Law Office of James R. Vaughan, P.C. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/10/2017	Yes	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	AZ 85306	Web	Servicemember
My name is XXXX XXXX and I 'm the defendant in a XXXX XXXX XXXX civil case # XXXX. I believe the Plaintiff ' XXXX XXXX XXXX and the Plaintiff 's attorney Law Office of James R Vaughan is attempting mislead and lie to government officials and hide/remove legal documents from the court/judges in the case to gain financially for the plaintiff. On XX/XX/XXXX the court had a ruling refusing to renew the Default judgment in this case because the plaintiff 's attorney tried to renew the Default Judgment to early by 6 months and violated ARS12-1612 E & F and was denied because the last renewal of judgment was stamp dated XX/XX/XXXX. The plaintiff 's attorney Filed XX/XX/XXXX and asked the court to reconsider its ruling from XX/XX/XXXX and was told they could not file because the file was destroyed pursuant to legal authority because of XX/XX/XXXX ruling. I went to court to file a motion and clerk said I could n't on XX/XX/XXXX and was told I could n't. Instead the court handed me a form called a certificate of Judgment status ( form is attached ) with my case # and 2 boxes were marked on the form. One box has been checked it says " more than five ( 5 ) years has passed since date of judgment and a renewal of judgment has not been filed with this court. '' the second box is checked it says " " The file has been destroyed pursuant to legal authority '' its signed XX/XX/XXXX by the clerk of the XXXX XXXX XXXX. I mailed this form to the plaintiff 's attorney and they did not add it intentionally to the case docket. After that day if you put in the case # it would not come up on the internet. Then 5 months pass and i get a letter that they renewed the judgement Dated XX/XX/XXXX. I received this letter around XX/XX/XXXX. The Plantiff 's attorney has reconstructed the case intentionally leaving out ruling refusing to renew the judgment in the case from the case docket from XX/XX/XXXX and the signed clerk letter from XX/XX/XXXX. The Plaintiff 's attorney knows they could not renew the debt so is hiding this XX/XX/XXXX ruling. There are several legal documents missing intentially from this case and several documents since XX/XX/XXXX. There has been several new motion and hearings took place that was not sent to me even though the plantiff 's attorney and the court have my correct address. under 12-1612 E & F it seems the illegally removed their attempt to renew the judgement knowing they did 6 months prior and the court denied it XX/XX/XXXX and destroyed the case file and now they reconstructed an incomplete case file removing legal rulings. All this time the attorney has my address but does not send any filings or hearing dates to me and has never produced any legal proof that this is my debt. I answer the original case within 20 days via phone asked him to send me the debt info and I would pay it. XXXX XXXX XXXX lied to court and said I never answered the within 20 days the original Default judgment case.. ARS12-1612 E & F E. Additional and successive renewal affidavits as provided for in subsection B may be made and filed within ninety days of expiration of five years from the date of the filing of a prior renewal affidavit. F. Recorded judgments that have been timely renewed by a renewal affidavit and successive affidavits, even if such successive affidavits were not authorized by prior law, may be renewed as provided in this section if the prior renewal affidavits were filed within ninety days from the expiration of each successive five year period.
05/29/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ XXXXX	Web
I received a letter from the Offices of James R. Vaughan, P.C. They stated that they had been hired to collect on a {$7800.00} loan having to do with a XXXX XXXX XXXX XXXX with VINXXXX originating from XXXX XXXX on behalf of XXXX XXXX. The letter from from the law firm stated that if they did n't hear from me with 30 days they would assume the debt was valid and take actions accordingly. -- >This debt is not mine. I have NOT done business with XXXX XXXX or XXXX XXXX. I have NEVER owned a XXXX XXXX XXXX. Yes, they had my address but they were writing to someone else ( that did n't even have my identical name ) .< -- I promptly ( the next business day ) called the law firm ( at XXXX ) to tell them that they had the wrong person and to please disassociate my address from their dealings with those companies and that car. The first person ( only willing to identify himself as " XXXX '' ) attempting to summarily dismiss me asked if there was anything else he do. I did not hear him type one stroke onto a keyboard. He did not have enough identification from me ( although he attempted to take my social security number and said we has recording the phone number I was calling from ). Why would n't he just take the file number off the letter I was offering him? He kept asserting that I was the debtor, that he did n't have any proof I was n't the debtor ( even though we would n't take what I was offering him, and that the correct debtors call them all the time pretending to not be who they are. He refused to answer my questions or give me any degree of certainty that I would not be contacted again. I have a perfect credit score and afraid that this firm is going to continue to harass me for a loan and nothing to do with. Mr. XXXX, the next person I talked to refused to give me any verification that the calls I had placed ever existed. A ticket number. A receipt. A procedure. Something that would document that these calls had been placed. Giving him plausible deniability? He first said that he did n't have to because I was n't a law firm then denied that he said that then said that he was prohibited from communicating with me. ... yet his firm wrote me and he was TALKING to me as he said he was n't legally able to. Obviously this firm is predatory, willing to get a buck from whomever they can with no regard for collecting from the proper individual. If that was my car how come my name had never been filed for the tabs or the license for that car? Do they have the right to shake down every tree that happens to be XXXX or XXXX XXXX until they get one that is clueless or helpless enough to be victimized? I am not their mark. All they had to do was tell me they knew I was n't their guy and give me some kind of memento of the occasion ( for my use in future legal proceedings ). But they apparently were very eager to preserve their anonymity ( /lack of involvement ) and therefore reserve the right to keep communicating with me off the record?
01/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	AZ 850XX	Web	Servicemember
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Attorney Law Office of James R. Vaughan , P.C . and XXXX are engaging in said violations of latter federal statutes. Mr. XXXX and XXXX XXXX filed complaints against said entities who could not provide within 30 days of their notice of alleged debts that Mr. or Mrs. XXXX owed any monies whatsoever. There is no itemized receipt that was produced within the afforded time frame for complaint XXXX that was submitted on XX/XX/XXXX. The company James R. Vaughan which alleged represents XXXX XXXX responded on XX/XX/XXXX, with no evidence, which is 3 months after the complaint was filed against them. This company James R. Vaughan and XXXX are frauds and are covering up the fact that their client XXXX made Mr. XXXX and XXXX XXXX credit worse, and charged them money that they paid to XXXX without any real tangible increase in credit. In fact, XXXX owes the XXXX family fees it collected from them in the thousands, without ever receiving promised increase in credit scores, in fact as stated above, credit scores dropped significantly and remained that way. Thus, given that no tangible results were obtained from XXXX, and the fact that 3 months were taken to respond to the complaint noted at CFPB, Mr. and Mrs. XXXX XXXX without a doubt are covered under the law that protects consumers from fraudulent collection activity that violates federal statutes described above. XXXX engages in verbal and written abuse of consumers via phone and email as described in multiple complaints, and now James R. Vaughan continues in this unwarranted harassment. Their claims of debts are invalid and devoid of merit. Therefore, there is no legal validity to James R. Vaughan and XXXX allegations, no debts are owed, and in fact XXXX should return all fees that were paid for services not rendered or obtained. If XXXX is unwilling to return thousands of dollars paid, then they and James r Vaughan need to cease their fraudulent actions, which violate the federal consumer credit laws.
09/15/2020	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	AZ 85018	Web
Hello My name is XXXX XXXX resident of XXXX XXXX XXXX XXXX XXXX az XXXX. I have been getting court letters from a collection company name Law Offices of James R Vaughan Case # XXXX. I was victim of family fraud and someone on my behalf used the credit card and credit had a balance of {$9600.00}. This is with chase bank. I called chase bank and they said the balance is still {$9600.00}. The collection company has been charging the interest fee and made balance of almost XXXX. Even though I dont owe due to fraud, I still tried to settle it but collection company is not agreeing and kept saying chase is not accepting any settlement. I called chase, they said the balance is charged off, so I dont even have to pay anything on this card as It is charged of and will remain on my credit. The collection company keeps threatening me and sending garnishment letters to my part time employment. I am trying very hard in this pandemic to make some income but they are not ready to talk to me. I spoke with XXXX from the Law Offices of James R Vaughan today XX/XX/15 and he just hung up by saying no offer. you have to pay XXXX and interst will still keep accruing. It is affecting me mentally and I am not in a condition to hire a lawyer. I tried reaching out to one lawyer and they said Bankrotcy is an option. Well I dont want to ruin my credit for ever by filling bankruptcy when I ready to make settlement and collection company is not ready to work with me, The case was disslved in XXXX XXXX and they again renewed it. I need help.
11/17/2020	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85143	Web
On XX/XX/2020, I spoke with a collector which I believe his name is XXXX at Law offices of James R Vaughn XXXX XXXX ) XXXX, Washington Office, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX. I spoke with this collector in length about paying monthly payments or to settle out the debt. After speaking with this collector, he wasn't wanting to work with me and I advise him I wasn't working and then afterwards he said your husband works and I was playing games and since my husband works and we will go after him. I was very distraught and spoke with my husband about the call. My husband called them and he spoke with XX/XX/XXXX which refused to file a complaint and also he asked for a debt validation because they had my husbands SS # and date of birth. My husband then called back to speak to a manager, He spoke with XXXX XXXX, and after speaking with him about the call, he mentioned the collector did make a mistake and apologized but refused to accept blame. My husband spoke to him about the debt that was created before the marriage. XXXX stated that the attorney forgot to click off a button and a suit was filed for both our names but now my husband wasn't responsible for the debt. He also wouldn't comment how they have his SS # and DOB. He wouldn't go any further but to collect the amount due. First XXXX didn't address the issue that my husband was refused the opportunity to file a complaint nor was I given the opportunity to ask for a debt validation. This is wrong at all levels of this company!
10/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85023	Web	Older American
XXXX to XXXX years ago my husband did a flooring job and it was destroyed by other trades working in the home. The last judgement was the judge telling both my husband, the owner of the flooring company, and the customer to work it out in the hallway of the court. They came to an agreement and that was the end of it. It was a XXXX XXXX dollar agreement. We took care of my mother for XXXX years. She had Parkinsons and was in a wheelchair. Because I was physically destroyed after lifting my mother for XXXX years I was given her life insurance of XXXX XXXX dollars. My mother passed away, the insurance deposited the check and the second it went in the bank account, XXXX XXXX XXXX XXXX to the entire XXXX XXXX dollars out of the bank. We didnt owe anyone money so it took several days to find who and why the money was taken out. We called the debt collector and they said tough luck for us. They said there wasnt anything we could do. I tried to XXXX XXXX. I was so shocked I couldnt get out bed for over a year. We are people that planned on that for the only retirement we would have. Leaving no money in the bank everything began to bounce and it overdrew our bank account XXXX XXXX dollars. We had to sell our belongings to pay the rent and keep the car. What a world we live in. Mind blowing fraud but we had No defense.
10/12/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AZ 85705	Web
On XX/XX/2020 i received a letter from my employer " XXXX XXXX XXXX XXXX '' of a Non Exempt Earnings Statement ( Judgement not for support ). this letter stated I have had my wages garnished without proper notification. I never received a letter from the court nor the law offices of James R. Vaughn. I only found out about the garnishment from XXXX XXXX XXXX XXXX XXXX stating my wages where being garnished. Subsequently i am enrolled through a debt counseling agency whos managing my payments to creditors to help me get back on track with my debt to move on with my life. This garnishment is causing me to fall into ECONOMIC HARDSHIP. I cant afford to buy my prescription medication, I cant afford to see a Dr. Or pay my rent on time. I cant even afford to put gas in my car or keep up with my other bills, after the garnishment I am only bringing home about {$610.00} bi weekly. I have been late on my rent, i cant afford to buy groceries or buy food because of this garnishment. I cant apply for government assistance because I work for XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX XXXX. XXXX agents do not qualify for SNAP or Medical benefits. I called XX/XX/2020 at XXXX XXXX to discus why I was ambushed like this.
10/29/2017	No	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	XXXXX	Web
The Law offices of James R. Vaughn has been harassing me over a gym membership that I signed up for in XXXX. I stopped paying for the membership as the locations in Arizona went bankrupt and out of business.. they just started coming after me a few years ago with harassing letters and calls. Showed up at my sisters house and told her I had a warrant for my arrest. I looked at my checking and savings account this morning to find that they had taken out {$3200.00} without my permission. Sending a judgment to my bank.. my bank XXXX XXXX let these funds go without doing reasearch to make sure that this company was even reputable.. I have nothing on my credit for this and no judgments on my credit either.. I did some research on this law firm and it turns out I 'm one of hundreds of people who have been victimized by them ... according to the information I obtained the Law offices of James R. Vaughn in Arizona as of XXXX XXXX is no longer able to collect debt in the state of Arizona. I would love to be able to get my money back as I do n't find it fair that they are able to collect this money after 13 years for a company that no longer exists in the state I reside. This appears to be past the statue of limitations as well.
01/02/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NV 89106	Web
I am writing this letter in because I received a lawsuit in the mail from Law Office of James R Vaughn about a debt reported by XXXX XXXX in the amount of {$2600.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation with my signature proving that I owe this debt ; and a copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
03/06/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85304	Web
XX/XX/2020 i received court paperwork by mail saying the law office of James Vaughan was Garnishing wages for a debit owed. i called the company and said the name on the garnishment was not mine, it is addressed to XXXX XXXX XXXX and XXXX XXXX, the rep said the first 3 of the SS # were incorrect and that i need to send a email to them stating the i am not either one of these people nor do i know them, i did as the asked. On XX/XX/2020 i received another set of paperwork stating they were continuing with the garnishment and lien. i again called the company and said this is not me, they told me that SS # was on it so i need to pay it, i tryed to tell them i never had the last name XXXX the said i was a lier and im going to pay it regardless of what name is on it. they said the collection is from a apartment complex in XXXX i never lived in that complex in that year. i asked them to show me proof that i signed the lease and used my id to get the apartment, was told i that to prove to them i didnt get it they dont need to prove anything.
08/08/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	AZ 85304	Web
In XX/XX/XXXX I opened a XXXX credit card, I had a {$1400.00} balance and I defaulted on it a year or two later. In XX/XX/XXXX they tried to put a lean on the checking account. Since I 'm on XXXX they could n't take money since I get government checks. Skip to XXXX XXXX, I got a letter from one of my credit card companies that they were inquiring my information. I called to find out what was going on. They said that I owe {$4700.00} and I needed to pay it back or they were going to take court action. I asked if it could be reduced to the original amount plus lawer fees they rejected it and said I had to pay back the full amount. So to avoid the court action I agreed to pay {$100.00} a month for a year then $ XXXXfor a year then {$150.00} for another year, with a final payment of {$91.00}. They said that was the only way to avoid court action. Being on XXXX I can NOT afford this. I say one of your reps on XXXX XXXX, so wondering if you can help me in this matter?
09/07/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 850XX	Web	Servicemember
I have filed complaints against XXXX XXXX XXXX since 2017 for false claims that I and my wife owe them money. in fact XXXX owes me thousands of dollars for being paid money for credit repair that never occurred. XXXX has repeatedly falsely claimed that I and my wife owe them XXXX and now they are using a so called law office to threaten me and my wife. XXXX along with the law office of James r vaughn need to be investigated for the following : 1. deceitful communication tactics related to credit repair 2. false statements via electronic means 3. harassment via electronic means 4. threatening behavior via electronic means 5. fraud for stealing from service members under the false claims that credit will be repaired 6. stealing money from Veterans and service members for services not delivered, i.e, credit repair. 7. false claims related to marketing : that if you are not satisfied with their services you do not have to pay any further.
02/01/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NV 89129	Web
A vehicle from 2017 is reporting {$0.00} balance on my credit report. I received a judgment from an attorney located in Arizona by the name of James R Vaughn who is acting on behalf of a company XXXX XXXX. This attorney James R Vaughn owns XXXX XXXX which has an office in XXXX, AZ as well as XXXX, WA. This person has threatened me with garnishments that total {$19000.00}. The legal civil limit foe a civil complaint in Nevada is {$15000.00} and an attorney can not own and operate the same collection agency that they represent. I have never had any written or oral communication with this attorney and or his collection agency therefore never having the opportunity to respond to any claims against me. I will be reporting this man to the Attorney Generals Office and the Board of Attorneys for unethical practices.
06/28/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AZ 85020	Web
On XX/XX/XXXX, I came home to a lawsuit for over {$2000.00} taped to my front door filed by XXXX XXXX XXXX XXXX. on behalf of an apartment complex, XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX Apartments, where I lived for 4 months in XX/XX/XXXX, 3 years ago. I am told I have 20 days from that date to respond. I was constructively evicted due to their unresolved problems and unsanitary conditions of infestation of mice, scorpions and roaches. Today, XX/XX/XXXX, in review of my credit report I received in the mail, the XXXX XXXX XXXX debt collection agency has ran my SSN without my permission gaining access to my credit report on 2 different occasions, XX/XX/XXXX & XX/XX/XXXX.
05/14/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85255	Web
This company XXXX XXXX, XXXX which I have No Contract is a third party agency that has sent fictitious documents stating that I owe them an amount to my place of employment and originally an old address which I never received. Nothing was ever sent to me certified mail nor registered mail to my correct address. Furthermore, this company is actually an attorney posing as a third party collection company. Which is in violation of 15 U.S. Code 1692e. False or misleading representations. Ive sent them a validation of debt by registered mail which I havent gotten a response back yet.
10/30/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NV 89128	Web
I had started a payment plan with XXXX in XXXX. They took the initial payment. Now, almost a month later I receive a letter from a lawyer ( XXXX XXXX in Arizona ) saying they need my up to date information for service. XXXX retracted my account from XXXX and sold it to another company who went with a lawyer route. I had already made my initial payment to the payment plan, can I fight to stay on the payment plan to avoid garnishment? It does not seem right to me that they would cancel it for no reason, without letting me know, and sell it to another company.
11/29/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85281	Web
The Law Office of James R. Vaughan , P.C . in XXXX, AZ contacted me via mail on XX/XX/XXXX and sent me garnishment letter about the XXXX XXXX credit card account that was opened under my name and social security number and charged off to a third-party collection company. The Law Office of James R. Vaughan , P.C . has garnished my wages since XX/XX/XXXX. The XXXX XXXX account was too old so the identity theft could not be fixed by my lawyer. I would like you to help me fix my identity and prevent identity thief from happening again.
07/12/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	NV 89110	Web

05/21/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit		Phone

10/13/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AZ 85249	Web

11/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85087	Web	Servicemember

07/21/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AZ 85381	Web

09/14/2017	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ 85379	Web

05/10/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85281	Web

03/27/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AZ 85040	Web

12/07/2016	Yes	Other financial service Debt settlement	Unexpected/Other fees	AZ 85209	Postal mail

08/18/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	AZ 85037	Web

09/15/2015	No	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	AZ 85029	Web	Servicemember

02/11/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	AZ 85737	Web

01/23/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	WA 98221	Web