Kostka and Associates, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
07/23/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WI
  • 530XX
Web
In XXXX through XXXX, we had significant medical and credit card debt incurred, as well as income lost for 33 months between XX/XX/XXXX and XX/XX/XXXX. In XXXX, two separate judgments were entered against me for credit card debts. In the last quarter of XXXX, I proactively reached out to settle the debts using financial help from a family member. We were attempting to settle both debts at the same time in order to clear our credit completely. We had significant difficulty with one of the companies, but we received an offer from another. The company we received an offer from was XXXX XXXX XXXX, represented by XXXX XXXX in XXXX WI However, the other debt collector rejected their original offer and refused to renegotiate due to a misunderstanding on their end, just XXXX hours before funding was to be sent out. This unfortunately resulted in me not being able to settle any of the debts as we were unable to clear our credit. Initial Dates for XXXX XXXX XXXX : In XXXX of XXXX, we received a reasonable offer of {$10000.00} In XXXX of XXXX, my son and I were in an accident, which resulted in 4 additional medial bills and judgments as we waited for our lawyers to resolve the issue. After were were able to settle in after the economic shut down of XXXX, I once again reached out to XXXX XXXX to make another attempt to resettle our debt. XXXX is now managed by XXXX XXXX XXXX, not XXXX. Today, XX/XX/XXXX, I received an unreasonable and excessive counter offer of approximately {$16000.00} to settle the debt. This is an INCREASE of {$5800.00} in just over 1 year. My total debt has not increased HALF that amount since XXXX. This equates to a percentage increase FAR EXCEEDING all 5 other judgments that I have been able to resolve. I fully understand interest has accrued over the past year, however, a 3.99 % increase ( which is where EVERY OTHER debt collection agency is at XXXX, would result in a significantly less increase than what has been countered with. This is excessive, unreasonable, and far outside the amount I have available from a family member who is assisting in this settlement. I am prepared to settle for {$12000.00} XXXX {$1300.00} OVER the initial offer in XXXX ) and the funds will be sent within XXXX to XXXX hours of acceptance. I am NOT in a position of paying nearly {$6000.00} MORE than the previous offer a year ago. There is absolutely no standard of interest or reason for such a counter and absolutely no precedent for what can be expected. I am already borrowing this money. I have no retirement, no savings, and no money set aside for education for our kids. And this is not helping me and my family be able to move on from unexpected and unavoidable medical debt over 10 years ago.
07/14/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • 54009
Web
08/05/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WI
  • 54956
Web