Lazega & Johanson LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
09/22/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30045
Web
THIS SERVES AS A COMPLAINT REGARDING THE RESPONSE TO CFPB COMPLAINT XXXX. PLEASE NOTE THE INFORMATION PROVIDED TO YOU IS TOTALLY INCORRECT AN THE SUBMITTED LIED REGARDING DOCUMENTS AND OTHER. THE REASON WHY THIS INDIVIDUAL IS ATTEMPTING TO COVER IS RELATED TO THE BUILDER/INVESTOR OF THE OF THE SUBDIVISION, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS RELATED TO XXXX AND XXXX XXXX XXXX IN XXXX GEORGIA XXXX THEY ARE THE LEGAL ENTITIY FOR XXXX AT XXXX XXXX XXXX. IF YOU CAN RECALL THIS WAS THE PREVIOUS LOCATION OF MY AGENCIES, WHICH ALL PARTIES NAMED AND OTHERS, APPEARED TO HAVE EMBEZZLED MONEY AND COMMITTED ADDITIONAL ILLEGAL ACTS TO INCLUDE POSSIBLY PARTICIPATING IN THE SBA SCAM. I WAS THROWN OUT ON THE STREET AND OUT OF MY BUILDING ILLEGALLY CITING DEFAULT, WHICH WAS INCORRECT. AS JUDGES AND ATTORNIES WERE PAID OFF BY INDIVIDUALS IN THE US BRC OF NORTHERN GEORGIA. XXXX AT IT'S FINEST! SPEAKING OF THE XXXX XXXX XXXX FILED TWO CLAIMS WITHIN MY XXXX CASE AND DOUBLED THE AMOUNT. I SUBMITTED A LETTER OF INTENT TO COMMIT FRAUD IN RFERENCE TO XXXX AND THE XXXX JUDGE DISMISSED IT BECAUSE, HE IS THE ATTORNEY, WHO IS LINKED TO THE SUBDIVISION HOA. IN OTHER WORDS THE ENTERPRISE HAD A GOAL OF BANKRUPTING MYSELF AND SPOUSE IN ORDER TO FORCE US OUT OF XXXX HLD IN ORDER TO COVER THE MORTGAGE FRAUD, WHICH IS CONNECTED TO THE HOME. WE KNOW XXXX IS WORKING WITH XXXX XXXX XXXX TO ASSIST IN BUILDING A CASE FOR NON-JUDICIAL FORECLOSURE, AT THIS POINT WE WOULD RECOMMEND TAKING THE RIGHT SIDE. GIVEN THE EVIDENCE AT HAND AND AS STATED, WE WILL ENSURE ALL INVOLVED ARE CHARGED! THE ATTACHED DOCUMENTATION IS JUST A SAMPLE. YES, ALL DOCUMENTS ARE AUTHENTICATED AND LOCATED IN SEVERAL LOCATIONS. BASED ON RETRIEVED DOCUMENTS IT IS VERY EASY TO IDENTIFY WHICH INDIVIDUAL CAPITALIZED FROM THE FRAUD, THE CLOSING ATTORNEY XXXX XXXX WAS NOT IN THE FRAUD BUSINESS BY HIMSELF. HE IS CURRENTLY SERVING 15 YEARS. HIS FIRMED WAS THE PRIMARY CLOSING ATTORNEY ON THE HOME LOCATED IN THE DOWNS. ATTACHMENTS : 1. PROOF OF XXXX XXXX AND XXXX XXXX FOR THE DOWNS PRIOR TO L AND J 2. CERTIFIED MAIL CARD OF RECEIPT OF PAYMENT BY A, T AND XXXX XXXX PAID XX/XX/XXXX XXXX. PROOF OF XXXX FILING 2 XXXX CLAIMS IN XXXX XXXX 'S XXXX XXXX XXXX PART I -LETTER AND DOWNS BYLAWS ETC AND INSTRUCTIONS TO OWNERS REGARDING SIGNING, PLEASE NOTE MANY OF THE SIGNATURES APPEARED FORGED AND PLEASE NOTE THERE APPEAR TO BE SEVERAL DIFFERENT PAIRS OF WITNESSES AND NOTARIES WHO ARE THE SAME INDIVIDUALS. 5. PART 2-SIGNATURES ( NOT VALID DUE TO REQUIREMENTS AND NOTARY FORMAT ) 6. PART 3-SIGNATURES ( NOT VALID DUE TO REQUIREMENTS AND NOTARY FORMAT ) 7. THE DOWNS BALANCE SHEET 8. XXXX XXXX WAS APPARRENTLY TIPPED OFF BY POSSIBLY XXXX AND XXXX THERE WOULD BE A BANKRUPTCY FILING GIVEN MY BUSINESS PARTNER APPEARED TO HAVE COMMITTED EMBEZZLEMENT AND OTHER WHO WERE IN ON IT KEPT XXXX ABREAST. HE WANTED TO ENSURE THE XXXX FILING WAS COMPLETED IN ORDER TO ASSERT HIS PART AND CAUSE MORE INJURY. XXXX. LETTER FROM GA COMMUNITY MANAGEMENT STATING BALANCE WAS XXXX ON XXXX XXXX XXXX XXXX FROM GA COMMUNITY MANAGMENT STATING BALANCE WAS XXXX ON XXXX XXXX XXXX WAS A VIOLATION OF STAY DUE TO XXXX BEING FILED XXXX XXXX XXXX. LETTER ORDER STAY BY XXXX XXXX XXXX ON XXXX XXXX DUE TO BEING NOTIFIED XXXX FORGED HER SIGNATURE. SHE ISSUED THE ORDER. 12. XXXX ATTEMPTED TO BACKDATE A STAY ORDER, WHICH IS ISSUED BY A JUDGE ONLY. NOTICED IT'S NOT RECORDED. ISSUED XXXX 13.LETTER FROM BG REGARDING PAYING ONLINE 14.LEDGER SENT BY XXXX XXXX XXXX XXXX XXXX PAID TO L AND J XXXX XXXX XXXX. L AND J PAYMENTS FOR XXXX NOT CREDITED 17. LETTER FROM XXXX XXXX INDICATION OWING XXXX 18.PAYMENT RECEIPT EVEN FOR XXXX FOR THE DOWNS HOA XXXX HOA PAYMENT FOR XXXX FINAL PAYMENT AS THE RESULT OF THE LAST AMOUNT SENT XXXX ( THESE PAYMENTS WERE EMAIL TO XXXX XXXX WITH UPDATED SPREADSHEETS AND EVIDENCE OF PAYMENTS DUE TO NOT RECEIVING ANY RECEIPTS AFTER EACH PAYMENT WA MADE. ) XXXX XXXX XXXX XXXX ( THE DOWNS ) PAYMENT DATE LAST 4 DIGITS OF CONFIRM FORM VIA XXXX XXXX XXXX CC XXXX XXXX XXXX XXXX CC XXXX XXXX XXXX XXXX CC XXXX XXXX XXXX XXXX CC XXXX XXXX XXXX XXXX CC XXXX XXXX XXXX XXXX CC XXXX XXXX XXXX CC XXXX XXXX XXXX CC XXXX XXXX XXXX CC XXXX XXXX XXXX XXXX CC XXXX XXXX XXXX CC XXXX REMAINING XXXX XXXX XXXX XXXX CC XXXX XXXX XXXX CC XXXX XXXX XXXX XXXX CC XXXX
01/06/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30265
Web
After Months of back and forth communication - applications unanswered and letter from Attorney denying application after expiration date to respond and XXXX & XXXX states it is to be deemed approved. I was harassed and bullied by Board Member XXXX XXXX and Attorney XXXX XXXX of collection agency LAZEGA AND JOHANNSON XXXX Letter from LAZEGA AND JOHANNSON- Claiming modifications made without application threatening fees. XXXX-CONVERSATION WITH XXXX XXXX received letter from law firm denying application that was already approved 1. verbally confirmed on the zoom call with the Board 2. by default according the the architecutual review standards of the XXXX & XXXX 's no reply after 14 days XXXX called attorney to express surprise at his letter. Explained that all was approved and received by the HOA 3 times prior. Asked for appeal. XXXXFOLLOW UP TO HOA ATTY CONCERNING " HEARING - NO COMMUNICATION FROM THE BOARD XXXXNotice of Hearing for XX/XX/XXXX XXXX XXXX Cussed at by XXXX XXXX ( Board member ) Told i could not ask questions to the board and verbally XXXX by XXXX XXXX. This was not a " hearing '' it was a dictatorship of verbal abuse laughing at me on the zoom call as I pleased with them to review the proof I had that I was not in violation and not make excessive demands to remove dirt and rocks that were preexisting in storm water area. I could not walk and was pending XXXX. XX/XX/XXXX -letter in response to XXXX reply of hearing results. XXXXEMAIL WITH HEARING RESULTS- DEMANDS after follow up letter sent on the XXXX. XXXX EMAIL AND ATTACHMENT OF PICTURES AND PROOF TO THE BOARD AND ATTY THAT THEIR DEMANDS WERE MET. XXXX Attachment to Reply- Email with photo proof of all violations corrected PDF XXXX ATTACHMENT TO EMAIL XX/XX/XXXX Letter from XXXX XXXX at LAZEGA AND JOHANNSON . Making new claims and demands, threatening fees and fines. Stated I had 30 days to reply. XXXX-RECIEPT OF FEE PAID TO ATTY FOR DEMANDLETTER RESPONSE TO ATTY XXXX XXXX XX/XX/XXXX Communication sent to XXXX XXXX from XXXX XXXX " Please be advised that this office represents XXXX XXXX XXXX in the above captioned manner . On or about XX/XX/XXXX XXXX XXXX received a letter from your office, dated XX/XX/XXXX. We will be providing a response to that letter early next week. It is our understanding that XXXX XXXX has a 30 day period to respond to this request, but in light of her retention of our firm, we are informally requesting additional time. '' XXXX XXXX XXXX and replied with a demand letter and disputed all claims. Demand letter sent to LAZEGA AND JOHANNSONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I understood that they had 5 days to reply under debt collection practices. I also understand that I dispute the debt ( which I did ) in writing within 30 days the debt collector must stop collection until it provides you verification of the debt. XXXX account blocked to pay annual dues by XXXX . ( Auto pay was already set up so dues were automatically taken out of account. XXXX XXXX XXXX dues taken from XXXX XXXX Account account to pay annual dues for XXXXAccount number XXXX. Has autp deducted every year since. - waiting for XXXX. Still no account access to date. No communication from HOA or LAZEGA AND JOHANNSON until 6 months later... XXXX-ANSWER FROM LAZEGA AND JOHANSON 1. I was served at my home a lawsuit which also included an answer to the demand letter sent 6 months earlier with excessive fees and false claims of missing assessments. 2. They refuseed to provide any of the documentation requested in the demand letter aforded by right in member contracted agreement ( Articles, XXXX & XXXX 's and XXXX. 2. A Lawsuit was filed by LAZEGA AND JOHNASON. 3. This communication did not include an itemized bill as promised in notice from LAZEGA AND JOHNASON on XX/XX/XXXX that was answered by my Attorney. 4.Flase and INVALID FALSE CHARGES TOTALING OVER XXXX. Counter suit was immediately filed. XXXX HOA has retained a different law firm to represent them. They have been trying to change the XXXX XXXX XXXX XXXX XXXX by bullying and lying to memebrs so they can try and lein my home with these bogus charges.
06/13/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30024
Web
I would like to make a complaint about attorneys : XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX. They represent XXXX I am a member of : XXXX XXXX XXXX XXXX in XXXX. XXXX XXXX and XXXX XXXX XXXX from Lazega & Johanson LLC failed to comply with the requirements of Fair Debt Collection Practices Act. Debt collectors may not use any false, deceptive, or misleading representation or means in connection with the collection, including falsely representing the character, amount, or legal status of any debt. 15 U.S.C. 1692e ( 2 ) ( A ). Debt collectors are also prohibited from using any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Id. XXXX ( XXXX ). In XX/XX/2023, as every year, I deposited {$2800.00} in my XXXX account. The same month, XXXX gave me a citation and a fine of {$600.00} for breaking non existing rules- alleged XXXX ( I have already filed a lawsuit about XXXX regarding that issue ). Our XXXX hired a law firm Lazega & Johanson LLC for debt collection. Instead of sending me a proper debt letter asking for the payment, XXXX simply deducted {$600.00} from my XXXX account on XX/XX/2023. They did it without my knowledge, without my consent, without a court order. I have not received proper validation information as required by debt collector. At that time I was not aware what they did was illegal, XXXX attorneys XXXX XXXX and XXXX XXXX XXXX made every effort possible to confuse me even more instead of properly conduct the debt collection as required by FDCPA. Attorney XXXX XXXX and XXXX XXXX XXXX from Lazega & Johanson LLC sent me multiple misleading, abusive and intimidating emails stating my member privileges were automatically suspended because of delinquency on my account. I emailed XXXX XXXX and XXXX XXXX XXXX on XX/XX/2023 a financial statement showing that my account was never delinquent. XXXX XXXX and XXXX XXXX XXXX attempted to convince me that if I do not give them permission to apply {$600.00} to my account, I will be still delinquent, and the suspension of my members privileges will be fully justified. I explained again that the {$600.00} was already withdrawn from my account long time ago on XX/XX/XXXX, nobody ever asked me for any authorization back then to withdraw that money, my account was never at any point of time delinquent, there was no need to apply additional {$600.00} to pay for the fine.. On XX/XX/XXXX, I asked if my members privileges were still suspended, XXXX XXXX emailed me back and blatantly lied to me by saying that per our recent email conversation I gave them authorization to apply {$600.00} to my account. I never said at any point I gave authorization to anyone to do anything, {$600.00} was deducted XXXX months earlier from my account by HOA without my permission. Summary : XXXX XXXX and XXXX XXXX XXXX created a false scenario in which they attempted to convince me that {$600.00} was not withdrawn ( when it fact it was on XX/XX/2023 ), lied to me that I was delinquent in my XXXX account as of XX/XX/2023, threatened me with negative action that my resident privileges will be suspended if I do not pay {$600.00} ( even though they already withdrew {$600.00} XX/XX/2023 without my permission and my knowledge ), they never sent me a proper validation information as required by debt collector. The statements they made were false, misleading, they blatantly lied. XXXX XXXX and XXXX XXXX XXXX conduct was dishonest, bully, manipulative, unethical and unprofessional. I have attached emails between me and XXXX XXXX and XXXX XXXX XXXX, I also a financial XXXX statement showing my account was never delinquent. A satisfactory solution would be to stop this Law firm from conducting business in Ga, I am not the first person who has filed a complaint against them for violating Fair Debt Collection Practices Act, there are many people who filed lawsuits against them for their blatant violations of FDCPA. ( I made an error in some emails referring to XX/XX/XXXX {$600.00} withdrawal, when it was actually on XX/XX/2023. )
12/13/2016 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • GA
  • 30294
Web
My daughter and I signed for XXXX private student loans ; the biggest mistake of our lives. We currently have XXXX of the XXXX loans still in-house and in good standing with XXXX. Our problem started when the first set of loans were due. We paid each month, on time, the full amount requested. We continued this payment process for the first 6 months - 9 months and suddenly, one day, we received a notification from XXXX stating that we had defaulted on some of the loans. I was n't concern, because I knew we paid our loans, this had to be a mistake and that our payment must have been misapplied. This was very shocking as we NEVER received a past due notification, and each month we logged online to make the payment in full, no loans were showing past due, ever. After contacting XXXX, they informed us that we should have been specifying how to apply the " Full Payment '' made ; therefore, all of the 'Full Payment ' made were applied to the loans at their discretion. We were new to paying loans and thought if we were paying the full amount requested, that it would apply appropriately. At this point, the amount that XXXX was indicating that we were behind, was more than we could pay and just like that, the loans defaulted and sent out on what we call 'goose chase ' collection agencies. These XXXX loans bounced among different collection agencies, making it very difficult to lock in on any type of commitment with these agencies. When we finally got the chance to communicate with XXXX of the collection agencies, they requested unrealistic payment amounts, asking for the full amount/and or very large monthly amounts, that we could not commit to paying. At one point, we did not even know who had the loans and each time we reached out to XXXX to find out the status of these loans, they were not able to provide us with any information. We were treated unfairly in reference to the XXXX loans I 'm writing about, loans purposely placed in default, knowing that we made the full amount to cover these loans. In a nutshell, the XXXX loans finally landed with a Law Firm who immediately filed a law suit against my daughter and me XX/XX/2016, no phone call, mail, or any form of contact, other than being served through the courts. We had our Prepaid Legal Service to call and send a letter to them asking for a payment arrangement on the first loan to prevent from going to court and judgement placed. As of today, they never got back with them regarding any type of arrangement. The same firm then sent the XXXX loan to court. I reach back out to our Legal Service and was assigned someone else to handle that one and they did the same thing, called and sent a letter to work our a payment arrangement. We sent a proposal on what we could do as well on the XXXX loan, the lawyer handling that one did respond ; however, they would not accept that proposal and asked for double the amount that we informed that we could pay, due to the other XXXX loans that we are currently paying. We offered to pay $ XXXX monthly, until our finances get better, they said {$500.00}, for one loan. This firm is the only one that would not work with us and was so eager to sent to the courts to final judgement against us. We are struggling, but we make payments on all other loans, and have made some of these as well, online just to show good faith. We are only asking to be allowed to make payment arrangements on these XXXX loans like we have been granted to do on all other loans we currently have. We have not been treated fairly by this Law Firm and we feel like we are wrestling with very knowledgeable giants and absolutely powerless when it comes to fairness and knowing our rights as consumers.
01/10/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30024
Web
Lazega & Johanson LLC is a company I don't know. I got a Police Report ( prev # XXXX Theft by Trespassing ) # XXXX ( Theft by Taking ) and FTC report # XXXX ( Identity Theft ) where I discovered the alleged debt accounts, judgment and lien on XXXX County without my notification nor any acknowledge. And they even attempted to take out money from my personal bank account on middle of no time, especially holiday times. I have sent this company my Police Report and request the verification of the alleged debt is mine on XX/XX/2019. Of course, they ignored my request by today. I have never done any business with this company, I don't owe any money to this company, I have never gotten any products, agreement, or anything with this company nor given permission to access my bank account to be pulled out money with this company. They made forgery document in court and surprisingly got a default judgment ( I could not response because I did not get public serve or any knowledge until they sent me a default judgment ). Illegal judgment made access my personal bank account and stole money as exactly as a rubber. ( once a fraud, forever a fraud. XXXX XXXX ) This debt collector named Lazega & Johanson LLC include XXXX XXXX XXXX and XXXX XXXX XXXX are unscrupulous and the law firm engages in trickery and extremely cunning, crafty fraud to bring serious white criminal. I saw 49 complaint against Lazega & Johanson LLC even this site on todays date. I am very doubtful whether they are in right response which is seriously take over the complaint and solved the issues. 1. I want CFPB review their illegal forgery all documents and let Lazega & Johanson LLC stop criminal activities and return my money back immediately. 2. Lazega & Johanson LLC made {$4400.00} forgery judgment against me and attempted take out from my bank {$5300.00} plus {$5200.00} plus {$4400.00} without taking a breath. 3. Request Cancellation of Judgement and Lien against me instantly 4. Otherwise I will claim against them monetary damage and misusage of my name 5. And Public notification 6. Bring all unscrupulous individual to Federal court Criminal Trespassing definition is not only included real estate property, but also constituent property included monetary property. Crime Classifications, Sentences, and Penalties ( Georgia Code 16-7-21, et seq. ) Criminal Damage to Property, 1st Degree : Felony ; 1 to 10 yrs. in prison, plus fine. Criminal Damage to Property, 2nd Degree : Felony ; 1 to 5 yrs. in prison, plus fine. Criminal Trespass : Misdemeanor ; up to 1 yr. in jail, plus fine. Attached 1. Police Report 2. FTC Report 3. Criminal Trespassing Law in GA Definition, Sentences and Penalties 4. XXXX XXXX XXXX Lazega & Johanson LLC Corporation XXXX
10/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • GA
  • 30045
Web
I AM REQUESTING A LIST OF ALL UPDATED PAYMENTS MADE TO THE DOWNS HOA SINCE XXXX. PLEASE NOTE A REQUEST WAS SENT TO THE LAWFIRM OF XXXX AND XXXX WHO COLLECTED THE YEARLY HOA FEE, PRIOR BUT, DID NOT TRANSFER THE PAYMENT ( S ) TO LAZEGA AND JOHANSON. ALSO, IT APPEARS THE REPRESENTING LEGAL COUNSEL, XXXX XXXX FILED TWO CLAIMS INTO MY SPOUSE 'S XXXX XXXX. I AM REQUESTING A PRINT OUT OF ALL DUES PAID BEGINNING XXXX TO CURRENT. ALL PAYMENTS ARE CURRENT HOWEVER, A COPY FROM THE ABOVE LAWFIRM IS REQUIRED. IN ADDITION, I HAVE ATTACHED THE INVALID SIGNATURE PAGES OF THE RESIDENTS OF THE DOWNS SUBDIVISION LOCATED IN XXXX GA. THIS REQUEST PERTAINS TO XXXX XXXX XXXX XXXX WHICH WAS ABANDONED BY THE XXXX TRUSTEE. THERE APPEARS TO BE A SOCIAL RELATIONSHIP AMONGST THE TRUSTEE AND REPRESENTING LEGAL COUNSEL. ATTACHED SIGNATURES WERE SUBMITTED AS SUPPORTING DOCUMENTATION FOR A NON-JUDICIAL FORECLOSURE IN THE YEAR OF XXXX. THIS LEGAL CLAIM WAS BASED ON STATED HOA DUES WERE LATE. PREVIOUS PAYMENTS TO XXXX AND XXXX XXXX SHOULD HAVE BEEN TRANSFERRED OVER TO THE NEW ATTENDING LAWFIRM. THIS WAS CONCERN WAS DOCUMENTED. THE INDIVIDUAL BY THE NAME OF XXXX XXXX WHO WAS AN EMPLOYEE OF XXXX AND XXXX WAS ALSO EMPLOYED BY XXXX AND XXXX WHO ARE BANKRUPTCY ATTORNEYS IN THE XXXX BRC NORTHERN GA. IT IS VERY OBVIOUS THE APPEARED CONNECTION. FURTHERMORE, SUBMITTED WITNESS SIGNATURES WERE SIGNED BY 3 TO 4 SAME INDIVIDUALS AND 2 TO 4 NOTARIES. A COUPLE DID NOT EVEN RESIDE IN XXXX XXXX PER THE GUIDELINES. IN ADDITION, THE NOTARY DID NOT PROVIDE THE A DATE PERTAINING TO THE WITNESSING OF THE WITNESS SIGNATURE. SO, IT IS VERY OBVIOUS RETAILIATION WAS TAKING PLACE AT THE TIME OF FILING WITHIN THE XXXX XXXX COURT FOR THE PURPOSE OF RETRIEVEING XXXX HLD. QUESTION : WHO STOLED THE PAYMENTS SUBMITTED TO XXXX AND XXXX? PLEASE REVIEW YOUR BILLING. YOU BILLED FOR HOA DUES FOR THE SAME YEAR XXXX AND XXXX RECEIVED PAYMENT. THE ASSIGNED LAWFIRM ATTEMPTED TO VIOLATE AN AUTOMATIC STAY WHICH IS AGAINST THE LAW. THIS WAS ANOTHER PLOT TO FORECLOSE ON XXXX HLD DUE TO THE KNOWN FRAUD ON THE HOME. AS A MATTER OF FACT THE PREVIOUS RESIDING NEIGHBORS LOCATED BEHIND XXXX HLD WAS SAID TO HAVE LOCATED TO FLORIDA BUT, THEY ARE CURRENTLY RESIDING IN A NEARBY CITY. THEY ARE THE INDIVIDUALS WHO SIGNED AS WITNESSES ON THE MAJORITY OF THE SIGNATURE PAGES. THERE IS NO WAY 2 TO 4 NOTARIES WITNESSED THE SIGNATURES OF THE WITNESSES. THIS IS A CRIME! IT'S VERYOBVIOUS THE SELECT RING OF INDIVIDUALS WHO WERE AND STILL ARE WORKING TOGETHER. BASED ON MY RESEARCH IT APPEARS THERE ARE HOMES LOCATED WITHIN THE DOWNS SUBDIVISION WHICH WERE FINANCED BY 1440 HLD VIA FRAUDULENT LOANS. APPROXIMATELY 18 TO 20 FRAUDULENT LOANS.
07/25/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • GA
  • XXXXX
Web
XX/XX/XXXX - I accumulated a debt with my HOA. This Attorney firm negotiated a settlement and I paid it in full. The agreement was they would remove the liens that they placed on my home. They did not remove all of the liens until XX/XX/XXXX. This was after months and weeks of being ignored and my requests went on without action. This caused me stress and a higher interest rate on my refinance. XX/XX/XXXX - I found 4 unexplained charges on my account. I advised the HOA I would pay the account in full but not until these charges were fully corrected as they were for payment processing charges. I did not make any payments so therefore how am I being charged for a payment processing? I also advised them that I would not be making any payments until the liens were removed from my home for a debt that had been paid off well over a year prior. XX/XX/XXXX, XXXX XXXX and XXXX reached out to via letter. They back dated the letter and provided a certified mail number on the letter for XX/XX/XXXX. Stating that I had a balance of {$5000.00}. I disputed this amount as it is NOT accurate. according to my records I owe them {$4500.00}. Today XXXX XX/XX/XXXX They sent and email that they have forwarded to my mortgage company stating that I owe them {$7100.00}. They added additional attorney fees and worded the totals make it justifyable based on my HOA contract. It is also my understanding they have placed a LIEN on my home. This is a violation of my rights under the fair debt collection practices act. They did not provide me with 30 days to validate the debt. They did not send a letter or certified mail. I have a copy of the letter receipt notice from the USPS. I do not owe this amount. This group identified themselves as a collection agency. Therefore they must act according to the law and not dismiss my rights as a consumer. Additionally, when I paid the account off. They should have removed the liens off my property as they had no legal right to leave them on my property. Last, I have taken every measure that I can think of to have the correct balance paid in full. I have been ignored, gaslighted and toyed with over a serious matter. I am seeking help and any punitive damages possible to compensate for this unlawful group of collectors. It is not right to take advantage of consumers just because they can.
06/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30060
Web Older American, Servicemember
On XX/XX/XXXX, I received a summons to come to court for a debt that my husband and I owed the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. From XXXX, we were in bankruptcy and the bankruptcy court paid the HOA on our behalf. After the discharge of the bankruptcy, the XXXX sent us an invoice stating that we owed them {$1200.00}. I thought that we had settled this but on XX/XX/XXXX, I sent them the amount of the invoice, plus the amount for that year which was {$270.00} for the year XXXX. I answered the summons and sent them a debt validation letter, pursuant XXXX XXXX. XXXX, stating that their claim is disputed, and validation is requested, ( Exhibit A is attached ). I never received a validation response, but they continuously sent me verification letters. I counter sued with a Defendants Opposition to A Motion for Summary Judgement and filed it in the XXXX XXXX XXXX XXXX. A court date was set for XX/XX/XXXX, at XXXX am. The judge did not appear to even look at the case or listen fully to the defendant XXXX XXXX. He stated that he would give his ruling in ten ( 10 ) days, in which it was more like 16 days afterwards. The judge ruled in favor of the Plaintiffs for an additional {$4.00}, XXXX, and our journey to appeal began. We filed an appeal on XX/XX/XXXX, in which the XXXX XXXX XXXX XXXX and the Court Reporter kept stalling us regarding our transcripts. They approved our appeal, but in the meantime my husband was diagnosed with two different types of cancers. I did not even have the mind or time to follow up on the appeal. I then received a letter that I was one day late anyway, so my appeal was denied. This complaint is for all the people in our subdivision that is going through the same exact dilemma. We are praying that some rules and regulations change for homeowners going up against HOAs because it seems that theyre all working together to not follow federal laws. There were so many laws that were violated and overlooked. There has to be some relief for seniors and people who may have been late but are willing to straighten their wrong and pay whats due ; not be railroad into paying for a dozen court costs, attorney fees from attorneys that are not even debt collectors and everyone working on the case! We are overwhelmed and disappointed! Thank you for your cooperation.
04/20/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • GA
  • 31907
Web Servicemember
Being sued as a cosigner for my sons loan to attend XXXX XXXX XXXX University in 1995 by a Debt Collector ( Law firm ) which specializes in obtaining loans written off by a private lender and still attempts to collect on said loan for their own individual profit purposes in addition to attempting to also collect an excessive amount of interest. This law firm is operating as a debt collection agency not specifically hired by the original lender but instead employs " fishing tactics '' on credit bureau reports in an attempt to gain individual profit. I was not sued by the original lender XXXX XXXX XXXX who had this loan guaranteed by the Federal Agency responsible nor by any Federal entity but instead by this particular debt collection company. I an unable to afford an attorney to represent my interests nor am I able to obtain the necessary documents to fairly contest the numerous an excessive amount of legal motions being directed against me in an attempt to intimidate me into paying as a cosigner for my sons student loan. I strongly feel that as a XXXX XXXX I am at a distinct legal disadvantage in this matter. I also believe that this debt collection agency has unfairly obtained the rights to purse me for repayment for the loan in question. Please provide me with assistance in any way or form legally permissible. When I attempted to make arrangements to repay this loan I was informed that the interest alone would be XXXX the amount of the original loan repayment and that even XXXX per month would not reduce the amount of principle involved. I am concerned the debt collection agency Law Firm involved will attempt to get a summary judgment against me.
04/07/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • GA
  • 30087
Web
I filed a dispute with Lazega & Johanson , LLC over 30 days ago .I informed Lazega & Johanson , LLC that I am disputing their claim.moreover I requested that Lazega & Johanson , LLC supply me with copy of the contract with my authentic signature and XXXX XXXX XXXX XXXX XXXX signature which makes the contract legal Lazega & Johanson , LLC never provided a true copy of contract with my authentic signature or XXXX XXXX XXXX XXXX authentic signature and continue to harrass me with lawsuits and fees thats are not included in the original amount.the consumer is not responsible for any other fees, late fees, or finance charges outside of the original amount owed and that is in the FDCPA. I the consumer has been tricked to pay fees I was not supposed to pay out of fear of getting sued and being threatened by Lazega & Johanson and by XXXX XXXX XXXX XXXX and I want my money back. I am in fear of Lazega & Johanson and XXXX XXXX XXXX XXXX with all of the threats, phone calls, and letters that I have received from them.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally Lazega & Johanson , LLC and XXXX XXXX XXXX XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.
02/03/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Incorrect information on your report
  • Public record information inaccurate
  • GA
  • 30045
Web
THIS IS A FOLLOW UP COMPLAINT REGARDING XXXX XXXX XXXX AROUNG XX/XX/XXXX I REQUESTED THE INFOMRATION BELOW : I PREVIOUSLY CONTACTED XXXX XXXX CREDIT CARD FOR THE PURPOSE OF OBTAINING ALL OF MY CREDIT CARD STATEMENTS PRIOR TO XX/XX/XXXX. IN A PREVIOUS COMPLAINT SENT BY MY SPOUSE REGARDING THE HOA FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX, SHE ATTACHED A SPREADSHEET WHICH LISTED ALL OF THE HOA PAYMENTS AND THE SUPPORTING DOCUMENTATION. DUE TO OUR CONSISTENT REPORTING DUE TO MORTGAGE FRAUD WE WERE MISSING STATEMENTS WHICH REFLECTED A COUPLE OF PAYMENTS TO THE HOA WHICH WERE PAID BY XXXX XXXX WE NEVER RECEIVED COPIES OF THESE STATEMENTS. WHEN WE SPOKE WITH THE COMPANY THERE APPEARED TO BE A LEVEL OF RESISTANCE REGARDING THE RELEASE OF THE STATEMENTS. I FIRMLY BELIEVE SOMEONE HAS INTERCEPTED THIS REQUEST. MY CC NUMBER CHANGED. XXXX ISSUED A NEW CARD TO ME WITH A DIFFERENT NUMBER. THE MISSING STATEMENTS ARE UNDER ACCOUNT NUMBER XXXX XXXX XXXX XXXX. THE COMPANY WAS MAILING THE STATEMENTS TO THE WRONG CITY AND ZIP CODE. THIS IS RELATED TO THE COMPLAINT AGAINST LAZEGA AND JOHANSON LAWFIRM. MY NEW CC NUMBER IS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WE ARE REQUESTNG ALL REQUESTED STATEMENTS ( PRIOR TO XX/XX/XXXX ) BE MAILED TO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AGAIN THIS WAS FOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX WE KNOW WHY WE NEVER RECEIVED REQUESTED STATEMENTS. THIS LAWFIRM REALLY NEEDS TO STOP!!
02/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30012
Web
On XX/XX/XXXX I was served a summons to answer to a debt I owed at that time. The total amount including late charges and legal fees was {$2400.00}. I was given 30 days from the date of service to respond to contact the plaintiff 's attorney which I did on XXXX, XXXX and subsequently paid the amount in full also on that date. Plaintiff : Preserve at XXXX XXXX XXXX XXXX Attorney/debt collector : XXXX XXXX XXXX, XXXX. of Lazega & Johanson LLC Although I provided the payment information to the collector I received a letter in XX/XX/XXXX advising that a judgment was made against me in the XXXX XXXX XXXX for the same debt that I paid. I did not have a job then and could not afford a lawyer and my efforts to contact XXXX XXXX were unsuccessful. I met with the plaintiff at their office and they were satisfied that the payment was made and instructed XXXX XXXX to refund late charges to me which I never received. I thought the matter was settled until I received notice of garnishment twice which was dismissed by XXXX and XXXX XXXX XXXX. I recently began working at a hospital and after returning from quarantine due to testing positive for covid I discovered that my pay was being garnished for the same debt that was paid over a year ago. I had paid XXXX for legal service after the second garnishment attempt, however the failed to protect me from this dishonest collector. Please help me, I am already struggling with XXXX. Please help me. Thanks
02/27/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11580
Web
{ debt Collector Agency ) Lazega and Johanson locate at XXXX XXXX XXXX, Ga ( XXXX ) XXXX I received a letter from them stated that I owe my HOA in the principal balance of XXXX but they added fees and court fee equal to the amount of XXXX. I requested a payment plan with them. I already payed them XXXX, XXXX. I have missed a couple of payment as a result they send court paper to my tentants in the amount of XXXX as a rent garshment I still wanted to work with them. I then told Ms. XXXX XXXX the person that I also contacted regarding the matter. I told her that its not right that They keeping adding fees that it against the Fair trade Act. She knowledged that but say so, I then asked for a settlement, she wrote me back with the amount of XXXX. She say that the company is only going to accept a settlement on that amount, nothing else. I said where does that amount come from. She said they added post judgement balance of XXXX was added to the amount. She received to answer my calls. I said the balance was 3, XXXX How come Iam paying 2x as much. They told my tentant to go to the court to pay the rent to pay the rent to them as of XXXX XXXX. I called the HOA and told them what was happening. They told the HOA that I have a payment plan with them which is not true. They have not submitted any paperwork to the HOA showing my payment history. They didn't even forward my request to settle with them.
08/12/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30083
Web Servicemember
I received a letter on XX/XX/2019, dated XX/XX/2019 from Attorney XXXX XXXX of XXXX stating I had an outstanding debt for my HOA. I have previously made payment to my HOA to settle my debt, so on XX/XX/XXXX, I responded via Law Firms requested method of correspondence ( email ) requesting clarity on my debt, in which I received no response from the firm. On XX/XX/XXXX, at the 30 day mark, after hearing no response from the Attorney, I proceeded to pay the demanded amount of {$1400.00}. I followed up with a call to the number listed on my letter to demand a refund as my debt had been paid before receipt of the letter. The debt collector stated she would reach out to Attorney XXXX XXXX to secure a refund. A week elapsed in which I heard or received no email or written correspondence from the Law Firm, in which I again called and requested a detail summary of my debt and credits paid. I was told per debt collector to email Attorney directly. On XX/XX/XXXX, I emailed Attorney XXXX XXXX demanding a detailed summary of my owed debt, and requesting a refund from his law firm, since I paid more than actual amount of debt. As of today, I have no received a detail summary of my debt, or any correspondence from XXXX XXXX XXXX. My HOA has also indicated they have not received payment from XXXX. XXXX refuses to pay me back what they have no entitlement too.
09/14/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30017
Web
Received a bill from Lazega and Johanson sometime during the end of XXXX of XXXX for late HOA fees. This is the itemized bill : HOA fee {$990.00} late fee {$35.00} " additional assessments '' from Attorney {$370.00} Attorney 's Fee XXXX For a total of {$1600.00} XXXX XXXX called from Lazega and Johanson Attorneys at Law, in XXXX attempting to collect {$1600.00}. I didn't have the amount at the time. I made an online payment on XX/XX/XXXX for the amount of {$400.00}. Leaving a balance of {$1200.00}. On XX/XX/XXXX I received another invoice stating that an additional fee of {$230.00} in " legal fees '' would be assessed in addition to the {$1200.00} that I owed. XXXXXXXX XXXX XXXXXXXX XXXX XXXX said that Lazega & Johanson has access to my HOA account and will charge whatever they want. There is no memo or documentation in the only letter that Lazega & Johanson sent in XXXX saying that they would assess any additional fees or at which times it would be applicable. I've left 4 messages with 4 different people to communicate my intent to make additional payments and to get documentation on the erroneous fees however, no one calls back. This company has numerous complaints against them for predatory and deceitful practices. I want documentation supporting why, legally, they have access to my account and to give me the schedule of fees.
06/10/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't decrease my monthly payments
  • GA
  • 30038
Web
I was being pursued unknowingly by a law firm Lazega and Johanson that my private student loan XXXX XXXX XXXX hired. When they found me they were extremely rude and aggressive calling me all the time even at work. They sued me and I answered the suit stating that I did n't believe I owed that amount. In court the judge asked us to go mediate, we did. We agreed on XXXX a month. I offered lower, they would n't take it. I knew XXXX was a stretch, I explained my job situation to them, they reassured me that they would work with me. I missed XXXX payments and called to make arrangements and they would n't call me back. Out of the blue they levied my bank account. I filed a chapter XXXX to stop it and I listed them in the bankruptcy and they did nothing. I did n't know a bankruptcy does n't discharge loans. The bankruptcy was discharged in XX/XX/XXXX and I called them to renegotiate a payment plan. I was told that they sold the loan and no longer had it. I was blindsided a month letter by a certified letter stating that my wages were being garnished. I 'm at the point I definitely ca n't afford almost XXXX a month and I do n't know what to do. They want take it off or talk to me and I do n't want to file a chapter XXXX either. I really need help!
02/23/2017 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • GA
  • 30045
Web
In XXXX, I agreed to a Settlement Agreement with XXXX for the repayment of my daughters student loan debt. Our agreement was for {$500.00} a month until the debt is paid off. In XXXX that debt was sold/transferred to Lazega & Johansen in which I sent my payments of {$500.00} a month. On XXXX I received a letter from XXXX- XXXX stating that they were taking over the collection of XXXX of the loans and I should remit payment to them. My problem is the settlement I negotiated was made for all loans including this XXXX for a total payment amount of {$500.00} per month. How does this affect my payment situation? If they are also collecting how much goes to them and how much goes to Lazega & Johansen? This is confusing and seems in violation of the settlement agreement if I am asking to pay more than the negotiated amount and on top of that there is no sure way I can keep tabs of the balance with different entities being involved. If they ( Lazega & Johansen ) sells the other XXXX loans that 's XXXX different debtors I am being asked to pay. I was doing the right thing by negotiating and settling this debt but this new transfer is causing me much concern. Please help!
03/21/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • XXXXX
Web
Lazega & Johanson Attorneys at Law violated my consumer rights on XX/XX/XXXX 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ). Which I have evidence of the incident. Lazega & Johanson Attorneys at Law violated my consumer rights again on XX/XX/XXXX 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ). Which I have evidence of the incident. Lazega & Johanson Attorneys at Law are also in violation of my consumer right 15 USC 1692f Unfair Practices. The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Me being the consumer I did not agree to pay any fees outside of the debt and or interest and I would like all of my money back that is outside of the debt. The {$110.00} in interest, {$33.00} attorney 's fees and {$600.00} in litigation expenses. These fees or not included in the original debt and Me the consumer is not liable to pay this debt 15 USC 1692f and I demand my money back from Lazega & Johanson Attorneys at Law since they continue to violate my consumer rights.
05/06/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • GA
  • 300XX
Web Older American, Servicemember
My daughter and I co-own a single family house. She lives in it with her husband and children. My daughter 's family is struggling financially with reduced hours and the results of Covid-19. They haven't been able to pay their HOA dues because of the financial difficulties they are experiencing. The debt for those fees were first passed to a collection agency XX/XX/XXXX and a couple of days ago we received mail from a lawyer representing the HOA that we are going to be sued and they are issuing a lien on the property. The original HOA fees were about {$790.00}. The lawyer is asking for {$1500.00} which includes {$350.00} for attorney 's fees and a lien fee of {$75.00}. This is the second time this law firm has done this. This happened before in 2016 and we paid them {$1600.00}. With everything that's going on with the virus and people out of work, I don't believe people should be subjected to this kind of action. We are not disputing that the HOA dues are legitimate. The last time I looked, I saw multiple complaints about this law firm. Their name is Lazega & Johanson, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX.
10/05/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • GA
  • 30144
Web Older American
I called the # listed by employer for XXXX to address that 70 % of my pay was being garnished every 2 weeks as opposed to the 25 % noted in a statement I received from the law firm that never served me the court order. XXXX has a phone prompt that direct you to a # supposedly to the XXXX XXXX XXXX XXXX. Calling the # did not take me to the Magistrates office instead it went directly to the law firm that continues to target me every couple of years for non-payment of HOA fees that cant be paid due to same law firm blocking annual payments. I attempted to pay last years HOA fees in an attempt to prevent another occurrence and was not allowed to make a payment due to my need to settle the previous alleged debt. I have brought the concern ( my disposable pay is {$1200.00} bi-monthly, {$860.00} is being garnished for an undetermined time for a dept of an amount that supposedly includes a {$1300.00} principal and {$4100.00} atty and court fees ) to my employer who keeps referring me back to XXXX who doesnt respond in person. I am a XXXX y/o single female who can no longer pay my mortgage, my utility bills, etc, etc
05/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • GA
  • 30045
Web
The collection actions of Lazega and Johanson has caused my family mental and financial anguish. Back in 2014, they froze the bank account of my son XXXX XXXX, who was not listed as a debtor on the case in any regard. He was a XXXX student and the funds that they took were from Student Loans. This action alone merits that the firm be disbarred and license suspended from practicing law. The matter has not stopped there. After garnishing my spouses paycheck for a period of 6 months, they have not turned the fund collected over to the debtor to update the files ; I called to inquire about the balance and they could not provide me with accurate accounting details ; I am requesting that my files be updated with the XXXX XXXX and a detailed ledger be submitted to me to show all payments received. I am also seeking legal recourse against this company, because of the mental anguish my son experienced. He was not listed on the case and should have in any way been held liable for any thing. Their actions left him without money for food or gas while XXXX hours from home. Please assist me in resolving this matter.
08/31/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30045
Web
this is our second request through the cfpb regarding the cancellationn of lien regarding : XXXX XXXX XXXX XXXX, XXXX GA, XXXX. 1. This attorney filed 2 False claims in my personal bankruptcy case number XXXX, I reported it, I guess he though he could get away with it since the Trustee is his friend, 2. He submitted a fraduluent Lift of Stay from state court and signed the judges name on it. 3. We have paid this lien off, as a matter of fact this should have never been filed due to the previous HOA oversight XXXX XXXXXXXX XXXX XXXXXXXX did not transfer due paid for the year XXXX to XXXX XXXX XXXX 4. We know he is working with XXXXXXXX XXXX and the XXXX TRUSTEE XXXX, XXXX XXXX for the purpose of ensuring the Lein remains on the home given the amount the mortgage fraud issue. This is sabotage making it appear we have a lein against the home which we never received a loan for a mortgage. i contacted hiis office and informed his assistant to infomr him. " He better release this lien or i was ensure he loses his bar number and I will be the attorney to release it, '' ENOUGH IS ENOUGH!
11/09/2017 Yes
  • Debt collection
  • Private student loan debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • 303XX
Web
Sold my debt ( in their words transferred ) to third party company. Did not contact me to notify me of change. When contacted to find out why I was not able to pay my bill online, XXXX XXXX was extremely rude, unprofessional and disrespectful upon me inquiring about the companies failure to communicate details of my account being transferred. He insisted on informing me that it was the new companies responsibility to contact me in reference to the change. Upon calling back to speak with XXXX XXXX, the receptionist XXXX was just as hostile and rude as XXXX and even refused to give me the address of the company and information related to my account. Ive dealt with this company for over a year and its been the a constant aggressive disrespectful culture across their company with zero ethics. My original account representative XXXX XXXX XXXX displayed the same unprofessional tactics as the individuals listed above. I reported her to management in 2016.
02/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30260
Web
I have disputed XXXX ( account # XXXX, XXXX ) several times. The company would remove the account for months even up to a year then it would reappear. I took the necessary steps that customer service instructed me to do, which were to obtain a police report. The documents that I uploaded are the same documents that I sent to XXXX when the company were removing the account ( I only updated ftc ). I contacted police station and was told to get report where I initially discovered the account. I even took an extra step and got a FTC affidavit per law enforcement. I submitted and again, company would remove for awhile and then it would reappear. I don't know what Lazega & Johanson LLC is. I've reached out directly to this company. I have two unauthorized inquiries ( XXXX, XXXX ) Those unauthorized inquiries have been illegally pulled and thus should not be on my report as they weren't authorized by myself, any person ( s ) or company on my behalf.
02/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30260
Web
Lazega & Johanson LLC is a company I don't know. I went to my local Police Department and was told to get a Police Report where I discovered the accounts, inquires, etc at the time my credit was pulled. I did so. I have sent this company my Police Report and FTC report per law enforcement. I have never done any business with this company, I don't owe any money to this company, I have never gotten any products, etc or anything with this company nor given permission for my credit to be pulled with this company. I have two unauthorized inquires on my Credit Report from this company. The dates are XX/XX/XXXX2018 and XX/XX/XXXX2018. This is illegal. My Credit Report has been illegally pulled by this company. This is very illegal according to the FCRA and illegal in general. You must have a persons consent to do so. I did not authorize or give authorization to any company ( s ), person ( s ), or myself to pull my credit.
03/13/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 085XX
Web
I received an email from my employer on XX/XX/XXXX with a summons for garnishment that was filed by Lazega & Johanson LLC, a debt collector. The summons mentioned a defendant who has the same name as me but living in Georgia at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The summons had however last four digits of my SSN. The summons also mentions a co-defendant who I do not know. I have never lived at this address nor have I ever owned this or any other property in Georgia. Since XX/XX/XXXX, I have lived and worked in New Jersey. The summons has a total garnishment claim of {$5100.00} made on the behalf of the plaintiff, XXXX XXXX XXXX XXXX XXXX whom I have no dealing with nor owe any monies too. I informed both, my employer and Lazega and Johanson LLC that I am not the defendant and my SSN is fraudulently used in the summons. I have provided a copy of summons and my affidavit.
01/12/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • GA
  • 30076
Web
Lazega & Johanson LLC ; did not reach out to me before they moved forward and filed a law suit. I responded to Lazega & Johanson LLC ; to try to set up a payment plan for case ( XXXX ) in GA. They moved forward and opened another law suit to take my pay, after I sent over XXXX letters from XXXX to XXXX requesting a payment plan. I called the office today on XXXX, and XXXX XXXX told me that they did not have to respond to my letters for a payment plan. I then remember that another law office by the name of XXXX XXXX and XXXX has been taking payments for over a year. Lazega & Johanson LLC did not reposne to any of my written request and moved forward to garnish payment when I asked for a payment plan, prior to, the garnish payment file to the court. Now I submitted the the order from the case that was resloved ( XXXX ), They are rude and not being truthful.
11/12/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • XXXXX
Web
This debt collector is unscrupulous and the law firm engages in trickery. I had an HOA judgment and they illegally and unlawfully issued a garnishment on a person that was not named formally on the judgment. After payment of what I thought was in full to settle the judgment the law firm later changed the number and came back saying I owed another {$1000.00}, the case was not settled, and they wont dismiss the judgment. The law firm now refuses to adjust their legal fees and/or ask the HOA to remove the late fees and interest ( which I thought was happening when we agreed on the settlement amount that was paid ). I also found out that they sent only a tiny fraction of my settlement total to the HOA so the HOA still thinks that I owe almost the full balance.
01/07/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30286
Web
I was sent a letter by Lazega & Johanson, Attorneys at Law in XXXX stating that they are attempting to collect a debt on behalf of XXXX XXXX, XXXX for a debt I allegedly owe to XXXX for account number XXXX. I had a third party credit reporting agency contact Lazega & Johanson to obtain the account number and verify the debt. The resulting report is attached. The account at XXXX XXXX XXXX was reported to the third party credit reporting agency as Charged Off. I assume because they were not able to verify it was mine. The third party credit reporting agency also contacted XXXX on my behalf. XXXX was not able to produce any such account. This account does not appear on any of my three credit reports. It does not exist.
11/01/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 303XX
Web
A law firm representing my HOA Association keeps giving me different balances in order to settle my account. They first quoted an amount of {$5700.00} in order to settle the account. Then they quoted {$7500.00} because they thought I did not remember the original amount so they transposed the numbers. Then, they quoted {$8000.00} as a reasonable offer.Then the attorney sent me an email quoting {$10000.00} approximately as a final offer. Then I spoke to an associate and she quoted $ XXXX then {$10000.00}. Then she sent me an email stating they want approximately $ XXXX to settle the account. I have the emails, but I could not attach them. Incan forward them to your email address.
08/11/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Incorrect information on your report
  • Public record information inaccurate
  • GA
  • 30045
Web
A FRADULUENT NON-STATUTORY LIEN WAS FILED WITHIN THE XXXX XXXX XXXX DATED 2017 FOR NON PAYMENT OF HOA DUES. THE DUES WERE PAID. WE BASICALLY, PAID THE DUES A SECOND TIME. THERE ARE NO HOA DUES OUTSTANDING FOR THE PROPERTY LOCATED AT : XXXX XXXX XXXX XXXX XXXX GA XXXX WE SUBMITTED AN EMAIL REQUESTING A RELEASE IF LIEN AND HE WILL NOT RESPOND. THIS IS CAUSING MORE HARM AS IT RELATES TO OUR MORTGAGE FRAUD ISSUES. ALSO, HE COLLECTED THESE DUES WHILE MY WIFE WAS STILL IN BANKRUPTCY. SHE WAS DISCHARGED ON XXXX THE FIRST SET OF DUES WERE PAID TO XXXX XXXX XXXX XXXX WHO STOLE THE MONEY AND DID NOT TRANSFER THE MONEY TO.
11/30/2022 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • GA
  • 30087
Web
Lazega & Johanson and XXXX XXXX XXXX impersonate being attorneys to using false affidavits to coerce me into paying a debt that was never validated and that I due not owe. I never contracted with Lazega & Johanson and XXXX XXXX XXXX to be sued. Lazega & Johanson along with XXXX XXXX XXXX violated both the Fair Debt Collection Practice Act and also The Truth In Lending Act. Lazega & Johanson and XXXX XXXX XXXX also violated The XXXX ( Filing Number XXXX ) they were not first in line.
03/23/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AZ
  • 85629
Web
I first heard from this " law office '' in XX/XX/XXXX of 2017. They claimed they have taken over the debt from a XXXX that I do not remember having. I asked for documentation because I am not aware of this card. They sent me very vague information so I referred it to a credit care company that I have hired to help me with negative credit information. Now, the company is calling my elderly parents! I am a retired XXXX XXXX XXXX. This is ridiculous!
11/14/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • GA
  • 30087
Web
A creditor Lazega and Johanson threatened to sue me on a private student loan debt where the statute of limitations had expired and also threatened to sue my mother who is listed as the co-borrower. In addition they threatened to add fines and additional fees. They then attempted to garnish my wages form my employment which lead to my termination.
12/29/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30017
Web
I am currently in chapter XXXX. The HOA stating I owe money for past due association fees which are connected to over 15 FRAUDULENT LOANS CONNECTED TO XXXX XXXX, There is a claim within the XXXX listing a XXXX total. I want the validation of debt sent to me since I am pro-se. Also, the representing attorney was reported for unethical conduct.
11/06/2023 Yes
  • Debt collection
  • Rental debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • GA
  • 306XX
Web
Lazega & Johanson did a hard inquiry on my credit without my consent or authorization and it has negatively affected my credit score and my credit profiles across the board resulting in denials for credit. Ive paid my HOA balance in full and Ive been advised to retain an attorney because of their practices.
09/08/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30045
Web
REGARDING XXXX, The information provided by XXXX XXXX XXXX XXXX. We ar requesting a complete XXXX o all payments sent to L and J and all communcation regarding from the XXXX XXXX regarding previous outstanding amounts. All claims filed within the XXXX by L and J!
09/22/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Incorrect information on your report
  • Public record information inaccurate
  • GA
  • 30045
Web
ADDENDEUM TO XXXX, WE ARE ATTACHING THE PAYMENT LOG FOR XXXX XXXX XXXX. THESE PAYMENTS WERE TO BE APPLIED TO CURRENT LIEN ON FILE. WE DID NOT REALIZE IT COULD NOT BE FORMATTED WITHIN THE COMPLAINT BOX.
08/09/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30035
Web
I made a payment on debt with account number. Payment was applied to another account. I was then told that If I did not make another payment garnishment process would continue.
06/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30312
Web
i got a copy of my credit report and there are inquiries i do not recognize, Lazega and johanson llc on XX/XX/2020 XXXX XXXX on XX/XX/2020 and XXXX XXXX XXXX on XX/XX/2020
01/12/2017 Yes
  • Debt collection
  • Non-federal student loan
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • GA
  • XXXXX
Web
Please find attached letter from me to Lazega & Johanson LLC with a detailed complain. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX
02/21/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 30039
Web Servicemember
I was garnished by a company and they can't provide me with an account of my funds. why?
10/22/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30518
Web
10/26/2022 Yes
  • Mortgage
  • Other type of mortgage
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30045
Web
04/03/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30331
Web Servicemember
07/31/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 32256
Phone
01/14/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
Phone
08/09/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 30813
Web Servicemember
08/12/2018 Yes
  • Debt collection
  • Mortgage debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • GA
  • 30043
Web
06/15/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30019
Web
02/15/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 31021
Web
02/15/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 31021
Web
10/04/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 22206
Web
08/30/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30741
Referral
07/27/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • GA
  • 31069
Web
03/25/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PR
  • 00966
Web Servicemember
03/15/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30458
Web
05/27/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30064
Phone
04/24/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • GA
  • 30319
Web
04/09/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 31522
Postal mail Older American
03/14/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30068
Web Older American
02/16/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • GA
  • 30137
Web
01/22/2015 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • GA
  • 32703
Web
12/20/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30088
Web
12/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • GA
  • 30558
Web
10/08/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30019
Web
09/22/2014 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • GA
  • 30004
Web
08/02/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • GA
  • 30038
Web Older American
07/16/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30188
Web Older American
07/09/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 31906
Web
07/09/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • GA
  • 30144
Web
06/05/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30188
Referral
03/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30344
Referral
03/12/2014 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • GA
  • 30318
Web
11/01/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30319
Web