Jacob Law Group, PLLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/17/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	MS 392XX	Web
XX/XX/2022 My mother called me and said that there is a letter there for me and that it's from a lawyer. I proceeded to ask her to open the letter and it was a letter for a debt from a company that has been causing all this mental stress for a debt that I know nothing about. I have asked these people to send verification of this debt and they have failed to do so. I have repeatedly tried to dispute this bogus bad debt that is ruining my good name and hindering my well being. Jacob Law Group LLC is now doing what XXXX is doing and it's draining my will to live. I want these people to investigate and send me a signed document showing that i signed up for this now bad debt from all parties involved and I have yet to get that. I am sick of these people trying to collect a debt that I know nothing of. 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1 of this title. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. 15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five 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 -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) 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 ; ( 4 ) 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 ( 5 ) 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. I just ask you to send me the copy of my signed contract ( VERIFICATION OF THE DEBT ) for account # XXXX with my signature on the original debt as the law clearly states you must ... .and if not DELETE this and go on about your way.
05/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MS 39532	Web
Jacob Law Group , PLLC ( lawyer/debt collector ) 1. Jacob Law Group , PLLC sent me a ( non-certified mail ) computer generated unsigned collection notice ( dated for XX/XX/XXXX ) stating that they are a debt collector attempting to collect a debt. I was confused because when I read it as being a law group, I thought I was about to be sued. I thought to myself how can they be a lawyer 's office and a debt collector at the same time -- really had me worried and confused. They sent me a collection letter for a debt allegedly owed to XXXX XXXX for {$620.00} that was discharged in my bankruptcy ( XXXX ) XX/XX/XXXX ( XXXX # XXXX ). I received the letter in my mailbox on XX/XX/XXXX. 2. I responded by sending them a validation of debt and proof of claim letter ( dated for XX/XX/XXXX ) by certified mail ( # XXXX XXXX XXXX XXXX XXXX ) and stated to them that they are trying to collect a debt that was discharged in my bankruptcy. Jacob Law Group, LLC received it on XX/XX/XXXX. 3. I received a non-certified mailed response to my validation letter ( dated for XX/XX/XXXX ) from Jacob Law Group, LLC in my mailbox on XX/XX/XXXX stating that the Current Creditor is XXXX XXXX XXXX ; Original Creditor : XXXX XXXX XXXX XXXX. and enclosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 4. I responded by sending certified mailed ( # XXXX XXXX XXXX XXXX XXXX ) mailed on XX/XX/XXXX Demand for Debt Collector Declaration and Proof of Claim letter ( dated for XX/XX/XXXX ) and Notarized Affidavit ( notarized XXXX XX/XX/XXXX in XXXX XXXX, XXXX XXXX. 5. On XX/XX/XXXX, I was walking to my apartment door and noticed a paper on the ground ( I video recorded the paper on the ground in front of my door ). I read the words on the paper and it said Justice Court Summons for XXXX XXXX XXXX CO JACOB LAW GROUP PLLC XXXX XXXX XXXX -- DECLARATION : Total demand {$620.00} PLUS {$81.00} court costs PLUS INTEREST and have there this writ. The court date is set for XX/XX/XXXX at XXXX am at JUSTICE COURT XXXX XXXX XXXX, XXXX, XXXX XXXX. I am being summons to court after I responded to JACOB LAW GROUP telling them that this was a discharged debt and as validation and proof of claim which I clearly stated in my first response that I was disputing this debt and collections must cease. I have been very stressed, getting no sleep, and I don't know who saw or looked at that paper that was on the ground at my door. I felt very, very humiliated and ashamed. I am also sending a debt validation notice to other debt collectors who have sent a collection letter or are trying to contact me to pay this same debt that was discharged in my bankruptcy. The following collection agencies and their collection letters date are all listed within this time frame of XXXX to present of trying to collect this same debt. A. XXXX XXXX XXXX ( reported this debt on my XXXX consumer report with status updated XX/XX/XXXX discharged in bankruptcy ) [ So they had full knowledge of the debt being discharged in bankruptcy. ] Other owners of this account : XXXX XXXX, XXXX and XXXX, XXXX ; XXXX XXXX XXXX XXXX ; and XXXX Originator XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX JACOB LAW GROUP , PLLC XX/XX/XXXX XXXX XXXX XXXX XXXX ( After I mailed XXXX the first response, I received 2 notices from this company XX/XX/XXXX stating that they " received a recent inquiry regarding the above account... and have enclosed the account summary which provided verification of debt. '' They also sent the same XXXX XXXX XXXX XXXX XXXX XXXX dated for XX/XX/XXXX and an Account Summary Report dated for XX/XX/XXXX at XXXX PM with the following Account Information ( the original creditor : XXXX XXXX XXXX ; Origination date : XX/XX/XXXX ; Charge-off date : XX/XX/XXXX ; Charge-off amount : {$620.00} ; Account acquired on : XX/XX/XXXX ; and, account balance at time of acquisition : {$620.00}. In my debt validation letter and demand letter, this company has not sent me anything proving that they own this debt and have full knowledge that this debt was discharged in a bankruptcy and they are still harassing me with a law suit after I have given them proper notice. ATTACHMENTS : I have attached a screen shot of the debt being reported to the consumer reporting agency.
01/25/2018	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	AL 367XX	Web
My name is XXXX XXXX XXXX. I was audited by the Mississippi Department of Revenue for the tax years of XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX and found to owe a little over $ 5K. I was notified of this debt in XX/XX/XXXX. I was in the middle of Chapter XXXX bankruptcy, which was discharged in XX/XX/XXXX. I also had no job. Unknown to me, my debt was turned over to the XXXX XXXX XXXX in XX/XX/XXXX but I was not informed until XX/XX/XXXX. I paid {$100.00} toward that debt via my XXXX debit card on the phone with the XXXX XXXX and received a confirmation email. It is also reflected on my bank statement. In XX/XX/XXXX, I received an email that in the opening statement says, " This will confirm that on XX/XX/XXXX, you gave our office checking information over the phone from the XXXX XXXX XXXX XXXX XXXX per the SCAM outlined below. '' It is completely untrue and without merit. I ignored the email. On Friday, XX/XX/XXXX, I received a phone call from XXXX, Mississippi, from someone in the XXXX XXXX, verbally assaulting me regarding the " fact '' that I in XX/XX/XXXX I gave false banking information over the phone from the XXXX XXXX XXXX XXXX XXXX ; that I was part of a SCAM! I hung up, but not before I told the representative on the other end of the phone that I would report the phone call and the email to the Mississippi Governor 's office ( which I have ) and the Mississippi Better Business Bureau. I followed through with phone calls to both offices. These are the facts : 1. Until XX/XX/XXXX, I was unable to pay anything toward my debt except {$100.00}. 2. In XX/XX/XXXX, I got a job with a sign-on bonus and offered to pay the original debt of $ XXXX to the Mississippi Department of Revenue and the XXXX XXXX. I was told that I would still owe a fee of over {$8500.00}, including the original debt including penalties, interest, and fees associated with the debt having gone into collection. I would still owe almost $ 4K, which I did not have. I was also told they would not negotiate any part of the debt until it had been in collections for at least one year. 3. I am unemployed at present. 4. I no longer live in Mississippi. 5. I do not have the funds to pay the entire debt of almost $ 10K. I DO NOT APPRECIATE being accused of providing false banking information. I hold two current professional licenses as a physical therapist with fingerprints and have held six XXXX licenses in different states. My ability to maintain my license equates to my having nothing more significant than a traffic ticket or it would be reported to any and all state licensing boards. It is ABSURD that the State of Mississippi allows itself to be represented by the incompetent law office of The XXXX XXXX. I have documentation to support all of the above. Thank you, XXXX XXXX, XXXX
12/29/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MS 390XX	Web
Im filing this complaint against Jacob Law Group , PLLC for failure to adhere to FDCPA guidelines. Jacob Law Group , PLLC fail to adhere to Regulation F, giving me the opportunity to request for validation of an alleged debt prior to assuming its validity. I have encountered abusive, deceptive, and unfair debt collection practices from Jacob Law Group , PLLC. In accordance with sos.ms.gov ; Jacob Law Group , PLLC is registered as an attorney office. Yet, they are acting as a debt collector, which is a violation under the FDCP for deceptive practices. Jacob Law Group , PLLC has inflated the alleged debt amount with fees in the amount of {$130.00} for court cost and garnishment. The fees and prior order is null and void due to, I was never served a Summons and Complaint to appear in court for this alleged debt. I was recently given a Show Cause Hearing on XX/XX/XXXX XXXX, a new trial date was set for XXXX, XXXX. I requested validation of this alleged debt, which Jacob Law Group fell to provide all requested documentation. XXXX XXXX knowing I was never given an opportunity to dispute this alleged account prior to sending this account over to Jacob Law Group , PLLC. As you can see in the uploaded documents, they recently issued a letter via USPS, given me the opportunity to dispute by XX/XX/XXXX. I requested the original contract with the original creditor, Bill of Sale, and Purchase Agreement. So, that I may validate this alleged account properly. Jacob Law Group only sent statements, which does not validate alleged debts in accordance with law. Due, to me not being able to validate this alleged debt, I filed a claim with the Federal Trade Commission as fraudulent account. I have no proof nor prior knowledge of this alleged account ; its not on my credit report. Jacob Law Group , PLLC, you are hereby noticed within this complaint. Cease and desist any and all attempts in trying to collect on this alleged debt I dont owe. If I owed this alleged debt in which I, dont it have passed the statute of limitations ( MCA 15-1-29 & MCA 15-1-31 ), forfeiting the rights of collection. Jacob Law Group , PLLC has violated multiple law under the FDCPA, I'm truly loss for words. Jacob Law Group , PLLC has knowingly broken state and federal laws and regulations concerning the collection on this alleged debt with forethought and malice. I have also filed a complaint with our local Attorney General Office upon me submitting this complaint.
05/13/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MS 39211	Web
I got sick in XXXX, since then I've had XXXX XXXX XXXX major, XXXX minor and countless test procedures and Dr Visits which left me XXXX unable to work which left me broke unable to pay my bills, I had two credit cards from XXXX XXXX, when I got them the contract on both stated that if I ever got ill or XXXX that it was a policy that I would not have to pay my credit card debt if I could show proof my illness or XXXX. I called XXXX XXXX and Jacobs law Firm explained this to them after my XXXX XXXX, they told me to send in my proof of illness I did, I sent them a XXXX3 page medical report documenting my XXXX test procedures and dr visits to two different addresses bc I had two credit cards w them about 6 weeks later XX/XX/XXXX to be exact I got a letter in the mail basically saying all was forgiven ( that im gon na attach and send w this complaint if I can ) checked my credit today and realized im being sued by them and the letter that states all forgiven I received is only for one of the accounts and now they are trying to sue me for the other account and not honor the contract agreement about medical hardship that account # is XXXX I called them today and I called and they were rude we got disconnected or she hung up on me one then I called back and just got elevator music w a msg saying hold times are over two hrs so I hung up start ffilling out this complaint.. You would think w all this covid 19 stuff they would be more coorperative
03/14/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39046	Web
I'm making this claim in reference to the abusive, deceptive, and unfair debt collection practices that I have encountered by Jacob Law Group , PLLC. Jacob Law Group , PLLC is clearly stating they are a debt collector, which is a violation under the Fair Debt Collection Practices Act 15 USC 1692f subsection 808. unfair practices. Jacob Law Group , PLLC has also violated me under 15 USC 1692b ( 2 ), stating that I owe a debt. I was violated under 15 USC 1692b ( 5 ), in which the envelope clearly displays language, not only was this a violation under federal law ; it's also a violation under the XXXX XXXX XXXX Practices Act. The statement that I received from Jacob Law Group , PLLC reflects a positive amount. I have disputed all claims on XX/XX/2022 via certified mail with return receipt, Cease and Desist all future attempts in trying to collect on a positive balance. Further, more their claim is that this was an account with XXXX XXXX I contacted XXXX via certified mail with receipt requesting proof of claim and they sent me documentation that states ; XXXX automated underwriting system was unable to match my name, physical address, social security number and date of birth against independent third-party data. Jacob Law Group , PLLC has violated multiple law under the FDCPA, I'm truly loss for words. Jacob Law Group , PLLC willfully and knowingly there breaking the laws that Congress has set forth.
11/13/2015	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	MS 389XX	Web	Servicemember
XX/XX/XXXX XXXX I received a telephone call from Jacob Law Group , I was not home at teh time to receive the call. XX/XX/XXXX I received a letter from the same company stating that I had a debt from XXXX XXXX bank in the amont of {$2100.00}. I called the number on the letter and spoke with a lady named XXXX. She went on to inform me that she had contacted my job XXXX and verified emplyment. First of all no one at the particular center has the authority to validate employment. I asked who did she speak with ad she hesistated and told me the HR department. I called the HR department sad they had not spoken with anyone to verify my employment. She went on to tell me that I needed to pay the amount in full and she saw that my cosigner had a car in her name and if she had a car she should be able to go and get an installment loan for {$2000.00} at the bank and pay the bill and I pay the {$150.00}. I explained to her that this was my mother she was XXXX years old and since XX/XX/XXXX has had some credit issues. I offered to make installment payments but she would accept teh offer. I am afraid that htey will upset my mother who has XXXX as I do myself. She went on to ask how much I made per month and noted that they could take at least {$400.00} a month from me and that I did not want that. She was quite harsh. I had XXXX on XX/XX/XXXX and I amcurrently off work and under the care of my doctor.
08/13/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MS 395XX	Web	Servicemember
This complaint is in regards to Jacob Law Co. based in XXXX, MS . I spoke with this company on XX/XX/18 over the phone. This law firm is very unprofessional to speak with. I owed a debt to a different creditor for {$680.00} and it was sent and bought out by Jacob Law Co. They sent me one letter about the debt and then decided to sue me and take me to court over the matter. When I called to set up payment with them, they wanted to know all of my financial information. They asked how much I made, what my bills were, and wanted to get into depth about my whole life financially. This is absolutely uncalled for. There should be no reason a debt collector should know how much you pay for food and gas, ect a month! I was also belittled and asked so you just sit at home and do nothing with yourselfwhen I said I was a stay at home parent. They refused to take a payment until I asked to speak with someone else. The lady I spoke with took my payment but told me they would still be taking me to court. I asked to receive a record or invoice of the payments being made and was informed that they do not do that and I need to keep my own record of what is owed. So they will not send my anything in regards to what is left of the debt owed or any payments being made. How is this legal? Between the terrible customer service, bullying, and unethical practices, this company should NOT be in business!
06/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MS 39564	Web
On XX/XX/XXXX a credit card was opened in my name, With XXXX XXXX.That I had no idea that it was on my credit report, this account was opened for 2 years until the payment stopped until I went to purchase a home and was required to go to credit counseling for unresolved issues.This is when the matter comes up in XXXX of XXXX, advised by the credit counselor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX told us to get a copy of the judgement that went to court in XXXX of XXXX! upon getting the info and contacting Jacob Law Group, I filed a police report and faxed it over to them and they are going to proceed with the garnishment back as stated from XX/XX/XXXX!! My credit advisor advised me that the statue of limitations is 3 years in Mississippi and that they could not garnish his wages.and I was advised to contact to you for solutions.I tried to pay the debt as well, so that I can proceed in my home purchase and try to retain a lawyer later if wrong doings or involve, but Jacob Law Representative said they could not provide proof of the payment until 30 after being paid.Balance of credit card statement is XXXX.
06/29/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	TN 37923	Web	Older American
Process server pounded on my door after dark on XX/XX/XXXX. Left notice to contact them to deliver a civil summons docket number XXXX for XXXX XXXX credit card debt that I was unable to pay due to losing my job during Covid. Money judgement says {$4100.00} plus court and post judgment interest. The court date on the summons was altered and a federal holiday. I have tried to reach a settlement with XXXX XXXX Jacob Law Group, but can not get any written documentation or return phone calls. Threatening language and intimidation tactics were used. I researched Jacob Law Group and XXXX and found they have countless complaints. Jacob Law Group was sued by the United States in XXXX and ordered to stop deceiving consumers and ordered to pay {$790000.00} in restitution for consumers. I simply want to reach a settlement in a professional manner, receive supporting written and legal documentation and have them delete this from credit bureau reporting. When I asked XXXX XXXX with Jacob Law Group for documentation, she said " That's not how it's done. ''
08/13/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94587	Web
Today, XX/XX/2019 around XXXX PST I received a call from XXXX and the first thing I was asked for was my social security number. I asked what the purpose of the call was and was told that would be given once I told them the last 4 of my ss #. I told them I need to know who they work for, they wouldn't tell me. I told them I needed to know what the purpose of the call was again and they said I would need to give the last 4 of my ss # for them to tell me. Reluctantly, I gave them the last 4, then they told me I owed money in delinquent taxes to the state of Mississippi. This is false. I have paid all of my taxes in MS and I haven't even worked in that state in over 3 years. They said they had been sending stuff to my previous address so I said mail it to my new address. Since I do not owe anything, I believe this to be a scam as they couldn't even tell me what company they worked for. It will be interesting to see what they end up sending me in the mail, as I do not owe anyone anything.
08/29/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MS 391XX	Web
I had a debt with XXXX. They close this debt in 2017. I haven't had any type of communication or notices about this debt until all of a sudden my wages had been garnished by Jacob Law Group based in XXXX Mississippi. They were very rude and unprofessional. I called to talk to them and they had very foul attitudes. They got snappy with me for asking questions. Even abruptly hanging up on me. I called back to complain about how I was treated during that call, again the same thing, foul attitude and abruptly hung up from me. I wanted to know which court they filed their claim with and why I was not notified about this beforehand. I had no idea what happened with my money until I looked at my pay stub deductions. There is where I saw the name Jacob Law Group. I XXXX this business to get a number to contact them which only delivered snappy remarks. I still have no idea where this was all done nor why I have nothing in writing on this matter.
01/04/2017	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	TN 37379	Web
I have been paying on this account since XXXX. My balance gets higher even paying {$940.00} the last 4 weeks. I called Jacob Law Group and spoke to XXXX and she said I needed to enjoy my BMW and I needed to pay my bills. She refused to answer any of my questions regarding why my balance is showing {$960.00} on my credit report but she is stating I owe {$2000.00} as of Today 's date XX/XX/2017. She berated me constantly saying some of the most nasty things to me that did not even relate to my inquiry about why i still owe on this account. I have enclosed all my documentation to prove this company is ripping off people and I am pretty sure the fact I drive a convertible BMW that is 7 years old has nothing to do with this account. I was diagnosed with XXXX and money was tight for a while while i was out on XXXX. She told me to ENJOY MY GARNISHMENT! THE COMPLAINTS ON THIS COMPANY IS UNREAL!!!!! PLEASE DO SOMETHING
08/17/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AL 366XX	Web
I received a letter today from JACOB LAW GROUP , PLLC. The letter stated they were collecting on a judgement from XX/XX/2004. First off this alleged debt is 16 years old which is way outside the statue of limitations in ANY OF THE 50 STATES WHICH IS VIOLATION NUMBER ONE. I HAVE NOT SIGNED ANY DOCUMENTS OR DONE ANY BUSINESS WITH JACOB LAW GROUP. IAM ALSO SEEKING LEGAL ACTION AGAINST THEM FOR ATTEMPTING TO COLLECT ON AN OUT OF DATE ZOMBIE DEBT. I WILL ALSO BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OF ALABAMA, TENNESSEE, AND ARKANSAS. A FORMAL COMPLAINT WITH ALSO BE FILED WITH THE FBI FOR FINANCIAL CRIMES ALSO. IAM ALSO FILING A FORMAL COMPLAINT WITH WITH EACH STATES BAR ASSOCIATION FOR MISCONDUCT.
09/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MS 39120	Web	Older American
I submitted proof to Jacob Law Group that I paid the full amount owed, but they continued to badger me. After I communicated that I wanted no further communication with them as I no longer owed them any money, they turned me over to XXXX XXXX XXXX. I contacted XXXX and provided Money Order numbers and check numbers along with copy of the bill showing debt amount. XXXX continues to try to collect after I've paid. They have this on my credit report as delinquent! Something needs to be done about these companies underhanded tactics, especially against senior citizens. I submitted all communication and documents to the Attorney General of Mississippi and they recommended I contact you. Thank you
09/09/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TN 37075	Web
THIS IS GETTING TO BE RIDICULES I HAVE FILE COMPLAINTS AGAINST XXXX XXXX XXXX. I HAVE TOLD THEM THE AMOUNT I OWE THE COMPANY IS XXXX BUT THIS HAS GONE ON FOR OVER 2 YRS AND NO RESOLUTION PEOPLE HAVE BEEN THREATEN AND LFT VOICEMAIL OF PHONE NUMBERS WHO WAS NOT GIVEN. I HAVE SAID THIS TIME AND TIME AGAIN WHAT I OWE XXXX THEY WANT MORE AND FILE SEVERAL COMPLAINTS WITH THIS OFFICE AND FTC ETC. NOW I RECEIVED A LETTER FROM JACOB LAW GROUP , PLLC. IS ANYONE LISTENING TO PEOPLE WHEN THEY FILE THESE COMPLAINTS AND CONSUMERS ARE GETTING HARASSED. I HAVE TRIED TO WORK OUT THIS AMOUNT YOU HAVE OTHER CONSUMERS SAYING THE SAME THING ABOUT THIS COMPANY AND NOTHING IS DONE. THANK YOU
06/29/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AR 725XX	Web	Older American
On XX/XX/XXXX. 2023 I received from a request for judgement in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. The XXXX is XXXX XXXX XXXX XXXX. Regarding a Credit Card. In the amount of XXXX, In the complaint they threaten me by taking my home, vehicle, They wanted me to disclose my checking account #, if had any assets, jewelry, guns any of value. They wanted to show my bank statement, proof of income. The money I receive is Social Security I am XXXX years old. I answer in the court that this all I received and I sent a copy to lawyer, certified receipt requested on XX/XX/2023. Then in XX/XX/2023 they filed another complaint wanting same information
02/08/2017	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TN 38115	Web
I went to XXXX XXXX in XXXX. I paid everything that I owed. XXXX went bankrupt after I left in XXXX. I never received anything stating that I owed money to the school before or after the bankruptcy. Another school by the name of XXXX University took over, they later went bankrupt as well. I did not attend this school. In XXXX of XXXX I was contacted by Jacob Law Group saying I owe XXXX {$2700.00}. They waited 10 years to come after me about a debt I know anything about. They have been calling me everyday, they have taken me to court and now they are calling my job trying to collect this debt.
10/08/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MS 390XX	Web
Dates : XX/XX/19,XX/XX/19 Amount : {$2100.00} ( an estimate ) Company : Jacob Law Group After receiving the first letter notifying me of the debt, I requested a verification letter. I received copies of bills paid previously. I reached out and advised I want to take care of the debt but am unable to pay the entire amount. XXXX asked Well how much do you have? And said with the sarcasm, So you dont have anything? Then asked if I received a court date knowing that I didnt have a court date for anything. ( Scare Tactic ) This place and their employees are a disgrace! A disgusting place.
05/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MS 390XX	Web	Older American
THIS IS ABOUT JACOB LAW GROUP, PLLC IN XXXX, MISSISSIPPI. THIS FIRM HAD A LEIN PUT ON MY HOME OVER A COLLECTION THAT WAS PAID OFF IN XXXX , THE LEIN WAS PUT ON MY HOME IN XXXX. THIS WAS A XXXX XXXX XXXX XXXX THAT HAS BEEN PAID OFF , NOW THIS LAW FIRM IS TRYING TO COLLECT DOUBLE ON THIS ACCOUNT . I HAVE BEEN CONTACTING THEM REGULAR ABOUT THIS . THE CIRCUIT CLERK OF COPIAH HAS CONTACTED THEM ALSO BUT THEY STILL RELEASE THE LEIN WITH ALL THE PROOF THAT I I GIVEN THE THAT THIS BILL HAS BEEN CLOSED AND PAID OFF. JACOB LAW GROUP PLLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MISSISSIPPI XXXX
06/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MS 38801	Web
I owed the Original Credit which was XXXX XXXX XXXX and after they charged the debt off they sold it to XXXX XXXX who is a debt buyer in XX/XX/2016. XXXX XXXX hired a collector by the name of Jacob Law Group to try and collect the debt. Jacob Law Group sent me a settlement letter and I submitted the settlement amount as required and they won't update the credit report showing the debt has been settled. They have it showing that I still owe {$530.00}. Also the statue of limitations on old debt is 3 yrs and it is over 3 yrs and they are still trying to collect. See attached info.
03/14/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39046	Web
I received a statement from Jacob Law Group , PLLC stating there a debt collector and trying to collect on a debt that I owe. This law firm claims I had an account with XXXX XXXX Bank, XXXX. the original creditor. Now, stating I owe money to XXXX XXXX XXXX. I disputed all claims that Jacob Law Group , PLLC within my 30 days. I have also reported this account to the Federal Trade Commission and spoke with my local XXXX XXXX office in regard to Jacob Law Group , PLLC. I have included all correspondence for your review along with a copy of my identity theft report.
09/18/2020	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	MS 38655	Web	Older American
I am in a payment arrangement with Jacob Law Group in XXXX, MS . Calling to make payment results in degrading conversations and an insult to my intelligence. I have repeatedly tried to speak with management to no avail. I have also spoken with the Justice Court Judge involved in the matter. Nothing has changed the behavior or tactics of this Collection Agency. Their treatment of individuals is cruel and inhumane. I should not be humiliated just because I am honestly and legally trying to pay off a debt.
10/22/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MS 39047	Web	Servicemember
Jacob 's Law Group in XXXX, MS repeatedly called my work phone every two days even after they were notified of the following : 1. It was a work phone and to please contact me via written communication. 2. I was not aware of the XXXX XXXX Debt and to please send me a detailed account of what was charge on the card. 3. The debt is past the statue of limitations for MS . I have request in writing all the above statements from the Law Group without an answer and will proceed to court on XX/XX/XXXX.
12/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 37130	Web
The debt popped up on my credit report I never open this account I explained this to all three credit bureaus and sent proof of address that I live in a different state and never lived at the addresses they have on file I sent pictures of my identification ss number everything I keep asking this collector to validate the information or send me proof that I opened this account and they havent sent me any documentation so by law I asked them to remove the collection they havent
11/13/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MS XXXXX	Web
I received a letter from the Jacob Law Group , PLLC, that was dated XX/XX/XXXX. The letter was an attempt to collect an alleged debt in the amount of {$2300.00}. I had previously disputed this debt with two other entities in XXXX and XXXX and never received validation from either company pursuant to the FDCPA. This company is attempting to collect on an unverified and unvalidated debt in violation of the FDCPA.
10/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MS 390XX	Web
I received a letter from a company called Jacob Law Group that sent a debt collection letter. I asked the company twice in written form for a legal signed document in reference to this debt. They keep sending me some type of statement that does not have my signature. The address listed on the document is not my physical or mailing address. They are trying to collect on a debt that I do not owe.
06/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30331	Web	Servicemember
I never received any type of written notification of this debt and My wife has received repeated calls about a debt that I do not owe for the past 7 months. My wife has asked Jacobs collection for more information, but was told it was a business matter she has also told Jacobs collection to not call her phone relating to the debt that I ( her husband ) supposedly owes.
09/22/2016	No	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	TN 381XX	Web
I am unaware of a debt that I owe from a Mississippi XXXX bill to which the Jacob 's Collection agency calls me twice weekly to tell me that I owe. They said it was for two years and one was for the year 2008. I have never received the initial bill so I can not argue the claim. Regardless, they call threaten to garnish my wages, report to my credit, etc.
06/19/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TN 37013	Web
Company called under name Jacob Law Group, wanted me to give them all of my information but would n't tell me what they were calling about. When i refused my informatiin, she proceeded to threaten me with legal letters, wage garnishment, and police contact. Then, she hung up on me. I still never got an explanation of what is was for.
07/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	MS 39212	Web
Today i contacted Jacob Law Group in regards to a debt they stated that i owe. I spoke with a rep name XXXX. XXXX was extremely rude, told me that i need to stop being like " other XXXX people in america '' and take care my responsibility. She cursed, called me all type of racial names, this is unacceptable.
06/04/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MS 397XX	Web
Jacob Law Group, of XXXX, MS., has sued me in Justice court of XXXX, XXXX, MS. for a credit card bill. I have a court date. They have done all of this although I am legally XXXX and they and the county I live in know it.
06/29/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 366XX	Web
XXXX XXXX XXXX XXXX XXXX jacob laww croup pllc has refused to send any validation information of this alleged debt we have tryed for years they are all in violating Federal law on multiple accounts and threats.
06/29/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 366XX	Web
I sent them 2 letters one through normal mail and one certified return receipt they did received the letter they have broken violating Federal law.
06/03/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MS 38826	Web

04/27/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MS 39648	Web

08/18/2022	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 Investigation took more than 30 days	MS 39203	Web

02/19/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MS 39403	Web

01/04/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MS 38732	Web

10/19/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TN 37013	Web

09/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MS 39272	Web

02/16/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MS 39502	Phone

12/13/2020	No	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AL 35749	Web

01/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 39402	Fax

07/30/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	AL 35401	Phone

01/03/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MS 39056	Web

07/03/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone

03/15/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MS 39367	Web

03/14/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MS 39401	Postal mail

03/06/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	AR 72454	Web

01/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AR 72112	Referral

01/08/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MS 39465	Postal mail

08/02/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 38965	Referral

07/25/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MS 39428	Web

03/14/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WI 54961	Referral

02/13/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	MS 39437	Web

12/13/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TN 38114	Web

11/30/2016	Yes	Debt collection Medical	Taking/threatening an illegal action Attempted to/Collected exempt funds	MS 38702	Web	Servicemember

08/04/2016	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	MS 38804	Web

07/07/2016	No	Debt collection Medical	Communication tactics Threatened to take legal action	MS 39355	Phone

06/28/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	AL 35215	Web

06/09/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Sued w/o proper notification of suit	MS 38672	Web

06/01/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MD 20746	Web	Servicemember

05/20/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TN 37716	Web

03/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OK 74085	Web

02/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	TN 38016	Web

12/31/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32217	Web

09/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	WI 53913	Web

07/29/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TN 37075	Web	Servicemember

06/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	TN 38126	Web	Servicemember

05/31/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MS 38632	Web

02/05/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	TN 38261	Web	Older American

12/06/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	OH 44060	Web