Stephen L. Bruce, P.C. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/13/2019	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	LA 71107	Web
XXXX XXXX XXXX XXXX present and former XXXX XXXX Attorney previous XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXXXXXX XXXX vs XXXX XXXX Case No. XXXX XXXX XXXX, File No. XXXX Balance Due : {$13000.00} I have been paying an amount of {$20.00} a month on a XXXX XXXX account taken over by XXXX XXXX original state XXXX since about XXXX in XXXX, XXXX. I moved to XXXX, XXXX in XXXX after resigning from XXXX XXXX in XXXX and a divorce in XX/XX/XXXX. I did not agree to terms of a credit limit over $ 10,000.00- {$20000.00}. Was faithfully making agree upon payments monthly with excellent credit. My credit was about {$3000.00} or so while in XXXX I continued to make payments of about {$51.00} or so a month, without a job given to me by my sister until I may find employment. The payments did stop before I could find employment. I did have a XXXX XXXX in XX/XX/XXXX after mothers death and custody of my son given to my now ex-husband. I was diagnosed and labeled XXXX with XXXX symptoms. I started to receive benefits from Social Security ( XXXX ) however before this took effect I was sued by XXXXXXXX XXXX did not attend court since I could not get counsel did not have assistance to do so. They gave me no opportunity for payment plan, but did later agree to the {$20.00} later after being sued having added an amount of about {$10000.00} or so to my debt owed to them. Corresponding with Attorney XXXX XXXX mentioned above. I have been making those agreed upon payments every since up until now XX/XX/XXXX previous I asked for the amount of how much I had paid they wrote back with about as I can somewhat remember {$2500.00} to {$3000.00} this was about a couple of years ago. The attorney I am now paying Stephen Bruce & Associates after they date XX/XX/XXXX is saying my balance is {$13000.00} and due now. Mailed by one of the lawyers of that firm XXXX XXXX XXXX, they previously wrote that I should give a phone number to be reached I did but they did not call. I sent {$50.00} from my Social Security Benefits that month instead of {$20.00}. They wrote again saying they are aware I have a job with XXXX XXXX in XXXX, XXXX and would garnish my check and if I would send and payment in the amount of {$250.00} no later than XX/XX/XXXX. I recently sent a money order of {$100.00} and told them I would send the rest on XX/XX/XXXX. Only since I do not want my check garnished I might possibly lose the Social Security Benefits since I must not go over a certain amount each month and I did. I have no other support except my job at XXXX and the benefits XXXX. There second letter is threatening and they are asked to reconsider by a letter written alone with the {$100.00} by me. I am not sure of my rights but did know they may garnish my check. I do not have a checking account since they did ask for it my check stub and last 2 pay period summary. I did not send those since like I said I would like to know my rights. The letter did say if they may set a payment agreement rather that the garnishing with my debt Visa from my job at XXXX XXXX XXXX, XXXX. I have been only working about 10 months. The had not every said they would garnish my Social Security XXXX benefits since I wonder about that as well. Is this legal procedure? The letter reads : Dear XXXX XXXX Our client has requested that your file be reviewed for garnishment of your wages with XXXX XXXX. If you do not wish for this process to move any further, you must forward a copy of your last two bank statements, your last two paycheck stubs, and an initial payment in the amount of {$250.00} to our office no later than XX/XX/XXXX. You must also contact our office to arrange to pay the remaining balance. If a garnishment is filed it could increase the amount you owe. Our client has requested that at the appropriate time, I proceed with legal action to collect the entire balance on this account without further notice to you. The letter is signed by XXXX XXXX XXXX, never dealt with before! May you please assist me concerning this office and XXXX XXXX. Thank You Very Much XXXX XXXX XXXX
10/30/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OK 73507	Web
I was involved in a car accident in XXXX of XXXX in which I suffered a XXXX XXXX Injury ( XXXX ). I had been reported to a collection agency in Oklahoma ( Stephen L. Bruce XXXX XXXX ) who refuses to follow the law. This company ignores the rights I have under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have sent multiple letters exercising my rights to ask for 1 ) dare of first delinquency and also when I missed my my first payment. 2 ) Statute of limitations may not validate the debt. 3 ) Copy of the original signed agreement and balance on the account from zero to present. 4 ) What is the account number of alleged debt? 5 ) When was the last payment made o this debt? 6 ) What was the credit limit of this account? 7 ) XXXX XXXX XXXX XXXX are trying to collect the wrong amount. 8 ) XXXX XXXX XXXX XXXX are asking me to pay more than what is owed. 9 ) XXXX XXXX and XXXX are trying to collect a debt that is not valid. 10 ) XXXX XXXX XXXX XXXX have not accurately verified & validated the debt. 11 ) XXXX XXXX XXXX XXXX information concerning this debt is inaccurate and must not be reported to the CRAs. In good faith I have offered an olive branch to XXXX XXXX XXXX XXXX to settle the debt because I have documentation of everything from my near fatal accident, medical history and official papers explaining how I am currently dealing with this stressful situations. I 've given official statements and paperwork from my neurologist to behavioral counselors and have expressed to this company ( XXXX XXXX XXXX XXXX ) that at the time of this application ( XXXX XXXX ) was being rendered that I was mentally impaired, incompetent and incapacitated. I continue to have difficulties and suffer from severe headaches, panic attacks and have also survived a suicide attempt. I have told XXXX XXXX XXXX XXXX that I have exhausted all of my time and energy asking them to leave me alone and to give me room to breathe so that I may be a productive citizen with the remaining time of my life.
10/30/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OK 73507	Web
I was involved in a XXXX accident in XX/XX/XXXX in which I suffered a XXXX. I had been reported to a collection agency in XXXX. ( XXXX XXXX XXXX XXXX XXXX ) who refuses to follow the law. This company ignores the rights I have under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have sent multiple letters exercising my rights to ask for 1 ) date of first first delinquency and also when I missed my first payment. 2 ) Statute of limitations may not validate the debt.3 ) Copy of the original signed agreement and balance on the account from XXXX to present. 4 ) What is the account number of alleged debt. 5 ) When was the last payment made on this debt. 6 ) What was the credit limit of this account? 7 ) XXXX XXXX XXXX XXXX are trying to collect the wrong amount. 8 ) XXXX XXXX XXXX XXXX are asking me to pay more than what is owed. 9 ) XXXX XXXX XXXX XXXX are trying to collect a debt that s not valid. 10 ) XXXX XXXX XXXX XXXX have not accurately verified & validated the debt. 11 ) XXXX XXXX XXXX XXXX information concerning this debt is inaccurate and must not be reported to the CRAs. In good faith I have offered an olive branch to XXXX XXXX XXXX XXXX to settle the debt because I have documentation of everything from my near fatal accident, medical history and official papers explaining how I am currently dealing with the stressful situations. I 've given official statements and paperwork from my neurologist to behavioral counselors and have express to this company ( XXXX XXXX XXXX XXXX ) that at the time of this application ( XX/XX/XXXX ) being rendered that I was mentally impaired, incompetent and incapacitated. I continue to have difficulties and suffer from XXXX XXXX, XXXX XXXX and have also survived a XXXX attempt. I have told XXXX XXXX XXXX XXXX that I have exhausted all of my time and energy asking them to leave me alone and to give me room to breathe so that I may be a productive citizen.
09/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 71107	Web
I was forced to consider XXXX XXXX against XXXX XXXX while in California charged over {$3000.00} of merchandise home accomadations. Relocated with no employment paid mthly as well charges, but missed one and was eventulally sent to XXXX XXXX in Louisiana Attorney, now Stephen Bruce and Associates I did over a period of years pay {$3000.00} they want {$13000.00} + dollars although and recently lettered me today a address change was acknowledged to them but today lettered about a year ago. I will not be harrassed and overcharged. I have numerous of accounts mailed that are not mine recent I have no income to make charges and they or over thousands of dollars records of misconduct or submitted for over 1 and 1/2 years I have no electiricity or water and notes are paid in full even over with electricity after extension with Customer Service Rep to remove plan of {$200.00} a month I even paid {$220.00} anyway she said the amount of usage was {$160.00} for the month I had never missed a payment my sister and myself. Paid alone after she left. Mortgage was paid every month of my sister and myself my cousin accross the street and her mother one day came over to say I complained of paying I have not said anything and why since my aunt whom I live with gave the home properties to us to pay against her paying anything out of pocket we agreed a whole confusion I have no knowledge of started and they are not pemitted to visit with my sister living with them against her will having responsiblities for me to I guess make on my own and I have with my son in California before here married with limited assistance working to school him and financially support us. Would you please advise of Fair Act or something.
10/20/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	LA 70737	Web
It has come to my attention that a company by the name of XXXX XXXX XXXX XXXX, XXXX, XXXX is attempting to have my wages garnished on a debt that does not exist on my credit report or any other places that I can find. If the debt really does or did exist it must be at least 12 to 15 years and far exceed XXXX 's statue of limitations credit card debt collections. Furthermore, there was no written or verbal contact made to me regarding to gravity of the matter, nor was I served ( There is No affidavit of service for XXXX XXXX XXXX XXXX. XXXX ) to be made aware that this step was being taken by this firm. I was totally blinded sided. It is hard for me to believe that this is even legal. They have put my longtime career in jeopardy and I may be terminated as result of their inappropriate actions. Please note, I also called this company on XX/XX/2022 and they refused to speak with me. Wouldn't let me go past my name and date of birth, which I am certain is just ploy. Here is a list of FDCPA violations I believe they have made, I will only use codes for lack of space. 1692 e ( 2 ), 1692 e ( 7 ), 1692 e ( 14 ), 1692 f, 1692 f ( 1 ), 1692 g, 1692 i ( a ) ( 2 ). These are just a few.
05/26/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	OK XXXXX	Web	Servicemember
Stephen Bruce and XXXX XXXX, Ok. ( XXXX ) XXXX on behalf of XXXXXXXX XXXX illegally removed funds from XXXX protected under law Social Security XXXX and Veterans XXXX in the amount of {$1900.00}! I have statements from both accounts that prove that and the Judge refused to look at these statements! I have my XXXX deposited into XXXX acct. and my VA money deposits into a XXXX account! The court for some reason didnt know about mypaypal account? So when I transfer funds from XXXX to XXXX it doesnt show as treasury money! It just shows up as a transfer! Therefore XXXX assumes the money elsewhere, I dont know what they assumed but they allowed the illegal garnishment!
05/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AR 720XX	Web
I had a default judgement file against me from Stephen Bruce & Associates which is in XXXX, OK. They never serve me any papers so I knew nothing about this until I got a letter in the mail. I have sent them multiple letters asking them for Validation of debts and they have yet to show me proof of this allege debt that they claim I owe them. They have only sent me statements which shows that this allege account that they say I owe is pass the statute of limitations in my state which is 5 years in Arkansas. And I also thought that I was suppose to get 30 days to answer them back for the judgement they file against me and they didn't give me the 30 days to answer back.
10/08/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OK 73159	Web
Date XX/XX/XXXX Amount : {$15000.00} Actions : Summons from, The District Court of XXXX XXXX, State of Oklahoma. Plaintiff- XXXX Filed : XX/XX/XXXX Attorney : Stephen L. Bruce XXXX XXXX XXXX XXXX XXXX OK XXXX ( XXXX ) XXXX XXXX XXXX XXXX has been handling my debt consolidation since XXXX, XXXX. They reached out to XXXX and Attorneys office with no response from either. I have been paying a large sum of money monthly to XXXX XXXX, XXXX XXXX XXXX who has been negotiating a settlement. Now XXXX wants the full balance due paid in full.
01/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OK 73064	Web
My Mother-in-law passed in XXXX. She left my wife her childhood home. The company renewed the lien for a XXXX XXXX balance of a XXXX XXXX XXXX XXXX XXXX XXXX. We contacted the debtor and they refused to talk or work with us as they knew the house was being sold. They told my wife that they do not negotiate on real estate properties period. We were charged over XXXX XXXX for the deceased partys debt that had nothing to do with us.
05/21/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	OK 74063	Web
in XX/XX/XXXX i was garnisheed wages for a 900.00 dollar credit card, as of XX/XX/XXXX XXXX stephen bruce XXXX out of XXXX okla have taken 10.000 dollars out of my pay, this has brought a great hardship upon me, i work as a XXXX making only XXXX an hr. so as you can see, and so can they, there is no way i can afford an attorney.
12/29/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AR 720XX	Web
On XX/XX/2021 I receive a letter from Stephen Bruce and XXXX stating that they had a Writ of Garnishment against me. Stephen Bruce and XXXX have violated my protected rights as a consumer under 15 USC 1692. I have proof of these violations in the Displays I have attach.
10/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OK 73069	Web

12/29/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OK 73115	Referral

06/29/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70113	Web

06/21/2022	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	LA 70113	Web

02/11/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	LA 71269	Web

01/10/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	LA 70113	Web

11/21/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	LA 71107	Web

11/04/2021	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	CO 80816	Web

12/28/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	OK 73003	Web

04/19/2017	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	NY 10166	Fax

02/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OK 73130	Web	Servicemember

02/19/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	OK 73170	Referral

11/17/2014	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OK 74012	Web

10/26/2014	No	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	OK 73110	Web	Servicemember