county document with the words " you are being sued '' and more literature describing the debt. I was not home and they delivered the document to my Landlord. The document was not in an envelope or any other covering. It is a misrepresentation of a summons to district court and has in bold print on the front page " you are being sued '' I have sent them {$600.00} in payments in the last month already.
09/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91770
Web
I received a letter ( XX/XX/2023 ) that my wages would be garnished. I never had a warning, court date, trial date, information about a debt at all. My XX/XX/2023 check was garnished by {$2100.00}. I called the Guster law firm and spoke with XXXX XXXX who said it was a XXXX XXXX account for an outstanding judgement for {$5400.00}. I do not have a XXXX XXXX account. This is Fraud. This company is in violation of the Fair Debt Collection Practices Act.
01/05/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 52402
Web
Gurstel Law Firm asked me to make an offer on my debt. I made one of {$10000.00}, which was ignored. I then made another offer of about 40 % of the debt due the original creditor, which I had settled a different debt at 40 % with. I informed Gurstel Law Firm that I expected a response to my proposed settlement within five days, or I would consider the debt invalid. I received no such response, and Gurstel Law has continued their lawsuit against me.
10/15/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 857XX
Web
I am receiving letters about a debt that belongs to my significant other. We are not legally married nor are we tied together financially. I have called the company and so has he to let them know and they continue to send me threatening letters. They have now sent me a letter threatening to garnish my wages. He is paying the debt and they continue to send threatening letters. Id like to pursue legal action at this point.
05/21/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85027
Web Servicemember
The Gurstel Law Firm, a debt collector with offices in Arizona, has attempted to collect a debt that it knew or, should have known was the result of identity theft. Gurstel Law has used the court system to intimidate me and my family into paying a debt for which we're not responsible. The firm has acted extra-judicially in attempting to collect a debt from those who are not responsible for the debt.
11/06/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • AZ
  • 85255
Web
I was served with a Summons in Civil court by Gurstel Chargo P.A XXXX AZ in regards to a debt with XXXX. While I did have a credit card with them, it was paid on time each month & then paid off. I have not received a bill or phone call regarding any remaining debt in over a year. The first notification was this Summons. It threatens to garnish wages or seize property if not responded to.
01/11/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • CO
  • XXXXX
Web
Called gurstel law firm in XXXX to report garnishment was taken on my mothers checking account who is on XXXX. She is on a fixed income and they took over $ XXXX out of her only income I called again in XXXX and XXXX no resolution except the garnishment was disputed. Called in XXXX and they said there is still a balance and they can not do anything about the fact she is on XXXX
07/20/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 945XX
Web
XX/XX/2023 your law firm received a letter offer to opportunity to cure, I mailed via US certified mail. The additional 20 days I granted you has passed. I have gave your law firm the opportunity to correct your wrong doings after your ongoing false and misleading actions in attempts to collect an alleged debt from me, But still no proper response has been received from you.
03/14/2023 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 95125
Web Older American
I have responded to them numerous times and now they are threaten me to take me to court. I do not recognize the debt. Nothing in the papers they sent me reflects my signature. They have requested personal information I do not feel approiate to send them for something I do not know about. Im un a limited income and only receive Social Security. The file # is XXXX
08/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • AZ
  • 86442
Web
Gurstel Attorney has tactics that involve illegal and harassing practices. Exempt monies in my back account have been frozen. I dont have paperwork with dates or legal signatures on them. This attorney is trying to take over XXXX XXXX dollars of my savings that came from XXXX XXXXXXXX benefits social security back pay that I received after years of fighting for.
11/06/2015 Yes
  • Debt collection
  • Non-federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85122
Web
i am being garished out of my payroll 25 % very two weeks i can '' t keep up. Gurstel Chargo ( attorneys at law ) have my student loan looking like a Child support case to the courts in STATE OF ARIZONA, XX/XX/XXXX OF EACH MONTH, I PAYED XXXX. XXXX A MONTH UP UNTIL XX/XX/XXXX THEN THEY WANT XXXX SO PLEASE HELP US I CAN '' T PAY MY OTHER DEBT BECAUSE OF THEM
08/15/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MN
  • 55406
Web
I owed an amount of {$950.00} to XXXX XXXX. This account was opened in 2015. This bank was closed, and my delinquent account was sold. I am being sued by a law office that I was never in contact with. The bank is no longer in business and I do not have a contract with this law firm. They are suing me for the amount above. Can you help?
11/28/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 55410
Web
I received a notice on my credit score about a debt. I called Gurstel Lawfirm PC to ask them to send me written proof that the debt was mine. I have contacted them 3 times to try to get this information and still nothing. I am trying to purchase a home and need this off of my credit in order to do so.
07/09/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91304
Web
Gurstel Law Firm has contacted the wrong person at the wrong address in an attempt to get money for a debt that was setup fraudulently. This company has made threats time and time again. If Gurstel was so credible, they would know the information they sent went to wrong person at the wrong address.
02/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MN
  • 565XX
Web
A law office continues to try and collect a debt that is over 7 years old. I have disputed the debt online and I believe it has been removed ; however, this company continues to send letters. I have also provided, several times, proof that I am on public assistance, and an exempt from collection.
10/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AZ
  • 85204
Web
On XX/XX/2021 at XXXX, XXXX XXXX , a representative of XXXX County , spoke to my husband about my supposed debt. He served him with papers from Gurstel Law Firm. Additionally, all of the information is inaccurate. My name is incorrect, as is my husbands name and age that XXXX took down that day.
06/05/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • WI
  • 534XX
Web
On XX/XX/2023 a credit card company had filed a small claims suet against me. This debt is being payed through a legal action in Wisconsin called XXXX XXXX. I discovered the suet on XX/XX/2023 and I immediately had the XXXX XXXX trustee contact opposing counsel to stop these proceedings.
07/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 85742
Web
My husband received an affidavit of renewal of judgment few days ago. It so happened that I pulled our credit report because we are looking into buying a house, well on that credit report it shows that its been satisfied since XX/XX/XXXX. We 've paid this off. So now we are being sued.
01/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • MN
  • 56601
Web
Attempting to garnish a second time, under mn law they are allowed to garnish for 70 days and never again. They garnished for 70 days starting XX/XX/2019 and now are attempting to do so again. The court has not cleared any such action. Sending the notice alone is a violation of FDCPA.
06/22/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 945XX
Web
This is my DEMAND LETTER to Gurstel Law Firm P.C. and the attorneys at the Law Firm who have violated Fair Debt Collection Practices Act. Please see attachment for detail of list of attorneys and proof showing which federal violations they committed.
08/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • UT
  • XXXXX
Web
Gurstel law firm continues to send request to pay alleged debts that were due to fraud including amended complaint to the XXXX DISTRICT COURT in XXXX UTAH. XXXX XXXX has all the police reports and FTCID theft reports XXXX. DELIVERED XX/XX/2019
12/04/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85033
Web
Never received written verification of debt called repeatedly ring twice hung up violated fair debt act they will not work with you all they want to do is garnish your wages there above the law judge don't care they violated the fair debt act.
03/09/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • UT
  • 84720
Web Servicemember
Harassing Phone Call received from Gurstel Law Firm ( Phone # XXXX ) on XX/XX/2020. At XXXX MST Phone rang twice. Caller hung up as soon as I answered. Gurstel Law Firm is representing XXXX XXXX XXXX in an attempt to collect a debt.
05/23/2023 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you instead of your attorney
  • MN
  • 553XX
Web
Attorney is threatening to garnish my wages for an unsecured debt thats 10+ years old and that I dont believe I owe. I have tried calling the attorney but they havent responded. I prefer that they work through my attorney.
05/23/2023 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you instead of your attorney
  • MN
  • 553XX
Web
Attorney is threatening to garnish my wages for an unsecured debt thats 10+ years old and that I dont believe I owe. I have tried calling the attorney but they havent responded. I prefer that they work through my attorney.
11/16/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AZ
  • 85546
Web
I had a repossession in XXXX and now there is a debt collector is garnishing my bank account for a total amount of {$26000.00} for a XXXX XXXX XXXX. I contacted XXXX XXXX and they do not have anything of a debt from me.
12/03/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • AZ
  • 85353
Web
I received a charge, which Im guessing is wage garnishment for a total of {$410.00}. I received this from Gurstel law firm pc. Never heard of them or from them till I was charged and I have no idea what it is for.
10/30/2023 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
  • MN
  • 562XX
Web
I have not lived in XXXX since XXXX of 2019. XXXX XXXX XXXX XXXX sued me in XXXX XXXX XXXX. I currently live in XXXX. I have requested the purchase agreement for the debt and proof of service of the court summons
12/10/2017 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Keep getting calls about your loan
  • MN
  • 554XX
Web
Collector XXXX XXXX in MN continues to try to call and collect on a loan involved in a lawsuit with XXXX XXXX XXXX ... collection is suppose to cease until further notice on loans with XXXX XXXX XXXX
04/28/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IA
  • 502XX
Web Servicemember
XXXX XXXX XXXX is collecting on a debt that has been paid. XXXX sold accounts to XXXX XXXX, I have number of accounts showing up under XXXX. These are accounts for as early as 2002.
04/16/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 92020
Web
The consumer received a letter from a law firm disclosing as a debt collector trying to collect a debt. I have no known transaction or contract made with this company.
11/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 514XX
Web
I sent a dispute to gurstel law firm and they never responded back and they started a lawsuit without giving me the opportunity to dispute the validity.
01/08/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85024
Web
On or about XX/XX/2020 I received a notification of a debt due. This debt is not valid and I demand Gurstel cease all collection attempts
04/28/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 95901
Web
Sent a letter to a former address informing me of a debt with a random amount owed from a 2001 account that was paid!
01/29/2024 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MN
  • 551XX
Web
12/22/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • UT
  • 84116
Web
12/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92648
Web
10/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85249
Web
09/13/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 94564
Phone
08/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • 92616
Phone
08/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • UT
  • 84120
Web
07/11/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WI
  • 53217
Web
06/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MN
  • 55432
Web
06/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85015
Web Older American, Servicemember
05/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AZ
  • 85017
Web Servicemember
05/09/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • AZ
  • 85017
Web Servicemember
05/09/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94080
Web
05/01/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53208
Web
04/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IA
  • 52722
Web
04/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MN
  • 55060
Web
02/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • MN
  • 55106
Web Older American
02/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85054
Web
01/20/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85022
Web
01/12/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92377
Postal mail
11/23/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90044
Phone Older American
11/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NE
  • 68128
Web
08/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94107
Web
07/25/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 94403
Web Older American
06/22/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85224
Web
05/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85296
Web
04/27/2022 Yes
  • Debt collection
  • I do not know
  • 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
  • MN
  • 55412
Web Servicemember
04/11/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85308
Referral
03/31/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MN
  • 56301
Web
03/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MN
  • 55939
Web
03/04/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MN
  • 56301
Web
12/30/2021 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • UT
  • 84009
Phone
11/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85207
Web
10/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85712
Web
08/27/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AZ
  • 86409
Web
07/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85053
Web
06/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85355
Web
04/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AZ
  • 85249
Web
02/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • 68135
Web
02/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • 68135
Web
01/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • UT
  • 84339
Web
09/05/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85635
Web Older American
09/01/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85255
Referral
06/23/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • CA
  • 92563
Web
04/23/2020 Yes
  • Student loan
  • Private student loan
  • Struggling to repay your loan
  • Can't get other flexible options for repaying your loan
Phone
03/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • UT
  • 84115
Postal mail
03/29/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 94589
Web
03/05/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IA
  • 52619
Web
03/02/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • AZ
  • 85029
Web
02/20/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MN
  • 55376
Phone
01/29/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AZ
  • 85233
Web
01/16/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • AZ
  • 85069
Web
01/09/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 55429
Postal mail
11/27/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85041
Postal mail
11/21/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 55442
Web
11/19/2019 Yes
  • Debt collection
  • Private student loan debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TN
  • 37075
Web
09/25/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NE
  • 68134
Web
07/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 90034
Web Servicemember
07/11/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NE
  • 68801
Referral
06/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
Phone
06/24/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • MN
  • 55426
Web Servicemember
06/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AZ
  • 85615
Web
03/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • 68134
Web
03/23/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CO
  • 80209
Web
10/23/2018 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • AZ
  • 85016
Postal mail
10/15/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85120
Web Older American
09/19/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • 68135
Web
06/26/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 86305
Referral
05/15/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • AZ
  • 85233
Web
04/17/2018 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • MN
  • 55362
Web
04/17/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85208
Referral
04/02/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MN
  • 55448
Web
03/28/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • AZ
  • 85204
Web
03/02/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85202
Phone
03/01/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85002
Web
12/16/2017 Yes
  • Debt collection
  • Private student loan debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • IA
  • 52001
Web
12/12/2017 Yes
  • Debt collection
  • Federal student loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • FL
  • 33040
Referral
12/08/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AZ
  • 85643
Web Older American
08/03/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85249
Referral
07/18/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AZ
  • 86401
Postal mail
05/14/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • UT
  • 84095
Web
04/27/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 55118
Postal mail
04/18/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 86323
Referral
03/27/2017 Yes
  • Debt collection
  • Auto
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • AZ
  • 85021
Web Older American
03/16/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85029
Postal mail
12/09/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MN
  • 55379
Web
12/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • MN
  • 55408
Postal mail
12/07/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MN
  • 55417
Web
10/11/2016 Yes
  • Debt collection
  • Auto
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • AZ
  • 85139
Fax
06/21/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 85250
Referral
05/12/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MN
  • 55421
Web
03/31/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 85255
Referral
03/16/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85249
Web
03/10/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MN
  • 55125
Referral
02/11/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • AZ
  • 85255
Web
01/21/2016 Yes
  • Debt collection
  • Federal student loan
  • Communication tactics
  • Threatened to take legal action
  • AZ
  • 85268
Web Servicemember
12/15/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MN
  • 55378
Referral
11/12/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 85756
Referral
09/21/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • IA
  • 51639
Web
09/14/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • AZ
  • 85392
Web
08/18/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Called after sent written cease of comm
  • AZ
  • 85204
Postal mail
08/04/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • MN
  • 55016
Web Older American
07/13/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 85339
Phone
06/19/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MN
  • 55430
Phone
02/23/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 85301
Web
02/17/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85142
Web
02/05/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IA
  • 52722
Web
02/03/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • KS
  • 66104
Web
11/19/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85641
Web Older American
10/10/2014 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • AZ
  • 85297
Web Older American
08/21/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MN
  • 55746
Referral
08/14/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • MN
  • 55369
Web
07/24/2014 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • MN
  • 56073
Web
07/23/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MN
  • 56320
Web
07/09/2014 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85258
Web
05/30/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • MN
  • 56098
Web
05/13/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MN
  • 55011
Web
04/14/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • MN
  • 55008
Web
03/31/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MN
  • 55112
Web Older American
03/26/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • AZ
  • 85207
Web
03/18/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 86409
Postal mail
03/17/2014 Yes
  • Debt collection
  • Auto
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • NE
  • 68134
Web
03/14/2014 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MN
  • 55379
Referral
03/13/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MN
  • 55359
Web Older American, Servicemember
02/13/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • MN
  • 55347
Web
02/05/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • AZ
  • 85706
Fax
02/03/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85016
Phone Older American
02/03/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 85706
Fax
11/16/2013 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Indicated shouldn't respond to lawsuit
  • WI
  • 54601
Web Older American
09/06/2013 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • AZ
  • 85234
Web
08/23/2013 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • MN
  • 55115
Web Servicemember