Michael & Associates, PC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/05/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 94579	Web
I am being sued by The Law Offices of Michael and Associates, PC on behalf of their client XXXX XXXX. Our last agreement was that I would pay XXXX a month, which was deducted out of my checking account. In XX/XX/XXXX their representative XXXX XXXX notified me that XXXX XXXX would no longer accept XXXX a month and that a court date of XX/XX/XXXX Case No. XXXX at XXXX had been set. I went the day before to make sure I new where I was going and that I would be on time. The department on the notice didn't exist, so while at the court house I called and spoke to XXXX XXXX and after much discussion he told me " it was not on the docket '' and had been vacated. I sent an email which I will attach that said Thank you and that I would wait to hear from him either by mail or phone for the next court date so that I could attend. Apparently The Law Offices of Michael and Associates went to court XX/XX/XXXX and received a court order against me for XXXX. I only found out about this because Monday XX/XX/XXXX I went to use my ATM card and all my funds had been put on hold due to the court order. I WAS NEVER NOTIFIED OF A XX/XX/XXXX COURT DATE. I still CAN NOT access my money. I have two daughter ages XXXX and XXXX and I was not able to feed them. We were at the store checking out, when I was informed my money was on hold. I have since spoken with XXXX from Michael and Associates and he said their client XXXX XXXX will not accept XXXX a month, they wanted XXXX. We live paycheck to paycheck. My husband was out of work for a year and a half back in XX/XX/XXXX. We withdrew XXXX from my 401K to make the first XXXX payment to XXXX. We had to sell our home after living on our 401K for the year and then had to pay XXXX in penalties and taxes. I would like to see in writing the proof of delivery for the court date in XX/XX/XXXX. If I had known about it, I would have been there. I have never disputed this is my debt, and was always willing to pay the XXXX a month. I was told last year from XXXX XXXX that his client XXXX XXXX could no longer accept payment from me. I have not seen a court order, I would like to see in writing where XXXX XXXX said it would no longer accept XXXX a month, I feel that the Law Offices of Michael and Associates have acted illegally and have been deceitful. No matter how much I have begged, pleaded and cried there has been no consideration of the circumstances. My hands are now tied. I can't pay XXXX or any other bill due to the hold on my Bank Account at XXXX. I need help with this matter. It has been agreed that I will now pay XXXX a month, which could have easily been agreed upon without a court order or holding my bank account hostage. I would like XXXX XXXX and the Law Offices of Michael and Associates investigated for the way they have handled this situation. I have yet to receive anything in writing from Michael and Associates. They have my address, my email address, and my phone number, nothing has changed. There is absolutely no reason that I wasn't informed of the XX/XX/XXXX court date other than they didn't want me to attend. I would also like to know how to file a complaint with the XXXX XXXX. The actions of Michael and Associates has caused harm, stress, pain and a hardship for my family. My credit has taken a big hit due to the " charge off '' amounts from XXXX XXXX, so I am not even sure what is owed at this point. I would like an accounting of every dime I have paid. They are also now charging me court costs on top of my debt. Forgot to mention that I have a voicemail from XX/XX/XXXX from XXXX at Michael and Associates, no where is it mentioned that a court order was put in place and that my funds would be placed on hold. I WAS NEVER NOTIFIED OF ANY ACTION BEING TAKEN! That is not right.
03/02/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 92708	Web
I fell behind on my payments to XXXX XXXX due to being in an accident, which left me unable to work for the past year. XXXX XXXX cancelled my accounts and sent my bill to a law firm, Michael & Associates , PC for collection. On XX/XX/XXXX, I received a letter from Michael & Associates , PC. They were attempting to collect my debt for XXXX XXXX and they told me they had a wide variety of payment options to assist me with paying my debt back. There was a phone number included if I had any questions or if I wanted to make payment arrangements. I called the law firm in XX/XX/XXXX and spoke with one of their attorneys. I told him I wanted to set up a payment plan and would be ready to start a payment plan in the next month or two. He advised me to call him when I was ready to make payments. He said he would touch base with me in about a month and that it would be no problem. One month later I received a letter dated XX/XX/XXXX which said please be advised that this law office is in the process of filing a lawsuit against me. As soon as I read the letter I called the office and gave my case number and asked to speak with the original attorney I spoke to the first time I called. I got transferred to a woman named XXXX XXXX who told me I could not speak to the original attorney. I asked for his full name and she refused to give it to me, and only offered me his initials, ( XXXX ) and was told that he did not work in that office and I could not speak to him. I told her I was ready to set up a payment plan but the amount I told her I could pay was not acceptable to her. She said she needed at least {$2000.00} up front and then we could figure out a payment. She asked me if I could borrow money from my family or if I had Social Security. I told her that was not an option and that I did not have Social Security or any income. I explained to her that I had been out of work for the last year due to my accident, and taking care of my mother who is XXXX XXXX and XXXX. XXXX proceeded to tell me that Michael & Associates , PC had already filed a lawsuit against me on XX/XX/XXXX. I checked with the court and as of today, XX/XX/XXXX, no lawsuit has been filed. I dont know how to resolve this.
07/31/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 90292	Web
I became underemployed due to my son 's health issues. XX/XX/XXXX, XXXX XXXX suddenly raised my minimum payment from {$1200.00} per month to {$2100.00} plus per month. I called XXXX XXXX continually, explaining that I could not pay this amount, because I am underemployed due to my son 's health issues. I also changed my account from a platinum card to a green card, to lower the yearly fee from {$400.00} plus to {$55.00}. Even though they could see that I was struggling financially, they refused to lower the monthly payment, continued to charge me interest on my card, as well as fees, and even though I made payments, they still reported me as late if I did not meet their high minimum payment. Still, I paid what I could as often as possible. On XXXX XXXX, I paid XXXX {$2100.00}. On XXXX XXXX, I paid XXXX {$500.00}. On XXXX XXXX, I paid XXXX {$1000.00}. On XXXX XXXX, I paid XXXX {$1300.00}. On XXXX XXXX, I paid XXXX {$200.00}. On XXXX XXXX, 2015, I paid XXXX {$1000.00}. On XXXX XXXX, 2015, XXXX filed papers to sue me, even though I had been paying them as much as I could as often as I could.
09/13/2017	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 91423	Web
I received a mailed letter and then an email from XXXXXXXXXXXX stating that he was an attorney for a law firm called Michael & Associates : Michael & Associates , PC ATTORNEYS AT LAW XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca. XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX They claimed that my credit card, XXXX XXXX had retained their services to collect a debt but were authorized to negotiate a settlement amount. After a few email exchanges resulting in them threatening a law suit, I started to become suspicious. I contacted XXXX, and they indeed had retained an agency to help them collect my debt, but that agency was called XXXX XXXX XXXX XXXX XXXX Their address was the same building as Michael and Associates, but a different suite number. When I told XXXX at Michael and Associates that I believed that he was illegitimate, he did not respond. So I am bringing this to your attention now. I have attached a transcript of our email exchange. - XXXX XXXX *XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
03/16/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91773	Web
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. Also in accordance with the Fair Debt Collection Practices Act 2009, I am asking you to immediately stop all collection activities about this debt, including reporting to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of Identity theft, and can not be collected, sold or transferred. I have already notified XXXX XXXX and have sent over all the necessary paperwork, I am also asking Michael & Associates , PC to do the same as stated on the Fair Debt Collection Practices Act.
03/16/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92596	Web
I have a debt with XXXX XXXX. I had made a payment of XXXX, which they have refused to credit to my account. I provided a copy of my bank statement showing the payment and I provided them with the payment transaction number provided by the bank. I also have submitted disputes with the credit reporting agencies because the amount they are trying to collect from me is incorrect. They have refused to credit the payment I made. Now I have received a letter from Michael & Associates which claims that XXXX XXXX referred me account to them. They are trying to collect more money than I owe and are threatening me with legal action and judgment.
02/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92376	Web	Servicemember
This company ( Michael and Associates, PC ), They continue to harass me about an alleged debt that was a result of fraud and identity theft. I gave them a copy of a police report as well as a notarized and sworn statement. They still are attempting to file false claims after they got everything that they needed from me. This is illegal and against the FCRA and also the truth in lending act. They need to be stopped.
04/02/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 95133	Web
Michael & Associates has contacted both my parents asking for me and stating they are lawyers and debt collectors. I've asked them not to on their recorded phone call, they should lose their license and prosecuted.
12/04/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90028	Web
On XXXX received Notice of Levy from XXXX XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.
02/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92376	Web	Servicemember
I reported this to the FTC and to the Police. This debt was a result of FRAUD and identity theft. This company continues to harass me.
12/10/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 90212	Phone	Older American

03/01/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 93065	Web

08/04/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 95148	Web

04/08/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92376	Web	Servicemember

02/10/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NV 89183	Web

01/15/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying		Phone

01/07/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92376	Web	Servicemember

10/24/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property		Phone

10/08/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92376	Web	Older American, Servicemember

07/13/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 94579	Referral

03/22/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NV 89135	Web	Older American, Servicemember

06/17/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94619	Web

11/10/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 91106	Web

07/30/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA XXXXX	Web	Servicemember

04/14/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	CA 94952	Web

02/16/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 94558	Web

10/21/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92129	Phone