Modlin Slinsky, P.A. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33579	Web
NOTICE AND DEMAND FOR PAYMENT- FOR SETTLEMENT PURPOSES Notice to Agent is notice to principle. Notice to principle is notice to agent. I confirm that I have received two written communication from you dated XX/XX/, wherein you make reference to the above captioned matter. It is apparent that you are acting on the presumption that we had a contract or agreement. I am unaware of this contract or agreement between Modin Slinsky, P.A and XXXX XXXX. I dont understand how to respond to you inasmuch as I am unaware of any contract relationship between us. 1. This Letter of Intent to Sue serves as a formal notice of my intent to file a lawsuit against Modin Slinsky, P.A. in federal court for Mail fraud, False or misleading representations, defamation of character with XXXX XXXX. Furthermore, gross misrepresentation, Slandering and Libel, Conspiracy, Racketeering, negligent and Civil liability for willful noncompliance with the law. 2. XXXX XXXX is a resides of the State of Florida. 3. I am writing to dispute dose account # XXXX, Reference # XXXX and account # XXXX, RE : # XXXX fraudulently opened in my name and XXXX XXXX XXXX. 4. On or about XX/XX/, Modin Slinsky, P.A. made first communication with XXXX XXXX by mail demanding payment for alleged debt in reference to XXXX XXXX. 5. The alleged debt was sold to Modin Slinsky, P.A. ( Collection letters, attached ) 6. A debt collector is someone or business who regularly collects debts owed to others. 7. XXXX XXXX do not have any contract with Modin Slinsky, P.A. 8. Privity of contract, a contract that exists only between the parties no third party can enforce or obtain rights without the express permission of the original parties. 9. Modin Slinsky, P.A used false representation, deceptive means to attempt to collect debt or to obtain information concerning XXXX XXXX. 10. Modin Slinsky, P.A made false representation regrading material facts of the ledge debt. 11. XXXX XXXX relied on the fraudulent misrepresentation which resulted in me being harmed and damaged. 12. XXXX XXXX have been harmed and damaged Because Modin Slinsky, P.A action with XXXX XXXX. 13. XXXX XXXX is entitled to damages for harmed. 14. Around or on XX/XX/, a lawsuit will be file in Federal court. 15. I will also be filing for discover, jury trial and punitive damages. 16. If Modin Slinsky, P.A do not respond within 10 days of receipt of this letter it will be Modin Slinsky, P.A admission that Modin Slinsky, P.A is attempting to commit Mail fraud, False or misleading representations. Furthermore, agreement to close account, dismissal of current, past and future actions. 17. The charge for Mail fraud, False or misleading representations, defamation of character, gross misrepresentation, Slandering and Libel, Conspiracy, Racketeering, negligent and Civil liability for willful noncompliance with the law is XXXX and XXXX a total of XXXX fraud total amount. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX cent, due and payable within 10 days of receipt of this letter. 18. If not paid within 10 days Modin Slinsky, P.A will be responsible for additional damages of XXXX XXXX ( XXXX XXXX XXXX ) check or wire. Modin Slinsky, P.A total amount due to XXXX XXXX payable to XXXX XXXX. Desired settlement and resolution XXXX payable check to XXXX XXXX by due date. 19. These charges will apply to every instance of Mail fraud, False or misleading representations and defamation of character. 20. Please take notice that demand is hereby made that Modin Slinsky, P.A immediately pay XXXX in check for settlement. If you wish to resolve this matter without court action, please contact me at the above email address within 10 business days of receipt of this letter. If I do not hear from you/your company within the time frame indicated above, I will purse actions necessary for the commencement of legal proceedings in the court of applicable jurisdiction and will be seeking costs against you/your company in respect of same. I look forward to your resolution. Please note, the above figures are valid until : XX/XX/. Therefore, all funds must be received in this office on or before XXXXXXXX XXXX on said date at above address. Any funds received after that date will be returned and new figures must be requested. * IMPORTANT : At least 24 hours prior to tendering funds to XXXX XXXX, please email to confirm payment or wiring information at the following email address XXXX.
10/27/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33073	Web
XXXX XXXX XXXX ( XXXX ) is a process server that was hired in my case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to legally serve me with a lawsuit. On XX/XX/2022 at approximately XXXX, an unknown man in an unmarked vehicle dressed in informal street wear without any identifying information ( such as a badge ) waited down the block from my home in his car ( a white or silver sedan ) with the lights off. When my husband pulled into the driveway of our home and opened the garage door, the man in the unmarked car sped up to my husbands car with unknown vehicle 's lights ( headlights and taillights ) OFF. This scared my husband so badly, that he hurried to close the garage door behind him. The man in the unmarked vehicle turned on his vehicle lights, walked up the driveway, and proceeded to pound on the garage door with his fist. According to my husband and our home security footage, the man never identified himself. Adding to the scariness of the incident, the man walked up to our front door, even though our house outdoor lights were off, and proceeded to pound on the front door, while also peering through our doors peephole and through the windows. All of this can be seen on our home security footage. Unbeknownst to us, the man just drops the legal papers at the door and leaves. We didnt know who he was or why he was there until we investigated the papers left behind and received notices through email that I had been served a lawsuit. Because I was so unnerved by the event, I called the police and had them write a report. I have attached it below. This situation is also problematic legally because the man in the white/silver sedan had increased the speed of his vehicle with his vehicle lights off while there were families and children in the street ( off camera ). He also appeared suspicious to neighbors and sparked interest with the community 's unofficial neighborhood watch. I understand that XXXX is entitled to attempt to locate me to serve a lawsuit. However, the tactics used during this incident were legally unethical, does not represent good faith measures on behalf of the law firm to collect a debt, and is arguably morally reprehensible.
11/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33579	Web
XXXX XXXX, thank you for your response and the documents you provided dated XX/XX/2023 but it was not what I had requested and DEMANDED. I reject respond and the documents from Modlin Slinsky P.A and XXXX XXXX. MODLIN SLINSKY , P.A . was advised of Notice of Demand for payment dated XX/XX/2023 and XX/XX/2023 within 15 and 10 days requirements. Modlin Slinsky, P.A did not resolve my complaint with XXXX XXXX XXXX ( XXXX ) or settle payment by sending the requirements requested. " Please take notice that demand is hereby made that Modin Slinsky, P.A immediately pay {$25000.00} in check for settlement. '' As, this request has not been honoured. XXXX XXXX made several attempts, Modlin Slinsky P.A and XXXX XXXX refusal to resolve this matter. I do hereby give formal Final Warning Notice to MODLIN SLINSKY, P.A and XXXX XXXX of Default, Estoppel and as this is a final notice, as my request has not been honoured. Informing MODLIN SLINSKY, P.A and XXXX XXXX of their failure to properly respond and having acquiesced to the stipulated offer and conditions as they operate in favor of the undersigned. MODLIN SLINSKY, P.A and XXXX XXXX are now in default and this is a final OPPORTUNITY TO CURE, FINAL WARNING NOTICE OF DEFAULT AND DEMAND FOR PAYMENT, PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES. This is NOT a request for COUNTERFEIT COPIES OF FRAUDULENT STATEMENTS and agreements from another XXXX XXXX and is not to be treated as one! ALL COPIES ARE COUNTERFEIT AND FRAUDULENT AND CAN NOT BE USE IN COURT! Please be advised that this is my FINAL WARNING that I fully intend to file a lawsuit, bar and Attorney General complaint. Please accept this FINAL written OFFER OF SETTLEMENT/RESOLUTION BEFORE FILING LAWSUIT COMPLAINT LITIGATION against XXXX XXXX and MODLIN SLINSKY , P.A as my attempt to amicably resolve your continued mail fraud, deliberate concealment of material information, defamation of character, aggravated identity theft, GROSS MISREPRESENTATION, Racketeer, extortion, theft by deception, False and misleading representations, and multiple violations of state and Federal, refusal to resolve this matter.
10/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 337XX	Web
On XX/XX/XXXX an agreement was made to settle an account with XXXX XXXX through their counsel XXXX and XXXX, XXXX 12 payments have been made in accordance to the agreement, however, credit reporting continues to show no payments being received and an account in Charge Off Status month after month. I've called XXXX and XXXX who refers me to an XXXX # at XXXX for credit reporting, the ability to speak with the attorney is not allowed nor is leaving a message. The representatives at XXXX state that stipulation agreement and reporting are handled by their attorneys which sends me back to XXXX and XXXX who confirms the need to work with XXXX and this continues in this manner. In desperation, I've begun to with hold payments ( XXXX and XX/XX/XXXX ) until which time I can confirm that they are being received and applied to the correct account. XXXX XXXX continues to push the XXXX # in response to communication from my attorney. I call again today just to be sure-XXXX refers me to XXXX XXXX. A dispute was filed through XXXX XXXX which resulted in the entire file being removed from my profile, there is no further ability to correct this because there is no file to correct. This is per XXXX XXXX representatives during a phone call where I was trying to determine next steps. A dispute was filed through XXXX, 3 in total. The first two disputes resulted in a confirmation of the incorrect information that was already in the file by XXXX. The third dispute resulted in a decrease of the account balance to an amount that is not consistent with the current agreement and still reflects no payments received and a Charge Off status. All I am asking is for the correct information to be reflected in my profile. If either the attorney for XXXX or XXXX 's credit reporting hotline would respond to my calls, we may have been able to resolve this problem. The refusal to communicate and work towards a solution has brought me to the CFPB for help.
10/28/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33073	Web
XXXX XXXX XXXX ( XXXX ) is a process server that was hired in my case XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX to legally serve me with a lawsuit. On XX/XX/2022, I was contacted by my sister. She informed me that XXXX XXXX XXXX went to my fathers house in XXXX XXXX, FL. According to my dad and my sister, XXXX was attempting to serve a warrant regarding a debt with XXXX XXXX. I have attached a picture of a text message that was sent to me by my sister. I asked my sister if she meant lawsuit instead of warrant. She said no- the person attempting to serve the papers to my father at the incorrect address referred to the papers as a warrant ( inferring an arrest or legal issues with the law ). In addition, it bothers me that XXXX XXXX XXXX gave my father specific information regarding my debt, including the amount owed and that the debt is due to XXXX XXXX. This is legally problematic due to several issues. ( XXXX ) XXXX XXXX XXXX members of my debt, who it is owed to, and the amount owed. ( XXXX ) The representative of XXXX that contacted my father, XXXX XXXX, referred to the lawsuit as a 'warrant ' to my father, possibly implying that I was in some sort of legal trouble with police. ( XXXX ) My father, the person to whom the process server spoke to at his home, is my abuser. My abusive father now knows about my debt. ( XXXX ) I have mental issues including XXXX, anxiety, and XXXX ( XXXX XXXX XXXX ) related to my family and my father. This incident, including having the incident reported to me by my abusive family, has caused me significant problems with my mental disorders. I had to temporarily increase my medication, and I had to make an emergency mental health appointment. Even typing about this incident and having to relive it in my head is causing me additional mental anguish and anxiety.
07/22/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33139	Web
In an attempt to collect outstanding debt under 120 days with XXXX XXXX XXXX, without even once calling primary phone number associated with my account, MODLIN & ASSOCIATES , P.A . sent a detailed letter to my father 's residence outlining amount, nature and all details of debt. His wife is under treatment for XXXX XXXX XXXX XXXX to XXXX and XXXX and this was an unnecessary distress and harassment. Following the letter I immediately contacted Modlin, reiterated that I was aware of the debt and had every intention of paying, but was unemployed and would pay as soon as I could. I requested they contact me at the number I was calling from, the number they had for my account : XXXX XXXX. Following this, representatives proceeded to call my father 's ex wife from over 15 years ago, discussing details with her and informing her I was being sued. I have no contact with her but heard it from my father, after which I contacted them once again. After several messages left with no response, I finally reached a representative who informed me I was being sued. I was never served papers. I immediately made a payment of just under XXXX XXXX dollars to begin a repayment plan. I specifically inquired if this was a " settlement '' and was told in no uncertain terms it was not. Later that day I received a " stipulation for settlement '' I have correspondence from XXXX XXXX 2017 showing they had my correct address. Since then they have continued to attempt to serve me papers at previous address, new address with no apartment number etc. Presumably to be able to claim that the recordings of our phone conversation, which prove every detail of my statements, have been erased.
07/22/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33139	Web
In an attempt to collect outstanding debt under 120 days with XXXX XXXX XXXX, without even once calling primary phone number associated with my account, MODLIN & ASSOCIATES , P.A . sent a detailed letter to my father 's residence outlining amount, nature and all details of debt. His wife is under treatment for XXXX XXXX XXXX XXXX to XXXX and XXXX and this was an unnecessary distress and harassment. Following the letter I immediately contacted Modlin, reiterated that I was aware of the debt and had every intention of paying, but was unemployed and would pay as soon as I could. I requested they contact me at the number I was calling from, the number they had for my account : XXXX. Following this, representatives proceeded to call my father 's ex wife from over 15 years ago, discussing details with her and informing her I was being sued. I have no contact with her but heard it from my father, after which I contacted them once again. After several messages left with no response, I finally reached a representative who informed me I was being sued. I was never served papers. I immediately made a payment of just under XXXX XXXX dollars to begin a repayment plan. I specifically inquired if this was a " settlement '' and was told in no uncertain terms it was not. Later that day I received a " stipulation for settlement '' I have correspondence from XXXX XXXX 2017 showing they had my correct address. Since then they have continued to attempt to serve me papers at previous address, new address with no apartment number etc. Presumably to be able to claim that the recordings of our phone conversation, which prove every detail of my statements, have been erased.
12/20/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 32828	Web	Servicemember
XXXX sued me over a credit card debt that was from XX/XX/XXXX and won a judgement against me in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and was dismissed in XX/XX/XXXX. The problem I have is when I called XXXX to get the statements from them they told me they can not provide them to me for court. They refuse to issue me any statements at all so I could properly defend myself in court. I wanted to defend myself in court to prove that XXXX wrongly double, triple and quadruple charged me for the same charge. For example, If i stayed in a hotel for {$150.00}, and asked XXXX to move over into their monthly payment plan program, or I moved it over they would charge me up to {$150.00}, {$150.00}, {$150.00}, {$150.00}. I have repeatedly complain to XXXX about this and they would fix it XXXX month and then the next month it would be back on the statement. The XXXX XXXX bills would reflect exactly what I am describing. So when I went to court XXXX refused to send me those statements so I could prove this in court. I asked the attorneys who sued me on behalf of XXXX for proof that I owe this money and they could n't produce any statements. When my attorney asked XXXX in court to prove that I owe these charges with statements they could not prove it in court. They still won in court a judgement for money I do n't even know, I had a professional accountant look at the statements and revealed that I over paid XXXX by {$5000.00}. Now my wages are being garnished {$1500.00} a month to pay a credit card I do n't even owe. I sent a copy of this complaint to the XXXX Attorney General as well XXXX
06/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33312	Web
I am writing to file a complaint against Modlin Slinsky ( debt collector ), P.A, Attorney for Plaintiff, XXXX XXXX XXXX XXXX in conspiracy with XXXX XXXX XXXXXXXX XXXX witness for what appears to be perjury by affidavit and unfair and misleading debt collection practices. On XX/XX/2023, I received notice from your company regarding an alleged debt of {$990.00} that I allegedly owe to XXXX XXXX XXXXXXXX XXXX. The notice included an affidavit signed by Assistant Custodian or Records for XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX identified as AFFIDAVIT OF INDEBTEDNESS dated XX/XX/2023, which I believe contains false statements. Specifically, the affidavit states that " After giving Defendant credit for all payments made, if any, the amount justly due and owing as of XX/XX/2023 is {$990.00} '' ( Exhibit B ). These statements are untrue and have been made with the intention of deceiving me into paying a debt that I do not owe as expressed by supporting statement with closing date XX/XX/2023 ( exhibit A ). This constitutes perjury by affidavit, which is a serious offense under the law. Furthermore, The I have attached a formal NOTICE OF DISPUTE AND VERIFICATION OF DEBT REQUEST NOTICE OF REQUEST FOR ACKNOWLEDGMENT NOTICE OF REQUEST FOR RELIEF for futher clarification of the alleged obligation. I demand that your company immediately cease all attempts to collect this alleged debt and remove any negative information from my credit report related to this alleged debt. If your company fails to comply with this demand, I will have no choice but to pursue legal action against you.
11/09/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 33484	Web	Older American
This compliant file against the law frim of Molding & Slinsky, PA XXXX XXXX corporate office in XXXX FL. Who is the represent of XXXX XXXX XXXX Here are the fact XXXX XXXX is a company were the member had to pay a member duties of XXXX per year. card number XXXX is a gold card. XXXX XXXX NO reason the closel the card base on these fact that they request financial statement for the year XXXX and give the client just 15 day to send the finical report to them. the client could not produce the financial base on the fact that CPA was out commission for a year. XXXX XXXX just had bill the client the card for XXXX membership fee. which in fact that shall be refund back the client. the client have never missed any monthly payment or late that XXXX XXXX request over since the card was issue back in XXXX. the evidence will show that there are two card that have a XXXX per card per year membership fee. Which is XXXX that XXXX XXXX just bill the client for. XXXX XXXX need to refund those charge. and this account is not past due on the second card number is XXXX but XXXX XXXX failed to put that card in collection why? we just pay then on or about XX/XX/XXXX for amount of XXXX and the pay ment was XXXX and pay them on XXXX XXXX XXXX forXXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX XXXX which is XXXX in one month. CFPB need to invesgatin XXXX XXXX for take there client money and then close there account. that unfair practice. please have XXXX XXXX to produce and presented a validate document of this debt by a sign date personals Guarantee by the owner of a LLC.
05/23/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 34238	Web
Hello, I have a judgment against me from XXXX XXXX, Florida filed by XXXX XXXX, P.A in 2018 representing two XXXX credit card debts. One is XXXX, the other is XXXX... proximately. The issue I have is that during the past years, they have sent me several settlement offers which I have accepted XXXX times now but they are just " tossing '' me around by phone when I am asking to finalize the offer that I accepted. Last week my bank account got garnished leaving my bank account empty with XXXX dollars. I am a single dad with a XXXX XXXX XXXX daughter, and now we have XXXX $ and I don't even know what to do. I have called an attorney this morning, but since I have XXXX $ there is nothing I can do since they need to be paid. ( I don't qualify for free legal service ). This was not the first unfear and unethical action from this debt collector. They have wrongfully garnished my ex-wife 's account years ago when I had to hire an attorney to get the money back. This debt collector doing its job, however, they are manipulating and misleading, giving missed information and since their offer was accepted by me three times over the phone, at this point this is abusive. Any time I call, they listen to me, and they say they will get back to me but never happens anything. I really could use some help here, hopefully, you guys have something for me, and maybe I can help others who became the victim of Modlin 's harassment, abuse, misinformation, and manipulation.
08/25/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33410	Web	Servicemember
I am a XXXX veteran who opened a business as an XXXX in XXXX. In XX/XX/XXXX, a card from XXXX XXXX was opened in my business name. I was aware that an offer was being made to open up an account with them, however, the partners never agreed to move forward in doing so. In XX/XX/XXXX I noticed that several purchases was made through XXXX XXXX. I was informed that this account was opened in my name via over the phone. I terminated all cards that came with the agreement and called XXXX XXXX to informed them to send me a copies of a signature to see who authorized the account. I never received any confirmation from them with such documents. I never received any statements after XXXX because we moved the business and changed our mail box account. My name was taken off of the business in XXXX because of my weakened health conditions of my XXXX. Received complaint in the mail on XXXX XXXX. Need to respond to amended complaint in next 20 days. We do not agree to the amount that is owed ( {$7000.00} ). We will be responsible for {$2500.00} at the most. What can I do since I ca n't represent myself in this matter. I have no funds to contribute to this because I have utilized everything I save up to start up my business. I filed a motion to dismiss for lack of standing and supporting memorandum in which it was denied on XXXX XXXX, XXXX counts 1 & 2 was dismissed but the judge is holding me on counts 3 & 4 which includes the account stated documents.
03/24/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 325XX	Web
I had a credit card with XXXX XXXX that the minimum had gotten too high. I was unemployed and couldn't pay it. I tried to get XXXX to work with me on a payment plan, but they wouldn't and eventually charged it off. This was a couple of months before the CARES act and the {$600.00} federal UI assistance. Now multiple firms have been harassing me over this debt. This firm called XXXX XXXX has started now. I even received something in the mail stating that there may be some type of judgement against me. I am once again unemployed. I haven't had income since XXXX and have been living off of savings and investments the past few months. This is predatory behavior, and I want the phone calls and letters stopped. I did make an effort to try to pay this debt before it was charged off, but the original creditor was unreasonable. Now they have purchased the debt and intend to make a profit off of me while I am unemployed ... during a pandemic.
02/10/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	FL 33073	Web
On XX/XX/2023 at XXXX, XXXX XXXX XXXX XXXX XXXX ) filed a notice of limited appearance for court case number XXXX in the Seventeenth Judicial Circuit in and for XXXX XXXX XXXX FL. A Notice of Service Court Document was delivered to myself ( XXXX XXXX ) and to representatives of XXXX XXXX Modlin and associates at XXXX, XXXX, and XXXX. On XX/XX/2023 at XXXX, I received a phone call from Modlin and Associates at phone number XXXX at my cell phone number XXXX. Persuant to the Fair Debt Collect Practices Act 15 USC 1692d, " if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer. ''
07/22/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33139	Web
On XXXX XXXX 2017, filed extension with court to continue abusive collection proceedings under false claim that they had obtained new service address. I offer proof they have had my correct address since before XXXX XXXX 2017.
11/25/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33068	Web	Older American

05/07/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 92262	Web

10/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 90034	Web

06/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32836	Web

11/07/2020	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	FL 33416	Web

03/26/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34997	Web	Servicemember

03/26/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34997	Web	Servicemember

03/26/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34997	Web	Servicemember

11/26/2019	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language		Phone

09/13/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 34990	Referral

08/05/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32526	Web	Older American

04/24/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt		Phone

11/02/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32832	Web

09/01/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 33139	Web

02/17/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	FL 32608	Web

11/23/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	FL 32216	Phone

09/12/2016	No	Debt collection Credit card	False statements or representation Indicated committed crime not paying	FL 33426	Postal mail