Sessoms & Rogers, P.A. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/09/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NC 28092	Web
On XX/XX/2017 I was served a complaint on behalf of XXXX XXXX XXXX from Sessoms & Rogers. I never received any prior notification of legal action. The complaint was served at my parent 's address, rather than my own. My father was informed of the service, the amount of the debt, the current account holder and the previous account holder. My rights were violated with this action and subsequently with other actions : According to the FDCPA subsection 804 : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall : ( 2 ) not state that such consumer owes any debt. Subsection 805 : ( b ) Communication with third parties : without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonable necessary to effectuate a postjudgement judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, etc. Subsection 807 : ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. I have been notified that Sessoms and Rogers will attempt to get a judgment against me without providing me the opportunity to face them in court as is my right. I have requested multiple times for a court date. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. Sessoms has been sending me documentation that looks official in nature, ordering me to answer questions about myself and the alleged account, these questionnaires are titled as being from the XXXX County Court system and require the signature of a district judge before they are sent to me, none have been signed or reviewed before being mailed to me, and none have shown any sign of being file stamped and placed with the XXXX County Clerk of Court. Therefore these documents are falsely represented to be issued by the court. Subsection 809 : ( d ) since there is no documentation provided prior to the service of the complaint, a communicaiton in the form of a formal pleading in a civil action shall not be treated as an initial communication. According to subsection 813. Civil Liability - each violation may not exceed {$1000.00} in fines/penalties. As there have been 4 violations of my rights under the FDCPA that would total {$4000.00} which is slightly more than the amount which Sessoms & Rogers is attempting to sue me for.
03/27/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NC 28278	Web
XXXX XXXX hired Sessoms and Rogers, PA to collect a debt that they say ends in account number XXXX. A Sheriff ( Deputy XXXX XXXX ) came to my door and had no concrete information but just advised me that XXXX XXXX had placed a judgement on my credit and he never served me with papers or any information. On XXXX XXXX, 2016 I then received a notice from Sessoms and Rogers, PA that stated I could request documentation related to the account in question. On XXXX XXXX, 2016 I received a notice from XXXX XXXX XXXX that they had placed a {$4700.00} legal hold on my account because of a writ of execution from the sherriffs department. I have XXXX issues with all of this ; 1 ) I havent had 30 days to do anything 2 ) the legal hold and fees that the bank applied as well as the violation of my account may have been issued by a lawful entity but it has no merit and is an absolute violaton because there is no due process and it places me and my family in a hardship situation because I am the sole provider for XXXX dependents. 3 ) As I research the situation of how I could even get into this predicament, I see that I was supposed to be provided written documentation from the creditor or debt collector, there could have been a court hearing ( that I know or knew nothing of to defend or advocate for myself ) and I should have been served some documentation and not just a visit. Portfolio recovery for me was already settled when I purchased my home and I would like to know at this point what this is. It is harrassment and an absolute violation. The legal hold by XXXX XXXX XXXX as a tactic used by the Sherriff 's Department is also a major violation because they put a hold on an account that would never have {$4700.00} in it and all utilities for my home come out of that account. How could one ever pay all of that money at one time, continue with not falling into debt with their other creditors and servicers and not fall into deeper debt? No one wants to provide me with written documentation. I have been in a predicament before where I called people and thought I had a settlement and then it turned into something else ; I only want clear and written documentation and the only person I really would like to talk to is someone who can advocate for me and a judge who I know would have transcripts of our encounter.
06/16/2017	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 28213	Web
This is a debt/judgment that I owe and I am trying to pay ( that was not an option for me to choose on the previous page ). On X/X/17 I tried to pay a collection agency Sessoms and Rogers of what I owe from credit card from XXXX bank. I used their website to enter my checking account information. I received a receipt that I made the payment. A week passed and the collections agency did not take the money from my checking account. I called the Sessoms and Rogers to tell them that the money was still in my account and a representative told me that it was ok it took time for the funds to be removed. Another week passed and the funds are still in my checking account. I called again and another rep. told me they received word they could not find my account that is why they could not retrieve the funds. So I asked this Representative that I can pay the debt now and they told me no because my account is closed. The told me I had to contact XXXX . I called XXXX to see if could pay them and they told me no too because my account was closed. Sessom and Rogers told me they would have to ask XXXX for permission to open the account so I can pay my debt. As of today, X/XX/17 I still can not pay them and I feel like they are playing a game with me. I have never heard of a credit card or collections company that would not take a payment. I am trying to rectify this because I am in in the process of trying to purchase my first home and the judgment has to be off of my credit report. Also, my credit report says money due is {$2300.00} but Sessoms and Rogers says I owe {$2600.00} that I have been trying to pay. Is that legal they are charging me more? All I want is to rectify this, pay what I owe so it can be taking off of my credit report. Can you help me?
08/11/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	NC 27616	Web
I received a document delivered by the Sheriff of the county I live in. I was not home and the document was attached to the front door of my residence. I immediately called the Sheriff once I got home and read the document. The document said I owed a debt and listed the dollar amount of the debt on the document. The sheriff and other unknown persons were able to see my personal financial information. The debt collection agency threatened to take my vehicle as payment if I did not call them immediately and set up a payment plan. The sheriff also called the debt collection agency and he was told too that they would take my vehicle as payment if I did not call and set up a payment plan. I began to have a XXXX XXXX and contacted my M.D. I was prescribed XXXX to control my XXXX and prevent me from XXXX. I began to suffer from XXXX the same night as the document was left on my front door ; I returned to my M.D. suffering from XXXX and prescribed XXXX. After I got myself healthy adn back on track I was able to stop taking the XXXX but I still suffer from anxiety as I look over my shoulder feeling as though someone is going to take my vehicle as I go into XXXX to pick up a few groceries. It 's an awful feeling and as I am unemployed but actively looking for employment ; a payment plan is impossible as I am living off of my savings after moving into my mother 's home unable to pay rent or live independently due to unemployment and lack of money. My vehicle is paid off but the debt collection agency said they put a hold on the VIN so I could not transer the title into another name ; the hold on the VIN makes it impossible to sell the vehicle and buy a cheaper vehicle in order to make a lttle profit.
06/17/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NC 27534	Web
S & R got a judgment against me for XXXX old accounts from XX/XX/XXXX in XX/XX/XXXX for {$7000.00}. I started making payments after they got the judgmet. I lost my job and was in the middle of a divorce but I kept paying. My old lawyer paid the debt off in XX/XX/XXXX from settlemet funds during the divorce but I did not know this until recently. From XX/XX/XXXX until XX/XX/XXXX, I continued to pay {$100.00} every month even if I did n't have it. I was send letters and they called me all the time. I would ask them for the balance and they would not send me any thing. I asked fro receipts and they would not give them to me. They told me they did not know the balances. This year in XX/XX/XXXX I had a friend call with me to ask for a copy of the judgments and account information but they would not talk with me. I called again in XX/XX/XXXX asking for how much I owed because they sent me a letter saying I owed nearly {$5000.00}. I got a letter in XX/XX/XXXX from the court saying I owed more than {$7000.00}. They sent the sherrif to my house. I have paid more {$9000.00} plus my old lawyer paid another {$5000.00} on a {$7000.00} debt and they say I still owe more than {$7000.00}. The court say I owe 8 % interest since XX/XX/XXXX but that does not add up to another {$7000.00} when I have paid {$14000.00} already. The court does not show all the payments I sent the law offices. They wll not tell me why I owe so much and I canot afford amother lawyer to help me because I do not have a job. I went to Legal Services and they will not tell them any thing either. I ca n't sleep and I am stressed out over all of this. No one will help me. Please help me take care of this and make them stop.
03/01/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NC 28205	Web
I am totally and permanently XXXX and have not been able to pay off XXXX XXXX XXXX and XXXX XXXX XXXX credit card. I was XXXX XX/XX/XXXX. I was taking money out of my IRA retirement fund to pay my mortgage and credit cards. I went to credit counseling in XXXX, NC and was given advice about the letter I should write to the debt collectors. In my letter I explained that I was unable to pay because I had become totally & permanently XXXX and on Social Security XXXX. I tried to work with them after being harassed. I was not even given the opportunity to work with them on the balances. Next I was subpoenaed to court. They knew I was on XXXX because I also sent my Social Security XXXX Beneficial letter which showed my monthly income. Legal Aide helped with the exemption letters. Of course late fees & interest has almost doubled the balance due. I have to pay the full balance on XXXX XXXX XXXX {$6200.00} ( which is my mortgage co ) and XXXX XXXX XXXX {$4600.00}. I have been able to stay in my home through Short Sale and not foreclosure. Now my home has sold through Short Sale and closing was suppose to be XX/XX/XXXX. We couldn't have a closing because both banks put a lien on my home just 2 days earlier. I had to move out of my home before closing. All of my belongings such as furniture, clothes & toiletries are in storage in a different city. I can not get an apartment through HUD or Housing Authority because I have a mortgage still. The buyers were told today where we stand on closing so they've pulled out. I am living out of my car with my dog. I will also be paying more since I have an HOA of {$180.00} and {$90.00} for a storage unit and medical bills and food etc.
08/14/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 279XX	Web
I the consumer have asked XXXX XXXX XXXX to validate the alleged debt he claims that I owe, and all he has provided me with are statements to an Alleged account that he can not prove is mine. I never gave XXXX XXXX XXXX consent to use my private personal information for anything. I do NOT have a contract with XXXX XXXX XXXX or his company. This is the 3rd attempt and I still have not received the relevant paperwork that the law requires this debt collector to provide the me the consumer. XXXX XXXX XXXX and his company have violated my Consumer Rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. You XXXX XXXX XXXX ( Sessoms & Rogers ) failed to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. You are an attorney/debt collector is this correct? If so, I imagine you know the difference between a Validation and Verification of Debt Pursuant 12 CFR 1006.34c. This is all hearsay, what firsthand knowledge do you have? This is all false and misleading information. Furthermore, I request verification of the alleged debt, specifically, a copy of a CONTRACT or AGREEMENT. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. An attorney can not be a debt collector and a debt collector can not be an attorney. You are claiming to be both an attorney and a debt collector.
09/01/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 27262	Web	Older American
The original creditor was XXXX XXXX. I owed was about $ XXXX as of XX/XX/XXXX. The last payment date on this was XX/XX/XXXX. I lost my job due to a work related XXXX and then lost the income from that as well. I am not sure how XXXX XXXX XXXX is involve, but I received no notification that they were filing a judgement against me. XXXX XXXX XXXX filed the judgement against me on XX/XX/XXXX in XXXX County Dist Court, Docket # XXXX in the amount of {$12000.00}. I did n't even know there was a judgement until I tried to refinance my home in XXXX of XXXX. At that time, the loan officer informed me that it was on my credit report. We did research and found that XXXX XXXX XXXX XXXX has the file and the total amount they are charging me now is {$19000.00} as of XX/XX/XXXX. I have attempted to correct this with them, however, they continue to tell me that I need to speak to one person and that person is never available and will not return my calls. I have the information that they requested and I do n't know what they have done with it. They sent me a statement dated XX/XX/XXXX, told me in that letter that they are representing the XXXX XXXX XXXX, that my account number is XXXX ( they did n't even give me my entire account number ) and their file number is XXXX and told me that the amount owed is {$19000.00}. I have attempted on several occasions to correct this issue and have received no help in return. Instead, they continue to charge me 8 % interest per day and a $ XXXX/mth late fee.
10/04/2022	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	NC XXXXX	Web	Servicemember
I have been trying to contact XXXX XXXX XXXX about the credit card i had with them some years ago, in the amount of {$5000.00}. I called them about two months ago to see if I could go ahead and settle since I recently sold my home. They informed me that the account was turned over to someone else, and then that company said it was turned over to sessoms and rogers. I called sessoms and rogers and they informed me I told them not to contact me, which was not true at the time. I filed a complaint against sessoms and rogers and XXXX XXXX XXXX to the cfpb and XXXX. XXXX XXXX XXXX on two occasions did not want to comply with the XXXX. on the last occasion, they rejected the complaint from the XXXX. sessoms and rogers never even replied to the XXXX complaint i had against them. XXXX XXXX XXXX also informed the cfpb nearly a month ago, that they would contact me directly concerning the credit card account, but they never did. I even called them and each time I called, no one answered and it would also go straight to voice mail. I have been trying to get the credit bureaus to remove this account from my reports since no one at XXXX XXXX XXXX will talk to me. I am a XXXX veteran and I must report XXXX XXXX XXXX and sessoms and rogers to the department of justice and to my congressman if they will not have the credit bureaus to remove this item from my credit report. this is getting ridiculous because I am trying to buy a house and I cant now
05/25/2023	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	NC 280XX	Web	Servicemember
I have been working hard to repair my credit and pay off a collection that I have on my account to improve my credit score. Between the dates of XX/XX/XXXX to XX/XX/XXXX, I have made several attempts to contact the agency to try and settle this debt. I was baited into leaving my name and number to give them permission to call my phone because every time you call XXXX or XXXX they send you to voicemail stating that they are short-staffed and they will call you back. This in itself is problematic because I do not want to give them permission to call me and harass me ( unknown XXXX numbers have begun calling my phone ). Once I finally got ahold of an agent after servals days of attempting to reach someone I was met with unprofessionalism and unwillingness to settle the debt. They wanted me to divulge sensitive information to the such as my wage, where I worked, my monthly bills, current address, etc. before they would talk to me about the collection. I then asked to speak with a manager and was told they could not escalate me to a manager and that they don't just allow someone to speak with a manager until I told them what my reason for wanting to speak with the manager was. She stated that she had answered my questions and that I did not need to speak with a supervisor.
01/18/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me instead of my attorney	NC 28277	Web
judgment was filed for a credit card debt of XXXX of which XXXX is late charges. Payment could not be made in XXXX when economy tanked and consumer was laid off for XXXX years. I have paid {$2100.00} and have the money order receipts for these payments 0f XXXX dollars for the past 3.4 years. I called to settle this debt and was told it would be based on my current income and Sessions and Rogers wanted to go overall of that on the phone. XXXX charged this account off but is still reporting on my credit. I called XXXX and they can not give me any information because the account was sold. Sessions and Rogers say they do n't report to the credit bureau. I feel like I have paid my dues on this account. We are having lay offs at my company and I want to settle this account as paid with no further payments. I cant get any straight answers. Sessions and Rogers filed a notice of right to have exemptions designated and I completed this to show I had XXXX assets at the time. They still sent the sherriff with a notice demanding payment with court fees attached which appears to have been an unfair and deceptive practice of harassment. I would like to have this judgment released. Enough is enough. I have not missed a payment in XXXX years
05/21/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29609	Web	Older American
I started a mortgage application XX/XX/2021 and was preapproved. Upon receipt of the title work XX/XX/2021, I noticed there was a judgment from XXXX XXXX XXXX against me. I want to payoff this judgment through the mortgage loan. I first contacted XXXX XXXX XXXX for the payoff at XXXX. They advised me that the account is now being serviced by Sessoms and Rogers and to call phone number XXXX. I have contacted Sessoms and Rogers over 10 times trying to get the payoff. The RE attorney I chose for closing my loan has reached out several times as well via email and phone. My loan officer has also reached out several times as well via phone and email. It is now XX/XX/2021 and I still do not have a payoff. Whenever any of us call, they state that are reviewing the file or updating the file and will contact me once it is ready. When I call the XXXX XXXX they say they can not do anything but refer it to Sessoms and Rogers who is now handling the account. When I call Sessoms and Rogers they continuously advise me, the loan officer and my Real estate attorney that they are working on it. It has been over 27 days and they still can not give me the payoff on this judgment.
03/12/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NC 27292	Web
my credit with XXXX actt # XXXX was turned over to sessoms and rogers XXXX XXXX XXXX, NC XXXX i agreed in writing to pay XXXX $ a month for 9 years or XXXX months and was happy about that. all payments are due on the XXXX day of each month, XXXX payment already made, cleared the bank XXXX WEEKS before it was due. next payment is not due till XXXX, per acct # XXXX ok XXXX payment per agreed to in writing has been made. on wednesday XXXX 2017 i giot a phone call about, i couldnt tell you, today XXXX 2017 i get a letter that said-we heard you have an XXXX representing you. I DONT. i agreed to make the XXXX $ payments buy the XXXX of every month but they just dont get it. lets re-cap- i have no XXXX and just want to make my XXXX $ a month payments and NOT GET MORE CALLS AND LETTERS FROM SESSOMS AND ROGERS, OK? end of story. tell these very unethical law firm nuts that XXXX check # XXXX has cleared the bank for my 1st payment and will do so every month or ill file a harrasment claim. they stop bugging me ill make the payments in peace and harmony. can you the fcpb help me in this matter, thanks.
04/12/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 28601	Web
I received correspondence from Sessoms & Rogers P.A. Claiming that I owe a debt to an XXXX XXXX XXXX, and threatened to file suit. However, I have never gotten into any kind of business/financial transaction with this company, not have I signed or agreed to pay any sort of debt to them, and the majority of what was in the packet that I received is 15-20 pages of either blank pieces of paper or papers that just say redacted line after line with no other information. I have tried to contact Sessoms & Rogers through both phone and email, their phone number I only get directed to voicemail, and in their packet was a email address that was slightly misspelled from the address on their website, which makes me feel like its a tactic to prevent you from starting a dispute in order to easily get a default judgement on someone since the email will never deliver. I am requesting that they prove that I am somehow responsible for this debt that they claim, that it is within the Statute of limitations, and that the amount is in fact accurate. I do not agree with their claim in any way shape or form.
11/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NC 281XX	Web
I am writing to express my disappointment with the inaccurate credit reporting done by Sessoms and Rogers PA. This reporting has severely damaged my financial situation. On XXXX, I noticed a new account on my credit report that I did not open. I immediately sent a notice to Sessoms and Rogers PA, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Sessoms and Rogers PA has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Sessoms and Rogers PA immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Sessoms and Rogers PA does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit in Federal Court.
08/01/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 28104	Web
I received a 3 letters from seasoms & rogers, P, A, ATTORNEY AT LAW 0N XXXX XXXX, 2017 they are saying that i owed to XXXX XXXX XXXX {$9.00} XXXX county case no. XXXX XXXX {$1500.00} XXXX county case no XXXX XXXX {$9600.00} XXXX county case no XXXX XXXX but, this account have been removed all from my credit report and from credit bureau because they were WERE NOT my accounts so the credit bureau removed them all they are no longer in my credit report but this company sessom ragers still harassing me and keep sending this letter with the police come knock on my my door all the time keeping sending me this letter all the time and they got my last four number of my social number but not all my social security of it so everything with company it is a wrong doing to my life i do not owed that is not my and i want this company to removed my name from their office i am not having anything to do with all this charges are not my they do not have all my social number they have only provide me last four number only i want this company to stop harassing me now.
06/06/2023	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	NC 280XX	Web	Servicemember
As stated in my first complaint, this firm is extremely difficult to get a hold of and when you do get a hold of a representative you are faced with dealing with a high level of unprofessionalism and them trying to deny the company approval a lower settlement offer. I call multiple times and was told that this offer did not exist and that I would have to pay the full amount or they would not be dealing with me in trying to help me resolve this matter. They did not offer me the opportunity to speak with a manager even though it had been requested twice. They did not acknowledge that I was given a settlement offer by XXXX XXXX. None of these became and option until I had submitted a complaint with CFPB. I was faced with people who were telling me that no such records existed and no willingness to verify this with the creditor UNTIL submitting a claim on them for unfair practices. The company should have verified this information, but refused, and then refused to let me speak with a manger regarding my concerns.
06/30/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 283XX	Web	Servicemember
this message is for XXXX XXXX XXXXXXXX and sessoms and rogers. sessoms and rogers is the lawfirm for XXXX XXXX XXXX debt collection. i fell behind on my XXXX XXXX XXXX credit card payments so they had sessoms and rogers take the payments instead. sessoms and rogers declined to take debit card payments and insisted they do it from my XXXX XXXX XXXX XXXX checking account using the checking account and routing number. so i agreed. i recently tried to do a stop payment because i did not have the XXXX dollars they were going to be pulling out for XX/XX/XXXX XXXX i called my bank, XXXX XXXX XXXX XXXX to do a stop payment. they informed me that they couldnt because sessoms and rogers, being deceptive, was doing ach debit payments and converting them to checks making it impossible for my bank to do stop payments. i did not know this until a XXXX XXXX XXXX XXXX representative informed me of this. she said that is kind of deceptive. so she advised that i get a new checking account which i am doing now.
10/06/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NC 283XX	Web	Servicemember
sessoms and rogers PA in XXXX north carolina sent me a default judgement letter. I looked at it and I tried to call them about this letter but they will not answer my phone calls. ive been making payments to them for the charged off XXXX XXXX XXXX credit card. i made them stop taking money because they illegally took the money out of my checking account, forcing me to change my account information with my bank. also, they wanted me to sign a confession of judgement. i was going to sign it but i fell ill. i am suffering from major health issues from the XXXX XXXX. so i get hindered a lot from going places and doing things. i guess they took this as a sign that i didnt want to sign it. so they put a default judgement out against me. i called them multiple times, at least 3 days in a row this week but they wont answer me.
03/31/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NC 27613	Web
XX/XX/2016 while apply for a new apartment my wife and I found out that we have a judgement that was entered on our credit report for the amount of XXXX for XXXX. we called them to knew more about the debt. they reffered us to their legal department that is base in North Carolina what is Sessoms & Rogers PA. we contacted them also to knew more about the debt, the loan. they tald me that the amount of debt was XXXX and we ask them for the original contract and they said, it has been requested and we will get all document supporting the jugment on our credit report, we wait 6 months we did not receive any supporting document just the bill the last couples of day I called them again and again .they seems not to give us a satisfactory responses that is why i am filing this complain
06/09/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	NC 28277	Web
2009 when unemployment rates were in the XXXX digits Sessoms and Rogers a attorney debt collector capitalized on consumers who lost their jobs and had charged off debt. They will not settle for anything over 75 % of the debt plus interest added back from your last payment. So XXXX dollars becomes XXXX overnight. They sent the Sherriff to my door XXXX times even after I filled out and filed the paperwork to document XXXX assets. I did not even have furniture in my apt . Now that I am making payments and have been for over 1.5 years they file a current collection on my credit like it is brand new. These debts were over 3 years old when the Sherriff came to my door. I should have never set up a payment plan. What they did was pure harassment and unethical
03/16/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NC 28328	Web	Servicemember
I sent the the attorneys, Sessoms & Rogers, PA, the firm that is representing XXXX requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe XXXX. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.
01/24/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27614	Web
Requested validation of this bill, received statements and contract between XXXX and XXXX funding. Received a letter from attorney stating that They did not have to give me a signature on anything and turned around and filed with my local court a Civil Summons. I am trying to get the validation on this account. I have tried to dispute online with DMV funding also by now I dont believe that the attorneys are correct in telling me they do not have to produce my signature on a contract I need for the consumer financial protection bureau to intercede for me, and correct this matter.
02/01/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NC 287XX	Web	Older American
I signed up with XXXX about 3 years ago to pay off my XXXX credit card. They took {$210.00} a month out of my checking a/c for 30 months - which is what they told me would satisfy my account. I have paid all of that six months or so ago. XXXX has given my {$12000.00} balance to a debt collection agency. They have sent me a notice to go to court XX/XX/XXXX. I have been trying for several months to speak with someone at XXXX. I have not been able to speak with a real person. I do n't know what their plans are for my {$6500.00}.
07/12/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NC 279XX	Web
I was a truck driver but now im on XXXX due to my XXXX XXXX and Sessoms and Roger are trying to take me to court for a credit card debt. I have had a lot of trouble out of this company before. they were trying to take me to court once before and the company that has it now are still calling me and the debt is from 2007. I have papers now that Sessoms and Roger are about to take me to court for. a letter has been send to them stating I am on XXXX.
01/10/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 283XX	Web	Servicemember
sessoms and rogers and XXXX XXXX XXXXXXXX are trying to sue me for an old credit card debt. i already explained to sessoms and rogers and XXXX XXXX XXXX that i will not pay this debt. XXXX XXXX XXXX will not answer their phones for me to even communicate to them about this debt. i am a XXXX veteran so there is no way for me to pay anything because i do not work. so good luck trying to get money from me not owed
09/17/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 27587	Web	Older American
On XX/XX/2021 I a arbitrator that had formerly worked with XXXX XXXX XXXX presided over a hearing between myself and a law firm that is trying to collect debt that i owed to XXXX XXXX XXXX. The arbitrator agreed to be neutral in his renderings. I did not have a lawyer and the law firm was granted the award on the time barred debt. The law firm is threatening to add a second judgment to my credit report.
12/05/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 27540	Web
Sessoms & Rogers, P.A., lawyers are trying to file a judgment on a debt that is not collectable. I have included the XXXX screen shot showing the judgment was satisfied. I have included the letter sent XX/XX/2017 from Sessoms & Rogers , P.A . lawyers showing the matching case number of the judgment referenced in XXXX screen shot and the notice of exemptions/motion to claim exempt properties.
06/13/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NC 279XX	Web
I XXXX XXXX had a XXXX credit card and I fell back in 2016 and broke my ankle and I was out of work for a long period of time and I am now getting SSA from the government / social security and I have a company that is taking me to court for this debt. they threaten to make me pay XXXX that I do not believe I owe and I now have court paper were they are taking me to court.
06/16/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NC 27292	Web
XXXX is trying to sue me for a debt that the sol in NC has run out it run out XX/XX/XXXX i do n't have a contract with them these people do n't stop look i just had my XXXX took off and recovering from XXXX XXXX now they saying i have to be in court XX/XX/XXXX police have n't gave me anything please help me thank you XXXX
11/06/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 27701	Web
I received received a summons from a collection agency regarding a very old auto debt from XX/XX/2004. I believe that this collection agency is unfounded in filing the summons, as the statute of limitations for collections in the state of NC is three years, and this debt is now fourteen years old.
08/10/2022	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC XXXXX	Web	Servicemember
trying to make a payment to sessoms and rogers lawfirm. they told me something along the lines that they cant discuss anything over the phone and that they will send a letter out to me. then i called back and got no answer. it keeps going straight to voicemail.
04/24/2020	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	NC 285XX	Web	Older American
Recived a notice from Sessoms and Rogers PA ON THE BEHALF OF XXXX XXXX XXXX about an old debt for a balance of {$520.00} It has brought a lawsuit against me to collect on this debt. IT is an notice of intent to file legal action in XXXX County District Court.
04/12/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	NC 28081	Web	Older American
A legal firm that represents the credit card company has served me papers thru the sheriff 's department notifying my right to have exemptions designated. I 'm guessing as payment. Is n't there a statute of limitations for credit card debt?
11/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29720	Web
I received a letter from Sessoms & Roger 's, P A dated XX/XX/2022 saying I owe a debt.
09/02/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NC 28104	Web
they keep sending me collection that are not mine
02/07/2024	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NC 27525	Web

01/09/2024	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NC 27525	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27265	Web

10/26/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 279XX	Web

08/24/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28546	Web	Servicemember

07/28/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 279XX	Web

07/14/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 279XX	Web

04/10/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NC 28269	Web

02/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27834	Phone

02/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28208	Web

10/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28216	Web

07/12/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	NY 11420	Web

02/06/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28785	Web

11/13/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28590	Web

11/13/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NC 28677	Web

07/20/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 27935	Web

06/08/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 27610	Web

11/24/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 28358	Web

10/03/2017	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	NC 28215	Referral

03/17/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NC 28906	Web

11/28/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	NC 28273	Web

09/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 28722	Referral

05/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 28468	Referral

10/15/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NC 28215	Postal mail

06/08/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NC 27614	Web

01/23/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	NC 27587	Web

10/10/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NC 28314	Postal mail	Older American

08/11/2014	Yes	Credit card	Arbitration	NC 28305	Web

07/16/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28152	Web	Servicemember

06/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	NC 27214	Postal mail

06/09/2014	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Seized/Attempted to seize property	NC 27349	Phone	Servicemember

05/14/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NC 27545	Web

05/06/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NC 28081	Web

04/21/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NC 27265	Web

04/18/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NC 27265	Referral

03/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NC 27858	Referral

02/25/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NC 28052	Web	Servicemember

02/24/2014	Yes	Debt collection Mortgage	Communication tactics Threatened to take legal action	NC 27529	Postal mail

01/17/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	GA 30041	Web

10/31/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28106	Web

09/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 28776	Referral

09/05/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NC 27616	Web