Hood & Stacy, P.A. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/23/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	AR 72209	Web
i asked, via requests for admissions, are plaintiff 's attorneys and the law firm debt collectors per arkansas code annotated 17-24-502 [ 5 ] [ a ] and 15 u.s. code 1692a [ 6 ]. the response was no. at the motion hearing, plaintiff 's attorney stated the law firm, nor the attorneys are parties to the law suit, only filed the law suit on behalf of plaintiff. i said, sure, but you still are liable under the codes per the latest u.s. supreme court decisions : XXXX, XXXX ; XXXX ; and other similar cases declaring, 'any person who regularly engages in debt collection activity, including litigation, ' is a debt collector per the arkansas and federal codes. nonetheless, the judge dismissed my counter-claims, saying he is not stating the supreme court justices were wrong in their decisions, but stated he does not believe the attorneys are debt collectors, simply because they filed a complaint for an alleged breach of contract. because the complaint had the statement 'this communication is from a debt collector, ' this gave me the impression the action was real. however, upon asking the question of affirmation to being a debt collector, the answer was no. what was i to believe at this point, the claim was not valid and could not be brought or maintained due to this discovery of the status of the attorneys who filed the claim against me? he also struck the documents i provided proving they are debt collectors, which came from their web site : hoodandstacy.com because the attorney said they were not authenticated, even though they have been doing the same for more than 20 years. each document i filed has a notarized certificate of service, this is authentication ; otherwise, what good is the lawyer 's signature on the certificate of service, other than authenticating the documents served. further, if the documents were not authenticated, this means the information on the web site is not authentic, a further reason to state a breach of the fair debt collection practices act for false and misleading information. the judge told me i could take up his dismissals on appeal. per arkansas code 17-24-507 and 15 u.s. code 1692f - unfair practices by filing the form with the above language, then stating they are not debt collectors, this is an unfair and an unconscionable means to collect or attempt to collect any alleged debt, which i told the judge, but he ignored me. per arkansas code 17-24-506 et seq and 15 u.s. code 1692e et seq by filing the complaint with the statement 'this communication is from a debt collector, ' then denying being debt collectors, this is using a false, deceptive and misleading means in connection with the collection of an alleged debt. also, falsely represents the legal status of an alleged debt, taking action, because they claim to not be debt collectors, which can not legally be taken or that is not intended to be taken. further, delivering the complaint with the mentioned phrase, creates a false impression as to its source, authorization, or approval. also, by filing the complaint with the said phrase, denying being debt collectors, this is a deceptive means to collect and to obtain information concerning me. per arkansas code 17-24-511 and 15 u.s. code 1692j by filing the complaint with the statement 'this communication is from a debt collector, ' then denying being debt collectors, this is furnishing a form knowing the form will be used to create the false belief that a person other than the alleged creditor is participating in the collection of or in an attempt to collect an alleged debt, when the person is not participating in collecting or attempting to collect the alleged debt.
03/03/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	AR 727XX	Web
Just over three years ago, I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, AR, which turned out to be over 23,000.00 dollars. The finance officer, at the dealership, completely forged the loan agreement. I told the individual that I had been on XXXX since XX/XX/XXXX and had only {$1300.00} per month, and that I had a home mortgage of {$560.00} dollars. He told me I was getting the best financing available and I would not have to worry about making the payments. It was then he began his bait and switch. Without showing or telling me what the APR, monthly payment, he stepped out of his office, as I waited ; he " flew '' back in and said, " I have an awesome deal for you! '' He hid the top half of the contract with a piece of paper and told me that I would get a {$2600.00} dollar 10-year bumper-to-bumper warranty, a PTFE resin coating for the exterior paint, and XXXX for the interior. He said that it would all be free, provided I signed that agreement. My head was " spinning '' and he sent me out the door with the keys of the vehicle in my hand and the paperwork - or so I thought. When I arrived home, I looked into the packet with the paperwork and the only documentation that was inside was information on XXXX. I called the finance officer, at XXXX XXXX, the next day and asked him where the documentation was and how much I was being charged per month. He told me that he did not know and I should contact XXXX XXXX. XXXX XXXX sent me the contract within a few days. I contacted the finance officer at XXXX XXXX and asked him, " Why did you lie to me and why did you do this egregious act? '' He told me, " Hey, that's business. '' I told him that I was going to park the car on his lot and leave the keys there and he replied, " Do what you want, it's your car now. '' I could not afford the {$450.00} dollars per month to keep the vehicle and survive at the same time. The vehicle was repossessed in XX/XX/XXXX and XXXX XXXX accuses me of a deficiency of over {$8000.00} dollars. Now, I am not an attorney and do not know the laws here in Arkansas so I tried to work with XXXX XXXX. To no avail, XXXX XXXX is suing me for deficiency of payment. XXXX XXXX has hired attorneys in XXXX, AR. They have tried to garnish my XXXX money and now are trying to put a lien on my home. How could one explain that an honest bank would actually approve a loan of over {$23000.00} dollars when an individual lives below the poverty level and only collects just over {$16000.00} per year on XXXX? Both XXXX XXXX and XXXX XXXX colluded together as they knew I could not make the payments with this predatory loan.
04/04/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AR XXXXX	Web
On XX/XX/XXXX I spoke with a representative in the XXXX XXXX XXXX department regarding a car I had leased with them but was totaled. Insurance paid all but {$3600.00}. I contacted them inquiry about a settlement on the balance owed at which time the representative informed me that the account had been transferred to a third party agency for collections, XXXX ( Hood & Stacey ). I was informed that the account was referred to XXXX in XX/XX/XXXX. I did not know this until yesterday and had sent several account dispute through XXXX and XXXX and each time XXXX XXXX verified the debt and stated they were still collecting on the debt. On today, XX/XX/XXXX I contacted XXXX ( Hood & Stacey ) regarding my account at which time I informed the representative that I had not received a telephone call, email, or letter regarding them collecting on my account for XXXX XXXX. The excuse I was given was that there was a lot of back and forth between them and companies. The did not state which companies but did acknowledge they have not communicated with me regarding the debt which means I would have not have had any knowledge of who now owns my account. They have had my car for two years and not contacted me.
10/14/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	OK 74137	Web
I have been receiving threatening mail correspondence from Hood & Stacy attorneys at law regarding an alleged debt - account that was opened back in 2004. This account was disputed to the financial institution due to identity theft. Now, this office is attempting to collect the amount of {$8000.00} for charges that I am not liable for. I asked them for verification of the debt, and they sent me a contract agreement containing a forged signature, which by all means is not my real signature. They also provided me with an address that I did not have at the time I supposedly opened this account. I also ask them to provide me with details of how the amount was calculated since I was curious, and they failed to do so. Now, I am receiving harassing correspondence from this office, and I would like for them to stop any collection activity since I am not liable for any portion of the debt.
09/07/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	AR 729XX	Web
Paid back in the fall of XXXX to a debt collecter, sold again after paid to XXXX and XXXX in XXXX XXXX, AR they apparently filed a judgement but never tried to collect, I went around and around with them and XXXX finally got it clear up and off my credit record bought and sold three houses in XXXX some debt collector name Hood and XXXX XXXX, Ar refiled a judgement on me that has kept us from selling our house. Debt collector made mention in letter why I thought it was paid. I do n't keep records that long but I did contact my bank where I bought and sold home it shows paid, verified by the credit bureau and show on my credit report in paid status with the date, I have ask hood and XXXX to verified this debt and they refuse, but continue to hold judgement on me. I have called there office they have went from XXXX to XXXX to XXXX
10/29/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MO XXXXX	Web	Servicemember
Auto loan company came to my residence on private property and took my vehicle without my knowing. The company also did not give me the opportunity to remove personal belongings and private documents containing personal information. The company still will not let me have my personal belongings. The representative I spoke to over the phone said tough luck and I also was not notified that I was being sued and I never received any sort of documentation for the court date and I received a notification of judgment through the mail. I still have not been able to connect with and resolve the issue of my personal and confidential belongings.
08/14/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AR 72223	Web

06/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73109	Web

05/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OK 74429	Web

03/03/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OK 74429	Web

06/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	KS 66204	Web

04/30/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 73099	Web

12/14/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship		Phone	Older American, Servicemember

08/14/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73099	Web

08/10/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OK 73072	Web

01/15/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OK 73013	Web

09/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AR 72703	Web

12/27/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	KS 66614	Postal mail

10/06/2018	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	OK 74003	Web	Servicemember

07/26/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AR 72209	Web

01/28/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AR 72584	Web