| 12/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Complaint against Rausch Sturm LLP for criminal conduct regarding barred lawsuit XXXX XXXX reference XXXX presented now in multiple filings PART 1 of 5 SUPPLEMENT - XXXX Demand for Arbitration - Consumer Arbitration Rules IN-PERSON hearings requested requiring all parties to appear Consumer : XXXX XXXX XXXX XXXX ) ( Claimant ) Business : XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX Lawsuit # XXXX INITIAL STATEMENT - XXXX CRIMINAL CONDUCT XXXX has acknowledge that it received a CEASE and DESIST Notice on XX/XX/XXXX via XXXX CFPB Complaints and marked all XXXX accounts as Red Flagged to prohibit ALL Communication. At the request of XXXX, XXXX typed starting in XX/XX/XXXX and filed XXXX XXXX Consumer demands in early XX/XX/XXXX including XXXX case # XXXX for the XXXX credit card account # XXXX listed above subjecting the entire dispute to the exclusive jurisdiction of XXXX pursuant to the attached arbitration agreement. Subsequent to the filing of the XXXX case, XXXX, by its lawfirm RAUSCH STURM LLP ( Rausch ), sent an invalid Debt Validation Notice for account # XXXX which XXXX complained in multiple CFPB complaints to XXXX and Rausch that the Notice violated the Cease and Desist Notices of XX/XX/XXXX and all disputes were pending in previously filed XXXX binding arbitration cases. After XXXX filed extensive Discovery related pleadings for the XXXX active XXXX cases on or about XX/XX/XXXX, XXXX counsel became frustrated and Rausch was retained and filed a prohibited lawsuit for solely account # XXXX against XXXX in Orlando Florida state court on XX/XX/XXXX knowing that XXXX had exclusive jurisdiction over the dispute for over XXXX months as XXXX counsel XXXX XXXX had filed Appearances, Answers, Affirmative Defenses and submitted relief regarding all account including # XXXX. This new XXXX case includes the egregious retaliatory conspiratory criminal conduct of XXXX, Rausch, XXXX XXXX, XXXX and others as set forth in the next XXXX pages. After XXXX complained to his XXXX Manager that XXXX had filed XXXX other lawsuits on XX/XX/XXXX, rather than withdraw the XXXX lawsuits before the XX/XX/XXXX deadline required by the XXXX Manager, XXXX escalated its RICO conduct by filing a XXXX retaliatory state court lawsuit on XX/XX/XXXX by Rausch for account # XXXX. As written by the quotes of XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Never interupt your enemy when he is making a mistake and the opportunity of defeating the enemy is provided by the enemy himself. XXXX retaliatory and criminal MISTAKES are FATAL and can not be overcome. SURRENDER by settlement is XXXX only realistic option to avoid never ending costly matters, including Florida Bar disciplinary matters. This matter has been escalated to XXXX Executive Vice-President, General Counsel and Secretary who is expected to deal with all matters to do what is right.
XXXX BINDING ARBITRATION AGREEMENT XXXX attached Arbitration Agreement and Arbitration Provisions, written by XXXX, are contained in XXXX Cardmember Agreement. ( SEE EXHIBIT, attached hereto ). Consumer-Claimant-XXXX files for Arbitration with the XXXX pursuant to this Arbitration Agreement seeking IN-PERSON Hearings in XXXX, Florida. XXXX has been unable to obtain this Agreement directly from XXXX despite multiple demands in writing directly to XXXX via the Consumer Financial Protection Board ( CFPB ) Complaint portal despite the CFPB websites statement : Under federal law, your credit card issuer is required to provide a copy of your agreement upon request. Despite XXXX refusal of its obligation to provide XXXX with its credit card and arbitration agreements, XXXX filed its exact credit card and Arbitration provisions in the CFPB data base regarding agreements with XXXX as required by law. The source of XXXX attached arbitration agreement is therefore from the CFPB data base in its online portal. It must be noted that XXXX was required to file all its arbitration agreements with the XXXX by certifying them as registered arbitration agreements and included in XXXX website ( XXXX ). However, such agreement may not be the enforceable valid agreement filed with the CFPB but may be a fraudulent and poorly written and MATERIALLY inaccurate attempt to rewrite the true provisions to confuse and provide the consumers less than the true agreement by paraphrasing the valid agreement in question and answer form, MATERIALLY inconsistent with the one and only true agreement attached hereto. XXXX recommends that the XXXX promptly delete all of XXXX MATERIALLY inaccurate, conflicting and inconsistent registered arbitration agreements, if any, and replace it with the valid standard one presented by XXXX herein and included in the CFPB website, of course, charging XXXX with the appropriate fees to delete and amend the registered agreement. The only value of any XXXX purported arbitration agreement filed with XXXX is that it acknowledges that an arbitration agreement exists to allow this arbitration filing to proceed. XXXX simply, the XXXX and Arbitrator should not consider the XXXX arbitration agreement on file with the XXXX, if any, and it should be stricken from XXXX website as fraudulent, if inaccurate and intentionally frivolous, if conflicts exist. In the landmark Florida Supreme Court of Florida case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX decided XX/XX/XXXX CONCLUSION. We hold that, because XXXX Terms of Service incorporated by reference the XXXX Rules that expressly delegate arbitrability determinations to an arbitrator, the agreement clearly and unmistakably evidences the parties intent to empower an arbitrator, rather than a court, to resolve questions of arbitrability. Since XXXX arbitration agreement, under identical sets of facts and law, empowers XXXX Arbitrator, not a court, judge or anyone else to rule on arbitrability on his or her own jurisdiction, the XXXX should promptly allow the parties to advance and select a mutually acceptable arbitrator in the XXXX Florida area to proceed with Arbitration. XXXX can not dispute the authenticity of the attached arbitration provisions as it has been incorporated in the public records of existing Florida state court lawsuits. More importantly, for this XXXX account, it has acknowledged the provision and accepted exclusive jurisdiction with the XXXX by filing in other XXXX cases Answers and Affirmative Defenses reserving the right to file counterclaims. Thus, there can be no objection to the jurisdiction of XXXX based on the attached arbitration provisions agreed to as binding by XXXX. Furthermore, in responses to CFPB complaints included herein under Claim # XXXX, XXXX wrote that XXXX should file XXXX demands for arbitration pursuant to the arbitration provisions which it acknowledged are valid and enforceable.
Claimant, Consumer, XXXX, elects, selects, chooses and seeks IN-PERSON HEARINGS in XXXX Florida in this Individual Single Consumer Case providing a Filing Fee of {$220.00} which must be paid by XXXX as the Arbitration Agreement states : RESOLVING A DISPUTE WITH ARBITRATION DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT : ( 1 ) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE If either you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between you and us This Arbitration section broadly covers claims, including counterclaims Arbitration may be requested at any time, even where there is a pending lawsuit, unless a trial has begun, or a final judgment entered. any dispute that concerns the validity or enforceability of the Agreement as a whole is for the arbitrator to decide.The party who wants to arbitrate must notify the other party in writingThe party seeking arbitration must select either XXXX or XXXXto administer the arbitrationThe arbitrator must apply the same law, consistent with the Federal Arbitration Act ( FAA ), that would apply to an individual action in courtThe arbitrator will apply the same statutes of limitations and privileges that a court would apply if the matter were pending in court. The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including, without limitation, punitive damages and injunctive, equitable and declaratory relief The parties will bear the fees and costs of their attorneys, witnesses and experts. The arbitration will take place by phone or at a location reasonably convenient to you. If you ask, we will pay all the fees the administrator or arbitrator charges if you can not obtain a waiver of fees from the administrator and are acting in good faith. We will pay arbitration costs required by the administrators rules or that are necessary for this Arbitration section to be enforced This Arbitration section is governed by the FAA.
XXXX selects, elects, demands and chooses XXXX for arbitration for the dispute with XXXX. XXXX agreed to pay 100 % of all arbitration and filing fees so all fees are required to be paid by XXXX and all billing should be sent to and paid by XXXX without payment of any kind from XXXX who is unable to pay anything anyway and will be filing a FEE WAIVER by mail to XXXX XXXX, RI mailing address within XXXX days of filing a Demand for Arbitration under Consumer Arbitration Rules.
XXXX Consumer Arbitration Rules - Costs of Arbitration - Amended and Effective XX/XX/XXXX ( Costs ) states : Single Consumer Case Filing : In cases before a single arbitrator where the individual is the Claimant, a non-refundable** filing fee, capped in the amount of {$220.00}, is payable in full by the individual when a case is filed unless the parties agreement provides that the individual pays less. A non-refundable filing fee in the amount of {$370.00} is payable by the business once the individual claimant meets the filing requirements, unless the parties agreement provides that the business pay more.
XXXX must pay any arbitration fees since XXXX agreed that If you ask, we will pay all the fees the administrator or arbitrator charges if you can not obtain a waiver of fees from the administrator and are acting in good faith. We will pay arbitration costs required by the administrators rules or that are necessary for this Arbitration section to be enforced, XXXX asks that XXXX pay all fees if XXXX can not obtain a waiver of fees. XXXX has demanded that XXXX file for arbitration but it has refused. If XXXX had filed for arbitration as demanded, it would have been required by XXXX rules to pay 100 % of all fees with the consumer to pay {$0.00}. XXXX failure to file can not force and shift liability to XXXX to pay fees that were required by XXXX to pay to XXXX. XXXX agreed to pay more than the {$370.00} filing fee for the business by also paying the {$220.00} filing fee of consumer XXXX as XXXX is further unable to pay anything and requires XXXX to pay all fees. Thus, pursuant to XXXX Rules on Costs, requiring XXXX to pay less or {$0.00}, XXXX must pay and be billed for the {$370.00} business filing fee plus the {$220.00} Consumer filing fee or {$600.00} with XXXX required to pay {$0.00}. Thus, an XXXX Case Number for this filing should be assigned upon receipt of this filing as the full {$600.00} filing fees will be required to be paid by XXXX pursuant to its agreement to pay all fees including XXXX fees. The XXXX and the parties will not be prejudiced as a Case Number will be necessary anyway to credit payment from XXXX. Since the XXXX will not move forward until it receives the full {$600.00} and other fee payments required from XXXX, delaying ministerial assignment of an XXXX Case Number will not prejudice the XXXX as a Case Number will be necessary anyway to bill and credit payment from XXXX. Thus, it is in the best interest of the XXXX to promptly assign a Case Number for payment, billing and communication purposes. XXXX also submits details of his claims against XXXX so that the XXXX can calculate an initial estimate of the arbitrators costs regarding this dispute which will require XXXX full days of an IN-PERSON hearings in XXXX. Most of XXXX Discovery Requests will involve computerized credit card data in the possession of XXXX which it reported to credit reporting agencies about XXXX XXXX account so XXXX should be simple unless XXXX refuses to report damaging needed data. XXXX expects extensive discovery issues caused by XXXX so the XXXX should take this into consideration when requesting payment from XXXX. XXXX expects a need for Discovery from credit reporting agencies XXXX, XXXX and XXXX XXXX about XXXX XXXX account so the XXXX should keep this in mind when estimating fees to be ultimately paid by XXXX. A great amount of effort has been expended in the preparation of this multi-page filing to assist the reader and arbitrator in ascertaining a clear picture of the entire dispute and the type of simple Discovery required to prepare statements of undisputed material facts for IN-PERSON hearings.
Briefly explain the dispute ( attachment & supplement to item # 2 of Demand ) : This Demand For Arbitration under the Consumer Arbitration Rules arises under, inter alia, the Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 1961-1968 ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x ; the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, the Florida Consumer Collection Practices Act ( FCCPA ), Florida Statutes ( FS ) Sections 559.55-559.785, and Floridas Extortion Statute Section 836.05 to obtain monetary civil and criminal related liabilities and penalties, statutory damages, punitive damages, extinguishment and forfeiture of disputed and UNLAWFUL debts, actual damages and attorneys fees and costs, permanent injunctive relief, and other equitable relief for XXXX violations of RICO ( which imposes severe penalties for intentional criminal conduct constituting a pattern of Racketeering activity dealing with unlawful activities ), the FCRA, ( which imposes duties upon consumer reporting agencies and those who furnish information to a consumer reporting agency ( CRA ) or use information obtained from a CRA ), the FDCPA, 15 U.S.C. 1692-1692p, ( which imposes duties upon debt collectors ), the FCCPA ( which prohibits 19 practices set forth in FS 559.72 ), Floridas Extortion Statute Section 836.05 ( which imposes {$10000.00} fines and imprisonment ) and other repetitive extreme, outrageous, severe, reckless, illegal, unconscionable conduct and abuse of power, frauds on the Courts beyond bounds of decency intended, by licensed attorneys of the Florida Bar , to severely damage XXXX, a vulnerable XXXX XXXX XXXX Elder by the obvious resulting damage caused by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lasting over XXXX months.
Further detailed explanation of the dispute with XXXX Claims including Statement of the Facts and Case with incorported Memorandum of Law : XXXX has liability to XXXX under 15 U.S.C. 1681o which states : Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subsection with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court XXXX has liability to XXXX under 15 U.S.C. 1681n which states : Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subsection with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} which ever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) CIVIL LIABILITY FOR KNOWING NONCOMPLIANCE Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater.
XXXX has liability to XXXX under 15 U.S.C. 1681q which states : Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title18, imprisoned for not more than XXXX years, or both.
XXXX has liability to XXXX under 15 U.S.C. 1692k - Civil liability further states in relevant part : ( a ) AMOUNT OF DAMAGES Except as otherwise provided by the section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court XXXX willfully violated 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information by ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors to XXXX, XXXX and XXXX XXXX despite the prohibition and ( B ) Reporting information after notice and confirmation of errors..that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
XXXX also willfully violated 15 U.S.C. 1681s-2 ( a ) ( 2 ) Duty to Correct and Update Information of Furnishers of Information as it ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate and did not promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
XXXX has liability under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 1961-1968, which imposes severe penalties for its deliberate known criminal conduct constituting a pattern of Racketeering activity dealing with unlawful activities.
XXXX has liability under Floridas Consumer Collection Practices Act ( FCCPA ) for violations of many of the 19 prohibited practices subsections of FS 599.72.
XXXX has liability under Floridas Extortion Statute Section 836.05 for {$10000.00} per violation.
XXXX has liability for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Known With Substantial Certainty to cause severe harm to XXXX by licensed attorneys who knew better.
ADDITIONAL OVERVIEW OF THIS XXXX CASE For almost a year, XXXX has been disputing, via CFPB complaints, XXXX XXXX credit card accounts with XXXX directly and separately with the major credit reporting agencies ( CRAs ) who forwarded disputes to XXXX for investigation and response. However, despite such multiple and repeated disputes filed with the CFPB, XXXX and every CRA has willfully and maliciously failed to permanently mark the accounts as disputed on credit reports and failed to meet its obligations under federal and state law. On XX/XX/XXXX, XXXX filed a CEASE and DESIST notice with the CFPB whereby XXXX was served via the portal on XX/XX/XXXX and required to immediately STOP all communications of any kind, both direct and indirect. XXXX wrote the CFPB in early XXXX acknowledging the CEASE and DESIST notice and obligations recommending that XXXX file arbitration cases with the XXXX pursuant to the arbitration provisions with XXXX to adjudicate existing disputes in the XXXX forum pursuant to the arbitration provisions. However, despite the CEASE and DESIST notices, XXXX, more than XXXX days thereafter, maliciously and illegally referred its files to XXXX law firms ( on XX/XX/XXXX ) sending prohibited and aggressive Debt Validation Notices to XXXX received in XX/XX/XXXX and in the instant case for account XXXX, AFTER XXXX filed XXXX Arbitration cases including account # XXXX under XXXX case XXXX. In early XX/XX/XXXX, at the recommendation of XXXX, XXXX filed XXXX detailed XXXX page Arbitration cases with XXXX which XXXX accepted jurisdiction, filed Notices of Appearances by counsel, Answered the cases, paid filing fees and filed Answers and Affirmative Defenses subjecting the disputes to the exclusive jurisdiction of the XXXX pursuant to the arbitration provisions. XXXX counsel became frustrated and rather than file a one sentence counterclaim in each of the XXXX XXXX cases, she orchestrated a criminal plan by deliberately arranging the filing of XXXX identical barred state court lawsuits, XXXX on XX/XX/XXXX and a XXXX on XX/XX/XXXX for identical cases pending for XXXX months in XXXX arbitration cases with XXXX separate law firms being assigned to XXXX separate state court judges. This new XXXX arbitration demand and claims deal with extensive and ongoing repeated illegal retaliatory fraudulent and criminal actions by XXXX and its lawyers for illegal actions AFTER the filing of the XX/XX/XXXX CEASE and DESIST notices and AFTER the early filing of XXXX XXXX cases in early XX/XX/XXXX before sending Rauschs Debt Validation Notice. Much of the illegal conduct is evidenced by CFPB Complaints served upon XXXX and its counsel, including Rausch, some of which are included in part hereinafter. There is so much illegal conduct by XXXX for the last XXXX months that is difficult to present the facts chronologically so many of the CFPB communications will be presented in Claim # XXXX to give the reader a prospective for understanding all past claims including subsequent claims. While this NEW XXXX case is totally different from the pending XXXX XXXX cases against XXXX, XXXX re-alleges the previously filed XXXX cases as if specifically set forth at length herein so that a reader may fully understand the entire complex dispute with XXXX which XXXX has escalated with repeated criminal extortionate RICO activity known to be outrageous, especially by licensed attorneys. In a nutshell, while it may appear that XXXX left hand does not know what its right hand is doing, in reality, XXXX knew exactly what it had planned and executed with its conduct which, at a minimum, was fraudulent and extortionate. After XXXX complained on XX/XX/XXXX to XXXX counsel XXXX XXXX and his XXXX Manager about the XX/XX/XXXX XXXX state court lawsuits, XXXX in spite of XXXX exclusive jurisdiction escalated matters by retaliating in a conspiracy and filing a third state court lawsuit on XX/XX/XXXX by Rausch knowing it was prohibited. XXXX knows its actions are illegal but it refuses to comply with its statutory obligations. Any one of XXXX allegations is sufficient to justify a huge award against XXXX in favor of XXXX. In combination, the repeated malicious and retaliatory actions of XXXX mandates such a sizeable award to punish XXXX to prevent further illegal actions. To prevent a vexatious multiplicity of proceedings by XXXX in multiple state and federal courts, XXXX has written to XXXX Executive-Vice Present, General Counsel and Secretary, XXXX XXXX , but no response has been received except an attempt to conceal the unethical conduct.
CLAIM # 1 - Statement of the Facts and Law and Relief Requested Claimant, XXXX, is an individual who is a citizen of the State of Florida residing at all relevant times in XXXX XXXX, Florida. XXXX is a consumer as defined by 15 U.S.C. 1692a ( 3 ). On information and belief, XXXX debt collector and law firm, XXXX XXXX XXXX XXXX XXXX ( XXXX ), is a Florida Limited Liability Company and Law Firm with a principal place of business in XXXX XXXX, Florida with offices at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, Florida XXXX. On information and belief, XXXX additional debt collector and law firm, Rausch Sturm LLP ( Rausch ) is a Nationwide Limited Liability Company and citizen of every state in which it operates with a principal place of business at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX and a Florida address at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Florida XXXX. Rausch and XXXX are regularly engaged, for profit, in the collection of debts allegedly owed by consumers to creditors, such as XXXX. Rausch and XXXX are each a debt collector as defined by 15 U.S.C. 1692a ( 6 ). XXXX continues to falsely allege that XXXX owes a debt ( the Debt ) to XXXX which XXXX has disputed. XXXX filed multiple CEASE and DESIST demands to XXXX on and after XX/XX/XXXX pursuant to multiple repeated written Complaints filed with the Consumer Financial Protection Board ( CFPB ), acknowledged by XXXX and XXXX attorneys and debt collectors, Rausch and XXXX, in CFPB responses. The Debt was primarily for personal, family or household purposes and is therefore a debt as defined by 15 U.S.C. 1692a ( 5 ). Sometime after the purported incurrence of the entirely disputed Debt, XXXX disputed the Debt due to willful and intentional violations of the FCRA, FDCPA and other statutes which are documented herein and in detail in pending XXXX cases and numerous CFPB Complaints. XXXX took absolutely no action to correct the deliberate violations of law despite repeated notices from CFPB, XXXX, XXXX and XXXX XXXX. Thereafter, at an exact time known only to XXXX, Rausch and XXXX, the Debt was assigned or otherwise transferred by XXXX to Rausch and/or XXXX for collection which XXXX claimed was on XX/XX/XXXX in responses to CFPB complaints. In its efforts to unlawfully collect the disputed debt containing a known and acknowledged CEASE and DESIST notice for ALL COMMUNICATIONS, Rausch, at the direction of XXXX, contacted XXXX by letter ( the Letter ) dated XX/XX/XXXX. The Letter was in an envelope postmarked and received after XX/XX/XXXX ( WEEKS AFTER XXXX FILED HIS XXXX CASE for account XXXX ) in an unsealed envelope believed sent by an unauthorized third party mailing service unauthorized to receive sensitive confidential personal data about XXXX in further violation of the FDCPA and state related statutes designed to protect sensitive data from being released to unauthorized parties. The Letter, barred by the CEASE and DESIST notice of XX/XX/XXXX, was the initial communication XXXX received from XXXX debt collector Rausch as stated in the Letter regarding account # XXXX. The Letter is a communication as defined by 15 U.S.C. 1692a ( 2 ). 15 U.S.C. 1692e prohibits a debt collector form using any false, deceptive, or misleading representations in connection with the collection of any debt. The question of whether a collection letter is deceptive is determined from the perspective of the least sophisticated consumer. 15 U.S.C. 1692e ( 3 ) prohibits a debt collector from using the false representation or implication that any individual is an attorney or that any communication is from an attorney. The Letter is on the letterhead of XXXX debt collector, Rausch, a law firm. The Letter states, www. rauschsturm. comRausch Sturm LLP is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX Call or write to us by XX/XX/XXXX, to dispute all or part of the debt If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt Go to www. cfpb to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you The Letters non-existent signature block implies it was sent by Rausch Sturm LLP but is unsigned as it was obviously or possibly sent by an unauthorized mailing service or ROBO FILER where XXXX sensitive personal data was released. The Letter identifies Rausch as a debt collector. Rausch was acting as a debt collector, as defined by the FDCPA, concerning XXXX alleged yet disputed debt despite known red flags in the file containing XXXX XX/XX/XXXX CEASE and DESIST notices barring any further communication of any kind including the XX/XX/XXXX notice of Rausch. The FDCPA and related statutes prohibit a debt collector from sending a letter, such as the subject Letter herein, if such letter misleads the consumer regarding meaningful attorney involvement in the debt collection process. A letter, such as the subject Letter herein, does not mislead a consumer regarding meaningful attorney involvement in the debt collection process so long as that letter includes a disclaimer, such as the following : At this time, no attorney with this firm has personally reviewed the particular circumstances of your account. The Letter contains no such disclaimer. Because the Letter states that it is from a law firm, and because the Letter contains no disclaimer as to meaningful attorney involvement, the least sophisticated consumer would likely believe that one or more attorneys have been personally involved in the day-to-day collection of XXXX debt. The least sophisticated consumer would likely be deceived by Rauschs conduct especially in light of the CEASE and DESIST notices red flagged by XXXX on XX/XX/XXXX as acknowledged by XXXX in responses it sent to the CFPB documented herein. The least sophisticated consumer would likely be deceived in a material way by Rauschs conduct especially in light of the CEASE and DESIST notices specifically acknowledged by XXXX. The least sophisticated consumer would likely be deceived into believing that an attorney had meaningful involvement in the collection of the alleged debt especially since CEASE and DESIST notices had been red flagged on XX/XX/XXXX in XXXX system available to even ROBO FILERS such as Rausch after the required investigation from XX/XX/XXXX to XX/XX/XXXX. XXXX, by its actions referring the matter to a debt collector and the actions of its debt collector agent Rausch, has violated 15 U.S.C. 1692e by using a false, deceptive, and misleading representation in its attempt to collect the disputed debt containing known CEASE and DESIST notices.
|
| 10/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Part 2 of 2 continued Debt collector obligations 809. Validation of debts ( Part 2 of a 2 Part CFPB Complaint ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rausch Sturm LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demands for arbitration case XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX awaiting filing fee payments billed for {$600.00} for each case from XXXX XXXX as consumer XXXX filing fees satisfied/paid Dear Debt Collector : - ( continued from Part 1 of 2 ) The amount and age of the purported debt, including : A copy of the every billing statement sent to me by the purported original creditor since inception.
State the required Date of First Delinquency ( XXXX ) with the detailed amount of the purported debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing. If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment and amount made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss ( in writing, of course ) the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name and previous names on the license, the license number, the valid status of the license and the name, address and telephone number of the state agency issuing the license. Also provide me with any name currently and previously included as a debt collector for making CFPB complaints on its website.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you in writing with all documentation requested herein to make an informed decision about your claim that I owe this money. I expect a one time written communication for this purpose but only in writing provided you fully address each and every item of requested data I seek. In order to make sure that I am not put at any disadvantage, in the meantime please treat this purported debt as being in dispute in its entirety. Nothing contained in my letter should be construed in any way as an admission of any responsibility whatsoever for the purported claim. Failure to respond in writing controverting my allegations and points shall be deemed your admission by your non response and all conflicts shall be resolved in my favor.
In addition to providing the information requested above, please let me know whether you are prepared to pay me for statutory and punitive damages in an amount not less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will pay me to fully resolve the account with an exchange of mutual general releases which, of course, would require permanent deletion from every CRA file of any reported data, if any.
In addition to the Federal Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act prohibits harassment, false or misleading statements and unfair practices by collection agencies and debt collectors. Some violations of these acts are listed below : 1. They threaten to tell your employer or neighbors about the debt ; 2. Threaten violence against you ; 3. Threaten to have you arrested ; 4. Communicate with you or your spouse more than three times a week ; 5. Harass, intimidate, threaten or embarrass you ; 6. Imply that documents sent to you are legal documents or government documents ; 7. Imply that you can be deported ; or 8. Solicit a postdated check in order to threaten criminal prosecution.
The CFPB and advocates recommend consumers to also check to see if their state licenses debt collectors and if the company that is contacting them is licensed. If a state does not license debt collectors, check the registry for a neighboring state. Some states also provide licensing information to the XXXX XXXX XXXX XXXX XXXX XXXX That website will thus provide a few more states where the debt collector might be licensed. I purposely repeat myself to make it clear that I need to know complete details of what licenses you are required to have and what licenses you have.
The CFPB and others recommend the Stop Contact or Cease Letter strategy to stop collection harassment by writing the collector a stop contact letter, also called a cease letter. Then the collector can only acknowledge the letter and notify the consumer about legal steps the collector may take. This protection usually only applies to collection agencies hired by the creditor or debt buyers that purchased debts from the creditor, but even creditors collecting their own debts must honor such requests as basic agency law requires creditors to be responsible for actions of the bill collector agents. Again, as stated above purposely several times to make the point absolutely clear, please stop contact and cease further communication of any kind whatsoever.
I have also stated several times what advocates call the Exempt Income Letter to avoid fruitless expenses. If a consumers only sources of income are state or federal government benefits, their income may most likely be exempt or protected from collection. If the collector is informed that government benefits are the consumers only source of income, the collector may voluntarily stop contacting them about the alleged debt. Collectors can be informed that all of the consumers income is exempt which I have done to avoid an unreasonable multiplicity of proceedings having no purpose. Again, All of my limited income is from EXEMPT sources!
Again, you should consider this a Dispute Letter as I DISPUTE the entire purported claim. If the consumer believes the debt is not theirs, that the amount is incorrect, or that there is some other error, the consumer or their attorney should send the collector a dispute letter. Collectors make a lot of mistakes and disputing the debt may help resolve the matter.
Federal law requires debt collectors to provide validation information about the alleged debt and consumers rights to dispute the debt. Collectors will be able to provide this information in writing.
It is recommended that if a debt collector claims to have sent a notice previously but the consumer never received it, ask for another copy. Keep a copy of any letters that are sent. It is best to send the letter by mail, return receipt requested. A CFPB complaint is the best method to document a DISPUTE and Debt Validation as it not only proves delivery to the Debt Collector but it requires the Debt Collector to respond promptly. Debt Validation letters and Disputes can also be sent electronically using any type of electronic communication that the debt collector uses to accept consumer communications. If the collection agency accepts emails from consumers, the dispute letter can be sent via email. To insure this letter is not lost, delayed in the mail or mishandled by the Debt Collector, I am also sending this letter with any attachments via the CFPB Complaint Portal and website to assure receipt and guarantee a timely response.
Advocates such as the CFPB state that a dispute letter may be combined with a request for more information in a Verification Letter.
Often it is not even clear what debt a collector is contacting the consumer about, and in that case, the consumer should not pay the collector until more information is obtained. Federal law requires debt collectors to provide validation information about the alleged debt. However, the consumer may still have more questions about the alleged debt. My letter demands documentation which is indispensable in determining the amount and validity of the purported claim.
The FCRA requires every CRA and Furnishers to maintain reasonable procedures in their operations to assure maximum possible completeness and accuracy of data in the credit reports they report and publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The CFPB has repeatedly criticized the dispute process involving Furnishers and CRAs. CRAs routinely fail to forward complete written disputes to Furnishers and routinely PARROT non existent investigations and certifications from Furnishers and fail to delete and prevent known Facially False Data in violation the recent directives of XXXX XXXX, CFPB Director. To enforce the FCRA, I have filed multiple direct and indirect CRA/Furnisher written disputes including about 100 CFPB complaints yet virtually no dispute is listed on my credit reports as Disputed as required in willful violations of the FCRA and XXXX XXXX protocols. To the extent that your purported debt has been directly or indirectly included in any of my written disputes, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide ( in addition to all facts regarding investigation records ) the names and business addresses of each individual with whom you client verified the purported debt reporting above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. Furthermore, each of my credit reports for each account contain different and conflicting data on my paper credit reports and data required from Furnishers is either negligently or purposely missing, impossible, incorrect or conflicting and more importantly, Data submitted through Metro 2 is not contained on my paper credit reports resulting unknowingly to be of current accounts being falsely reported as 60 days late with credit scores being up to 200 points lower than expected. Metro 2 compliance is out of control. For your purported debt, if it has been reported to a CRA, I need the actual Metro 2 submissions ( translated into XXXX ) for the last 3 years including every monthly and required interim submissions. If I have ever disputed an account with any creditor, I expect every credit report to continually contain the required and mandatory notice that it is DISPUTED which is not happening constituting willful FCRA violations. Any further violations of federal statutes will incur liability for actual, statutory, and punitive damages plus attorney fees and costs.
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies Text contains those laws in effect on XX/XX/XXXX 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
I insist on 100 % compliance with all FCRA and all statutes and knowingly reporting inaccurate information after notice shall constitute willful and negligent violations of the FCRA, subjecting violators to statutory damages of {$1000.00} per incident plus huge punitive damages for repeated known repeated violations. Any current or future debt collector or debt buyer is obligated to investigate and ascertain the extent of and existence of actual or potential FCRA violations before furnishing data to any CRA.
To insure compliance with the FCRA and other statutes, your written response must include the purported exact month-day-year for the Date of First Delinquency and the exact day-month-year that the disputed claim would be required to be deleted from every CRA account under the 7 year statute of limitations for credit reporting assuming no payments are made in the future.
There is a Duty to Provide Notice of Delinquency of Accounts. In order for there to be a uniform date by which all consumer reporting agencies would compute the seven-year reporting period for adverse items of information, Congress included section 623 ( a ) ( 5 ) with the intent that the seven-year reporting period begin with the commencement of the delinquency rather than any other date. That section of the FCRA states that " a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall. .. notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. My credit reports for every CRA and for most accounts fails to report the mandatory date of First Delinquency in violation of law.
Virtually every account on each of my credit reports fails to list my account as DISPUTED pursuant to the clear statute requirements. Failing to list a disputed debt as disputed on every CRA is purposely done by Furnishers for a sinister purpose to harm consumers as much as possible to lower credit scores. Once you dispute a debt to a credit reporting agency, they must report that debt as disputed on your credit file and in your credit reports. Also, if you dispute a debt to one of the three major credit reporting agencies ( XXXX, XXXX, or XXXX ), that particular agency must notify the other two bureaus that you dispute the debt. Failing to list the account as disputed, after a valid dispute has been sent to the credit reporting agency, is a violation of the FCRA. Not only are none of my valid disputes listed as disputed on my credit reports, but once a CRA lists my account as Disputed, virtually the next day the Furnisher will erroneously, purposelessly, maliciously, abusively, willfully, deliberately, intentionally and frivolously remove and delete the Disputed required entry using XXXX XXXX mid-cycle unauthorized and prohibited entries in violation of the Facially False Data prevention requirements recently explained in detail by CFPB Director XXXX XXXX. Not only is the entire XXXX XXXX system unworkable but employees are not adequately trained to insure accurate data coding. Willful failures to report accounts as Disputed and closed carry statutory damages of {$1000.00} plus punitive damages for each violation for every time the required entry was changed or deleted. I insist on 100 % compliance with the FCRA and other statutes mandating deletion if all disputed entries permanently.
A common FCRA violation is when a creditor posts late payments after the debt has charged off a past due balance. I will Document this violation by highlighting the accounts on every CRA and by filing a direct and indirect dispute with the Furnisher and every CRA. Care should be taken by the disputed purported debt collector to avoid violating any statutes, if it is stupid enough to report my data to any CRA.
The United States Supreme Court has held that willful violations of the FCRA include violations committed in reckless disregard of a company 's obligations under FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX This standard of willfulness is now the law of the land.
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this suit, alleging that XXXX XXXX XXXX violated its duties as a furnisher of information under FCRA , 15 U.S.C.A. 1681s-2 ( b ) ( 1 ), by failing to report the dispute. At the conclusion of the trial, the court instructed the jury on XXXX XXXX XXXX XXXX statutory duties as a furnisher of information. The trial court also instructed the jury that it could find XXXX XXXX XXXX had violated FCRA by failing to report the ongoing dispute After deliberation, the jury returned a verdict finding that XXXX XXXX XXXX had intentionally violated its duties under FCRA. The jury awarded XXXX no compensatory damages but did award the maximum possible statutory damages of {$1000.00} and punitive damages of {$80000.00}. WOW!!! This means that the failure of a Furnisher to report a DISPUTE on a consumers credit report could result in statutory damages of {$1000.00} plus punitive damages of {$80000.00}. Failure to list my account as dispute, in violation of law, will not help collection efforts and only result in huge damages to ensure and enforce compliance. While many attorneys recommend filing lawsuits right away for obvious FCRA and FDCPA violations, I prefer to give violators repeated notices as I prefer to get {$80000.00} instead of {$1000.00} when a violator is stupid.
I have a right to Privacy. Due to extensive and widespread malicious Willful violations of the FCRA, to protect my right to privacy, I hereby immediately OPT OUT and permanently revoke any right to report data on any of my credit reports as otherwise permitted and set forth in section 313.15 - Other exceptions to notice and opt out requirements- ( 5 ) ( i ) To a consumer reporting agency in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1682 et seq. or ( ii ) From a consumer report reported by a consumer reporting agency. The exceptions can apply if and only if every Furnisher and every CRA comply with ALL of their obligations under the FCRA. Once known violations of the FCRA have been disputed with Furnishers and every CRA multiple times without correction or deletion as required, the rights to report is deemed automatically revoked and an affected consumer may unilaterally OPT OUT entirely of credit reporting in the interest of justice. Consumer rights to OPT OUT from credit reporting to prevent inaccurate reporting TRUMP the rights of disputed creditors to flagrantly abuse the FCRA with impunity. The CFPB recently filed an amicus brief, arguing that furnishers are statutorily obligated to investigate both legal and factual questions raised in consumer disputes. The CFPB 's brief acknowledges that several federal courts have distinguished between " factual '' and " legal '' questions in determining the obligation of CRAs to investigate disputes under 15 U.S.C. 1681i. I need a complex analysis of the factual and legal issues and documentation requested herein rather than a worthless bare unsupported denial or statement.
Every Furnisher and CRA has failed to comply with any of their obligations as set forth in the below statute which is simple to understand.
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of furnishers of information to provide accurate information.
( 1 ) Prohibition.
* Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
* Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to speciry such an address ( 2 ) Duty to correct and update information. A person who * regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer : and * has furnished to a consumer reporting agency information that the person determines is not complete or accurate shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information. that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
1. Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
2. Duty to provide notice of closed accounts. A person who regularly and in the ordinary course of business furnishes information to a consumer reporting agency regarding a consumer who has a credit account with that person shall notify the agency of the voluntary closure of the account by the consumer, in information regularly furnished for the period in which the account is closed.
3. Duty to provide notice of delinquency of accounts. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action.
( b ) Duties of furnishers of information upon notice of dispute.
( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall * conduct an investigation with respect to the disputed information; * review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 168li ] ; * report the results of the investigation to the consumer reporting agency ; and * if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished Simply stated, Furnishers and every CRA willfully and negligently failed to fulfill their mandatory obligations. States and federal authorities seem to attempt to license every possible type of employee, even dog sitters and dog catchers! If a doctor and lawyer needs to be licensed, then it is more important that a XXXX XXXX compliance expert is more important to be licensed to protect the privacy rights of consumers. Send employees back to XXXX XXXX school and refrain from permitting new untrained employees to inaccurately code data entries on consumer credit reports. Some system needs to be in place with comprehensive internal controls to protect consumers from XXXX, XXXX, and XXXX XXXX digit codes summarizing complaints without reading and forwarding disputes to Furnishers and other CRAs. We do not need untrained high school students doing the job required by certified EXPERTS. Simple Facially False Data is unable to be detected and corrected after repeated disputes where a Furnisher admits inaccuracies. The entire credit reporting system is a disgrace and the CFPB needs to punish individual violators. I demand complete 100 % compliance with all statutes, federal and state, as a precondition for receiving payment if any kind. CRAs created an unworkable monster with the creation of XXXX XXXX and statutory and punitive damages are the sole remedy to provide consumers with rights required by statutes. We need XXXX XXXX XXXX to continue to partner with CFPB XXXX XXXX XXXX, to lay down the hammer on violators and individual Officers who continue to screw over consumers as part of their DNA.
Wouldnt you agree that deliberate violations of the FCRA which unjustly reduces a credit score by XXXX points is wrong? How would you like it if your XXXX and XXXX were wrongly affected by life changing FCRA willful violations? How would you like it if your employer fired you, your spouse or your adult children for repeated willful violations of federal statutes? How would you like it if the CFPB banned you for life from participating in the business you have worked in for 20 years? How would you like it if all of your assets and sources of income were frozen and taken away?
Have a XXXX and dont take your job so seriously that you will work for peanuts to damage innocent XXXX senior citizens who only seek to live the final few years of their life in peace without XXXX abuse!
|
| 02/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
IMMEDIATE NOTICE TO CEASE AND DESIST ALL COLLECTION AND REPORTING ACTIVITY ON THIS ACCOUNT.
As you are well aware, over 5 attempts have been made to validate this account with your company. Your company has been contacted personally in writing as well as via phone to discuss concerns about various points of inaccurate information that has been reported to credit reporting agencies. However, you have continued to deliberately deny my consumer rights. I have made your company aware of several inaccuracies regarding this account on numerous, documented occasions in my repeated request for proper and legal debt validation.
Here are the violations of federal laws that your company are intentionally engaging in : 15 U.S. Code 1692g - Validation of debts Notice of debt ; contents within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts -If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of XXXX XXXX [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
It has been revealed that you are in violation of SEVERAL FEDERAL LAWS. In accordance to the Authorization of Action : Authorization of Acts Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
Providing accurate information to Consumer Reporting Agencies 15 USC 1681 s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS!
-- Likewise, you are in violation of reporting in accordance to the Internal Revenue System. By federal law : You must report canceled debt as gross income on your business tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
Also, it is important to notate that that on XX/XX/2020 a request was made with a XXXX representative via phone, XXXX XXXX who acknowledged on a recorded line during the call that took place from XXXX to XXXX that the said account was in fact charged off. She acknowledged that the debt was illegally forwarded to Rausch Collection Agency and a 1099-C form was not mailed as requested. A request was made for this form during this conversation. To date, the consumer has not been provided such form ( s ).
Again, by definition of the IRS : Clearly states a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate.
15 USC 1681 s-2 states that you act as a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. Again, I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS!
|
| 03/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This complaint is for both companies, XXXX XXXX XXXX and Rausch Sturm LLP I initially had an account with XXXX XXXX XXXX regarding a collection with Smile Generation 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 XXXX XXXX XXXX informing me that my debt had been moved from them over to Rausch Sturm LLP starting in XX/XX/XXXX.
XX/XX/XXXX I then received a letter from Rausch Sturm LLP with a proposed stipulation with an amount of {$1100.00}.
I contacted Rausch Sturm LLP 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, XXXX payments in the amount of {$2500.00} first payment XX/XX/XXXX, and XXXX 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 XXXX XXXX XXXX. Once again, I did call and disputed this amount.
During this time, I have contacted XXXX & XXXX twice, both times to request the final paperwork with my balance of {$550.00}, Attorney XXXX also voiced to me over the phone as well stating that was my balance was {$550.00}. Attorney XXXX informed me that he had sent that paperwork over to Rausch Sturm LLP. Only document that Attorney XXXX 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 Rausch Sturm LLP again requesting for a payment schedule to be set up for the amount of {$1100.00}, also attached with XXXX other documents, XXXX showing XXXX XXXX XXXX, XXXX ( this was were the debt occurred ) XXXX XXXX XXXX ( myself ), debtor balance and the other was XXXX XXXX XXXX from XX/XX/XXXX the original e-filing.
I then contacted Rausch Sturm LLP on XX/XX/XXXX and requested to be sent the documents that were received by XXXX & XXXX, 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 XXXX XXXX XXXX through XXXX XXXX XXXX, and the letter that was sent to me from XXXX XXXX XXXX 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 Rausch Sturm LLP confirming my issues regarding the balance dispute and requesting additional information.
I reached out on XX/XX/XXXX and spoke to an individual at Rausch Sturm LLP 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 XXXX XXXX XXXX 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 XXXX XXXX XXXX, and I also second request to receive a copy of the documents that sent by XXXX XXXX XXXX, he noted that the documents that I received were from XXXX XXXX XXXX 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 Rausch Sturm LLP 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 XXXX 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 XXXX XXXX XXXX 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 Rausch Sturm LLP from XXXX XXXX XXXX, and the ending balance document from XXXX XXXX XXXX, and to be charged correctly, none of this has been followed through.
|
| 11/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XXXX of XXXX I received a call from a man stating that he was from Rausch Strurm Associates, and that I had a balance owed of {$2100.00} due to XXXX XXXX, I told him that I never had an account with XXXX XXXX I had no Idea who they were, he said that they were XXXX I have never had a store account with them and I am sure it can be verified through records of accounts, email address and home address.
I told him that a few months before I was getting calls from an agency with the same information on me but for XXXX XXXX and they had no account for me. I told him that a long time a go I have ID theft and this could possibly tie. Especially since the persons address was close to mine and I had XXXX adults and XXXX XXXX renting from me at the time. I needed to see details pertaining to the account.
He said that he would send me documents and fraud paperwork. I told him that I was in Az at the time ( Dad XXXX ) I gave him XXXX addresses to send the documents too as well as sent an email on XX/XX/XXXX that I would take them via email.
I never received the documents and did not return home to find any documents here. I did not have all the information down since I was on the road ; so I checked my credit and I did not find any accounts, and assumed it was fraud like the XXXX XXXX and other accounts.
XX/XX/XXXX I logged into my personal checking account and they had garnished me for over {$700.00} and then my bank charged me a fee of {$100.00}. I was flabbergasted since I knew I did not have any Judgments ; I called my bank they gave me the details and I called and spoke with XXXX, he advised me that he does see my notes of Dispute and that it should have been resolved back then, he advised me that the account would be put under review and he would send me documents in a few weeks. I told him that was my housing money and that it was going to really put me in a bad situation. He said that they would release since this was a disputed account.
I asked how they obtained the garnishment and he advised me that I had a default t judgment that was served to me by XXXX XXXX XXXX XXXX number disconnected. on XX/XX/XXXX and XXXX said XX/XX/XXXX ; either way I was not in the state at that time, It was a holiday weekend and I was in Arizona with my Family. I advised him that and he said that he would not know about the servicing.
I expressed my concern to XXXX about my account and how I was self employed and that was all the money I had for food, rent and gas. He said that they will release it and that my account would not be garnished again.
I kept my account open as i have too ; I live in the mountains and no banks to pull cash are near me, I went to get groceries after driving an hour to the store to find my account was garnished again. But because i only had {$290.00} in there they did not get much but my bank again took another {$100.00} fee. I called again spoke with someone else and they said that they would have someone call me and I have not heard from them again.
1- I do not have an account never had account with XXXX XXXX or XXXX I don't even live any where near a XXXX maybe XXXX miles?
2-I do not know who XXXX XXXX is and if they have a Legal Right to Collect this Debt. I need to see the Contract/Bill of Sale along with my Signatures that created this debt.
3-No letter was ever received about this debt giving me my right to dispute with in the time frame the FDCPA allows.
4-I was never PROPERLY SERVED therefore I never received my right to Respond.
5-When someone called me in XXXX of XXXX they were aware that the account was already a Judgment and failed to inform me of important information, that has now compromised my living, eating and ability to get to work.
6-I requested documents on the judgment, service and was never provided the documents.
7-They Misled, lied and continued to try and garnish me after they were aware of the dispute and the improper service.
8-I never received any notice to cure, or intent to garnish. If I had known about any of this I would have responded with my dispute.
9-The address they claim to have on file until they skipped the account was an address I have never lived at, a email address I have never had and a bank account I have never used, nor had.
I called the court and they advised me the Sherriff of XXXX XXXX served me at XXXX however they could not provide me any documents without paying for them and since my account was just garnished I could not afford to pay for them. There is no signature on acceptance of service!
|
| 07/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name is XXXX : XXXX , an agent and representative for principal XXXX XXXX, a federally protected consumer, holder in due course and attorney in fact. I am making this complaint against Rausch Sturm, LLP for engaging in abusive deceptive and unfair debt collection practices. Rausch Sturm, LLP was sent to engage in these unlawful extortionate means to collect on an extension of credit by XXXX Bank. XXXX Bank has violated my right to privacy by disclosing my nonpublic personal information to an unauthorized third party without my lawful consent. XXXXXXXX XXXX infringed my right to privacy and compromised the security and confidentiality of my nonpublic personal information on multiple occurrences with forethought and malice as a means of bringing substantial harm to me and my financial reputation. I would like to know whats the status if this account and if a 1099-C was filed for this account. Also note that if your company has filled out a 1099-C form and its continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies, or pursuing litigation, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.
I would also like to know if either Chief Executive Officer XXXX XXXX XXXX or Chief Financial Officer XXXX XXXX XXXX will be present for this court case to speak on behalf of the racketeering activity that is being committed by XXXXr Bank. I am aware that Rausch Sturm, LLP is an unauthorized third party in this matter. I never contracted with Rausch Sturm, LLP and they have no lawful authority to be in possession of my identifying information. I also want to make clear that Rausch Sturm, LLP has no actual first-hand knowledge of the matter at hand and are strictly acting off hearsay.
I have reason to believe that Rausch Sturm, LLP is not in possession of any substantiating evidence to lay claim to this alleged debt that they are attempting to collect using unlawful extortionate means. If XXXXXXXX XXXX can provide me with proof of claim for this alleged debt, such as the original instrument of indebtedness in its original form and the accounting for credit account ending in XXXX, Id gladly make arrangements to settle this account in full. I am aware that billing Statements/proof of address are not proof of claim.
If XXXX XXXX refuses to produce any documentary evidence as defined undXXXX XXXX XXXX XXXX XXXX XXXX will thereafter consider this matter between us to have been legally and financial settled. Upon the refusal to produce this documentary evidence I am also demanding that all fraudulently reported negative information is deleted and updated to paid as agreed from all credit reporting agencies immediately to prevent further harm to my financial reputation. If the requested information is not provided and Rausch Sturm, LLP continues their unlawful collection efforts, Rausch Sturm, LLP shall be held criminally liable for aggravated identity theft and violating 18 U.S. Code 894 for using unlawful extortionate means in the collection of an extension of credit. I would also need the name and address of Rausch Sturm, LLP binding agent in case a suit needs to be filed in Federal Court for these abusive, deceptive, and unfair debt collection practices
|
| 06/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi XXXX, XXXX XXXX, attorney Rausch Sturm Israel ; XXXX SPOKE WITH XXXX XXXX XXXX EX : XXXX I just got off the phone with your representatives at XXXX and then got transferred to the attorney 's office of R.S.I and spoke with XXXX XXXX XXXX After validating the debt with both of them, she mentioned that my personal information is all incorrect, such as DOB and my last name. XXXX XXXX at the attorney 's office mentioned that you guys have my DOB as of XX/XX/XXXX, but my correct DOB is XX/XX/XXXX and my last name as XXXX, which my last name is XXXX. I've disputed this account in the best with every, and they failed over and over again to remove it from my credit report or even furnished all the required documents. Sending me bunch of pre-printed statements doesn't truly validate the accuracy of the account. XXXX XXXX mentioned that she will flag the account and remove it from my credit report effective soon. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 11/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I am in the process of mailing a notice including this relevant information to Rausch Sturm LLP, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX.
As a summary, the debt collection company is not following debt collection practices in the area of suing me, sending me the wrong information and notices of intent to apply for default judgment when they are disregarding three key Minnesota Court Rules : Minnesota Court Rule 5.02 ( c ) ; Minnesota Court Rule 355.02 Subdivision 2 ; and Minnesota Court Rule 5.04 ( b ) 2020 Amendments.
" This message is to inform you ( any practicing lawyer at that you are not following Minnesota Court Rule 5.02 ( c ). Effective Date Of Service; and Minnesota Court Rule 355.02 Subdivision 2. Service By US Mail. These rules state that service by US Mail, which is how you were served, is completed upon mailing. I have provided copies of my certified delivery receipts and tracking numbers and delivery notifications when entered into the United States Postal Service website, indicating both the date of mailing, XX/XX/XXXX, and the tracking numbers indicate receipt upon XX/XX/XXXX. Your message, also included, states your affidavit was served on XX/XX/XXXX. The mailing date is, therefore, within acceptable delivery timeframe pursuant to your Summons and Complaint. I have enclosed a relevant information page of your request for discovery rules, dated XX/XX/XXXX as proof of your receipt of my Answer as well. USPS Tracking Numbers XXXX and XXXX.
You have not complied with Minnesota Court Rule 5.04 ( b ) 2020 Amendments to provide a separate affidavit of service of your Notice Of Intent To Apply For Default Judgment. Failure to send an affidavit in a separate delivery violates this amendment as : Rule 5.04 ( b ) is amended to expressly require that proof of service be provided either by : ( 1 )... or ( 2 ) by filing a separate certificate of service. The amended rule specifies that a certificate of service must be signed under oath or penalty of perjury by the person effecting service. The certificate must also establish the specific time and manner of services, as this information is often required to determine the deadline for response. As this was not properly provided in a separate envelope or other separate mailing package that does not include the form it describes, your Notice Of Intent To Apply For Default Judgment is not valid for your stamped date of XX/XX/XXXX and will not stand contest or appeal in court unless you can supply documentation of a separately mailed Affidavit of Service, typically via certified mail receipt ( s ).
As I have complied with Minnesota Court Rule 5.02 ( c ) and Minnesota Court Rule 355.02 Subdivision 2, the included copy of relevant information from your message noting the intent of obtaining a default judgment, dated XX/XX/XXXX, is false. ''
|
| 12/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
The company Rausch Sturm LLP has been contacting me since XX/XX/2021, I had in several attempts to communicate with them in regards this matter.
Instead they continue to pursuit payment of a debt that was already paid and collected in a phone call with a debit card by XXXX a collector that XXXX XXXX uses to collect they payments, On XX/XX/2021 email was sent with proof of payment to XXXX with all the screenshots from bank statements of payment made and the settlement letter from XXXX. No action was taking. No communication was made back to me.
On XX/XX/2021 called and spoke to XXXX XXXX they claimed never receiving any documentation and asked to sent documents one more time to XXXX. They asked for actually bank letters thwey ask for copies. I sent.
On my effort to find out the status and get this over, I contacted them one more time in XXXX XXXX via email again, he asked for original documentation and asked for XXXX and XXXX statement just to make sure money was not returned from my bank back to me, if this was not enough, on the same day they asked me to foward everything again to XXXX to reviwed and make a decision, they claimed to be more than enough proof.
I did not heard anything from them. I called back again and spoke to them I told them that all of this was preventing me from refinace my home so I can have more affordable mortgage payment and that I needed their help to help me removed this derrogatory marks. XXXX XXXX asked for all of the documents one more time in XX/XX/2021 One more time, I asked if this was a game or if they giving me thr round around, XXXX XXXX said that was needed for started a claim. I did not heard anything from them.
My mortgage company waited for me, they advise me that XXXX national bank was still reporting me as derrogatory.
I called Rausch Sturm and spoke to XXXX XXXX, she said they treated my case as a claim not as a dispute and asked one more time to send all the documentation back to her to XXXX. I sent all docments for fith timeand said to give her more time she said to give her 5 days and called back, I made several attempts to XXXX to get a hold of her On XX/XX/XXXX on XX/XX/XXXX she was not avalible On XX/XX/XXXX they asked for my permission of her calling me back to return my call and I said yes, she nver called me. Today XX/XX/XXXX I spoke with Supervisor XXXX XXXX and not before I spoke to XXXX XXXX who asked to be sent one more time the XXXX statement with the payment being made to XXXX on XX/XX/2021. Supervisor XXXX said that I was going to be receiving a call from her of the status of the dispute put in place by XXXX XXXX in XX/XX/2021. This is absolutely exsausting. I do not know what esle to do to showed them it was taking care of since XX/XX/2021 in a debit transcation via phone.
|
| 05/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I was served with a complaint in the Eleventh District Court in the State of New Mexico from Plaintiff XXXX XXXX XXXX claiming that I incurred a debt with XXXX Bank and that XXXX XXXX XXXX were filing suit upon a debt owed. They included copies of billing statements from XXXX and XXXX but stated that they were NOT a debt collection company. Further, they did not submit any documentation showing I signed anything, no copies of my drivers license, nothing, it could be someone else 's bill with my name accidentally on it, there is nothing to show anything.
On XX/XX/XXXX, I filed a motion for a more definite statement as I have no idea who these people are and do not believe that I signed up for or purchased a XXXX XXXX account. I am still further confused as I have had no interaction, received no mailings, and had zero communication with ANY of the people stated in the complaint : no XXXXXXXX XXXX XXXX interaction, no XXXX XXXX interaction, no XXXX XXXX interactions.
**I have a serious XXXX XXXX and did not leave my house from XXXX XXXX under doctors orders, except to go to the physicians office or as directed bi-weekly for infusion therapy. Therefore, there is no way I did anything with anyone from XXXX On XX/XX/XXXX I received a letter in the mail from Rausch Strum LLP stating that THEY are collecting the debt for XXXX XXXX XXXXXXXX XXXX This is after XXXX XXXX XXXX filed a suit against me and their attorneys are listed as Rausch Strum so who is on first, XXXX or Rausch? At this point I am so confused as to what is happening.
On XX/XX/XXXX I called the number listed on the letter XXXX and asked whether they were a debt collection company and they said YES. I then asked for them to explain who they were and how they got my information and the woman I spoke with told me to call " XXXX '' and then hung up on me. I do not know who XXXX is.
On XX/XX/XXXX I sent Rausch Strum, the people who sent me the collection letter on XX/XX/XXXX a Certified Letter ( and have the receipt signed that they received it ) Demanding that they Validate my debt and informed then that they have already filed a lawsuit on behalf of XXXX against me in the courts without telling me who they are or how they even know me. I have not received a response from them.
I am now being asked to pay {$200.00} to a Debt Owed and Due Settlement program in New Mexico as my case has been stayed as a result of this program, without these people even telling me who they are or how they know me!
|
| 11/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Rausch Sturm LLP via XXXX XXXX XXXX is stating that I owe a debt from XXXX and stop paying in XXXX. Today I received an envelope from them. XXXX letter said I owed the debt and to call to settle the debt and the other letter stated it was a Default Judgment out of XXXX XXXX from XXXX XXXX XXXX I did not move to XXXX XXXX until XXXX of XXXX and was living in XXXX XXXX at that time so how could I have a judgement in a county against me before I lived there? I called Rausch Sturm LLP who stated that the debt was from XXXX and I stopped paying in XXXX and the debt was sent to them. She then went on to say that in XXXX I agreed to a settlement over the phone for {$800.00} of the over {$2000.00} but it did not go through. That never happened. She said I provided a XXXX XXXX XXXX XXXXccount information which I have had sitting at XXXX for years and use another bank. Ive never provided my bank information and wouldnt provide XXXX if I was going to. Then she said I was being garnished and thats why I set up the settlement but then later said I wasnt garnished and to avoid garnishment I set up the settlement. None of that ever happened. Again, this is 13 years after they say the debt originated. Then I was put on hold so a XXXX could listen to the conversation that was held last year and the lady came back on the phone and said it was me and how would I like to handle the account. The XXXX XXXX case number on the form is XXXX. This does not come up in public records when searched. On XX/XX/XXXX of this year I got an email from Rausch Sturm LLP asking me how I wanted to settle the debt. If you got a judgement against me in a city I had never lived in at the time in XXXX why are you now sending me emails and Default Judgement letters. I believe this is harassment and borderline threatening garnishment on a XXXX XXXX XXXX account and also making up dates and arrangements to move the date of last activity date. I never received a summons to court in XXXX XXXX. Likely because its XXXX XXXX XXXX. Also, in court documents Ive seen in the past the copter does not put the case number as well as the debtors file number in the corner which makes me believe they manufactured this letter for fear tactics. I would like Rausch Sturm LLP and XXXX XXXX XXXX, XXXX investigated because nothing theyre saying or doing is making sense and I have never entered a settlement agreement or validated that this debt even belonged To me.
|
| 04/21/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The attorney continues to lie in court in his attempts to obtain a favorable judgement for the debt. Moreover, I have no legal proof that this office is permitted by law outside of this summons to collect on the said debt. Such is my legal right under Fair Credit Reporting Act ( FCRA ) as well as the Fair Debt Collections Practices Act governed by the Federal Trade Commission. The plaintiff admits this much in the brief stating there has been no assignment of the debt. Therefore, my communications at this time should only be with the furnisher in accordance to FCRA.
The attorney of record, XXXX XXXX makes the false statement repeatedly " that I have never objected the debt during the life of the account. Which is a deliberate lie. He is aware of this because not only have I made the same statement repeatedly while he was present in hearings, I have also stated this concern to their office in writing. Yet, XXXX XXXX continues to outright lie, under oath in briefings saying that I have never objected the account in any way during the life of the account. Which is simply untrue. Now, if I, under oath lied, I would be guilty of perjury and charged with contempt of court. Is XXXX XXXX, a lawyer who has taken not subject to the same oath I was sworn under in these court proceedings? Is he above reproach and the rules that govern the court because he is acting in his vocation to collect a debt? What about the oath he has taken with the Michigan XXXX XXXX to : maintain the respect due to courts of justice and judicial officers ; employ for the purpose of maintaining the causes confided to me such means only as are consistent with truth and honor, and will never seek to mislead the judge or jury by any artifice or false statement of fact or law ; in all other respects conduct myself personally and professionally in conformity with the high standards of conduct imposed upon members of the bar as conditions for the privilege to practice law in this State.
He also continues to collect a debt in which he or his office doesn't have assignment over which violates FDCPA.
|
| 09/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX of XXXX, i received a letter from Rausch Sturm, advising me of a debt that is owed. I called, set up a payment plan, paying 50 % down, and the rest in a series of payments. A week later i was able to come up with the funds, and called them to just resolve the remainder owed. I set up a check by phone in XXXX of XXXX and paid the balance. I never received a receipt for either payment, and didn't hear from them again. Until i received a letter in the mail in XXXX of XXXX stating i still owed the other half of the balance. i called right away to let them know i paid this. The person i spoke with stated she will notate my account as disputed and if they need to contact me they will. I didn't hear anything more from them until XXXX of XXXX when i was served court paperwork. I called them again to find out what had happened with my dispute and the fact that this was paid. They told me that the check in XXXX of XXXX for the 2nd half was returned as not authorized. I never received anything from my bank or from them informing me the payment didn't go through. They have violated so many FDCPA laws by not contacting me back about my dispute, my payment that " didn't '' go through, and then after i paid it 2 weeks ago- they still have not dismissed my court date which is still showing in 2 days as active. I called today to find out why this hasn't been dismissed and they advised it is my responsibility to handle the court case. I again don't have a receipt showing payment in full, so i don't have any ability to show the courts that this has been resolved. This company has made my life XXXX. I have done everything the right way, and yet here i am still having to take care of their mishandling of things. i have sent 3 complaints online, and none have been acknowledged. I asked to talk with their compliance dept and was refused. They said they would have someone call me. Something needs to be done with this company and their treatment of consumers. I paid my bill and i am still having to deal with everything.
|
| 04/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I was on a payment agreement set up by attorney XXXX XXXX XXXX # XXXX for an account that I never got the opportunity to have validated original creditor was XXXX XXXX, but they served me papers and threatened putting a lien on my house so my wife insisted we start paying. The {$160.00} payment was automatically taken out of our account biweekly and XXXX XXXX stated he would call me when it was time to renew the auto debit. He or his office did not. My wife noticed the payment was not taken out of our joint account and assumed I used my personal account to make payments. 3 months later of no payments and 14 messages left for this attorney I finally get someone who will talk about my case. I was told XXXX XXXX filed a wage garnishment against me for non payment and even if I paid the {$4000.00} balance they would not stop the wage garnishment. I demanded to have XXXX call me immediately and when he did not only did he use profanity, call me out of my name, talk down on my ethnicity, when I told him it was illegal to take money from me in excess of what was owed he told me he can and will do whatever the XXXX he wants to do and slammed the phone hanging up on me! 5 days later I get a wage garnishment in the mail from Michigan XXXX XXXX Treasury and I object it with the court. The paper states I have 14 days to dispute it. I had {$690.00} garnished from my paycheck exactly 8 days after this attorney refused to stop the garnishment if I paid the balance in full, was vulgar and unprofessional and hung up on me. I contacted the court who stated my 14 days has expired and this attorney served me the papers later than he should have. I contacted XXXX XXXX who would not help and referred me back to XXXX XXXX XXXX at Rausch Sturm. My wife and I called repeatedly over several days and left messages and got no return calls, my wife emailed and got No reply. How is this legal to talk to someone like this, threaten them, use such vulgar language and tell me they can make me pay double on an unverified debt??
|
| 04/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
XXXX XXXX hired Raush Sturm LLP to collect a debt from me. The account balance was {$2900.00} from XXXX XXXX. This action was taking after I sent my letter for cease and desist on XX/XX/XXXX. However fraud was indeed committed if the debt collector doesn't have first hand knowledge when the transaction between the original creditor and I exchanged information. This credit card company is essentially taking my social secuirty number and charging me a fiancing charge to do the paperwork equal to the amount of credit that was extended. I demand for them to show me the paperwork. I have cited several illegal actions committed. Collections Agency, can not be both purchaser and assignee- Its either one or the other ( Gearing v. Check Brokerage Corp ) 233 F. 3d 469 ( 7th circuit court 2000 ) Misrepresentation by collectors about themselves or the debt are actionable regardless of intent.
Collections Agency if they do not validate your debt yet continue to pursue collection activity by filing for judgement, call or write you. ( FDCPA Section 809 ( b ) FTC opinion letter CASS from LeFevre ) Collection Ageny if they use any kind of harassment or abuse ( FDCPA Section 806 ) Collector must me in the county which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuit. ( FDCPA section 811 ( a ) ( 2 ) 15 U.S.Code 1692c Communication in connection with debt collection ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jusrisdiction, a collector may not communicate with a consumer in connection with the collection of any debt.
15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) Subject to subsection ( c ) a
ny consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accourdance with the written instructions of the consumer to whom it relates.
|
| 09/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This is a second complaint to XXXX.
Again I am stating that I do not owe anything regarding this judgement. I am able to confirm that this was in fact one of the items that was fully discharged in a XXXX bankruptcy.
After my information was exposed in early XXXX then again with an XXXX data breach in XXXX I have been consistently having to dispute claims that been resolved or severely inflated due to fraud primarily from debt collectors who have repurchased these items. This makes me question the validity of how they come across my information because every time I receive a Dark Web monitoring alert it is usually followed by some bogus claim from a d ebt collector or attorney that I wind up having to dispute.
Again this claim was settled and discharged with a bankruptcy in XXXX. I continue to go through this with both my student loans due to fraud and with collection agencies that are purchasing these debts that were already settled and resolved. I demand to know where this debt was purchased because the information and validation of debt are not correct. I highly doubt that for 15+ years and several jobs in between this agency was unable to contact me regarding notification of a debt they claim is from XXXX or XXXX, so the matter could have been resolved in a timely manner.
I never received ANY information regarding a hearing in XX/XX/XXXX about this either or would have gladly attended court to dispute this then. I received no notification of a hearing!! Yet this agency certainly had my recent address because once the hearing was over they were able to mail the final documents to the me.
I am extremely frustrated with the unethical and deceitful practices that I have had to deal with from these agencies and how they continue to try and take advantage and misuse personal information. I have every intention to continue to dispute all of these false claims and fraud that continue to randomly show up in my name.
|
| 02/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
I had a XXXX credit card for years, paid never had a problem until I purchased an expensive television ( {$2000.00} ) in XXXX that stopped working after 6 month. XXXX would not fix the television and I was not paying the full amount for a television that didn't work. Fast forward to XXXX of XXXX my daughter and I had a joint an account with XXXX bank my daughter called me crying said telling me that her money was frozen for my garnishment from XXXX ( South Dakota ), XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX SD XXXX. I had no idea this was happening at first the real confusion came with the fact it was XXXX. XXXX final gave us the information of who to contact Rausch Sturm, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX WI XXXXXXXX. It took us weeks to get through. When I finally got thru they were no help I never received anything from the XXXX XXXX Courts or from Rausch Sturm , LLP letting me know anything let alone be legally served with this garnishment. The amount taken was from the account was {$3000.00} the principal amount of the judgment was {$3000.00} they never sent conformation that the money was taken or received until XX/XX/XXXX when I finally got thru to them again. I was trying to refinance my home and it was stopped because of this garnishment of property. To this day {$540.00} is still being held by XXXX for the garnishment I contacted this Rausch Sturm, LLP law firm again asking that they please fix this situation consider I was never notified and they had their money but all they did was refile with the XXXX XXXX Courts to request for garnishment again. I don't understand why or how this is still a problem. This is causing me not to be able to go thru with the refi and has already went passed the date so they have raised the interest rate.
|
| 09/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
In XXXX I was sent a letter and a civil citation stating I owed {$6100.00}. The petition said I owed XXXX and was turned over to XXXX XXXX XXXX XXXX. Rausch Sturm LLP represents XXXX.
I wrote them a letter XXXX XXXX, XXXX letting them know this wasn't my account. I didn't hear anything until XX/XX/XXXX stating in a letter that they take these matters seriously and is under review. I responded again on XXXX XXXX and XXXXXXXX XXXX.Since that time I '' ve received notices and now a judgement against my mortgage. I have responded to each notice in writing, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XXXX. I've even written a letter to XXXX XXXX Court House disputing this charge, XX/XX/XXXX. I also filed a Motion to Set Aside Default Judgement and Notice of Hearing on XXXX XXXX, XXXX.
I've made multiple calls to Rausch Sturm collection agency and spoke to several employees on XX/XX/XXXX, XX/XX/XXXX nd XX/XX/XXXX trying to get this taken off my mortgage as a lien against my home. It has caused hardship since I could not refinance and get a lower mortgage payment and I am out the appraisal cost. My employer runs back ground checks periodically and this judgement agaisnt me has also caused a hardship on my job and a fine against my department. One of the reps at Rausch Sturm said I needed to file an affidavit which I did on XXXX, XXXX. I received another call from them on XX/XX/XXXX stating there hasn't been any movement on this case and they are mailing me another affidavit to file again. This has been going on for almost XXXX years.
I need to file against XXXX XXXX, Raush Sturm and XXXX as I have mailed many letters and called numerous times disputing this account to no avail.
|
| 11/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
A law firm called Rausch Sturm LLP filed a lawsuit in a XXXX XXXX XXXX in Florida for an alleged debt I owe to XXXX XXXX in the amount of {$43000.00}.
They mailed me over 400 pages of charges made by someone on a credit card obtained in 1990 by a person who has part of the name similar to mine.
I have contacted the law firm and XXXX XXXX several times and they have not been able to resolve that I am the wrong person. I have authorized them to review my credit report, I have offered all the information they ask for, I am willing to do whatever it takes to prove that I am not the same person.
Today, XX/XX/XXXX, I called XXXX XXXX, XXXX XXXX XXXX XXXX and they say it takes up to 30 days to get back to me.
Today, XX/XX/XXXX, I also called the law firm and the person who answered me, XXXX XXXX, said that access to my account is blocked because they are investigating it and that she has no idea when they will have an answer. She told me that the investigators from her firm do not accept calls. This whole conversation is recorded by that same company.
In the meantime I have 10 days left to respond to the legal claim.
I am a citizen of the United States, I have lived in this country for 40 years and my resume is impeccable. I have never defaulted on a debt, my XXXX XXXX is over XXXX. I have never had the slightest legal problem in my life.
This unfair situation has my wife and I under maximum stress. I am XXXX XXXX XXXX. I am a XXXX with an extensive background and I can prove all the acts of my life have been correct.
I do not want to and can not hire a lawyer to defend me for something I do not owe. I do not understand why neither of these XXXX companies can give me an answer immediately.
|
| 06/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I owe {$15000.00} to XXXX XXXX XXXX and I had been making very regular monthly payment until I lost my job in XX/XX/XXXX. The same year I decided to move out of my home in XXXX XXXX, XXXX to XXXX, XXXX XXXX to reside with my wife 's family and I left XXXX XXXX, XXXX in late XXXX, XXXX. I wanted to get back to my job search but the Covid-19 pandemic situation forced me to dedicate myself for the care of my elderly parent in laws, one of them is a XXXX XXXX patient surviving on XXXX.
I received an email from the debt collector Rausch and Sturm on XX/XX/XXXX that I attached for your review. Upon receipt of their email I contacted XXXX XXXX XXXX who referred me to the debt collector Rausch and Sturm and I have set up a payment plan with them. I have also emailed their representative XXXX XXXX twice in a row but I did not receive any response at all.
After living for more than a year in the XXXX XXXX, XXXX XXXX I returned XXXX XXXX, XXXX on XX/XX/XXXX. I was truly surprised to learn from my tenant that the debt collector Rausch and Sturm had tried to force them to receive letters dispatched from their office. I was astonished to see a letter that came from XXXX County Court where the debt collector Rausch and Sturm has acted on behalf of XXXX XXXX XXXX as the plaintiff and considering myself as the defendant and the letter was to notify me that they have been granted a default judgment against me to collect the debt I owe to XXXX XXXX XXXX and that they are going to initiate a bank Levy and a wage Garnishment. This whole lawsuit process in the XXXX XXXX XXXX has gone quietly without sending me any notification and while I have been making payments as a scheduled
|
| 10/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
This is a two-fold issue, I will address these separately below : 1 ) Collecting a Time Barred Debt : In XX/XX/2022, while looking for information about a similarly named family member on the ClarkCountyNV.gov website, my wife discovered what appeared to be an open case against me with our local court. We had no knowledge of this case having never received a summons or any other communication regarding this XXXX XXXX XXXX case. On XX/XX/2022 my wife called the debt collector involved, Rausch Sturm LLP, to resolve the issue NOT KNOWING OR BEING ADVISED that this was now a time barred debt that we could not be sued for. At no time during her conversation with the Rausch Sturm representative was she informed of this and that by speaking with this representative she was actually restarting the clock on this old debt.
2 ) Reneging on Agreement : During the conversation with this representative, a financial agreement was made and my wife was informed that as soon as the agreed upon amount was paid, a Satisfaction would be sent to the Court. On XX/XX/2022 we received an email confirmation from this representative.
On XX/XX/2022 the agreed upon amount of {$320.00} was made via phone to Rausch Sturm. This was posted to my wife 's bank account in the form of an ACH check on XXXX XXXX.
On XX/XX/2022 my wife emailed the representative informing her that the case was still showing as open on the ClarkCountyNV.gov website and asking to have it updated as per the Agreement.
No response was received. On XX/XX/2022 my wife sent another email to " XXXX '' regarding the above. No response has been received and as of today, XX/XX/2022 the case is still showing as open.
|
| 03/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This was a legitimate debt. I lost my job in XXXX and couldn't pay the credit card. It went through many hands, and eventually landed with Rausch Sturm, LLC., who immediately sought and won a judgement. I worked out a payment plan with them and was paying monthly. There were no monthly bills sent, there were no email reminders, nothing. Usually they would call and I would pay over the phone when they called. Out of sight, out of mind, its the last thing dangling from that period of time.
Yesterday, I logged into my online banking to balance my checkbook. I noticed a large amount debited from my account that I was not expecting. I alerted my bank and reported a fraudulent transaction. Upon investigation, they told me there was a garnishment submitted from these Rausch Sturm people. I called them and inquired. I hadn't made my XXXX payment, so they proceeded to garnish my bank account. Did not call me, did not notify me, nothing. Just took the money. They said they could, because they had the judgment. I asked why they didn't call me or leave a voicemail. They said the client they were working for said they do not have to leave voicemails in attempts to contact. I had zero contact or warning this was coming. Nothing.
I think it is absurd that a company can do this without warning, without contact, without anything. It should be illegal. Additionally, I think the timing is highly suspect since its tax season and they are probably looking for people 's tax refunds. I'm so disgusted I want to look into options to sue these people.
|
| 12/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
It's not exactly any of the options you had displayed.
I have been paying on this debt since XX/XX/XXXX XXXX or before. I pay {$100.00} a month on this debt. They went to court and now like to send out messages that they will start garnishing my checks. I have been able to prevent that from happening. I am now XXXX and unemployed. My bank account was recently compromised by a scammer and I had to have a new account number. I had been with this bank for over 30 years with overdraft protection. When the bank opened a new account they did not add the overdraft protection. They said it took 90 days. ( Really when I had been with them for over 30 years ). So this payment was made to the collection agency online and my bank refused to pay it. I called the bank and they reinstated by overdraft protection and asked that this company send the check through again. I had already made other arrangements to pay this. I agreed to pay {$200.00} at the end of XXXX. I went to make the payment online and I could not. This collection agency said the check had been returned and they could no longer let me make payments online and because of the amount of time this account has been open. This was on XX/XX/XXXX. When I talked to the collection agency the middle of XXXX they said there would be no problem. I'm sorry but this is wrong!!! They say I need to call in and wait on hold for 30 minutes to an hour to pay this or get a money order since I no longer use checks. I disagree. There reason for not letting me pay online is totally bogus.
|
| 05/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Complaint Against : Rausch Stern XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX bought a debt of mine from XXXX XXXX XXXX XXXX XXXX XXXX
I received notification that the balance was {$2400.00}, but Rausch Stern never would confirm amount of original debt.
Prior to XXXX, I made payments against the debt totaling {$1100.00}.
( XXXX payments of {$250.00} and 1 payment of {$400.00} ) - I was unable to make payments during the height of COVID.
Rausch Stern moved to garnish my wages in XXXX and in XXXX, XXXX received a garnishment payment in the amount of {$1200.00}. At this time, Rausch Stern reported to my employer that the account was paid in full.
( Payments, including garnishment equaled {$2400.00} against an original debt of {$2400.00} ) Today ( XX/XX/XXXX ) 2 months after reporting the account as paid in full to my employer, Rausch Stern garnished an additional {$860.00} from my wages, under the same case number for XXXX XXXX XXXX XXXX XXXX and is again reporting the original / full balance as due.
To date I have paid Rausch Stern {$3200.00} on what was reported as an original balance of {$2400.00} ( even though I assume the actual debt amount was much lower before being purchased by Rausch Stern ).
After speaking with XXXX XXXX XXXX Rausch Stern, they will only agree to report my account as disputed. I feel I am owed the {$860.00} that was taken today, XX/XX/XXXX and I need an assurance that they can not just report this account as unpaid every few months, leading to my wages being garnished.
|
| 02/04/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Rausch Sturm LLP ( company ) on XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a small claims case against me on XX/XX/XXXX with the XXXX XXXX XXXX. I appeared on XX/XX/XXXX as required and informed the judge that I had already entered into a stipulation payment plan with the company which the attorney for the company was unaware of. The judge ordered the company to provide the signed stipulation payment plan to the court within 60 days and closed the case, which the company violated the judges order and did not file with the court within 60 days. At that time, I notified the company that they were in violation of the court order and requested all payments to be stopped due to the violation.
The beginning balance of the amount owed was {$7800.00}, I paid {$580.00} on the initial stipulation plan, did not make payments in XX/XX/XXXX and XX/XX/XXXX, due to the company 's court order violation and in XX/XX/XXXX, the company offered me a new payment plan which I promptly agreed up at {$140.00} per month and I have paid a total of {$290.00} for XX/XX/XXXX and XX/XX/XXXX. After making the payments mentioned above my balance should be {$6900.00}, but the company is stating that my balance is now {$7300.00} which is incorrect. The difference is {$380.00} more than the correct balance. I requested from the company to provide me with a reconciliation of the difference and a copy of the new stipulation payment plan that I agreed to online in XX/XX/XXXX, but the company has failed to provide either of my requests.
|
| 08/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Attorney : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Reporting old debts as newer than they are ( re-aging ) and this has been disputed on serval occasion. The status of limitation has been reached and they just reopened the debts on XX/XX/XXXX as new debt and trying to garnish wages.
Please see the below information : XXXX XXXX Opened XXXX {$380.00} XXXX XXXX Opened XXXX {$470.00} XXXX XXXX Opened XXXX {$2100.00} XXXX XXXX Opened XXXX {$2200.00} XXXX XXXX Last reported XX/XX/XXXX {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXXXX XXXX, XXXX ( 5 yrs, 3 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name08 XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2100.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXXXX XXXX, XXXX ( 5 yrs, 5 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name08 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$470.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXXXX XXXX, XXXX ( 5 yrs, 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name08 XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXXXX XXXX, XXXX ( 5 yrs, 3 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name08 XXXX XXXX A
|
| 02/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a letter dated XX/XX/2022 from Rausch Strum LLP Attorneys At Law. Attempting to collect an alleged debt! I have never received any correspondence from this attorney. XXXXm fact, it is unlawful for you to contact me without my consent! Who gave you my location 15 USC 1692a7? Who gave you direct consent 15 USC 1692c? Please stop harassing me pursuant to 15 USC 1692! I hereby demand that you cease and desist from all forms of communication. An attorney can not be a debt collector and attorney at the same time! You are in violation of 15 USC 1692e ( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
15 USC 1692e ( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken.
You cant sue me you uneducated corporate piece of paper and thats pursuant to 15 USC 1692i ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. you have my private information that I did not consent for you to have and Congress found that to be identity theft! If you even attempt to contact me again I will take you to court and sue you for violating my rights as a consumer! Please be advised that every violation is worth {$1000.00} plus pain an suffering for mentally breaking my spirit and causing stress having to respond to you violating federal laws! Delete all of my personal information from your records!
|
| 02/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This complaint is a follow up to my previous complaint about this same company. This time I am going against them and their lawyers who have discriminated against me, have hung up on my calls, have denied me options for payment agreements and have affected the well-being of my family.
I am an American citizen and as such I believe that I have rights that they have not fulfilled.
In response to my previous complaint, they say that they have no information on any lien against me and that they have not collected any money. Lie! I have called them reading their response where they say that they will not take any further action on my account until I get my job back due to the financial hardship I am going through.
On XX/XX/2022 my bank ( XXXX XXXX ) withheld {$490.00} by order of them, I call the bank at XXXX XXXX department and they tell me that they have the funds withheld but that they can not make a refund until they send a letter ordering it. In the calls they have told me that they have not received notification from the bank about the withheld funds ( my bank says yes ) and they say that they will continue to take action on my account to collect the debt.
Every time I call and an associate checks my case they hang up on me. This is clearly a bad practice and discrimination because I am trying to reach an agreement with them and they ignore me, threaten me and discriminate against me.
|
| 10/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
The debt originated in XXXX, I fell behind on payments and it was sold to a third party. The third party is XXXX XXXX XXXX. This company drafted {$1800.00} dollars in XXXX XXXX and then told me that they would no longer draft my account. I received a summons from their attorney on Tuesday XX/XX/XXXX it said that the amount due to was {$1.00}, XXXX and I had 10 days to respond. The letter is as stamped by the post office on XX/XX/XXXX, but didnt reach me until 5 days later. The next day I went to the court house to file my response and I discovered at this time that {$160.00} was taken from my account because thats all the had at the moment. The proceedings to levy my account started just 1 day after receiving the summons without allowing me to respond. The next draft on XX/XX/XXXX will not only wipe out my entire account but I will be negative. There has been no activity regarding this debt since XXXX, and Nebraska statue of limitations on debt is 5 years. When I received the summons no information was provided other than the amount, nothing was disclosed to me. I do not understand how my account can be drafted without giving me the opportunity to file my response and how can they legally collect in a debt that is past the statue of limitation? The County court has given me a court date to present my response, so obviously this company started the draft without a court order Please help
|
| 07/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I received an email from XXXX stating my wages would be garnished XX/XX/XXXX as the result of a judgement I had no knowledge of filed against me in XXXX. I was XXXX years old in XXXX and can provide a copy of my drivers license to prove my identity. Obviously, XXXX XXXX XXXX, who XXXX XXXX XXXX and XXXX XXXX XXXX of Rausch Sturm is representing, is collecting a judgement against the wrong person. In addition to that, the 10 year statute of limitations for the state of Arizona has long passed. XXXX XXXX XXXX and XXXX XXXX XXXX of Rausch Sturm, for XXXX XXXX XXXX, are garnishing my wages illegally.
On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX XXXX XXXX, of Rausch Sturm, via email XXXX and explained that XXXX XXXX XXXX, the company they are representing is collecting from the wrong person and that I was XXXX, turning XXXX years old in XXXX when the judgement was filed. I left all of my contact information and have had no return contact. As a result of XXXX XXXX XXXX and XXXX XXXX XXXX, of Rausch Sturm, helping XXXX XXXX XXXX illegally garnish my wages, on XX/XX/XXXX, {$520.00} was taken from my paycheck for a debt that I do not owe. I have consulted an attorney which I will have to pay to represent me to stop this illegal wage garnishment, and will have to take time away from my job to collect papers pertaining to this case from the courthouse.
|
| 11/09/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX XXXX XXXX was contacted by XXXX XXXX finance regarding a balance owed on old car loan. Car was repossessed in XX/XX/XXXX and sold at auction XX/XX/XXXX. We received a letter stating it was being sold at auction, letter stated if there was a balance remaining we would be notified by mail. No contact was made by any means until XXXX of XXXX when court hearing paperwork was received by XXXX. XXXX, paperwork had court date listed and was addressed to him and myself. After several attempts to contact the company in question ( rausch and Strum ) I was told that all the agents available had no information on the debt only that it was representing XXXX and the amount owed was over XXXX dollars. I requested company send me all information on debt multiple times and was unable to obtain this information before the said court date. Court date was rescheduled. After reviewing the information the agency had I reached out to them to inform them that the debt in question was over 6 years old and the statute of limitations in the state of Oklahoma is 5 years. The agency has since stopped calling or sending mail but a new attorney is now listed on the new court date where they are trying to obtain garnishment. I do not owe this debt but if I did owe this debt it is barred by the statute of limitations and this agency is not within the legal time frame to sue for judgement.
|
| 03/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
THIS IS NOT A DUPLICATE COMPLAINT. This complaint is against the debt collection agency for XXXX XXXX XXXX who has lied that they have submitted a wage garnishment with the State of Florida. Raush, Sturm LLP has not filed anything with the State of Florida. Neither XXXX XXXXXXXX XXXX or Raush Sturm is supplying documentation of the alleged wage garnishment. See attached where XXXX XXXX XXXX tries to send me to the Lawyer. All we are asking for is a copy of this wage garnishment. Why is it so hard that nobody can supply it, because there is not one.
Raush Sturm LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX LTS XXXX We have requested over and over again for proof of the court filing of this wage garnishment and there is no wage garnishment. We have spoken to the State of Florida and there was no wage garnishment filed. XXXX XXXX XXXX is trying to pass the buck to the Plantiffs attorney. Why is nobody able to provide this proof of court filing of wage garnishment that allowed them to take the money from my bank of account?
In order to do a wage garnishment, it must be filed with the State of Florida. That did not happen. The state of Florida has confirmed there is no wage garnishment. XXXX XXXX XXXX and the above company can not supply a copy of the wage garnishment. There is no such document that was filed with the court. This was not legal.
|
| 08/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Repeated, unwanted and voluminous numbers of phone calls to my cell phone from Rausch Sturm ( located in Wisconsin ). This company has called my cell phone repeatedly and on a daily basis using a myriad of different phone numbers intended to appear from area codes in the XXXX, Texas area. Generally the calls appear in the afternoon, however, today on XX/XX/2021 I had yet another phone call from them with an originating number of ( XXXX ) XXXX that rang at XXXX which woke me from my sleep and disturbed my peace.
I do not have any valid, outstanding debt and there is simply no reason for these endless phone calls at any hour of the day, especially at XXXX.
This debt collector is using unscrupulous methods to contact individuals by hiding behind many different phone numbers with multiple area codes as well, which has an unfortunate effect when I can not simply block one phone number and silence the endless array of phone calls due to the calls originating from alternate phone numbers.
I have evidence of this call at XXXX and will gladly seek legal representation and file suit against Rausch Sturm if this issue persists, but I am hoping the CFPB will take action against them first.
|
| 02/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
FAILED TO VEFIFY DEBT WHEN REQUESTED In accordance with the Fair Credit Act XXXX AccounXXXX XXXX XXXX, XXXX # XXXX, has violated my rights.
15 U.S.C 1681 Section 602A States I have the right to privacy 15 USC 1692g Section 809 If the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by XXXX XXXX. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX XXXX to inquiry about the pending active suit against me filed by XXXX XXXX several years ago via their law firm, Rausch Sturm LLP. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that XXXX XXXX sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to remove from my credit file. Attached proof of documentation from court concerning XXXX XXXX and Rausch Sturm.
XXXX XXXX
|
| 10/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Dear Sir/Madam, I was send a letter from Rausch Sturm informing me that there is a collection account on my file from XXXX XXXX and that they were collecting it. Rausch and Sturm never provided validation of the debt.
In accordance with the FDCPA, I have the right to ask for validation of this alleged debt. This is asking for proof of this and verifying the same. This is inaccurate reporting and has had a detrimental effect on my credit rating and ability to achieve financing.
Consequently, Rausch Sturm, LLP and XXXX XXXX should be instructed to cease and desist from all collection activities until this alleged debt can be validated. In addition I would expect to see this account deleted from all three credit bureau 's and I will take steps to insure that this happens.
Rausch Sturm and XXXX XXXX never provided the following : 1. The agreement which authorizes the creditor to collect on the alleged debt.
2. The signed agreement from the debtor conforming to pay the creditor.
3. The documents regarding the payments made on this account validating the amount.
Thank you for your prompt attention to this matter.
|
| 01/20/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Please, before reading this complaint, refer to my previous complaints : XXXX and XXXX.
Yesterday, XX/XX/XXXX, the sum of {$720.00} with XXXX ID # XXXX and the XXXX XXXX processing fee of {$120.00} was debited ( stolen ) from my XXXX XXXX checking account. When I called XXXX XXXX they informed me that this belongs to a garnishment imposed by XXXX XXXX XXXX. This company on XX/XX/XXXX sent me a Notice of Garnishment Dismissal ( See attached letter ) stating that they voluntarily dismissed the garnishment. After that I have not received any new communication from XXXX XXXX XXXX or its attorney so I assume nothing has changed. The money charged is NOT even earned income because I am unemployed. ( please read my previous complaints for a better understanding ). The account was overdrawn once again and I don't understand why my bank admits making these types of charges without the authorization of me as a customer.
I repeat, I have not received any new communication from XXXX XXXX XXXX or its attorney.
I'm attaching the response from XXXX XXXX to my last complaint and the solution I received by mail.
|
| 06/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2019, my mother passed away. After probate was over and they put part of her house in my name, I got mail claiming I owed money to this company or that company. My siblings put mom 's house up for sale and we got a buyer. Just before closing they informed me I owed over 22 thousand dollars for two judgements. The first judgement was for a little over 5 thousand and the second one is for a little over 3 grand. but these two debt collectors claim now I owe over 13 thousand on the first one and over 8 thousand on the second one. This is impossible and quite outrageous and defiantly fraudulent. I will try to upload the original judgements.I tried to contact the agencies the one for over 13 thousand would not answer the phone and the second one I talked to but they refused to budge on the amount. This is so not right and completely unconstitutional.
Thank you for your help in this matter, XXXX XXXX Also, XXXX XXXX stated that they served me but I was not served, they described someone about XXXX XXXX XXXX with brown hair. That's funny since I live alone and I am over XXXX with XXXX XXXX.
|
| 08/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I recieved a notice on XX/XX/XXXX the documents stated that a wage garnishment had been filed against me by Rausch Sturn LLP from a creditor named XXXX XXXX, XXXX. XXXX XXXX. XXXX with the total amount owed listed as {$3000.00}. I did contact the debt collector to dispute, as this debt was not mine. The date of judgement was listed as XX/XX/XXXX. I have never recieved any communication from this debt collector or the creditor on file.
When I contacted the company on XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX. She stated that I could have one of their attorneys call me back to discuss the debt but they had already filed for garnishment on XX/XX/XXXX and that disputing the debt would not stop collections from my paycheck. I insisted this must be a scam or something because at what point does any collection agency have a justifiable right to take money from someone's check without any prior notice whatsoever, especially from a judgement they claim is from almost 15 years ago. I had no notice of any court proceedings, or any information besides this notice I recieved today on XX/XX/XXXX.
|
| 04/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am in the process of buying a home. I learned that there was an alleged debt owed to XXXX XXXXXXXX being pursued by a collection agency named Rausch Sturm Israel Enerson and XXXX. This was a surprise because I am confident I paid the debt in 2020. At that time I settled a couple of delinquent accounts with credit card companies and medical bills. It is my recollection that XXXX XXXX XXXX first contacted me about this debt and subsequently XXXX XXXX began collection efforts on behalf of this debt. Because of the time that has passed, I contain locate the records. Therefore, I contacted Rausch to get information. I also contacted XXXX XXXX. Neither entity has responded. I provided the CFPB a copy of that letter. I believe the parties have failed to verify this debt because it was in fact paid to one of the collection agencies but my account was not credited. Moreover, I believe this debt may be time barred pursuant to the statute of limitations. I believe my recollection of the events is correct because for a period of time after 2020 this debt did not appear on my credit report.
|
| 09/24/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
On XX/XX/2021, Rausch Sturm LLP sent a letter to me stating that I owe an alleged debt. After reviewing the letter from them, I noticed Rausch Sturm LLP has violated many of my consumer rights. Pursuant to 15 U.S.C. 1692e ( 3 ) Congress states " a debt collector may not use the false representation or implication that any individual is an attorney or that any communication is from an attorney. '' Also, pursuant to 15 U.S.C. 1692c ( a ) Congress says " without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector MAY NOT communicate with a consumer in connection with the collection of any debt. '' I never gave consent to Rausch Sturm LLP to communicate with me over an alleged debt. Since I did not give consent, that means Rausch Sturm LLP has obtained my private information illegally. This is a total breach of my privacy and is equal to Identity Theft. Below, I have attached a response demanding them to Cease and Desist from all communication with me pursuant to 15 U.S.C. 1692c ( c )
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
In XXXX of XXXX i was notified that i owed a debt for a " XXXX XXXX XXXX XXXX' to a firm named Rausch Sturm LLP. They sent me a letter giving me a chance to dispute this and i responded immediately and did. They never responded. I thought that meant they did not have the proof that this was my account and i owed them anything so i thought it would fall off my report. It did not. Then in XXXX of XXXX, they tried to swindle me again. Sent me the exact same letter they sent me in XXXX of XXXX. I once again responded immediately. Again, no response, but this time i was not going to let it keep destroying my score. I waited 40+ days for a response, they did not, so i sent ANOTHER letter and they never responded again. It is clear they do not have anything substancial tying me to this debt they say is mine and have been breaking the law for some time now. I will attach all my their letters and all mine on to this complaint. I have the numbers for certifed mail too so I know they received my letters in response. They have continued to destroy my credit since then for no good reason.
|
| 06/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received a summons from Rausch Sturm on XX/XX/23 without prior warning that they would take legal action. I have not been able to contact their office with the phone numbers provided in their correspondence. The call gets dropped whenever I attempt to call them. Im able to get through but the call always gets disconnected after selecting the option to continue in English.
My phone number is incorrect on their website and the only way to update is by phone.
I tried calling them on XX/XX/23 and submitted a call back request with a good number on their website. I attempted to call again on XXXX, XXXX, and XXXX. I also submitted call back requests on XXXX, XXXX and XXXX on their website.
On XX/XX/23 at XXXX XXXX, I went to their physical office located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX but no one appeared to be in the office as the lights were off. There was a notice on the door with the same number ( XXXX ) the calls were disconnected from.
I only have 20 days to respond to this summons but I am unable to contact them to discuss my account.
|
| 06/30/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Rausch Sturm LLP has garnished my check from a debt in XXXX which I was given a 1099C in which I had to file on my taxes which I sent a copy to them 3 times with the last paperwork being sent certified in XXXX. I reported this issue to them on XX/XX/XXXX they sent me a letter stating that they were going to reopen the judgement and amend to correct my name. My question then if is closed how are adding different employment for me on the judgement which had a place of employment I had never worked. They are sending my information to third parties which they did during XXXX! XXXX. My information was sent to New Jersey and I get a letter from the state that my PP loan was denied they informed I would have to get a IP PIN to file taxes for the rest of my life. Now on XX/XX/XXXX I get a letter with same case number for XXXX Bank which was on the original judgement now they change the name of the company to XXXX XXXX XXXX XXXX with the same case number XXXX. I'm a over XXXX and work a seasonal job to help with expenses. They have violated so FDCPA laws.
|
| 01/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XXXX XXXX XXXX did not comply with the 30 day dispute nor any requests I had made, and then filed a lawsuit against me in order to collect a debt that was paid through a debt consolidation company I was using. A dispute letter was sent via certified mail to XXXX XXXX XXXX XXXX as well as to XXXX XXXX XXXX which represent XXXX XXXX XXXX which was signed for XXXX. I received a motion for XXXX XXXX dated XXXX. I received a packet of papers for my written dispute which was postmarked for XXXX. I also have an attorney representing and she reached out to XXXX XXXX at least 3 times via email and no response to anything that was sent. The last court date I attended another attorney was in attendance not XXXX XXXX. The case was dismissed without prejudice. I had all documents from my debt consolidation as well as my attorney and this left the case open for them to pursue me further. I tried contacting Rausch Strum LLP for clarification on this matter and no one ever contacted me.
|
| 12/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I closed My XXXX XXXX account after 20 years of on-time payments due to them dropping My spending limit from {$50000.00} to {$500.00} for NO reason. The XXXX card costs {$550.00} annually, so I asked for My annual membership fee back. They sent a check, I deposited it. 3 months later I get a statement for {$660.00}? I closed the account on XX/XX/20, Inquired about the debt, they said they sent a " Second Check '' that was cashed? That never happened! I asked to have an image of both signed checks sent to Me and they never did and still have not. It was sent to a debt collector and My credit is still suffering because of their mistake. I hired a lawyer to force the end of this and he got nowhere as well. I have sent letters to corporate, no reply, spent hours on the phone, hired a lawyer with no progress. I have spent more money proving My position and it is still costing Me money every month on other accounts because of My credit rating.
Please Help!
|
| 08/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I sent an email to RauschSturm LLP via their website requesting proof of the validity of this debt. They failed to provide any proof of this debt within the 30 day time limit and in fact never once contacted me. Today I received a summons from the XXXX XXXX Wisconsin court system stating that I am being sued for this debt. This is the message I sent to RauchSturm LLP. Their website clearly states they accept written requests for discourse and validity via email AND mail. I have proof I sent this request. I emailed them the following with personal information redacted for this complaint.
My reference number is XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I want to dispute the debt you say I owe on a letter you sent me dated XX/XX/XXXX in the accused amount of {$1900.00}. wish to request proof of my debt so that if I owe it, I can make arrangements to pay it. And if I don't, to have the chance to prove that. I request a statement.
|
| 10/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Rausch Sturm sent me a letter a couple weeks ago stating that they have either bought or are representing a company for debt collection purposes. I have yet to see proof that they are representing still but that's not my biggest issue.
I sent them an electronic notice on XX/XX/XXXX to dispute and told them to ONLY keep communications to physical mail and email, that would make all other communication forms off limits. They then proceeded to attempt to call me on XX/XX/XXXX while I was working which I decided may have been a one and done breach of rights. However, they then decided to attempt calling me again while I was working today ( XX/XX/XXXX ) at which point I decided to file this formal complaint towards you, Rausch Sturm LLP. My communication rights have been violated.
I sent another dispute request in today ( XX/XX/XXXX ) as well which will hopefully be honored as it once again specifies which forms of communication are appropiate.
|
| 04/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
I have a credit card bill that went to Rausch Sturm LLP Attorneys At Law do to a law suit with a former company. I have been contacting them for the last 2 months asking for a payoff. My bank is giving me a loan and it is just waiting for the pay off letter. We have called repeatedly, emailed, the bank has called, I filed a complaint with XXXX and all they said was they mailed me the letter, that was forever ago. The Rausch Sturm LLP Attorneys At Law company will not answer my calls now, the banks calls, or my title companies calls. I just want a pay off. They are cashing my payments just fine, but had stated previously that they did not have an account # for me. How can you cash a payment without an account # and it only takes a few minutes to give me a pay off. I am exhausted and time is running out for me loan to be able to close.
Rausch Sturm LLP Attorneys At Law XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
XXXX WI, XXXX XXXX
|
| 11/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - who hired collection agency Attorney for Collections : RAUSCH STURM XXXX of XXXX, TX XXXX ( new name of Rausch, Sturm, Israel, Enerson, Hornik of XXXX, Texas XXXX ) I hired an attorney to help make payment plan, and avoid judgment.
Payment Plan agreed ( XX/XX/XXXX, Agreed Judgment dated XX/XX/XXXX, Debt fully paid XXXX XX/XX/XXXX No communication from Plaintiff lawfirm Rausch et al..
Fast forward : XX/XX/XXXX ( 7 years AFTER last payment was sent in to satisfy debt ) : My attorney contacted by Rausch et al threatening repeat collection action, judgment, discovery interviews, depositions - against the SAME XXXXXXXX XXXX debt.
This is a fishing expedition - trying to collect on past customers/clients/debtors who still own assets on record, and may be even against those that may have died in the intervening seven years.
CAN THEY REALLY DO THAT??
|
| 06/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Received copy of Certificate of Service of Plaintiffs Post-Judgement Discovery Request to Defendant, filed in a MD District Court, without my prior knowledge of this or any previous judgements. This company appears to have deceptively and /or falsely filed court papers, in an attempt to extort or obtain money through questionable legal maneuvers for a long-expired debt ( 10+ years, as I can best tell ). This notice was sent in plain white envelope with nothing outside to indicate it contained a legal document or any proof of delivery required, appearing to be just a random piece of mail. This seems to be part of the companys tactics, so that important documents go unnoticed and/or not received at all, giving them justification to proceed with additional court filings, which are dubious if not deceptive. They have also reported to the court of serving such legal papers which were never received.
|
| 09/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Had case # XXXX vs XXXX Bank XXXX XXXX. I settled and paid through XXXX XXXX XXXX XXXX ( XXXX ). I paid an initial payment 0f {$1100.00} and then paid the rest os scheduled monthly payments through XXXX pay using my bank. Last payments finished on 2020.
I have been receiving harassing paperwork from XXXX XXXX attorney at Law ( XXXX ) XXXX, duplicating case # XXXX and asking for {$4500.00}. which was already collected by XXXX XXXX XXXX XXXX.
I went through my bank statements to ensure the payments were there.
This is appalling and sad that we are letting these firms STEAL from every day people trying to make a living. I went through a hard time but did pay XXXX all that I owed. Why is XXXX XXXX trying to steal from my family. I fought for my country and would do it again in a heartbeat.
Please help and correct/punish these individuals trying to take advantage of our systems.
|
| 04/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
on XX/XX/2022 I attempted to call XXXX XXXX XXXX in an attempt to clear this debt and i was told by XXXX XXXX that she could not help me because the account is no longer with them she then gave me a number to Rausch Sturm LLP at XXXX and i spoke to a XXXX XXXX who stated that she could not transfer me to an attorney and i asked her how can i take care of this she stated that she can see and if i pay it it may be settled and i asked her how long she stated she does not know how long this takes and no one there will have a time frame and that there was nothing that could me sent to me. My complaint is that this is on my credit report and not XXXX of these agencies could help me with clearing this off my credit report, i'm not understanding why both companies wish to make this process so stressful for me to get cleared.
|
| 07/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
Back in 2013, I had an XXXX XXXXl stay in XXXX XXXX ( I was a XXXX XXXX at the time ) for shortness of XXXX and XXXX. The XXXX diagnosed my condition as XXXX. My health insurance denied the claim as a pre-existing condition. My provider was XXXX XXXX denied the claim of XXXX. I started getting notices from a debt collector " XXXX XXXX '' that I owed the total hosptial bill. The debt collector has now frozen our check, savings, lock box, XXXX XXXX XXXX accounts to satisfy XXXX. I received XXXX as my only income. My husband is the sole provider of our household. What are my rights? The monies that were frozen were my husbands paychecks. He wasn't even in the picture when this all occurred. But yet he is the one paying the price for this event. By law they can not take my XXXX.
|
| 02/01/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
I am a person who has been a victim of a compromised identity in which several accounts were fraudulently established one of them being a XXXX card services account and which I am disputing from the CRAs all of which have been removed except for one with one reporting agency. I have been communicating with XXXX and as of yet they have not remove this from my credit profile even subsequent to me faxing over the FTC report and a police report. Over the last two months I have also be getting a bill for the same amount owing to XXXX from this so-called attorneys company which I believe is a collection company that XXXX sold the debt from that fraudulent account in my name to this collection company who is now harassing me with the mail as well as XXXX
|
| 08/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Bought bed and adjustable platform ( frame ) the bed started to sag right away called XXXX number and they came out and replaced it, that one started to sag right away and the platform was not working properly called and told them this deal was not going to work for nothing was good or working right. They came out took bed but never took platform, platform started to smoke XXXX days later, I unplugged it and put it in garage.
When platform was first acting up I called sleep number and told them about bed and platform, they tried to tell me there was no warranty on platform, I said there has to be some kind for it is electric and has motors in it Instead of taking care of the problem they turned my bill over to collections and ruined my XXXX XXXX
|
| 03/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX from XXXX TX is currently suing me in XXXX XXXX XXXX Florida.
They claim that on XX/XX/2019 that I took out a loan to cover the purchase of appliances and other items in the attached document XXXX XXXX with a loan repayment in the amount of XXXX.
The delivery address on the bill shows XXXX XXXX XXXX, XXXX TX XXXX.
I do own property in XXXX, TX XXXX about XXXX miles south on XXXX. I have not been back to Texas since my XXXX 's passing in 2019.
I enclosed a copy of my XXXX bill showing that I made purchases the day before in XXXX XXXX Florida. I pay my XXXX XXXX in XXXX every month with a credit line of over {$37000.00}.
On the XXXX I would take a cruise out of XXXX XXXX, FL.
I have also attached my XXXX XXXX court hearing
|
| 10/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On Thursday, XX/XX/XXXX, I, XXXX XXXX, received a letter with no company name, just an address provided, for a XXXX XXXX at my address, XXXX XXXX XXXX, XXXX, TX XXXX.
I attempted to return-to-sender via USPS as XXXX XXXX does not live at my address and is not associated with my address. The USPS returned the letter to me because the debt collector provided to allow for forwarding/return instructions.
As such, I had to spend time, money, and postage to return the letter to Rausch Sturm, LLP. Their name is not on the envelope and a detailed address search had to be conducted.
Being a victim of identity theft, I am unsure what this debt is, if it is in any relation to me, or what effects it may have on me.
|
| 03/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I previously submitted a complaint about Rausch Sturm LLP attempting to collect the incorrect amount of debt. On XX/XX/2022 Rausch Sturm LLP sent communication confirming the actual and correct amount of debt owed. They said that, I as the customer only owe XXXX to pay my account in full.
I have made multiple attempts to contact Rausch Sturm LLP to pay the above amount to settle my account. They refuse to give me access to my account saying it is still in a dispute. No one can answer my questions of how long it will take or offer any solutions. I would like to pay off the account and be done with this company. I have called weekly to ask for updates my account and have not received any helpful information.
|
| 12/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
They continue to call, don't say a word and hang up. Multiple times a week from different numbers. They've called while in bankruptcy after repeatedly telling them to stop. They've called today XXXX times XX/XX/2024. They specifically timed a certified law suit threat to come to me on XXXXXXXX XXXX this year expected me to sign for it thinking it was a gift. Again and again they harrass, I tell them to stop because they are in violation of the Fair debt collection practices act and they ignore it and call from another number. I've blocked XXXX different numbers just this year from them because they continue to harrass. They continue to try to get verification on my name, which I refuse to give.
|
| 04/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
RAUSCH STRUM LLP on behalf of XXXX XXXX has filed a lawsuit with XXXX XXXX Justice of The Peace. Without properly communicating with me.
I sent a letter in response Denying the debt owed XX/XX/XXXX and the company sent a response XX/XX/XXXX. XX/XX/XXXX the firm filed a lawsuit without notifying me and before my legal 30 days to respond.
XXXX XXXX was notified during the pandemic of my financial situation. No relief was offered after several attempts telling them I was unemployed. No payment reduction or any payment arrangements offered.
This firm has a history with filing lawsuit illegal.
All my calls have went unanswered.
Please look into this firm past and XXXX REVIEWS.
|
| 03/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A third-party debt collector purchased a debt that doesn't belong to me. I notified them that it was not my debt and I disputed it. On XX/XX/XXXX, the company filed a suit against me in the state of Wisconsin for the amount of {$17000.00}. The company claims to represent the original creditor, yet has provided no contract, or affiliation agreement showing proof of this claim. The company has also failed to provide me with a contract containing my signature, which they claim to have. On two separate occasions, on XX/XX/XXXX, and XX/XX/XXXX, both via certified mail, I've requested this contract. I am now going through litigation and court proceedings as a result.
|
| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
submitted dispute to XXXX Credit report Agency, 2 weeks later no conclusion?
their report has wrong information on a 10 year old credit card account from XXXXXXXX XXXX. both XXXX and XXXX have the same account closed in XXXX XXXX. here in Oklahoma, debt based on written contracts have a limitation period of 5 years ( O.S. 95 ( 1 ) ), while oral contracts may only be collected upon for up to 3 years ( O.S. 95 ( 2 ) ). Attachment, or the legal seizure of property or a person, has a statute of limitation of 5 years ( O.S. 95 ( 5 ) ).
this account is reaching 7.5 years old 2.5 years past the prescriptive date of the legal limitations?
|
| 11/17/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
A law firm agreed to a settlement amount.
They are now saying they will not honor that amount.
Reason. I had previously made an agreement for an amount greater than the amount provided in a letter I received that looked like junk mail.
I subsequently called the law firm back and stated that I will pay the amount that the letter stated. The service rep agreed and collected monies. All 5 bureaus were to be updated and reported as paid. Today they stated they would honor the original agreed amount with the first rep and that the rep who agreed to the letter amount was wrong and apologized. Could not talk to a manager.
|
| 11/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received one letter from Rausch-Sturb claiming that I owed money to them. They sent paperwork to have me served to an address that I havent lived at in over 5 years. I finally received a letter at my home address with no information on the original creditor, only the amount due. I sent a verification letter in accordance with the Fair Credit Reporting Act in XX/XX/2023 and did not receive a response until XX/XX/2023 when they had me served at my home. I still have no idea what the debt is, who the original creditor was, nor if there was any agreement for me to pay said debt.
|
| 08/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
On letter dated XX/XX/2022 by Rausch Sturm requesting post-judgement discovery on a debt collection from XXXX XXXX XXXX that I disputed with XXXX XXXX XXXX XXXX XXXX at Law No XXXX Presiding Judge XXXX XXXX based on belief that the debt has passed the statue of limitations and that the debt collector and/or their representative failed to provide proof of debt including chain of custody for documents, original proof application for credit, itemized records of all purchases to validate the amount, and any other supporting documents need to make a judgement.
|
| 07/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been calling for a week has been showed paid. For a week. Everyone refuses to notify my employer even though my checks are about to get garnished. No one will help. The list guy said yes I have to by the extra until their attorney gets the release in even though the attorney w 's in the file. I was refused to be transferred to supervisor. I told them hen they get the garnished check from my employer to not cash it and send it back and he wont do that either. They are not make any effort to not take extra. XXXX XXXX rausch and strum company
|
| 06/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
3 days lost day of work for this case because the plaintiff failed to submit documents in the first case XXXX XXXX FL XXXX XXXX XXXX which was dismissed for the same reasons. We had an agreement in XXXX, I was served 45 days later, I called them several times to ask why we were going to court to which they responded, " the paperwork crossed '', it did not, they never submitted it. We then went to court and the Judge gave them 30 days to submit it again, they did not and it was dismissed.Now they have re-filed.
XXXX XXXX XXXX
|
| 02/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
On XX/XX/2022, I was served what looked like to be legal, country documents for wage garnishment. This XXXX XXXX debt collector must have one a previous judgement vs. me. The County documents have no seal of authenticity or filing dates in my county. They have the name of my employer and myself as defendant and garnishee. Not only do I not make enough money to meet the legal requirements for garnishment, I see no date where it was even filed in court. They are using County documents as a scare tactic.
|
| 11/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
- I sent a Correspondence to XXXX XXXX XXXX, dated XXXX. It was regarding a request for validation of alleged file # XXXX, per the FDCPA 15 U.S. Code 1692g & 12 CFR1006.34, In addition to violating 18 U.S. Code 1028A ( Aggravated Identity Theft. I also invoked my Consumer Rights under 15 U.S. Code 1692c ( c ) to Cease and Desist.
- Also sent XXXX XXXX XXXX an affidavit of truth for 15 U.S. Code 1692 violations and enclosed an invoice for {$4000.00} ( USD ) for violations of my Consumer Rights.
|
| 04/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Collection company that purchased old debt from original company. Then filled a lawsuit against me for debt purchase from said company and is not original debt ownership and law firm retained for said lawsuit has contracted a process server that would harass my home that Im not the only tenant in and disrespected and was disrespectful to other tenants is home and would wait outside and walk up to windows and look inside creating a disturbance for other people in home
|
| 04/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XX/XX/2019 I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD data breach I notice accounts being open in my name without my permission. the following accounts are not mine XXXX XXXX
|
| 06/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Rausch Strum LLP is the debt collector for XXXX XXXX XXXX.
Statement says as of XX/XX/2014 i owed {$2500.00} Between then and today i was charged {$1300.00} i paid and was credited {$3100.00} and now saying i Owe {$780.00} Oklahoma state law for statute of limitations on any debt is 5 years this account is 7yrs and almost 9 months old coming on 8yrs. I would like this debt collection removed from my credit report and to not be contacted further.
|
| 03/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
these guys are spoofing numbers from my phone so it looks like my contacts. I wont give them my information they call 3-4 times all from contacts in my phone i call my friends back they have no clue what I'm talking about.
I live in Texas Thier website doesn't have credentials and licensing according to their website to practice in Texas https : //rauschsturm.com/ Rausch Sturm LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
|
| 04/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have been receiving this debt collection attempt for a while and I wrote them multiple times to dispute this account and asked for validation and they failed to provide me with proper signed validation. I wrote them again but didn't receive anything. Now XXXX different companies are sending me debt collection letters about the same account which I disputed multiple times but they keep on sending me threatening letters.
|
| 12/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
He starts out by saying he is representing an Attorney, I believe this was stated to intimidate me. They call 5 or 6 times a day. I told him to take my number add it to the do not call list, and to send mail. I don't know who this company is. Normal Attorney 's don't call incessantly. They try intimidation by insinuating you are being sued. When all they are is a debt collector with shady dealing.
|
| 08/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Hello my name is XXXX XXXX.
I have been receiving phone calls from a women stating she is from XXXX XXXX. She states she is looking to speak to XXXX XXXX on a debt. I have told her on numerous occasions to Please stop calling my phone number. This has continued for over a year now. What if anything can I do. I even tried ro block the number but they still call.
Thank You XXXX XXXX XXXX XXXX
|
| 08/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Rausch Sturm LLP, XXXX, has been excessively calling me on my phone number XXXX. SOmetimes calling me up to 7 or more times a day. Thursday, XX/XX/XXXX they called me 6 times around XXXX. 1 time on XX/XX/XXXX, 2 times on XX/XX/XXXX, XXXX, 1 time XX/XX/XXXX, 7 times on XX/XX/XXXX, 1 time XX/XX/XXXX, 4 times on XX/XX/XXXX, 1 time XX/XX/XXXX, 3 times on XX/XX/XXXX etc.
It is out of hand!
|
| 07/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The Company Rausch Sturm LLP has sent numerous letters in an attempt to collect a debt that as a consumer I do not owe. several times they have brokenthe law under 15 U.S.C 1692d.
Their Phone number comes up different everytime they contact me but the one that I have for them is XXXX. This has been a nightmare and I would like for them to stop or my next step will be to call the FTC
|
| 11/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I keep getting a call from this number XXXX for over a month now. My caller ID shows it's rausch sturm, a debt collector company. I do not have any outstanding debts and I have confirmed it through my annual credit reports. They seem to be impersonating a debt collection agency to trick me. However, I am still scared about identity theft and potential fake debt. Please help me.
|
| 04/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
On XX/XX/XXXX. I noticed that my bank account was suddenly at {$0.00}. Checked my transactions and noticed there was a debit with a legal lts attached. I was given the number to call and come to find out that my account was garnished and got a freeze put on my account from a debt collector. The debt was from XXXX from XXXX XXXX. Is there anything I can do to get this fixed?
|
| 09/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I'm reaching out because I've requested the law firm to post my payment for last month that they cashed and posted it to someone else account they still trying to collect XXXX when it's XXXX or less because looking back I've made payments and who is to say they have applied correctly my account is XXXX XXXX with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, WI XXXX
|
| 08/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Paid this debt to another creditor already. Have documentation saying the account has been settled. I will not do the homework for this company.
Rausch Sturm LLP : Received a letter on XX/XX/2021 saying I owe XXXX to XXXX XXXX XXXX, XXXX.
Debt has already been settled and has been previously removed from all 3 credit bureau 's as well.
|
| 04/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I just received a random Garnishment on my new personal bank account.
I did research and found out it's from a debt im unaware from XXXX ( XXXX XXXX XXXX ).
The debt was garnished by a company named Rausch & Sturm/ XXXX XXXX XXXX
I have no knowledge of this debt which is from 2009 when I was XXXX XXXX of age with no apt/home in XXXX.
|
| 09/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I keep getting letters and phone calls from a law firm named Rausch strum trying to collect a debt for XXXX XXXX I have no idea what this debt is and they have not provided what the debt is also XXXX XXXX is a debt collection agency i do not have any outstanding debt with any companies and want the phone calls and letters to stop
|
| 04/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is no response or proof of the Wage Garnishment from the company in the response and the complaint was closed incorrectly. This is getting ridiculous that this copany can lie and say they filed a wage garnishment for a debt that is beyond the statute of limitations and take money illegally and you are not helping.
XXXX
|
| 03/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I take XXXX XXXX XXXX XXXXXXXX to court to lower a garnish in court the judge secretary hand me a paper was sent to them say garnishment stop and paid in full it's was 3yrs ago and they sold my bad debt to different collections agencies Rausch Sturm LLP debt collectors and that company sold was form XXXX the amount own XXXX
|
| 10/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
this lady, firm i do not know, have no contract with, has sent me papers threatening to sue me. there is no documentation, as per law that they actually represent the lenders, that they say they do. this is criminal extortion, i do not know them, and all of a sudden i get these letters of extortion, from this rauch firm.
|
| 01/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received a notice on XX/XX/2021 that a Debt Collector is trying to collect a debt based on a judgement meaning I may have already been sued but I was not aware of it and was not given any communication about this debt nor options to pay this debt.
I have only been given the info about a judgement and thats it.
|
| 06/13/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter from Rausch Sturm about an attempt to collect. I responded to said letter with a request on proof of verification, which has yet to be responded by from Rausch Sturm. I sent the letter by Certified mail, tracking # XXXX XXXX XXXX XXXX XXXX confirming they did in fact receive this on XX/XX/21.
|
| 03/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I keep on receiving Debt Collection Requests from Rausch Sturm LLP even after I've informed them that I never applied for any Credit Card From XXXX XXXX XXXX nor any other credit Card. I don't even own a creit card for that matter. I have asked for additional information as well but never received them.
|
| 11/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX paid in full still on my credit file XXXX Rausch Sturm LLP I asked them to pay but don't want to take payment reported to the credit reporting agency put lean on my house.
XXXX XXXX paid in full is still on my file Ice system paid in full still on my file
|
| 01/30/2024 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/24 Received some sort of communication regarding a debt that just shows a reference number, partial account number, an amount of XXXX. No information pertaining to what this debt is regarding and no information on the original creditor.
|
| 02/28/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I help my son buy a car, it was repossessed because he did not pay, now they are asking me to pay what he did not pay. I already called n tell them I can pay {$10.00}. Per month. Im XXXX n I dont work. It was already more than 7 years ago!
|
| 05/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
They violated the cease and desist order. I called to verify that the account had the order on it, and they are mailing me threatening debt collection communication anyway.
Letter was dated XX/XX/XXXX. Received on XX/XX/XXXX XXXX
|
| 05/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I entered into settlement agreement with Rausch Sturm on behalf of XXXX XXXX and overpaid by {$750.00}. I have provided documentation for months from myself and an attorney. They are still returning. to refund the {$750.00}.
|
| 03/15/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Rausch Sturm LLP took funds from my savings account and checking account and refuses to give me documentation to back up the debt they claim I owed or send me a receipt of payment for what company and amount these debts are.
|
| 08/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Just found out that XXXX XXXX XXXX XXXX XXXX filed a small claims suit against me. I do not or have never had an account with them. There is nothing on my credit report from them. This is clearly a fraudulent account.
|
| 08/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
This debt is considered to be statute of limitation last payment made in XXXX limitation for this is 5 years for state of nebraska they switch companies and report it to credit bureau as new debt.
|
| 10/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company has not provided validation of the debt, nor proof of purchase for the debt to show that they are authorized to collect on it.
|
| 04/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Trying to collect a debt after cease and desist notice, debt is part of an ongoing bankruptcy/ fraud trial and they have the case number.
|
| 08/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXX XXXX and I am submitting this complaint on behalf of myself without any influence of a third party or agency.
|
| 09/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
Attempt to collect on an account that was charged off. They called and mailed notices about this but no further information.
|
| 03/02/2023 |
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
|
|
Web |
Servicemember |
|
I have made several disputes over and over again and every time I do they drop my XXXX XXXX and make it worse
|
| 03/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
frequent and repeated use of automated machine to call...
also, will not accept XXXX for payment.
|
| 01/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I ask the company for specific paperwork to send me and didn't receive.
Violated my rights
|
| 08/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not owe this debt. XXXX XXXX is not mine.
|
| 02/08/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 10/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
|
| 10/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 09/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 07/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 06/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
|
| 03/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 03/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 02/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 01/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 12/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 10/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 09/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
|
| 08/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
|
| 06/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Referral |
|
|
|
| 05/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 05/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 04/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 04/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 04/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/10/2022 |
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
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 02/18/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 02/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 02/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 01/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 01/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 01/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
|
| 01/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 01/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Phone |
|
|
|
| 12/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 12/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 11/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 10/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/08/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
|
| 08/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Phone |
Older American, Servicemember |
|
|
| 08/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/17/2021 |
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
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
|
| 06/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|