Kramer & Frank, P.C. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/05/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MO 633XX	Web
In early XXXX I had XXXX XXXX XXXX handling this account for me, we settled with XXXX XXXX ( XXXX debt collector ) in the amount of XXXX with a payment plan set up over the course of XXXX months in which XXXX payments had been made as follows : Beginning XX/XX/XXXX payments will be as follows- XXXX payments@XXXX XXXX payments@XXXX XXXX payments@XXXX Final payment of XXXX in XXXX XXXX. Total of XXXX After getting the receipts, looks like they never changed from XXXX to XXXX so it shows XXXX @ XXXX and XXXX and that's when it was supposed to go back to XXXX to debit my personal account for the remainder XXXX I had left to pay. These monthly payment were being taken out of my account I had with XXXX XXXX. In XX/XX/XXXX, I had released all POA rights between XXXX XXXX XXXX and myself. So I set up my own account just for XXXX XXXX to debit these payments from. When I spoke to them they said they could not take payments from me or my personal account, which I find odd, so I called XXXX and explained to them I need to continue making these payments what do I do? He told me I needed to call XXXX XXXX and ask them to bring my account back " In house '' and XXXX would be able to continue the payments from my debit account, for the reminder of the settled amount. Confirmed. So I did just that, XXXX XXXX advised me it could take up to XXXX weeks to complete, ok, so I called them back at a later date, they dropped the ball it wasn't transferred so they did it again and check back again, it was done so I call XXXX and they said they had no notes on my account in regards to talking to me or agreeing to this. I said well you should, let me make more calls and find out what's going on. Everyone else had done their job and it was confirmed my account was no longer at XXXX XXXX. So I called XXXX to make sure they had sent a release so everyone could even talk to me. Got that. Now its XXXX XXXX, I called XXXX again and now they're telling me that not only do they have no notes of this because they no longer have my account but that they can't even speak to me that I need to call Kramer and Frank as that's where my account it now. Called Kramer and Frank Law Office and yes they now have my credit card account in their office. So it was sold again, after working with everyone for months to get this all in place to continue paying and now I have a judgement filed against me for XXXX in XXXX XXXX XXXX in Missouri. Furthermore, the last payment I made the end of XX/XX/XXXX was in fact made and then it shows reversed on my statement, so I asked the bank who reversed the payment because it wasnt me and they stated : " XXXX received an email from the creditor stating " These accounts are no longer in our office. Please delete any future payments ''. Your debt settlement provider is notified and both XXXX XXXX XXXX XXXX and the creditor have to agree and then the payment is reversed. '' Email attached This confirms, the creditor ( XXXX ) also agreed to stop payments from the global account through XXXX XXXX to switch the payments to be taken from my personal account I had set up. I did not default on my payments or agreement. This is all negligent unfair consumer practice. I still have no copy of said judgement as I was out of town over the holidays when they tried to serve me, by the grace of XXXX I happen to see the court date the day before on XXXX and got it continued to XXXX so theres no default on the judgment. That was filed in XX/XX/XXXX and its now XXXX and Ive sent numerous requests to Kramer and Frank for this summons to no avail. I still have not been served properly, the XXXX statements Kramer and Frank Law office did finally mail to me last week is from XXXX with none of my payments I made shown on any documents. I again called XXXX in XX/XX/XXXX, last month, and was yelled at by a gentleman on the phone who said he cant talk to me. To make these matters worse I was getting ready to refinance my home mortgage and this judgement/Lien is against me and I cant close, losing money out of pocket for appraisal fees etc I had already paid, lost the interest rate I was locked into etc. with a new closing date of XX/XX/XXXX. Due to this event I even offered to give Kramer and Frank XXXX JUST so I can refi my home and be done - they wont answer my emails I sent on XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX. This is now affecting my health, my home and my credit and needs to be resolved immediately.
01/13/2017	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	MO 63121	Web
This company pretended that a debt was owed to them and filed a false claim of ( BREACH OF CONTRACT ) we conditionally accepted for value their initial claim providing that they produce the Contract in accordance with G.A.A.P Generally Accepted Accounting Principles & I.F.R.S International Financial Reporting Standards, FDCPA Fair Debt Collection Practices Act FCRA Fair Credit Reporting Act, 15 U.S.C. 1681, MO. CIVIL RULES Uniform Business Records as Evidence Law. Pursuant to R.S.Mo. 490.680. UCC1-206. And the documents to prove our claim can be found in the uploaded documents. By not producing the Contract nor the laws that shows they had legal claim they went into further criminal activity by Simulating legal process -- penalty. 575.130. 1. A person commits the offense of simulating legal process if, with purpose to mislead the recipient and cause him or her to take action in reliance thereon, he or she delivers or causes to be delivered : ( 1 ) A request for the payment of money on behalf of any creditor that in form and substance simulates any legal process issued by any court of this state ; Upon getting the corporation of XXXX XXXX COUNTY GOV. in name only to assist them in their illegal actions they went even further into crimes because they were asked again for the contract in accordance with Short title.490.660. Sections 490.660 to 490.690 may be cited as " The Uniform Business Records as Evidence Law ''. ( L. 1949 p. 275 1 ) Business defined.490.670. The term " business '' shall include every kind of business, profession, occupation, calling or operation of institutions, whether carried on for profit or not. ( L. 1949 p. 275 2 ) Records, competent evidence, when.490.680. A record of an act, condition or event, shall, insofar as relevant, be competent evidence if the custodian or other qualified witness testifies to its identity and the mode of its preparation, and if it was made in the regular course of business, at or near the time of the act, condition or event, and if, in the opinion of the court, the sources of information, method and time of preparation were such as to justify its admission. ( L. 1949 p. 275 3 ) Account book, when produced. 490.650. The court before which any action for the recovery of any sum or balance due on account, and where the matter at issue and on trial is a proper and usual subject of charge on books of account, may require either party to produce, at the trial, either his ledger or original book of entries, or both ; and no disputed account shall be allowed upon the oath of the party, when it shall appear that he has a book of original entries, unless such book shall be produced upon reasonable request. ( RS Mo 1939 1888 ) Prior revisions : 1929 1724 ; 1919 5411 ; 1909 6355 And the court assisted them by not following the rule of law but by removing documents from the docket in which some of the documents can be found in the uploaded documents. Now without the contract in accordance with the laws above here are some of the criminal activities they have engaged in. Missouri Statue : 500.266 ( 1 ) " Basic rights information '', information applicable to a noncitizen, ( 7 ) " Financial harm ", detriment, injury, or loss of a financial nature, including credit Extortion, criminal violation of the usury laws under chapter 408, or employment Contracts that violate the statute of frauds provisions under chapter 43 18 USC Ch. 41 : EXTORTION AND THREATS 876. Mailing threatening communications 877. Mailing threatening communications from foreign country. 878. Threats and extortion against foreign officials, official guests, or internationally Protected persons.. Lastly I have cited laws that govern commercial transaction pertaining to Contract Law. In all their responses they never produce contract
08/26/2022	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	KS 660XX	Web
I was notified by my employer on XX/XX/XXXX that Kramer & Frank garnishing my checks even though they have had prior knowledge ( 4 years prior ) that I was working with a debt consolidation firm, XXXX XXXX, XXXX. I never received a letter in the mail which they lied and said they sent this certified letter in XXXX. Where is it? I check my mailbox every day. They waited 4 years, failed to notify me, and started to garnish my wages on a debt that was to be consolidated with other student loan debts. They had prior knowledge that I was working with XXXX, because they have settled other debts with Kramer & Frank prior to this action. The lump sum has been paid in full to Kramer & Frank, the settlement amount ( Over {$10000.00}! ) plus over {$3700.00} dollars that was garnished from my wages. They have promised me and my attorney, XXXX XXXX that these funds would be returned. This is per my attorney on XXXX, XX/XX/2022 at XXXX XXXX, I just called and left you a message. I just heard back from their attorney, and I received an offer to settle for {$12000.00}. With the balance of {$10000.00} in your client trust account, it would require an additional {$1800.00} from you to accept their offer. The other option would be to try to go back with a counter offer, either for less or to stretch their offer over a few months. However, there is no guarantee they would move from where they are at, and depending on how much time it takes for them to respond, the garnishment would proceed. Let me know your thoughts at your earliest opportunity. He also wrote on XXXX, XX/XX/2022 at XXXX XXXX, I was able to talk to the attorney and she is going to put in a request to release the garnishment anyway before they get the payment, just on my word that we have the settlement. Now, it may take some time for all that to process, so depending on the timing of your paycheck, it's still possible you may see it again - but hopefully not. Either way, she said they did not receive any funds from the garnishment yet, and so any money that they receive from that, they agreed to refund it. In other words, the settlement is just for the {$12000.00}, and the {$930.00} or so that's already come out plus anything else they may get on top of that will be refunded back to you. But that process to stop the garnishment is already started, so whether we can pull the funds XXXX or on the XXXX of the month won't make a difference as far as that goes. I will attach these emails to this claim, if possible or needed. A courtesy copy of the garnishment was requested at the beginning of XXXX. My lawyer nor me have seen this yet, as they promised. I have called numerous times, sent numerous emails, called them to no avail. They either hang up or will not answer my calls. They will not speak to me and tell me have your lawyer call us even though they have claimed that I have refused payment on court documents. This is a false accusation. They, on the same hand, note that I am represented by XXXX XXXX. They continue to illegal garnish my wages, without any explanation. They are ignoring any attempts of communication with them. XXXX XXXX is the person of contact. She will not answer my calls, have laughed at me and eventually hung up the phone on me. Please help me settle this matter. This company has been paid IN FULL and the garnishment needs to be released at this point.
02/19/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	MO 631XX	Web
I have tried unsuccessfully on multiple occasions to discuss a payment plan with Kramer & Frank, PC, ( KF ) however they refuse to even discuss my case with me. How is it possible that a company that refuses to speak with you regarding making a payment plan can now garnish your wages? During my many failed attempts at a discussion with KF, I have graduated from XXXX, almost died from a serious illness, gotten into a very competitive graduate program, and most recently lost my job. My XXXX professor at XXXX University in XXXX XXXX informed me that he successfully sued KF due to there shady business practices. My relative had a payment plan with them some years ago and they continued to collect money after the debt was fulfilled. After reviewing, the original debt and calculating the payments my relative realized that the debt was paid-in-full months earlier. Prompted by this realization went to KF office and spoke to someone who confessed that yes the debt had been paid-in-full months earlier and was given paperwork to that effect. I have also had a previous debt years ago administered through KF and they would always " lose '' my money orders or " credit '' my payments towards someone else 's account. This caused me constant frustration and hours on the phone with them. I believe I spoke to a lady named " XXXX '' back then. It was due to these continued issues that promoted me to seek the advice of my Professor. My Professor 's advice was to always send things to them United Stated Postal Service Certified Mail with Return Receipt as it is admissible in court. This is one of the largest debt collection agencies in the United States. They have a very bad reputation within the XXXX community. I remember seeing them in court speaking very disrespectfully to XXXX including myself. It would not surprise me if KF is on XXXX Attorney General XXXX XXXX list of debt collection agency being investigated due to their dealings with the XXXX community ( please see links to articles ), XXXX and XXXX. Simple XXXX searches of KF will reveal multiple complaints that people have placed online many of which are regarding communication issues : XXXX and XXXX. According to an XXXX XXXX, 2011 article in The XXXX XXXX, XXXX, the same company KF is garnishing my wages for " XXXX XXXX , XXXX '' has been the subject of a class-action lawsuit in XXXX, `` ... XXXX is under fire in XXXX and XXXX, where the attorneys general have filed legal actions alleging that the company illegally mass-produced legal documents that defrauded debtors and hijacked the court system into serving as a collection agency. XXXX is also the subject of an ongoing class-action suit in XXXX, where a proposed settlement has drawn opposition from the Federal Trade Commission and attorneys general of XXXX states, including XXXX, for giving too little to consumers ... Of XXXX 's XXXX XXXX County lawsuits, XXXX were filed by a single attorney, XXXX XXXX of the law firm Kramer and Frank, which is based in XXXX XXXX and has an office in XXXX, XXXX. ''
12/09/2017	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	MO 630XX	Web
My complaint does not fit the options, so I chose the closest and will explain below. Last year, I had private student loans that I mistakenly thought were consolidated with my federal student loans. As a result, I was not making payments on three private student loans and they were sold to Kramer & Frank. I set up a payment agreement with them, which took automatic payments out for three months and then stopped. Since the first three payments were automatic, I did not notice that they had stopped after that. Kramer & Frank then garnished my bank account. I placed several calls to my Kramer & Frank account representative, XXXX XXXX, in XX/XX/XXXX and XX/XX/XXXX ( and left several messages ) with no response. Finally, I obtained an attorney. He was able to call XXXX and get me set up on a payment plan in a matter of days. I have been on this payment plan for all three accounts since XX/XX/XXXX. I have to make these payments in person every month, because Kramer & Frank will not allow me online access. When I try to call in and make a payment over the phone, they have my cell phone automatically flagged to go straight to XXXX XXXX 's voicemail, which he never returns. Needless to say, I have been making payments on these three individual accounts in person since last year. When I went to their office on XX/XX/XXXX, and was informed that once of the accounts had been closed on XX/XX/XXXX and recalled by the original lender, XXXX XXXX XXXX. I had not been notified previously that this was happening. They would not accept my payment. When I asked for a contact number for XXXX XXXX XXXX so that I could figure out how to make a payment, the woman at the counter gave me a phone number, and said that it might not be a good number, but to try anyway. She also said that she did not know anything whatsoever as to why my account had been closed, or what I was supposed to do about it. After leaving, I called the number that she gave me ( XXXX ). This company appears to be another collection service that sometimes represents XXXX XXXX XXXX. I gave them all of my information, and they said that all three of my private loans were still with Kramer & Frank, and they have received no communication from Kramer & Frank about getting the loans back. I asked them what I should do, and they said to call Kramer & Frank, who then told me to call the other company back. As a consumer just trying to make a payment, I am incredibly disappointed with the lack of communication that I have received from Kramer & Frank, as well as the lack of interest in helping me. I am aware that it is my responsibility to make payments, however I have not been given any reasonable way of doing so, and I am sure Kramer & Frank are reporting me as not paying.
12/09/2017	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	MO 630XX	Web
My complaint does not fit the options, so I chose the closest and will explain below. Last year, I had private student loans that I mistakenly thought were consolidated with my federal student loans. As a result, I was not making payments on XXXX private student loans and they were sold to Kramer & Frank. I set up a payment agreement with them, which took automatic payments out for XXXX months and then stopped. Since the first XXXX payments were automatic, I did not notice that they had stopped after that. Kramer & Frank then garnished my bank account. I placed several calls to my Kramer & Frank account representative, XXXX XXXX, in XXXX and XXXX ( and left several messages ) with no response. Finally, I obtained an attorney. He was able to call XXXX and get me set up on a payment plan in a matter of days. I have been on this payment plan for all three accounts since XXXX 2016. I have to make these payments in person every month, because Kramer & Frank will not allow me online access. When I try to call in and make a payment over the phone, they have my cell phone automatically flagged to go straight to Mr. XXXX 's voicemail, which he never returns. Needless to say, I have been making payments on these XXXX individual accounts in person since last year. When I went to their office on XXXX XXXX, and was informed that once of the accounts had been closed on XXXX XXXX and recalled by the original lender, XXXX XXXX XXXX. I had not been notified previously that this was happening. They would not accept my payment. When I asked for a contact number for XXXX XXXX XXXX so that I could figure out how to make a payment, the woman at the counter gave me a phone number, and said that it might not be a good number, but to try anyway. She also said that she did not know anything whatsoever as to why my account had been closed, or what I was supposed to do about it. After leaving, I called the number that she gave me ( XXXX ). This company appears to be another collection service that sometimes represents XXXX XXXX XXXX. I gave them all of my information, and they said that all three of my private loans were still with Kramer & Frank, and they have received no communication from Kramer & Frank about getting the loans back. I asked them what I should do, and they said to call Kramer & Frank, who then told me to call the other company back. As a consumer just trying to make a payment, I am incredibly disappointed with the lack of communication that I have received from Kramer & Frank, as well as the lack of interest in helping me. I am aware that it is my responsibility to make payments, however I have not been given any reasonable way of doing so, and I am sure Kramer & Frank are reporting me as not paying.
07/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
On XX/XX/XXXX, I attempted to use my debit card and it was declined. I contacted XXXXXXXX XXXX and was told that they could only tell me that there is a garnishment and the Law firms name is Frank and Kramer. The woman at XXXX gave me the phone number XXXX to call. I contacted them immediately and left a voicemail stating that I dont understand because I never was summoned or court ordered or served. I then contacted my parents and was informed my mom, XXXX, has been paying a garnishment to Frank and Kramer out of her check each week in the amount of {$50.00}. I attempted to contact the bank again and asked for the court order/ case number. The young lady refused. I asked for the amount of the debt and was given a figure of {$3000.00}. I demanded an investigation. The woman referred me to call back when the garnishment department is in. I informed her that I asked an attorney about this and was told it sounds to be illegal unless I failed to appear in court after a summons. My father called XXXX and was told to come into a XXXXXXXX XXXX and request to be removed as a secondary on my account as I am XXXX and have lived on my own and my money is for my bills to live. XXXX informed him that they could not remove his name, refund the funds or make any changes. He contacted Frank and Kramer and was told they can take everything in my account because my dads name was on my account when we opened a student account in XX/XX/XXXX/XX/XX/XXXX with XXXX. In addition, they drained my sisters account too. From my personal account, Frank and Kramer took the following : on XX/XX/XXXX: - {$50.00} - {$2000.00} On XX/XX/XXXX : - {$250.00} - {$18.00} I now am left without any money to get gas in my car, pay my car payment, pay for groceries, pay rent, pay utilities, get prescriptions that are medically necessary, or pay any credit card bills or other bills. I have XXXX scheduled next week and have no idea how I will pay. My paycheck will be deposited tomorrow and I can not access it now. I am completely without a source of money to live.
01/18/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MO 64093	Web
XXXX XXXX XXXX is trying to sue me for the Amount of {$3600.00} by way of Attorneys office : Kramer & Frank XXXX XXXX XXXX. XXXX. XXXX XXXX, MO XXXX File # XXXX XXXX XXXX ( XXXX ) XXXX Letter was sent to my Residence on XX/XX/2018. It is quite a friendly cute letter if you will. XXXX XXXX XXXX is in Bold lettering implies yelling. XXXX XXXX is the contact for the above listed Attorneys office. they offer for me to pay online at XXXX. I will admit I was XXXX off due to the amount of overdraft fees you and I know accrue with Banks. You can gather they are harassing me and want to file for a judgement to be placed on me. You know when one has a XXXX his/her income is limited well my income is limited I receive XXXX dollars on the XXXX of each month from XXXX XXXX XXXX who by the way allows me to withdraw {$60.00} dollars each month in cash for the payment of XXXX dollars. I withdraw XXXX then I pay XXXX dollars so I really pay {$40.00} dollars for {$60.00}. I admit I need to pay XXXX XXXX some money due to a delinquent account, credit card, However, I did pay over 75 % of the balance due to the fact that I thought that I would be able to keep my Job and pay my bill. However you know it 's time like this that I wish I 'd never gave XXXX XXXX {$20000.00} XXXX XXXX {$10000.00} XXXX XXXX {$20000.00}. You know right now their rejoicing in the fact I cant pay XXXX XXXX XXXX for the Credit Card. My spending got out of control when I lost my Job. Sorry this informative letter is n't perfect according to Legal Standards However, I Hope that I 've Voiced myself concerning this matter correctly. Last I live at a XXXX XXXX XXXX in XXXX Missouri Like the Creditor.
09/05/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	KS 670XX	Web
Kramer and Frank XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX I had an account sent to collections to be managed by K & F. In my several attempts to reach customer service and their office manager, I left MANY voice and emails which went unanswered for days. Finally, upon reaching the office manager, XXXX XXXX, on XX/XX/XXXX, I was able ( after several attempts ) to make a payment via a direct debit from my checking account which satisfied the entire debt ( {$3600.00} ) and effectively closed my account with K & F. I received both verbal and written confirmation of this from K & F. However, on XX/XX/XXXX, K & F garnished my paycheck ( {$530.00} ) AFTER my account was satisfactorily closed. Upon dozens of attempts to call, leave voice mails, and emails for customer service and the office manager, XXXX XXXX, to receive a refund of the money they now owe me, not a single phone call or email was returned to me. It has now been over 14 business days/three weeks after my account was satisfactorily closed and K & F illegally garnished my paycheck, I still have not received any form of communication from any individual or employee of K & F to address the refund owed me. This absolute lack of customer service and communication is unacceptable. They seem to be available at best sporadically to take money owed to them, and they are available NOT AT ALL to refund money they owe to you.
05/11/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	KS 66030	Web
I am tired of getting harassed by Kramer & Frank. Every time I made a little payment, they return it because they say that is not enough. I will ask you what it's enough, nothing or something. The other thing is Kramer and Frank doesn't have a consolidated account for XXXX XXXX XXXX, they have them separated and maybe that is ok but every time I contact them to make payment arrangements they are very rude and they demand their own monthly payment. I am a single mother and I can't afford whatever they want me to pay. They should give the consumer the chance of paying whatever is available to them. The lock you out of the account and you are not able to login at all, they would return your payment. But I have proof that I have tried to make payments in the past and they refuse. Kramer & Frank P.C., XXXX Single Payment ACH Debit Confirmation Payment Identification Number : XXXX Kramer & Frank, P.C., Account Numbers : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Current Balance : {$3600.00} Today 's Date : XX/XX/2020 Payment Date : XX/XX/2020 Amount of Payment : {$20.00} Payment Type : This is a single payment. Application of Payment : Your payment will be applied to your XXXX XXXX XXXX XXXX accounts in the order that Kramer & Frank, P.C., determines at the time of posting. Bank Routing Number : XXXX Bank Account Number : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX : XXXX, CA XXXX
08/23/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	MO 63017	Web
In XX/XX/XXXXI went to XXXX XXXX XXXX ( owned by XXXX XXXX ) a check cashing agency in XXXX XXXX MO to help pay my bills due to being a single mom that was getting no child support. Unfortunately, things got difficult for me financially and I ended up defaulting on this loan. I was taken to court and my pay ended up being garnished in XX/XX/XXXX. The case information for that satisfaction of Judgement with the XXXX XXXX XXXX Missouri Courts is as follows : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. It states clearly that I paid it in full as a Satisfaction of Judgement is clearly indicated on the files that can be viewed by the public on Missouri Case.net I have also enclosed screen shots of this with this complaint. The satisfaction of judgement was entered on XX/XX/XXXX by : XXXX XXXX XXXX XXXX On Behalf Of : XXXX XXXX XXXX. I received a letter today, XX/XX/XXXX, from XXXX XXXX XXXX, XXXX. a law firm that does debt collecting ( XXXX ) XXXX referencing Circuit Court case # XXXX stating my bank account and wages will be garnished for this very same debt that I already paid for. They want {$3700.00} for a loan that was only {$500.00}. They have already garnished my bank account. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX TN : XXXX Fax : XXXX email : XXXX New Court Case E # XXXX
07/27/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MO 64131	Web
Sometime in XX/XX/2018, I started receiving phone calls from XXXX XXXX , XXXX regarding a credit card from XXXX XXXX XXXX that was in collections ( and also had a judgment against me ). In wanting to clean up my credit, I agreed to make a payment of {$2400.00} to settle the account. I received a letter stating the settlement agreement on XX/XX/2018. I made the payment. on XX/XX/2018 I received a letter stating the account was paid in full. in the process of applying for a loan, I was told the judgement was still on my record and was owned/initiated by another company. I contacted that company and was told the account was never settled and they didn't know who XXXX XXXX is. on XX/XX/2018 I contacted XXXX XXXX, XXXX and spoke to a XXXX XXXX, who was very rude to me. He first told me he didn't know what company they had purchased my account from, so then I ask for a verification of debt letter, for which he told me the account was closed, and then told me it would take 30 - 90 days to get a verification letter, and then told me I would have to speak to the woman who handled my account but she wasn't there that day. So now, not only do I still owe over {$4000.00} for the judgement account, I can not get information on from XXXX XXXX as to how they have the account and to get my money back.
10/30/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MO 630XX	Web
This is an account that I had with XXXX over 10 years ago. I receive a garnishment on this account in XXXX. So I paid & XXXX on a {$500.00} credit card bill. I paid it because I knew that I did owe XXXX. I got behind on all my bills in XXXX, because I lost my job and I had to take lower paying positions. I never received a summons from the court to appear for this judgment. Today I received a garnishment for the same account for XXXX for # XXXX from Frank & Kramer stating that they gave me a {$1800.00} credit on {$1400.00} judgment and that I owed {$1300.00} in post judgment interest. My credit limit was only {$500.00} and the statute of limitations is over on this account the original judgment date is XX/XX/XXXX and I received the first garnishment in XXXX. How can I be sued for claim that I never received a court summons on. This issue was resolved by the CFPB back in XX/XX/2016 case # XXXX and Frank & Kramer dropped the garnishment against me stating it was paid. They started another garnishment for the same account in XX/XX/2016. They have taken a total of {$770.00} addition money out of my pay check. As I stated above this account was paid in full back XXXX. I would like a refund of the additional money taken out of my account. Thank You
06/06/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MO 657XX	Web
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
06/06/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MO 657XX	Web
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
02/13/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	MO 640XX	Web	Servicemember
I have a judgement from Kramer and Frank PC for a vehicle purchased for XXXX thru XXXX XXXX from XX/XX/XXXX?? Been so long I do n't remember. When the economy went bad in XX/XX/XXXX we had to let it go, and returned it to the XXXX dealer in XXXX Mo. After that we received a letter stating the vehicle had been sold at auction for XXXX, reducing the amount we owed to XXXX. At the time we also lost our home, so the vehicle was not at the top of our priorities. Today, 11 years later this company continues to garnish my wages. They show I have paid XXXX and still have a total due of XXXX! A year and a half ago, a relative had me ask them if they would accept a settlement, I gave them an offer and they laughed. They said they would accept XXXX. My wife has become ill and has been XXXX with a XXXX, she can not work and is in XXXX. When they renew their wage garnishments every few months, our income gets tight, and we can not purchase all of her medications sometimes. The worst thing of all, XXXX does not even have a record or account with my name on record anywhere.
01/19/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MO 631XX	Web
I froze my credit card in XXXX of XXXX after my office shut down and I was temporarily unemployed. Previous to this office closure, I had always paid on time and had not missed any payments. When I called to reinstate my account I was told that it was past due and I needed to set up a payment plan with a specific website with a specific PIN number which I obtained. I was then contacted by mail in XX/XX/XXXX by an office representing the credit card company which stated the same information with a different total then I had. I wrote them back by mail in XX/XX/XXXX as was stated in the letter and detailed the agreed upon repayment plan and to confirm the payment restart date of XX/XX/XXXX. I did not hear anything further from anyone else until I was served with a summons on Wednesday XX/XX/XXXX stating that I had a court date of XX/XX/XXXX regarding this very credit card. They set up a plan and then proceeded to ignore the entire plan without contacting me and letting me know that they were no longer adhering to the plan we had agreed upon.
12/09/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	KS 66062	Web
On XX/XX/2016, I received a letter from Kramer and Frank that states I owe {$100.00} to XXXX XXXX XXXX. I have not received a bill for this amount from XXXX XXXX XXXX, and they have not attempted to contact me about the amount owed. I have no problem paying the amount owed, but Kramer and Frank needs to send me an itemized bill of medical charges. Simply stating I owe {$100.00} to XXXX XXXX XXXX is n't enough to demonstrate that I owe this debt. Furthermore, I have attempted to match the unpaid amount to my XXXX XXXX XXXX XXXX XXXX claims, and there are no matching dollar amounts. In addition, once they have provided an itemized bill, proving I owe the amount stated in the letter, I am willing to pay the amount under the condition that they completely remove the collection item from my credit bureau reports, specifically because XXXX XXXX XXXX has not sent me a bill for this amount prior to placing the account for collection with Kramer and Frank. Thank you for your help.
11/24/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web
I receive a garnishment from Kramer and Frank for {$7400.00}. The judgement from XXXX/XXXX/09 with original judgement amount {$4300.00}. It stated that XXXX XXXX is the creditor and I havent ever had account with XXXX XXXX, I dont even know what type of creditor XXXX is. I dont think that this is my account. I contacted Kramer and Frank and they refuse to give me any information on this. And another thing why did it take them 8 years to contact me I have been in the same position for the last 10 years at XXXX XXXX and they tacked on 8 years of interest. This judgement is in my maiden name XXXX and I havent use that name in over 15 years. I am not sure what type of account this is but the statue of limitations should be up on this. I would like a refund for the money taken out of my pay check. I really need your help on this, because something is not right here.
01/11/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MO 630XX	Web
I had a credit card with XXXX XXXX back in XXXX and I lost my job so I was unable to pay the debt. In XXXX I received a garnishment from Frank & Kramer for {$1400.00} that I paid in XXXX for {$1800.00}. I never received a summons to go to court on this, but I paid the bill because I knew that owed XXXX XXXX {$500.00}. I received a garnishment in the mail today XXXX/XXXX/XXXX for {$1200.00}. I called Frank & Kramer and they claim that owed an additional {$1300.00} in post judgment interest and told me that this payment has to be paid and that I don/t have a choice in the matter. I should not have to pay {$2500.00} in interest to a debt collector on claim that is past the statue of limitations and that I have already paid. How can I be sued for a claim that I never received anything from the court tot appear on this claim. Please help me.
02/27/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MO 63043	Web
I had an attorney who represented me in a collection case with XXXX. He entered into an agreement with Kramer & Frank in XXXX XXXX, to which I paid faithfully every month until my obligation was met in the fall of XXXX. I noticed that none of my payments was recorded by XXXX, and they still have me owing the final amount, which was not the negotiated amount. I then got another letter from XXXX & XXXX trying to collect the same debt. What happened to the money I paid Kramer & Frank? Why hasn't the XXXX account been credited with that money, and why isn't the debt being adjusted by the payments I made. The payment arrangement was not much different than the total amount of the debt owed - in other words, it wasn't a 50 % debt reduction. So I want XXXX to recognize the payments and the debt to be satisfied as per our agreement.
11/18/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MO 63304	Web
The company, Kramer and Frank PC have made an attempt to garnish my wages but have a specific representative tied to my account who will not return my phone calls, leaving me in a position of having just a few days before they attempt again to garnish my wages. I had previously worked a payment agreement out with Kramer and Frank and then one day roughly two years ago they revoked my access to their online payment site and ceased contacting me until last month when on XX/XX/XXXX I received a letter from my financial institution stating the above about wage garnishment. I would like to simply return to my payment agreement and continue to pay down my debt but they are using these tactics to extract more money from me.
07/09/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MO XXXXX	Web
I have tried for months to resolve and settle this account. First it was with XXXX, it's been tossed around with XXXX XXXX and XXXX XXXX, now it's with Kramer and Frank. I have called and called many times. NO RETURN CALLS. I have left messages with Mr. XXXX, XXXX and XXXX. NO RETURN CALLS. No communication whatsoever. I have filed complaints before and Kramer & Frank said they didn't have it. I call XXXX XXXX they say they do. Finally today they say they do have it. No return calls after 4 calls! This is wrong. They are harassing me. I am sick of it. XXXX XXXX says they own it but refuse to take a payment or try to settle this. Please help me. I will be filing a complaint with the Missouri Bar Association.
01/10/2024	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	MO 63031	Web
Kramer and Frank LLC brought a loan from the XXXXXXXX XXXX for only XXXX in XXXX per the court doc they filed. The loan was take in XXXX. Kramer and Frank and doubled the amount in interest on the loan. Their practices are robbery. They will not answer the phone about the matter and I can not get in touch with the correct person to handle the case. No one will provide clear answers or speak with you. They never served me in XXXX ( as the original ) court document has. They are a predatory company who are using practices to rob the poor and not provide information needed to settle this matter. Their practice and fees should be looked into and their target demographic that they are charging unruly interest on.
10/23/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 63130	Web
I received a notice of a debt collection from Kramer and Frank, P.C. on XX/XX/XXXX stating I had until XXXX to dispute the debt. I sent a dispute letter on XXXX to the email address provided XXXX XXXX ) and have yet to receive any communication back from them. I called the office and spoke with XXXX XXXX XXXX and learned that a lawsuit was filed on XX/XX/XXXX despite never receiving any response back to my dispute letter. While on the phone, XXXX read to me a response to my letter that was only communicated internally and told me that my case was improperly handled, but the court case would be moving forward unless they reviewed my file and decided it should have a continuance.
12/16/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MO 63090	Web
On XX/XX/XXXX I was served for payment on a credit card from XXXX the petitioner was XXXX XXXX scaring me into paying options I lost my job awhile afterwards and I could not make payments they were notified I have recently received a notice from the law firm Kramer & Frank from a XXXX XXXX XXXX saying my wages will be garnished for this debt from XXXX XXXX. I was never notified prior to this saying this was going back to court and never had the opportunity to appear to defend myself against this issue. I feel I am being harassed and in stressful situation. Im single woman my income is all I have to live. This is a 14 to 15 year old debt from the days of my divorce.
04/25/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 64081	Web
I have a credit card with XXXX XXXX -I was in the process of starting to dispute some of the charges. But XXXX XXXX was not was not responding to me. Now I found out that I have been sent to Kramer and Frank attorney at law, and have a lawsuit pending from bankruptcy attorney solicitations. No one has contacted me fro m Kramer and Frank. I have not received any mail or phone calls from them. They have filed sue on me X/XX/2017 and I have not gotten anything from them. Today, X/XX/2017 I have faxed over a validation letter to the attorney office, but I ca n't seem to get a call back. Please help.
03/26/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO XXXXX	Web
XXXX XXXX XXXX refuses to communicate with me. I have reached out via telephone calls, letters and emails. No response or return calls. Nothing states that XXXX and XXXX have purchased this alleged debt with XXXX XXXX. My credit score just keeps dropping. This is wrong and I want justice. I have been in many disputes with XXXX XXXX with the CFPB and you just keep closing it. XXXX XXXX doesn't have integrity and I feel I am being harassed by this issue. It has been going on since 2016. That's too long to resolve an issue. There is no reasonable excuse why this keeps continuing. Please see attached documents.
03/23/2016	No	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MO 64138	Web
I have requested for Kramer and Frank to send me validation of this debt on a couple of different occasions. I have gotten the run around to talk to the original creditor which is XXXX XXXX. I have let them know that I am not familiar with the debt and to provide me with the proper validation showing my signature for such account and they have yet to send me that information. They also have another account in their office for XXXX XXXX but same with this account I have yet to receive the debt validation. They have not been biding by the FDCPA and I am requesting for those violationsto be addressed as well.
05/18/2020	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	MO 65101	Web
I am currently being sued by Kramer and Frank PC out of XXXX, MO for a defaulted student loan. I was never sent a notification of debt. The first time I am hearing about this debt is with a lawsuit. I left a message for the attorneys to call me and I have not received a call back. This is a loan I paid on for over 8 years and when I requested verification of debt with the original servicer, they refused. I then stopped paying the loan. Kramer and frank are suing me for more than the original loan amount and have not subtracted the approximate {$20000.00} dollars I already paid on this loan.
12/29/2016	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	MO 64063	Web	Servicemember
I send my payment on time every month for 18 months and I have never received a statement or anything from them. I have no way of knowing if my payments are even being applied against my huge {$50000.00} balance. When I call them they say they do n't know the balance or payment information and they will have to contact the credit bureau for my balance. What are they doing with my payments? Why ca n't I access my account online to view my payments and statement information. They have never sent me anything and know nothing when I call. This seems very fraudulent to me.
02/15/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KS 66062	Web
XX/XX/2019 my husband received 4 letters from Kramer & Frank addressed to him in regards to medical bills from XXXX XXXX XXXX that are in my name and not his. I am the primary on the insurance and he did not sign to be responsible at the time of medical visits. Letters included the following amounts : {$310.00}, {$220.00}, {$490.00}, {$160.00}. My husband is not responsible for the debt, the insurance is mine through my employer, and the FDCPA states that Kramer & Frank can not disclose this information to my husband.
08/25/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MO 630XX	Web	Servicemember
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1100.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt,
11/21/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MO 630XX	Web
I have received multiple notices from Kramer and Frank, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX over CC debt through XXXX XXXX for XXXX XXXX XXXX. They keep sending me letters and I have sent them the standard cease and desist letter twice! I am XXXX due to mental illness. Multiple diagnosis. They are making it hard for me to get by. Their reference file # XXXX. I earn no money. I live on XXXX. Their letters are making me feel weird and I need your help. If
08/31/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MO 63028	Web
I have called them multiple times, they don't answer the phone. They illegally garnished my check for more than 10 %, since I am head of household. They have started and stopped garnishing my wages multiple times, for no reason. Are they trying to just build more interest?? I can not contact them, so I need to at least make them follow the law by only taking 10 % from a head of household 's paycheck.
04/17/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MO XXXXX	Web
Kramer and Frank had 2 XXXX XXXX accounts. They failed to communicate with me to settle these accounts. They didn't answer phone calls, emails or calls. XXXX XXXX did not either. I have been trying to resolve since 2016. This is unprofessional and unethical. Being reported by XXXX XXXX in collections all this time and none of these business will communicate. Very wrong. I demand this be fixed.
02/14/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MO 657XX	Web
I filed bankruptcy in 2007 and specifically added the loan for XXXX i even had to meet with the judge to get this discharges and the judges discharged it and yet the collection agency refuses to acknowledge it the keep harassing me and taking my funds out of my bank accounts as well as my tax returns.I have sent them copies of the bankruptcy but they refuse to acknowledge it
10/03/2015	Yes	Debt collection Non-federal student loan	Communication tactics Called after sent written cease of comm	MO 64086	Web
Certified letter sent to Kramer & Frank on XXXX/XXXX/15, signed for on XXXX/XXXX/15 requesting validation of debt and to cease all phone communication. Requested communication of this matter to only be in writing at my address. Received telephone call from Kramer & Frank on XXXX/XXXX/15 violating my request to only contact me via mail.
12/15/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 641XX	Web
XXXX judgment with lawyer at Kramer and frank my debt consolidation program has been trying to reach their office since XXXX they dont return phone calls I ve tried left messages with no luck just want to pay them in full they are still on my credit report harassing my life and my progress forward they are terrible
06/14/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MO 65804	Web
I would try to reach someone in the company and they are hard to get a hold of. I made 4 payments and they stopped taking the payments out. Then I repeatedly tried to get a hold of someone and their phone system is useless. They have now garnished my bank act instead of place of work which I have never heard of.
07/20/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	KS 66030	Web
XX/XX/2018 FILE STAMP XX/XX/2018, XXXX RETURN XXXX CO KS, SUMMONS, PETITION, AFFIDAVIT AND EXHIBITS SERVED XXXX XXXX XXXX XX/XX/2018 E/S I was told by the XXXX County sheriff office that there will be a warrant for my arrest if I don't show up to court. I explained that I can not afford to pay this bill.
03/27/2018	Yes	Debt collection Medical 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	KS 66062	Web
I was listed on a lawsuit filed by Kramer and Frank P.C. which I am not a party to. This was on my wife. She had the insurance in her name and some how my name was added to this. I have no ties to this debt and they are threatening me with garnishment. She only listed me as an emergency contact.
10/20/2016	No	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MO 63121	Web
Debt collector sent false documents and once this was revealed had the whole XXXX XXXX COUNTY GOV BUILDING committing violations of fraud to from judges making false claims to the recorder office tampering with evidence. The case is explained step by step in attachment
07/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 66048	Web	Servicemember
A dept collection law firm, is garnishing my bank account, which I had no knowledge of an account in the process of being garnished.I believe it is identity theft or mistaken me for some one elese.
07/27/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	KS 66048	Web	Servicemember
Kramer & Frank P. C. Has a new file number, and account number different from original case load which is false, that is pending against me
09/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66030	Web
Kramer & Frank has ruined my credit history for medical bills my ex husband owes and I divorced him. Why are these bills in my name?
09/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 64080	Web

05/20/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MO 63116	Referral

02/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 64080	Web

08/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	KS 66204	Web

07/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KS 66064	Referral

11/10/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MO 63115	Web

11/09/2020	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 641XX	Web

04/24/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt		Fax

01/10/2020	No	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MO 64134	Web

12/11/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MO 65483	Postal mail

02/15/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 63301	Phone

01/02/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	KS 66762	Postal mail

10/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63119	Web

04/22/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AL 36116	Web

04/18/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66760	Postal mail

12/30/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MO 63361	Referral

06/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63017	Postal mail

05/25/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MO 63640	Web

05/18/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	KS 66112	Web	Servicemember

03/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 63136	Web

11/09/2016	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	MO 63121	Web

09/19/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	KS 66207	Web

03/16/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MO 63017	Web	Older American

01/16/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MO 63034	Referral

12/09/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	KS 66030	Web

10/21/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 64030	Web

10/06/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MO 63048	Web

09/15/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	MO 63104	Web

07/31/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MO 64156	Web

07/08/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MO 66101	Referral

05/18/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MO 63368	Web

05/14/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	MO 63048	Web

03/10/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	MO 63090	Web	Older American

02/21/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	KS 66062	Web

01/05/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	KS 66064	Web

12/23/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	MO 63130	Web	Servicemember

10/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MO 63033	Web

09/09/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	MO 63127	Web

08/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 63104	Postal mail

06/09/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	KS 67110	Web

06/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MO 63106	Postal mail

05/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 63135	Web

04/23/2014	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	KS 66036	Web

02/20/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NJ 07657	Fax

02/09/2014	Yes	Debt collection Auto	False statements or representation Impersonated an attorney or official	MO 65616	Web	Servicemember

01/29/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MD 20607	Web

01/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 63034	Web

12/01/2013	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	KS 67336	Web

10/17/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	KS 67042	Web

09/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	MO 63136	Web	Older American

08/20/2013	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	MO 63010	Web	Older American, Servicemember

06/04/2012	Yes	Credit card	Collection practices	MO 64064	Web