Smith Debnam Narron Drake Saintsing & Myers LLP CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/31/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 28411	Web
If XXXX or SmithDebnam does not remove this account form my credit bureaus immediately, I am reporting SmithDebnam to the XXXX XXXX XXXX and the XXXX XXXX on Tuesday, last warning. You have violated my rights and maliciously furnished false data to my credit reports and you are on notice : Tuesday XX/XX/XXXX will be the day that I file complaints with those other agencies for your violations against me. XXXX XXXX is falsifying Information to the CFPB regarding a major complaint I am trying to get them to answer to. XXXX violates my rights along with their attorneys, SmithDebnam, when they sent to me recently a demand letter asking for more money than what is allegedly I owe as you can see on your records. Please monitor this complaint as XXXX or SmithDebnam has responded to this serious violation. This is a copy of other complaints, you will see they have no answered to this unlawful violation. XXXX conspired with their personal collection agency, a collection agency that fakes their image As a law firm to scare consumers, sent me a threatening letter recently asking for more than {$1000.00} and wont respond to this complaint or tags it as a duplicate, this is depriving my rights to due process by falsifying data to CFPB I have no fair chance to be successful in a dispute. This is illegal Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX RE : XXXX XXXX account ending in XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear XXXX XXXX : We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure that your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at XXXX. According to our records, weve previously addressed your concerns, regarding prior collection efforts on your account and the accuracy of the reporting to the credit bureau. As previously advised, our position remains that you are liable for the above referenced account, and we confirmed the account is being reported accurately to the credit bureaus as a charged off account. Regarding your concerns with Smith Debnam Narron Drake Saintsing & Myers , LLP and the amount that is to be collected, since your account is currently placed with them for the continued collection efforts on our behalf, we encourage you to contact XXXX XXXX who is with the firm at ( XXXX ) XXXX. We feel many of your concerns can be resolved by speaking with them directly. Regarding the marking of CFPB cases as duplicates, as we have addressed your concerns on multiple occasions, we will direct you to the previous CFPB case number as reference where this was previously addressed. Since we have addressed your concerns, until any new information is provided, further communication regarding this matter may not be acknowledged or receive a response. Thank you for allowing me the opportunity to address your concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CFPB This is not a duplicate. A copy Of this is being faxed to a supervisor with CFPB. We finally caught the customer advocate lying on his responses to the CFPB! I field a complaint XXXX And in that complaint I stated this : XXXX conspired XXXX their personal collection agency, a collection agency that fakes their image As a law firm to scare consumers, sent me a threatening letter recently asking for more than {$1000.00} and wont respond to this complaint or tags it as a duplicate, this is depriving my rights to due process by falsifying data to CFPB I have no fair chance to be successful in a dispute. This is illegal And the customer advocate at discover I will find his name the crook didnt list his name here because he knows he is lying when he closed out this complaint by stating it was a duplicate. He also states below that the latest complaint, the one he just lied and closed out also references these complaint numbers, I will his responses in order below for the following complaints so you can see that he lied. ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX! Read his response here and you will see this is Not a duplicate. Reas their response - Deceptive Trade Practices! Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX RE : XXXX card account ending in XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear XXXX XXXX : We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure that your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at XXXX. According to our records, weve previously addressed your concerns, regarding prior collection efforts on your account and the accuracy of the reporting to the credit bureau. As previously advised, our position remains that you are liable for the above referenced account, and we confirmed the account is being reported accurately to the credit bureaus as a charged off account. Regarding your concerns with Smith Debnam Narron Drake Saintsing & Myers , LLP and the amount that is to be collected, since your account is currently placed with them for the continued collection efforts on our behalf, we encourage you to contact XXXX XXXX who is with the firm at ( XXXX ) XXXX. We feel many of your concerns can be resolved by speaking with them directly. Regarding the marking of CFPB cases as duplicates, as we have addressed your concerns on multiple occasions, we will direct you to the previous CFPB case number as reference where this was previously addressed. Since we have addressed your concerns, until any new information is provided, further communication regarding this matter XXXX not be acknowledged or receive a response. Thank you for allowing me the opportunity to address your concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CFPB This is not a duplicate. XXXX Has perjured themselves 6 times and the proof Above and each respective complaint number. I would like an investigation into why and how there were 6 complaints and nobody has taken action when it is clear they perjured themselves. They have falsified information 6 separate times thus violating my rights to due process of each separate complaint because they deprived me of the opportunity to prevail in each false response and that is deceptive trade practices and the statutory fine is {$1000.00} per incident and there are 6 thus far so I respectfully request that that {$6000.00} be dispersed to me per law and since it is behind a per ponderousness of a doubt and absolutely a fact that they willfully violated my rights each and everytime and they were deceotv The original complaint as listed again below, shows clearly and simple what my complaint is and XXXX is concealing and trying to skirt the complaint thus perjuring themselves in lying and providing false information to the CFPB web portal.
01/14/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 28411	Web
Date : XX/XX/XXXX To : XXXX XXXX & SmithDebnam Re : Fair Debt Collection Practices Act Violation As amended by Public Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) and as a public service, the staff of the Federal Trade Commission ( FTC ) has provided us consumers the following text ( Excerpts ) of the Fair Debt Collection Practices Act XXXX. XXXX. Unfair practices A debt collector XXXX not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. XXXX XXXX and their attorneys violated my rights regarding an unlawful letter that was mailed to me by XXXX XXXX Attorney containing content that was untrue and unlawful and a direct violation of 15 U.S. Code 1692e - False or misleading representations. I have made several complaints regarding this and now I am hiring an attorney because it has devastated me and caused me mental anguish ever since I received a letter from the creditors ( XXXX XXXX ) Attorneys ( SmithDebnam ) dated XX/XX/XXXX. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount the attorneys were asking which is not nor has it ever been consistent with what XXXX XXXX has confirmed multiple times that I allegedly owe. SmithDebnam XXXX me when I received a letter from attorneys at law and demanding payment of {$3400.00} which is over and more than the amount that XXXX XXXX has stated and confirmed multiple times through many disputes of the amount that I allegedly owe XXXX XXXX is in fact {$2300.00}, nothing more or nothing less. This is a direct violation of 15 U.S. Code 1692e - False or misleading representations, a federal violation. The actions of XXXX XXXX and their attorneys Smith Debnam also violated XXXX XXXX laws with the same unlawful action, XXXX XXXX XXXX. XXXX Deceptive representation No debt collector shall collect or attempt to collect a debt or obtain information concerning a consumer by any fraudulent, deceptive or misleading representation. Such representations include, but are not limited to, the following : ( XXXX ) Falsely representing the character, extent, or amount of a debt against a consumer or of its status in any legal proceeding ; falsely representing that the collector is in any way connected with any agency of the federal, XXXX or local government ; or falsely representing the creditor 's rights or intentions. I would like you to respond as to your position and what you propose as a remedy to these violations prior to me turning this entire nightmare you have put me through over to a FDCPA lawyer and filing a complaint with the XXXX XXXX XXXX XXXX outlining the specific charges I feel you have violated. XXXXXXXX XXXX XXXX XXXX XXXX XXXX
01/04/2017	Yes	Debt collection Auto	False statements or representation Indicated shouldn't respond to lawsuit	FL 33617	Web	Servicemember
I was XXXX XX/XX/XXXX and I received an email XX/XX/XXXX that my Clearance was being Adjudicated, on XX/XX/XXXX a list of the accounts was provided from my POC and I then learned one of the accounts involving a XXXX XXXX Account that had been reported as Charged Off by the Credit Reporting Agency. I was sent a picture of a Collection letter that was sent to my children 's home in XXXX NC, I called the Law Office on XX/XX/XXXX and explained that I was currently XXXX and had disputed the account with XXXX XXXX because I had requested that the account be adjusted for charges and fees paid in violation of the SCRA over the 5 year period I had been XXXX. I had been XXXX a few times during that time and had know idea that the account had be charged off or placed into collections, I also stated that I was very willing to pay the account in full, once the charges were adjusted according to the SCRA 6 % Limitations, and that last thing I wanted was for this to become a court case. She told me that the case was placed with the firms office, and they had n't contacted anyone about the account and as long as I was willing to work with them to get it paid, it would n't be filed in a court action. I had been calling the law firm office and was still waiting to hear back about the adjustments, but it was the XXXX holiday and I had n't been able to reach anyone for almost 3 weeks when a Default Judgement was mailed to the North Carolina address XX/XX/XXXX. I was never told that a Complaint was filed and the only thing in the mail was a Motion for a Default Judgement without a hearing, there was n't a Complaint Filed that I can see and I did n't want to call the collection agency back after I realized that they had just been stalling me about the adjustments to the account. The judgement has been placed on my credit report by the Court, I thought that they had been notified about my XXXX and that I did n't reside in North Carolina, but a Clerk of Court through the documents filed with the Court on XX/XX/XXXX away. I do n't think contacting the Court myself will help, and even a Attorney would be seen as my representative, and could give the Court jurisdiction. I ca n't afford a Attorney and I do n't trust the law firm who deceived me last year, so I 'm hoping contacting them through the CFPB will make sure I 'm not blocked by a Clerk and a Judge can Vacate the Judgement or Dismiss it. I 'm afraid this Attorney will drain my bank account or something else, she has been sending letter to the house in XXXX and threatening my family. I feel like I do n't have any way to stop this attorney from harassing my family except paying them, I do n't see why they did n't just let me pay XXXX XXXX XX/XX/XXXX, is n't that what a Collection Agency does? I will not have any further contact with this firm.
03/17/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	NC 28269	Web
VOLATIONS Federal Reserve Act Section 16. Note Issues 1. Issuance of Federal Reserve notes ; nature of obligation ; where redeemable Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington , District of Columbia, or at any Federal Reserve bank. [ 12 USC 411. As amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). For redemption of Federal reserve notes whose bank of issue can not be identified, see act of XX/XX/XXXX. ] 2. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section XXXX, XXXX, XXXX, or XXXX of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks.
01/09/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 28411	Web
The North Carolina Bar Association accepted my complaint and entered it into record and assigned the complaint for investigation and have initiated an investigation into the violation that an in fact attorney - acting as a debt collector violated my rights when the law firm - XXXX XXXX - through a NC board certified attorney, company staff, XXXX XXXX XXXX, Attorney violated my rights when a Letter was delivered to me through the U.S. Mail signed by the same attorney listed above - violated the Fair Debt collections practices act when the letter contained a demand for monies allegedly owed by me and that the amount the law firm and attorney for XXXX XXXX, by the content signed by her, was in fact more - over and above the amount that their client XXXX XXXX, has attested in dozens of complaints where XXXX Card has stated multiple times through their own validation of the debt amount which is and always has been {$2300.00} as indicated on an attached document with this complaint. The attorney, the law firm of her employment, and their client as a whole violated my rights and FDCPA, XXXX laws when they attempted to collect {$1100.00} more than the reported amount by their own client, XXXX XXXX. Federal and state laws have been violated by the attorney, firm, and XXXX XXXX clearly and indisputably along with my rights being violated under both NC General Statutes and Federal law- and are both have Statutory fines that I am entitled to. {$1000.00} for the Federal violation and {$4000.00} for the NC state violations- Also, XXXX XXXX falsely reported to the credit bureaus that I had made three satisfactory monthly payments, three months in a row and was in fact deceptive in this false reporting to the credit Bureaus of this charged off account in an attempt to reset the 7 year collections rule x, all regarding this one XXXX XXXX charged off account - when in fact I never paid any months payments to charged off account. 15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or
03/31/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web	Servicemember
In XXXX XXXX XXXX Card sent me notification via mail and phone that I was delinquent on a my XXXX card and that I owed them {$9500.00} which I disputed and asked them for proof that this was my loan. XXXX never provided any such documentation. The XXXX hard I did have was closed with the highest balance being {$5600.00} to the best of my recollection. I pulled my credit report and did see the closed account, and also the account discover was referencing. XXXX never provided me with any contract or proof this was indeed my debt, but they did add it to my credit report. In late XXXX I was issued a court summons, XXXX using a private debt collection firm called XXXX and XXXX was suing me for the debit. I filed a sworn statement of denial of the debt, and asked the court to dismiss the case. While waiting for the date, XXXX and XXXX filed a motion for summary Judgement. In my response I stated this was not my debt again. When I appeared in court the attorney representing XXXX called me into a room where she tried to coerce me into paying the debt. When I refused, it went before the XXXX. The judge was angry at a previous case and read over mine, said I do not see any denial here and ruled in XXXX and XXXX XXXX favor. Over the last 8 years I have been sent repeated letters threatening action, and attempting to get me to pay for the debt. I have been unable to refinance my home, or do many normal credit related things, including help my aging mom a home recently, Also over the last 8 years as my credit began to improve XXXX card began sending me pre approved credit offers to attempt to get me further into debt. The entire time they were sending letters to collect a debt on a fraudulent judgement against me and my only home. I saved over 17 pre approved credit offers from XXXX card, and have 2 of the debt collection letters one from XXXX and one from XXXX. The credit offers are from various years and some were never opened. All addressed to me offering me " XXXX percent rates '' and " Earn Miles ''. Some of the offers are even personalized inside, addressing me by name saying how XXXX wants to help me. All the while they have a fraudulent Judgement against me, for an amount I never owed, that is preventing me from living my life and helping my family, We are trapped HELP PLEASE Amount XXXX and XXXX / XXXX say I owe is : XXXX for account ending in XXXX. Original Judgement for XXXX ( not my debt ).
07/30/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NC 28314	Web
This is a follow up to the complaint that I filed on Monday XX/XX/XXXX. It seems that XXXX /Smith XXXX Debnam XXXX Narron XXXX Drake XXXX Saintsing & Myers XXXX LLP. has filed a Judgement against me as a form of spite, retaliation, and retribution as a result of the complaint that I filed with CFPB a few months ago against them for excessive calling on my home phone and cell phones. I feel my rights have been violated ... my Freedom of Speech for one. It seems like when the citizens or consumers speaks out, the business lashes out ...??? Why filed a Judgement against me when XXXX has known that XXXX XXXX XXXX has been communicating with them since XX/XX/XXXX??? A few days ago, an XXXX XXXX from Executive Office of Customer Advocacy within XXXX sent me an email stating that XXXX would be investigating my concerns from the previous complaint that I filed on XX/XX/XXXX and would send me a detailed response upon completion of the investigation. This tells me that XXXX is unsure of the actions and business practices it has done in this matter ...??? How often does a business calibrate itself ... when something is out of tolerance ...??? Well, I 'm not going to " tolerant '' the actions of XXXX and XXXX ... I have written a letter to the President of the United States of America at the White House. I have explained to him in writing about this situation and included a copy of the Judgement against me by XXXX, filed by XXXX XXXX ... I want the President to know what 's going on in the real world and the business world. I have requested help from anyone in his government on this matter ... I 'm waiting for his reply now. Also, I 'm writing to any state and government official that will hear me on this matter. I want the whole world to know how XXXX and XXXX have treated me over these last several months. I 'm requesting that the CFPB, the Federal Trade Commission, the FBI, and members of Congress investigate Discover/ Smith XXXX Debnam XXXX Narron XXXX Drake XXXX Saintsing, & Myers XXXX LLP for their actions and practices. Number 1, I would like to know who authorize the Judgement against me, Number 2, why? I should not be bullied, harassed, intimidated, and threatened because I want to get my debts consolidated, paid down, and paid off. I 've had to endure this for almost a year now! I put " All '' my trust in XXXX and HE will fight my battles for me!!!
02/09/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	SC 29730	Web
I received a letter of threat that I had 15 days from the date of a letter to pay a debt or they would file suit against me in court. The company then I called and they said I had 15 days to pay or they would send me a confession of judement in order to keep this out of court. I then told them I wanted all paperwork of verification sent to me and I would make a payment of I believe {$140.00} till I could see what this was about. I never received anything but a confession of judgement. I then set up a payment plan over the phone with them and sent the papers back. I emailed them and requested through many calls to get copies of the paperwork and bills to prove the amount. Still nothing. When my payment date came up I called to make a payment they denied me that opportunity said they never reeived the signed copy of the confession of judgement and then said they had already filed the lawsuit with the court. I said you never sent me anything in the mail or called to tell me you did n't get the paperwork. They said the only thing to do is sign a consent judgement. I then had the FTC on the phone with a recorded conversation of them dening me the option to pay. And also me requesting to have the verification documents sent to me. They still did nothing. I have yet to get any verification and they went ahead and said that I denied the service papers to the court when I was never served with papers at all. I sent them a consent to judgement because they threatened me numerous times on taking my paycheck which is only {$350.00} every 2 weeks. I have never receivec any proof of the amount owed on this debt and have around 10 emails asking for the proof and them responding. With what proof to you need. I said bills transactions. They told me that it was around XXXX pages but will not send anything. I was tricked into signing papers for consents and confessions by them and this was all in a 2 month time frame. I even sent them a 20th email stating that I will pay a settlememt of {$500.00} with proof of the debt they denied a settlkement offer. This company needs to be stopped.
12/28/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	SC 29681	Web
On Friday XXXX XXXX, I called Smith Debnam Attorneys at Law ( hereby referred to as " Agency '' ) and contacted XXXX XXXX ( hereby referred to as " Agent '' ) at extension XXXX. Per the letter sent by the Agency dated XXXX XXXX, 2016, where they state the amount owed on XXXX ( hereby referred to as " Creditor '' ) Account ending in XXXX to be {$2600.00} and in which the Agency states " Our client has authorized us to initiate a judicial proceeding against you. In an effort to avoid costs associated with litigation, our client has authorized us to give you an opportunity to settle this account without having to go to court '' if there was no response within 20 days of receiving the letter. I made this call to get more information about the alleged debt. During my call with XXXX XXXX I specifically asked what the original amount and date of the debt which was discharged from the creditor to their office, in which she stated the amount to be {$2600.00} and that it was received by their office on XXXX XXXX 2016. The amount she stated was the same as the one on the letter in reference. I told her I would be speaking with the original creditor to review my options and hung up. On XXXX XXXX I spoke with an account representative of the creditor, XXXX and revewing all correspondence regarding this account I confirmed that the amount the creditor released was {$2500.00} based on a letter I received from the creditor which is dated XXXX XXXX, 2016, and not the {$2600.00} XXXX XXXX " Confirmed ''. Therefore, the debt collection agent, and hence the agency have lied about the amount of the debt in what I believe to be an attempt to claim more than the original debt. There is no statement or evidence on any of the correspondence sent by the Agency or agent stating the reason for which the debt they claim is higher than that dischardged by the creditor. I am requesting the agency to send proof of the debt. Until I receive the letter of proof I ask that this matter be reviewed. Thank you for your time.
02/03/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NC 283XX	Web	Servicemember
Smith Debnam Narron Drake Saintsing & Myers, LLP sent me a notice date XX/XX/2023 for a debt I owe to XXXX XXXX XXXX XXXX. they attempted to do this first around XXXX of 2023 as well. Around that same time, I found out they they have negative reviews and people have a hard time communicating with them to get any help from them. So that is when i called them and left multiple voicemails and emails telling them not to contact me. I believe i also reported them to the nc doj. Here is is almost a year later, and they are sending me another lawsuit letter. this time something about default judgement entry or something. something about me not being incompetent or incapable, i guess of not being able to pay the debt. I get XXXX and va benefits. i have no wages for them to garner, nor do i have any money for them to go after and take that are eligible for that if they bring a judgement against me. here is the deal : i am a XXXX veteran. i spend time, lots of time at the va due to numerous XXXX XXXX and medical problems. i am on so many medications that i can barely function on a daily basis. so no, i did not respond to their summons they sent me about a year ago. i could not and was not able to. I thought i made that clear to them in voicemails and emails i sent them around that time. I had to go out of my way today and a couple of days ago to call their company to see if i could get this settled. i left two voicemails for two different people and an email and i have not received a response yet. i also have an attorney trying to work with them to get this matter cleared. i do not have time for this. if they want to settle this debt, i am more than happy to. but at least be professional and return my calls and emails. and dont assume you know my situation as a veteran with all these health issues and spending time at the va and in the va XXXX XXXX and going to my many va appointments that take precedence over going to your summons and responding to it.
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NC 28269	Web
Opportunity to cure LEGAL CONSTRUCTIVE CONSUMER FRAUD EXPOSED The FTCs Bureau of Consumer Protection stop unfair, deceptive, and fraudulent business practices by collecting reports from natural person consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating natural persons consumers and business about their rights and responsibilities. Consumers Fraud is a deliberate misrepresentation on which a banking business intends for natural person consumers to rely. Consumer fraud is a form of misrepresentation committed by beneficiary seller banks or financial institutions against a buyer or a group of buyers that are natural person investment companies to whom a banking business deliberately misrepresented any Social Security Number card thing with the intent that a natural ( fool ) person consumer will rely on the misrepresentation that a SSN is used for identity verification purposes, resulting in harm or loss to par value, at least to some natural person consumer who believes so. Consumer fraud is barred by statute and, unlike common-law fraud of agency undisclosed principal doctrine, in most jurisdictions is complete at the time of a deliberate misrepresentation of a SSN as identity or the commission of a deceitful and fraudulent practice. An action against a banking corporation or financial institution for consumer fraud does not require PROOF of reliance on the misrepresentation by or deception of a natural person consumer. Consumer fraud committed by a beneficiary seller Bank of collateral securities, such as bills or notes belonging to a natural person consumer, involved with interstate commerce is regulated by the Federal Trade Commission , Bureau of Consumer Protection that is authorized to stop fraudulent practices against SSN card holders.
03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC XXXXX	Web
LEGAL CONSTRUCTIVE CONSUMER FRAUD EXPOSED The FTCs Bureau of Consumer Protection stop unfair, deceptive, and fraudulent business practices by collecting reports from natural person consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating natural persons consumers and business about their rights and responsibilities. Consumers Fraud is a deliberate misrepresentation on which a banking business intends for natural person consumers to rely. Consumer fraud is a form of misrepresentation committed by beneficiary seller banks or financial institutions against a buyer or a group of buyers that are natural person investment companies to whom a banking business deliberately misrepresented any Social Security Number card thing with the intent that a natural ( fool ) person consumer will rely on the misrepresentation that a SSN is used for identity verification purposes, resulting in harm or loss to par value, at least to some natural person consumer who believes so. Consumer fraud is barred by statute and, unlike common-law fraud of agency undisclosed principal doctrine, in most jurisdictions is complete at the time of a deliberate misrepresentation of a SSN as identity or the commission of a deceitful and fraudulent practice. An action against a banking corporation or financial institution for consumer fraud does not require PROOF of reliance on the misrepresentation by or deception of a natural person consumer. Consumer fraud committed by a beneficiary seller Bank of collateral securities, such as bills or notes belonging to a natural person consumer, involved with interstate commerce is regulated by the Federal Trade Commission , Bureau of Consumer Protection that is authorized to stop fraudulent practices against SSN card holders.
10/04/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29649	Web
I am XXXX XXXX and I am submitting this complaint myself there is no third party involved. I am writing this complaint because Smith Debnam Law Firm continues to violate my rights as a consumer. On XX/XX/2022, I sent them a Cease and Desist and Debt Validation letter asking them to show proof that I owe this alleged debt and to stop violating my rights pursuant to Title 15 Chapter 41 Subsection 15 USC 1692. They continue to violate me by invading my privacy and providing abusive and unfair debt collection practices pursuant to 15 USC 1692c. They have yet to show proof or provide me with the documentation I have requested. I have received harassing letters from this law firm on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. After I have asked them to Cease all unfair communication. Pursuant to 15 USC 1692e ( 3 ) a debt collector may not use any false, deceptive or misleading representation in connection with the collection of a debt or imply that he or she is an attorney or that communication is from an attorney of which they are in direct violation. On XX/XX/2022, I sent a Cease and Desist letter disputing the validity of this alleged debt and demanded an audit trail and I have not received the documents. I asked for all documentary evidence of their claim but all they send are monthly statements that do not show where the charges and credits originated or when. They harassed me and abused me by coming to my home on Sunday, XX/XX/2022, at XXXX pm they served my husband paperwork in front of my neighbors and children. They have embarrassed me and used obscene language stating I owe this alleged debt. This firm has caused me so much mental stress by sending letters in the mail indicating they were from a debt collector.
02/05/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 28411	Web
This complaint covers 6 violations. This complaint covers 6 violations and disputes as listed. XXXX has violated the FDCPA laws multiple times in their collection efforts of a outstanding XXXX account in both their reporting of derogatory information on my credit files and in their collection techniques of this XXXX account XXXX Company and their Smith Debnam have conspired to harass me and impress me with many violations against North Carolina laws and Federal laws. XXXX. XXXX XXXX willfully and intentionally reported ghost payments to the credit bureaus three months in a row in a direct attempt to sabotage the time period of that account automatically dropping off of my credit files. See attached for evidence. XXXX. XXXX XXXX and their attorneys at Smith Debnam in North Carolina are harassing me sending me multiple letters with multiple amounts and will not leave me alone. XXXX. XXXX XXXX keeps removing account under dispute contrary to Federal laws And further claiming that they have resolved the issue which are false representations again! XXXX. I am filing complaints Again with multiple agencies tomorrow and seeking an FDCPA attorney to take action. XXXX. I dispute this account XXXX XXXX here and now # XXXX and will notify the credit bureaus if i feel it has been satisfactorily resolved. XXXX. I demand that XXXX XXXX and Smith Debnam quit harassing me about all of these different amounts and oppressing me as it is causing me to enter deep XXXX and mental anguish.
04/17/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	VA 22191	Web	Older American, Servicemember
I first explained to the office of Smith Debnam Narron Drake Saintsing & Myer, LLP my financial situation on XX/XX/XXXX. At that time, I had been XXXX free for two years, recovered from a 35-day Govt shutdown and a setback from COVID-19. On XX/XX/XXXX, I received a letter from Smith Debnam Narron Drake Saintsing & Myer, LLP, that they had tried to contact me and work with me, but they had not heard from me. Which is not true. I had just contacted them two weeks prior in writing. I had contacted the original creditor 8 times for XX/XX/XXXX XX/XX/XXXX. All those communications were forwarded to Smith Debnam Narron Drake Saintsing & Myer, LLP on XX/XX/XXXX, to say I was not communicating was just not true. The correspondence I sent on XX/XX/XXXX, was opened, and returned by their offices, On XX/XX/XXXX. I proposed a payment arrangement and sent a {$25.00} money order as a good faith jester. That money order was not returned. I assume it was cashed. I was expecting a written confirmation of acceptance of the arrangement or return of the payment with alternative terms. To the contrary they seized the funds without any notification. On XX/XX/XXXX, Smith Debnam Narron Drake Saintsing & Myer, LLP garnished my checking, savings, and an account that belong to my daughter in the amount of {$3000.00} without any notification. This garnishment left me with no money to pay other obligations. I would like the garnishment returned and a reasonable payment arrangement to be made in writing.
05/10/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 28269	Web
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Smith and Debnam for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The agency has been pursuing an alleged debt from 2007 that I disputed and despite my requests for validation, they have failed to provide proper documentation. I have previously requested that the debt collection agency provide me with written proof of the validity of the debt, including documentation that shows the original creditor, the amount of the debt, and any interest or fees that have been added. To date, they have not provided me with this documentation, and I am concerned that they are continuing to pursue collection activities without proper validation. I believe that this behavior is in violation of my rights under the FCRA and other applicable laws. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the debt collection agency complies with all applicable laws and regulations. Specifically, I am requesting that the agency cease all collection activities related to this debt until they can provide proper validation. I am also requesting that any negative reporting related to this debt be removed from my credit report until the debt can be properly validated. I appreciate your attention to this matter and look forward to your response. Thank you for your time.
07/27/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NC 28314	Web
The is at the least the XXXX complaint that I 'm filing against Smith Debnam Narron Drake Saintsing & Myers, LLP and XXXX within the last several months. I have been harassed and threaten for almost a year now with emails, phone calls, letters, and now a legal Judgement. XXXX XXXX XXXX has been consolidating and resolving XXXX debts for me starting in XXXX of 2014. Over 60 % of the debts have been resolved and I 'm waiting on the remainder to be resolved. But all XXXX has done is harass and threaten me since XXXX XXXX XXXX has been consolidating and resolving my debts. My rights have been violated and I want Smith Debnam, Narron, Drake, Saintsing, & Myers, LLP, and XXXX investigated by your agency and the FBI. They seem to be doing the same thing that your agency caught XXXX doing..? There is something illegal going on with XXXX 's practices and I would like for the Federal government to investigate all the parties previously mentioned. I 'm writing to the President of the United States, the U.S. Congress, the FBI, the Federal Trade Commission, the Governor of North Carolina, and the Governor of Ohio about XXXX and their practices ... I have already started writing. I 'm sending the copies of the Judgement to the White House and others mentioned ... and to as many media outlets as possible to tell the public what XXXX has done to me and possibly many others.
07/22/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NC 283XX	Web	Older American, Servicemember
Due to covid 19 we did what we thought was the right thing to do, that was turn in vehicle a XXXX we could not continue to pay on. After this XXXX XXXX XXXX hired Smith Debnam law firm to collect the amount they did not sell the vehicle for which they sold not at fair market value. I called the law frim to set up payments, they did not agree to payments. I sent a payment of {$500.00} dollars in an attemp to strat to pay some funds back. YET I did not here back from the law firm and the law firm took out a judgement against me. Now the same law frim as threatened to take out a Writ of Execution. IM a 100 percent XXXX veteran and now only have that income from the federal Veterans Administration. I have no big bank account funds, i have no real property. I told the law firm company that I XXXX XXXX DOB : XX/XX/1955 would pay XXXX as i could to pay off the debt that should have been settled by the sell of the new vehicle. I have no funds for to hire a law frim to counter act all this hard ball actions from Smith Debnam law firm, they have had several complaints against them in the past years, both in state and federal court.
05/15/2023	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	NC 28269	Web
The company are fraudulently and consistently and willingly and willfully trying to collect fraudulently, Without first-hand knowledge they have sent a letter stating notice of hearing motion for summary judgment for {$41000.00} on XX/XX/2023 now for this amount of money that they're requesting a summary judgment on at the time of receiving the letter I fear for my life being that amount of money is a contract hit, Because if there's no one there at the hearing they automatically win XXXX so therefore I fear for my life, and after they take my life they will be successful and winning so I truly fear for my life and my family members lives they are going to any extent to try to collect credits from the United States at whatever cost as I have tried to resolve in good faith with them over and over and over they have ignored everything and anything that I have presented in good faith. They also don't have any firsthand knowledge they are just trying to kill and steal. So I really do fear for my lies for they have tried multiple* attempts.
08/01/2019	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 27609	Web
After the law firm aggressively pursued our family over a lawsuit initiated by my estranged Mother, it appears that this law firm has also purchased some of my debt and are now also trying to threaten me with a law suit to recover it. In the letter they advise that they have been retained by XXXX XXXX to collect its claim against me for the balance due on my XXXX XXXX Credit Card, and utilize on behalf of our client in a second letter - however when I called XXXX to discuss this with them, they advised that they can not discuss it as the debt was actually purchased by the firm. Therefore the law firm are threatening me with a law suit, acting as though they are being instructed to by XXXX, when in fact they are a debt collector who purchased this debt from XXXX and it has nothing to do with them any more. With the history of the family-based lawsuit, it seems very unethical for the law firm to now try and threaten me with legal action over this debt, and to act as though they represent XXXX.
06/05/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 27612	Web
On XX/XX/XXXXaround XXXX XXXX I heard a very loud and aggressive banging at my door. I did not see a car parked in my driveway nor across the street. I asked who was at the door and what they wanted. The individual said she was from the sheriffs office and when I opened the door, the officer hid on the side of the house and then proceeded to hand me the paperwork. She did not ask for my ID and she signed off on the document. This debt is from XX/XX/XXXXthat I was paying on regularly until XXXX. I had to use this card to pay for my mother funeral in XXXX. I have not been gainfully employed since XX/XX/XXXXuntil XX/XX/XXXXand I am now only working part time. I am not looking for compassion but the tactics were aggressive and unwarranted especially for someone like me that suffers from XXXX with documentation to support that. I have submitted an Answer Document to the law firm : XXXX XXXX and XXXX XXXX XXXX, NC but have not been able to speak to an actual person.
07/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28658	Web	Servicemember
Someone from XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX forged my signature as a Principal Obligor to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XXXX XX/XX/XXXX. XXXX XXXX XXXX filed a reckless lawsuit against me on XXXX XX/XX/XXXX for {$46000.00} ( see attached ). I formally communicated with XXXX XXXX XXXX on XXXX XX/XX/XXXX ( see attached ) that I have never been to the XXXX XXXX XXXX and that it was not my signature as the Principal Obligor. They proceeded with the lawsuit despite my denial and no real proof that it was my signature. Apparently the XXXX XXXX, XXXX Court ruled in favor of XXXX XXXX XXXX. I never received any notification of a judgement. My wife received a letter this week from a law firm retained by XXXX XXXX XXXX to collect {$74000.00}. I am currently XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, and my wife is going to send me a scanned copy of the recent letter tomorrow.
08/25/2021	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27127	Web
I was served a summons ( judgement ) from Smith Debnam Narron Drake Saintsing & Myers, LLP on XX/XX/XXXX. Notice of rights was served to me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I sent paperwork to them that was needed. I contacted a law firm and they stated that my amount was different on my " File No '' than what the Judgment Creditor was stating in XXXX of XXXX. The creditor stated I owed over {$28000.00} to XXXX XXXX XXXX. My case as of XX/XX/XXXX stated I owed with interest, since XXXX, in the amount of {$19000.00}. This creditor is in a violation of FDCPA, they are harassing me with the threat to get me to pay and they don't follow through with the execution. They keep harassing me with notice of rights which was served 3 times in one year ( noted above ). Second violation is they want me to pay a higher quote balance than what shows on the court system. I want them to stop contacting me..
04/30/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NC 28269	Web
The company are fraudulently and consistently and willingly and willfully trying to collect fraudulently, Without first-hand knowledge they have sent a letter stating notice of hearing motion for summary judgment for {$43000.00} on XX/XX/2023 at XXXX XXXX via web X now for this amount of money that they're requesting a summary judgment on at the time of receiving the letter I fear for my life being that amount of money is a contract hit, Because if there's no one there at the hearing they automatically win so therefore I fear for my life that after they take my life they will be successful and winning so I truly fear for my life and my family members lives they are going to any extent to try to collect at whatever cost as I have tried to resolve in good faith with them over and over and over they have ignored everything and anything that I have presented in good faith.
10/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 27613	Web	Servicemember
I informed Smith Debnar Drake Saintsing & Meyers LLP That XXXX lied through their teeth. I had an agreement with them. I even had a XXXX XXXX scream at me over the phone. I refused to give them access to my bank account after they went in and caused over drafts fees WITHOUT PERMISSION. Other retired employees have had the same thing happen to them. They owe me {$71.00} for those fees and the hassle and stress with dealing with their employees. They cashed the checks fainal payment and paid in full. Now I don't owe {$3300.00}. Good luck you can't get blood from a stone. I barely make it as it is and we are looking at being homeless as of the XXXX of this month. XXXX charged higher fees because of my zip codes. I did not live in a wealthy suburb and got charged for it. May they and their lawyers get flat lined in the economy and have no bailouts.,
02/04/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NC 28278	Web
I was attempting to settle a debt with Smith Debnam. I talked with XXXX on XXXX separate occasions for pay off. The first time it was {$2700.00} about XXXX weeks ago. Then I contacted XXXX again 3 weeks ago and he said it was {$2800.00} ( interest added ). I was waiting to get closer to when I could pay this debt, so I called XXXX XXXX. XXXX explained to me the debt was now {$11000.00}. Apparently what happened was the bank i was working with called Smith Debnam to get a payoff. Smith Debnam then realized more money could be available, so they changed my payoff to {$11000.00}. My problem is the loan will not be approved know because I do not have enough equity to pay the additional {$9000.00} needed for the loan to go thru. They also asked to see my Loan Estimate and Closing disclosure ... .and they would consider reducing the amount.
01/28/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	SC 29730	Web
I have a judge, ent on my from a law company that for one never gave me an infoormaton on the debt but filed a lawsuit against me without any papers being sent to me. Only after the judgement was filed they sent me the information. On top of that they forced me or tricked me into signing or sending in paperwork for the judgement stating that I have ran out of time their collection of this debt has been shad since day one. I have been payng on the debt for months now and I get a letter today stating legal action will be filed against me if I do not contact them within 15 days. I have sent them throughout the past few months 4 emails that the continue to ignore. I have been paying atleast {$10.00} on the account every month if not more depends on what I can afford. I am tired of being bullied by them and harassed.
01/18/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 28411	Web
XXXX had their lawyer send me a letter demanding over {$1000.00} more than what has been reported by XXXX And had falsified responses to this CFPa. This is an extreme liability violation. You both violated the FDCPA- I warned you and you had a chance to remedy- I am turning this over to a FDCPA lawyer on Friday at XXXX unless you want to suggest a remedy. You may call me at XXXX up til Friday to offer your remedy to these violations- suit yourself - you need to follow the laws XXXX XXXX XXXX XXXX XXXX. - and Friday XX/XX/2023 at XXXX I am also filing a complaint with the NC Department of Justice- you violated both North Carolina law and Federal law. Friday XX/XX/2023 at XXXX is the cutoff for contacting me to remedy your violations. Follow the laws. .
02/03/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	NC 28269	Web
15 USC 6802 : Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option
06/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27502	Web
I fell behind on HOA payments for several months. I made multiple due diligence payments towards the past due balance. My account was sent to a 3rd party collection agency ( attorney 's office ) without notification in XX/XX/2016. The bulk of balance due ( XXXX ) was late/legal fees. I never heard from the HOA company or the 3rd party collection agency or had an opportunity to dispute the fees. Once I realized the account was sent to a 3rd party collection agency, I made payment for the full balance due, directly to the 3rd party agency. Although the debt was paid in full on XX/XX/XXXX, the past due balance has not been removed from my account and it still remains in " legal '' status. Additionally ... .late fees continue to be accrued.
07/02/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29710	Web
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. Thank you for your consideration in this matter.
12/30/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 28411	Web
If SmithDebnam does not answer to this complaint honestly and truthfully, or deceptively do not answer to this factual allegation, I will report you to the NC XXXX XXXX, SmithDebnam, a lawyer, tried to collect the wrong amount over and above ( XXXX ) what XXXX have been trying to collect ( {$23000.00} ) unlawfully and had their lawyer send me a letter that was unlawful. This is illegal and they have violated my rights! It is clear that they have been reporting one amount to the credit bureaus, and another amount they had their lawyer send me a debt letter demanding money that is over XXXX more than what they originally have been posting! SmithDebnam is out of control please help!
02/18/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NC 28269	Web	Servicemember
I had a XXXX card that has not had any activity before XXXX. A company sent me a court date for XX/XX/XXXX. I called them and told them that I only have social security and VA XXXX. They said not to worry about going to court or my money. They got a default judgment against me even though there is a 3 year statute for the last activity on the account. They sent me a letter in XXXX offering payment options and right after that, they sent letters saying they would seize my property. I went to the courthouse and copied my files. One of the papers said they got a judgment on XX/XX/XXXX. They never told me this. They seem very shady and unethical.
12/21/2022	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 28269	Web
Their collection company have created their own their own file trying to collect fraudulently pretending to be someone else are representing a company that have given them or have sold them a debt and now they are administrating it like if it's been held in 18 Code U.S. 1581-Peonage obstructing if though they own a slave now. they are also violating the fair debt collection practice act by sending misleading and threatening male do the post office system.
03/13/2023	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 28025	Web
I am currently going through a Federal Case in the XXXX XXXX XXXX North Carolina. XXXX XXXX has broken a plethora of Federal laws stated below under the FCRA & FDCPA. They have now shared my personal information with an " attorney '' which is violating my consumer rights. XXXX XXXX XXXX has violated the FDCPA on many counts in there " agreement '' provided below. Please help me with the proper enforcement of law against the tyrannical corporations
03/22/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NC 28205	Web
I am being accused of having a XXXX Card debt that I did n't pay off, so XXXX has turned over the account to another company ; Smith Debnam Narron Drake Saintsing & Myers LLP to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!
04/30/2022	No	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 283XX	Web	Servicemember
Smith Debnam Narron Drake Saintsing & Myers , LLP trying to collect an old debt. i called the original debt collector aka original creditor today and i am going to work out a payment plan. Smith Debnam Narron Drake Saintsing & Myers , LLP is a very nasty and bad company with rude customer service. i will not be paying them. they are shady and that is why i am trying to work out something with the original creditor on monday.
01/05/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	NC 28269	Web
There have been repeated assignments and violations the fair debt collection practice the Fair Credit Reporting Act and stop using the street name XXXX XXXX. This is a debt collection company, and they will do and say anything in order to collect the debt they will not validate a debt by signing stating under the penalty of perjury that they are do anything for buying a debt that is XXXX of the violations.
08/01/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 270XX	Web	Servicemember
I am my wife 's caregiver. My wife is the victim of this harassment. This collection agency listed as a law firm, but really just a collection company affiliated with another who buys write-offs for pennies on the dollar and makes money from unfortunate consumers who experience hard times. They sent a threatening letter to my wife.
09/25/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28376	Web
They kept harassing me for months about alleged debt collections, from various numbers all times of the XXXX and XXXX. Also sent letters to addresses I do not stay nor did I approve or consent to my information being sold to solicitors to harass me and have my information.
09/03/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC XXXXX	Web	Older American, Servicemember
After checking my records, it appears that XXXX XXXX XXXX, XXXX. doubled me using my XXXX XXXX.
12/07/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 28645	Web

09/28/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28052	Phone

07/18/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NC 28081	Web	Older American, Servicemember

06/09/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28078	Web

05/10/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 28034	Web

02/17/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	NC 28269	Web

02/03/2023	Yes	Money transfer, virtual currency, or money service Money order	Confusing or misleading advertising or marketing	NC 28269	Web

01/20/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Unexpected or other fees	NC 28269	Web

06/21/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	VA 23454	Web

06/17/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NC 28273	Web

06/13/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NC 28384	Web	Servicemember

04/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Referral

07/29/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27408	Web	Servicemember

05/18/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 27408	Web	Servicemember

04/30/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NC 28655	Web

11/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28203	Web

10/20/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27713	Web

09/10/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 28655	Web

01/22/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NC 27896	Phone

09/04/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 28213	Web

08/30/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold		Phone	Older American

08/06/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NC 27703	Web

01/28/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 28306	Web	Servicemember

12/05/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	NC 28376	Web

09/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27040	Referral

06/08/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 28081	Phone

02/14/2018	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	SC XXXXX	Web	Older American, Servicemember

12/29/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	NC 28227	Web

12/18/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28306	Referral

12/08/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	NC 28227	Web

10/24/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27406	Referral

06/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28304	Web

03/29/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NC 28214	Phone

12/11/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	SC 29365	Web

09/17/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NC 28303	Web

06/07/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	SC 29410	Web	Servicemember

03/02/2016	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	FL 33559	Web	Servicemember

12/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 28441	Referral

11/17/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	SC 29732	Web

07/06/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	SC 29385	Web

04/20/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NC 28314	Web	Servicemember

03/02/2015	No	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	NC 27613	Web

02/23/2015	No	Credit card	Delinquent account	NC 28411	Web	Older American

12/29/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	NC 28718	Web