VELO LAW OFFICE CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/02/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 485XX	Web
I am currently in litigations with a debt collection company named Velo Law. I have requested validation of alleged debt via certified mail on 3 occasions and the company has failed to respond to request. In court, I requested proof of debt and during the discovery process the company sent me a loan application and two statements both reflecting different amounts from what is claimed owed within the suit. I requested a contract and proof that I owe the alleged debt, none of the requested information has been provided to date. According to the FDCPA, misrepresentation of amount owed is also illegal. Velo Law is suing me for a debt with false representation of amounts owed and no proof that I owe the debt. I have contacted the credit union the alleged debt is claimed to be from and they have no knowledge of Velo Law or the information within the alleged suit. Attached is the letter with the 2nd request for proof of debt being sought that Velo Law has not responded to dated XX/XX/2020. Personal information has been omitted : DATE : XX/XX/2020 2ND REQUEST FOR DEBT VALIDATION Velo Law Office XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX To Whom It May Concern : Be advised this a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Velo Law Office in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards XXXX XXXX cc Federal Trade Commission
07/21/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 48336	Web
The debt started with XXXX XXXX for {$610.00}. I made an agreement with them to pay {$200.00} a month. After I paid my first {$200.00} on XX/XX/XXXX they sent the debt to their attorney Velo Law. Velo law then got a judgement against me for the full amount of {$610.00}. After arguing with Velo law and XXXX XXXX for several months they continued to push me off on the other company. When I called XXXX XXXX to receive a receipt of the {$200.00} that I paid they would not give me one. They claimed they contacted the lawyer and they can do nothing else and hung up the phone on me. Once I made my final payments, I contacted XXXX XXXX to ask for a receipt of the amount I paid, they screamed, yelled and hung up on me. I believe that Velo law and XXXX XXXX are working together to receive more money from people for the original debt that is owed and splitting the difference, because I had already agreed to pay XXXX XXXX. The debt was turned over to the law office after I made my first payment. Velo went to court and got a judgement against me for {$920.00}, though I had an arrangement with XXXX XXXX to make payments. Both companies state they are working with each other and they are taking advantage of people. Velo did not contact XXXX XXXX to inform them that I made a payment onXX/XX/XXXX, they only informed them of the payment made on XX/XX/XXXX. So my credit report reflected my debt was not paid in full, when in actuality it was. I can also provide bank statements showing all payments made. Neither company was willing to send me documentation of all payments made and both hung up on me. I paid {$200.00} with check XXXX on XX/XX/XXXX I paid {$210.00} to Velo on XX/XX/XXXX I paid {$200.00} to Velo on XX/XX/XXXX I paid XXXX to Velo on XX/XX/XXXX Afterward Velo then sent a notice to garnish my wages for an additional {$380.00}. My additional debt was for a medical bill that is a non-interest bearing debt, but they are claiming that I must pay interest and their court fees. I was taken to court after I made an arrangement with XXXX XXXX to pay. In total for a {$610.00} debt I have paid {$1000.00}. Neither Velo nor XXXX XXXX would explain and both were rude, threatening and did not speak. I had a small debt, luckily but imagine someone who has a higher debt the amount of fees these two are working together to charge people. I paid the debt almost twice. This seems to be a scam and unfair. My account number is XXXX at XXXX XXXX.
07/30/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 480XX	Web
On XX/XX/XXXX I contacted Velo Law Office and was told to send written request to said office to obtain validation of debt and payment statement ( some type of form so that I may submit payment in full via certified mail ). I sent written request via certified mail on XXXX to which Velo Law recieved on XXXX. On XX/XX/XXXX Velo law sent me only a validation of debt letter ( which did not have all correct information ) I again contacted Velo Law on XX/XX/XXXX requesting that the payment statement be sent to me so that I may make payment. I was told by XXXX that I would need to send written request and that if I sent in payment I would receive a dismissal in the mail within 10 days and that a dismissal would be sent to the courts as well ( there is no summon for me with the courts and she told me that she could not tell me what documentation was sent to me or anywhere else and advised me to seek legal assistance if I wanted such information ). I have since contacted my county clerk office, and no court summon has been created against me. I called back to Velo Law the same day and spoke with XXXX, who I informed that I already sent in written request for a payment slip to be sent to me and he said he would put in a request for this to be reviewed and that I should follow up in a week or two. If I was to make payment over the phone they could email me a copy of payment and it would also be sent to my origianl creditor. I would like a statement of collection attempt sent to me so that I may make payment. I would like documentation of debt reported paid in full when I pay. This collection agency has sent zero correspondence to me before I contacted them via phone and mailed in a request for documents. I have recorded conversations of all above information, including all contact with Velo Law, XXXX XXXX and XXXX XXXX XXXX.
03/25/2021	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	MI 482XX	Web
On XX/XX/2021, I called Velo collection attorneys to resolve a {$1400.00} debt I have with XXXX XXXX. The unprofessional woman I spoke to adv me that I now owe over {$1700.00} for all accounts attached to my social security # ... I do not have any other debts and after I had to press her to explain where the extra accounts are coming from she then stated the the extra fees are from their office. I said ok I would like to pay the {$1400.00} and settle this debt TODAY to be done with it. The agent then stated that they would be more than willing to take my payment but that will not settle the debt. She stated I would still have to go through 'settle process '. My question to her was then so why would I pay you all {$1400.00} today if the debt may not be settled? I then asked for a supervisor and she told me I would have to put the request in writing to have a supervisor to call me back. ( what established reputable company is actually requesting written requests for a supervisor call back not to mention hand writing a letter during a pandemic ) At this point I asked what is the settlement process and after she advised me I then advised so now my settlement offer will now be {$500.00}!!! I tried to pay what I owe since I have the money, thanks to the stimulus money, but this company is totally full of it and now I can only pay according to my expenses because I am sure something else will come along for me to use the money for. So to sum it all up I want to resolve/settle this debt on the same day because I think we can all agree that it can take up to 10 business days for a this company to get my written request via the mail
04/27/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48910	Web
We moved from XXXX XXXX XX/XX/XXXX. We notified them in XXXX that we would be moving at the end of our lease due to rent increase. We returned keys in the drop box. In XXXX of XXXX, my brother was called by the company who bought a debt. They made no attempt to contact my husband or I about this debt. XXXX was the first time that we heard of it. When I called them with the number my brother left, they said we owed money to XXXX XXXX for unpaid rent for XXXX, and some damages. She said that blinds were broken ( we had replaced them only a couple months before, due to a notice when we lived there ). That the sink in the kitchen had a leak underneath it ( we had multiple maintenance people employed by them in and out to fix that ) and some other things. I asked why we hadnt received a list in the mail within 30 days of charges, which is Michigan law, so we could dispute them and she said they had no forwarding address. I also asked why we werent called but my family was and she stated no phone numbers. She then emailed me a document from them with our forwarding address on it and our phone numbers listed. Since then they are working with lawyers who will not send us documentation of damages without a written letter, they will not work with us on our disputing of the items that are incorrect ( we dont know what we are being charged of because still no written notice from them ). They told us take them to court and get a lawyer. Also the court papers we received showed they started the filing XX/XX/XXXX the date we moved in.
04/26/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MI 48212	Web
I would like to state that I am being harassed and threatened and sued by velo law firm in XXXX XXXX MI. I am being sued for a medical bill from XXXX XXXX fire department from XX/XX/XXXX. I provided my insurance information both primary and secondary to the hospital. the fire department never asked the hospital if I provided any insurance information so they decided to bill me directly. I tried giving them my insurance information so that the bill could be taken care of and they told me that they couldnt take my insurance information before they decided to send it over to collections.on XX/XX/XXXX I received a letter from velo law firm stating that they were going to garnish my checks even after I sent them my insurance information to get the bill take care of I am reporting this law firm because they are violating laws and that they are refusing to corporate with me when I am trying to get my medical bill taken care of. Also I would like to say that the representatives has been very rude to me and hung up in my face numerous of times when I would ask to speak to a supervisor velo law firm told me that my account was under review after giving them my insurance information and stated that they will garnish my checks even after they get the money from my insurance company. I than staked will I be refunded and the representative ignored me and told me that their is nothing that I can do. Also they didnt want to give any alternatives of removing the debt off my credit report, which is affecting my score.
02/10/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 494XX	Web
I was paying a debt for a medical bill to a company that first bought this debt. When that attorney retired, they sold the debt to another company. When this company renewed the debt it was for an amount of {$5400.00} in XXXX of XXXX. As of today XX/XX/XXXX, they are saying that I owe {$5900.00}. I called them to find out why it went up, and I was told that there was a post judgement interest of {$860.00}. Talking with the court today my amount to pay shouId be around {$4500.00} and I was not suppose to have any interest on this account. They said they record all their calls and I have been told more than once that there is not any interest being added on. Now that they did add on interest they had no reason as to why. I called the courthouse that the original judgement was made and they do not have records back that far in that office as they were not being scanned in at that time. I do have a written dispute that I am sending to the said company about the interest. That is the only way they will do anything. I have paid religiously, never been late or anything like that. I just feel like they are scamming me for more money. This has been going on as I have had to call them numerous times since they bought this debt and say they have recordings of all the calls. I have requested transcripts of those also. I am just afraid they are going to charge me an arm and a leg for that also. Please let me know what I can do as I do not believe this is being handled correctly.
07/17/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 493XX	Web
This a complaint regarding Velo Laws Practices, On or about XX/XX/XXXX Velo law had called stating that they had served a subpoena and were following up to make sure that it was recieved. The next day a subpoena was filed with the court. Being a collector for XXXX XXXX for many years i was quized on what Misrepresentation was and this practice is intentional and blatent misprepresentation. A month later they attempted to serve a subpoena on a XXXX party that has nothing to do with the company i work for, he is not an employee, an XXXX, a XXXX other than preparing the paperwork 10 years ago to incorporate the business he is in no way shape or form a valid person to share information regarding my debt too. This is a clear violation of the Fair Debt Collection Practices Act. I called them on a recorded line onXX/XX/XXXX and informed them that i was filing a complaint and now they will not speak with me and after 3 times they hung up on me. I understand that money is owed however i was accountable as a collector to follow these laws regarding consumers information and who I am allowed to share it with, if they are trying collect they need to follow the law. It is clear in mcl compiled statues regarding subpoenas and garnishments they are required to serve an officer of the company. they served essentially my neighbor down the street and informed them of my debt, the amount, what it was for and where i was working all of these violate grahm leach bliley act as well.
01/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SD 577XX	Web
We received a letter from Velo Law advising : notice of a debt in the amount of {$4800.00} owed to has been placed with this office for collection. The notice does not say who is owed, what, when or where. The notice gives a file number, so we tried calling Velo Law to see who this debt is owed to. I was transferred three times. Each of the representatives tried getting personal information from me ; last 4 digits of SS # in order to access my file. I said, you shouldn't have a file on me, so I don't know how that can help. Which would prompt another transfer. When asked where I worked, I said US Courts. With that I was transferred again, this time the call was disconnected. When I tried calling back, no answer. I don't know what this could possible be for? I was the victim of an online scam a few years ago. We reported the person to the Michigan AG 's office, possibly this is a result of that? We also reported them to SD and Wyoming AG as we saw several other complaints about this person. Regardless, who in their right mind would fork over {$4800.00} not knowing what it was for. Reported this letter to our SD Attorney General and thought wise to report to FTC as a senior citizen could easily fall victim to something like this.
03/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	MI 49014	Web
Vello Law O ffices are suing me for a XXXX Bill fro m 2011. I do not have my receipts from that far back. So I disputed this debt, unti l Vello Law could send me proper billings from this XXXX XXXX . They did not do this but instead filed a document with court to force payment from me. I c alled Vello Law t o state I had disputed this debt TWICE until I received supporting info. Vello Law stated they reviewed my DISPUTE and filed with the court. In other words, they " DISSED '' my Dispute which is WRONG! I deserved proof that I owed . Vello Law WOULD no t supply this to me. They are also adding an addition 3 % or more interest on top of the debt! I am single, only live on a small amount of SS XXXX . I hav e 0 s avings and I feel like I am being taken advantage of. I am fighting ba ck. Vello Law will not listen to a debtor 's questions or concerns why they owe as well. I dealt with a girl named XXXX who was rude, talked over me so I could n't receive the info I needed. She was trying to intimidate me. I ended the call because I could not get the information necessary to receive info that I had a right to!
07/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48083	Web	Servicemember
I contacted Velo law today multiple times after finding their information on my credit report. I was hung up on 5 times for not wanting to verify my social security number. While I was on the phone with them my friend said they already talked with her, called her my spouse, and tried to get payment. When I was connected with someone else who used other information for verification I explained they tried sending mail to a rehab treatment center and for obvious reasons the treatment center didn't allow that. I also explained that I should have never received a bill, XXXX XXXX XXXX XXXX under XX/XX/XXXX XXXX XXXX XXXX. They have placed me on a do no communicate list and said if I want any information I need to write them. I'd rather go in person because of XXXX. I told them sending a letter is difficult without some type of assistance and they hung up on me again. Everyone with the company calls themselves XXXX but they demand first and last name, address, and date of birth. There is no way to make a complaint and they recommend getting a lawyer.
03/18/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MI 483XX	Web
Velo Law Office filed fraudulent lawsuit in XXXX District Courthouse XXXX, MI as if I breached a contract and XXXX XXXX XXXX XXXX XXXX hired Velo Law Office who provided services for car accident in XXXX and dates of services were in XXXX, XX/XX/XXXX, and XX/XX/XXXX. Velo Law Office failed to sue XXXX XXXX for the unpaid medical bills {$7700.00} and 3 providers received settlement from XXXX XXXX after XX/XX/XXXX. Velo Law Office lied to Honorable Judge XXXX as if my injuries weren't auto related to prevail judgment against. Due to XXXX XXXX XXXX XXXX XXXX provided services for Motor Vechile Accident that Velo Law Office have no merit to sue and would have sue me within one year of MCL 500.3145 based off of new ruling case-AUTO-OWNERS INSURANCE COMPANY V COMPASS HEALTHCARE PLC ( Per XXXX XXXX ) case ruled by the Michigan Court of Appeals on XX/XX/XXXX, XXXX in which the Michigan Court of Appeals ruled that medical providers can't sue patients past one year of MCL 500.3145 for services rendered as result of MVA XXXX " Debt Scam ''
03/18/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MI 483XX	Web
Velo Law Office filed fraudulent lawsuit in XXXX District Courthouse XXXX, MI as if I breached a contract and XXXX XXXX XXXX XXXX XXXX hired Velo Law Office who provided services for car accident in XXXX and dates of services were in XXXX, XX/XX/XXXX, and XX/XX/XXXX. Velo Law Office failed to sue XXXX XXXX for the unpaid medical bills {$7700.00} and 3 providers received settlement from XXXX XXXX after XX/XX/XXXX. Velo Law Office lied to Honorable Judge XXXX as if my injuries weren't auto related to prevail judgment against. Due to XXXX XXXX XXXX XXXX XXXX provided services for Motor Vechile Accident that Velo Law Office have no merit to sue and would have sue me within one year of MCL 500.3145 based off of new ruling case-AUTO-OWNERS INSURANCE COMPANY V COMPASS HEALTHCARE PLC ( Per XXXX XXXX ) case ruled by the Michigan Court of Appeals on XX/XX/XXXX, XXXX in which the Michigan Court of Appeals ruled that medical providers can't sue patients past one year of MCL 500.3145 for services rendered as result of MVA . " Debt Scam ''
11/05/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 49442	Web
I received a garnishment letter in the amount of {$2500.00} from Velo Law collection agency. In total {$1900.00} was garnished from my wages. I called Velo Law office around XXXXXXXX XXXX to get the remaining balance so I could pay it. I spoke to a receptionist who stated I owed over {$900.00} which is not correct. I should only have a balance around {$600.00}. I repeatedly asked her where the extra charges were coming from and she kept putting me on hold stating it's in the judgement. I was never notified nor received any documentation about the amount changing. They are fraudulent adding charges and going to court without my knowledge in order to prevent me from showing proof of what I paid.I sent an email on XX/XX/2022 and they did not respond by phone or email. I am in the process of filing a complaint with the Michigan attorney general as well.
11/27/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MI 48219	Web
This company, Velo law did not properly serve me a summons. The summons was left with a family friend and was not signed for and the officer ( or person she described dressed in a police officer uniform ) told her that I didnt not come get the packet from her as soon as possible and respond I could be going to jail and its possible I already I have warrant out for my arrest. I immediately called this agency to try to handle this and I was advised that I first had to pay for them serving me before anything could be handled and they also needed a financial statement from me. Also the amounts they are suing for are incorrect. Also the original creditor says another company holds the debt. The place they claimed they served me is not where I live its just my mailing address. I was not there and did not receive the summons nor was it signed for
04/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49048	Web
On XX/XX/2018 I called Velo Law to get the amount owed because I was approved for a loan to pay off all my debt. Upon calling I had found out that they added an additional {$400.00} to my original debt and so I asked to speak to a manager. A very rude woman named XXXX said I would need to mail in written request. I asked to settle for the original amount and was told that i had to fill out a monthly financial statement and offer a proposal. She was incredibly intimidating and offensive in her behavior. I then stated I was going to collect some information of my own and report this law office to the XXXX, to which she replied that i was threatening and disconnected the call. I didn't know it was a threat to initiate my consumer rights. This is absolutely disgusting behavior.
01/13/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MI 499XX	Web
In XX/XX/XXXX I recieved a letter from my local court house about a credit card debt. I know I owe it, but being on XXXX something happened and I just couldnt pay it at the moment. I sent a letter using proper legal information stating that My income being Social Security XXXX was protected by law against collections such as your as well as Judgments. I sent that certified mail, I never recieved a response or notice of a upcoming court date. Today i recieved a document stating they are requesting a judgement against me. I am fairly certain that after the certified letter I sent requesting that they stop all collections immediately ; by law they have to. The date claims it was XXXX, the date the judgement was filed was XX/XX/XXXX, In the amount of {$880.00}
10/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 481XX	Web
I sent Velo law office the only thing I could find from a pervious debt collector I settled this with. I have been contacted by a dozen over the years and any time they close it out they sell it off no matter what I do. I attempted to ask questions to the law office on why they wouldn't take my dispute and what I could do to ensure that if I settled this again, it would come back next year with someone else. The woman was rude wouldn't speak to me and just kept saying " good luck ''. I can't begin to resolve anything with communication like that. Also they went to court after telling me to ignore the paperwork that was sent to me because I sent in a settlement agreement letter they requested and they never reached back out in the 30 days like they stated.
11/03/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 496XX	Web
I have a judgement that Velo law office say is a medical debt. They have garnished my wages. I was served a summons in XXXX of 2022 and contacted them asking for copies of said medical bills. They will not give them to me. I have furnished the request both in writing and verbally. They claim that they have never gotten any written communications. I have asked this for months. My employer paid half of this off and I the other half. But they haven't closed the account it still is growing interest and now they are requesting another {$100.00}. I again today asked verbally for the case in its entirety to be sent to me she asked for me to put it in writing and hung up on me.
11/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48009	Web
On XXXX XXXX velo law started garnishing my wages on an account from XXXX i have never owned a credit card they garnished XXXX dollars. I hired a lawyer XXXX XXXX i never recieved any information from any party. XX/XX/XXXX ipaid XXXX dollars cashier check with certified mail which velo law has recieved because i checked tracking number. i have called multiple times they say they can not release any information too me because i have an attorney. the issue is the attorney no longer represents me. they will not send me reciepts or tell me any information and they have taken XXXX dollars they have garnished recently i really need your help action must be taken
08/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 49009	Web
Velo Law is claiming I owe a debt to a place I have never even visited for a purchase I never made. The items purchased were not items I own nor have I ever been in possession of and the address ( Hazard/Hazzard ) used by the person who purchased these items I have never lived at. My name is a very common name and my identity has been stolen before. When I requested proof of my signature for these purchases and a list of what was purchased it was never provided. I was just told it was proven to be my debt but I was never given proof as to how they came to that conclusion. I want this debt removed from my credit report because it is not mine!!!!
07/31/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 48238	Web
Date XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX and velo law keeps harassing myself and my friends they keep hand delivering papers to my friends threatening them saying I'm lying I live at the address which I do not and have never .i 've called them to tell them I don't live there they keep harassing myself and people I know. I have messages and pics from my friends of the papers and all. I have started my chapter XXXX and told them and they continue to harass and disclose my personal information. That's against the law. they have been gone as far as to make my friends think they are the police this is ridiculous and has to stop.
04/03/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MI 48327	Web	Servicemember
XX/XX/XXXX debt collector tried to claim I owed over {$3000.00} when the debt was {$1700.00}. Refused to accept payment plan and/or tax return despite ( his ) lawyer saying ok to it. XX/XX/XXXX debt paid in full XX/XX/XXXX-XX/XX/XXXX more debt added to accound despite being paid in full. Also paid new amount in full. XX/XX/XXXX funds siezed from bank despite account being paid in full. To date no letter stating debt was paid has been recieved dispite state law requiring one within 21 days, and they will not return additional funds siezed above amount due and paid in full.
02/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29579	Web	Older American
Velo law has hit my credit several times for the same debt. They change the last four of the account number to hit my credit numerous times even though its the same debt. When I dispute the debt and it gets removed the change the name of the debt collection agency and put it back on. They have single handedly ruin my credit and made it so I could not buy a house! The original debt from XXXX XXXX XXXX is over 7 years old and the collection debt is more then 5 years old. I have contacted them several times and pet them know the debt is too old for them to collect on!!
08/30/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48185	Web
The XXXX XXXX XXXX XXXX/Velo Law Debt Collectors are contacting me regarding a debt that I do not owe. at inconvenient times and places. On XX/XX/2023, I have told their receptionist that this debt had been placed into XXXX XXXX bankruptcy the receptionist made a threat to me over the phone, stating that their attorney would garnish all my wages due to a Judgement against me at the 46th District Court in XXXX, MI. In addition, the receptionist stated I do not care if you make a complaint to the state or the bankruptcy court ; we will get our money.
04/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48235	Web
Velo Law XXXX XXXX XXXX XXXX XXXX they reported to my credit report for {$1100.00} at one time they kept hitting my price up and down up and down then I got in contact with them about that while they're raising the price up and down on the collection which was very unfair to me with messing up my credit report and it was very rude here 's the account number that's on my credit report AN # XXXX case number XXXX t this company is violating my rights please help me thank you
01/14/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MI 48185	Web
Velo Law is currently garnishing wages. I've sent communication to them, starting back in XX/XX/2020 to the address below but no information was given regarding this debt. How is this so? How can you garnish a wage, regarding a fraudulent debt and not provide any information? This debt appears fraudulent and now they're garnishing my wages without communicating regarding the debt. I would like this to cease immediately. Velo Law XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
05/01/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60614	Web
In 2015 a judgment was taken out against me and someone I co-signed for. The company VELO law office has refused to go after the original signer of the debt and refused to give me information regarding the debt unless I provide them with my location. I called them on XXXX to get more information regarding the debt and began recording the phone call because they refused to give me more information if I didn't tell them where I was living.
12/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MT 59105	Web
I previously owed a debt to why not lease it in the amount of {$990.00}. I paid said debt to another collection company on XX/XX/2018. I have all documentation to prove it. I provided Velo Law with said documentation twice over the last year and both times they blatantly told me that they dont care if it was already paid because its owed to the also.
02/28/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	MI 488XX	Web
I have an attachment of how much is owed to this debt collector the debt collector is velo law office in XXXX XXXX Michigan I only owe XXXX and they basically garnished my entire state tax return in the amount of XXXX dollars they are not entitled to my whole entire tax return all I want is for them to send me the money they owe me back
09/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48228	Web
I have never been informed of this debt. It is on my credit report as of XX/XX/2020 the amount is ridiculous and the landlord who filed with your office over exaggerated charges that dont exist never went to court for the so called charges I was threatened to be charged never was served any papers of the matter at hand
05/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 48170	Web
I paid the debt in full through XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. Velo law group is now asking for more money, and the earliest dated material I see from their documentation is XX/XX/XXXX. I have all the documentation available to prove this was paid in full
01/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MT 59105	Web
I paid this debt years ago. Velo law has spent the last year trying to collect it again. Ive sent them the debt release as proof multiple times and they refuse it. They have now marked me as no contact and filed a lawsuit.
03/31/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	MI 48152	Web

10/26/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48076	Web

10/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 63501	Web

09/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48220	Web	Older American, Servicemember

10/08/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 48473	Phone

08/09/2020	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	MI 49525	Web

07/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 490XX	Web