Machol & Johannes, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
03/21/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80234
Web
This complaint is for both companies, Machol & Johannes and XXXX XXXX XXXX I initially had an account with Machol & Johannes regarding a collection with XXXX XXXX in the amount of {$1400.00}, however a settlement agreement in the amount of {$1000.00} was established in the courts as of XX/XX/XXXX of {$25.00} monthly payments. From XX/XX/XXXX till XX/XX/XXXX a total of {$450.00} has been paid towards the {$1000.00} which leaves a balance of {$550.00}. XX/XX/XXXX, I received a letter from Machol & Johannes informing me that my debt had been moved from them over to XXXX XXXX XXXX starting in XX/XX/XXXX. XX/XX/XXXX I then received a letter from XXXX XXXX XXXX with a proposed stipulation with an amount of {$1100.00}. I contacted XXXX XXXX XXXX to dispute this amount and explained to them the above information. I then received a document from XXXX XXXX XXXX with a stipulation for judgement stating : " Defendant hereby confesses judgement in favor of the Plaintiff in the amount of {$1500.00} ( " Judgement Amount '' ), which is comprised of principal in the amount of {$1400.00} and court costs of {$170.00} with post-judgement interest to accrue at the statutory rate of 8.00 % per annum '' Then it states an agreement of payments of {$25.00} monthly to start XX/XX/XXXX, 28 payments in the amount of {$2500.00} first payment XX/XX/XXXX, and one payment {$21.00} under this arrangement due XX/XX/XXXX, if I was to agree on the settlement of {$740.00} which was more than the balance from Machol & Johannes. Once again, I did call and disputed this amount. During this time, I have contacted Machol & Johannes twice, both times to request the final paperwork with my balance of {$550.00}, Attorney Machol also voiced to me over the phone as well stating that was my balance was {$550.00}. Attorney Machol informed me that he had sent that paperwork over to XXXX XXXX XXXX. Only document that Attorney Machol emailed to me was the initial settlement that was agreed on in XX/XX/XXXX of {$1000.00}. I then received a letter on XX/XX/XXXX from XXXX XXXX XXXX again requesting for a payment schedule to be set up for the amount of {$1100.00}, also attached with two other documents, one showing XXXX XXXX XXXX, XXXX ( this was were the debt occurred ) Vs XXXX XXXX ( myself ), debtor balance and the other was Colorado Courts E-Filing from XX/XX/XXXX the original e-filing. I then contacted XXXX XXXX XXXX on XX/XX/XXXX and requested to be sent the documents that were received by Machol & Johannes, I was informed that it would be emailed to me on that day, I also informed them that I would be emailing them the documents of the initial settlement with Machol & Johannes through XXXX XXXX Courts, and the letter that was sent to me from Machol & Johannes showing what I had paid and what the balance was, this was emailed to them on XX/XX/XXXX. I then received a letter on XX/XX/XXXX from XXXX XXXX XXXX confirming my issues regarding the balance dispute and requesting additional information. I reached out on XX/XX/XXXX and spoke to an individual at XXXX XXXX XXXX in the morning inquiring about the letter that was received and informed him that I had already emailed over the documents on XX/XX/XXXX. I was informed that the document that was sent from XXXX XXXX XXXX was due to a default in the agreement, however there was no default since I was making the monthly payments and again explained that the amount is higher than the ending balance and that I had already sent over all the documents. It then proceeded to explain that the document that I sent over was my ending balance in XX/XX/XXXX of {$570.00}, however I did make a payment of {$25.00} in XXXX which brought it too {$550.00}, which Machol & Johannes confirmed however would not send the document to me. The gentleman then stated that they could honor the {$570.00}, I requested for the corrected amount to be honored and for them to request the corrected documents from Machol & Johannes, and I also second request to receive a copy of the documents that sent by Machol & Johannes, he noted that the documents that I received were from Machol & Johannes which there were not. He then proceeded to tell me that " it is only {$25.00} difference what is the big deal '', I then requested for the attorney to contact me directly and ended the call. I then called XXXX XXXX XXXX back in the afternoon and spoke to another individual and reviewed over the information and informed there that I will just eat the {$25.00} that was paid in XX/XX/XXXX and resume payments from the {$570.00}, of {$25.00}. She then had me on hold for 30 mins, and then informed me that they would need for me to provide 'proof ' that I had paid the {$420.00}. I informed her that I had sent over the document from Machol & Johannes which also had listed XXXX XXXX XXXX listing that the settlement amount was in the amount of {$1000.00}, amount paid towards settlement {$420.00}, balance remaining on settlement {$570.00} as of XX/XX/XXXX. She insisted that I still needed to provided other proof that I had paid that amount. I informed her that the only other proof would be my banking statements, and that I would not be providing that personal information to her. At this time the line disconnected. I am making formal complaints on both of the companies that I have listed in this complaint. I am not contesting paying, I was simply requesting the documents that were sent to XXXX XXXX XXXX from Machol & Johannes, and the ending balance document from Machol & Johannes, and to be charged correctly, none of this has been followed through.
09/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CO
  • 80501
Web
Machol & Johannes , LLC is affiliated with Machol & Johannes , LLP is a collection agency that was hired by XXXX Card to collect a debt that we owed ( the fact that it is owed has never been disputed ). This company violated our rights in the following manor : Machol & Johannes , LLC is affiliated with Machol & Johannes, LLP refused to send written communications to a mailing address that accepted mail. We reside in zip code XXXX which is not serviced by USPS physical address delivery. XXXX card had our mailing and our physical addresses. Machol & Johannes , LLC is affiliated with Machol & Johannes, LLP refused to send mail to our mailing address. This includes, but is NOT limited to such communications as : - Original Communications that would have allowed us to either resolve or dispute this debt - Notifications of their intent to file legal action - Once legal action WAS filed, we were never provided a copy of the Judgement- When a Wage Garnishment was issued, we were NEVER provided proper paperwork to dispute this action either. Machol & Johannes , LLC is affiliated with Machol & Johannes, LLP were provided over 40 times request in writing to update our mailing address. In addition, they have willfully refused to do so until our first communication to this agency was made. In addition to their refusal to communicate with us, in writing, to our mailing address, Machol & Johannes , LLC is affiliated with Machol & Johannes, LLP refused to provide an accounting of payments made to the debt. There were several payments made by wage garnishment that they would not account for and when asked for an account history, for 2 months they would not provide one. When I made the final payment, I provided them with an accounting. This should have been provided along the way, and when requested. As if, our rights have NOT been violated enough by this company in a short 7 months, even AFTER the debt is paid in full, our right continue to be violated. While we have NEVER received any of the afore mentioned documents, in addition to this violations, Machol & Johannes , LLC is affiliated with Machol & Johannes , LLP has refused to squash the wage garnishment, which has resulted in yet another overpayment, which I am certain will take months and litigation on my part, including hiring of my own legal counsel to have these overpayments returned. This company 's actions have been inexcusable, and they should not be allowed to practice law if they continue to believe that debtors do not have rights, which is clear in their actions. I am begging this agency to please investigate these people so others do not continue to fall victim to their tactics. We are fortunate. We could have paid this debt in full prior to a court case, and prior to a wage garnishment. However, this company believes in violating consumers rights. As long as they continued to send written communications to an address they KNEW was not valid, they could continue to collect interest, and additional fees. Had they have done things the right way, it would have cost them a few hundred dollars in fees. Is all of this really worth it to them? I think not. XXXX XXXX should also be ashamed of themselves. They pride themselves on being different, and treating people how they want to be treated. Yet, they employ a company who continues over and over to violate a consumers rights. I dont know about you, but thats not how I would want to be treated. Maybe XXXX feels that is how they would want to be treated. At the end of the day, this is all very sad. Had the following rights NOT have been violated, we would never be here today : 1. Communication This company refused to send written communication in a manor that could be received by us. They refused to send communications to our MAILING ADDRESS. Our Physical Address does not accept USPS mail. 2. Because they refused to send mail to our mailing address we were not afforded these basic rights : a. The right to dispute the debt b. The right to a fair hearing c. The right to be informed of litigation d. The right to dispute a Wage Garnishment 3. Unfair Collection Processes This company has been paid in full and refused to squash the active wage garnishment 4. Overpayments this company continues to benefit from overpayments and refused to return said overpayments in a timely fashion 5. Refusal to provide an accounting of the debt and payments made I am begging this entity to investigate these companies, and file any available sanctions possible.
08/03/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • WA
  • 983XX
Web
Yesterday my bank accounts as well as my XXXX year old son 's bank accounts were wiped clean from what was claimed to be a " wage garnishment '' from a debt collection agency, Machol & Johannes , LLC. I had received a letter from them XXXX stating that they had filled a claim against me in the Washington Supreme Court and had " summons '' stamped on the letter It went on to say that it was for the plaintiff, XXXX XXXX, for debt that was written off in XX/XX/XXXX. When I received that letter I called the court and asked them if there had in fact been a claim filed against me and I was told there was no claim. I then pulled my credit report- XX/XX/XXXX- to see if there was a XXXX XXXX XXXX on my report. There was not. I called Machol & Johannes , LLC to refute their claim of alleged debt. They stated that it was originally from a XXXX XXXX and that XXXX XXXX had purchased a portfolio of written off debt from a XXXX XXXX. As XXXX XXXX was also not on my credit report, I told them that I had called the court and that there was no claim filed as stated in the letter and that there was no record of any debt they were claiming that fell within the statute of limitations. I questioned if alleged debt was even mine considering I had no record of said credit card, and regardless that they were in violation of the FDCPA. I had absolute defense against alleged debt as it was no longer valid according to Washington States statue of limitations. I did not hear from them again until I received a letter on XXXX XXXX stating that it was in an attempt to collect alleged debt for XXXX XXXX and that I could call The Federal Trade Commission if I wanted to file a complaint about their methods. I did not contact them after receiving that letter since I believed that they had no legal grounds to pursue me, not did I contact the FTC for the same reason. ( The Fair Debt Collection Practices Act is a strict liability statute, and prohibits deceptive or misleading debt collection from the perspective of the least sophisticated consumer. ) On XXXX XXXX, XXXX I was trying to purchase food for my son 's special needs diet and my debt card declined. I immediately check my bank to see that my entire balance including my son 's savings account balanced had been cleared out under a " descriptive withdrawal- XXXX garnishment ''. Bank stated that they received a court order and gave me a number to call. That number lead me back to the debt collector, XXXX XXXX XXXX. LLC. My complaint is that Machol & Johannes , LLC are in complete violation of the FDCPA. Their illegal actions have caused a severe hardship on myself and my son. It is directly impacting my ability to work and continue my income. It is affecting my future earnings. It is directly impacting my ability to feed my son. It is directly impacting my son 's health as he in currently under treatment with XXXX XXXX XXXX that I am unable to continue without the funds to do so. It is directly impacting my career, my clients, as well as my financial, emotional, and mental well being. Their illegal actions are having a harmful impact as my son 's mental, emotional, and physical well being. My claim that their actions are illegal are based on the following : They threatened to sue me on debt that was too old to sue for. Claimed to have filed a judgment when they had not actually done so yet in the state of Washington. The FDCPA prohibits falsely representing the legal status or character of a debt. I told them to cease and desist yet they went ahead and filed a judgment against me for a debt that well exceeded the statute of limitations. There was no way for them to determine my funds were not exempt and yet they took everything out of my account and my sons leaving me at a {$0.00} balance.
12/15/2017 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80011
Web
In XXXX of XXXX, I received a garnishment judgement for a balance that was owed to the XXXX XXXX XXXX XXXX in Colorado. The College sent the matter over to XXXX XXXX and XXXX XXXX sent the debt to a law firm. On the judgement that was sent to my employer for garnishment, it says that the order was originally entered in XXXX. My last known address which I have not lived at since XXXX of XXXX is listed, and my mothers name is listed as my alias. I would like to make it known that I have never used my mother 's name as my own, and while attending school I never listed her as responsible for helping me pay for school. The amount of around 2,100 included attorney fees, and interest. The order also listed how much had been applied to the account via my state refund being offset. I sent a letter to the court, because I have n't lived at that address and I have never been served with an order to garnish my wages. I also have an issue with my balance with XXXX, because in the summer of XXXX I was placed on academic probation for failing some classes. One of the stipulations with that decision was that I could not receive financial aid until my grades were at an acceptable G.P.A. I had previously signed up for a certificate course that had five classes to complete for the fall semester. The total amount for the program was over {$3000.00}. Those classes should have been dropped because there would not be financial aid to cover the amount due. You ca n't start classes until arrangements are made. After the fall semester came around, I found out that my classes were n't dropped and I was being billed for those 5 classes that I never walked into. Along with money that went back for my loans and grants. My account balance with the school was over 5,000. I had tried to talk with them but no one got back to me on the issue. I had made some payments directly to XXXX XXXX and had knowledge of my account be paid by my state tax refund. Or so I thought. A few days ago, I received another judgement from that law firm that was sent to my employer. This time there was an amount due for over 5,200 for XXXX XXXX XXXX XXXX. The total was for over {$6600.00}. That was the only difference. My name is still mine and my mother 's as my alias. My last known address is that address that I have not lived at since XXXX. And the order which I was not served with was entered in XXXX. The balance in more aligned with what I have with my student account. The only difference is that there are not payments made to this account. But once again I was never served to dispute that balance in court. I had no knowledge of this order until this year. I did n't even know I could not get into my XXXX XXXX account to view my balance until XXXX of this year. So what account have I been paying on? I think that my mother had an account as well and the falsely listed her as my alias and they are suing me for both accounts. My mother by the way is still living. The reason why I believe this is because it is impossible to have two different student accounts at one school. There 's only one XXXX XXXX XXXX XXXX and only one XXXX XXXX, with one student account balance. This law firm has been unethical with how they 've handle the cases and falsely served me with an order. And they are combining mine and my mothers balance.
12/30/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 80521
Web Servicemember
in XXXX I attempted to purchase a car from XXXX XXXX XXXX XXXX Colorado. I had a XXXX that I had paid off and owned entirely. The dealer then set up the paperwork for a ford van, trading my car in as collateral. After driving the van we discovered that it was previously damaged from an accident. This is where things get weird. Before we returned the van [ about 3 days ] they sold my car. I was then forced to buy a more expensive car, a XXXX XXXX. Shortly after taking possession of the vehicle, XXXX XXXX XXXX began not posting our payments, then became threatening. As I am a XXXX veteran and a negotiable person, I agreed to return the car back to the dealership completely undamaged [ which we did ] and left the keys inside the dealership. In XXXX XXXX we left the US for 24 months. XXXX XXXX XXXX wrote off the contract as I returned the vehicle undamaged. Then- out of nowhere comes a case filed in court against us for the entire cost of the vehicle by some party not affiliated with XXXX XXXX . We responded to the subpoena in writing mailed certified return receipt to the XXXX XXXX XXXX XXXX. The certified mailed return receipt response was properly addressed and mailed within the required time to respond. Several weeks later, we received the same mailed certified returned receipt response [ unopened ] and refused by the judge- A judge XXXX . That same judge then issued a summary judgement that did n't exist against me for some XXXX k. The total price of the car, a car we did not have as we returned it to the dealership as agreed with XXXX XXXX XXXX. In other words, a debt not real, or valid. The debt was sold to a collections firm in XXXX Colorado [ Machol & Johannes ] that is not affiliated with BBB, and suspect for illegal collection practices. They have upped the amount to nearly XXXX for debt I simply do not owe due to the judge refusing to open my mailed certified return receipt response and to review the fact that I had returned the car to the dealership undamaged as agreed with XXXX XXXX XXXX Someone has repeatedly vandalized our only vehicle-a XXXX XXXX XXXX XXXX, rendering it inoperable. We believe that this may be the work of the collection firm. So I am out of any vehicle now. Its XXXX. That XXXX collection firm that bought the debt is still trying to collect on a debt that never existed. I am tired of this constant illegality which began with a bait and switch by the XXXX dealer by the sale of the only car we owned [ the XXXX ], forcing me to purchase a much more expensive vehicle than I had intended-along with the harassment by XXXX XXXX XXXX which resulted I our returning the vehicle to the dealer undamaged- then the selling of the debt to a collection firm that is questionable in its business practices, Recently, I have noticed that a XXXX XXXX XXXX out of Ohio has been querying my credit record. It seems no one has done anything to look into these illegal business practices
08/30/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98532
Web
Well it certainly would have been nice to get a response long before now from XXXX XXXX. It would have alleviated a lot of undue stress that I didn't need to have. Received a response finally from XXXX -- I was attempting to tell you that something was amiss on your end. I just got the same info I already knew recited back to me. It always boils down to something I did, not that something may have gone wrong on your end. I was never notified that the account was going to charge off. You recite dates like I should have known all of this already. That is something that you say this new attorney got the account on XX/XX/XXXX when I didn't receive the note from XXXX XXXX XXXX until XX/XX/XXXX ( dated ), and I didn't receive the letter from THEM until XX/XX/XXXX ( dated XX/XX/XXXX ). You have to understand how confusing all of this is for an average person, this is not my life ( unlike yours ). It sure would have been nice on your end to clue me in before now. Apparently the note from YOUR attorney XXXX XXXX XXXX is not going to be honored. Seems extremely deceptive to me since they are apparently lawyers. They told me the issue was closed. I believed them since they were lawyers YOU hired. Seems deceptive and unfair. Can't believe ANYTHING that comes from your end. You don't honor anything, even letters that come from your OWN lawyer. I was tricked and deceived. I have been treated extremely unfair by your company. I am sick of the stress.About the checks you refused, I sent you a copy of the checks front and back in the complaint I sent. Did you not even bother to look at the attachments? So anxious to tell me NO on everything that you didn't read everything? Also sounds unfair. Like I said, I have no job, am unable to get a job, and have no money. This attorney you hired deceptively got me into a Payment Plan that I can not do or afford. I want to start paying on this, so since YOU hired them could you PLEASE tell them to stop the payment plan and I would like to set up one with you. Please call off them. I am fearing for my life with them sending me threatening letters and I want them out of my life. Can I please just set up a payment plan with you and could you drop the lawyer? Since I have XXXX income ( and XXXX XXXX has already zapped every XXXX of my savings ) I would like to do {$150.00} or more per month starting XX/XX/2020, and due on the XXXX until it is paid off. Please I can not afford what that lawyer intimidated me into. Please email me back, and please give me a prompter response than this time? Thanks
10/31/2020 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
  • MO
  • 656XX
Web
This debt was being paid as agreed until XX/XX/XXXX. The COVID-19 pandemic created a hardship for my household and my hours were cut at the hospital I worked for about XXXX weeks. I then found out I needed a medically necessary XXXX for the sake of my health. I was off work for two weeks to recover and had to use my short term XXXX through my job. I e-mailed this debt collector multiple times and I received no returned responses for months. I asked for a lower payment or deferment of my past due payments until my financial situation was back to normal. Then months after I received these threatening letters about court and judgement for payment. This has made an already stressful time in my life much worse. I lost my father in XX/XX/XXXX unexpectedly of a XXXX XXXX. At the time I was living alone in Colorado, newly divorced. I was first served court papers by this same debt collector during that devastating time. I told them I had student debt but they demanded I pay or theyd sue me in court!! I struggled but I did my best to pay each month. The grief and stress of this debt caused me to leave Colorado to be closer to my children. I then reconciled with my ex-husband and we remarried Fall XXXX. The pandemic caused everything to change!! This past month has been extra hard on my family as there have been deaths in our immediate family of grandparents and most recently my mother recovering from COVID-19. This second letter and continued harassment from this debt collector has made my grief and mild XXXX much worse!! I asked them to work with me earlier this year in late XX/XX/XXXX and they wouldnt!! Now they want to attack me during the holiday season and ruin my credit. I feel because I am an XXXX American citizen that they are purposely seeking to destroy the effort Ive worked so hard to put towards a better life and future for myself and my family!! I pull up my boot straps and they cut them off!!!! I feel violated!! I should not have been paying this creditor more than {$10.00} a month due to my student loan debt!!! I am outraged that this debtor is harassing me and refused to work with me when I asked. I would like them to show proof of my payments to show my debt was in good standing for about a year until the pandemic shut down the entire country!! The money I have paid is the amount of what was owed to the original creditor!! This debt collector is trying to get extra money out of me for their own personal gain!! Shame on them!! Please dont let them ruin my credit if all lives do really matter!!
07/03/2018 Yes
  • Debt collection
  • Private student loan debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CA
  • 946XX
Web
My first interactions with this firm were relatively fine, but since my account was transferred to XXXX XXXX, the communication has ranged from sparse to incompetent to non existent or unpleasant. It has not gotten to the point of threatening, but just barely. I have submitted multiple proposals for settlement handwritten by mail as well as via email and have attempted to call my representative. I've even contacted the main office to ask for a new case representative and have copied other addresses and have not had anyone respond to those requests. Since the original papers were served, I have not received anything in the mail or email about my case before they have brought the recent actions. I call and email XXXX XXXX and she claims to call me back, but does not. She often does not return my phone calls or answer my emails. The few times she has called, it's been in windows of time where I have explicitly stated that I was unavailable. I have submitted proposals and asked for information on next steps and have not received anything. Phone calls and emails have stopped entirely. It was my understanding that they could not continue to take action on my account when there has been new filings for settlement options, but they have continued to take money from my account and place more freezes even after I have submitted formal proposals and have tried to communicate. I feel that XXXX XXXX is intentionally not filing or responding to let things lapse and take more money from me. I can not pay more money than I have and have tried to communicate my parameters and offer as much as I can, but have not been met with reason and then communication just ceased while money continues to be taken from my account. I would like to pay these off, but can't do so if they continue to take every penny I make out of my account each month. This is the second month in a row I am unable to pay rent on time and will have to pay additional late fees on all of my bills thanks to XXXX XXXX not doing her job and this firm not being responsive to my requests for communication. I no longer live in Colorado so I am unable to appeal to a judge. I also don't receive information in a timely manner in order to deal with these things before it is too late and I'm unexpectedly out thousands of dollars. I am happy to pay monthly to move forward with this, as I've been advised by members of this firm in the past, but I can't deal with unreasonable or predatory people.
08/16/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CO
  • 80501
Web
Sadly due to the downturn in the ecomony and loss of job we fell behind on our XXXX card. XXXX wrote the debt off as a write off. This XXXX we received a summons to respond to a court filing about this debt. We were not given a case number and we were told in the paperwork not to show up to court but rather to file an answer. Of course the paperwork also asked us to resolve the debt if possible and the paperwork from this random collection agency also stated they would help us to resolve it. Along with these requests we informed the agency that we live in an area that does not received USPS mail and provided them with our mailing address. We had not received any communications from them prior to the lawsuit being filed. We attempted for 2 months to contect them using every option available. We called, we emailed, we submitted requests through their website, we faxed them, nothing. We did file an answer with the courts and asked for an extention so that we could work this out with them. We received nothing. That was until a wage garnishment happened. Now, we are stuck with a wage garnishment, and we are happy to pay off the debt, at this point we have no other choice, that is until we can obtain legal counsil and begin litigation. The amounts that they are garnishing us for is NOT being accuratly accounted for by the collection agency. In addition, I've asked to mailed a statement so we can understand why they are not appling the funds correctly. We are and have been prepared to pay this debt in full but they refuse to communite with us, nor will they respond to our requsts. Example - Starting Debt was {$9100.00} To Date Wage Garnishments - {$1500.00} Payment Directlty to them - {$5000.00} Total outstanding {$2600.00} Accounding to their website today it is {$3600.00} So again, missues to funds and not being applied to the account. In fact they have only applied the additional payment and have not applied any funds received via almost 2 months of wage garnishments. I log in to the account weekly, and update our mailing address, they the debt collector continue to change it back to our physical address. I have emailed, I have faxed, I have called them and they refuse to update our information nor will they send us information about this current debt to a location that we can receive it at. This has been going on for months and there appears to be no end in site. Please help us!!!
09/03/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 80112
Web
This dept collector Organization acquired a judgment order from XXXX court Colorado - stating ... Failure to appear judgment in favor of this debt collector- from what the dept collection organization provided for them that I owed someplace around {$2000.00} plus {$3000.00} in extra fees ... This debt collector organization also said that they had served me a notice to appear ... And when I asked him to give me a description of who they served it was totally not me ... They describe the person they served as XXXX, and approximately XXXX years old in which I am neither - not even close ... They said this judgment order was legal document to my bank - XXXX XXXX - The bank verified it been a order then put a freeze on my bank account & within a few days {$5000.00} was taken out of my account ... and within one week the money was completely gone ... I called the bank and all they could tell me is to call the deck collector in which they Gave me the number, in which I called only to get a answer machine. When the money was lifted out of my account by the collector ... Then I received a letter notifying me of the court order and that I still owed a XXXX totaling around XXXX XXXX XXXX XXXX dollars. After calling the dept collector to get the information on the reasons for this debt they described at that time they served A gentleman at XXXX years of age -approximately ... I said well that was n't me and they said well that 's the last place we have any information on you and for the courts that 's good enough ... I asked him who I supposedly owed the money to make stated XXXX ... I have never done any business with the XXXX. So as it stands my money is gone ... I was never was served to appear in court ... And I have no documents for this money being loaned to me or whatever to date ... I 've tried to get the information on it and the only thing they can say is that all information provided over the phone will be used against me ... so I 'm reluctant to give them any information since they seem to me to be crooks - not to be trusted ... My bank says that they had a legal order ... So how do I find out what this original {$2000.00} this debt collection organization they said I owed is all about.
03/11/2017 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NM
  • 871XX
Web
I made contact to XXXX at Machol and Johannes, LLC on XX/XX/XXXX, at approximately XXXX inquiring about why my bank froze my funds. She had advised that I was served with a writ of garnishment on XX/XX/XXXX, from a debt report by XXXX. She said the writ was served at XXXX in XXXX New Mexico. She insisted that I was served with a signature at XXXX. I advised XXXX that I had vacated the unit in XX/XX/XXXX, and provided her with copies ( via fax on XX/XX/XXXX and by email on XX/XX/XXXX ) of a new lease indicating that I was no longer in the said apartment. She has not returned any form of communication indicating receipt of documents or for any resolution as she said the writ was delivered due to " bad service. '' and that she would have management to review my case. I have provided XXXX with more than sufficient evidence that the writ was not delivered to me personally or to any representing agents that I may have ( to which I have none ). I have informed XXXX that my employment position has been eliminated as of XX/XX/XXXX, and the funds that had been " taken '' from me was allocated to help pay for rent, food, and misc items. I have called and left her voicemails for her to return my call, but she has not once called me back to provide any form of indication regarding my case. My last contact was made on XX/XX/XXXX, with no further contacts. She has been provided with copies of lease agreements that were signed on XX/XX/XXXX which exp on XX/XX/XXXX for an apartment at the same address. BUT also another NEW lease indicating an entirely different address that was signed into an agreement on XX/XX/XXXX, which expired XX/XX/XXXX. These agreements should indicate that I NEVER received any writ of garnishment. Since my assets have been frozen, I have n't been able to live sustainably as constant uncertainty with income has become an issue. unsure of where my next meal will come from, and if I 'll be able to pay rent has become a concern. I fear that her lack of response, and with my situation, I might lose my home and be left on the streets. I again have no income as of XX/XX/XXXX. I am awaiting Unemployment Insurance, but that will not suffice to pay rent, food, utilities.
02/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • OR
  • 973XX
Web
On XX/XX/XXXX a Lawsuit was filed against me by XXXX , XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by XXXX XXXX XXXX : Attorney XXXX XXXX. The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. In the mean time a new Attorneys Office Machol & Johannes has been contacting me regarding the same account claims from XXXX , XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. XXXX XXXX does not respond to the information and claims that The XXXX XXXX XXXX is who to talk to, and they are unresponsive. In calling Machol & Johannes they are still harassing me for the same case that the court closed. I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The XXXX XXXX XXXX : Attorney XXXX XXXX or Machol & Johannes, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.
02/12/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OR
  • 97219
Web Servicemember
I was garnished in the summer of XXXX by Machol & Johannes LLC who represented XXXX XXXX XXXX regarding an unpaid credit card. The balance of the debt was {$3000.00}. The garnishment totaled {$2500.00} dollars, and ended on XX/XX/XXXX. A payment plan was setup to pay {$200.00} a month for the remaining balance. The first payment began on the XXXX XXXX. I assumed the payments would discontinue after I satisfied the debt in full. They did not, and I had to revoke the payment plan in XX/XX/XXXX. When I contacted the Machol & Johannes LLC ( aka debt collector ) on the over payment there stance was until they actually receive the money from the garnishment, the balance will not change. It is Machol & Johannes responsibility to request the money from the courthouse. They have sent me letters periodically about paying the debt, and I contacted them again by phone XX/XX/XXXX regarding the debt. They still had not requested the money from the courthouse a year later. The latest letter I received from the debt collector was dated XX/XX/XXXX stating that I still owed {$2300.00} dollars, and they would settle with a lump sum payment of {$1100.00}. I contacted them on XXXX XXXX and they had no record of the garnishment money. I contacted the courthouse and was provided with a copy of the Judgement on Answer And Order to Pay which was filed by Machol and Johannes LLC on XXXX XXXX for the amount of XXXX. I was also provided with a copy of the check for this amount which issued on XXXX XXXX and mailed on XXXX XXXX. They state they have not received the check. I confirmed with the courthouse accounting department on XXXX XXXX that my garnishment account still has {$860.00} that has not been requested from the collector. When I informed them of this, they state they have no knowledge of the additional monies. They continue to misrepresent the amount I owe them and have kept this account alive for almost two years after all monies have been paid in some form. Machol and Johannes LLC currently owes me {$280.00} as I have overpaid on this debt.
11/04/2019 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90277
Web
I received a notice from XX/XX/XXXX letting me know a Debt Collector - Machol & Johannes LLC Attorneys At Law - Representing XX/XX/XXXXhad re-added negative remarks to my credit report, reporting I owed them XX/XX/XXXX throughout XX/XX/XXXX from an account opened in XXXX, after XX/XX/XXXX had already confirmed this account was fraudulent and due to identity theft. This is not my debt. This debt was due to identity theft and this account was used/opened fraudulently. I had already requested this account to be closed in XXXX withXX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX due to several unauthorized fraudulent charges being made due to my credit card/identifications being stolen and identity theft. I initially resolved matters throughXX/XX/XXXXin XX/XX/XXXX, submitted a police report and Identity Theft Statement via the FTC. Experian was able to initially remove thisXX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX from my report confirming this was due to Identity Theft. ( Please see the attached notices from XX/XX/XXXX below XXXX. However, this same creditor, XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX has since then fraudulently re-added a new account under my name without my authorization and with Debt Collectors - Machol & Johannes LLC Attorneys At Law- stating I owe them the same amount ofXX/XX/XXXX. They are stating I opened an account now in XXXX ( which is false as I have not ever opened an account with this Merchant in XXXX ). They have also changed the original inaccurate non-payment period from XXXX to now XXXX and is continuing to report I am late on a payment I do not owe and this is a fraudulent account with fraudulent charges. ( Please see attached Police Report and Identity Theft statement, as well as the notice from XX/XX/XXXX confirming they had already removed the initial account with the initial ( inaccurate ) non-payment remarks from XX/XX/XXXX XX/XX/XXXX I would appreciate your help with this. Thank you,
10/26/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CO
  • 810XX
Web Older American
I am so sorry to have to contact you again, but I am having an issue again with the debt collector MACHOL & JOHANNES, XXXX XXXX XXXX, XXXX XXXX, XXXX CO XXXX. XX/XX/2015, you assisted me in reaching settlement with this debt collector. At that time, I informed XXXX XXXX XXXX, that I could give them {$4000.00} to clear this debt and remove the lien from my home. XXXX XXXX spoke with his supervisor and was told they would only accept {$7000.00} to clear this debt and remove the lien. I did n't have that amount so I settled for payments of {$100.00} a month, beginning XXXX XXXX, 2015, with no interest being charged. I have never missed a payment. On Friday, XXXX XXXX, 2015, I called XXXX XXXX XXXX at ( XXXX ) XXXX, and informed him that I now had {$6000.00} to be used to clear this debt and release the lien on my home. I told XXXX XXXX that his supervisor wanted {$7000.00}, but I asked XXXX XXXX to ask his supervisor if he would accept the {$6000.00}. XXXX XXXX said he would speak to his supervisor and would call me back, and could he leave a message if I did n't answer. I did not hear anything from XXXX XXXX, so on Tuesday, XXXX XXXX, 2015, I called XXXX XXXX and left a detailed message for him to call me back with an answer regarding the {$6000.00}. I got no response, so on Thursday, XXXX XXXX, 2015, I again called XXXX XXXX and left another message for him to call me back regarding the {$6000.00} to clear the debt and release the lien from my home. As of today, XXXX XXXX, 2015, I have not had a response from XXXX XXXX by with a phone call, message, or by any written communication. All I want, is to know whether or not they will accept the {$6000.00} to clear my debt and release the lien on my home. How hard is it to answer that question? Thank you in advance for any assistance that you can give me in this matter as I ca n't seem to get any type of response from this debt collector. /XXXX XXXX
02/10/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NM
  • XXXXX
Web
1. In addition to not receiving notice of right to dispute, 2. The law firm Machol & Johannes LLC is repeatedly submitting legally insufficient filings to the Defendant ( s ) they serve 'Complaint For Money Due. ' For example, in order for the 'Complaint for Money Due ' to be legally sufficient their filings fail to comply with Rule XXXX ( XXXX ). Machol & Johannes LLC did not attach alleged contract to the complaint, as required by New Mexico law, nor did they serve the alleged contract with the complaint. Therefore, it is legally insufficient if the 'Complaint for Money Due ' does not have the alleged contract attached. They MUST be served together to be legally sufficient. Machol & Johannes LLC does not comply with Rule XXXX ( XXXX ). They do not attach the alleged contract to the 'Complaint for Money Due ' that results in their improperly serving Defendants. 3. Machol & Johannes did not prove ownership that it is the holder in due course thru chain of title, as also required by law. 4. Instead, Machol & Johannes attached their XXXX Offer Form to make payment arrangements to 'Complaint for Money Due ' that was served to defendant instead of the legally required alleged contract. This is a deceitful business practice and an attempt by Machol & Johannes to make their payment form appear like a 'legal ' document. This is shameful that the New Mexico courts, do not carefully review how Machol & Johannes are serving defendants. 5. Machol & Johannes take advantage of Defendants who are not represented by attorney because they assume Defendants do not know the laws and or court rules. 6. Machol & Johannes attorney, XXXX, continued to send me excessive emails after I notified her not to contact me via email due to security/privacy issues. XXXX ignored numerous emails to discontinue communication via email and to continue to contact me by regular mail instead.
12/09/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • UT
  • XXXXX
Web Older American, Servicemember
I have a Judgment against me XXXX XXXX XXXX XXXX, Civil Action No : XXXX, amount of Judgment {$850.00} plus interest. From XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. My girlfriend got a letter from XXXX XXXX dated XXXX/XXXX/XXXX, notifying her that a hold has been placed on her safety deposit box at XXXX XXXXk located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The reason for this was because my name is on her safety deposit box, which has her family property in it, nothing in there is mine. I called XXXX XXXX XXXX who is handling this for XXXX XXXX XXXX, the account in question has been closed for over a year, there is a liquid money debit card assigned to that account which has also been frozen, I explained to XXXX XXXX that all my money at that bank is Social Security monies, he told me that I had to send him the last 3 months checking account statements, that they would look at them and then decide if they would release the block. I myself have a safety deposit box there also which has been blocked from, they can have it as it only has 4 XXXX half dollars in it. I also explained that according to Section 207of the Social Security Act ( 42 U.S.C.407 ) states " The right of any person to any future payment under title shall not be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or orher legal process, or to the operation of any bankruptcy or insolvency law ''. Subsection XXXX or XXXX do not apply to this matter. He also refused to accept my award letter as proof from the Social Security Administration.
09/28/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98532
Web
I am sick and tired of being called " Invalid '' when I am telling the truth and they are breaking the law. It is an insult to be called " invalid ''. Apparently when you ( me ) have all the documentation that you are telling the truth and you have been wronged ( and you sent it on to these " people '' on more than one occasion ) you are " INVALID ''. 2nd letter from these " People '' today a complete rerun of the letter sent to me dated XX/XX/XXXX, once again calling me " INVALID '' I am NOT CALLING YOU and you are NOT TO CALL ME. This can be taken care of IN WRITING. I have asked them to send me a offer in writing that would resolve this issue and it hasn't seemed to compute with them. I have gotten no offer in writing, and I have not gotten any verifying information that THEY promised to send me in their first letter dated XX/XX/XXXX. All I get is the same letter over again that says I am " INVALID ''. They already judged me, discriminated against me, and developed complete bias against me even before the letter I sent them disputing the amount. They show no interest in making things better and they have already decided that I am a scumbag. Nothing I say ( all the truth ) makes no difference with them. I truly believe that they never read anything I write or look at any of the proof I sent them. They are totally and completely discriminating against me. It does no good to send them any of my proof because they are discriminating against me. I want this resolved and these people and their sticky fingers out of my personal information, my credit, and my life. Send me an offer IN WRITING ASAP that will resolve this issue permanently.
12/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80227
Web
These are two debts that I do not know or can not confirm were mine. it has been approximately 10 to 12 years ago. I was divorced approximately 12 years ago and any accounts at that time were settled or agreed to a payment plan for our dissolved business and personal accounts. Now this company whom said they served papers to me but did not.. ( it is possible they served them to my son of the same name ) The debts are # 1 ) XXXX credit card # 2 ) XXXX XXXX or XXXX XXXX ... this debt is not mine. Or at least I have no recollection or proof of it. Now the collection company said they served me papers and have an old judgment ... they have attached my bank account for $ 2800+ For a debt that they say is over {$15000.00}. it is again very old and the other one is also very old there is no proof that these accounts are mine ... the company has not sent me any proof original signatures etc. they are only relying on they have a judgment that was granted to them. I believe with improper or illegal service of court papers. I do have a XXXX card and it is on my credit and I have made every payment as agreed this is an additional card that was close at the time of my divorce. I do not believe I owed two XXXX cards..I would like this company to remove both of these debts because their collection practices are being handled improperly. At first they scared me and I wasnt sure what to do ... I am confident now after speaking with the CFPB and the FTC they should be removed and collection attempts should stop as well as the company should reimburse any funds garnished/attached from my account.
03/18/2021 No
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 801XX
Web
In XX/XX/2020 I was notified of a wage garnishment for a Federal Student Loan. Fast forward to XX/XX/2020 and I finally pay off the debt. Then my paycheck gets hits for another {$420.00}, I call and find out the collection agency closed my account and submitted my file as closed and paid off but they never bothered to send a letter of debts paid to my employer. I call almost every day and am constantly told it's in progress. My next payday ( two weeks later ) comes and I'm garnished ANOTHER {$420.00}. Still, in progress, I'm fuming mad but every rep I talk to assures me that they will send me a refund on any overpayment and I have no worries just to be patient. Two more weeks go by and it's 1 day before payday and I am finally told by my employer that they got a letter and they will now stop the garnishments. A month goes by and I never see a refund check. I call and I am told that my refund check for close to {$850.00} was not sent to me it was forwarded to a " Client ''. The reps I talk to say they can not tell me why I didn't get the check that I had to talk to an attorney. The attorney at the agency will not contact me, I have filed a XXXX complaint but have not heard back. Their " Client '' is XXXX and from XXXX reviews is another debt collection agency that people like me will never get a hold of. Their phone lines tell you to leave a message they " are not accepting calls due to the state of the nation. '' They have no contact information. This firm drug their feet to stop my garnishment, took my money for the debt I had already paid and will not return it
04/30/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 802XX
Web
It is absurd this law firm is permitted to function. They do and say whatever they want and the court just rubber stamps whatever they file. For one, they made publicly available every single credit card purchase I ever made. My case is not the only case this has occurred in. I know, because I went to the county court house and obtained credit card statements for these individuals and only the account number of a charged off credit card was redacted. This seems like a much larger violation of my privacy than the XXXX XXXX scandal. If this isnt illegal, then Congress seriously dropped the ball because the banking industry is regulated! Secondly, the fees on multiple writs they filed dont add up. The first writ filedXX/XX/XXXX costs are {$80.00} more than the affidavit of costs. Why when the fee for filing a writ is {$45.00}? The second writ lists costs are {$10.00} more than the first. Again, why when the filing fee for a writ is {$45.00}. On the third writ costs are {$150.00} more than the first writ. Again, why? It baffles me the court approves these writs when they do not have documentation to support the amounts listed. Finally, or at least the final complaint I am putting here, is they garnished {$280.00} from me and I have not been able to get confirmation this has been applied to my debt. Quite the opposite, I received a letter from XXXX XXXX claiming the balance is {$3200.00} only {$80.00} less than the writ served on my employer. I sent a letter to Machol and Johannes on XX/XX/XXXXrequesting verification of the balance and they have not responded.
10/02/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • WA
  • 993XX
Web
This is a case of a debt collector sending a written communication that looks like or is falsely represented to be an official document from a court. Someone knocked on my door XX/XX/2018, to deliver a pleading allegedly filed by XXXX XXXX XXXX, XXXX : " Complaint for Money Due on Credit Account '' and " Summons ''. While the Complaint does describe the credit account purchased by XXXX ( a debt collector ), in the amount of {$2600.00}, and is apparently signed by an attorney at Machol & Johannes , LLC, the documents did not include a copy of the Proof of Service and neither the Complaint nor the Summons include a Case Number given by the Court nor the Court Clerk 's stamp ; thus, the Complaint does not appear to have been actually filed and is not an official document or official copy of a document from a court. Additionally, both pleadings are dated XX/XX/2018, even though they were " served '' on me much later. Without a Proof of Service, I have no evidence that my response to the Summons would be filed in time. I also have no Case Number. Further, at the bottom of the Complaint, below the attorney 's signature, reads the statement, " This communication is from a debt collector and is an attempt to collect a debt ; any information obtained will be used for that purpose. '' That statement is not typical of legal pleadings of any kind. The attorney 's office also included a document to set up payment arrangements with Machol & Johannes regarding the debt. Wouldn't you try mediation before suing me?
11/04/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 80104
Web
For approximately the last year, the law firm of Machol & Johannes , LLC has been repeatedly contacting myself and my parents in an attempt to collect a debt that I do not recognize. Per the office, their client obtained a judgment against me in 2010 ; however, neither myself nor anyone at my place of residence was ever served with any paperwork to notify me that I needed to appear in court. Each time the law firm calls, I ask them what the debt is for. On several occasions they have stated it was a credit card for several XXXX dollars. I have never had a credit card with a limit higher than {$1000.00}, if I remember correctly the highest limit I have ever had is {$750.00}. I offered to discuss payment options if the firm provided me proof of service and verification of debt. I have requested XXXX these items multiple times and the woman I speak with, XXXX XXXX, refuses to provide me any additional information. She has raised her voice at me, hung up on me during our conversations, and not returned my calls when I request additional information. If this is a debt that I do owe I am willing to attempt to make payment arrangements ; however, I am not going to blindly send in money to a law firm without any documentation evidencing where the original debt was originated, details of the dollar amount that I owe, and proof that I was served paperwork and given the opportunity to appear in court as I was never made aware that there was the possibility of a judgment being entered against me.
03/15/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92626
Web
I have an alleged debt with the company Machol and Johannes. They are a law firm that holds my alleged debt that i previously allegedly had with a credit card company. I fell on hard times and was medically unfit to work so I couldn't pay the debt, in the event that it is mine since they have failed to provide any kind of verification for it. Now, I have a job, and I want to pay any verified debts i may owe. However, after phone calls from them, and my information displayed on their website saying I owe them $ , I sent them a debt validation letter through certified mail with a return receipt. I sent this letter on the XX/XX/XXXX, and they received the letter on the XX/XX/XXXX. I have not received a response as of yet. I was under the impression that they were required by the law ( fair debt collection practices act ) To respond within 30 days. It has been well over that. I can provide any other info you guys need. I don't have all the phone calls, but there were a decent amount. I just want them to validate their debt, but I do not find it fair that my debt is continuing to increase when they will not respond to requests to validate the debt so I know I actually owe it to them. I am in a state of being unable to pay them due to their inability or failure to verify it, meanwhile I am making them interest money. More precise details are below in the attachments i provided. Here is the name and address of their business. Machol & Johannes LLC XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX
08/22/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98366
Web Servicemember
The xompany in question XXXX XXXX XXXX XXXX locaye in XXXX Colorado has violated the laws repeatedly. This office in XX/XX/XXXXand XX/XX/XXXX filed a suit against me for a debt that i do not owe them. I had health issue that are not for this company to know i was not able to go to court. More surprisingly this comoany never validated this debt, This company has never submitted a contract bearing my name and the company listed above that says i agree to pay them a debt. XXXX XXXX must validate a debt before any collection activities should conitnue. I challenged this company to prove that i owe rheri company the debt in question and they havent. Furthermore this company has ruin my good credit rating they have caused me to close one of my bank account In XXXX XXXX XXXX, theu have taken money out of my XXXX XXXX XXXX XXXX account, this is nothing but a form of fraud, they have caused me embarassment, continued stress and have shown willful intent to destroy my credit rating. This company preys on consumers not knowing the law, but i am XXXX and bu federal law this company violated my rights my going into my accounts, this fraud and i take this very serious. This company isnt owed nothing from me, they have damaged my credit score, still not providing a signed contract between the above comany and myself. This co.pany listed above has violated the laws of the FCRA, FCPA, and this is unacceptable as a usa citizen. I
05/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80027
Web
This company sent me a Court Summons right after I submitted a letter requesting validation, so they didn't give me XXXX days to request validation. They took legal action. They are saying they received a blank letter but I have proof of the letter I sent, and all were sent certified mail return receipt ( As you can see in the attachement ) The letters has blank pages between them to separate the information. This company sent me validation for a debt that is not mine. The bill of sale is not under the name of this company, as you can see is under another name, my name or signature is not there either anywhere!!, and the INCREDIBLE THING is that this bill of sale that was used to summon me to court was made and signed a year before the account they claiming I owe, was even opened. It is impossible that a Bank sold an account to a collector a year before the account was even opened with the bank. This company is falsifying documents to claim I owe them money. How is it possible you summoned me to court with a document like this? Attached is the proof of some documents they sent me with the bill of sales under another 's company name and was signed in XXXX XXXX!! I want this company to cancel that summons immediately and stop collecting a debt they don't own and I don't owe to them. Otherwise, I will submit proof that I don't owe this debt and will put my case with a lawyer to demonstrate you are violating the law.
02/09/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 980XX
Web Older American
I had purchased windows financed through XXXX XXXX Bank for the amount of {$10000.00} around XXXX. I made payments, until the economy started collapsing, my daughter lost her job and I was trying to support XXXX households, so I made sporadic payments when I could, knowing this was a legitimate debt that I owed, even though the home had been foreclose on, it was still my responsibility to pay. I received in XX/XX/XXXX what was presented as a summons for a lawsuit filed in Washington State XXXX Court as an attempt to collect a debt, from Machol & Johannes , LLC. The date to respond had passed before I received it. There is no court stamp. However, since I did owe the debt, I called them, and we set up payment arrangements. The balance owed was {$11000.00}, plus interest, and costs of the action, etc. I spoke to XXXX XXXX and was told that if I started paying immediately, no finance charges would accrue. The amount now owed was {$13000.00} I have been paying on this account since then, there have been some missed payments, however I made them up with double payments. Each time my records show I am close to payoff and I call them, now speaking to XXXX XXXX, the payoff amount is usually double or triple what I think it should be. I have as of this date paid a total of {$16000.00}. Not counting the amount paid to the original loan holder. I 'm now told that I my payoff balance as of XXXX XXXX is {$6800.00}.
11/04/2016 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • WA
  • 98177
Web
Back in XXXX, when I was still in college, a letter was sent to my mother 's home address stating a company named XXXX XXXX had been had been awarded a civil suit against me in XXXX County Court, Indiana, on the grounds that I did not appear. I was never informed of any court date, was not living in XXXX County, Indiana, and to this date have no idea who XXXX is, or why they think it is I owe them money. As such, I have not paid them. In this foul year of our XXXX XXXX, thirteen years later, I am now being harassed by Machol & Johannes, a law firm known for their unscrupulous behavior and slimy tactics. They have been doing so for a year now, and continue to send me letters inferring that they are filing a civil suit against me in my local county for a time-barred debt. They 've even gone so far as to provide fake XXXX County case numbers that do not exist in the XXXX XXXX XXXX records search. This is clearly against my rights under the FDCPA. Judging by the numerous complaints about this so-called legal firm, this is n't the first time they have done this. By providing fake civil suit numbers and feigning threat of a lawsuit, Machol & Johannes is bullying it 's victims by preimptively awarding itself " judgement '' ( they use that word frequently ) a priori. They falsely represent themselves as an authority of the court by invoking the County 's name throughout their letters.
02/03/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • WA
  • 99206
Web
On XX/XX/XXXX the account that I share with my wife had a legal hold applied. The company XXXX XXXX XXXX filed a lawsuit and somehow got judgement granted. I was not notified of this court proceeding, nor was I contacted via telephone, email or postal or process server. I called what appeared to be a law firm call center for Machol & Johannes LLC and spoke to a customer representative and he told me that on XX/XX/XXXX of XXXX a process server came to my home and served me. I was not home and did not get any paperwork. I was informed that a Hold was placed on my account and that the amount of {$1500.00} was to be paid. I recently found out that the hold will not be removed until XX/XX/XXXX. They have taken 114 % of my wife 's paycheck leaving us with nothing to pay our bills, gas in our vehicle, or buy food with, in fact payments that have been previously scheduled will still come out over-drafting my account because any funds that I deposit will be held. When I explained that to them I was told there is nothing that can be done. There is going to be a lot of NSF fees coming because of this issue, this is also jeopardizing the account that we have held in good standing for approximately 12 years with XXXX. I looked up the case number that was provided to me by XXXX, this judgement was apparently determined on XX/XX/XXXX and as of yet I have still received NOTHING.
05/09/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • UT
  • 84401
Web Older American
Dear XXXX I am responding to your contact about a debt you are trying to collect. You have identified the debt as " XXXX XXXX Bank, XXXX ". I received your notice via my land lord __________, the notice was not in a seal envelope, and was given to a XXXX Veteran who has XXXX and is confined to a small living area above my basement conversion apartment that I rent and use when in Utah. I am not sure on the date received or how long he had it on his coffee table. It was upsetting to him and I like my personal business mine. ______ said a man in a truck banged on the door and handed it to him when he finally was able to get to the front door and open it. I will protest this method of delivery. XXXX XXXX XXXX XXXX ] XXXX ( b ) " Illegally inform a third party about your alleged debt '' Unless you have expressly given permission, collectors are not allowed to inform anyone about your debt except : Your attorney The creditor The creditor 's attorney A credit reporting agency Your spouse your parent ( if you are a minor ) [ XXXX XXXX XXXX ] XXXX ( b ) How long do I have to respond? Utah Rules of Civil Procedure require that a response be made within 21 days of service. The 21 days begins the day after you were served the Summons and Complaint. Weekends and holidays are included, but if day XXXX is a holiday or weekend then the response will be due the following weekday.
07/19/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 810XX
Web Older American
Recently, I read that you are investigating complaints against XXXX Bank. In XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then in XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX bank. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX Bank and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement.
07/12/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 810XX
Web Older American
Recently, I read that you are investigating complaints against XXXX XXXX. XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX XXXX. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX XXXX and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement.
04/03/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 98531
Web
Machol & Johannes : On XX/XX/2018 they froze {$320.00} from my bank account. I called them and said there was a court order against me. Said I owed $ $ from a judgement. ( I didnt receive paperwork they were trying to collect ) and my check would be garnished. On XX/XX/XXXX the paper work was finally filed but I didnt receive it until XX/XX/XXXX. Paperwork said I owed {$1500.00} When I called them they said I owed {$1400.00} and couldnt explain the difference. I asked about the {$320.00} and they said the bank hadnt sent it to them yet. I called the bank. They said they never received paper work to release and had actually called Machol & Johannes about it but never received a reply. Then my pay check was garnished. They took an additional {$1000.00} out. Then the garnishments stopped. I assumed I was paid up .... I called today to find out why I havent had a receipt and they said I owe {$1600.00}. Theyre still waiting to be paid from the garnishment. I asked why it went up and she said court costs and garnishment costs. I asked for paperwork showing a ledger. They are not providing me with documentation. And continue to change what I owe without showing why. You also cant get a hold of them with the number in the paper work. It just hangs up.
08/26/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • CO
  • 80207
Web
In XXXX XXXX, a default judgement for {$16000.00} was granted to XXXX XXXX XXXX against me based on a supposed XXXX debt. In XXXX XXXX, I filed a complaint with the CFPB ( Case number : XXXX ). I contested that this judgment was not obtained legally because I was not served in this matter and was not given the chance to defend myself. I supplied evidence that I was not in XXXX when the process server claims to have personally served me. I have previously submitted an affidavit from my employer and supporting financial documents to CFPB showing that I was in XXXX XXXX, CO ( XXXX miles away ). After receiving this information, attorney for the plaintiff, Machol and Johannes, did not ask the court to set aside the judgment. Instead they sent me and the court the process server 's field notes. The notes and service affidavit have an inaccurate physical description of me. Not only did the process server lie about serving me personally, she ( or someone with access to this information ), forged my signature on her notes. Whomever signed as me on her field notes made a poor attempt to copy my signature from the XXXX promissory note. I have included my Driver 's license & a lease to show what my signature looks like.
02/02/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NM
  • 880XX
Web
My bank account was emptied and a bank fee was charged this account, due to a Writ of Garnishment dated XX/XX/XXXX, this is all coming from an alleged judgement that is over 10 years old in which I was never given service or notice and a default judgment was entered on XX/XX/XXXX in New Mexico District Court, but I was never informed or given notice of a Complaint or Judgment. After Ten Years and Eight Months with no contact or collection activity on XX/XX/XXXX attorney XXXX XXXX XXXX, filed to reopen the court case against me after Over Ten years after the Judgment was given and this same attorney filed an application for Writ of Garnishment, the judge issued the writ and my savings account was emptied. I have never received any notices from this court or attorney and this alleged judgment was filed without my knowledge. The Bank has now given me a collection agency Name and Number that I am to contact if I have any questions, this company is Machol & Johannes , LLC. ( XXXX ) XXXX. I believe the judgment is expired and invalid, the alleged debt is being illegally collected and the collection agency is trying to collect on a debt illegally without notice that has long since expired or is noncollectable.
03/12/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CO
  • 80033
Web
Machol and Johannas never served me papers complaint or summons regarding the judgment they put against me. they said they served a XXXX year old XXXX XXXX XXXX. I have no idea who they actually served. Being I am a female, single mother, my child is a female as well and she's only XXXX. No one else lives or resides in my household. So again I have no idea who they actually served if they served anybody at all. They took away my right to resolve this issue. According to the Fair Debt Collections Practices Act if a collection agency has sued you without giving you the mandatory 30 day notice to dispute the validity of a debt then that is a violation of the Fair Debt Collections Practices Act. If the collection agency or collection attorney never allowed you to dispute the debt upon receiving their first notice, then the judgment would be entered in error. They put a hold on my bank account and are now trying to garnish my wages at my work. When you call to talk to someone no one answers nor do they call you back, they don't respond to emails, or complaint emails submitted to the business. This is very unprofessional and is bad business. With all these complaints why are they even still in business?
07/17/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CO
  • 801XX
Web
Previous complaint ID : XXXX Previously, I had compained that Machol & Johannes had sent confidential material to a third party. Their response at the time was that they had to do so because it was required by law to send it to my physical address. However, since then, I have been able to review past court documents and can prove that Machol & Johannes VIA THEIR OWN CERTIFICATE OF MAILING that they were able to send materials to my XXXX XXXX , which is where I get my mail. I discovered that they sent this confidential information to my father right after trying - and failing - to garnish his bank account. I believe they were either trying to trick him or delay my ability to respond to the garnishment. New complaint. That 's related to my current complaint : They just simply did n't send the required legal notices this latest time they levied a bank garnishment. They did that on XXXX XXXX , 2017. I discovered via court records that they filed related documents. But this time there was no Certificate of Mailing because they did n't send me anything - I found out about the garnishment from my bank. I have been doing research and the company has a long history of such practices.
10/15/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • CO
  • 80247
Web
I owned to XXXX XXXX {$2200.00}. I am paying each month for {$100.00} to be free from my debt. All my payments I 'm sending to XXXX XXXX. Last payment I did at the end of XX/XX/2016. Back in XXXX I was short with a money and I missed my payment just 10 days. Then I applied for fast cash loan in order to pay my bills, and get it on XX/XX/2016 on my bank 's account. XXXX days earlier at my work place show up the men from Machol & Johannies LLC office, showing the court paper and my debt amount in front of all people. He told that I 'm not paying any money regarding my debt. I was confused. It seems that I live at my work place and do n't have a house where I could private to solve this problem, but not in public. A few days later, my bank 's account was garnished by Machol & Johannes LLC office. They took all my loan in amount of {$300.00} as legal processing fee, leaving my account with {$0.00} balance. .please, help again. i agree to pay each month, until I 'll be debt free, but this practice is not acceptable by me and at the same by Colorado state law. There is a percentage that you can be removed from the account when the client does not pay at all, but not 100 %. Thanks in advance
01/18/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CO
  • 80239
Web
On XX/XX/XXXX I received a bank levy on my XXXX account for an old and outdated debt. The original creditor was XXXX XXXX. This account has been charged off for over 8 years. The status of limitations is 7 years in The State of Colorado. The debt was then sold to a company called XXXX XXXX XXXX XXXX. I notified them that the debt exceeds the Federal time limit to collect. They stated fine, we will just sell it to a collections Attorney. The sold it to a collector by the name of Machol & Johannes. They claim they personally served me with paperwork concerning this old and out dated debt. That is 100 % false as I was never served with this paperwork. If they are Attorneys, they should know this debt is uncollectable and they owe me my money back. If you look at the Colorado BBB and Rip Off report, this is a constantly reported complaint action of this law firm. They collect illegally by stating they tried to reach a consumer or lie that they actually delivered this to the consumer. I want my money back and for them to cease & desist, along with cancelling any pending court date attempting collection for an old debt. Please look into class action against this firm.
03/30/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CO
  • 809XX
Web Servicemember
In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my XXXX XXXX Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX. Now, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement.
07/25/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NM
  • 87106
Web
On XX/XX/2017 I was served at my daughters house ( I do n't even live there ) with a summons of a propose lawsuit in the amount of {$2200.00} from an attorneys office : Machol and Joannas LLLP XXXX XXXX XXXX. XXXX XXXX NM XXXX ( phone # XXXX ) and the XXXX District court in XXXX County NM Case # XXXX I responded immediately to the courts and to the attorneys office requesting documentation to support this financial claim, Today ( Dated XX/XX/17 ) I received communication from this attorneys office stating that " The Client ( XXXX XXXX ) has reviewed and investigated your fraud claim in relation to this account and determined your dispute invalid '', this debt collector supplied absolutely no supporting documentation. This is not my debt, I do now owe this money. I am being threatened and dragged through courts for something that I am not liable for thanks to Machol and Joannnas, unscrupulous attorneys office on behalf of a unscrupulous debt activities attempt. I can send or scan all relevant supporting du=documentation to you as needed or requested, Thank you ... XXXX XXXX XXXX email : XXXXXXXXXXXX mailing address : XXXX XXXX XXXX XXXX XXXX, NM XXXX
07/16/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CO
  • 802XX
Web
I continue to receive debt notifications from Machol and Johannes, despite my numerous attempts to verify the debt. In response to their initial collection letter, I replied with a request to verify was sent on XXXX XXXX, XXXX and XXXX XXXX, XXXX ( I have documentation to support my claim ). I did NOT receive a response with the verification that this was my debt and have not heard from them until recently. On XXXX XXXX, XXXX, Machol and Johannes sent a collection notice to an old family address in XXXX. It was to a residence I 've never lived at, as I have not lived in XXXX since XXXX. It was through various sources I found out about the collection notice, which was sent to a XXXX party. The only logical reason for them to contact an old family address is that the statue of limitations in XXXX is XXXX years in my resident state of XXXX. Another concern is if they take this alleged debt to court, there is no way I will receive the notice, as I do n't live in XXXX and have no family living at the address they are using -- and I will not have the opportunity to present my evidence disputing the claim.
08/08/2019 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CO
  • 80817
Web Servicemember
XXXX XXXX Machols & Johannes LLC was asked to validate the said debt in the amount of {$1000.00} and {$660.00} which they are currently reporting on my credit report. Each time they sent me papers that only is a statement of account that has been later found to have a fraudulent signature on them. The head accountant on XXXX signature was on the account information they sent me when my attorney contacted him he had no knowledge of it. Bankers can no longer robo sign documents as the case pending with the DOJ now against several big banks. They have yet to send me any actual proof with my signature on it tying my to the debt. Under the New UCC Laws and, because of the previous XXXX XXXX Scheme debt collectors must provide original contract of debt. In which this company has not and fail to do so. I've asked them for the past two years and they continue to report this information. My next step is court. They had had over 45 days to comply this information needs to be removed immediately along with the constant hard credit inquiry pulls they have been making on my credit report.
11/19/2017 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • WA
  • XXXXX
Web Servicemember
they served me what appeared to be court documents, but there was no case file. They were UNFILED court docs, but the letter with them said M & J had filed a lawsuit when, in fact, they had not. They were trying to scare me into signing an agreement. illegal service of fake papers is intimidation and I have a protection against such practices and my right have been violated by such practices. It was taken as a scare tactic by me but I went to Respond to the summons and low and behold there was no case. This was in XX/XX/XXXX. Fast forward to XX/XX/XXXX and I am being made aware of a levy put on my accounts from this company for {$8000.00}. They apparently filed the lawsuit after It was made clear that I wasnt going to be bullied, with the papers they faked me out with. They filed for an order of default judgment because of the appearance of no response, and then There was a default judgment made against me. I was not given a court date So I was not given the the proper means to fight these accusations being made against me because of the use of dirty tactics with this company
06/22/2020 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • XXXXX
Web
Debt has been paid in full plus overpayment. I reached out to them about the balance before it was paid in full because I knew it was incorrect but the did not respond. They also did not correct the issue. After I paid the debt in full onths later, they sent me a repayment check for the overpayment amount. However, the check was not able to be deposited bc their account numbers on the check are incorrect. After calling numerous times trying to get information, the account team found sent me a form to sign sayimg they would cut me a new check as long as I signed the form saying I would not try cashing the other check ( mind you it is fraudulent and not able to be cashed or deposited ). I signed and returned the form. SINCE I had been dealing with the issue for over 3 weeks I personally went to the office to pick up a new check. The new check they gave me IS ALSO A BAD CHECK!!!! The bank and the agemcy say it is a direct issue with theor account. I have since reached out via emails and phone calls. They will not return my calls. I am at a loss of what to do to get funds.
02/03/2017 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • MT
  • 59901
Web
Colorado XXXX XXXX XXXX requested a garnishment judgement on a time-barred debt. The credit card debt is from XX/XX/XXXX they filed a law suit for garnishment of my wages on XX/XX/XXXX past the statue of limitations of 10 years. I contacted the General Sessions Court-Civil Division in the State of XXXX. They indicated that the Law offices representing XXXX XXXX did not request an extension on the Judgment therefore they did not have grounds to file a judgment for garnishment.The original judgement was in the State of Tn they requested a foreign judgment in XXXX State. I was never notified of this law suit so that I could file an objection. The notice that they sent was sent to an address in XXXX State I did not and do not live there. I was never served so that I could appear in court. They received a default judgement for a debt that was too old to collect on. I do not believe this debt is mine so I contacted the Law offices to get validation of the debt on XXXX I still have not received debt validation. I believe this was a case of identity theft.
04/29/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • OK
  • 73505
Web Servicemember
-Entered into debt management company XXXX XXXX XXXX on XX/XX/XXXX -Served with notice of suit on XX/XX/XXXX by Machol & Johannes LLC . representing XXXX XXXX XXXX ( XXXX ), XXXX -The debt management company was receiving payments for the debt to XXXX XXXX and forwarding payments to XXXX XXXXMachol & Johannes LLC in the amount of {$85.00} -Signed a stipulation agreement document agreeing to pay the debt through the debt management company on XX/XX/XXXX -Machol & Johannes LLC . wanted additional funds in the amount of {$90.00} to be deducted directly from my checking account ( I complied with the request ) -Machol & Johannes LLC . agree to this agreement and then on secured a judgment with XXXX County Courthouse on XX/XX/XXXX, while receiving the payments as agreed. -Contacted Machol & Johannes LLC . concerning the judgment and was basically informed that " there was nothing that they could do, oh, well. '' -The debt is now paid in full, however, there is a judgment on my credit report for a debt I had an agreement to pay.
02/15/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98092
Web Older American
I am being sued by Machols and Johannes debt collectors for a debt which occurred 25 years ago in another state and can not be verified by the debt collectors. I have made numerous attempts to see if this is truly my debt, but I could not find any evidence of it. I have not received a notification from Machols and Johannes to appear in court in a timely manner so I could defend myself. They are taking 25 % of my income every 2 weeks out of my paychecks. I am supporting a family of XXXX and it is a hardship on our family. I am being charged 23 % interest for the past 25 years without any proof this is my debt. The collection agency started to garnish my check in 2015, the garnishment stopped after they held it out 4 times. Then they re-started the garnishment in XX/XX/XXXX2016 but cont. to charge interest even for the time the garnishment was not taken. I do n't believe this is my debt at all and all the dealings are fraudulent. I do not have the money to hire an attorney, or I would have done so long ago. Please advise.
06/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CO
  • 80022
Web
Prior to XX/XX/XXXX, I sent via mail XX/XX/XXXX what I could afford. Received an email XXXX XXXX with a contract, that was not what I agreed nor stated I could pay. XX/XX/2021 I called both the courts as I was sent documentation to attend. The jail stated I did not have to come into court if I made arrangements. I made arrangements prior to the court date. The law firm sent over a contract that was incorrect from what we argeed upon. I called them XX/XX/XXXX and discussed via phone also to have a new contract sent out to me via email like they did originally and I would sign with the correct agreement. They stated tey had to type one up and they would sent out the " new contract '' that was agreed to via phone- phone recording. No agreement has been resent to me since XX/XX/XXXX. I have the email chain showing this. Since then I have not reiceved any further documentation, nor agreement that was discussed. They have marked non payment on my credit when there has not been an argeement,
10/20/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Problems caused by my funds being low
  • WY
  • 82001
Web
I was served a garnishment by a local law firm by the name of Machol & JohannesLLC. In speaking with them I specifically told them this was a case of fraud by a family member back XX/XX/XXXX. I provided them with proof from the XXXX Police department that I was a victim of identity theft. I showed them the proof of this and from each bureau for the card in question. The bureaus did a full investigation and deemed this as not mine and deleted the account immediately. I was told they would not sell the debt due to what happened. Companies like Machol & Johannes do what is called absentee judgments to try to scam people stating they knew of the serving etc.. It is common knowledge they look for easy prey. I am not easy prey but rather a victim of ID theft over 9 years agio which makes this debt uncollectable in that fact alone. I want them to drop this case as it is fraudulent reporting to the courts and exceeds time limits to collect. I want all {$720.00} taken illegally from my account.
06/01/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OR
  • 97502
Web Older American, Servicemember
On XXXX XXXX , I received a letter fro m Machol & Johnson LLC, Atto rneys at Law XXXX XXXX XXXX XXXX XXXX . XXXX , Co XXXX . It informed me that they were acting on behalf of XXXX XXXX XXXX and that I owed their client {$5700.00}. On XXXX / XXXX / 2017 , I responded with a certified letter exercising my rights under the FDCPA and Oregon State law. I did not admit that I owed the money and my income and property are exempt from sale or garnishment. I requested that they stop contacting me about this matter. This letter was received b y M & J, Attorneys o n XXXX / XXXX / 2017 . On XXXX / XXXX / 2017 , I received a letter fro m M & J, Attorneys sending me verification of the above referenced debt. The letter stated : " Pursuant to your request for verification of the above-referenced debt, we provide the following information from our client : '' At NO time did I request any information from M & J At torneys. Sincerely,
07/28/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 99362
Web
I have been paying on this XXXX XXXX account for 3 years. I have paid faithfully. Now that the actual principal has been overpaid by me, I have offered to settle 2 times. Both offers of settlement have been ignored. The original debt was only XXXX and I have paid almost XXXX to this date. The debt Representative XXXX told me last YEAR that he would not stop the interest on my account unless he was able to contact me by phone every morning before I leave for work. XXXX told me he needed to check to make sure I was working even though I 'm a XXXX worker and only able to work part time. They garnished my daughters bank account last year and received child support. I have asked 4 TIMES for a WRITTEN financial account off fees paid to me mailed to me and XXXX refused. For some reason, these aggressive debt collectors falsely believe that unless they speak to me on my personal phone, then they are allowed to ignore me. Please help me.
01/28/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • WA
  • 98012
Web
On XX/XX/2018, I am doing a settlement to XXXX XXXX XXXX , XXXX, File No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX using MACHOL JOHANNES LLC Attorney at Law but they are not a lawyer XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone # XXXX where I paid {$3000.00} from my Debit Card ending XXXX and it shows from my bank account that they received my payments. I called them today that they will be sent a printout receipt from their system. Now, I received another collection letter from another collection company name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX phone XXXX claiming a {$5000.00} don't want to deduct my payment {$3000.00}. XXXX XXXX XXXX , XXXX already removed my derogatory remarks from Credit report such as XXXX, and XXXX XXXX was already deleted XX/XX/2018. They advise me not to send a payment to XXXX XXXX, XXXX until they send me to collections and we have to file a dispute.
05/17/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • ID
  • 83642
Web Servicemember
In XXXX XXXX , I was in the process of applying for a home improvement loan and found that there was an unknown credit card through XXXX on my credit report. I had called and disputed the card and charges, which at the time was approximately {$2700.00}, and after that did n't think anything of it since I was told I would get a phone call if there were any other questions. In about XXXX of XXXX I called to check and make sure that there was no longer an active account in my name, at that time I was told that someone had called and claimed responsibility for the debt the day after my initial dispute. I continued to dispute the charges and they told me that since someone took responsibility the dispute will come back denied each time I put it in. I have received a collections notice from the agency representing them now and am still disputing the charges which are now {$2900.00}.
10/22/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CO
  • 801XX
Web
Machol & Johannes , LLC. intentionally sent a copy of a Writ of Garnishment to a third party, addressed vaguely so that it would be opened and read by someone other than myself. I am also certain it was sent to this address as a delaying tactic so that I would receive my mail late and be unable to respond in time to legal actions. On XXXX XXXX, 2013, I sent Machol & Johannes , LLC. a certified letter that included, among other things, very specific directions about how to contact me as I have a XXXX XXXX ( I live in a rural area ). The tracking number for the certified letter is XXXX XXXX XXXX XXXX XXXX. ( This letter also indicated that they were not to contact me by phone, which they have continued to do. ) I also included information about my mailing address in court filings. ( The court has had no trouble sending documents to the proper address. )
11/17/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 801XX
Web Servicemember
I submitted a request from Macho & Johannes LLC at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX and requested the balance on XXXX accounts that I am paying through a consumer credit counseling agency ( XXXX ). About three weeks ago I submitted this request and I have received no reply back. I am going to fax over the request today and I am providing you a copy of the letter below. XXXX XXXX 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. XXXX Toll Free : ( XXXX ) XXXX General Fax : ( XXXX ) XXXX XXXX XXXX XXXX. *********** XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Account Balances : I sent an email about three weeks ago requesting the balance to the following accounts ; XXXX ; XXXX ; XXXX. I need to show my employer that I am making progress on these items. As you know I am XXXX and this affects my clearance and my job employment. XXXX XXXX XXXX.
09/25/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 80003
Web
was contacted via mailing on XX/XX/XXXX by a collection / lawyer group. The agency '' XXXX XXXX XXXX XXXX XXXX XXXX '' were seeking payment from me for {$1500.00} for a fraudulent debt dating back to XXXX. This debt was resolved at that time by XXXX fraud services and after investigation removed the debt and others from my credit reports and supposedly from XXXXXXXX XXXX ( XXXX XXXX ) accounts. I immediately enlisted the help from XXXX XXXX fraud resolution services through my legal assistance program. Efforts to obtain fraud resolution papers from this collection agency resulted in two mailings of packets of useless statements and bills. This debt was obviously sold down the line without the resolution being noted, only to harass me once again. I need this laid to rest and not be sold off again to another " collector ''. fthank you.
08/05/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • TX
  • 79938
Web
On XXXX XXXX I had a lump sum {$1000.00} taken from my checking account from Machol & Johanas LLC. I was never notified of a judgment entered against me in XX/XX/XXXX for a balance of {$2000.00} that was owed to the University XXXX XXXX After being left without a dime in my account I was advised that I owed them {$11000.00} and that unless i entered into a payment plan wiht them they would continue to withdraw my funds. When I asked them what all of this was about and how I was i never notified, i was forwarded a letter that they claimed was served to me in XX/XX/XXXX at an address that I no longer resided at. She did not care simply said that they did have record that the notice was served. So now i dont know what to do ... Im a single mother paying this company {$100.00} a month for a balance that isnt even on my credit report.
11/17/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 801XX
Web Servicemember
I submitted a request from Macho & Johannes LLC at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX and requested the balance on XXXX accounts that I am paying through a consumer credit counseling agency ( XXXX ). About three weeks ago I submitted this request and I have received no reply back. I am going to fax over the request today and I am providing you a copy of the letter below. XX/XX/2016 Machol & Johannes XXXX XXXX XXXX XXXX XXXX XXXX CO. XXXX Toll Free : XXXX General Fax : XXXX XXXX XXXX XXXX. *********** XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Account Balances : I sent an email about three weeks ago requesting the balance to the following accounts ; XXXX ; XXXX ; XXXX. I need to show my employer that I am making progress on these items. As you know I am XXXX and this affects my clearance and my job employment. XXXX XXXX XXXX.
04/09/2017 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Impersonated an attorney or official
  • OR
  • XXXXX
Web
On XXXX XXXX, 2017 at around XXXX XXXX I was served with a lawsuit by a woman at my apartment, stating that I needed to appear in court. The document states, 'You must " appear '' in this case or the other side will win automatically. To " appear '' you must file with the court a legal document called a " motion '' or " answer ''. The " motion '' or " answer '' must be given to the court clerk or administrator within 30 days along with the required filing fee '. However, no court information was listed, in fact there was no contact information for the court at all and there is no official filing #. The only contact information was an attached form for an XXXX to pay by debit, check, XXXX XXXX or XXXX XXXX as well as a phone number to the offices of the company that was suing me. The company is Machol & Johannes , LLC.
03/13/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CO
  • 80033
Web
THIS IS MY 2ND COMPLAINT ABUT THIS MATTER. MACHOL AND JOHANNES, XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX. PUT A JUDGEMENT AGAINST ME WITHOUT PROPER SERVICE AND IMPROPER CORRESPONDENCE. PUT A LEVY ON MY BANK ACCOUNT TOOK MONEY AND TOOK IT INTO THE NEGATIVE AND ALSO PUT A GARNISHMENT IN PLACE AT MY WORK FOR MY WAGES. THEY ARE IN MULTIPLE VIOLATIONS OF THE FAIR DEBT COLLECTIONS ACT AND FEDERAL BANKRUPTCY LAW. THEY ARE SUING ME ON A DEBT THAT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY, I HAVE PROOF AND THEY STILL DENY IT. I HAVE REACHED OUT TO ALL OF THE LISTED CREDITORS THAT OVER SEE THIS ONE DEBT AND NT ONE OF THEM WILL WORK WITH ME ABOUT THIS ISSUE.ONCE THE DEBT IS DISCHARGED BY THE BANKRUPTCY COURT, THE DISCHARGE PERMANENTLY BARS THE CREDITOR OR DEBT COLLECTOR FROM COLLECTION OF THE DEBT -- -PER CFPB WEBSITE.
04/12/2016 Yes
  • Debt collection
  • Auto
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 99207
Web Servicemember
In XXXX XXXX I signed a payment agreement on an agreed judgment which included service fees, filing fees, and listed an interest rate of 12 % per year. As agreed, I began making monthly payments beginning XXXX XXXX, with the most recent payment being made in XXXX. On XXXX XXXX XXXX the company representative told me my balance was {$3500.00} more than what the initial balance was on the agreed judgment. I disputed this and she stated she would work with the legal team to get this resolved. I called the company to follow up on this on XXXX XXXX XXXX and the issue still was not corrected. At this time it was explained to me, the additional amount was attorney fees and other fees they forgot to put in the original signed agreement, and that she was n't sure when this would be corrected.
02/08/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 76108
Web
Machol and Johannes LLC, attorneys at law filed for a garnishment against my Father and Mother, out of XXXX Colorado, and received a court backed seizure of funds, however the funds seized were in accounts belonging to myself, who at the time was XXXX, and my Brother, who was XXXX, both of us are adults, and I do not even reside with my parents in Colorado, However my entire savings account was seized, {$830.00} dollars was taken out without my knowledge, while my brothers account was also emptied, and the company has refused to even discuss this issue with me. This occurred on XX/XX/2020, and neither the state of Colorados Attorney General has given any information, and Machol & Johannes still refuse to discuss their blatant theft from uninvolved parties.
12/14/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NM
  • 87124
Web
I received a garnishment through my bank account at the beginning of this year. This garnishment was processed without me being notified via written correspondence, phone call nor being properly served. I disputed the garnishment and a couple of months later the funds were returned. A second garnishment was initiated, again without proper notification, via my employer and the funds were collected in full in three installments. I have all the documentation reflecting the full payment of the garnishment. To my astonishment, on XX/XX/2018, the same company, garnished the same debt, already paid via the three monthly installments from my employer. They again failed to contact me in any way, and have illegally taken my money, causing me distress.
07/17/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CO
  • 801XX
Web
On XXXX XXXX, XXXX, I agreed to a settlement to pay XXXX XXXX XXXX in the amount of {$2000.00} through the means of automatic payments from my checking account in the amount of {$120.00} a month. They have continued to automatically take $ XXXX/month even after the agreed amount of {$2000.00} has been paid in full. As of XXXX/XXXX/XXXX, they have automatically taken a total of {$2500.00}. They took {$500.00} more than what was agreed to and have not stopped automatically taking {$120.00} a month from my checking account. Last withdrawl took place on XXXX/XXXX/XXXX and first was taken on XXXX/XXXX/XXXX. This is a total of 21 months in which {$120.00} payments were automatically removed from my checking account.
09/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 80501
Web
This is my THIRD complaint filed against this company. This debt has been paid in full for almost a month. However, this company continues to violate our rights, and specifically refuses to have the wage garnishment removed. As a result, I have overpaid by over {$1000.00} and my wages will be garnished a 3rd time in 2 days. Both myself, and my employer have attempted to reach out to this fraudulent company to have this wage garnishment removed. However, everyone has been unsuccessful in doing so. Please, I am begging you please stop this company from continuing to ruin other people 's lives. This has gone on for far too long and until this company is stopped they will continue to operate in dishonest fashions.
02/15/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80906
Web
I had got to judgment to garnish my check in XXXX and the amount was XXXX well within 2 months they added {$1100.00} on to this bill now its XXXX so when I call to talk with them there was suppose to get rid of the fees and the penalties fees. I told him I do n't understand why {$1100.00} is added on here from XXXX to XXXX 2 months, so the guy cant explain to me why the bill is XXXX more everytime I call him he seems confused and ca n't explain why. I 'm willing to pay XXXX making payments a month but I refuse to pay all those extra fees and I do n't understand it and this was a bill from XXXX from XXXX XXXX. I was just wondering is n't there a statue of limitations in Colorado for 6 years just a question!
08/12/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CO
  • 806XX
Web Older American
On XXXX and again XXXX I discovered my wages had been garnished for a credit card ( {$310.00} and {$350.00} ) This garnishment is how I became aware of the debt. I have contacted both the collection company and card company regarding this matter. I have expressed my concern regarding the legitimacy of this debt. I resided at XXXX XXXX XXXX.XXXX XXXX XXXX, XXXX, CO. XXXX from XXXX to XXXX and relocated to XXXX XXXX XXXX, XXXX, CO. XXXX XXXX ( this is my current address ). I recall no mail received from the collector or XXXX XXXX during the 9 years that have past. All the paper work I have is attached. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CO. XXXX. # XXXX. Thank You
02/19/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CO
  • 802XX
Web
Machol & Johannes , LLC put a levy against my bank account without serving me on the suit. I was never once contacted by them, even though they claim the attempted to serve me multiple times. I travel for work and between that and other obligations I am rarely home. They claimed I received the papers on XX/XX/XXXX but I never once spoke to a person, received notice or even mail from them. They have frozen the funds in my bank account ( {$1900.00} ) all of the money I have to pay my bills and live. They email they had given me is returning as blocked, when I was trying to reach out to the company to provide all the documentation and paperwork.
01/29/2016 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • WA
  • 98116
Web
I was recently contacted by a bankruptcy attorney who informed me I had a default judgment against me in XXXX XXXX, WA. I was surprised as I had not received notice in the form of a summons or complaint, nor served in any manner. I found the judgment at the XXXX XXXX site online and paid {$25.00} to download the case file through the XXXX XXXX site. I was shocked to discover a process server submitted an affidavit of service that was incorrect and included a physical description of me that was not at all accurate - and, this affidavit was submitted by a collections firm, Marchol & Johannes, XXXX, WA office, to the court as proof of service.
09/09/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CO
  • XXXXX
Web
Machol&Johannes,LLConceagainillegallysharedinformationabouttheircaseagainstmewithathirdparty. Previously,theyhadmailedinformationtomyfather.Theirresponseindicatedthattheywererequiredbylawtosendsuchmaterialstomyphysicaladdressinsteadofmymailingaddress.However,whattheysentwasjustaregularnoticeofgarnishment.TheyhadsentthemtomyPostOfficeboxpreviouslyanddidsofollowingtheincident. Thistime,ontheafternoonofFriday,XX/XX/XXXX,theiragentknockedonthedoorofmyfather'shome,handedhimaMotionforRevivorofJudgement,andleft.Itwasnotinanenvelope.Myfatheriswillingtotestifytothisiscourt. Moreover,I'veresearchedthecompanyandtheyhavealonghistoryofsuchtactics.
07/03/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 810XX
Web
in XXXX I had set up payment arrangements to pay off two credit card debts this company took control over. I missed 2 payments so on XX/XX/XXXX the company garnished from my bank account the remaining balance and the debt was satisfied. On XX/XX/XXXX this company garnished {$470.00} again from my bank account. After contacting the company and confirming that this is THEIR mistake and that the debt was previously paid off they continued with the garnishment and took the money from my bank account. Several attempts via phone were made to try and contact them and have the money released by to me and they would not answer the phone.
06/05/2019 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Problem with customer service
  • CO
  • 80219
Web Older American
as i cosigner on my daughters student loans, i have attempted to contact the service co. regarding a payoff and more recently after reading through the CFPB website, sent a request for release of the loan. my reasoning is i have retired and have significantly less income and my daughter has ( 1 ) been making payments and, ( 2 ) has been gainfully employed since she completed her residency. as seems to be the normal for this firm, i have not gotten a response. i sent the letter XX/XX/XXXX via email. i used a template from the CFPB site which requests a response whether accepted or not. it is courtesy to respond.
07/25/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • NM
  • 88011
Web
XXXX XXXX XXXX represented by Machol & Johannes, LLLP XXXX XXXX XXXX XXXX XXXX, nm XXXX XXXX contact person XXXX XXXX XXXX filed a lawsuit and a writ of garnishment XX/XX/2018 claiming to have a default judgment against me for an amount of {$2300.00}. I contacted these people numerous times via us mail with return receipts, faxes, telephone calls, emails to verify the above mentioned debt and where I agreed to pay this. Still no debt validation. However, they decided to file a lawsuit without notifying me or having me properly served. I do not hear anything else from them, then I receive a writ of garnishment.
11/14/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • WA
  • 98092
Web Older American
I was first contacted by Machols & Johannes in XXXX. I disputed the debt and asked for clarification of the debt which I never received. I was not notified to appear in court and a judgement was done against me for wage garnishment of more than {$1000.00} dollars per month. The garnishment was taken out 3 times in XXXX ( I was told I owe XXXX dollars from an old debt in Kansas from XXXX ) then the garnishment stopped. In XXXX XXXX the garnishment started again and a judgement was again done against me for wage garnishment. Again I did not get notified to go to court.
08/10/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CO
  • 81401
Web
My name XXXX XXXX, from XXXX XXXX. I want to make complaint about collection agency 1.Machol Jacques law offices out XXXX XXXX , XXXX XXXX out of XXXX. XXXX farmed my account to XXXX XXXX XXXX with garnished my wages amount of XXXX. We are selling my home, the title company says the debt is still unpaid. XXXX garnished my checking account too. I have pay stub showing agarnishment. I need letter from one or letter debt paid stat. Last ss # XXXX account # XXXX never forwarded the money Machol in XXXX. My home phone is XXXX. Need that letter.. thank you XXXX XXXX
11/09/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • WA
  • 98036
Web
They have been sending men out to our house at night to serve us papers. They act like a server and the ppwk is drawn up like federal superior court summons with my name verses the county and this company. When I call the courts there is no such thing in the system. They repeatedly come and knock on our door night after night. We have told them to not come back. We have told them we will call the police. They are using scare tactic and I consider it harassment not to mention its probably illegal. This has happened 5 times over the past 6-8 months.
06/16/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • UT
  • 84790
Web
My name was forged when they tried to serve me. I tried to contact it was a XXXX XXXX Clerk, who knew nothing of this. The serving person Committe fraud I told them, they could care less. They just move forward tying to intimidate me. They took my taxes for XXXX and break the law at every chance to get money. I tried to settle after this and would not move forward. Im having all my rights trampled on by this debt collection law firm Machol & Johannes XXXX CO. There abusing all my rights and are committing criminal acts with no care in the world.
02/15/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OK
  • 748XX
Web
Malchol and Johanson LLC Filed papers at the courthouse in my county threatening to sue. This was for a credit card from about 7 years ago. I set up a payment plan and made the first payment of {$100.00}. However in order to send them another payment they were supposed to send me a receipt that reflected the amount I paid. After several attempts to get a receipt, they still have failed to do so. Now theyve threatened me with my account is in default. After several calls today, still no reply.,
01/18/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 02809
Web
The credit card was opened for my Company, XXXX XXXX XXXX and was not personally guaranteed by me. Once I closed the business in XX/XX/XXXX the card remained on my personal credit report. I hired a lawyer, XXXX and XXXX in XX/XX/XXXX to contact XXXX XXXX to require them to prove I was the personal guarantor. They were unable to do so, stating that the collector for XXXX XXXX admitted they couldn't prove I was personally liable. This was a company card, NOT a personal account.
12/08/2017 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • WA
  • 98002
Web
I have given my Power of Attorney to XXXX XXXX XXXX. I recently received a Motion for Summary Judgment. I called the Attorney Office Machol & Johannes and asked why they did n't send it to XXXX, and also that we were in negotiations to settle. They told me that negotiations had stopped in XXXX. I was not aware of that and was surprised to receive the Motion after I told them several times that XXXX had my Power of Attorney and they should be contacting them.
05/06/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 816XX
Web
I have tried to contact XXXX on multiple occasions regarding an account they are reporting on my credit report. I have called and each time I call they say they don't have information on the account that Machol & Johannes does, and they transfer me to them and then I cant get ahold of anyone at this office, This debt was paid XXXX of XXXX I am submitting the settlement letter from machol & Johannes dated XX/XX/2021 and the confirmation of payment made.
03/03/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98026
Web Older American
I received a summons from Machols & Johannsen collection agency, Plaintiffs : XXXX XXXX XXXX, which I never contacted by the bank nor the Machols & Johannsen, I read FDCPA 8:09 Validation of Debt.. that was never followed by the collection agency, the only time I heard from Machols & Johannsen is when I received the summon, ( which I still have to verify with county Clerk, the Summon / complain does not have Court Stamp nor Clerk Signature.
10/16/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • WA
  • 98374
Web
I checked my bank this morning and this debt collector took XXXX dollars out of my account. I called the bank and they gave me the number of the collector and said that they had a court order. I never went to court. I dont have a job and Im still fighting with XXXX XXXX XXXX over the work mans comp. There is no way to reach these people because it says the line is busy. the only income I have is childsupport.
03/05/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CO
  • 812XX
Web Servicemember
They sent me a letter stating they have a judgment against me in a letter and it says to call them to set up payment plan. I was never served nor have I gotten any paperwork from a court. They are using this letter as a threat and that's how we took it. We got the letter on XX/XX/2018 amount XXXX and they said the cost for post judgment cost as well. File XXXX. Says in letter through XXXX court.
05/18/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 80817
Web Servicemember
I was contacted by a debt collector called Machols Johannes in XXXX, Colorado about a debt that I had already been to court on and setup payment arrangement with and paid the entire bill off. That company was XXXX XXXX XXXX. I have trying to Express my situation with Machols and Johannes bu th they just wont listen and have now file a court case against me for a bill I already paid.
07/10/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 985XX
Web
Over the last several years My phone number has been called by various collections-telemarketers as debt has been sold and resold down the line. I have repeatedly asked for my Tel. Number to be removed from the call list concerning this individual whom I do not know. ( XXXX XXXX ). The latest company to call me, after being told they have the wrong number, is continueing to call.
08/01/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • CO
  • 80922
Web Servicemember
Machol and Johannes has put a lien on my home for a case I was never notified for they've garnished my wives wages from 2 separate accounts for 1 year straight theyve tried to garnish my veterans affairs XXXX twice they call and harass theyve sent people to my door to threaten me to the point the cops were called theyve abused and harrassed myself and my family for 3 years now
09/13/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 98023
Web
My daughter of over 18 years rented and apartment without my consent and I do not even know where she lived and defaulted. The rental and collection agency have put the default on my record. XXXX. My social security number, dob and address are different from my daughter, why would they even think about putting it out on my file without even calling me. I dispute this
12/17/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • CO
  • 80229
Web
collection agency garnished my checking account and savings account. took all of my funds, and left me with a negative XXXX dollar balance so my next direct deposit will go to them leaving me no money for food, gas, utilities much less my mortgage payment. have XXXX dollars cash now, a week before XXXX which i will not be having this year.
09/22/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • WA
  • 98008
Web Servicemember
Same case from case number XXXX. They have stopped since XXXX and are now again resuming their garnishment NOW with my employer. The documents sent by this company never showed my application to the firm client, there was no balance on it and the entire account was already charged off in XX/XX/XXXX. Please let Machol and Johannes LLC stop.
09/08/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • WA
  • 98008
Web
Talked to someone not related to me about debt and left information about debt with my name on front door where everyone could see it and read it. They are also listing someone else in the document I do n't know, does n't exist and/Or has nothing to do with this debt. The documents were so cigarette smoke infiltrated they made me sick.
11/20/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CO
  • XXXXX
Web
Once again, Machol & Johannes has failed to send me the paperwork required by Colorado state law. They garnished my bank account on Monday, XX/XX/XXXX. By Saturday, XX/XX/XXXX - MORE THAN A MONTH LATER - they still had not sent the proper notification and exemption form so that I could fight it in court. Now the deadline has passed.
11/05/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CO
  • 80134
Web
This is a charge off account with XXXX XXXX as they are now calling me and asking me for my social security number for verification which I am not at all about to give to someone I do not know at all. They have no right at all to be asking me for this information as again I am refusing to provide such info to them.
05/16/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 802XX
Web
I have sent police reports and text messages to XXXX XXXX explaining the debt is not mine, and they still refuse to accept the fraud claim. I have appeared to every trial date and reached out to the police. They served my court appearance to my roommate and told him they were trying to collect a debt from me.
03/21/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OK
  • XXXXX
Web
XXXX XXXX XXXX XXXX suing for account that is beyond the statute of limitations in oklahoma. Account opened XX/XX/XXXX Last payment made was XX/XX/XXXX. Suing for the amount of {$3600.00} Recieved very little communication via mail, email or phone. Date summons was issued XXXX Recieved summons XXXX
01/16/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • XXXXX
Web Servicemember
I have received the statement from Machol & Johannes and there are charges on the statement that I am not sure that I am responsible for. There is no ledger to indicate that this is charged to me or not. Further more it seems that the debt should be paid off and it still shows a balance.
08/21/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98037
Web
A person knocked on my door and without identifying and without asking that the person who opened is a XXXX years old girl and by rude and aggressive manner intimidate to sign the summon notice. my daughter is scary know because she saw the notice of XXXX situation in this moment.
04/29/2016 Yes
  • Debt collection
  • Auto
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CO
  • 80012
Web
Abuse of Power, Abuse of the System, Financial Fraud for Personal Gain, Filing False & Illegal Documents, Unfair and Illegal Business Practices, Theft, Racial Discrimination, Violations of Consumer Privacy Laws, Statutes of Limitation.
06/24/2019 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CO
  • 80013
Web
Company contacted my title company to attempt to acquire funds outside of the amount they already had a lien for. The company informed a third party of my additional debt with them without my consent.
06/28/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • CO
  • 80011
Web
Keep receiving letters from company for payment that was made and there saying it wasnt.
11/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73169
Web
09/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73118
Web
08/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73118
Web
06/04/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OK
  • 73118
Web
05/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • OK
  • 74014
Web
04/22/2021 No
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CO
  • 80027
Web
11/04/2020 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OK
  • 73118
Web
09/28/2020 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OK
  • 73160
Web
07/15/2020 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80632
Postal mail
07/15/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73160
Web
06/24/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NM
  • 87112
Phone
06/11/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 74467
Web
03/30/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NE
  • 68104
Web
03/08/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • OK
  • 73106
Web
03/01/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CO
  • 80216
Web
02/15/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80246
Web
01/06/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • ID
  • 83651
Phone
11/30/2019 No
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • WA
  • 98208
Web
11/13/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 73003
Fax
11/12/2019 No
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
Phone
09/05/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98532
Web
09/03/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98532
Web
08/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WA
  • 98532
Web
08/23/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WA
  • 98532
Web
07/16/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 38305
Web
05/02/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
Phone
04/26/2019 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98405
Web
02/23/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 74631
Referral
12/06/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WA
  • 99181
Phone
11/13/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80112
Web
11/01/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WA
  • 99181
Postal mail
09/04/2018 Yes
  • Debt collection
  • Private student loan debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
Phone
08/27/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NM
  • 87508
Web
08/07/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CO
  • 80122
Web
08/06/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
Phone
07/13/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NM
  • 87508
Web
06/14/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 74631
Referral
06/08/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76023
Referral
05/16/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
Phone
04/07/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CO
  • 80033
Referral
04/04/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98208
Postal mail
03/07/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 98122
Web
02/14/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
Phone
01/12/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • WA
  • 98148
Referral
12/15/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CO
  • 80907
Web Older American, Servicemember
10/31/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 81007
Postal mail
07/06/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80238
Postal mail
06/01/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • WA
  • 98671
Web
05/09/2017 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 99016
Postal mail
03/23/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 81147
Postal mail
03/03/2017 Yes
  • Credit card
  • Overlimit fee
  • OK
  • 73105
Web Older American
02/25/2017 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • WA
  • 98155
Web
01/24/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • UT
  • 84745
Referral
01/23/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 81505
Web
01/11/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98597
Referral
01/03/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98225
Postal mail
12/28/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • OK
  • 74959
Web
12/20/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued where didn't live/sign for debt
  • CO
  • 80234
Web
11/22/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with my lender or servicer
  • Need information about my balance/terms
  • CO
  • 80016
Web
11/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • CO
  • 80012
Web
11/05/2016 Yes
  • Credit card
  • Other
  • CO
  • 80111
Web Older American
10/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 80237
Web
08/23/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Impersonated an attorney or official
  • WA
  • 98626
Web
08/07/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NM
  • 88001
Web Servicemember
07/25/2016 Yes
  • Credit card
  • Other
  • NM
  • 88130
Web
07/22/2016 Yes
  • Student loan
  • Federal student loan servicing
  • Can't repay my loan
  • Can't decrease my monthly payments
  • WA
  • 98270
Referral
07/16/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Threatened to take legal action
  • CO
  • 81504
Web Servicemember
06/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 80452
Referral
06/03/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98597
Referral
06/02/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • CO
  • 80013
Phone
05/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Impersonated an attorney or official
  • NM
  • 87048
Fax
02/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • WA
  • 98445
Phone Servicemember
02/20/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • UT
  • 84088
Web
02/18/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98008
Postal mail
02/14/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80863
Web
01/30/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CO
  • 80247
Web
01/26/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Called outside of 8am-9pm
  • CO
  • 80227
Referral
01/21/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CO
  • 80014
Postal mail
12/22/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 98606
Web
12/15/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80015
Web
11/24/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CO
  • 80917
Web Older American
10/29/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • WA
  • 98568
Referral
08/28/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NM
  • 87107
Referral
06/25/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 81212
Web Older American
05/14/2015 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • CO
  • 80207
Web
04/29/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • WA
  • 98498
Web
04/25/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OR
  • 97123
Web
04/15/2015 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NM
  • 87102
Postal mail
04/08/2015 No
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • NM
  • 88023
Web
03/18/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NM
  • 87121
Web
03/06/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • CO
  • 80237
Web Older American, Servicemember
02/27/2015 No
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NM
  • 87002
Phone Older American
02/25/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CO
  • 80920
Web
02/19/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Impersonated an attorney or official
  • WA
  • 99202
Web
02/09/2015 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80013
Web
01/28/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CO
  • 80018
Web
01/19/2015 No
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • CO
  • 80015
Web
01/17/2015 No
  • Debt collection
  • Credit card
  • False statements or representation
  • Indicated shouldn't respond to lawsuit
  • CO
  • 81621
Web
01/13/2015 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NM
  • 87701
Web Older American
12/28/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • NM
  • 88135
Web
12/15/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NM
  • 87020
Web
10/23/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • WA
  • 98042
Web
09/11/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 80526
Web
09/10/2014 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't get flexible payment options
  • CO
  • 80205
Web
08/04/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • CO
  • 80921
Web Servicemember
07/18/2014 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • WA
  • 98008
Web Servicemember
07/15/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • WA
  • 98052
Web
07/05/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 99301
Web
05/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NM
  • 87112
Referral
05/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NM
  • 87187
Referral
03/29/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • CO
  • 80917
Web
03/03/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • CO
  • 80905
Web
02/06/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NM
  • 87120
Referral
01/28/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • WA
  • 98052
Web
01/28/2014 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • CO
  • 80723
Phone
01/25/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CO
  • 80922
Web
01/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • CO
  • 81006
Phone Servicemember
01/03/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NM
  • 87120
Referral
12/16/2013 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80220
Web
12/10/2013 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • XXXXX
Referral
11/15/2013 Yes
  • Debt collection
  • Non-federal student loan
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CO
  • 80601
Web
11/05/2013 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • NM
  • 87109
Web
09/25/2013 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • CO
  • 80909
Web
09/23/2013 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CO
  • 80642
Phone
09/08/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CO
  • 81007
Web