Law Office of Michael J. Scott, PC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/17/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 75070	Web
This week I began receiving advertisements from attorneys in the mail. I never receive anything like that so I opened one of the letters from the attorneys seeking my business and found that XXXX XXXX XXXX XXXX was suing me and it listed a case number for XXXX. This baffled me because why would strangers know I have a case and I wasnt even made aware I had a debt let alone a case!!??? I went onto the XXXX XXXX website and looked up the case number and there is a case filed from XXXX XXXX XXXX XXXX XXXX XXXX. ( Which I have included a copy of in this complaint ). Then I went to my folder called INFORMED DELIVERY FROM USPS- this is a service that the UNITED STATES POSTAL SERVICE provides to residents. With INFORMED DELIVERY each piece of mail that you will receive that day is scanned and an email is sent to you every morning letting you know what will be in your mailbox for that day. I am a very thorough person and I ALWAYS keep records for a few years because of any mishaps. I also dont throw my mail away! I file my mail away and after 3 years or so I bag it up and take it to shred day here in Texas. With that being said I looked back in my informed delivery over the past year and saw that I HAVE NEVER EVER received any correspondence from XXXX XXXX XXXX XXXX. Even I know it is against the Fair Debt Collection Practices Act and the Fair Credit Reporting Act to skip over steps in the process of debt collecting. I never received any type of communication from XXXX XXXX XXXX XXXX nor its affiliates. I know I dont owe this company any money because I HAVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAVE A CONTRACT OR ANY TYPE OF AGREEMENT WITH THIS COMPANY! They have never provided me a service just like they never provided me a collection notice! I have no idea what they are collecting! Be that as it may at XXXX XXXX I called XXXX XXXX XXXX XXXX at XXXX and spoke to a very, I means extremely rude representative. She asked me for my file number and I told her that I did not have a file number because I have never received anything in the mail so Im unable to provide her with a file number. I told her I have a case number or I can provide her my name and phone number. She said that she could not look me up by my name or address or case number and that I will need to provide her my social security number. I immediately told her Im not giving her my social security number because I dont know her. She then became rude, wouldnt allow me to speak and was telling me that I had to listen to her and that either I can give her my social security number or I can call the people the case is filed with - meaning the courts. I told her again I was not giving her my social then I asked her if she would give me her social and she hung up in my face. At XXXX XXXX I called back and got a man this time and he also wanted my social security number. I told him I was not giving him my social and how can you file a case against me if you dont have any of the proper information? How do you know if you even have the correct XXXX XXXX? The man then said he cant help me without my social security number if I have no file number and that I can call their XXXX Collections Department and maybe they can help me. I asked for their number and he gave me XXXX. I then call the XXXX Collections Department at XXXX XXXX XXXX XXXX and spoke with a representative there by the name of XXXX XXXX. I advised Miss XXXX that I have been receiving letters from Attorneys wanting to take a case that has been filed against me with this company but I have no idea what the case is about or who your company is. I said the only reason I found out was from advertisements from attorneys. I also made Miss XXXX aware that XXXX XXXX XXXX XXXX has never communicated with me at all and that is illegal. Miss XXXX asked me for my file number and I informed her that I did not have one because I never received anything from this company but I do have a case number I can provide her. I then provided her with the case number listed with XXXX XXXX XXXX as XXXX. Miss XXXX said she could not find anything with that case number for a XXXX XXXX. She then asked my address and I told her XXXX XXXX XXXX, XXXX, TX XXXX. Miss XXXX again said she could not fined me in the system and she asked me for my social security number and I told her I was not providing my social security number. Miss XXXX basically told me she could not assist me. Both of these 2 phones calls were recorded according to the script given to me by the representatives and if hiring an attorney is necessary I will have him/her request those recorded phone conversations for court purposes. Miss XXXX and I ended our conversation. At XXXX I then called XXXX XXXX XXXX of Courts at XXXX and spoke with the clerk of courts there. When I provided her with my case number of XXXX she said yes there is a Debt Claim here from XXXX XXXX XXXX XXXX and she provide me the amount this company is trying to sue me for. I then asked the clerk when the court date is and she told me there is no court date as of yet. She said this company has hired a 3rd party to serve me. The clerk then asked if I have been served and I advised her that I have not been served this is all new to me. The county clerk then advised me that I have to be properly served before a court date can be set. I thanked the clerk and ended the phone call. then decided to do some research on this company XXXX XXXX XXXX XXXX and found that this company buys peoples debts for XXXX cents on the dollar and then sues people for a debt they decided to purchase. In doing this practice the President of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made {$880000.00} in salary and bonus for the year! Upon further research I have learned that this is the process for XXXX XXXX XXXX XXXX. They do not send out letters to the alleged debtors informing them that they owe a debt and in doing that they dont allow the person they claim has a debt the opportunity to respond and say hey I need to validate this debt please send me proof of validation. Instead XXXX XXXX XXXX XXXX goes straight to filing a court case against a person of whom debt they purchased with the hopes of the defendant not showing up in court so that XXXX XXXX XXXX XXXX automatically gets a default judgment. NOW THAT IS NOT ONLY ETHICALLY WRONG - ITS AGAINST THE LAW AND CONSTITUTES A LEVEL OF FRAUD AGAINST THE ACCUSED. This is what XXXX XXXX XXXX XXXX does : Most of the time, when someone is sued by XXXX XXXX XXXX XXXX that person fails to defend the case or show up in court. With no opposition to the lawsuit, the judge grants a judgment in XXXX favor. Once that judgment is issued, XXXX can collect through wage garnishment, bank account levy, and other tactics. XXXX XXXX XXXX XXXX has been sued and had to pay out multiple multimillion dollar settlements for their illegal practices and here is the list so far : XXXX. XXXX when the Consumer Financial Protection Bureau ( CFPB ) sued XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX for running afoul of debt collection laws. The companies agreed to pay a combined {$79.00} XXXX for violating the Fair Debt Collection Practices Act and the Consumer Financial Protection Act by suing consumers without proper documentation, attempting to collect on debts that were too old, and failing to provide consumers with legally required disclosures. WHICH XXXX XXXX XXXX XXXX Has now done to me! I have received nothing from them at all! I had to receive letters from attorneys and XXXX XXXX XXXX XXXX has my correct address! XXXX. Also in XXXX this same company the company was sued by 42 states and the District of Columbia for engaging in illegal debt collection practices, such as filing lawsuits without proper documentation and attempting to collect on debts that were too old. XXXX paid a {$6.00} XXXX settlement to resolve that lawsuit. XXXX. In XXXX, the company paid {$12.00} XXXX to resolve allegations made by the XXXX of Massachusetts that it had engaged in deceptive and unfair debt collection practices, such as filing lawsuits against consumers without proper documentation, collecting on time-barred debts, and harassing consumers with excessive phone calls. These actions are in addition to the hundreds of lawsuits filed by individuals against XXXX and XXXX for violating their rights under the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and various state consumer protection laws. So with all of this I am here to state the following to XXXX XXXX XXXX XXXX through THE CONSUMER FINANCIAL PROTECTION XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This letter is regarding XXXX XXXX XXXX XXXX XXXX Case Number : XXXX and Im providing the court case number due to the fact that this company never sent me anything in the mail or any form of communication so all I have is a case number, which you claim I owe {$4800.00}. This is my formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX XXXX. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. PLEASE NOTE : I ALSO HAVE XXXX POLICE REPORTS ON FILE WITH ALL XXXX CREDIT BREAUS SHOWNG MY IDENTITY WAS STOLEN BOTH IN XXXX AND IN XXXX WHEN MY PURSE WAS STOLEN. SO WHAT YOU ARE DOING AND ACCUSING ME OF IS FRAUDULENT!!! I HAVE ALL MY DUCKS IN A ROW AND IM FULLY PREPARED TO FIGHT THIS HEAD ON AND THEN SUE YOU AFTERWARDS. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe to your company, is in violation of the FCRA & FDCPA. Pending the outcome of my investigation, of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt with ALL of the requested information will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : this notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : XXXX. Agreement with your client that grants you the authority to collect on this alleged debt. XXXX. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor and if not paid that I then had to pay XXXX XXXX XXXX XXXX XXXX XXXX Any insurance claims that have been made by any creditor regarding this account. XXXX. Name and address of alleged creditor. XXXX. Name on file of alleged debtor. XXXX. Alleged account number. XXXX. Amount of alleged debt. XXXX. Date this alleged debt became payable. XXXX. Date of original charge off, write off or delinquency. XXXX. Verification that this debt was assigned or sold to XXXX XXXX XXXX XXXX. XXXX. Complete accounting of alleged debt. XXXX. Commissions for debt collector of collection efforts that is successful. Please provide the name and address of the bonding agent for XXXX XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive all of the requested information back from XXXX XXXX XXXX XXXX. I have included copies of my INFORMED DELIVERY FROM USPS SHOWING I SEE MY MAIL BEFORE IT IS PLACED IN MY MAILBOX DAILY AS WELL AS COPY OF THE COURT FILING. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Best Regards, XXXX XXXX XXXX : Consumer Financial Protection Bureau Cc : Texas Attorney Generals Office Cc : XXXX XXXX XXXX
10/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75070	Web
XXXX XXXX XXXX, XXXX All Rights Reserved Without Prejudice XXXX C/O XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX SCOTT & ASSOCIATES XXXX XXXX XXXX XXXX, Texas XXXX Re : Your File No : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account Number : XXXX Case Information : XXXX XXXX XXXX XXXX XXXX This letter is regarding the letter sent to me by your office Scott & Associates XXXX XX/XX/XXXX as well as your CFPB Consumer Financial Protection Breau response back to me dated XX/XX/XXXX signed by your Compliance Assistant XXXX XXXX XXXX as well as the response I received today. ( I have included all copies of correspondence for your reference ). XXXX XXXX XXXX XXXX XXXX stated in their files that I was the one that provided my information, and I was not. I dont think that you all understand what Identity theft is. I dont rent furniture. I dont have to rent furniture, nor have I ever rented furniture. I do not know who XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is. I never contracted with XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never granted anyone or any corporation the authority to administer my property ( my name, address, phone number etc. ) without my consent or rights. I will also let you know that I have exclusive copy rights to my name. No one can use my name but me so that is a crime that Scott & Associates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have committed within themselves. So, this is forgery and fraud. XXXX XXXX XXXX XXXX XXXX purchased accounts which are listed on The Redacted Bill of Sale, with names of individuals who allegedly owe money to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and chose a random XXXX XXXX. Then there was a contract that was made between those two parties that did not include me, the alleged debtor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX took it upon themselves to create a new contract that did not include the party that you all are accusing the debt to belong to. Then once the new contract was made between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX slapped it upon my copyright name. Where is the certificate of novation? I was never provided with an offer from XXXX XXXX XXXX XXXX XXXX. I never accepted anything from XXXX XXXX XXXX XXXX XXXX. I was never provided with full disclosure from XXXX XXXX XXXX XXXX XXXX. I was never provided Equal Consideration in this new contract between XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I was never provided Lawful Terms and Conditions in this new contract. There are no Wet signatures of both parties on this new contract meaning my wet signature and a wet signature from a person representing XXXX XXXX XXXX XXXX XXXX Those are items that are needed to create a lawfully binding contract. If this were my debt, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would not and can not produce any document with my wet signature giving them permission to disclose my nonpublic information. By doing so that would be a clear violation of federal law. Anything that XXXX XXXX XXXX XXXX XXXX, who is a third party, says or produces is hearsay in a court of law and anywhere else. XXXX XXXX XXXX XXXX XXXX would not have been privy to the alleged original agreement. XXXX XXXX XXXX XXXX XXXX would never have been a part of any alleged original contract. XXXX XXXX XXXX XXXX XXXX is a 3rd party debt buying company who paid {$570.00} for a fraudulent debt. XXXX XXXX XXXX XXXX XXXX then fraudulently placed this debt upon my copyright name and expects me to fraudulently pay them {$4800.00} for a debt they wouldnt even pay {$4800.00} for themselves. That is extortion and a criminal act. Demanding money that XXXX XXXX XXXX XXXX XXXX did not even pay out themselves towards a random person is a gift however turning around and saying that person now owes them money, is a criminal act. This is a gross misrepresentation of common law fraud, and securities fraud. If a person is in a grocery store standing at the register getting checked out by the clerk and did not have enough money to pay for the groceries and XXXX XXXX XXXX XXXX XXXX said, I will pay for it does that mean that person then in-turn owes XXXX XXXX XXXX XXXX XXXX Of course not, it was a gift. If this were my debt, which it is not, XXXX XXXX XXXX XXXX XXXX would not have any right to determine what I owe. I am not XXXX XXXX XXXX XXXX XXXX property nor do I have any property that belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX or Scott & Associates. XXXX XXXX XXXX XXXX XXXX should not be sending any demands for anything because it is TOTAL FRAUD! It is also harassment. I am sure XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has gotten a kickback from the I.R.S. regarding this fraudulent account. What I am considering is that if this fraudulent claim, threat, RICO offense, is not removed against my copyright name, I will report all 3 of you to the I.R.S. using the 3949-A form for tax law violations. Being that the United States has been up under a bankruptcy since XXXX and there is no money, all the consumers debts are to be discharged to the United States. I know what you all are trying to do with this fraudulent case since it has a case number, but you wont do it with my name. Be that as it may : Scott & Associates or XXXX XXXX XXXX XXXX XXXX have no jurisdiction over me or my name, address, or my property because I am a LIVING BEING and I do not have a contract, nor will I contract with either of you. Scott & Associates nor XXXX XXXX XXXX XXXX XXXX does not have any standing in this alleged matter. If this were my debt neither of you would have any personal knowledge of the alleged matter. You both are a 3rd party. Yet Scott & Associates as well as XXXX XXXX XXXX XXXX XXXX are making threats to me. Scott & Associates and XXXX XXXX XXXX XXXX XXXX have both violated my federally protected Consumer rights and administered my property without right. Scott & Associates and XXXX XXXX XXXX XXXX XXXX have also uttered forged documents against me and submitted these forged documents to a court to assist you in this fraud. I am sure the Judge should know the law and know that he or she can not enforce an invalid contract. That Judge sworn to an oath to support and defend The Constitution of the United States of America against all enemies, both foreign and domestic. Scott & Associates and XXXX XXXX XXXX XXXX XXXX have both committed this egregious act all under presumption. I have unalienable rights which Scott & Associates and XXXX XXXX XXXX XXXX XXXX are committing a crime against. I am not an ARTIFICIAL PERSON. NO CORPORATION can force me to be an ARTIFICIAL PERSON as that is illegal because it will be forcing me to contract with Scott & Associates as well as XXXX XXXX XXXX XXXX XXXX which constitutes forced indentured servitude ( Slavery )!!!!! I demand that Scott & Associates as well as XXXX XXXX XXXX XXXX XXXX drop this fraudulent threat against me because I have been dealing with Identity Theft and Fraud against my name for many years now. Which has caused me to copyright my name amongst other things I have done to protect myself from continued Identity Theft and Fraud. If this matter is not corrected, I will be forced to take legal action in Federal Court against Scott & Associates as well as XXXX XXXX XXXX XXXX XXXX for the following federal violations that I listed in my response back to XXXX XXXX XXXX XXXX which I have included with your response. Please Note : The contract that I was sent has an arbitration clause so why are you playing this out in court? This case needs to be dismissed and I would like to move to use Arbitration. I will inform the court of this fact. Please reply within 14 days. Failure to reply with substance will mean that this alleged debt against me has been dissolved. Warmly, XXXX XXXX XXXX, XXXX All Rights Reserved Without Prejudice XXXX
10/23/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 773XX	Web
On XX/XX/XXXX at XXXX, I received a citation and petition on my front door. The papers stated that I was being sued for a credit card debt of {$2400.00} by the alleged Plaintiff, XXXX XXXX XXXX ( XXXX ), XXXX for an account that is in claimed in default and for alleged actual damages, cost of court. The Petition states that the alleged Plaintiff 's Attorney is XXXX XXXX, who is representing the Plaintiff from XXXX and XXXX, XXXX. On XX/XX/XXXX at XXXX XXXX, I filed my Original Answer to the Justice of the Peace Precinct 3, Place 1 stating that I, the Defendant, 1. ) Deny the claim of the alleged Plaintiff stating that the Account stated is open due to the lack of and falsely otherwise documented information upon which to base a belief as to the truth of the allegation contained therein. 2. ) Deny the Plaintiff 's claim of the account stated is in default and that I, the Defendant, owe for actual damages, cost of court. I stated in my answer that Plaintiff 's complaint/claim fails to state and/or prove which relief can or should be granted for the accusation of claiming the amount owed of {$2400.00} contained therein. I also included five detailed Affirmative Defenses backing my Denials of the Plaintiff 's claims and Requested for Judgement on 6 requests. One of my requests written was that XXXX and XXXX, XXXX and XXXX XXXX XXXX provide supporting documentation that XXXX XXXX is still the original Creditor/Holder of the stated account and proof that XXXX and XXXX, XXXX is not a Debt Collector OR debt buyer attempting to collect on a debt ( which they admit to be on the citation ), to also provide proof of the claimed account being opened, proof of the original signed consent, as well as proof of me owing the claimed amount of {$2400.00} which they claim included default, interests, actual damages ( as claimed ) and claimed court costs. I included a Unsworn Declaration made under the Penalty of Perjury and Certificate of Service to the Plaintiff 's claimed Attorney and to XXXX XXXX XXXX ( XXXX ), XXXX. along with wet ink signatures and printed name and date on each page submitted. My original answer was filed with the court and a copy was sent to XXXX XXXX 's alleged attorney and also sent to XXXX XXXX, both via Certified Mail with return receipts. On XX/XX/XXXX at XXXX, I received in my mailbox from XXXX and XXXX, XXXX a bunch of COPIES of back dated 30-day billing cycle statements from XXXX XXXX XXXX XXXX which is NOT sufficient validation of the claimed debt and other documents I requested for production. Here is how the FAIR DEBT COLLECTION PRACTICES ACT has been violated by this company and how I have been majorly mislead : On XX/XX/XXXX, I spoke with two different debt buyers or debt buyer agent representatives for XXXX and XXXX, XXXX, and was told False and Misleading Representations and was victimized of Unfair Practices, which caused negative balance in my current, personal bank/checking account, forcing me to take out a payday loan to cover my overdraft. The debt buyer representing XXXX and XXXX, XXXX, mislead me by stating that they are a law firm representing XXXX XXXX XXXX and if I did not pay the amount of {$2600.00} owed, then more interest fees and/or charges could be added to the amount and that a judgement could be placed against me and that it could also be reported to my credit. At this time, in the moment, I was caught off guard, was driving in my car and got afraid in the moment, I was forced to an agreement that I did not agree to and defeated by forceful comments and misleading information and was not allowed time to understand my rights or request validation of this claimed debt owed or proof of this law firm and just thinking about what the debt buyers were saying and I, in the moment not knowing my rights at the time and feeling very intimidated, was thinking I didn't want the amount to increase and I have worked so hard to increase my credit scores I didn't want to take a chance of a judgement being placed against me, so I, without knowing all my rights and the status of the account at the time, agreed with the debt buyer to auto-draft payments from my checking account monthly until paid off. My initial forced agreement was with XXXX XXXX XXXX and then I was quickly forced to make a large payment of {$1000.00} on XX/XX/XXXX with XXXX XXXX, one of the debt buyer rep from XXXX and XXXX, XXXX and then a payment of {$500.00} was auto-drafted from my checking account on XX/XX/XXXX ( all in the meantime I'm studying the law and my rights ). Currently, XXXX and XXXX, XXXX is scheduling to auto-draft a payment of {$500.00} on XX/XX/XXXX and another payment of {$500.00} on XX/XX/XXXX. Due to the debt buyers scaring me and not knowing my rights at the time, I stupidly let them take advantage of me and had to end up taking out a payday loan just to get by, which obviously caused me more debt! On XX/XX/XXXX at XXXX, I called XXXX and XXXX, XXXX and spoke with XXXX , who states is a debt collector and that the info recorded could be used to obtain a debt, about requesting to cancel/void all my future forced auto-draft agreement plans/arrangements with XXXX and XXXX , effective XXXX XXXX and explained to him why verbally and that a written, certified validation letter was sent to the company for response. According to my credit report, XXXX XXXX XXXX reported to XXXX that the account was closed on XX/XX/XXXX and that the payment status was in collections/charge off and that dispute was resolved ; reported by grantor and also states that no payment history has been reported. It also shows that my times late are XX/XX/XXXX. XXXX XXXX does not even show on my XXXX report. On the Petition that was sent to me, it states that XXXX XXXX XXXX is the Plaintiff and original creditor, but, how can this be if XXXX XXXX no longer owns the account and if it was charged off? If I were to assume that XXXX XXXX XXXX directly hired XXXX and XXXX, XXXX, then I would assume that XXXX and XXXX, XXXX are actual lawyers only and not a debt collector or debt buyer attempting to collect, which, on every piece of document that was sent to me from XXXX and XXXX, XXXX they state on the very bottom of the document that they are law firm attempting to collect a debt. This brings me to believe that XXXX XXXX XXXX is knowingly committing fraud by not only attempting to collect on a defaulted account, but, by attempting to collect a debt by adding interests on a supposedly closed account and claiming they are the original owners of the account and that they hired this company out right in order to proceed with suing me over a claimed amount that they can't prove to be accurate. And then there is XXXX and XXXX, XXXX who states they are " handling '' the account for XXXX XXXX XXXX when they are actually collecting and auto-drafting my account as it reads on my bank statements that the auto-drafts are paid to XXXX and XXXX, XXXX. when it states on the petition that it is the Plaintiff, XXXX XXXX who is suing for the amount claimed. In addition, the amount they were suing me for is different than the amount that XXXX and XXXX debt collector originally stated that I owe via the first phone call I had with them regarding the auto-drafts. If the Plaintiff in the lawsuit is a third-party buyer or debt buyer and not the original creditor, then basically everything they say in court can be ruled hearsay, unless proven otherwise. Not to mention that it is Fraud. I am not working at this time due to being a full-time student. My husband is a XXXX XXXX, we have XXXX kids, pay our taxes and just try to live and get by from day to day. We are already under financial stress because we still haven't received our XXXX tax return that is owed to us and I have worked extremely hard over the past years to pay off my debt and increase my credit. And then to have a debt collector or buyer just swoop in and scare me before I knew of my rights and prey upon me through Fraud is just wrong in so many ways.
06/04/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 78703	Web
XX/XX/XXXX - I tried to use my debit card to make a purchase and my card was declined twice. I immediately went home and checked my bank account online, only to discover both my checking and savings accounts had XXXX balances. I called XXXX XXXX ( bank ) to find out what happened and they informed me that there was a 'hard-hold ' placed on my accounts. They gave me the phone numbers to the debt collector and XXXX legal dept. I tried to call the debt collector but their offices were already closed. This was a Friday so there was nothing I could do until Monday morning. XX/XX/XXXX - ( Monday ) Called debt collector, XXXX XXXX XXXX, XXXX, and talked to XXXX XXXX who was the debt collector assigned to my case. He informed me of the amount I owed for a XXXX Acct that was closed in XXXX and told me I owed {$6400.00}. I was caught off guard because I did not know about this acct. He told me I had been sent at least 10-12 notices, however, I have not seen any of them. He demanded that I send him this money and I told him I didn't have that kind of money. He asked me if there was anybody I could get the money from and I told him no. I said I'd have to call him back because I didn't know what I was going to do. After I hung up, I called my parents to ask for their advice. XX/XX/XXXX - ( Tuesday ) My mom met me at my home and we called XXXX XXXX back on speaker phone. We asked several questions. How many notices were sent? What addresses were they sent to? Could he provide proof that this is my credit card account and that he sent these notices? His responses were that he sent 10-12 notices over the past few years ; the addresses were all my addresses, however, I never received any of the notices ; and the time for proving this is long past due and that's when he started negotiating a settlement of 85 % of the total, or {$5400.00}. He told us we needed to send the funds immediately and MUST be wired and gave the wiring instructions. He emphasized several times while giving the wiring instructions that the funds MUST be wired asap. My mom told him that it would take some time to get these funds together and asked how much time we have. He never gave a date, but reiterated as soon as possible and again that the funds MUST be wired. He also emailed release forms for me to sign. He sent a Rule 11 Agreement, a letter on his firm letterhead outlining the payment of {$5400.00} that stated I had until XX/XX/XXXX to pay and a Post-Judgment Settlement Agreement that also stated that the payment had to be made by XX/XX/XXXX and that I could pay by personal check. This raised a big red flag because I did not know that there was a judgment against me as I have never been served or cited. XXXX XXXX never mentioned this in our conversation. XX/XX/XXXX ( Wednesday ) -My mom and I discussed that there just wasn't enough proof that this account was in fact mine. So we decided that we would gather information on our own since XXXX XXXX was so unwilling to provide us any proof of information. I called Representative XXXX XXXX 's office to ask for help. I spoke with one of the aids who informed me that XXXX XXXX was not my representative, but that XXXX XXXX. He also informed me that this sounded very suspect and told me " do not wire '' any funds to this debt collector. He also gave me the number for Consumer Financial Protection ( CFPB ) and the Federal Trade Commission ( FTC ). I then called CFPB and talked to XXXX?? ( I believe ) and told her my story and she also thought it sounded very suspect and that I did not have to send funds by wire to pay off a debt. She advised me not to send any funds until I could get legal representation or more proof. She also sent me a complaint packet, but I got access to a computer so I'm filling this out online. XX/XX/XXXX ( Thursday ) -I called XXXX XXXX to see if they could get a copy of the judgment against me. They advised me that I would have to go to a branch to get a copy, so I did that. Nine pages of the paperwork were directed to XXXX XXXX to garnish my account and the last page was a copy of the judgment against me. The judgment specifically states that " Defendant, although duly cited to appear and failed to file an answer as required by law. The Court, having considered the pleadings, official records, and evidence on file in this cause, is of the opinion that judgment should be rendered for Plaintiff. '' In my defense, I was never duly cited ; I did not know this judgment against me existed. Again, when XXXX XXXX was asked to furnish proof, he totally disregarded the question. Question, how is one duly cited? Is it by certified mail? Personal courier? XX/XX/XXXX ( Monday ) -I got a copy of my credit report and XXXX is not listed as an account that belongs to me, nor is there a judgment against me listed. XX/XX/XXXX ( Tuesday ) -I called to Representative XXXX XXXX ' office and they referred me to my State Representative, XXXX XXXX . I called Rep. XXXX 's office and spoke to XXXX XXXX, Director of Constituent Services and Policy Analysis. She asked me to email all judgments I had received from XXXX XXXX and XXXX XXXX, which I did. XX/XX/XXXX ( Wednesday ) -XXXX XXXX told me she contacted the county attorney 's office and their recommendations were that I hire an attorney to seek legal opinion. I returned a phone call from XXXX XXXX with XXXX XXXX XXXX. He inquired as to if I had wired the funds yet. I told him no, not yet, because we are still trying to come up with the money ; and according to the paperwork he sent me I have until XX/XX/XXXX and I can write a personal check. He became very irritated and short with me and stated " that's not what we agreed to ''. I told him that we did not agree to any date, only as soon as possible, but again, the paperwork sent to me states in writing that I have until the XXXX and I can send a personal check. He said he was sorry for the miscommunication, but that was not what we agreed to ( over the phone ) and that the funds needed to be sent by tomorrow. I naturally was upset so I called XXXX XXXX legal department again and talked to XXXX to see if there was anything they could do to help me. She then informed me that the hard hold on my funds was released that day. I went to the bank to withdraw my money, not to avoid paying a debt that I owe, but because I don't believe this is my debt. I have received no concrete proof from XXXX XXXX XXXX that this is, in fact, my debt. I only have my credit report and that does not show any XXXX debt or judgment against me. When I got to the bank, the funds had been released to XXXX XXXX 's attorney, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I returned another call to XXXX XXXX and left a message, but have not heard back from him.
07/24/2017	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	TX 77035	Web
A. Problem history synopsis : Medical ER visit in XX/XX/XXXX, got behind in payments. Final payment in XXXX which lasted until XXXX XXXX, then account charged off and went to collections for 30 days, then collection attorney. XXXX XXXX XXXX was told about medical hardship in XXXX before charge off several times as was the nonprofit and the attorney later. XXXX XXXX XXXX was asked to provide forbearance arrangements but none were offered or responded to. B. Dunning Letter issued in XXXX around 40 days after charge off. Call was attempted to dispute amount. C. Scott Associates filed a lawsuit filing in my County civil ( lower court ). XXXX XXXX XXXX, XXXX V. MY NAME D. I attempted to have account placed on Debt Management Plan DMP with XXXX XXXX XXXX XXXX I had an account with before. XXXX XXXX took my money, told me in writing that I could show the DMP to the judge to waive and dismiss the suit, and then sent the money with a proposal to Bank. The Bank kept the money and said " no '' to the proposal since it was " in legal. '' E. I have a phone call documented and recorded with XXXX XXXX XXXX in which customer service representative who may have told me it was an attempt to collect a debt nevertheless told me they did not " own it '' anymore, implying that they sold it to XXXX XXXX and or Scott & Associates. It turns out that the Bank still owns it and the collection attorney only represents them. F. Call # 1 to collection attorney phone call documented and recorded : Scott & Associates representative coercing payment and arrangement plans against a default judgement that did not exist. Extended payment plan offered where the " judgement '' would stay and not be removed. " No other options '' existed etc. The color of law used against me to extract payment and collect a debt. My due process rights were usurped and obfuscated. The color of the law of a default judgement was used against me in order to collect a debt. Because Scott & Associates obfuscated and clouded my rights as a consumer with a false statement about a judgement which did not exist I did not have any moment to present an attorney for them to speak to. This was especially apparent with second phone call. G. Second Call # 2 to collection attorney I asked again about an extended payment plan so I asked for a copy of that to review. They told me I had 30 days to get it back to them, however upon receiving the balance was incorrect and wrong. The paperwork had to be back in 10-14 days. The time passed due to the time that the proposal took to be mailed to me. So that passed due to fact I had a car accident. This customer service representative told me " to shred and or tear up any lawsuit notification service papers that I might receive. '' This constitutes advice by Scott & Associates such that they told me not to respond to a lawsuit they filed against me which would mean losing the lawsuit by default. Furthermore, because the first call ( point F above ) purported a default judgement against me, I was NOT able to seek advice of an attorney, thereby once again losing not only my consumer rights but my constitutional rights as an American citizen. H. Many faxes sent to Scott Collection attorney : ( 1 ) general dispute, ( 2 ) dispute of balance on " agreed judgement '' as well as deceptive timelines for due dates given by Call # 2 & paperwork, ( 3 ) dispute # 3 asking for information regarding all credit cards ' lines which were consolidated into the present & original origination details including state of origination and copy of original application, ( 4 ) simple letter asking for a new agreed judgement with correct balance to review for consideration. No disputes were responded or handled correctly. I received one call from XXXX XXXX of XXXX XXXX in North Carolina. It was not clear what his phone call was about. I have disputed both the original debt accuracy via fax directly to XXXX XXXX XXXX and Scott & Associates. They did not respond. I disputed the accuracy of both their original stated balance due as well as the balance listed on the agreed judgement papers since I have had made several payments since XX/XX/XXXX to XXXX XXXX XXXX. I. Improper ( potentially illegal ) servicing techniques and Talking to a 3rd party about my debt : Visit # 1 - XXXX dropped off a person to my wife 's brother in law. They told him they had papers from Bank. Brother-in-law asked to see them. Courier showed them to him the paperwork showing XXXX XXXX XXXX, XXXX vs MY NAME Visit # 2 - lady drove to my parents house. Video exists of visitor showing paperwork to my mother who can confirm that the Bank 's name and my name were on the papers such that XXXX XXXX XXXX XXXX vs. MY NAME. These visits to 3rd parties were made to look like they were trying to find me, but they were really pressuring and embarrassing me in order to retrieve signature to the agreed judgement as described above G. Please note : My mother had night terrors for 3 days after this visit. She is XXXX years old. J. No agreed judgement was signed nor agreed to because the balance was incorrect. Also, the first Scott & Associates employee who called me, XXXX XXXX, was documented on phone as saying there was a default judgement which would not be removed unless I paid in one payment, two payment or a four payment arrangement. This turned out to be false. The balance was never verified or corrected and I find this to be completely deceptive to me the consumer. K. Other Violations of Texas debt collection practices : 1. Texas Fair Debt Collection Practices Act part 392.202 violations occurred include parts ( A ) & ( B ) upon points 1, 2 & 3. 2. Requirement to provide address to send payment during phone calls attempting to collect on a debt in Texas : On no phone call by Scott & Associates or phones calls going back to XXXX with XXXX XXXX XXXX and or XXXX XXXX was an address provided for sending payment. This presented a highly ambiguous, deceptive, and confusing path of becoming compliant especially before and right after the charge-off period. L. Suit by Scott & Associates did not provide any customary 2 week notice and was done without properly notifying me.
12/26/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77498	Web
Dear XXXX and XXXX, XXXX XXXX XXXX, CFPB, This is in response to your letter dated XX/XX/2018 via the CFPB portal. XXXX and XXXX demands monies for an alleged debt for which no proof of said debt, nor proof of ownership of said debt, has been verified and exhibited. XXXX and XXXX provide no relationship to said creditor hence could be viewed as fraudulent practice. XXXX XXXX XXXX, the compliance attorney as shown on the letter from XXXX and XXXX explained they are not the owner of the said debt, but however failed to provide answers to my previous questions on fraud and the company violations. XXXX XXXX XXXX may be qualified to explain what XXXX and XXXX did or with respect to its own records or data created during its time, but he can not establish a foundation for the bank data XXXX XXXX XXXX has no personal knowledge, XXXX XXXX was not a custodian of the banks records while they were with XXXX XXXX, and the records in the XXXX and XXXX possession do not qualify as ordinary business records. Because the electronic file transferred to XXXX and XXXX did not come to XXXX XXXX XXXX as ordinary business records of XXXX XXXX, it can not be said that the data in this file became routine business records of XXXX and XXXX, maintained in the ordinary course of business. Therefore, the documents created by XXXX XXXX XXXX from XXXX and XXXX copy of the electronic file from the transferred accounts could not be said to be routine records maintained in the ordinary course of XXXX XXXX business. This means that XXXX XXXX XXXX affidavit is inadmissible and XXXX XXXX did not have a foundation to be a witness to identify the source documents, the monthly statements or the cardholder agreement. Furthermore, XXXX XXXX avers that he is a compliance attorney of XXXX and XXXX. This means he is not an employee of XXXX bank or previous collection agency that have collected money from XXXX XXXX, and therefore has no cognizable standing as either a custodian or qualified person to establish the nature of file data as a business entity, without first establishing an adequate foundation of the witness as a person with actual knowledge, and then establishing how he obtained any of the knowledge to which he testifies. Most disturbingly is the fact that XXXX XXXX XXXX intentionally failed to respond to my accusation of re-aging debt which has been reported. The Federal Trade Commission has stated that disclaiming the accuracy of information is common and recurrent ( FTC DEBT BUYER REPORT, supra note 2, at iii, 25 ). The Restatement ( Second ) of Torts describes a fraudulent misrepresentation as being when the maker does not have the confidence in the accuracy of his representation that he states or implies or knows that he does not have the basis for his representation that he states or implies. Without a copy of the underlying contract, XXXX XXXX has no objective way to assess the veracity of Plaintiffs claim. The FDCPA is a strict liability statute intended to be liberally construed to protect consumers ( XXXX v. XXXX. XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir XXXX ). XXXX is not an element of proving an FDCPA violation. Misleading or deceptive representations made as a result of carelessness or negligence are actionable under the FDCPA. All a court needs to find for an FDCPA violation is that the communications from the debtto the consumer would have been misleading to the least sophisticated consumer ( XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). XXXX XXXX your communication was clearly misleading as evidence from your first letter dated XX/XX/XXXX to your most recent letter dated XX/XX/XXXX. Your company alleged the account has not been reviewed and then on request for validation claimed it was reviewed. In XXXX and XXXX submitted documents and brief there are two contradictory Balances which XXXX XXXX XXXX claims XXXX XXXX owes, in Exhibit 1 for {$1600.00} and in Exhibit 2 for {$1500.00}, demonstrating thereby a lack of sufficient indicia of trustworthiness for accounting in this instance to be considered reliable ( XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). XXXX and XXXX alleges that XXXX XXXX retains XXXX and XXXX for the purpose of legal collections on the account on XX/XX/XXXX. Yet they wrote a letter 4 days after stating the it has not been personally reviewed. XXXX attached dated XX/XX/XXXX. Then XXXX and XXXX made it very clear that XXXX remains the owner and holder of the account. Which means XXXX and XXXX is a third party with lack of standing to sue. Since XXXX XXXX neither have a contract with XXXX and XXXX and neither have XXXX and XXXX disputed that fact, I will suggest that XXXX and XXXX identify and provide If XXXX XXXX card company had made an agreement with the XXXX and XXXX XXXX XXXX, then XXXX XXXX is not a party to those terms. Just because an assignment clause exists in a credit agreement does not mean that it is sufficient to create a new obligation with the XXXX and XXXX XXXX XXXX. The assignment clause merely takes away the rights of XXXX XXXX which is the original credit card company to collect if they decide to assign it to another company, in this case XXXX and XXXX XXXX XXXX. The collection company would then have to offer you a new contract, you would have to agree to its terms, and you would finally have to sign this new contract. If you have not signed a contract with the collection company, you owe them nothing. XXXX XXXX is not an assignee for the purported agreement, and XXXX XXXX representing XXXX and XXXX has not offered any evidence to the contrary. XXXX and XXXX has not produced any evidence that supports any related claims or assumptions. XXXX and XXXX for the collection company has failed to produce any document that shows they are assigned by XXXX cards or any original credit card company has named them as assignees, nor has he even shown that the original credit card company has any knowledge of his actions, or that the original credit card company has even given this collection company, all rights and control.
03/13/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	SC 293XX	Web
MICHAEL XXXX SCOTT, XXXX XXXX OF THE FIRM SCOTT & ASSOCIATES , PC, its counterparts and or subsidiaries, but not limited to, refused to provide FCRA verification that had been stated to provide in the form of 38 sent certified letters to compliantly provide.Instead, this was purposely ignored 39 times.They admitted ( as documented ) identity theft, yet refused to remedy my credit of their allegations. They know this is not my account, but continue to illegally report otherwise, reporting derogatory marks on an unverified account after saying theyd verified the account.Theyve not produced any evidence as listed here below to provide and Instead evading and making Harassing phone calls against regulations even after having received a Cease and desist. WHEN THEY DID NOT RECEIVE THEIR INTENDED RESULTS OF THEIR ALLEGATIONS, THEY THEN TOOK DRASTIC ILLEGAL MEASURES BY WAY OF COMMITTING THE FOLLOWING ACTS, BUT NOT LIMITED TO ( AS DOCUMENTED ) ; -IMPERSONATING AN OFFICER OF THE LAW -DISCUSSING AN ALLEGED DEBT WITH PERSONS OTHER THAN THE ACCUSED. -FILING A LAWSUIT WITHOUT HAVING SPOKEN TO THE ACCUSED. -MAKING HARASSING CALLS AND WRITING HARASSING LETTERS TO MANIPULATE. -FILING A LAWSUIT AGAINST THE ACCUSED IN HOPES OF ACCUSED NOT RECEIVING INFORMATION TO BE ABLE TO ANSWER TO AND THEREFORE CAUSING A DEFAULT BY WAY OF NON RESPONSE. -MICHAEL XXXX SCOTT AND SCOTT & ASSOCIATES LP REFUSING SERVICE -XXXX XXXX REFUSING SERVICE -ATTEMPTS TO EXTORT -ATTEMPTS TO COMMIT FRAUD RICO CONSPIRACY Upon researching they have a steady history of class action lawsuits both past and present for their illegal tactics through themselves their counterparts and or subsidiaries, as is seen their many outstanding lawsuits.They continue believing themselves to be above the law not to be punished for their illegal heinous willful negligent and purposeful crimes of retaliation and negligence. They have continued harassing calls despite my documented complaints and have further refused to provide lawful necessary stated compliant responses for verification. THEY FRAUDULENTLY CONTINUE TO REFUSE TO REMEDY AND SEEK ANY MEANS POSSIBLE NOT TO PROVIDE ME WITH FCRA REGULATIONS STATED VERIFICATION. They refused to provide any of their verifications here which I requested numerous times to provide for the exact following information with a declaration sworn under penalty of perjury under oath. : Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. *A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable.I am requesting a re-investigation along with your method of verification. The item ( s ) in question are inaccurate representing a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA.If not, I expect this item will be removed from my credit files immediately. NON OF THIS VERIFICATION WAS PROVIDED AS STATED BY FCRA RULES AND REGULATIONS NECESSARY FOR COMPLIANCE.AS SUCH COMPLAINTS CONTINUE TO BE FILED AND FURTHER ACTION IS PENDING UPON THE RECEIVED COMPLIANT RESPONSES AS STATED. IT IS A FEDERAL CRIME TO ILLEGALLY REPORT UNVERIFIED INACCURACIES UPON A CREDIT REPORT ALONG WITH DEROGATORY TRADE LINE MARKS AND COMMENTS ALBEIT DOCUMENTED ADMITTANCE OF IDENTITY THEFT AS STATED BY THEM. PLEASE REMOVE ANY AND ALL INACCURACIES UPON MY CREDIT REPORT IMMEDIATELY.THIS INCLUDES BUT IS NOT LIMITED TOO : INACCURATE CREDIT REPORTING : INACCURATE DEROGATORY MARKS ; INACCURATE STATEMENTS UPON CREDI ; INACCURATE REPORTING OF THE ABOVE TO 3 CRED AGENCIES.I KNOW OF NOTHING THAT SUPPORTS THEIR CLAIMED ALLEGATIONS.THE UNVERIFIED ALLEGATIONS THEY CONTEND ARE NOT MINE.FURTHER THEY DISMISSED THEIR LAWSUIT UPON RECEIVING MY ANSWER TO THEIR ILLEGALLY FILED LAWSUIT, SINCE THEY FAILED TO PROVIDE FCRA COMPLIANT VERIFICATION. REMOVAL OF ALL ILLEGALLY INACCURATELY REPORTED CREDIT REPORTING WHICH INCLUDES BUT IS NOT LIMITED TOO : REMOVAL OF INACCURATE DEROGATORY MARKS ; REMOVAL OF INACCURATE CREDIT REPORTING ( REPLACED WITH ACCURATE CREDIT REPORTING ) ; REMOVAL OF ANY AND ALL INACCURATELY REPORTED DEROGATORY STATEMENTS REGARDING MY CREDIT TO ANY AND ALL REPORTS WRITTEN UPON OR STATED IMMEDIATELY.
02/10/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	SC 295XX	Web
The following is taken from a letter I wrote to the court and copied in Scott & Associates before the case was dismissed. I never received a response regarding the letter from Scott and Associates. ( I attached the letter also ). At first I never received any phone call or anything from Scott & Associates because some how they put my information into their system incorrectly - which was confirmed by one of their representatives ( THEY ADMITTED FAULT ). I would like to point out that once they updated their files, I have always either answered their calls or returned them the same day, only to be transferred around person, to person one after another with none of them knowing the current status of the account I was trying to work with them to settle. Even though the length of time was their fault, they refuse to budge on the amount due. They claimed the length of time trying to collect was the factor ( which was their fault ). Not wanting to waste the courts time and taxpayer money and being that I have no assets, I do not want them to waste their time trying to collect on the judgement they will receive, I agreed to pay the {$3800.00} ( in installments ) which, according to a Mr. XXXX at Scott & Associates, will save me on court costs and legal fees. Following that conversation, I received an email from a XXXX. The email had an attachment which outlined eight stipulations as part of a Payment Agreement. I wrote back to XXXX telling her that I do not agree with point # 8. Over the next month or so, I received multiple automated calls from Scott & Associates asking me to call them, which I did. And EACH time the representative asked me about the status of the payment as part of the agreement ( which, mind you, they never received the paperwork back for and out of ALL of those calls, not one single person asked me about the status of the paperwork until I brought it up. I found that to be rather odd ). I emailed XXXX again and no response ( but no surprise either ). So, I emailed her again and attached the paperwork with section 8 crossed out and initialed ( I also modified the installment payment amount because in the meantime I worked out payment issues with other creditors ). After getting no response I did a follow up email. Finally, I got an automated response saying that someone from the organization would contact me in two business days. Well, those two days came and went so I emailed XXXX yet again. Then I received another automated message and I called them back and once again the representative was looking for payment and had no clue about the paperwork until I asked him. He transferred me to Mr. XXXX ( who already knew I was on the phone as he was messaging the representative while I was on the call ). Here 's my complaint : On XX/XX/XXXX, Mr. XXXX asked about the payment and I told him I thought they were contacting me about the paperwork. He then starts telling me how they only have the signature page of the paperwork. For reasons unknown, he did not know that XXXX was emailed the entire document on Monday and was he looking at the initial paperwork or something different. Once again, no one there has any clue what is going on. Yet they continue to constantly call me. I told Mr. XXXX that I did not agree with point # 8. He said that the document titled Payment Agreement ( enclosed ) is a legal document and he was absolutely, adamant that it could not be changed. This went out for several minutes before Mr. XXXX said something to the effect of, look, if you want to talk about the lawsuit then go ahead, thats your choice. Its no big deal. ( section # 8 says that I can not do that ). I reminded him that he just got done telling me over and over and over that it is a LEGAL document. I also told him if it is no big deal then remove the verbiage. He said he can not under any circumstances and that they have never had someone dispute bullet-point 8. This is what I have been dealing with. I would also like to add that each time I speak with Scott & Associates, they ask me if it is ok to contact me at XXXX ( which is my cell phone ), and if it is ok to leave a message. I always tell them yes. But for some reason, on XX/XX/XXXX, they decided to call my employer and they left a message there for me. This is something I never gave them permission to do. The matter has been resolved out of court but I feel like someone should know about the shady practices happening at Scott & Associates. Telling someone to sign a LEGAL document then to advise them to go against that document seems like it should illegal. Those calls are supposedly taped for " quality '' - I would certainly like a government official to hear that tape.
03/07/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 75254	Web
The Original Debt belongs to XXXX out of Delaware. Back in late part of XX/XX/XXXX i had called them due to I had insurance that would cover if I ever became unemployed or had to go on a mediacal leave and couldn't afford the payments. I had contacted XXXX and they had informed to me that I would have to let my card be in default of 2 months or over to be eligible for their hardship program. So, I contacted them in XX/XX/XXXX and was told that I now qualify to be apart of the program and had to pay {$41.00} per month to get started in the program and would have to do so for 6 months without defaulting and that while on the program that my card would be on hold. Once the six months was up of XX/XX/XXXX the card would become back active and the {$240.00} would come off the balance which should have been around XXXX. Keep in mind I never defaulted during the 6 months hardship program.When completed they had closed my account and didn't send me anything stating that my account was closed or what my new balance was or what would be the next steps. Finally I contacted them to see why my payments was going up on a closed account and the calls where always going to a call center in the XXXX. They informed to me that it was due to interest and late fees, but I informed to them that during the program that I was informed that there where no, late fees and interest. Also that if my account is closed and that I dont have access to it why was there nothing sent to me informing me of this matter.I called the number on the back of my XXXX card after getting my credit report and having a credit repair company help me. After making several attempts to XXXX and finally getting a live rep in the XXXX.Comes to find out that on XX/XX/XXXX my account was closed and charged off in the amount of {$1600.00} and it was given over to a Debt colllection company out of Florida by the name of XXXX, when I contacted them they informed to me that they no longer had the account and handed it over to a law firm By the name of Scott and Associates P.C. XXXX never still sent me anything informing to me that they had sent or either sold off my info to either one of these companies. How I found out about Scott and Associates, they had sent something to a court back on XX/XX/XXXX and had it filed on XX/XX/XXXX stating that they where sueing me for XXXX Delaware in the amount of {$2000.00}. So when I contacted them in regards to this matter around XX/XX/XXXX, one of Scotts and Associates workers informed to me that i would have to pay XXXX a month for 35 months directly to them and if i missed one payment that they will file again take me to court and then from there they would seize anything that i have worth value, freeze/garnish if any bank accounts and paychecks, and this would show up as a judgement on my credit. When I told her that I dont have a job at the moment, she then stated well we can't do the payment arrangement and will have to take it to court. I then stated I didn't feel that it was right for them to deny this if a person doesn't have a job. So, she then stated that she will send me the paper work to sign for the arrangement and that she needed it back asap.It then showed settlement agreement in the amount of {$2100.00}. Which I did not agree to pay .I called XXXX back in regards to this matter and was asked what is that I want to to do by one of their Supervisors in XX/XX/XXXX. Do you to make a payment with us ( XXXX ) and I was like yes, if I can, but then she stated well we don't have the account anymore and you will have to contact whomever they are telling you to contact.I asked her why is it that XXXX never tried to contact me or send me any notifications that they had sold off my information or account, not one, but to two debt collection agencies. She really didn't give a response and then started to get unprofessional with me. This is the true reason that I am filing a complaint. Due to what it shows on my credit report as of XX/XX/XXXX, and the different amounts, the charge off dates, and the fact Im being sued without giving the proper notice or a proper and cordial way to solve it with XXXX XXXX, not XXXX, or Scotts and Asociates Debt Collector Law Firm.
12/05/2018	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	TX 77498	Web
I received a letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX. The letter was in demand for an unverified debt with a subtle disclaimer that states : no attorney with this firm has personally reviewed the particular circumstance of your account or made a determination as to the legal action at this time. According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), all debt collection agency are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts they post on a credit. Debt collectors are supposed to provide an original documentation ( a consumer contract with the signature on it ). XXXX XXXX XXXX responded to my letter of verification with a fraudulent printed bill without my signature or a contract. The letter produced by XXXX XXXX XXXX was dated XX/XX/2018. In the letter they stated they have verified the above-referenced debt. Then XXXX XXXX XXXX stated a false non- existing communication that was intelligently crafted as : that the amount set forth in our previous communication reflects the balance of the obligation after all payments, credits, and offset have been applied. The question that was asked is : what was the previous communication? XXXX XXXX hereby clearly state that there was never a previous communication other than what was drafted above. XXXX XXXX XXXX is hereby in violation of the FDCPA section 806 which clearly states that collection agency can not use any kind of harassment or abuse. By falsely lying in a letter about a previous communication constitute emotional harassement to me, because it humiliates me and caused me emotional trauma which I would seek legal damages, I hereby state that XXXX XXXX XXXX are in violation with of FDCPA Section 806 with a fine of {$1000.00}. Again, on further examination of the bill sent by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX claimed they represent XXXX XXXX XXXX. They claim XXXX XXXX XXXX is the owner and holder of the account. Here, XXXX XXXX state that XXXX XXXX XXXX has not produced any contract between XXXX XXXX XXXX and XXXX XXXX naming XXXX XXXX XXXX as a party to such contract. XXXX XXXX repudiates any claim to such a contract existing. As there was no meeting of the minds, a necessary element of a valid contract, no contract exists. XXXX XXXX XXXX is not an assignee for the purported agreement, and XXXX XXXX XXXX has not produced any evidence that supports any related claims or assumptions. I hereby request such contract that name XXXX XXXX XXXX, XXXX. The reviewer for XXXX XXXX XXXX which is a debt collection company has failed to produce any document that shows that the original credit card company has named him ( XXXX XXXX XXXX ), or his collection company, as assignees, nor has XXXX XXXX XXXX even shown that the original credit card company has any knowledge of his actions, or that the original credit card company has even given XXXX XXXX XXXX, or collection company, all rights and control. Most importantly, XXXX XXXX XXXX need to produce how they conform to FCRA Section 605 ( c ), which states that collection agencies can not re-age an account by reporting date of last activity instead of first delinquency. XXXX XXXX XXXX need to provide XXXX XXXX the following answers. First, the itemized bill produced has no activity for the years produced. Explain why there was no activity and nothing was bought or used. Second, XXXX XXXX XXXX should provide how they got a hold of the account and my name which was over 10years old and how they re-aged it to make it look like XX/XX/2018. Third, XXXX XXXX XXXX should explain the transition method about the account that because it was with XXXX XXXX XXXX, then it was taken to XXXX XXXX XXXX XXXX XXXX and now XXXX XXXX XXXX. They all claimed to be representing XXXX XXXX XXXX with the non-existing account. Please explain how you got hold of my name in the account. Finally, XXXX XXXX XXXX need to produce all the documents requested and compensate XXXX XXXX with the amount of {$2500.00} for false claim and emotional harassment resulting from it. Required evidence will be provided based on request. XXXX, XXXX
03/23/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX XXXXX	Web	Older American
Scott & Associates, P.C. a credit card debt collection agency representing XXXX XXXX XXXXXXXX XXXX not only threatened to sue me, but they actually did sue me and get a judgement against me signed by a Justice of the Peace in the small town in which I live. I told them their action was in direct violation of the laws of the land set forth by the Federal Trade Commission regarding debt collection against harrassment. I explained when they issued the card having XXXX $ on it I was going through a divorce and that after the divorce, my income had been drastically reduced, now an elderly fixed income, and I could no longer afford to pay this. That I was in poor health, with no vehicle and live mostly on social security which is taken up with a mortgage payment. They got a default judgement against me for not showing up when I was supposed to. There were many Cause Numbers and Affadavits which I will attempt to list, and last summer XXXX a man appeared at my door demanding payment. Nos. XXXX, by XXXX XXXX XXXX XXXX XXXX all papers mostly dated XX/XX/XXXX, XXXX, a Military Affadavit, Status Report pursuant to Servicemembers Civil Relief Act, and I was not in the military. I told them my XXXX XXXX credit report law firm I pay XXXX/month had sent them a letter saying take the debt off her credit report, she no longer owes it and they replied today XX/XX/XXXX they would need a Power of Attorney from XXXX XXXX before they would do business. By the way, XXXX XXXX has identity theft and illegal reporting found on my credit report and has successfully removed nine things. I was told to ignore these people and they would go away eventually and that I now owed nothing due to change of circumstance and income. I am being continually harrassed and the other four creditors I owed as a result of the divorce are being good and compliant because they know they are within the law for being so. I called Judge XXXX XXXX and spoke with him about the judgement and that they were not supposed to do that. He is a very nice man. I can't help but feel XXXX XXXX XXXX has something personal against me for some reason, but I don't know why because I banked there for 25 years with one insufficient fund in those many years. The information on Scott & Associates, P.C. in 10 states is helpdesk @ spalaw ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. Their attorney 's email address is XXXX. Three months ago in XXXX they notified me they understood my situation and one could not squeeze blood out of a turnip and they were dropping the case. Then they slipped in a judgement against me behind my back and no telling how much XXXX XXXXXXXX was out on the XXXX $ in legal fees and appearances and travel for XXXX hours from XXXX, Texas to my county seat. I have received letters saying to do something quick. The point is, their actions are ILLEGAL by definition of the FEDERAL TRADE COMMISSION of the United States of America 's debt collection laws and when I call them they say, this is a recorded line and is an attempt to collect a debt. I recommend to anyone reading this to beware of XXXX XXXX XXXX, XXXX, as their attorneys are uninformed regarding the laws of the United States government on Fair Credit Reporting Act and debt collection. I am an old woman with the best memory possible for my age, but I am being targetted and mistreated. I do not live in fear because I feel protected by my government, and this problem needs to be exponged from public records. I also feel the Scott attorneys are ignoring XXXX XXXX letters on my account. I plan to wait the 15 days asked for by the CFPB and then I will work on my complaint to the Attorney General of the United States against XXXX XXXX XXXXXXXX and the business practices when I banked there for 25 years. I encourage anyone with problems such as this to go the Attorney General 's website and file a complaint against their financial institution. That is how indictments are given to banks for unfair business practices. I want the CFPB to publish this drescription on consumerfinance.gov so that others can learn from my experience. I consent to publication.
01/27/2016	Yes	Credit card	Customer service / Customer relations	TX 75013	Web
Due to divorce and child support, I fell behind on payment to Bank XXXX XXXX XXXX XXXX. I moved out XXXX to dramatically reduce my cost of living. I agreed to resume payments to Bank XXXX XXXX card services and began making payments under a Repayment Plan. Even though I was paying, they referred to a collection attorney who filed suit XXXX even though I made payments per the repayment plan. They successfully got a judgment because I was traveling for work and unable to appear. I agreed to a stipulation and began ACH payments at the same amount as the repayment plan. The plan was fixed and no additional interest would be charged. I never missed XXXX and paid down the debt by over {$4000.00}. I moved XXXX for a better job and increased income. Unbeknownst to me, XXXX XXXX XXXX fired the original law firm so my ACH payments stopped. I did not realize right away because I had a dedicated account just for this payment. No notice was provided. After several months I realized they stopped drafting payments, I called the original collection attorney. They could not help me. After 30+ days, I found out they lost the XXXX XXXX XXXX account and it was transferred to another law firm. I called the new attorney, after two weeks of research they said the case was closed by the client. I tried calling XXXX XXXX XXXX, was transferred to a outside vendor for XXXX XXXX XXXX, XXXX XXXX. They could not help me. I received a notice in the mail from XXXX, XXXX XXXX XXXXXXXX that they recorded a Domestication of Foreign judgment in XXXX XXXX. No one ever notified me. The person I originally dealt with, a male ... XXXX or something like that, yelled at me, threatened to attach my wages and bank accounts, that I needed to stop being a scumbag and pay up. He said that the Domestication of Foreign Judgment does not require I be notified. I told him I was able to get the money to pay in full but I needed written confirmation of the debt amount and that the judgments XXXX would be removed. After months and months of arguing with him, he demanded $ XXXX. The original debt was just shy of $ XXXX and the stipulated judgment XXXX said no additional interest or fees. XXXX said I needed to pay the court costs XXXX plus penalty interest. I argued again and supplied documentation that I owed {$10000.00}. He said he would have to contact the client. This went on for months. I finally spoke with a woman and paralegal, again I am not sure of her name, but she was better. After a few weeks she confirmed that I owed {$10000.00}, which included a little over {$300.00} in court costs. It took a couple of weeks to get the settlement terms squared away - XXXX, XXXX XXXX XXXX, XXXX would accept the full payment to satisfy the debt, they would file the necessary paperwork with the courts XXXX to remove the judgments and notify their client of full payment. I assumed this was done. I received an acknowledgment letter on XXXX XXXX, XXXX from the law firm that they received an accepted my payment. The attorney failed to perform recording the requisite satisfaction of judgments. Trying to buy a new home, this came up and looked like it would disqualify me. I called XXXX XXXX XXXX and tracked someone down. I had to fax a letter to XXXX XXXX, which in turn got someone from XXXX XXXX XXXX to call me. They agreed to have the law firm record the judgments and fix my credit rating pursuant to their letter dated XXXX XXXX, XXXX. Again, they failed to perform. As of today, my credit is not fixed and XXXX judgments remain recorded and in full force. I received a letter to appear in XXXX XXXX XXXX XXXX XXXX before XXXX/XXXX/XXXX. I spoke with XXXX XXXX XXXX yesterday XXXX and was told it 's with legal. I have to take time off work to go to court for their error.This is extraordinarily punitive when I performed as agreed.
09/25/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75126	Web
On XX/XX/2023 I received a letter from XXXX XXXX XXXX with reference no. XXXX. With a debt amount of {$2400.00} allegedly claimed to be owed to XXXX XXXX XXXX XXXX, XXXX which claim to be collecting a debt for a creditor called XXXX XXXX XXXX XXXX XXXX with account number XXXX in who I have no account of dealing with. I deny every allegation of Debt Collectors original debt claims and demands strict proof thereof by a preponderance of the evidence as required by the Texas Rules of Civil Procedure. Furthermore, I denies the debt collectors allegation and request that all conditions precedent and all documents are validated and presented as I have requested ; Therefore, Above debt collector should be denied recovery and the claim voided, furthermore until the conditions precedent below have provided to me in its entirety. II. AFFIRMATIVE DEFENSES By way of further Validation, in the alternative if such be necessary, and without waiving any of the foregoing, I XXXX XXXX XXXX, XXXX asserts the following affirmative defenses : 1. Illegality in contract law 2. Debtor is not liable to Debt Collector for the debt claimed because Debtor is entitled to an offset. 3. the contract is illegal, and therefore, unenforceable. I am not requesting a response from your firm with just a few copies of the last billing statements that will not add up to the Balance amount owed and copy of contract agreement with no signatures written or digital indicated on contract agreement, and a copy of some bank Notification of Assignment, Sale or transfer of Credit Card Account that is deemed to be fraudulent. GENERAL DENIAL Pursuant to Tex. R. Civ. P. 92, and without waiving any other defenses. In pursuant to Fair Debt Collection Practices Act 809.Validation of debts. I am not asking your firm to provide my first and last name, mailing address and last four digits of my social security number or unresourceful amount of monthly billing statements but I am asking you to provide me with the following financial information and documents : Name and address of the original creditor Proof of the amount owed. If the account is a charged-off provide proof of the amount charged off. Proof that your company paid the amount sum of the charge off to be collected on. Proof of the opening and closing date of credit card agreement with original creditor. Proof that you own this account and have legal obligations to collect for this account. XXXX bill of sales transfer documents. Proof that XXXX Oaks XXXX, XXXX is licenses business in the state of Texas. Proof of all financial statements or records beginning with the opening and closing date, which must include every purchase made by the debtor in any amount including interest, fees, late charges and purchases or expenses relevant to the principal obligation claimed owed by original creditor. Every amount must be proven without a doubt the debtor expressly authorized the transaction permitted by the law. Provide proof of documentation and all financial monthly statements that prove the balance is accurate and display how the balance was calculated to get to the amount claimed owed. Provide proof of documentation that includes all monthly statements of the balance decreasing and increasing due to fees and applied payments that were made to the original creditor during the duration of the alleged contract agreement that will detail how the principal obligation arrived at the amount claimed owed. Itemization of all payments applied during the duration of the contract agreement with original Creditor. I have been a victim of Identity thief and credit card XXXX I have my right to question any and all non agreements and causes that are found in my name without my approval.
02/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75126	Web
I received a USP Mail from Scott & Associates Via-Mail on XX/XX/2023 and was told that I owed XXXX XXXX XXXX a Debt that was owed to Original Creditor XXXX. NOW COMES Defendant, XXXX XXXX XXXX, named Debtor in the above-entitled and Account Number, files this Debt Validation Request for Complete Validation of said debt. I. GENERAL DENIAL Pursuant to Tex. R. Civ. P. 92, and without waiving any other defenses, Defendant denies. each and every allegation of Debt Collectors original debt claims, and demands strict proof thereof by a preponderance of the evidence as required by the Texas Rules of Civil Procedure. Furthermore, I denies the debt collectors allegation and request that all conditions precedent and all documents are validated and presented as I have requested ; Therefore Above debt collector should be denied recovery and the claim voided, furthermore until the conditions precedent below have provided to me in its entirety. II. AFFIRMATIVE DEFENSES By way of further Validation, in the alternative if such be necessary, and without waiving any of the foregoing, I XXXX XXXX XXXX, XXXX asserts the following affirmative defenses : 1. Illegality in contract law 2. Debtor is not liable to Debt Collector for the debt claimed because Debtor is entitled to an offset. 3. contract is illegal, and therefore, unenforceable 4. Duress in Contract I not asking just for the last billing statements documents, last for digits of SSN or typed page of transfer of a Notification of Assignment, Sale Transfer of Credit Card Account Information. I therefore I demand that the debt collector provide me with the following Documents below for complete validation of the said debt : 1. Provide Name and address of original creditor along with verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. Please provide a copy of the written agreement that created my original requirement to pay. 2. A copy of the all-billing statements sent to me by the original creditor since the beginning of the credit card contract agreement. 3. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing all the dates and amount of each charge added up to the total amount that created the full balance amount claimed due. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 4. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 5. Identify the date of the first and last payment made on this account. 6. Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entirety. 7. Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off. Please provide proof that you have not purchased the alleged debt at lower cost and personally seek to make a profit off knowingly bad debt purchased from XXXX, XXXX by your firm.
09/06/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75056	Web
Hello, I have a debt collection under my credit report reporting by XXXX XXXX ( account no. XXXX and XXXX XXXX XXXX firm No. XXXX ). This use to be a XXXX XXXX card. A month after I received my credit card, I lost my card or misplaced it. A charge in the amount of XXXX or more I think was done and soon after I contacted the credit card company. They took notes and stated they would contact me soon after. I never received a call. Time after time I write to XXXX XXXX as well as XXXX XXXX and they continue to report on my credit report. Currently, my credit report shows " XXXX XXXX ; Account information disputed by consumer ; and yet again Consumer disputed this information ''. It clearly communicates in my credit report that I am disputing and have been disputing this debt. I did not make the charges on my card, ever, and yet it continues to be charged. I have not received any letters from the Creditor providing my signature on documents etc of where I charged this debt. Now, the account is being collected by a law firm by the name of " XXXX XXXX XXXX '' out of XXXX, TX. I called XXXX XXXX today on XX/XX/18 to advise once again of my dispute on the account and I was told that the debt was now being collected by XXXX XXXX XXXX at XXXX. I contacted the firm and spoke with a supervisor by the name of XXXX XXXX. I address with Mrs. XXXX my issue with the debt being charged on my credit card and me not being the responsible party of this debt. I stated that for years now, I have been contacting the bank ( XXXX XXXX and XXXX XXXX ) and she mentioned that my account did NOT come over with any notes and they were collecting this debt. I stated, how can you collect on this debt, yet not have any documentation as to the times I have called. I stated, why does my credit report clearly state that " Consumer is disputing this debt '' and yet she has not documentation. I stated why are you collecting on an account that you do not have any information on. She stated that the account did not come over with this and that they would reach out to XXXX XXXX for this information. That was really upsetting knowing that they don't even have documentation on this, only terms and conditions, no signature, no original signature as I requested for the charges. I stated I did not make these charges on this account and I am not responsible for this debt. I was then told that I would have to YET AGAIN write another letter, now the firm of XXXX XXXX XXXX and let them know that I am not responsible for this debt. I stated to her that per the Fair Debt Collection Practice Act I was to be informed of my debt, along with the charges, and the disputes made. She told me that she did not have that information and I would have to write another letter. It is unfair practice that this firm is attempting to collect a debt that is not mine. I am asking that this XXXX XXXX and the firm of XXXX XXXX XXXX be reported for falsely trying to collect on a debt. The firm does not even have my documentation, notes, phone calls etc that I have made to the debt collectors. They told me to write a letter to them, they have just started working this account since XX/XX/2018. I ask that you please assist me. This firm is trying to collect on a debt they can not prove that this was my charges and further more have any documentation whatsoever as to all my calls to XXXX XXXX and XXXX XXXX.
03/10/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 756XX	Web
On XX/XX/2020, I called XXXX XXXX XXXX to ask for a hardship arrangement on my past due account, as I have numerous times and have been turned down. All phone calls on my telephone are recorded. This most recent call was immediately transferred to a Scott and Associates Law Firm/Debt Collection Agency. I explained to a lady that I was recording the telephone call after she expressed to me that there was legal action pending. I then explained that I would require proof of the total amount owed and that I would make payments as long as nothing would be pursued or atttempted to be placed upon my record. She explained that I may receive a court summons, but to simply ignore it as long as I signed the paperwork she was going to send me in an email. ( I am consulting a lawyer about the legality of that statement ) I made it clear that as a XXXX XXXX, I could not have anything placed upon my record and she assured me that as long as I made my payments and signed the paperwork, that all would be well. This is all on a recorded call that I can provide to the CFPB, court of law, and the Texas Attorney General. The paperwork came later that day. It was basically a judgement against me that was waiting on my signature. I can also furnish this to the CFPB, if needed. It was stated that no judgements would be pursued if I signed the paperwork and the paperwork was essentially an agreement to a judgement. Scott and Associates is in violation of numerous FCRA, FDCPA, and Texas Finance Code consumer protection laws and debt collection regulations. Futhermore, the FDCPA requires that within 5 days of initial communication from a debt collector, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. This has not occurred. My first contact with this company was a telephone call on XX/XX/2020, to which they informed me that they had filed a lawsuit against me. This was the first time I had any knowledge that my past due XXXX XXXX card was placed with another agency. My final XXXX XXXX balance before the charge off was XXXX. Scott and Associates is showing two different amounts due, depending on the paperwork they assemble. The first amount due, ( according to this agency is XXXX and the other is XXXX ). I requested debt validation by email and an amicable payment-plan oriented resolution and they simply mailed me credit card statements. They did not mail me the required legal notice that states my right to dispute the validity of the debt within 30 days, a signed credit agreement, documentation of the chain of custody of all paperwork, proof that the paperwork is accurate and from the original creditor, and proof of the legal authority to collect the debt, ( how do I know the creditor actually hired this company to collect the debt on their behalf? What if I was to pay the this company, only to have the creditor or another collector come after me because the collector I paid was never hired in the first place? ) There are numerous violations of various debt collections acts that have occurred here. I will also be filing a complaint with the Texas Attorney General due to violations of the Texas Deceptive Trade Practices/Consumer Protection Act and also the XXXX XXXX XXXX
12/23/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	TX 78249	Web	Servicemember
A representative from XXXX XXXX and XXXX has been harassing me about a debt that does not belong to me which I stated numerous times during the phone call. I told the rude and unprofessional representative on the phone that I had no debt and the debt was vacated/dismissed/deleted by the judge/court due to illegal tactics and failure to follow proper federal consumer debt collecting regulations. There is no record of such debt or judgment against me because the judge/court deemed that the debt was too old and had reached beyond the statute of limitations, and also the collection agency failed to notify me of a court hearing or that I was being sued. I had absolutely no knowledge to appear in court, and the collection agency constantly tried intimidation tactics, threatening phone calls, threats of going after my home, bank accounts, etc. All without any substantiation. On XXXX XXXX, XXXX at XXXX XXXX. XXXX, during my work hours, XXXX of the representatives from a notorious debt collection law firm phoned me and proceeded in a very threatening and intimidating manner to harass me for personal information and conducted business in an unsavory manner. When I continued to tell this person that I did not have any debt, she constantly spoke over me while I was explaining ; did not want to hear what I had to say ; dismissed me by pretty much calling me a liar and not believing me ; told me to prove it. Then, she told me I would see how it feels once I receive the letter they mailed me, which I have yet to receive. I felt very victimized by this company ; threatened ; and the need to call the authorities on them and report their criminalistics business practices. The debt she was trying to intimidate me into admitting to was dated back in XXXX, and as stated previously, this debt has been vacated/dismissed by the judge/court due to irregularities on the part of the debt collection agency and failure to notify me of a court appearance, which resulted in a judgment against me and which was eventually thrown out by the judge/court. This debt has been disputed with the credit reporting bureaus which resulted in them conducting an investigation into the debt, and final result of the debt being dismissed/cancelled/vacated by all credit reporting bureaus as well as the judge/court. However, trying to explain this to XXXX XXXX and XXXX fell on deaf ears and all they are trying to do is conjure up false information ; trying to collect on a nonexistent debt ; and drag me to court for a judgment against me which is the tactic they are utilizing on other consumers as well. This company needs to be held accountable for their business practices and unlawful behavior. It is not fair for them to be allowed to constantly harass, threaten and intimidate consumers just because they think can. This company needs to be stopped dead in their tracks. Not only is this unethical business practices but also goes against all federal consumer debt collection regulations. Their address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. Phone number is : XXXX. I will also be filing a complaint against this company with my XXXX XXXX XXXX as well as with my XXXX XXXX. Please provide assistance and help me. Please investigate this company and their business practices. Thank you for your time.
08/31/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	VA 223XX	Web
On XXXX/XXXX/2016, I received a letter dated XXXX/XXXX/2016 from Scott & Associates, P.C. identifying themselves as a debt collector seeking to collect the above referenced amount from the original creditor identified as XXXX XXXX XXXX, XXXX. I responded to this letter with correspondence dated XXXX/XXXX/2016 that specifically requested the following ; Proof of licensure to collect in my state Proof of license numbers and XXXX XXXX The original creditor 's contract with signatures or a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ; and A letter of assignment ( evidence of ownership of the debt ). I received correspondence from Scott & Associates, P.C. dated XXXX/XXXX/2016 that included several printouts of credit card statements, but none of what I requested in my correspondence dated XXXX/XXXX/2016. I responded with correspondence dated XXXX/XXXX/2016 requesting that their office confirm they are legally entitled to collect the debt they are seeking by sending the items requested in my correspondence dated XXXX/XXXX/2016. After sending my correspondence dated XXXX/XXXX/2016, I received XXXX different letters from Scott & Associates, P.C. all dated XXXX/XXXX/2016. One letter states the following ; " Our office received notification of a dispute regarding the above mentioned account. For us to properly address your concern, we will need more information in writing about the nature of your dispute. '' I am unsure as to this request, because my correspondence dated XXXX/XXXX/2016 and XXXX/XXXX/2016 clearly state my needs. The second and third letters are identical and both state the following ; " Previously we verified the above referenced debt with copies of related documents ; a measure that is above and beyond what is required. '' The difference between the second and third letters is that only one included enclosures. These enclosures were a copy of a credit card statement and XXXX pages of an Account Summary Report. In regards to the statement that Scott & Associates, P.C. " verified '' the referenced debt, the credit card statement enclosures do not suffice as proof that their office is able to legally collect the debt. On XXXX/XXXX/2016, I received a letter dated XXXX/XXXX/2016 from XXXX XXXX XXXX identifying themselves as a debt collector seeking to collect {$650.00}. As stated earlier, I had already received correspondence from Scott & Associates, P.C. identifying themselves as a debt collector and demanding payment. I also stated that one of the three letters from their office included a XXXX page Account Summary Report. This report notes, " This account summary has been prepared by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. It is not a credit card or other account statement from the original creditor. '' This statement seems to suggest that both companies are aware of each other and related/working together, however, given the fact that XXXX XXXX XXXX ' correspondence dated XXXX/XXXX/2016 includes the debt validation notice printed at the bottom suggests that they are in fact a company separate from Scott & Associates, P.C. that is also demanding payment for the alleged {$650.00} debt.
08/23/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 756XX	Web
My name is XXXX XXXX. In XX/XX/XXXX I became unemployed because of a XXXX XXXX. I suffered another XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX was the last date I made ANY payments on any credit cards that I had at that time. According to the Texas Attorney Generals Office, in the State of Texas the Statute of Limitations on credit card collection is Four ( 4 ) years from the last payment made. Therefore, this debt that I am referring to, has not been able to be collected since XX/XX/XXXX. In the fall of XX/XX/XXXX, I received a letter from Scott and Associates, located in XXXX, Texas. They said in that letter that if I did not pay the amount owed, ( there was no amount listed ) within 45 days they would be forced to file suit against me with the Clerk of Court for XXXX, XXXX XXXX of XXXX. I contacted them and informed them that I no longer owed this debt as the SOL had expired the year before, and furthermore I did not live in XXXX XXXX. A couple of weeks later, I received another threatening letter from them. Once again, saying that I had 45 days to pay or a suit would be filed against me. I contacted the Clerk of Court for XXXX XXXX, even though I live in XXXX XXXX, and was told to ignore it. They told me this because of past dealing with Scott and Associates, that they were notorious for using threatening tactics. I never heard from Scott and Associates again. Now, this year, XX/XX/XXXX, seven years since I last heard from them, they are once again sending me letters stating that I have 45 days to respond and pay, ( once again, no amount is listed ) or they will file suit against me with the Clerk of Court for XXXX XXXX Texas. Again they have the wrong XXXX as I live in XXXX XXXX. This time they enclosed a copy of the letter that they sent to the Clerk of Court and I have the Attorney of records, name XXXX XXXX XXXX Texas Bar Number XXXX Admitted to the bar in Texas on XX/XX/XXXX The law firm who continues to harass me with these letters is : Scott and Associates XXXX XXXX XXXX XXXX, Texas XXXX XXXX I contacted XXXX XXXX on XX/XX/XXXX and explained to her that the SOL had expired on this debt and that it was no longer able to be collected. She told me, and I quote, " I 've never heard of a Statute of Limitations. All debts can be collected until payment is made. '' I also sent them a certified letter stating the above information. I never heard from them again, either by mail or by phone so I thought the problem was over Today, XX/XX/XXXX I once again received a letter from Scott and Associates, with XXXX XXXX XXXX listed as the attorney for the Plaintiff. Once again, stating that they would file XXXX XXXX me with the Clerk of Court in XXXX XXXX Texas within 45 days. In this letter it states : XXXX XXXX XXXX XXXX XXXX XXXX, Cause Number XXXX, in the XXXX XXXX, XXXX XXXX Place XXXX XXXX XXXX. Once again, I do not live in XXXX XXXX. I have been on the Internet and have read one consumer complaint after another about this law firm and how they totally disregard each States Statute of Limitations regarding collection of credit card debt. They use harassment, both with phone calls and letters. Thank you XXXX XXXX
09/13/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 78727	Web
On XX/XX/21 I XXXX, XXXX was sent a letter from an unknown entity stating that I was to pay them an unverified alleged debt. This paperwork was misleading ( violation of 15 USC 1692e ) and deceptive ( violation 15 USC 1692j ) due to I had never had any previous contact or dealings with this entity nor did I ever give consent to this entity to contact me in any form which is a violation of 15 USC 1692c ( a ). I also never gave consent for any affiliate of this entity to furnish this 3rd party Debt collector with any of my information. This entity was Scott & Associates PC. As per 15 USC 1692 ( a ) this was and still is an invasion of my Individual Consumer Rights to Privacy. Scott & Associates , PC stated that they are a Law Firm and they are attempting to collect a debt which is clear violation of 15 USC 1692e ( 14 ) which clearly states The false representation or implication that any individual is an attorney or that any communication is from an attorney. To add further context I would like to bring attention to 15 USC 1692a ( 6 ) that clarifies what a debt collector is : debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. Within the initial communication from the 3rd party debt collector, they called out that a debt was owed which was a violation, and still is a violation of 15 USC 1692b ( 2 ) due to the initial communication that was sent was not received by me and I was embarrassed, and my reputation was further injured by this matter that I would have liked to have kept private. Also with in that initial communication Scott & Associates used additional symbols/language that indicated that they are in the debt collection business and that the communication was in relation to collecting a debt which violates 15 USC 1692b ( 5 ) & 15 USC1692f ( 8 ) which states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The debt collector has assumed this debt without proper validation/verification as set forth by 15 USC 1692g ( 3 ) which is a violation. I would like to call attention to 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I would also like to call attention to 15 USC 1681 ( a ) ( 2 ) which calls out the following An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. My reputation as a consumer has been completely injured by this traumatic ordeal. Please refer to Exhibit I. The Creditors intent in this situation was to harm my reputation as a consumer by furnishing this unverified non-public information to the Elaborate Mechanism which is the Consumer Reporting Agencies.
05/11/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	SC 293XX	Web
VIOLATIONS AS OF MONDAY XXXX XXXX : THIS COMPANY IMPERSONATED AN OFFICER OF THE LAW. This company filed a frivolous lawsuit never having spoken with the alleged consumer. THIS COMPANY HAS REFUSED SERVICE. FAILURE TO PROVIDE CONTRACT VERIFICATION AS STATED FCRA 609 TO ALLEGED CONSUMERS ; XXXX ; XXXX ; AND XXXX. VIOLATIONS ARE AS FOLLOWS : For all intended purposes This Company shall refer to the following : XXXX ; SCOTT & ASSOCIATES , PC ; ITS SUBSIDIARIES AND OR COUNTERPARTS ; BUT NOT LIMITED TO. A DEMANDED VERIFICATION WAS SENT TO THIS COMPANY TO PROVIDE FCRA 609 & 611 ( EXACT SECTIONS WERE SPECIFIED ) .THIS CERTIFIED LETTER WAS CONFIRMED AS RECEIVED. THIS COMPANY HAS REFUSED TO PROVIDE VERIFICATION OF CONTRACT AS SPECIFIED VIA FCRA 609. This company spoke with persons other than alleged consumer regarding allegations. This company has violated FCRA 609 & 611 as stated confirmed as received via certified letters. This company has refused to provide verification to alleged consumer after having received numerous certified letters confirmed as received to do so. This company has written defamatory statements on alleged consumers credit This company has reported false inaccuracies on alleged consumers credit report. This company makes harassing calls to alleged consumer. This company believes themselves to be above the law and refuses to follow the law to provide the above. This company has several past and current class action lawsuits for exact same violations. THIS COMPANY IS PAST THE 30 DAY MARK TO PROVIDE VERIFICATION AND HAS NOT DONE SO NOR REMOVED THEIR ILLEGAL DEROGATORY MARKS ; INACCURATE CREDIT REPORTING AND DEFAMATORY STATEMENTS. This company has violated federal laws and is to remove any and all derogatory marks statements inaccurate and false Credit reporting for unverified allegations. This company has not provided any verification declared written under penalty of perjury under oath. This company seems to be confused that a mere stated belief is not a legitimate legal fact that would hold in any court of law.As they were obviously confused between what a fact versus a belief is ; were given lawful examples and exact legal verbiage of what is acceptable which is not e-Oscar. This company is in violation of all the above but not limited to and is past due to be held accountable.It is a federal crime to report inaccurate information on unverified Allegations. THIS COMPANY IS TO REMOVE AND AND ALL INACCURACIES WHICH ARE THE FOLLOWING BUT NOT LIMITED TO : ILLEGAL DEROGATORY MARKS REPORTED ON ALLEGED CONSUMERS CREDIT FOR UNVERIFIED ACCOUNT. DEFAMATORY STATEMENTS ILLEGAL INACCURATE CREDIT REPORTING ON ALLEGED CONSUMERS CREDIT REPORT.
01/02/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	TN 38134	Web
I am the co-signer on 3 separate student loans obtained by my husband. All of these student loans are now part of the XXXX XXXX XXXX XXXX XXXX { XXXX }. Each of these loans are also now part of a lawsuit brought on by your bureau. A consent order was agreed upon in relation to said suit. I believe my husband and/ or I qualify under the regulations set forth by the consent order. We have not been contacted however regarding our qualification. Our loans : XXXX XXXX, XXXX, XXXX. XXXX filled a lawsuit against us on XXXX. 1. ) This date was past the state of Tennessee 's statute of limitations. Due to incredible financial pressures and job loss, my husband and I filed for bankruptcy in XX/XX/XXXX. Once the XXXX received the formal notice of the bankruptcy, they obtained a voluntary dismissal of the lawsuit. 2 ) In XXXX I was contacted by XXXX XXXX XXXX XXXX law firm and told XXXX had been awarded a new judgement and were seeking a payment plan or else they would follow through with wage garnishments already approved by the court. I questioned the law firm concerning the new judgement and wage garnishment, as I had had no further contact from the XXXX since the voluntary dismissal of the lawsuit. However due to the bankruptcy my husband and I had just gone through, foreclosure, and moving in with relatives, I thought maybe the information had somehow not made it to us. Having experienced much hardship due to prior financial difficulties, and having been told by bankruptcy lawyers that there was NO way to EVER be relieved of student loan debt, even private student loan debt, I set up payment plans. I have been paying on these loans since XX/XX/XXXX. I was unaware and NEVER informed that these would fall under the statute of limitations. Once I learned of the lawsuit by your bureau ( the CFPB ) I called XXXX XXXX XXXX law firm in XX/XX/XXXX to ask to receive a copy of my original promissory note, as well as all documentation of sucession of ownership from that promissory note to the present. I was told they know nothing about the CFPB lawsuit and that I could not get a copy of the original promissory note, etc. I stated I would not be sending another payment until I received this information. I was told that I would be the one in violation of my payment agreement I even referenced your bureau 's lawsuit and consent order and stated that I thought they were violating the consent order by not providing me the requested documents. I have received no documentation as of today XX/XX/XXXX. I have however, been contacted multiple times informing me they have not received my XX/XX/XXXX payments and that I am the one violating the payment agreement.
10/05/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX XXXXX	Web
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ).
10/05/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX XXXXX	Web
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ).
06/14/2023	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	VA 22182	Web
I took out XXXX different student loans with XXXX XXXX XXXXXXXX XXXX while I was in graduate school from XXXX at the XXXX XXXX XXXX XXXX XXXX . These private student loans were taken out as direct consumer student loans, not certified by the school, and they were in excess of the federal student loans awarded to me by the school, as well as exceeded the cost of attendance. After completing the XXXX XXXX program, I was gainfully employed and made good faith payments toward the XXXX different private student loans ( serviced by XXXX ) from approximately XXXX through approximately XXXX. During that time period, I was laid off from my job in XXXX but still continued to make the payments for each loan. I contacted the servicer and tried to make arrangements to defer payments or lower the payments while I remained unemployed. The servicer denied my requests despite explaining my current financial situation. I was told private student loans do not have deferment plans or income-based repayment plans like federal student loans. By XXXX I had to sell my home just to continue making the loan payments and avoid default. My unemployment status had not changed and by XXXX, I could no longer keep up with the payments. I filed for XXXX XXXX bankruptcy in XX/XX/XXXX and the discharge was XX/XX/XXXX. I believe the private student loans should have been dischargeable under the XXXX XXXX bankruptcy order since they were XXXX XXXX XXXX loans. I am now being sued in XXXX General District Court in the state of Virginia by XXXX XXXX XXXX XXXX XXXX for each of the XXXX private student loans in attempt to collect the debt. I received a XXXX in Debt for XXXX of the loans. I have not received the XXXX in Debt for XXXX of the loans, although they are listed on the court docket. I believe they did not in good faith serve me with the other XXXX in Debt in an attempt to secure a default judgement for not appearing in court. The attorney of record handling each of the cases is Scott & Associates , P.C . as shown on each of the XXXX in Debt. In an attempt to avoid going to court, I contacted their office to offer a settlement that was realistically affordable for me given my limited means. They contacted me a few days later with counter-offer that was still well beyond my ability to pay.
02/02/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AL 368XX	Web
I had an account with XXXX/XXXX that opened in XX/XX/XXXX. In XX/XX/XXXX, I underwent XXXX for XXXX XXXX XXXX, and was off work for 2 months, and requested paperwork to utilize the Credit Protection Program called XXXX. I completed the documents and sent the paperwork from my Dr. After that, I never heard anything else, so I assumed it was processed and applied to my account. Later that year, after reviewing my credit report, I noticed a charge-off from XXXX and was bought by XXXX XXXX, who in turn was taken over by XXXX XXXX XXXX. In accordance with the FCRA, I had requested Debt Validation on several occasions, but was never sent any documentation in order to validate the debt as requested, but they continued to report it as a collection account on my credit report. Now come to find out, it was sent to Scott & Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and a lawsuit was filed in our local XXXX County Alabama courts. I was served by the court. I contacted Scott & Associates local office in XXXX, Alabama, and was told that if either paid the account in full or set up payment arrangements, they would place a hold on the court case until the account was paid off. I was never provided any sort of Debt Validation documents, although I requested them multiple times, as well as I have requested it through the credit bureaus as well, and it comes back as validated, but the creditor and credit bureau and collection agency refuse to provide documentation that I am entitled to by law. Time is of the essence since I have until XX/XX/XXXX, to make another payment of {$200.00}. I feel that this debt needs to be invalidated and all court proceedings and any judgments be stopped and cancelled for violation of the FCRA. I am also requesting a refund of the {$200.00} that I paid to Scott & Associates on XX/XX/XXXX. According to my rights under the FCRA and Fair Debt Collection Practices, all parties involved are in violation of my rights as a consumer, and I would like immediate resolution. Thank you for assisting me with this matter of the utmost urgency. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
12/17/2017	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AL 36605	Web
Talked to CFPB previous rep, told them I requested verification of debt from XXXX XXXX XXXX, XXXX and told rep I would put in complaint about debt collector after their response to verification. I asked above mentioned collector questions : What amount owed? Copy of written agreement that created my original requirement to pay? Provide verification and documentation about why this is a debt that I am required to pay. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statue of limitation expires for this debt, how you determined that. Does your firm have a debt collection license from my state, city etc. If not, why not? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Please give city license number. Under law do n't you have to have this city license number? Stated before and in the verification letter for you to threat this debt as being in dispute and discussion. Let me know if you are prepared to accept less than the balance you are claiming is owed. Tell me in writing your offer with the amount you will accept to fully resolve the account. In your response letter after me asking for verification you do not acknowledge my rights under the FDCPA in that letter. You are not treating our conversation as dispute but a legitimate debt that you have the right to collect under the law. Deceptive and unfair practices to collect debts are not allowed. Your name XXXX XXXX XXXX is not a formed entity in the Alabama Secretary of State 's files. No formation place, date and date qualified as a corp, no agent, no agent address which is required by law. You have n't proven by your response to me that you even exist nor answer the questions above. Account XXXX did n't exist when debt began. Resolution : Quit collection of this case. Fine for misrepresentation whoever made up company.
03/13/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AL 36695	Web
On XX/XX/XXXX, I received a debt collection letter from Credit Control , LLC concerning a alleged credit card debt with XXXX XXXX I never had any dealings with this company so on XX/XX/XXXX, I sent a debt validation letter to the company requesting validation of this debt. I never heard back from them. On XX/XX/XXXX I received another debt collection letter from XXXX XXXX XXXX about the same debt, in XX/XX/XXXX, I sent a debt validation letter to them requesting validation of the debt. I didnt hear back from them. On XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX from XXXX XXXX and on XX/XX/XXXX, I sent a debt validation letter requesting validation of the debt. I didnt hear back. On XX/XX/XXXX & XX/XX/XXXX, I disputed the debt to all three credit bureaus and the only thing I heard from XXXX stating that they received a electronic verification from the company stating the debt is validated, a gentleman stated that they arent required to get a validation if the debt just notify them that a dispute. On XX/XX/XXXX, my neighbor brings me a stack of mail stating it was put in his mailbox by mistake and I had another neighbors mail. One of the letters were from Scott & Associates , PC dated XX/XX/XXXX threatening a lawsuit against me. I generated another debt validation letter requesting validation of the debt and I also received advertisement from local attorneys stating I have a lawsuit in civil court against me by XXXX XXXX, I contacted the Scott & Associates asking about this debt and I just received the letter, she stated they filed suit in XX/XX/XXXX and sent a letter out on XX/XX/XXXX. I advised them that they never gave me an opportunity to respond and they stated they sent a letter back in XXXX which I never received and stated that I should be getting served anyway now. This is a total violation of the Fair Debt Collections Act because I wasnt given due process and if I received a letter I would have responded. As of this date I still havent been served a lawsuit
04/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 293XX	Web
COMPLIANT IS NOT A DUPLICATE PLEASE REFER TO PREVIOUS COMPLIANT WRITTEN ON XX/XX/20 MARKED AS DUPLICATE. GUILTY OF NOT FOLLOWING SECTIONS 609 AND 611 AS DOCUMENTED OVER 43 TIMES. HAS COMMITTED PERJURY FRAUD AND NEGLIGENCE. HAS REFUSED SERVICE. HAS CONTINUED REPORTING FALSELY ON ALLEGED ALLEGATIONS FOR UNVERIFIED ACCOUNT AND CONTINUED WRITING DEFAMATORY STATEMENTS BUT NOT LIMITED TO HAS COMMITTED TAX FRAUD REMOVE ANY AND ALL INACCURACIES BUT NOT LIMITED TO IMMEDIATELY AS YOU ARE MONTHS PAST THE DEADLINE TO DO SO. THIS COMPANY RECEIVED 45 PAGES TO VERIFY AND RESPOND TO WHICH THEY REFUSED TO DO. THIS COMPANY HAS GIVEN MERE STATEMENTS OF BELIEF AND NOT FACT. THIS COMPANY IMPERSONATED AN OFFICER OF THE LAW. THIS COMPANY REFUSES TO FOLLOW SECTIONS 609 and 611 AS DOCUMENTED AND CONFIRMED AS RECEIVED OVER 45 TIMES THIS COMPANY CONTINUE HARASSING CALLS AND HAS FAILED TO FOLLOW CEASE AND DESIST THIS COMPANY HAS COMMITTED PERJURY UNDER OATH THIS COMPANY HAS COMMITTED BUT NOT LIMITED TO FRAUD NEGLIGENCE SLANDER WITH DEFAMATORY STATEMENTS THIS COMPANY HAS NEVER PROVIDED ANY LEGALLY COMPLIANT VERIFICATION AS REQUIRED AND STATED BY WAY OF 45 CERTIFIED CONFIRMED AS RECEIVED LETTERS. THIS COMPANY FILED A FRIVOLOUS LAWSUIT OVER ALLEGATIONS NEVER HAVING SPOKEN TO THE ALLEGED CONSUMER THIS COMPANY SPOKE WITH PERSONS OTHER THAN THE ALLEGED CONSUMER. THIS COMPANY CONTINUE THREATENING LEGAL COURSES OF ACTION OVER NON VERIFICATION. THIS COMPANY HAS FALSELY MISREPRESENTED THEMSELVES AND SHOULD NOT BE ALLOWED TO PRACTICE LAW FOR WILLFUL AND PURPOSED NEGLIGENCE USING ILLEGAL TACTICS AND NOT FOLLOWING THEIR ETHICAL DUTIES OF THE PROFESSION OF LAW AS IN THE CANDOR TO THE TRIBUNAL AND THE BUSINESS PROFESSIONNEL OATH TAKEN TO PRACTICE. THEY ARE GUILTY OF MALPRACTICE FOR ALL REASONS STATED BUT NOT LIMITED TO. AGAIN THEY REFUSED SERVICE FROM ALLEGED CONSUMER AS DOCUMENTED KNOWING THEY WERE IN THE WRONG.
05/07/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77546	Web
I was at work when my bank notified me that a {$9200.00} hold had legally been placed on my joint account with my wife. I went to the branch and they said a law firm had gotten a judgement against me and placed the hold, at which time the branch found out the firms name and number for me. I called XXXX XXXX XXXX and they said they had a judgement again me from XX/XX/XXXX for a company called XXXX XXXX, who originally bought the debt from XXXX XXXX XXXX. They say I owe for a credit card through XXXX from XX/XX/XXXX or XX/XX/XXXX, got a different answer when I called back a few hours later, for an amount of {$4800.00}. The account number they gave me doesn't even match the information I have from that time because I have credit reports from when I bought a house through XXXX in XX/XX/XXXX. Unfortunately I went into foreclosure in XX/XX/XXXXdue to the financial collapse and have lost all credit since then. I have no idea what this account is that they're talking about nor do I remember EVER having a credit card with that high of a limit. Even when I had a XXXX score my largest card was only around a {$2000.00} limit. These accounts have been closed for years, I have never received any mail, certified or not, or any notice of some sort of judgement. As of today my account is - {$9200.00} with a legal hold on it, I can't buy food for my family, pay bills or even get gas to go to work. My wife and I are financially lock out and can't pay any family bills or anything, we only made a combined income of {$30000.00} last year with XXXX kids to feed, how is this legal. I am sending a copy of the credit report from XX/XX/XXXX that has a XXXX credit card on it with a balance of only {$1400.00} and ends in XXXX. They said the account I owed for ends in XXXX, but is not on my credit report.
05/16/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 77004	Web	Older American
For several yearsI since XXXX or even earlier i held a XXXX Credit Card. Nevertheless, this account seems to also be owned by XXXX XXXX XXXX. I made payments to both it seems. It looks like XXXX XXXX XXXX sold my debt to a Texas Debt Collector who now claims to be representing XXXX XXXX XXXX in the collection of this debt ... which of course it is not a XXXX XXXX XXXX Debt, but a XXXX XXXX XXXX. About 50 % of the balance in that credit account was based on fees. Back on XX/XX/XXXX the last balance showing in the XXXX XXXX monthly statement was {$2500.00} The present balance according to SCOTT & ASSOCIATES IS of {$2700.00} higher than it was 3 years ago when I cancelled the card and stopped paying on it with a letter of complaint and request for reduction of the balance. IN XXXX XXXX XXXX XXXX had the records but by XXXX it looks that XXXX was in charge. Very confusing to say the least! Somehow XXXX XXXX XXXX sold this debt ... that was not theirs .... to SCOTT & ASSOCIATES. a debt collector based in XXXX, TX I never had a problem withI XXXX XXXX XXXX until XXXX XXXX XXXX began managing the card. Now I am facing Scott & Associates in court. They filed against me IN THE NAME OF XXXX XXXX XXXX .... but they actually bought the debt from XXXX XXXX XXXX and are not stating that. I think this a gimmick and I am being played. I investigated as far as I could but it is all very confusing. Who do I owe this money to? Why is XXXX XXXX XXXX involved and how can they sell a debt that is not theirs? They filed the suit.!! at least their name is on the court filed papers. Scott & Associates connection to XXXX XXXX XXXX is, to say the least, very dubious. I not illegal. There is no mention of XXXX XXXX either, even though they were the account holders and initiators.
11/07/2023	Yes	Student loan Private student loan	Struggling to repay your loan Bankruptcy	VA 22182	Web
XXXX XXXX XXXX XXXX XXXX ( specifically, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) have filed multiple lawsuits against me in the XXXX XXXX XXXX XXXX XXXX, Commonwealth of Virginia in an effort to collect debts from defaulted private student loans , each loan originating from XXXX XXXX XXXX XXXX from the period of XXXX. Attorneys for the Plaintiff have filed with the court and served upon me a Warrant in Debt for each of the six student loans they are attempting to collect, as well as filed with the court and served upon me a Bill of Particulars for each case as ordered by the court. Included with each of the Bill of Particulars, attorneys for the Plaintiff have also filed an affidavit from a purported employee ( XXXX XXXX ) of XXXX XXXX XXXX, signed XX/XX/XXXX. The affiant makes the same misleading and defective claims that were previously identified in the XX/XX/XXXX CFPB complaint filed in federal district court against the XXXX XXXX XXXX XXXX XXXX. This is evidence that XXXX and XXXX XXXX XXXX XXXX XXXX continue to file lawsuits in state courts fully aware that their claims are deficient and lack standing, thereby knowingly violating the terms set forth in the consent order. Attached is a copy of the Bill of Particulars filed by the Plaintiff. The Bill of Particulars filed in my other five lawsuits are identical in form and substance with the exception of the Trust name, along with dates and alleged amounts owed, changed to meet the specifics of each loan. Attached is a copy of the XXXX affidavit filed by the Plaintiff. The affidavits filed in my other five lawsuits are identical in form and substance with the exception of the Trust name, along with dates and alleged amounts owed, changed to meet the specifics of each loan.
09/14/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75010	Web	Servicemember
Scott & Associates P.C ( Mailing address XXXX XXXX XXXX XXXX TX XXXX. Phone # XXXX ) sent me a letter dated XXXX/2017 letting me know that the law firm was representing XXXX XXXX for a collection of debt in my name for {$3500.00}. The letter said in the second paragraph the the letter was not a threat but will be giving to giving to an attorney for legal action if I do n't call and make arrangements to pay the debt. I called the law firm and talked to a representative and explained to her ( person that I talked to was a lady ) that the debt was not mines and her advised was to pay the debt or there was going to be consequences. I wrote a letter to Scott & Associates requesting in writing a certification of the debt from the original grantor ( XXXX XXXX ). SSN related to the account. Copies of all original signatures in all transactions transactions made with this credit card. Name in the account. Account number and Telephone # related to the account. At of today I have not received their response. I will sent another letter to them but this time with return received. I read the comment posted about this law firm and they basically that they are bulldogs and ther will go after you. I am very afraid that they they get my personal information, driver license #, and SSN. I file a complain with TX motor vehicle office, SS administration not give my information to any one unless I authorized. Base on the information posted online about these people they would go after you with threatening letter, phone calls, frivolous lawsuits. I am very affraid that to loose my Job because of this. I got a copy of my credit reports and there is no changes. Please make these people cease and desist of frivolous action. Scott & associates file number is XXXX
11/08/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 78665	Web	Older American
On XX/XX/2019, I was served with a citation on a lawsuit from XXXX XXXX XXXX with Scott & Associates listed as the attorney for the plaintiff. After much research, I discovered that XXXX had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per XXXX. XXXX XXXX claims that they are not a collection agency and that they referred the account to Scott & Associates, a collection agency law firm. I never received any type of communication from Scott & Associates prior to being served with a citation. I sent Scott & Associates a request for debt validation. The only thing they sent me was a few of the bills from XXXX and where I had applied for a credit card with XXXX on the Internet. That in no way validated that they had the authority to collect the debt. I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence. Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney. My complaint against Scott & Associates is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with Scott & Associates. This is my second complaint. Evidently Scott & Associates put an incorrect address on the petition with the court and my complaint was sent to the wrong company.
06/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75703	Web
The listed credit card accounts XXXX, were opened through fraud on or about the following dates XXXX. I documented that the accounts were opened by a divorced spouse that was able to obtain my personal information, including checking account details about me and even opened a checking account in my name. XXXX XXXX XXXX, was provided copies of the FTC report. XXXX XXXX XXXX failed to acknowledge the receipt of the documents sent to them by certified mail, nor did they update my credit report showing that the accounts were in dispute, with the necessary notations. I notified XXXX, XXXX, and XXXX, of the Fraud, and I provided requested documents to them. Each of the three credit bureaus placed fraud alerts in my credit file. I disputed each one of the accounts with the bureaus. XXXX XXXX XXXX failed to respond to the dispute as it was filed with the credit bureaus, and instead verified the accounts as accurate. XXXX XXXX XXXX did open an investigation, but did not supply any supporting information to their incomplete findings. I received a letter for each account from XXXX XXXX, dated XX/XX/2020, which stated that their investigation found no signs of fraud on the accounts, with no further information. I was not provided in writing how XXXX XXXX XXXX came to this conclusion. I suspect that no investigations actually took place. Scott & Associates in XXXX Tx, filed separate lawsuits for each fraudulent account in the county in which I reside, per the direction of XXXX XXXX XXXX, and also obtained default judgements for them as well. How can a collection lawyer obtain judgements through the courts, when the accounts that they hold were not opened by me and have been reported as fraud?
02/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 293XX	Web
DATE:XXXX-20 COMPANY : XXXX XXXX XXXX Michael J. Scott XXXX XXXX XXXX Scott & Associates , PC ISSUE : Ive NO CONTRACT with these entities and have been disputing this for some time as your files will show. As soon as I disputed here they illegally noted derogatory trade lines on my credit.They also illegally impersonated an officer of the law showing up to a residence and spoke to people they believed associated with me fully disclosing procedures against me. They violated numerous FCRA FTC and TILA Statutes by way of not responding to over 33 written certified correspondences from myself asking them to verify and provide information specifically requested which they refused to do. During this time they filed a lawsuit against me where I do not reside serving someone else. Thankfully I was alerted of this information and filed a motion to quash service of summons and motion to dismiss.I also filed a complaint with the attorney general as well as the FTC and Federal Reserve. On XXXX-20 they legally DISMISSED all allegations ENTIRELY against me by way of filing with the courts. MY CREDIT REPORT IS INACCURATE NOT REPORTING THIS AND NEEDS TO BE FIXED IMMEDIATELY. I PLAN ON FILING FEDERAL RICO CHARGES FOR THEIR CONTINUING CONSPIRACIES AGAINST ME SHOULD THIS NOT BE REMEDIED ASAP.PLEASE REQUEST THEY PROVIDE YOU WITH COURT DOCUMENTS SHOWING THE INACCURACIES AND THAT THEY REPORT TO XXXX XXXX AND XXXX ALL EQUALLY WHICH HAS SIGNIFICANTLY BEEN LOWERED BY INACCURACIES AND LOWERED MY FICO.I REITERATE I DO NOT HAVE A CONTRACT WITH THEM AND THEY HAVE AGREED BY FILING WITH THE COURTS THEY HAVE DISMISSED ALL ILLEGAL ACTIONS UPON MY CREDIT WHICH HAS YET TO BE REMEDIED.
07/30/2018	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I have been dealing with XXXX and the various different collection companies they employ for over 15 to 18 months on this issue, I have responded to these attempts to collect a debt over 8 times with request to validate the debt and they have yet to comply with the request in a timely manner. When they do respond the information I get is the same information a contract to XXXX and an undated, no letter head, no identifying information list of transaction they say is a statement of account which is incomplete and unable to be authenticated. They do not send any proof that they are the owners of the debt when this debt went into collections. Finally they illegally collected {$1500.00} from my bank account, prior to validation of the debt was ever done as I provided with a request to settle the debt and a payment plan if they could provide all the validation information. It was 6 months before I realized they had begun to draft from my account without consent, prior to validating the debt. They are also sending letters to my ex-father-in-law who they apparently say is a cosigner to this invalidated debt. I have request validation 7 times in the past 15-18 months to no avail, and this is now becoming such a frustration that I am going to have to seek legal support and handle this matter. The apparent debt that is owed is over 12 years old and was in the same timeline of debts that XXXX fined for and have pending judgements against.
10/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 791XX	Web
Scott & Associate 's XXXX XXXX XXXX XXXX, TX Re : XXXX XXXX debt from fraud XXXX, TX I'm being sued from debt brought on by being a victim of identity theft back in XXXX-XXXX. My estranged half sister stole my drivers license and social security card. Her name is XXXX XXXX XXXX, XXXX, born XX/XX/XXXX, she has a long XXXX XXXX of XXXX and XXXX XXXX and XXXX and a long long XXXX XXXX. When she moved out of my father 's house she stole many other items. To which the authorities where we lived came out to deal with on various occasions. I've already spoke to XXXX when I found out on my credit report in XX/XX/XXXX and was receiving notices as a result and they agreed they would take the information and submit to fraud department. I even put fraud alert on my cr reports as a result. Received another call about 45 days from XXXX at XXXX and was told they would charge it off as fraud. They couldn't authenticate it was me that took out line of credit for the account. On all consumer reports they took the debt off and then after about 8 months it came back. I've since made numerous calls & messages to Mr. XXXX 's office and no return call. There needs to be a further investigation due to the lawsuit they have against me of how info has been obtained that proves I applied for this account. I spoke to all cr agencies and disputed the information proving my sister 's background resulting in having the debt removed.
05/16/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 77590	Web
While reviewing my bank account on the morning XX/XX/2018, I notice that my account was placed on hold with a - {$6600.00}. I contacted the institution who informed me they received a letter of garnishment and they required by Texas State laws to get outside council and seek 125 % of the total debt, post debt, and up to {$1000.00} in attorneys fees but that it had not been referred to outside council yet. I immediately asked the representative why wasn't I informed of this by them and ask if I could seek council and for them not to do it because I can not afford to pay the additional charges related to this charge because I didn't open the account and needed to gather more information which i requested from them. The bank gave me the debt holders information which was XXXX XXXX who's represented by XXXX XXXX XXXX. I contacted XXXX XXXX who directed me to XXXX XXXX XXXX who would not speak to me but simply transferred me to a debt collector who I explained to that I believed that a family member who had previously used my information had opened and used the account as if they were me. I asked could we reach a settlement agreement the waved all of the late fees that have built up over a 10 year period which they refused. I pleaded with them to no avail speaking to multiple agents. I am only willing to settle this because I sure it was a family member who did this and I just want to clear my credit.
06/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36830	Web
This is a complaint re : Scott & Associates , PC located in XXXX, Texas. I received a debt communication over a year ago with my former married name ( which was changed in XX/XX/2016 ) for a debt that I have no knowledge of. At the time, the collection agency sent a form for a copy of my drivers license, social security card or passport to confirm my identity. They also stated that I should file a police report on the debt. I refused to do any of those things since I have no knowledge of this debt and did not want to file a fraudulent police report and I certainly was not going to send all of the self identifying info they requested. I wrote a cease and desist letter to the company and heard nothing from them again, though they did sent the report to the credit bureaus, so now I have this unknown debt on all three of my reports and can not seem to get it removed. Yesterday I received a letter from them again with the " bill '' for this unknown to me debt, which is listed from " XXXX '' - - I called them this morning and on a recorded line, the agent admitted that there was a cease and desist on file and that she would remove the address and info from the system. This is in direct violation to the Debt Reporting Act. I am not sure how to resolve this issue and how to have this removed from my credit report, but I am very frustrated and concerned by the company 's practices.
04/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76179	Web
XXXX XXXX XXXX has contracted with Scott & Associates PA for the purpose of debt collection. I have been sued in court for a debt they say that I owe. The contract copy provided has information that I have no knowledge of and it makes up a significant portion of the amount they claim that I owe. The alleged debt is from a few years ago, but they had zero contact with me regarding this debt prior to XX/XX/2020 when I was served with court papers in the middle of a pandemic. I have attempted to contact Scott & Associates via the contact information they provided in court papers, requesting more information on the debt, contract terms, possible resolutions, etc. and they will not return my messages. They continue to send letters in an attempt to collect, offering to reduce my alleged debt by varying percentages - from 10 % to as much as 60 % in the time since they have sued. They provide a portal on their website to request a hardship agreement, which I have also submitted, due to the fact that I have been unemployed for a year due to covid, have XXXX assets to even satisfy a judgement if I wanted to, etc. I have requested the opportunity to resolve outside of court, etc. and they will not communicate back to me. It seems they falsely claim to want to work out arrangements, provide hardship assistance, etc. but they do not actually follow through on those offers.
04/23/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 77498	Web
On the XXXX of XXXX I recieved communication that I was being sued, by XXXX XXXX and yes I have done business with them years ago, but now they are suing me without ever informing me a debt nor giving me any opportunity to even know if this is my debt I asked for prove like a Dunning Letter or something to say I had an option to dispute this debt and they have not did that, I just received A response from the lawyer office the week of the XX/XX/XXXX, with still no prove nor did they answer my questions, they sent the same thing that they filed the lawsuit with! I am just mailing a certified letter on XX/XX/XXXX to again ask for proper documentation on this claim and I also having to appear in court on XXXX the XXXX to appear in front of a judge and this is an illegal process and these ppl want send me any prove that shows this is me or any letters sent to me prior to this court case. This should be dismissed and this ppl should be paying me and not to mention a 3rd party has information about me for which I didnt give permission to do so, they are illegal suing me. Also, attached below is the only information given that they were able to file a lawsuit on! That should not be! Also, all information redacted account numbers, pricing, etc. and XXXX was not contacted because they never contacted me and everything is going through Scott and Associates.
09/29/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	VA 230XX	Web
Warrants were taken XX/XX/2022 without ever contacting me concerning debt that was purchased by their client who also violated proper notification. I never received or new anything about this attorney. I'm now being told that a 3rd party purchased debt for a low cost and now suing me for large amount plus interest Scott & associates law firm failed to properly notify me on what they were doing or debt. I received no written notices, just 5 written warrant in debt letters. I immediately contacted them but it was too late. Even now I'm being served by the sheriff after requesting to go through the dispute process. I spoke to someone who said they sent 1 letter. In which I don't believe, because his story changed after I hammered them for violating the law. They are simply taking advantage of people in horrible times. Additionally XXXX XXXX XXXX sent me ONE debt notification only! in which I properly disputed in writing. They ignored my written dispute, gave it to an attorney. The attorney immediately obtained a warrant in debt that I had no idea they they had and sent me a dispute letter 2 days later from XXXX XXXX. What??? This is horrible... the two companies are working together to hurt people bad. This needs to stop. They are running around purchasing debt for pennies and suing for large amounts as of consumers brought from them.
06/09/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 193XX	Web
XX/XX/XXXX - {$500.00} ( portion of COVID-19 Fed. Govt. relief package ) was sent to XXXX XXXX XXXX ( a collection agency for XXXX ) advising that no additional funds were available. XX/XX/XXXX - Received collection letter from collection agency, XXXX XXXX XXXX, that I am on Social Security XXXX, and I am " judgement proof '' and no sources of government assistance ( which is my only income ) can be garnished. Advise XXXX & XXXX that I do not want to be contacted in the future using any communication whatsoever and that further contact would be considered harassment in violation of the Federal Fair Debt Collection Practices Act 15 USCA Sec. 1692c. XX/XX/XXXX - a new collection agency, XXXX XXXX, acting to collect this same original XXXX debt, sent another collection letter to which I responded with almost an identical text as the XX/XX/XXXX letter. XX/XX/XXXX another collection agency, Scott and Associates, PC, has attempted to collect this same, outstanding debt. I can only assume that XXXX ( account ending in XXXX ) is attempting to use various collection agencies to disguise harassment attempts over time. I am, therefore, reporting this latest harassment attempt to you, the Consumer Financial Protection Bureau. I have included copies of the relevant correspondence as attachments. Thank you.
04/08/2020	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	TX XXXXX	Web
Please reference complaint numbers XXXX and XXXX from XX/XX/2020. As of XX/XX/2020, per my local court clerks, this file has not been withdrawn and no " hardship hold '' has been placed on my account. This company stated to CFPB on XX/XX/2020 that a 60-day " hardship hold '' was placed upon my account. There is no hold, they are pursuing legal action, during a national emergency. Scott and Associates have lied to the CFPB, a government agency, and should be held liable. XXXX XXXX XXXX, ( who has not yet even responded to the XX/XX/2020 complaint ), should also be held liable for the actions of their representative party. If the CFPB desires me to furnish the recorded telephone call where the Scott and Associates agent says to me that I do not have to respond to the summons of the lawsuit, I will gladly do so. It has already been given to the Attorney General of Texas and the State Bar of Texas. I will also begin to visit XXXX XXXXXXXX XXXX social media pages and demand to know why they would decide to file a lawsuit against a person who has continually attempted to get on a hardship payment plan, especially during a national emergency. I will also demand to know why, ( as Scott and Associates stated in the attached letter response ), they would NOT take the file back into their possession.
10/09/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA XXXXX	Web
This company has put a writ of execution on my bank account on XX/XX/XXXX and is holding it for 30 days. This credit card debt is 10 years old and prior to this in XXXX there was a lein that was put on my property for this debt in the amount of {$1600.00}. So when my bank emailed me saying my bank account was at a negative I called this company the very next day because I never received and email from my bank until the evening. Now this company is saying I owe {$3200.00}. All of a sudden not only are they trying to collect on a debt that already has a lein but also a credit card debt that is 10 years old and I am sure that my last payment made on this credit card was about 11 or 12 years ago. I have all documents required to support this. I did call them immediately and said how can you collect for a credit card debt that has a lein on my house already and also for something that is 10 years old. Of course they said they can and then they cant discuss anything until my 30 days was up. I may be wrong but a Judgement lein is only good for 5 years on your property and this was not renewed. So this company is collecting for a debt that is 10 years old. I also believe that credit card debt in Pennsylvania has a statue of 6 years from the last payment made which I'm sure was in or around XXXX???
12/24/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 78573	Web
*NEW COMPLAINT WITH UPDATE DOCUMENTATION* XXXX XXXX XXXX XXXX XXXX XXXX has never contacted me by mail or by any other manner regarding their debt purchase from XXXX XX/XX/XXXXXXXX now XXXX XXXX XXXX XXXX I became aware of their existence after they had filed a lawsuit against me for a debt I do not recognize. Under guise of under litigation, they use that as a cover to avoid producing documents of requested documentation of the disputed account or provide the proof that they followed the law by properly doing the necessary work prior to filing a lawsuit against another across state line of pennies on the dollar purchased debt. Any business with a computer, some software and some personal information of another person can create invoices/statements of charges of what they think is owed to them. Thus, the account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges is being disputed. The debt buyer from XXXX, South Carolina, has NOT properly followed legal procedures prior to initiating a lawsuit against an individual across state lines nor have they validated the debt ; therefore, the complaint should be dismissed immediately. *PLEASE SEE ALL ATTACHED PAGES 12 IN THIS NEW COMPLAINT*
04/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 362XX	Web	Servicemember
This account was settled in full with XXXX XXXX XXXX onXX/XX/2020. The payment was made using a ACH via telephone. An agreement was emailed over and signed and was fax back to XXXX XXXX onXX/XX/2020. XXXX sent over a letter on XX/XX/2020 serving a final receipt. A lawsuit was filed with our local court was dismissed after payment. They advised that the credit report would be updated within 2 weeks. After the credit report was not update to reflect correctly a dispute was filed citing the incorrect balance information. Instead of XXXX XXXX XXXX reporting the correct information during the investigation they reported that we still owed the FULL balance of {$1300.00} on XX/XX/2020. XXXX XXXX XXXX and Scott & Associates knew that the account was settled and payment was made but decided to be deceitful and report knowingly incorrect information to the credit bureau instead of the correct information resulting in devastating 45 point decrease to my credit score. I have all the documents to provide this account was settled on XXXX, 2020 including the receipt, signed agreement, dismissal of the suit filed in the local court. and bank statement showing the payment was made. XXXX utilized Scott & Associates attorneys to resolved this matter XXXX.
12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	TX 77479	Web	Older American
In XXXX, I refused to pay for this refrigerator that was returned to XXXX twice for repairs. The XXXX refrigerator was sold to me as new but it was a refrigerator off of the floor of the store. I requested a new refrigerator after the appliance failed several times within the first four months of service but I was refused. The repaired refrigerator remained at the XXXX store and I discontinued making payments on this appliance. In XXXX of XXXX, XXXX XXXX XXXX purchased the debt and filed a judgment in XXXX of XXXX. XXXX used a law firm named XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, Texas by Atty. XXXX XXXX XXXX XXXX. XXXX to serve the judgment. On XXXX XXXX, XXXX, I was asked to sign a one-page document with the understanding that the debt would be resolved due to the statue of limitations in Texas ( e.g. 4 years ). On XXXX XXXX, XXXX, I was served a writ of execution that was secured by Scott & Associates @ XXXX XXXX XXXX, XXXX, Texas XXXX -- -Phone XXXX, XXXX. The writ of execution 's cause no is XXXX and it was filed electronically at the XXXX XXXX XXXX Clerk 's office, XXXX XXXX, XXXX XXXX, XXXX Texas XXXX. This debt is 19 years old and my property has been threatened for possession and or XXXX for this alleged debt.
02/11/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 75243	Web
In XX/XX/XXXX my wife signed for a personal loan to consolidate debt. The original amount of the loan was {$12000.00}. A few months later I was laid off and we were unable to pay our bills. The account was charged off. The debt was purchased in XX/XX/XXXX by a company called XXXX XXXX. XX/XX/XXXX they filed a judgment. They hired a law firm, Scott and Associates, to collect the debt. Last Thursday, XX/XX/XXXX, Scott and Associates seized our joint XXXX XXXX checking and savings accounts, taking the funds we had in our accounts without any notice. I first called XXXX XXXX who would only speak to my wife. They said the accounts were legally frozen. I found a phone number attached to the transactions through online banking access and called Scott and Associates to learn more ( XXXX ). I reached a woman named XXXX XXXX at XXXX, who told me her firm had sued XXXX XXXX and would not release my accounts until I paid {$37000.00}. Then she said the firm would be willing to settle for {$31000.00} if I paid immediately. So, the original debt of $ XXXX is now fourteen years old and has somehow ballooned into $ XXXX, and Scott and Associates has unlawfully seized my bank accounts without so much as providing notice.
02/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78728	Web
FAILED TO VEFIFY DEBT WHEN REQUESTED In accordance with the Fair Credit Act XXXX Account XXXX XXXX XXXX, XXXX Case # XXXX / FILE # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A States I have the right to privacy 15 USC 1692g Section 809 If the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.
03/08/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	SC 29340	Web
I have sent letter to Scott & Associates PC requesting proof of my permissible purpose to have access to my credit reports & I requested the disclosures that would allow me to exercise my right to opt out from them or their client XXXX XXXX to sending any of my personal information to any 3rd parties including consumer reporting agencies. And at this point I haven't been gotten what i have requested and what legally entitled too. Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option
04/19/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77083	Web
on XXXX XXXX this company Scott & Associates , P.C . sued me on a time barred debt.According to the lawsuit the plaintiff claimed that I owed {$2600.00} this is false. This account and debt have been disputed and most of all, the account and debt according to my record is time barred. The last payment I made on this account was on XX/XX/XXXX. That is 4yrs which is more than 4yrs the Texas status of limitation is. The statute of limitations " clock '' starts ticking on the date of last activity on an account. Typically, this is the date you last made payment. According to Texas statute ; civil practice and remedies code, XXXX. the status of limitation in the great state of Texas is 4 YEARS. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from bringing a suit or even threatening to sue you for a time-barred debt. This law the plaintiff just violated. And also, by making me go to the court while the nation has a stay at home going on because of the corona virus, this company put my life and well-being at risk by bringing this bogus case. Also, wasting the court time when they do know better that the case they bringing is time barred
05/01/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78664	Web
On XX/XX/21 I was contacted by a XXXX XXXX XXXX Their attempt was to collect on a debt that is past the statue of limitations in my state of Texas. The JXXXX XXXX XXXX is willing and knowing violating Section 16.004 of the Texas Civil Practices and Remedies Code that clearly and plainly states that the Statue of Limitations of Debt in Texas is 4 years. They are also violating Section 392.007 of the XXXX XXXX XXXX that clearly and plainly states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. The have failed to provide me the required notice and detailed in Texas Law. I have advised them of their violations and they continue to harassment me. I have sent them another notice to cease and desist as recently as XX/XX/21. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved.
08/05/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	TX 75217	Web
Scott Parnell & Associates, PC. 's ( XXXX ) Attorney Michael J. Scott ( XXXX ) filed an affidavit in federal court pleadings, exposing my social security number today, along with my DOB and Texas Drivers License Number. I spent {$220.00} with a credit monitoring agency and food to work late on this. I missed my home cooked meal because of this. Is this just the start or does it end here. Anyone can see my social security number in cause no. XXXX on the pacer.gov website. Earlier today before all this happened I had called XXXX XXXX and asked to speak with XXXX XXXX who welcomes my questions or concerns and gave me number XXXX. But in reality the people who answer the phone never let you talk to XXXX and they just say you have to call the attorney. So it seems that XXXX is their agent in all the matters before us, in our common law, they are responsible for their agents. So when I call them tomorrow to ask them about their agent, who released all of my sensitive data out for everyone to see, are they going to tell me to call their agent XXXX, or are they going to talk to me? Who gave XXXX my social security number? Who is responsible for the breach?
03/09/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77498	Web
On XX/XX/2017 I send a certified latter of " Validation of Debt '' to Scott & Associates PC XXXX Texas XXXX XXXX : File No XXXX.They have not send me the documents I requested within 30 days. following are the documents I requested : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Moreover.I informed that there claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents
08/01/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75010	Web	Servicemember
I received a debt collection letter from Scott & Associates, PC on behalf of XXXX XXXX XXXX. The amount is {$3100.00} and their account # XXXX. They also filed a lawsuit against me ( case # XXXX ) I called the Law Firm and I spoke in the to XXXX XXXX. I informed her that I 've never done business with this bank. I was asked for my last 4 digits of my SSN. XXXX XXXX XXXX told me that that my SSN in the account does n't match the last four of my SSN. At that point I tough that the it was the end of it but that did n't happen. They keep sending letter and sending collector to my house. I need this to stop. I sent them copy of the 3 major credit reporting agencies with ( XXXX, XXXX XXXX, XXXX ) that shows that I have no outstanding, late payment or collection in my credit report. I sent a copy of my XXXX, A copy of my military service XXXX XXXX payment so they can corroborated the last 4 of my SSN. I also told them that to perform my duties at my job I needed a security clearance and my last SC was Finnish in XX/2016 flying colors. All this info and they still coming after me for something I do n't owe.
10/17/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75165	Web
I set up a payment arrangement in XXXX the day I was served with paperwork stating that I was being sued. I have successfully made XXXX of my XXXX payments with the last payment being due on XX/XX/2022 I have contacted this company several times regarding the default hearing date that I received as I have been on a payment arrangement since XXXX and have requested to speak to someone in the legal department and my request have been denied. I contacted the courts this morning after being informed that a continuance was requested on XX/XX/2022 after my initial complaint regarding this letter. the agent confirmed that the payment arrangement was to prevent a judgement hearing which is what I was informed at the time of setting up the arrangement both can be confirmed on the companies recorded calls. I reached out to the courts this morning and they have no record of a pending continuance case. at this point if I am required to take off of work on XX/XX/2022 I am demanding that my time off work be compensated as well as the file be dismissed because I have done my part however this company has not.
03/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77083	Web
Collection Agency : Scott & Associates PC ( XXXX XXXX ) Original Creditor : XXXX XXXX XXXX XXXX. File Number XXXX My social security, driver 's license, and resident card was stolen. I noticed this credit account was reported on my credit. I am not very good with computers and started researching what to do. I reported my identity stolen to the police department, sent a letter to the collection agency informing of my identity being stolen, I also sent them the police report along with the FTC Identity Theft Report that I filed. I also asked the collection agency to send me a validation of the debt. They were not able to provide proof of a signed agreement. This is not my debt. I am hitting a point to where I am not sure who can help me. I already reported it to the authorities, and have asked for this agency to close this and remove it from my credit. I am listing below the certified mail tracking numbers, and also attaching the documents I have sent to them. Thank you for any help. Letter 1 : Sent on XXXX, received on XX/XX/2021. Letter 2 : Sent on XX/XX/2021, received on XX/XX/2021.
09/26/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23803	Web	Older American, Servicemember
My XXXX XXXX credit card was cancelled closed in XXXX supposedly by XXXXXXXX XXXX which put me into debt situation I lost my employment in XX/XX/XXXX now on social security XXXX, between then and XX/XX/XXXX interest built up around {$400.00} to account when account was turned over to XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX in XX/XX/XXXX I was served a warrant of debt by firm working for XXXX Scott and associates, p.c. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX court date is set foXXXX XXXX XXXX Scott and associates requested awards letter from social security administration to create hardship account, social security documents were sent to both Portfolio and law firm both say they don't have papers ; faxed from staples to Scott and associates and mailed to Scott and associates, emailed to XXXX. These are social security award letters with my social.sec. # apperarantly getting into wrong hands today I received an scam email commenting on my hard ship which I have only discussed with both plaintiffs.It was from a XXXX XXXX, and has my address XXXX XXXX XXXX XXXXXXXX XXXX
09/27/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 24153	Web
I have received letters from 2 different companies stating that I owe them money. On both occassions I have sent disputes and requested information that supported that I owed them money to which I have never received. Instead from the last letter I sent I received a notice that I am being sued along with a letter. Again I am responding with a letter demanding proof. All the while this information even though it has been past the 30 days from the date of my second letter it is still showing on my credit report. They have been unable to provide me any information that I signed a contract with them, that I owe this debt, that I entered into any agreement with them, nothing. The letter they sent me along with the fact they were suing me was received on XXXX/XXXX/XXXX and they refused to date the letter however the lawsuit is dated XXXX/XXXX/XXXX with everything typed but the actual date ( 18 ) part, and that has white out on it. I find that interesting since that would be one day before 30 days is up. Highly unlikely. Please see all attached documentation.
11/08/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 777XX	Web
A strange XXXX male appeared on my land looking for information which he did not receive the first time he had came by as, he began to leave off the property it was noted that he began to write down the license plates numbers of the vehicles on the property. A few weeks later said man appeared on my property once again and was warned that he was trespassing, well said man wanted to argue that fact with the homeowner, which resulted in home owner getting his weapon to stand his ground. In which time homeowners wife persuaded trespasser to get off the property, but before leaving property trespasser was caught on homeowners camera using his phone to record the license plate numbers of the vehicles in the homeowners yard.The third trespass violation occurred on XX/XX/2020 My wife said to have had words with trespasser before he taped a third party debt collection citation to door of my home. And also the citation that the trespasser stuck to my door has This incident was reported to the local authorities and the state attorney general office here in TX.
10/06/2019	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	VA 246XX	Web
I was sued by debt collector Scott & Associates , P.C . for a debt that was believed to be owed by me, however, the case was filed in the wrong county from which I live. This is a violation of the Fair Debt Collection Practices Act, Article 15 USCS 1692i : 15 USCS 1692i 1692i. Legal actions by debt collectors ( a ) Venue. Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions. Nothing in this title [ 15 USCS 1692 et seq. ] shall be construed to authorize the bringing of legal actions by debt collectors.
08/03/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AL 363XX	Web
I do n't owe this debt. i have not lived at the address listed for over 18 years. This is the first time I have EVER heard of a XXXX card or the people who have garnished my wages in regards to this matter. I am being forced into poverty as the result of these people taking a literal pen and writing in almost XXXX worth of charges. on me and throwing my finances in a downward spiral. I am losing everything I have, because of this. I can not afford a lawyer because I am penniless right now. How are they being allowed to do this? This through my bank account into overdraft because I budget for my expenses and paycheck was not enough to cover my bills. I ca n't sleep nor eat, because my utilities will be disconnected in XXXX degree heat in Alabama. How are these people being allowed to steal? I do n't know these people, I have NEVER had a XXXX account Ever! Yet, these people want to steal over {$12000.00} from me. If this can help one person, then it has been worth it.
03/03/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	VA 22304	Web
A XXXX XXXX loan I had was reported as not being paid off. However ; as part of a debt consolidation program it was paid off years ago. The reported loan amount on a warrant in debt I just received is gravely incorrect. It has since been sold to XXXX XXXX XXXX XXXX who is using Scott & Associates , P.C . to sue. Additionally, the account has been sold off to numerous owners and therefore the information regarding the balance can not be valid ; as there is no guarantee that whatever balance they thought was originally owed is what was report. I have received two warrants in debt ; but have never received a notification prior to the warrants that they would be attempting to sue for payment. Additionally, the debt they are attempting to collect is 6 years old as the credited account was opened in XXXX. The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts.
09/14/2015	Yes	Bank account or service Savings account	Deposits and withdrawals	TX 77304	Web	Older American
On XXXX a legal order XXXX with a number following it garnished XXXX plus XXXX bank fee from my XXXX XXXX XXXX savings account. The only money in that account was backpay from a VA XXXX claim and my VA XXXX monthly deposit. I can not work now due to my XXXX and am rated XXXX with individual unemployment. I recently had XXXX so it will soon be upgraded XXXX I ca n't work now so I depend on that money for my living expenses. The company was XXXX XXXX XXXX as assignee of a judgment rendered in XXXX XXXX XXXX XXXX. Their attorneys Scott , Parnell & Associates , PC out of XXXX, TX filed it on XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas. The first I knew about it was on XXXX when I checked my bank account. I went to the bank but they could not tell me anything about it. When I came home the mail had arrived and I received the court papers which I do n't understand but at least I know who did it now. Papers received on XXXX.
12/10/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78573	Web
XXXX XXXX XXXX along with Scott & Associates , P.C . ( XXXX XXXX ) are doing this here with me and numerous others in XXXX XXXX of Texas. Since the Pandemic was declared on XX/XX/2020, they have filed my lawsuits with the district court and other smaller small claims courts through the XXXX XXXX XXXX area in XXXX Texas. The Government, specifically CFPB, needs to intervene with these companies. Because people are too busy with other matters, they are succeeding and obtaining a full judgment from paperwork they bought for pennies on the dollar at the full balance they have been given by seller of those credit accounts regardless of the accuracy of those charges thus the totality of that balance could be inaccurate. I have not received proof of charges with signatures of mine nor credit account signatures for the breach of contract that has been claimed ; therefore, the complaint should be dismissed immediately.
07/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91745	Web
At the end of XX/XX/, I received from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX, a letter/statement naming me as a debtor and requesting to pay the balance in the sum of {$7000.00} The letter/statement shows the following information : Current Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX. Account Number Ending on XXXX Case Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX case number XXXX On XX/XX/, I responded with a letter disputing the validity of the debt. I also provided the Police Report with the number XXXX. Recently I received from XXXX XXXX XXXX a letter denying my dispute of the debts alleging that I am the person that requested the debt. They are now requesting the sum of {$9300.00} On XX/XX/, I responded with a letter affirming and disputing the validity of the debt. I also provided the Police Report number XXXX.
05/15/2020	Yes	Debt collection Credit card 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	TX 77045	Web
Scott & Associates on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX is suing me for a past debt from 2014 after the statute of limitations have expired and is in violation of the Fair Debt Collection Practices Act. They are also suing me in a state in which I do not permanently live or where the original debt occurred. After several attempts via email and phone, I spoke with a representative from Scott & Associates on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX notifying her that I was not acknowledging or accepting the debt, but wanted to save us both some time and effort by settling the debt outside of court as stated in the notice that was received because it was the start of the pandemic and feared going out in public. The representative declined my offer to settle. Emailed on : XX/XX/XXXX XX/XX/XXXX Spoke with representative : XX/XX/XXXX XX/XX/XXXX
10/06/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 950XX	Web
Continued unlicensed debt collection and harassment. XXXX is bankrupt and I'm in the process of foreclosing on them. The debt is fraudulent because XXXX commited fraud which was exposed by the collapse of XXXX and now XXXX is bankrupt. They are currently in default. I complained to the DFPI about their unlicensed debt collection activity previously. XXXX. XXXX of compliance sent me a letter acknowledging that they did not hold the required license and that I would receive no further communication from them. The XXXX said they closed the case as a result of that letter. I just received a letter from a separate debt collector who also did not have a license number. This is extreme harassment. I've had people break into my home twice as a result of the ongoing fraud that XXXX in involved in. Cease and desist. Stop contacting me. Pay me NOW! Stop making loans.
04/25/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 789XX	Web	Older American
Scott & Associates sent me a letter dated XX/XX/2021 stating they were a debt collector for XXXX. I sent them a cease and desist letter XX/XX/2021 certified mail XXXX XXXX XXXX XXXX XXXX which was delivered to them on XX/XX/2021. I received an inappropriate response from them dated XX/XX/2021 stating that they were verifying this account at my request. On XX/XX/2021 I received a Debt Citation that they filed on XX/XX/2021 in the JP Court of XXXX XXXX TX. They are in violation of the Fair Debt Collection Practices Act 805 ( ceasing communication ). They never advised me that they would cease collections, that that might take remedies or that they were taking remedies. I am sending them a letter advising that if they don't dismiss the suit, I will counter sue them for their violation of the Fair Debt Collection Practices Act.
11/10/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	SC 29209	Web
To whom it may concern, I XXXX XXXX are writing to you in reference to a charge off account with XXXX XXXX XXXX XXXX agency is Scott & Associates PC is reporting a collection amount of {$970.00} with a closing date of XX/XX/18. This debt exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
01/08/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	SC 295XX	Web
Improper Use of my consumer credit report This is a third party company trying to collect on a debt that does not belong to me, I am not obligated to pay the debt to this party, I dont have a contract with this company. VIOLATIONS violated my rights to Privacy15 USC 1692 15 USC 1681 Section 602A Ignoring my Demand to Cease And Desist all actions and communications concerning this company and all company 's under RESURGENT CAPITAL. These accounts have been sent to three different companies since I have demanded the stoppage of all actions as you will see attached below. Did not give me accurate time to dispute these accounts before adding them to my Consumer Credit report Dates are on the attachments to prove they had no intention of allowing me the right to dispute this account thus voiding my RIGHT TO PRIVACY
06/10/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19142	Web
Scott & Associates is an identified debt collector that obtain my nonpublic personal information without my consent through an nonaffiliated 3rd party source by the means of aggravated identity theft pursuant to 18 USC 1028A. They have contact me without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ) and violated numerous of provisions under the Fair Debt Collection Practices Act ( 15 USC 1692 ) ; Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 in their attempt to extort me. I REFUSE TO PAY SUCH ALLEGED DEBT and demanding Scott & Associatest to cease and desist communication through all mediums in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c ). SEE ATTACHMENTS
06/11/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78216	Web
I hired centery debit settlement service because I couldnt catch up my debit so far so good until it came to XXXX XXXX Card from 2016 they made a settlement offer I approved it and then received a document from a law firm referring to me as the defendant and they may realse a judgment and lein i have never been served or taken to court and have no judgment or lein that I can find any records of the document will falsely incriminate me so they can sue Ive tried to contact centery many times by email and phone and they will not even discuss the subject the phone number the law firm is a automated payment line the document is completely false I have more documents than I can upload let me know if you need more look at lines 6 and 7 and signature page all false And no one will return my calls on this matter
04/09/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	SC 293XX	Web
This company stated they were representing XXXX XXXX in attempt to collect an alleged debt that was not verified. This company made harassing calls and or written communications but not limited to.This company then illegally filed a lawsuit without ever having spoken with alleged consumer and then impersonated an officer of the law who spoke to believed associates concerning alleged debt.This company refused service for a complaint.This company willfully and purposely reported illegal inaccurate credit reporting and defamatory statements but not limited to on alleged consumers credit.This company failed to follow FCRA 609 as demanded 43 times by way of certified mail.REMOVE ANY AND ALL ILLEGAL INACCURATE CREDIT REPORTING AND ILLEGAL DEFAMATORY STATEMENTS, BUT NOT LIMITED TO, IMMEDIATELY.
10/17/2023	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	CA 950XX	Web
Re : file number XXXX ( scott and associates internal id ), received a paper letter on XXXX XXXXnforming me that they are investigating a fraud claim. Scott and Associates, Your client, XXXX is involved in fraud that was exposed to me by the collapse of XXXX. I have made your client aware of this fraud. Your client has failed to comprehend anything that I say to them, and has been harrassing me for nearly a year now. I am suffering an estimated XXXX XXXX usd per week in damages due to the fraud. I request that you stop harassing me or contacting me in anyway regarding this account, and I demand that you immediately return my bitcoin and compensate me for damages. I will not discuss the case any further with your client as it gives me a great deal of XXXX Figure it out.
10/10/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	VA 22030	Web
There was a wage garnishment placed against me which was granted by the courts in XXXX County, VA however no is able to provide me with a Notice of Service. I was not contacted about this matter, the address that is on the summons XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX which was provided to me by my employer is not my current address. I have not resided at the address on the summons in over 6 months. I did not know I had a court date nor did I know I had the opportunity to dispute this debt, my right was taken away from me. I am also the only one working in my household as my husband is currently battling XXXX XXXX and is unable to work. So this was a stressful shock and has/will effects us financially I am I the only one carrying the financial burden.
03/15/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
I received a lawsuit notice from XXXX XXXX about a debt to XXXX XXXX XXXX, i had no dealing with this company so I requested proof of ownership of dept. to figure out what it was it turns out i was a victim of identity theft and there was a dept open under my name with XXXX XXXX XXXX. After I requested the information about a month later i received a letter stating that i was no longer being sued. Since than things died down and I though it was over now come another lawsuit for the same debt i requested information multiple times certified mail and all and they refuse to provide me with any information they just keep pushing a lawsuit. I don't know what I should do i have court soon but these guys are refusing to provide me with any information
08/27/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75126	Web
There was not a box to list for Debt collectors that COME TO YOUR HOME WEEKLY AND SAY THEY ARE WITH THE COURT. Scott & Associates, PC- Have repeatedly had different people come to my home in very early morning hours, as well as late evenings. The people repeatedly ring the doorbell and knock on the door. They lie and say they are delivering package and have said I have been served as if they are an official government. The notice comes with a yellow paper that says " this can be resolved outside of court and contact us at XXXX. These collectors have come to my home 2-3 times a day in some cases. Today I was left a HUGE red folder taped to my front door along with the yellow paper. this has to stop This has been for myself and my husband as well
12/06/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TN 37355	Web
I currently work out of town, debt collector showed up in XXXX and asked if I was home and they said no he doesn't live here at the moment. Instead of calling my number or waiting until I return, Debt collector proceeds to hand them my summons to court papers and tells them I have to be at court over debt not paid. No covering of the papers to hide reasons for the court summons, it showed the amount I owed and court date. As they were told I was out of town and not living there at the time, mails my grandparents bills and other information to the point I had to call them and tell them ( after my grandparents explained I didn't live there at the time bc of work ) that I currently stay at a place out of town to stop sending personal mail there.
12/05/2017	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78240	Web
on XXXX/XXXX/XXXX I received 2 letters from XXXX XXXX XXXX, XXXX informing me that they were attempting to collect debt from two accounts currently held by the XXXX XXXX XXXX XXXX XXXX. These two loans were issues in XXXX and I have not made payments on either these accounts for quite some time ( 5+ years ), when they were previously held by XXXX XXXX XXXX . I found this article : https : //www.consumerfinance.govXXXX My understanding is that attempting to collect this debt either by the XXXX XXXX XXXX XXXX XXXX or a 3rd party is currently illegal. They are attempting to collect the following two accounts XXXX - {$10000.00} XXXX - {$3600.00} I have not taken any action at this time but I do plan on contacting a lawyer
04/29/2015	No	Credit card	Billing disputes	TX 76002	Web
On XXXX XXXX 2015 a representative from MICHAEL J SCOTT PC came to our house to serve us paperwork, first of all my neighbor saw them outside my home taking pictures of our house and automobiles!! this company has not contacted us to arrange any type of repayment plan to solve this situation, we are not saying that we dont owe the debt!! but its not what they are saying we owe, we havent received anything in the mail from them regarding the debt from XXXX XXXX, XXXX!! we are willing to pay the charges that we acrrued but not the balance they say we owe.If they can send us something in the mail in regards to repaying what we acrrued So that we can work toward getting this matter taken care of we would appreciate it.
08/04/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75126	Web
SCOTT & ASSOCIATES continue to harass and come and constantly have individuals come to my home on holidays, nights and multiple visits during the day. This is harassment and I have requested ALL COMMUNICATION BE DONE VIA MAIL. It does not make any sense for someone to come ring my doorbell while and impersonate as if they are delivering a package, I have had individual say they are from the courts only to be given a outdated document stating court for over a year ago. I DO NOT WANT ANYONE COMING TO DELIVER ANYTHING FROM THIS COMPANY THAT CAN BE SENT VIA MAIL. This is harassment and I want it to stop. I am gathering videos of each of these encounters that continue to happen after i have requested for it to stop.
08/06/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	TN 372XX	Web
I got this student loan through XXXX XXXX XXXX, not it is being handled by Scott & Parnell. My Grandmother got this loan for me to go to The Univeristy of XXXX in 2005. Since college I have barely been able to pay all of the bills I have because I ended up having to care for my elderly grandmother who became ill over the years. I have tried to negotiate with them, but they told me I have to pay the total amount up front. I could either do that or pay {$500.00} a month. Since I have not been working that is out of the question. I tried to neotiaate a payment years ago and they told me it was not negotiable. I believe that this loan is past the statute of limitation for suing me based on the paperwork I have.
10/26/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77584	Web
Today, my wife came home and a young man handed her a stack of legal documents and a open envelope. The documents included court papers, copies of my credit card bills, a citation, a petition - civil case, and an affadavit from XXXX XXXX. Additionally was an open envelope with a yellow piece of paper from XXXX XXXX XXXX indicating this to collect a debt. The young man advised my wife the papers were on the sidewalk outside our apartment. Im not sure how long this communication has been outside. My personal information was left outside wide opened detailing my personal information for a passerby to see. This has to be illegal to allow my private financial matters to be left outside in public view.
08/27/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75126	Web
Scott & Associates, PC- Have repeatedly had different people come to my home in very early morning hours, as well as late evenings. The people repeatedly ring the doorbell and knock on the door. They lie and say they are delivering package and have said I have been served as if they are an official government. The notice comes with a yellow paper that says " this can be resolved outside of court and contact us at XXXX. These collectors have come to my home 2-3 times a day in some cases. Today I was left a HUGE red folder taped to my front door along with the yellow paper. this has to stop This has been for myself and my husband as well.
10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77082	Web
I settled account with XXXX XXXX in XX/XX/2022 for {$3000.00}. I have received 2 settlement in full letters from Scott and Associates stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the XXXX XXXX is still reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have contacted XXXX XXXX ( refers me to XXXX ), XXXX ( doesnt return calls or answer phone ), & Scott & Associates ( stats that XXXX is responsible for reporting and they have sent receipt over ) multiples times and it has not been corrected.
01/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22556	Web	Servicemember
I filed a complaint with the federal government regarding identity theft that was related to this debt collector. I filed disputes with credit bureaus as well. I met with a lawyer representing this firm in XX/XX/XXXX as I had filed a motion to have this judgment set aside, and I followed up with a request to have the garnishment reversed. Despite my actions, the debt collection agency continued on and at one point stated I still owed them more funds. As of this date XX/XX/XXXX the credit insists I still owe them {$180.00} despite having over {$1000.00} garnished for my pay for a debt that was not mine nor did I authorize it.
10/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 75007	Web
The bureaus have me listed with multiple address that belong to my son. This is misleading and was done by the three bureaus and Michael J. Scott Attorney in XXXX Texas. He send multiple personal document to my so to publicly embarrassment and harass me.. My son contacted and forward legal and personal information sent to him in an attempt to embarrass me. The attorney knew my address well because he sent me the same documents at my actual address XXXX XXXX XXXX XXXX, XXXX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/26/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 78727	Web
I reached out to the company assigned in the XXXX XXXX XXXX to the receivership noted on the court filings and the receivership responded by stating their law firm has no record of my my case. I feel like the plantiff is makling a false statement. Furthermore, I have provided the 3rd party debt collector with my bankruptcy XXXX XXXX contact information and request they cease contact with me but they continue to send me legal filings. My attorney is no where to be found and have been thrown to the wolves to spend every waking hour researching law to defend myself. Please help me ... .... XXXX XXXX XXXX
01/09/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 78573	Web
XXXX XXXX XXXX has refused to supply any proof of any kind except to deliver a standard letter that the matter is under litigation. As a result of their unaudited practices ( nationwide ) by state and federal regulators, XXXX XXXX XXXX has filed and won ( mostly by default judgment ) hundreds of court cases here the XXXX Texas region with the aid of Scott & Associates , PC. Soon, those judgments will materialize in garnishment of peoples income and/or a lien on their bank account - unbeknownst to them right now during a Pandemic. PLEASE ACT AGAINST THESE COMPANIES.
01/23/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	VA 23111	Web
XXXX is the amount they are requesting plus fees according to associates with this law firm for a debt purchased by XXXX and handled by this law firm. Prior to purchase XXXX did not properly notify me of debt being purchased from credit XXXX, nor provided any hardship plans or repayment plans other than demanding XXXX plus fees in lawsuit for old debt The timeline for notification of this debt is them opening a lawsuit in XXXX and me finding out by looking on the XXXX court website. They made no effort to inform or work with me.
01/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 77338	Web
XX/XX/2020 I paid the debt collector, Scott & Associates , P.C . on behalf of XXXX {$1900.00} because they said they filed a law suit against me. I signed the agreement agreeing to the {$1900.00}. The debt collector said the suit would be dismissed and they would report the payment to the credit bureau. Since then nothing has happened. The case is still active and i do not see that the payment in full have been sent to the credit bureau. Companies involved : XXXX XXXX XXXX Scott & Associates , P.C .
08/20/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 76135	Web
Received a noticed on taped on a gate stating that we are being sued by XXXX XXXX XXXX XXXX. I do n't have a clue who this or what debt they are claim as it does not appear on my credit report. If they are attempting to collect as bulk debt perchaser they should have been made to send proof of the debt is owed by me. The documents they stuck to my gate even look fake and the note states that this does n't have to be settled in court to contact some shady law office of Scott, Parnell and Associates.
09/21/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 75134	Web
In XXXX of 1997 the Law Office of Michael J. Scott, P.C. filed an Abstract of Judgment against me for a XXXX XXXX credit card account debt that is not mine. I am currently a XXXX XXXX customer in 'good standing '. XXXX XXXX has n't informed me of this allegiant past debt and I have never had a XXXX XXXX account with a of {$2100.00} balance. The Law Office of Michael J. Scott P.C. in XXXX, Texas failed to accurately identify the person who owes this debt.
04/18/2019	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	VA 23464	Web
Scott Parnell and associates, claim I owe them a debt for a student loan from XXXX XXXX XXXX. They've frozen my bank accounts until the court date which is more than a month later. I have yet to receive a summons or any paperwork in regards to this issue from Scott Parnell and associates or the court system. I still offered to pay and settle the issue, and the claim they only accepted wire transfer for settlements. That it had to certified funds.
01/16/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78109	Web
A lady came to my home to serve me papers. She left them at my door. I got off work and responded the following day by contacting the courts as directed. According to the papers the address they had on file was my XXXX. I haven't lived there in over XXXX years. I have been residing in the state of Texas for 10 years. The courts directed me to contact the company, so I did. the company said to file this report so that is what i am doing now.
06/17/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 75217	Web
Scott, Parnell & Associates XXXX attempted to collect {$2400.00} and then sued me for this amount in small claims court. Then they offered to settle with me for {$2500.00}. At trial, they tried to collect {$2400.00}. They clearly violated the FDCPA and the Texas Finance Code by attempting to collect different amounts. Plus their actions, as attorneys, violated the statues by not paying attention to the lawsuit they filed against me.
02/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 750XX	Web
I received a notice on XX/XX/23 from SCOTT & ASSOCIATES P.C. that I owe them a debt. I have no contact with them, nor have I done business with them. I have sent notices to cease and desist and remove themselves as third party interloper/trespasser in my private affair, but they keep sending my notice and ignored my cease-and-desist notice. Attached to this case are all the communications between me and SCOTT & ASSOCIATES P.C.
10/15/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29910	Web
I received a summons and complaint about a debt that I owed to XXXX XXXX on a XXXX credit card. I called them and they didnt negotiate so I agreed to a payment agreement. Less than a week later, I get another summons and complaint stating they are going to try to sue me for a different acct owed to XXXX XXXX for an unpaid loan. How many times can I get sued by the same attorney, Scott and associates and same attorney.
08/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36830	Web
I filed a complaint against Scott & Associates and they hired/ moved the account ( for which I have no knowledge of ) to XXXX XXXX XXXX. I called the number in the letter received XX/XX/XXXX and they stated that they knew there was a cease and desist, but I could revoke it verbally. This debt is not mine. I have no knowledge of this debt and I am being harassed by mail. Please assist with making this stop.
11/30/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you instead of your attorney	CA 950XX	Web
I have asked them to stop at least 3 times but undoubtedly more. I have recordings of everything. They sent me another communication on XXXX XXXX I have attached a photo of the latest letter and recording of my phone call. I am a witness to a massive fraud, and this is another deliberate attempt by them to harass and intimidate me. contact XXXX and cromwell with communication. do NOT contact me.
04/15/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 75067	Web
XXXX XXXX XXXX XXXX keep harassing me and my daughter about a old debt from XX/XX/2004that was charged off by XXXX XXXX prior to that. This law firm keeps sending letters and calling stating " i will be arrested for not paying. '' Their address is XXXX XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX. XXXX. I looked at my credit reports from all 3 CRA 's and none list this outstanding debt.
11/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 785XX	Web
Started receiving notices about an unpaid debt from Scott & Associates. I had no knowledge of this debt and sent a verification of debt request in XX/XX/2019. I never received a response verifying the debt and the company continued to harass me and call about this debt. They have now filed a lawsuit for collection on a debt that is not mine. Claimed amount is {$2200.00}
06/08/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76133	Web	Older American
I AM BEING SUED BY SCOTT AND ASSOCIATES FOR A LOAN THAT WAS CLEAR IN BANKRUPTY IN XXXX THEY HAVE CHANGE THE DATE TO XXXX XXXX AND SAID I GOT THE MONEY IN XXXX WHEN I FILE I DIDNT BORROW ANY MORE MONEY FROM ANYONE. I DONT KNOW IF SOMEONE ELSE DID I KNOW I DIDNT.THE ONE WHO IS DOING THIS IS XXXX XXXX XXXX AS I SAID I HAVE NOT BORROW ANY MONEY SINCE MY BANKRUPTY
05/10/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 24501	Web
On XX/XX/2019 Scott and associates called, my fathers home, and ask for me. I do not live there. So my dad gave me the number. i called them and they ask for the last 4 of my ssn so they could identify it was me. So like an XXXX i gave them the last 4 only, of my ssn, then they claimed i was not the person they were looking for? I feel this is a scam.
05/30/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75503	Web
Michael J. Scott filed charges against me in the Justice Court several years ago. Judge XXXX XXXX was presiding and she dismissed the case after determining that it was not my debt. Now Michael J. Scott & Associates are once again trying to threaten and intimidate me trying to get me to pay the debt in the same case that Judge XXXX XXXX dismissed.
09/23/2019	Yes	Debt collection Private student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	VA 23227	Web
i requested a verification of debt from scott and associates. They sent in regular mail with bill of sale, acquisitions of accounts, including 48 social security numbers other people information on their interest owed and how much they have to pay as well. No attorney wants to touch i have went through two. they said i did not have any standing
12/23/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AL 35404	Web
On XX/XX/2020, the sheriffs department presented me with a letter stating my wages were being garnished due to an unpaid debt. I had no idea that I had been sued by this law firm, Scott and Associates in XXXX, Al. Also, I was not provided either ability to defend the suit in small claims court because I was never presented with such paperwork.
03/29/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PA 182XX	Web
I keep getting paperwork for a debt I have no idea about i never took out a loan in the amount of {$3700.00} i have no knowledge of this amount it is not mine. I could never get a loan and want to know what this is for. They keep sending me these notices I have no idea about show me what this is for and what amount this if what i applied for.
02/25/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 75238	Web	Servicemember
Today, XX/XX/2020, at about XXXX XXXX CST, a representative from Scott & Associates came to our home residence at XXXX XXXX XXXX XXXX, XXXX TX, ,XXXX, ' asking for XXXX XXXX stating he has there to collect a debt and service a legal notice for legal action. He was very threatening to my wife who was home alone. We have XXXX video as proof.
12/18/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 76180	Web
Contacted by company on several occasions. Ive responded to every letter with specifics regarding the Identity theft, fraud, and police reporting. Now they threaten to sue for debt thats not mine. We will personally visit their office in XXXX and talk to XXXX himself if need be. counter suit will be filed if they proceed with this harassment
06/13/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29341	Web
The company has published false information to all three credit reporting agencies. I requested for validation, they are unable to provide me with a contract or anything with my signature to show I am the owner of the account. The are charging/request {$710.00} for the account. However, the bill the bill that they sent to me is for {$300.00}
10/18/2017	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SC 293XX	Web
This company has hand mailed me 2 letters within the month now and these are n't regular collection notices, these are " court order '' documents with my name and address on them but no other information such as a judge or his signature on the document and also..no notary stamped anywhere. They have threatened to garnish my wages also.
10/13/2020	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	VA 232XX	Web
I have been instructed by XXXX XXXX of XXXX to file this complaint. Please see case # XXXX, the representing firm for XXXX XXXX XXXX XXXX XXXX had no knowledge or information concerning this debt. Scott & Associates PC are claiming to represent XXXX XXXX XXXX XXXX XXXX and are seeking collections costs for a previous debt company.
07/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 756XX	Web	Older American
I'm being sued by a company for a past due card debt that I'm unaware of and was impossible for me to have charged these fee 's. I moved to XXXX early XX/XX/XXXX now its XXXX. The charges was made in middle an end of XXXX. I'm asking for my name be removed from this debt due to fraudulent charges made with my name.
04/19/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AL 352XX	Web
In accordance with the Fair Credit Reporting act Scotts & Associates File # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
08/14/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 752XX	Web
I have contacted this company three times. They continue to call and send letters stating the debt is mines. I have told them debt is not mines. But they continue to send a computer generated bill from the actual creditor. They are also contacting me claiming to be an attorneys office which is against the law.
06/10/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 372XX	Web
collector calling my job when advised not to. was told again XXXX/XXXX/16 not to call called again on XXXX/XXXX/16. I also left them my cell number to call me back, I have no clue what this is about. They will not call my cell just calling my work and will not identify what this is all about
02/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 20110	Web
Scotts & Associates, PC is stating that I owe a debt to XXXX XXXX XXXX in the amount of XXXX. I was originally threatened by XXXX XXXX to pay for a debt I later realized was not actually mine. XXXX XXXX removed this item from my credit and stopped collections on this account.
02/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 242XX	Web
Scott & Associates has levied my bank account for the debt of my children 's Mom. I will pay for her if they will release the funds. My Dad has XXXX XX/XX/XXXX, so this is an emergency. If they do not release, she has already agreed with me to file ch XXXX bankruptcy.XXXX
04/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 363XX	Web
The recorded caller does n't identify who they are with. The recording gives a name that I do n't understand but does n't sound like our name. A XXXX of the # reveals XXXX XXXX XXXX XXXX. This happens XXXX a day, every day. It rings XXXX times and stops. I 'm tired of it.
12/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76180	Web
Contacted by company on several occasions. Ive responded to every letter with specifics regarding the Identity theft, fraud, and police reporting. Now they threaten to sue. We will personally visit their office in XXXX and talk to XXXX himself if need be.
09/07/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20772	Web	Servicemember
The first letter received was dated XXXX XXXX, XXXX. It was from a michael scott law offices on Texas. They are representing XXXX XXXX which supposedly bought my XXXX XXXX account.They claim my debt is XXXX but they will settle for XXXX at XXXX a month.
01/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 35126	Web	Servicemember
XXXX still showing as not paid when my checks were garnished in XXXX and is paid in full. When I talked to someone at the office they are waiting for the courts to release this. This is seriously impacting my credit especially since the debt was paid.
02/19/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78413	Web
Repeated harassment and home visits from Scott & AssociateXXXX who handle old bad debt. Send them a cease and desist letter on XX/XX/2019 and today they sent someone to my home violating this cease and desist to serve with bad debt papers.
03/04/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	VA 24018	Web	Older American
I tried very diligently to settle and or honor the debt but they refuse the amount. I'M { XXXX } years of age, I'm on a fixed monthly income, I relinquished an of {$25.00} which is the limited amount my finances will allow me.
06/24/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 75217	Web
the law office of Michael J. Scott filed motions in court in a small claims case, where another attorney was involved in suing me. Michael J. Scott has a different bond number that that of the attorney suing me.
11/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75010	Web
This is the law firm attached to a debt collection attempt from XXXX. they are attempting to sue for an amount to XXXX that is wrongfully owed. Threat of garnishment and unreasonable payment arrangments.
07/05/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 94928	Web	Older American
This is a continuation of my prior complaint : Complaint ID XXXX I received additional documentation for what seems to be a new lawsuit and debt for which they are ostensibly trying to collect.
09/29/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 77469	Web
I got a letter that says I owe on a credit card from 2009. It says the got a judgement against me and can renew the judgement, file an Abstract of Judgement, and freeze money in my account.
05/12/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	SC 291XX	Web
XXXX XXXX XXXX XXXX is send me collection papers representing themselves as Scott & Associates PC. They have yet yo prove I owe the debt, but they are sending letters from an attorney.
07/22/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75119	Web
a person representing this company, came to my home .Trespassed and handed me a notice that they were suing me for breach of contract of a credit card in a XXXX court.
12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75243	Web
There is a banking account that I do not recognize with XXXX XXXX and now I am being sued because of it. Someone has used my information to open this account.
01/09/2016	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 78613	Web	Older American, Servicemember
hi, scott, parnell & associates has threaten to sent an undisclosed agent harassing me at all time of day and night. the bill was closed
02/26/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75061	Web
Have recently received a Judgement warning for a charged off debt and has threatened to garnish bank account.
01/11/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TX 77084	Web	Older American
Received a phone message from Scott & Associates P.C with obscene and profane language. Made a picture of it
03/14/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77469	Web
They have repeatedly sent me attempts to collect a debt that is over 20 years old
01/10/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NV 891XX	Web

12/22/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 77014	Web

12/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77384	Web

12/17/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	TN 384XX	Web

12/14/2023	No	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	TN XXXXX	Web

11/18/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 773XX	Web

11/18/2023	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	TX 773XX	Web

11/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27511	Postal mail

11/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75040	Web

11/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75040	Web

11/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75040	Web

10/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91615	Web

08/18/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 77079	Web

08/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76310	Web

07/23/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77389	Web

07/19/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 94522	Web

07/09/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75231	Web

07/06/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77084	Web

06/15/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	VA 22901	Phone

05/23/2023	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	TX 75126	Web

05/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75032	Web

05/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78258	Web	Servicemember

02/25/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 76017	Web

02/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 35810	Web

01/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76182	Phone

12/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37031	Web	Servicemember

12/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75071	Web

11/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75056	Web

11/11/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	VA 22306	Web

10/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web

10/17/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 76307	Phone

09/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

08/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 76120	Web

06/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37128	Web

04/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29907	Referral

03/31/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	VA 23901	Web

03/02/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29715	Web

02/04/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	SC 29072	Web

11/29/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77095	Web

11/03/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 76801	Web

08/31/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29906	Web

07/21/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77511	Web

07/14/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 22485	Web

04/28/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AL 35020	Web	Older American, Servicemember

04/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	VA 23860	Web

04/20/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	SC 29680	Web

04/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77035	Fax

04/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36854	Web

03/24/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75201	Web

03/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78754	Web

02/27/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	PA 18641	Web

02/24/2021	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	VA 23234	Web

02/05/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 79936	Web

01/08/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 779XX	Web

12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29566	Web

12/02/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75238	Web	Servicemember

11/04/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76008	Web	Servicemember

09/29/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75007	Phone

09/07/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	VA 22191	Web	Servicemember

06/29/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78258	Web	Servicemember

05/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77373	Web

03/30/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75231	Fax

03/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78258	Web	Servicemember

03/11/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 36117	Referral

02/13/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 10166	Fax

02/04/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 78574	Web

01/20/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 78574	Web

01/03/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75231	Fax

12/16/2019	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit		Phone

12/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77583	Web

10/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29325	Web

10/19/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 12524	Web

09/21/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29410	Fax

09/13/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77077	Web	Servicemember

08/24/2019	Yes	Debt collection Auto 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	NC 27850	Web

08/06/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29841	Web

07/08/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	PA 17601	Phone

06/24/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78213	Web

06/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78041	Web	Older American, Servicemember

04/01/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 75211	Web

03/31/2019	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	TX 75007	Web

03/26/2019	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 75692	Web

01/28/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 78577	Web

12/31/2018	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	TX 78132	Web

11/26/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours		Phone

11/06/2018	Yes	Debt collection Other 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		Phone

10/03/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77316	Web	Servicemember

09/26/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 23222	Web

08/09/2018	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	VA 23060	Web

08/03/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	VA 22485	Fax

05/22/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77845	Web

03/12/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77479	Web

03/08/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 20716	Fax

03/02/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 78259	Web

01/19/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 24153	Web

10/14/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 23883	Web

09/18/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75007	Web

08/18/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77449	Phone

07/25/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77035	Referral

05/24/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TX 75462	Postal mail

05/08/2017	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	PA 19026	Web

05/03/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76692	Postal mail

04/03/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 12304	Web

01/31/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 78045	Web

01/19/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TX 77502	Postal mail

12/14/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	VA 22508	Web

08/27/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 77080	Web	Servicemember

06/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77006	Web

09/30/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	TX 77433	Web

09/01/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	FL 32173	Web

08/11/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76117	Phone	Older American

08/11/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	UT 84341	Phone

06/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22101	Web

06/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 35811	Web

03/20/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 75232	Fax

02/26/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 75212	Web

02/18/2015	Yes	Credit card	Forbearance / Workout plans	TX 79423	Web	Older American

02/17/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77087	Phone

01/07/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	AL 35401	Web	Servicemember

01/05/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MS 38614	Fax

12/31/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	TX 76002	Web

11/27/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 75043	Web

11/19/2014	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	TX 76706	Web

11/12/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77433	Web

11/01/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 76706	Web

10/19/2014	Yes	Debt collection Credit card	False statements or representation Indicated shouldn't respond to lawsuit	TX 79423	Web	Older American, Servicemember

09/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	TX 77521	Web

09/03/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	TX 78041	Web

08/02/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 79412	Web

07/16/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MS 39083	Web

07/15/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	TX 77063	Web

07/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76226	Web

06/13/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	TN 37601	Web

05/20/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	TX 75062	Web

05/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	TX 78202	Web

05/13/2014	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	TX 78230	Web	Servicemember

05/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	TX 78210	Web

03/13/2014	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	TX 77494	Web

02/17/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 75007	Web	Servicemember

12/19/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	TX 78681	Web

12/04/2013	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 77215	Web

08/12/2013	No	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 76017	Web

08/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75089	Web