WINN LAW GROUP, APC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/09/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92626	Web
On XX/XX/XXXX I purchased a new auto insurance policy through XXXX XXXX XXXX, and I gave the Insurance consultant goes by the name XXXX XXXX my XXXX XXXX XXXX Checking Account information to set up an automatic payment plan. XXXX XXXX XXXX took {$190.00} from my account that day. I believe Mr. XXXX has something to do with my case because three days later on XX/XX/XXXX, {$1200.00} ( that was all the money I had in my bank account ) was withdrawn from my account by the Winn Law Group located in XXXX, California. I immediately investigated this suspicious transaction with my bank and they told me that a Levy was placed on my account by the Winn Law Firm who represents XXXX XXXX. I knew right away that this had to be fraudulent, because I never had a XXXX Credit Card. Upon reviewing the levy in person with a banker at a XXXX branch located in the city of XXXX, I learned that my name, social security number, and a random home address appeared to be in the City of XXXX XXXX ( I never lived at that address, and I don't know anyone who lived there ) were used to apply for the XXXX Credit Card and got approved for nearly {$14000.00} sometimes in XX/XX/XXXX, and this person whoever applied for the credit card spent {$13000.00} on an account ending in XXXX. When I initially called XXXX XXXX to ask them about this, no one could find a credit card account ending in XXXX. Then they asked for my social security number, and I gave it to them because I thought they already knew my SS # as showed on the levy. After I was placed on hold for awhile, the representative of XXXX XXXX came back and told me that she found the account ending in XXXX, and if I wanted to dispute the levy I had to contact the Winn Law Firm directly because they were hired to collect the money and they would have all the information pertaining to the case that XXXX XXXX did not have. I asked her if XXXX XXXX had any record of payments made to the account and she said yes and she also told me she would send me a hard copy via regular mail. I made several attempts to contact the Winn Law Firm for about two weeks after I first learned about the levy via telephone but did not get a reply. I filed a police report and tried to work with XXXX to dispute the unauthorized transaction and have not made any progress. People from the Winn Law Firm wouldn't talk to me if the conversation was put on speaker phone or recorded. On the last week of XX/XX/XXXX, a female representative from the firm finally spoke to me about the case. She told me that the case had been placed in dispute status and I should receive " some paperwork '' from them within 2 or 3 days in the mail. Almost 2 weeks later and still no paperwork arrived in the mail, I decided to show up at their office to investigate and get the paperwork in person. At the Winn Law Firm I learned that my case was assigned to an attorney associate named XXXX. I asked XXXX if his law firm obtained my XXXX XXXX XXXX account information from XXXX XXXX XXXX to which he did not deny and only said this, and I quote " we have a research team and that's how we got it. '' I also asked him who would I talk to regarding the dispute, Winn Law Firm or XXXX XXXX, and he specifically told me not to contact XXXX XXXX about the case and to only speak to his law firm regarding the dispute because they were the one who would conduct the investigation and determine its outcome. I also told him that the only people I know personally who had access to my personal identity information at that time were my mother and ex-domestic partner, XXXX XXXX. After he gave me some paperwork to take home to complete and send back for investigation, I asked him when can I expect the investigation to end and be notified the result of the finding. He told me the investigation would take about 2 weeks to complete. Within a week later, I certified mailed all documents required by the law firm, including the police report, an Affidavit, and a personal handwritten answers to all the questions they asked. Two weeks after the Winn Law Firm received the documents from me and they did not contact me regarding the result as they promised. During this two weeks of waiting period, a female staff from XXXX XXXX investigation department called me and demanded that I must submit a utility bill that could prove I did not live at the address indicated on the XXXX XXXX application. She told me that this would be the deciding factor of her investigation. I told her that her demand of a utility bill from a place I lived more than 10 years ago was unreasonable because any normal person would have not kept a copy of their utility bill that long. I asked if she would accept another form of document that would prove I did not live at that address like a credit report or a DMV record, and she insisted that the only form of document she would accept as proof was the utility bill and that the utility department would have it available for me upon request. I called the XXXX XXXX utility department and they told me they did not have any record older than two years. From this point forward until I received a a second letter of the result from the Winn Law firm today, both XXXX XXXX and the Winn Law Firm changed their story completely around.but accused me of being " confused '' and misunderstood them. On my second trip to the law firm after more than two weeks from the day they received my documents but showed no ending in sight, XXXX wouldn't come out and talk to me in person. Instead, he sent another guy out to talk to me, whom when asked if he was a lawyer answered " no '' and " yes '' at the same time very quietly. He also informed me that the firm did not know when the investigation was going to end, and they did not do anything shady. Meanwhile I received several calls from a male staff who said he was from the same XXXX XXXX investigation team told me that they never said the utility bill was a requirement, let alone the deciding factor of their investigation. He accused me of being confused because they were the one who solely responsible for the investigation and its outcome, and the Winn Law Firm was only available to collect the money and not to do the investigation. Also, the utility document was never a requirement, only optional, let alone the deciding factor of their investigation. They also said that me showing up unannounced at the law firm office was unconventional and should not be repeated. Today XX/XX/XXXX, I received a second letter from the Winn Law Firm with the result of their investigation. According to the letter addressed to " Sir or Madam '', which by the way has a completely different letterhead compared to the letter documents I received from XXXX XXXX about the payments made to the account ending in XXXX weeks ago, XXXX XXXX concluded that the balance of the account ending in XXXX to be valid, and the only evidence provided to support their claim is a copy of two checks made as payments to the account, one from my sister and the other from XXXX XXXX. A quick look at the writing on the checks I can tell you with 100 % certainty that the writing on the check does not belong to XXXX XXXX, whom I had a 14 years relationship with. When I showed my sister the copy of the check, she said someone tried to make it looks like her handwriting but it is obviously not her handwriting. She confirmed that she did not write that check. I noticed there are two different versions in form of the court order or levy. The original one I got from XXXX XXXX XXXX on XX/XX/XXXX looks very different from the one I received in the mail package today XX/XX/XXXX. Also the dates and names of the creditor XXXX appears on the documents they provided are all over the place even though they are presumably about one account. For example, the date appears on the XXXX XXXX XXXX check is dated " XX/XX/XXXX '' and " XXXX '' is written on the space designated for Pay to the Order of, and the date appears on the XXXX XXXX XXXX check is dated " XX/XX/XXXX '' and " XXXX Platinum Card '' is written on the space designated for Pay to the Order of, meanwhile the actual name of the credit card in question appears on the statements is XXXX XXXX XXXX and the dates are from XX/XX/XXXX to XX/XX/XXXX. The exact date the account was opened was not provided or indicated anywhere. If you would like to receive a copy of the two different versions of the levy and the billing statements, please contact me directly via phone call or email at anytime. I would be more than happy to send them to you for review. I have suffered a huge financial loss as a result of this fraudulent incident, including lass of work and very bad credit scores that have prevented me from getting loans for my business. Please help me.
07/04/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91606	Web
ON XXXX XXXX ( THURS ) I GOT A CALL FROM XXXX XXXX ( LEVY DEPARTMENT ) LETTING ME KNOW BY VOICEMAIL THAT THERE IS A CHANGE IN MY ACCOUNT. WHEN I CALLED, THE XXXX PERSON TOLD ME THAT THERE IS A LEVY IN MY ACCOUNT AND THAT THEY ARE HOLDING $ 10,300++ ( DON'T KNOW THE EXACT AMOUNT TO THE PENNY- THIS AMOUNT IS MY WAGE EARNINGS SCHEDULED TO BE USED FOR CHECKS I'VE ISSUED, CHILDREN 'S ENROLLMENT AND OTHER BILLS. ) AND IS SCHEDULED TO RELEASE MY MONEY TO I DON'T KNOW WHOM ON XXXX XXXX. I ASKED THE PERSON WHAT IT IS ABOUT, AND COULDN'T TELL ME EXACTLY WHAT IT IS FOR AND SUGGESTED FOR ME GO TO A LOCAL BRANCH AND GET A COPY OF THE DOCUMENTS THEY HAVE. I THEN GO TO XXXX XXXX BRANCH ( A BRANCH I NORMALLY GO TO ) AND ASKED THE BANKER TO PRINT A COPY FOR ME, I THEN EXAMINE THE DOCUMENT AND SAW THAT IT HAS A NAME I HAVE NEVER USED EVER AND WAS WITH MY SOCIAL SECURITY NUMBER. CREDITOR ( PLAINTIFF ) SAYS XXXX XXXX XXXX, WHOM I DONT KNOW. I CALLED THE ATTY IN THE CASE AND I WAS TOLD THAT HE WOULD PUT MY CASE TO THEIR DISPUTES DEPARTMENT AND WILL SEND ME AN ID THEFT PACKET ( WHICH I NEVER RECEIVED TILL NOW ). I WAS QUESTIONING HIM THAT HOW COME I DON'T SEE THIS IN MY CREDIT REPORT TO WARN ME THAT SOMETHING SUSPICIOUS IS HAPPENING. I ALSO ASKED HIM FOR THE ORIGINAL NOTE/OR STATEMENT OF WHAT WAS OWED TO SEE IF IT WAS ME WHO OPENED THIS ACCOUNT. HE JUST TOLD ME THAT MY CASE IS GOING TO BE IN THEIR DISPUTES DEPARTMENT AND HE ALSO TOLD ME THAT TO WAIT FOR THE ID THEFT PACKET HE WILL MAIL ME AND THAT I SHOULD FILL IT OUR AND RETURN TO HIM AS SOON AS POSSIBLE. WHEN MY LAWYER FRIEND CALLED THIS SAME LAWYER ( WINN LAW GROUP- MR XXXX XXXX ) HE TOLD MY FRIEND THAT HE WILL PUT A HOLD ON THE GARNISHMENT ON MY ACCOUNT - BUT IT SEEMS LIKE HE NEVER DID. ON THE SAME DAY, XXXX XXXX, I WENT TO A POLICE STATION IN XXXX XXXX TO REPORT THIS ID THEFT AND THE OFFICER TOLD ME HE CANT FILE A POLICE REPORT BECAUSE IT IS NOT AN ID THEFT BECAUSE IT HAS MY SOCIAL. I DONT UNDERSTAND! I THEN GO TO THE COURT IN XXXX XXXX XXXX ON FRIDAY XXXX XXXX AND GOT A COPY OF THE COURT DOCUMENTS. I SEE HISTORY OF ADDRESSES THEY SUPPOSEDLY HAVE SERVED THE PAPERS. THE COURT DOCUMENTS DONT HAVE MY SOCIAL SECURITY AND OTHER PERTINENT, ADDRESSES THAT I NO LONGER LIVE IN FOR MANY YEARS. IT SEEMS TO ME THAT THEY ARE JUST SLOWLY PUTTING MY INFORMATION TOGETHER, ALL THEY HAVE OF ME IS MY SOCIAL SECURITY. ON THIS SAME DAY I WENT TO THE SAME XXXX BRANCH I WENT TO ON XX/XX/XXXX AND SPOKE TO XXXX XXXX, A PERSONAL BANKER WHO KNOWS ME FROM COMING TO HER WHENEVER I NEED ASSISTANCE FOR ANYTHING REGARDING MY ACCOUNT. I TOLD HER MY STORY AND SHE CONTACTED AND INVOLVED THE BRANCH MANAGER XXXX XXXX AND XXXX INFORMED THEIR ESCALATIONS DEPARTMENT ABOUT MY CASE. WHO SAID THAT THEY COULD NOT DO ANYTHING TO RELEASE MY MONEY BECAUSE THE DOCUMENTATION PRESENTED TO THEM HAD MY FULL SOCIAL SECURITY THOUGH I REPEATEDLY TOLD THEM THAT I AM TRYING TO DISPUTE THIS AND THAT I ASK FOR THEM TO INVESTIGATE FURTHER SINCE IT DIDNT HAVE MY FULL NAME AND I HAVE NO RECOLLECTION WHATSOEVER, THAT I OPENED AN ACCOUNT WITH THIS CREDITOR. THEIR ESCALATIONS DEPARTMENT THEN TOLD MS XXXX THAT THEY WILL CALL ME NO LATER THAN WED OF THIS WEEK TO GIVE ME AN UPDATE. I EVEN TOLD MS XXXX THAT EVEN IF SHE KNOWS MY FACE AND NAME, WHENEVER I COME TO HER FOR HELP REGARDING MY ACCOUNT SHE STILL ASKS FOR 3 FORMS OF IDENTIFICATION : MY ATM CARD, MY PIN AND MY DRIVER 'S LICENSE. HOW COME XXXX CAN NOT DO THE SAME FOR ME? I EVEN ALSO GAVE HER AN INSTANCE WHERE I TRIED TO DEPOSIT A CHECK THAT MISSPELLED MY LAST NAME AND THEY REFUSED TO ACCEPT IT WHEN IT WAS ONLY 1 LETTER OFF MY LAST NAME .SHE JUST SHRUGGED AND SAID THAT IT IS WHAT IT IS AND SHE CAN'T DO ANYTHING ABOUT IT. I ALSO CALLED THE WINN LAW GROUP AND AFTER SEVERAL ATTEMPTS I WAS ABLE TO CALL MR XXXX XXXX AND ASKED HIM ABOUT THIS CASE AND ASKED HIM TO PROVE TO ME THAT THIS IS MY DEBT AND THAT HE HAS TO GIVE ME ANO ORIGINAL APPLICATION AND STATEMENT BUT HE KEPT SILENT AND SAID SOMETHING ELSE. ON THE SAME DAY, FRIDAY, XX/XX/XXXX I WENT BACK TO THE POLICE STATION IN XXXX XXXX ONLY BECAUSE FROM MY RESEARCH, I AM ALWAYS ADVISED TO GO AND FILE AN ID THEFT WITH THE POLICE DEPT, STILL THE SAME ANSWER. AND WAS TOLD TO GO TO XXXX XXXX POLICE STATION. SO I DID AND SPOKE TO A COUPLE OF OFFICERS AND TOLD ME THE SAME THING. IT'S NOT ID THEFT COZ IT HAS MY SOCIAL. BUT HOW COME IT IS NOT IN MY CREDIT REPORT? MONDAY, XXXX XXXX I SPOKE TO OUR ATTY FRIEND, MR XXXX AND HE TOLD ME THAT HE HAD SPOKEN TO THE ATTY IN CHARGE OF THIS CASE ( XXXX XXXX XXXX ) AND THAT HE WILL EMAIL HIM A POSTPONEMENT OF THE LEVY. WE ARE STILL WAITING FOR THAT UNTIL THIS TIME. TUESDAY, XX/XX/XXXX : XXXX ESCALATIONS DEPARTMENT CALLED AND INFORMED ME THAT THEY WOULD NEED 2 DAYS TO INVESTIGATE ON THIS MATTER AND WILL LET ME KNOW BY THURSDAY. I DON'T KNOW IF THAT IS ENOUGH TIME FOR ME TO BE ABLE TO PUT A HOLD ON THE LEVY UNTIL IT IS FURTHER INVESTIGATED FAIRLY THAT THIS ACCOUNT IS MINE. AFTER A FEW HOURS I CALLED XXXX COMPLAINT AND ESCALATIONS DEPARTMENT AND ASKED THEM FOR A VERIFICATIONS OF DEBT LETTER, I SPOKE TO XXXX AND SHE TOLD ME THAT THEY DONT HAVE THAT AND THAT I NEED TO ASK THE ATTY ASSIGNED TO THE CASE WHO IS MR XXXX XXXX FOR THAT. I KNOW THAT I HAVE ASKED THIS FROM MR XXXX THE TIME I CALLED HIM ON XX/XX/XXXX AND ASKED TO FURNISH ME THE ORIGINAL NOTE OF THE DEBT, AND HE JUST KEPT SILENT AND TOLD ME SOMETHING ELSE. ALSO, ON XX/XX/XXXX, I WENT TO THE SHERIFF 'S DEPARTMENT TO FILE A CLAIM OF EXEMPTION -ENFORCEMENT OF JUDGEMENT. I WAS TOLD THAT THIS COULD HOLD OFF THE DISBURSEMENT OF MY MONEY TO THE CREDITOR. THIS IS IT FOR NOW. I HAVE BEEN SEEKING LEGAL HELP BUT IT SEEMS LIKE IT WILL COST ME THE SAME AMOUNT TO KEEP MY MONEY ( XXXX ) OR EVEN MORE. I REALLY HOPE YOU CAN HELP ME.
02/27/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 90068	Web
In XXXX I received a letter from the Winn Law Group for a debt collection in the amount of {$8200.00}. This was the first time I had any communication from this group. The plaintiff was XXXX XXXX XXXX XXXX. I had no knowledge of this debt. No other information was provided. By contacting the Winn Law Group ( WLG ) I questioned the debt and after many requests was finally sent documents pertaining to this case ( which legally they should have already sent me. ) My name, address, Social Security number, etc were on the cover sheet. The following pages then belonged to a different woman with her information and details of a debt. I immediately contacted the WLG and informed them of their error and that it was a case of Mistaken Identity ; that this was not my debt and they had somehow managed to obtain my personal information and attach it to another persons debt. The receptionist said she made note of this and I was not advised any further of any actions to be taken. I received an additional letter and when I contacted the office of the WLG, I was told by a receptionist that the case had been dismissed. Regrettably I did not research my rights and provide a written dispute, nor did I keep these documents as I believed this to be concluded and that the WLG had realized their mistake. One year later I received another attempt of collection for this debt. Again I informed the WLG that this was their mistake & I had been told it had been dismissed. I asked them not to contact me again and warned them that I would report them for harassment if they continued to send me letters. In XX/XX/XXXX I went to my bank and found a charge in the amount of {$120.00}. I contacted the bank and informed them that I had not authorized this charge. I was advised to contact the XXXX XXXX County Sheriff. The Sheriff 's Department then advised me to contact an Attorney at the WLG. I tried relentlessly to talk with an Attorney but was either put through to voicemail, ( which I left multiple messages requesting they call me back and send documents relating to this case ), hung up on several times or placed on hold for an eternity. I called the bank back and they notified me through their Fraud Dept. that due to a legal order, there had been an attempt to try and extract {$8200.00} from my account to satisfy all or part of a debt. They charged me a processing fee ( {$120.00} ). If I had any substantial amount in my account, it would've been taken. I then received a Notice of Levy. The WLG falsely claim to have sent copies for 'Notice of Renewal of Judgement and Application of Renewal of Judgement. ' to my address. I never received these copies. The 'Proof of Service ' letter was not even dated & only claims to have 'placed such envelope for collection and mailing ' on XX/XX/XXXX. ( Document attached ). I am doubtful and question if these copies were ever actually mailed. I am certain the WLG did not want me to be able to challenge this Judgement but slyly went to the Courts without my knowledge to obtain a legal order. On XX/XX/XXXX, I was shocked to receive completely new documents. This copies show an attempt at debt collection dating back to XXXX ( for a Credit Card debt concluding in XXXX. ) Again, the WLG falsely claim that I was served with a copy of the Summons and Complaint. According to their documents, these copies were in fact served to a 'XXXX XXXX XXXX ' ( Docs attached. ) I never received these copies. They were never forwarded to me. The WLG neglected to send any follow up letters whatsoever, for the collection of this debt. In that same time period I had unfortunately accumulated two other debts that were in debt collection. Ironically, I had held onto all of these notices with the intention of settling them when possible. In XXXX, I was in a position financially to do so. I was able to 'Satisfy in Full ' these outstanding debts. ( Docs attached. ) I also contacted the Credit Agencies in an attempt of good faith, to locate and finalize any additional debts. None had been reported. Why were no letters of collection sent or a report filed for this debt? I believe the WLG has deliberately and intentionally been holding onto this debt to accrue interest. They have sent me incorrect documents ( leading me to believe I was the victim of Identity theft and filing a complaint with the FTC ) and neglected to inform me, by law, of my rights. They have failed to provide me with documentation that legally they were obligated to do and have been incredibly difficult and extremely unprofessional to deal with. It is highly questionable to me the business practice of the WLG. That I have never received the most important and relevant copies of documents that would've enabled me to settle this debt eleven years ago is troubling. I am very frustrated by the incompetence and negligence of the WLG. I would've gladly made arrangements to settle this debt in XXXX if I had the relevant information to do so. Instead there was an attempt to gouge my bank account for over {$8200.00}. The judgement from XX/XX/XXXX was a total of {$4000.00}. I am now a XXXX with XXXX children. My spouse supports himself and XXXX dependents. I have read warnings about this Collection Agency in regards to their tactics and dishonesty when dealing with payments made to debts. For this reason ( in addition to my horrible experience thus far with the WLG ), I am very hesitant to continue dealing with them at all.
06/01/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 93312	Web
Back in XX/XX/XXXX my daughter needed some XXXX services. I applied for a XXXX XXXX XXXX XXXX and the credit card was granted on XX/XX/XXXX, so I paid my child XXXX service with the new XXXX XXXX XXXX XXXX card. The first payment was scheduled on XX/XX/XXXX, unfortunately I did not receive a bill with the payment phone number or the payment address to send a payment, so almost at the end of the month decided to call and ask the best way to process my first payment, the XXXX XXXX XXXX XXXX representative told me that I needed the account number to make the payment, number that in the time of the call I unknown, for their security reason she couldnt gave me the account number, so the best was XXXX XXXX send me the bill to my mailing address and then process the payment. Until XX/XX/XXXX I received my first bill from XXXX XXXX XXXX XXXX, it was the XX/XX/XXXX bill with the payment information, STETEMENT WITH CLOSING DATE OF XX/XX/XXXX, PAYMENT DUE DATE of XX/XX/XXXX, and a MINIMUM PAYMENT DUE OF {$190.00} Dollars. On XX/XX/XXXX I paid {$100.00} dollars to XXXX XXXX XXXX XXXX over the phone, and in XX/XX/XXXX I paid another {$100.00} dollars online, so the minimum payment was covered before the due date. Come XX/XX/XXXX, I tried to process the monthly payment over the phone, XXXX XXXX XXXX XXXX refused to accept my payment because they had the suspicion that I applied for bankruptcy, I informed to the representative that it was not the case and I will continue with my payments in time before the due date, the representative refused to accept the payment. In a second call before the XX/XX/XXXX payment due date I called to the XXXX XXXX XXXX XXXX to check if they cleared the information and if I could process my payment, again the representative refused to accept the payment and this time I was informed the account was sent to the collection department, even when my previous payments were paid in time and I was trying to pay the third month. I tried to get the recovery or collection department phone number to stop the collection work, but the representatives told me I cant contact or make a payment because they were updating the account to the collection department and they will contact to me, I told several times to the representative that I was in the position to continue with regular payments and continue with the original credit card agreement, but they refused to give me a solution to stop the collection process. After several calls I gave up making my XX/XX/XXXX payment because the continually refused to accept it. Months went by and never did we receive another phone call or notice or some documentations or letter in regards this debt. The XXXX XXXX XXXX XXXX sold my account to a collection agency named XXXX XXXX XXXX XXXX. XXXX XXXX hired a Law Office to collect this debt, on XX/XX/XXXX they sent me a paper work of the account and I discovered the details that make this illegal collection. Originally the payment schedule was : 1rst minimum payment of {$98.00} before XX/XX/XXXX 2nd minimum payment of {$98.00} before XX/XX/XXXX 3rd minimum payment of {$98.00} before XX/XX/XXXX. And continuing every XXXX of the month until the balance be paid in full. But as I said the first bill was lost in the mail or just XXXX XXXX XXXX XXXX never sent out, So the 1rst payment was paid on XX/XX/XXXX over the phone, the second payment was paid on XX/XX/XXXX, On XX/XX/XXXX the first and the second payment were covered before the second payment due date. On the third payment it was not possible to process because on XX/XX/XXXX XXXX XXXX/XXXX XXXX sold the account to the collection agency XXXX XXXX XXXX XXXX, even before the third payment due date -remember the due date is the XXXX of each month-, that should be the real reason why the did not accept my payment because they sold the account to a collection agency before the account was a charge-off, but the account was not a charge off because I paid the first and the second minimum payments before the due date of the second payment. XXXX XXXX/XXXX XXXX excused in I was applied for a bankruptcy but that is a lie, the true is they sold an account to a debt buyer before the account was a charge off. Now XXXX XXXX XXXX XXXX ( debt buyer ) hired a law office -Winn Law Group- the law office is attempting to suit me for this debt, a debt the I never refused to pay ( the original creditor refuses to accept the payment ) I want to pay in the original terms stipulated with the original creditor.
06/21/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	DE 199XX	Web
To whom it may concern, I am attaching all information regarding the fraudulent debt, improper service and defamation of character as it relates to Winn Law Group / XXXX XXXX. I have no debts in collection at this time and all three of my credit reports are clean. This is an invalid debt from a XXXX credit card from XXXX that was removed from my credit report in XXXX due to Statute of Limitations. It looks as though they tried to reset the debt in XXXX and have been mailing me throughout the years and sending lawsuit paperwork which I know is a scam. When I tried to contact Winn Law Group they harassed me and were extremely rude and even when I stated this was illegal and it is an invalid debt they have continued over the years to mail me more paperwork. At first I thought it must have been an identity theft since I had been robbed but it turned out it was an invalid debt that was over the statute of limitations. I tried to send a certified demand letter stating the debt was invalid in XXXX but it went nowhere and the letters continued to come. Currently as of XXXX/XXXX/XXXX they placed a hold on a joint XXXX account in XXXX and have stolen {$45.00} and have caused my life to be in ruins. I moved XXXX/XXXX/XXXX to XXXX due to a XXXX called XXXX XXXX and am unable to work. It is my hope that we have Winn Law Group and XXXX XXXX put out of business for this illegal behavior and all Lawyers disbarred who work at their fraudulent firm. I think they should be imprisoned for these frauds. As the attachments will show they have been stalking me for years via mail and I used to get harassing calls as well. I suffer from XXXX XXXX due to years of their mail and harassment and have never been able to enjoy my quiet and peaceful enjoyment of life, so they are directly violating my Consumer and Civil Rights for the last seven years. I had a professional help me clean my credit report in XXXX when I was applying for an apartment and was being charged over {$2000.00} for a deposit for a studio apartment rental since my credit was not good. He told me and wrote on my reports that almost all my debt was 'SOL ' and told me about the Statute of Limitations. It was then that I learned about time barred debt and we disputed all the items and they were cleared off my credit reports. I even have the charge off letter from XXXX XXXX from XXXX, see attached. I am livid to find out this fraudulent company can steal from a XXXX person and ruin my life and credit. I was improperly served on XXXX/XXXX/XXXX by the XXXX County Police Department and never got paperwork showing I was served. I moved out of XXXX on XXXX/XXXX/XXXX so I am stunned they were able to steal {$45.00} from our joint XXXX checking account and place a hold on it stating I owe {$3000.00} for an invalid debt. They even had a judge sign off on this bogus paperwork, so now I am disgusted how far this scam has gone. I called the XXXX Court to follow up with why they would improperly serve and sign off on a fraudulent debt and all I got was a bunch of lip service. Seems like everyone is corrupt and nobody is accountable. They were extremely rude and informed me they can not give legal advice so I knew it was a matter for the CFPB to help me. My husband and I are very concerned they will steal from us again and are hoping to resolve this and get our money that was stolen back as quickly as possible. In XXXX of XXXX they also sent a wage garnishment to my ex employer after I was not working there which was defamation of character. Attached are all of the correspondence from Winn Law Group / XXXX XXXX from over the years and my past credit reports which show there are no collections on my credit. I appreciate your help in resolving this horrific situation. My life has been ruined from a bureaucratic nightmare and I am currently filing for XXXX which is pending and unable to survive, so Winn Law Group / XXXX XXXX steals from XXXX people and they should be held accountable for their many illegal actions and shut down. They stole my last {$45.00} and have jeopardized my family 's well being. Please contact me with any questions. I have proof on my current and past credit reports that I can prove but did not wish for the Winn Law Group and XXXX XXXX to see those documents as they have invaded my life enough. If you need these documents please advise. I did include the Social Security documents to prove that they are stealing from the XXXX which is an even more disgusting crime. Thank you,
06/14/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 93063	Web
As the world was heading into a recession back in the early XXXX 's, my family and I found ourselves in a bind. My husband was laid off from work two days after we found out I was pregnant with our first ( and only XXXX child. We had large medical bills due and insurance premiums due to XXXX, no income from my husband and I was working part time. We used credit cards to survive. I tried several times to set up payment plans with XXXX XXXX, we even had paid for the insurance in case you lose your job, and no assistance was given. After a while, XXXX claimed our account, which was less than {$3000.00} was closed and they no longer can assist us. Fast forward to XXXX and out of nowhere we get a hit to our bank account taking everything that was in there. After talking to the bank, we finally got information that the Winn Law Group had gotten a levy on our bank account. I called their offices in XXXX of XXXX, to see what was going on. I spoke to XXXX ( ext XXXX ), who literally told me I had to pay {$600.00} a month for 12 months or a lump sum, there were no other options. I mentioned to him that I do not recall even getting a notice regarding this, supposedly they were able to get a judgement and the account was also about 8 years old already ... He assured me that they do a one-time " hit '', take what they can, then close the account. Since then, Winn Law Group has attacked our bank accounts a few more times, each time taking a little something, and never sending me any communication on the matter. They did take my son 's savings, which I had to fight to get back a few years ago. As I have looked on the court pages online, I see they got a Judgement on XX/XX/XXXX. I have verified with the courthouse that judgements expire in 10 years, unless renewed. They have not renewed. Also, they tried to take my son 's XXXX Account, this is a blocked trust account, this past XX/XX/XXXX ... two years after the last writ was executed ( court said the writ is good for 6 months ), thankfully, my son 's bank stopped them from taking it, but now I see they filed something again on XX/XX/XXXX ... Few issues I have are : 1- they never validated the debt, I asked, they said " don't you have your old bills '' ... 2- the judgement is over 10 years old, no extension filed 3- I don't recall ever getting anything to appear in court 4- they refused any payment plan besides what they wanted, which financially I could not afford {$600.00} a month, I still can't ... 5- they told me they do a one time " hit ' then it's closed, obviously, that was a lie. 6- the last writ of execution was filed XX/XX/XXXX, yet they tried to take funds in XX/XX/XXXX and probably now XX/XX/XXXX. 7- if they got a judgement in XXXX, they literally stalled for years before notifying me, and in that were able to accrue additional interest charges, as I had absolutely no knowledge of this until I went to use my debit card, in a restaurant and found out all the money in the account was gone ( in XXXX!!!!! ), so they accrued 5 years of interest charges basically behind my back. I don't understand how this works, if a person were to commit a crime, they are innocent until proven guilty ... but if your family life is turned upside down, and you rely on credit cards to live ( who also raise your credit limit without permission so you spend more, even though you have called and asked for help to get caught up ), you are made to be guilty until you show up for a court date to prove otherwise, And, the person suing you doesn't even have to prove they notified you ... Collection calls come all the time, it's the same message, nothing is ever explained and they usually threaten you to pay over the phone that instant so they can get their commission. The debt isn't validated and pretty much any scam artist can call pretending to be a collection agency. Then they can file a case against you, knowing you won't know about court, and they will win by default. This is wrong!! The consumer is not protected in any way. Banks get bailouts, major companies can fraud the people, then be forgiven of their debt, and even more, they make tons of money and never pay a dime in taxes ... where is the protection for the people? Why don't we get a fair chance to explain our situation, set up a payment plan and pay what we owe, not additional monies to fatten these collection agencies???!!!
07/09/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 95361	Web
On XX/XX/XXXX our vehicle was stolen and it was paid by XXXX at a total loss in the amount of {$23000.00} on XX/XX/XXXX. We had sold and moved from our XXXX XXXX XXXX home in XXXX of XXXX. We were sued by an XXXX XXXX XXXX in XX/XX/XXXX in XXXX XXXX. CaseNo XXXX in the amount of {$1000.00} on behalf of XXXX XXXX XXXX with an interest amount of # XXXX and attorney 's fees in the amount of {$200.00} total judgement {$1500.00}, however we didn't received information on this because we moved and our address was still listed at XXXX XXXX XXXX XXXX. Then on XX/XX/XXXX an attorney XXXX XXXX XXXX of XXXX XXXX XXXX in XXXX, CA XXXX filed a case to extend the original judgement and has re submitted the judgement and renewal of the case on XXXX, XXXX in the amount of {$3200.00}. I XXXX XXXX was not named on any of these documents as of XX/XX/XXXX. Then on XXXX XXXX another document was filed with my husband 's and my name again to renew the judgement. Then on XXXX XXXX a writ of execution and the attorney was changed and to XXXX XXXX XXXX and another document was filed with interest in the amount of {$80.00}. totaling the amount at {$3300.00}. Then on XXXX XXXX another acknowledgement of credit was entered with interest in the amount of {$960.00}. Then on XXXX XXXX another document execution ( money judgement ) was presented and the total amount due was {$4200.00}. My address listed is still the XXXX XXXX XXXX, XXXX address. Another document was filed XX/XX/XXXX with Superior Court of California Memorandum of Costs after judgement. Then on XX/XX/XXXX another Writ of Execution was filed and the amount totaling was {$4100.00}. My address is still listed as XXXX XXXX XXXX, XXXX ca. Then on XXXX XXXX, XXXX a wage garnishment was sent to my husband 's work requesting 25 % of my husbands earnings from each paycheck and my husband is paid every two weeks. In XXXX of XXXX I called XXXX and requested information on my car loan and if there was money owed. After several calls I was advised that there was no attorney that was listed to sue for the amount as the amount had been written off and a XXXX was issued to me from XXXX XXXX made out to my husband as I was not part of the loan. I was told that my address listed was XXXX XXXX XXXX XXXX Ca and that was were the XXXX was sent to. I provided my current address and received the document in the mail. I have since filed a notice to vacate the judgement as I was not part of the loan and my address was never updated. Since this time I have learned that that original lawyer passed away and the there was paperwork filed included XXXX 's check to XXXX XXXX and the XXXX. We had court on the XXXX of XXXX and the judge was not convinced that the attorney is the attorney for XXXX XXXX and instead a credit that purchased the remainder amount. In any case the XXXX advised that it is wrong for a company to have sued for an amount and there are several inconsistencies with the case. The judge ordered that the attorneys provide additional documentation that stated we had agreed as part of stipulation to repay the original amount and if not then she would need to make a decision. So the case was postponed till XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX advised that we should file a case in small claims court to get our money back from the attorney and that the statue of limitations She told us we should not have to pay twice since we had to file taxes using the XXXX as additional income and have wages garnishments at a higher amount. Where I believe our rights were violated is that XXXX filed the same paperwork that has already been filed on XX/XX/XXXX with no written response or acknowledgement that it was sent to me or my spouse. Because this is a creditor the amount was not addressed prior to the 4 years that a creditor has to retain payment. The original lawyer XXXX XXXX XXXX did not file until XXXX and was a debt collector which means they were not the original creditor. Also XXXX XXXX XXXX practice filed paperwork to name a new XXXX XXXX XXXX XXXX after XXXX XXXX XXXX passed away. Then in XX/XX/XXXX filed a new state of information with the secretary of state in California. Somewhere in this process the debt was sold to Winn Law Group who is stating they are the attorney representing XXXX XXXX.
01/12/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92504	Web
XX/XX/XXXX I was served a summons from XXXX XXXX, XXXX. The demanded amount was {$7.00}, XXXX. Court file # XXXX On XX/XX/XXXX I called the number on the summons which is XXXX XXXX XXXX located The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Phone number XXXX I spoke to XXXX XXXX extension # XXXX I asked questions about my summons and came to agreement on a settlement balance of {$5000.00}. Winn law group proceeded to send me a stipulation agreement for the first year to pay {$25.00} a month and then the following year {$75.00} a month. I have been making payments ever since XX/XX/XXXX to present and never have been late. The payoff date stated in the stipulation agreement is on or before XXXX XXXX XXXX From XX/XX/XXXX to XX/XX/XXXX I have made payments in a total of {$2600.00} and the amount left owed is {$2300.00} from the stipulated settlement agreement of {$5000.00}. On XX/XX/XXXX I received a letter from XXXXXXXX XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. The letter stating I owe a debt in the amount of {$4.00}, XXXX with a reference number of XXXX I was confused and had no idea who the collector or debt was. I sent back a letter for verification of the debt. The letter was sent certified on XX/XX/XXXX I also emailed XXXX XXXXXXXX XXXX to verify the debt. On XX/XX/XXXX I received a letter from XXXXXXXX XXXX XXXX Letter stated original creditor which is XXXX and XXXX XXXX XXXX On XX/XX/XXXX I called Winn Law group, the original debt collector I was paying that I had a stipulated agreement of a settlement balance of {$5000.00} to ask them what is going on with my account. Why I never received a payment statement from XX/XX/XXXX and XX/XX/XXXX. Also to let them know XXXX XXXX XXXX was trying to collect from me on the same account. The debt collector I spoke to, XXXX XXXX. I spoke to XXXX XXXX ( Winn law group ) around XXXX XXXX She said that Winn law group no longer has my account that XXXX had it and to call the number on the statement. I called XXXXXXXX XXXX XXXX the same day XX/XX/XXXX. The operator that answered was XXXX XXXX. XXXX XXXX explained to me that XXXX bought out Winn Law group. I was very confused on why I was never notified of the change and received a new debt collection letter with a higher amount than I owed. Winn law group never notified me of this change and has broken the stipulation agreement. Winn law group and XXXXXXXX XXXX XXXX has falsely claimed the wrong balance on the total amount owed of the stipulated account settlement of {$5000.00}. I have copies of all payments made from XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX that they no longer Have my account and it was given back to XXXX XXXX XXXX XXXX. Winn law group and XXXX XXXXXXXX XXXX are both pending license application, and could not provide me with a license number when I sent the letter of verification of debt. They have failed to provide me with accurate information on my account balance. Winn law group and XXXX XXXX XXXX failed to inform me of them breaking the stipulated agreement and change of collection. Both also trying to collect more money than I owed.
09/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11215	Web
Today, XX/XX/XXXX, an individual from the XXXX XXXX Sheriffs Department delivered a writ of garnishment to my employer. The writ was endorsed by the Superior Court of the State of California, XXXX XXXX County. The attorney of record on the writ is Winn Law Group ( Winn ) and the plaintiff/petitioner on the writ is XXXX XXXX XXXX, XXXX ( XXXX ) as an assignee of XXXX XXXX. ( XXXX ). The writ of garnishment contains a mistaken identity. While it is addressed to my employer, the defendant ( who has the same first and last name as me ), has a different middle name, address, and social security number. I do not currently live in the same state as the defendant. I believe the mistaken identity originates from the fact that the defendants address is in the same zip code as my employers headquarters, despite the fact that I work in a separate office, in a separate state. I immediately contacted the sheriffs department and an individual there represented that he had no ability to change the writ, the sheriffs department merely serves the writ. I then contacted Winn. The first operator I spoke with forwarded me to an unattended phone line. The second operator I spoke with forwarded me to one of the firms attorneys XXXX XXXX. Mr. XXXX asked for my address and the last four digits of my social security number. He confirmed that the defendant does not appear to be me and said he would draft a release letter to send to the sheriffs department. I requested a copy of the release letter as well. He requested my email address and said he would send me a copy of the release letter in the next 15 minutes. I did not receive any emails from Mr. XXXX today. I tried four additional times to reach Mr. XXXX and left two messages. My haste in filing a complaint is an attempt to force Winn or XXXX to submit a release of claims within the 10 day window in which my employer is required to respond. I believe Winns misidentification, identifying me as the defendant, is a material violation of my rights and privacy. Further, Winn caused significant embarrassment to me by matter of a sheriff appearing at my employers headquarters and making the false identification public to my coworkers. My complaint will be satisfied when Winn ( and/or XXXX ) : 1 ) prepares a release of claims letter that is sent to me, my employer, the XXXX XXXX County Superior Court and the XXXX XXXX County Sheriffs office ; 2 ) each entity confirms receipt of the release letter, 3 ) Winn submits to me an apology letter, and 4 ) Winn posts a new policy on its public-facing website stating the appropriate procedure an individual may follow when it believes it is subject to misidentification and, in that policy, Winn commits to addressing every complaint alleging misidentification. I am lucky that I was able to catch the misidentified writ of garnishment before my employer deducted wages. Other individuals may not be so lucky.
02/12/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92301	Web
XXXX XXXX XXXX XXXX as assignee of XXXX XXXX XXXX, XXXX ; is attempting to collect a false debt and also falsely suing me for debt that is not mine ; that I never had ; as I have never owned or had a XXXX XXXX account that XXXX states they purchased from XXXX XXXX in XX/XX/XXXX in the amount of {$3700.00}. XXXX XXXX XXXX claims I owe this debt and has attempted to collect the debt through bank levy. Court files show they have been pursuing me since XX/XX/XXXX and filed suit in XX/XX/XXXX without my knowledge and without ever contacting me. XXXX and it's associates makes claims to proof of service by substituted service in XX/XX/XXXX at an address I no longer lived at. XXXX has been attempting to collect and sue/take me to court ; all without my knowledge using an old address to pretend to contact me until XX/XX/XXXX in which I received notice from the county recorder of an involuntary lien recorded. On XX/XX/XXXX I called XXXX ' Collections Attorney ; Winn Law Group to receive information and dispute debt. They stated I now owe {$7200.00} ; which is a misrepresentation and not what is stated in the lawsuit. I sent a dispute letter and request for validation of debt by certified mail to both XXXX and Winn on XX/XX/XXXX in which they both received. Winn Law Group sent me their first correspondence ever stating they were attempting to collect a debt. The amount stated over the phone and on paper are different. The information provided in their correspondence to me does not belong to me ; nor are there any documentation of proof showing that I had such account or that there is a debt owed by me. The file sent to me was incomplete, unverifiable, and inaccurate and the dates do not match up nor are there any signatures or valid information to link me to this false account. XXXX filed in XX/XX/XXXX an abstract of judgment against me which should be stopped immediately. I only know of this recent file by way of the county recorder. XXXX has been attempting to collect a false debt since XX/XX/XXXX. XXXX obtained a default judgment in which I never knew about in XX/XX/XXXX by using a previous address so that I could not dispute or fight for my rights. A debt collector must serve you with notice of a lawsuit if it sues you. And if it gets a default judgment against you because it failed to serve you with notice of the lawsuit, it is prohibited from trying to collect on that judgment. Collectors are not able to collect phantom debts ; this is violating the Fair Debt Collection Practices Act. Saying I owe a nonexistent debt is in violation.
06/14/2019	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 93306	Web
All this matter is about for a " judgment '' against me, on base the paperwork a debt buyer XXXX XXXX won the judgment long time ago and now I must pay the certain amount of money to them. After a few calls I got the paperwork and called the Attorneys who represents the plaintiff ( XXXX XXXX ) the attorneys XXXX XXXX XXXX XXXX XXXX, but couldn't reach them, so I called the debt buyer and they sent me with another " Law office '' a company The Winn Law Group. I contacted them on XX/XX/XXXX, and they gave me some information about the debt, including a balance for {$8200.00} including legal fees and interest. but never provide real information about when this judgment was filed, a case number, when this judgment was recorded or date of the last time the judgment was renewed. I was not talking with and attorney I spoke with a regular debt collector with a name of a " Law office '', I told them I have the best interest to resolve this matter so I made a settlement offer for {$5000.00}, the representative named XXXX said they had to submit the offer to their client ( Cavalry SPB ) and I suppose to call other day. After several calls over the last months, nobody in this " Law office '' who in fact is a regular debt collector is able to give me information or a response from the " client '', every time I call they transfer my call to a voice mail, after another 7 calls the representatives stared to explain me that the account is " Lock '' and they can't open the account and have to transfer my call to an attorney, but any attorney take the call -I don't understand how this collecting tactics are allowed- Finally after more than 25 calls made to this debt collector someone named XXXX took my call, she was a very nice person with me but had to inform me that an attorney will review my account and they will call me back, of course nobody called back, so I called on XX/XX/XXXX and a representative informed me that they mailed me a letter due to a " dispute period '' and " validation period '' I explained him that I was expecting the settlement response but he said is anything they can do until this period is over. So I tried to get more specifics like : why is this dispute period? or is the period for new accounts or for old accounts? and asked if they have to valid this account due to is not a valid account? but he refused to give me the information. So now I don't understand that is the next step to follow in order to resolve this " judgment ''
06/14/2019	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 93306	Web
All this matter is about for a " judgment '' against me, on base the paperwork a debt buyer XXXX XXXX won the judgment long time ago and now I must pay the certain amount of money to them. After a few calls I got the paperwork and called the Attorneys who represents the plaintiff ( XXXX XXXX ) the attorneys XXXX XXXX XXXX XXXX XXXX, but couldn't reach them, so I called the debt buyer and they sent me with another " Law office '' a company The Winn Law Group. I contacted them on XX/XX/XXXX, and they gave me some information about the debt, including a balance for {$8200.00} including legal fees and interest. but never provide real information about when this judgment was filed, a case number, when this judgment was recorded or date of the last time the judgment was renewed. I was not talking with and attorney I spoke with a regular debt collector with a name of a " Law office '', I told them I have the best interest to resolve this matter so I made a settlement offer for {$5000.00}, the representative named XXXX said they had to submit the offer to their client ( XXXX XXXX ) and I suppose to call other day. After several calls over the last months, nobody in this " Law office '' who in fact is a regular debt collector is able to give me information or a response from the " client '', every time I call they transfer my call to a voice mail, after another 7 calls the representatives stared to explain me that the account is " Lock '' and they can't open the account and have to transfer my call to an attorney, but any attorney take the call -I don't understand how this collecting tactics are allowed- Finally after more than 25 calls made to this debt collector someone named XXXX took my call, she was a very nice person with me but had to inform me that an attorney will review my account and they will call me back, of course nobody called back, so I called on XX/XX/XXXX and a representative informed me that they mailed me a letter due to a " dispute period '' and " validation period '' I explained him that I was expecting the settlement response but he said is anything they can do until this period is over. So I tried to get more specifics like : why is this dispute period? or is the period for new accounts or for old accounts? and asked if they have to valid this account due to is not a valid account? but he refused to give me the information. So now I don't understand that is the next step to follow in order to resolve this " judgment ''
10/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 96002	Web	Servicemember
I am writing in regards to a debt collection that is not valid nor mine. As a single mother and sole provider for my household, I have worked diligently since XXXX to pay off all debts owed and clean up my credit in order to purchase a home for myself and my daughter. I started in XX/XX/XXXX by contacting all my debtors based on my credit report and outstanding debts owed. By XXXX I was able to pay off all debts with the exception of my school loan and car payment. I continued on my journey of cleaning up my credit by no longer acquiring credit cards and living by " cash only ''. In XX/XX/XXXXI received acknowledgement that I had finally paid off my school loan in full. This was the best day of my life considering how long I had been paying on this school loan and was now only left with my current car payment as my only open credit account. In XX/XX/XXXXI started the process of purchasing my own home. I would not have been able to accomplish this with any outstanding debt, collections or judgments against me. In XX/XX/XXXXI was able to purchase my first home and felt fantastic about all of my hard work since XXXX to make this dream come true. In the background as all of this was going on, Winn Law Group sent me notice after notice after notice threatening me with debt that was not mine nor owed. I repeatedly told them via phone calls, refusal of mail, and written communication that I did not owe this money and that they were harassing me. They have been relentless in their pursuit and it has escalated now to them trying to garnish my wages. I have provided them with copies of my credit report showing that there is NO DEBT that is outstanding nor owed to any parties. The Winn Law group has been aggressive, rude, non-compliant and basically just harassing. They have phished my social security number and will not leave me alone. They are now trying to steal over {$6800.00} from me via wage garnishment without cause. I am the sole provider for my household and every penny I earn is budgeted and accounted for. In addition I monitor my credit daily to weekly and any time there is a change I am monitoring it. Please help, Winn Law Group needs to be stopped. I have included copies of my Credit Reports ( XXXX & XX/XX/XXXX), where I started to where I stand, my payoff letter to my school loan and documents showing Winn Law Group garnishing my wages.
07/25/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	CA 92394	Web	Servicemember
I am being sued by XXXX XXXX XXXX in the state of California. The debt I created with XXXX XXXX XXXX was created in the state of XXXX. I did not sign for the debt in the state of California. Why am I being sued in the state of California? Also, I received a letter from XXXX XXXX , Executive Office of Customer Advocacy for XXXX, dated XXXX XXXX, 2015. This letter was pertaining to an investigation that XXXX performed concerning my previous CFPB complaint. She stated that Winn Law group reported that there were XXXX repayment options offered to me which I declined. This was a false statement made by Winn Law Group. I was offered only XXXX payment option which was a 60 % reduction of the balance in a XXXX lump payment or XXXX monthly installments. I declined the offer because I thought the debt had passed the statue of limitations to be sued on in the state of California. So, I decided to make a complaint to the CFPB for relief of this debt. Additionally, the Winn Law Group stated to XXXX that I declined another offer of a two year repayment plan. The law group never made an offer of a two year repayment plan to me. This is false. When I spoke to XXXX XXXX, a lawyer at Winn Law Group, I told him that they never mentioned more than XXXX option of repayment to me ; however, if there is another option for me, I would prefer a 60 % reduction of the balance with a first payment of {$3100.00} and the remainder to be divided into XXXX monthly installments of {$260.00}. XXXX agreed that this was a doable arrangement ; however, I did not hear from him anymore on the matter. I faxed him a copy of XXXX XXXX ' letter for his records. I received a letter from Winn Law Group dated XXXX XXXX, 2015 stating that they have verified my debt with XXXX and it is their intention to continue with collection activity. I was instructed to consult an attorney if I have any questions about my liabilities. I have made XXXX attempts to make a financial arrangement to settle this debt ( my XXXX offer was a lump sum of {$3000.00} dollars ) and Winn Law Group does not appear to be willing to settle this debt in a civilized manner. I am trying to avoid payroll garnishments and unauthorized withdrawals from my bank account. As a consumer, what can I do to protect my assets when I have tried to make repayment arrangements?
09/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX requesting to receive a termination letter/ release letter of all levys removed immediately. Especially the XXXX from the house in XXXX XXXX CA XXXX! My name is XXXX XXXX. I strongly feel this is a mistake error, it is unfortunate that there is a Social Security attached ending in # XXXX. This Abstract issued date XXXX XXXX. I spoke on XX/XX/XXXX ( time started still waiting for all the information ) & XX/XX/XXXX with XXXX XXXX representing XXXX XXXX Firm. I request, & By law is my right to receive a copy of the original contract. & There is none. Proving information with a signature that shows I owe, if any of this debt. I need proof of ownership, payment historys anything & everything on this is. ( as asked for many times ) office has 30 days from XX/XX/XXXX to comply & give me all this information. you must delete this mistaken debt ASAP. I also need all the creditors/Law Groups that have been involved in this court case # XXXX. Information needed is, complete legal names and address, contact information emails and numbers.. Companys License Permit Bonds which are required by law or ordinance to be engage in business as a collection agency. Information will be used to do a background check on all law firms & license numbers to confirm all legality through the state of California and Attorney General. I would like the complete information on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX to verify on our behalf as well. Copy of Proof of Service form XXXX I also have no clue or recollection on how or why the court house in XXXX Civil Process would even comply to a judgment on XX/XX/XXXX.! I the Defendant was never served or notified that 10 hours away from my home & was supposed to be in a courthouse. in LA. I live in XXXX XXXX XXXX. In Learning about this false XXXX from XXXX? I was never serviced : on this claim, & not given the at least 15 days before the court date. I feel There is so many laws Where this XXXX is being broken through Law FCRA, FDCPA & HIPPA. I supposedly have this against me because I owe XXXX XXXX XXXX & thats not true I have paper work from XXXX XXXX Bank saying I DONT owe them any money.
06/11/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 90805	Web
XXXX XXXX contacted me regarding a charged off XXXX. I advised the collector that I did not believe the debt was collectible because it was already charged off. I requested debt validation via phone, fax, and mail. I never received anything and they stopped contacting me. They then obtained a default judgement. I was never served. They never validated the debt. My paycheck was garnished and when I contacted my employer I was notified that my paycheck would garnished for 25 % until the debt to Winn Law Group is paid. I contacted XXXX XXXX at Winn Law Group and she said I owed {$1700.00} as of XXXX XXXX, 2015 and interest was still accruing. I asked her to validate the debt and she advised me it was from a XXXX XXXX collection on an XXXX account ending in XXXX. I advised her that XXXX XXXX never validated the debt and demanded that Winn Law Group validate the debt, in writing, and asked how they received a garnishment order without a court order. She said it was public record. I asked her to forward me a copy of the judgement. She declined. I have medical issues that are exacerbated by stress and I just wanted to be done with this nightmare. I offered {$1000.00} but she declined and countered with {$1200.00}. ( The most I have ever owed XXXX was {$630.00}. ) I agreed and offered to pay with a debit card. She refused and said she HAD to have my checking account routing and account number in order to make the agreement. Against my better judgement, I contacted my bank for the routing number and discovered {$820.00} had already been garnished from my paycheck. I called XXXX back and asked her to draft a written agreement that the account would be paid in full once the remaining {$430.00} was paid. She refused, saying that the amount garnished does not affect the {$1200.00} settlement amount. I refused to give her the checking information and she said they would continue with the garnishment. To date, my wages are being garnished, the debt has not been validated, the actual amount owed is unknown, I 'm not even sure it is my account, and I do n't know how they got a judgement without my knowledge.
07/23/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 90706	Web
Re : Winn Law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Tel:XXXX XXXX XXXX I filed a Chapter XXXX for the arrears of my house to help pay it off and didn't know it included my credit cards. I continued paying my credit card because I didn't know I had XXXX balance as charged-off. The last credit of my payment was XX/XX/XXXX, but I paid another one on XX/XX/XXXX. Last year a XXXX XXXX XXXX from company Winn Law Group sent me a letter stating they bought the account and was charging me {$740.00}. I replied numerous times by email, mail, fax explaining that they were my XXXX payment was not credited and they are missing the XX/XX/XXXX statement that should show my additional payment. I even sent the bank statement that contained the payment history for XXXX. I was requesting for them to credit my payments and adjust the charge accordingly. Their response email states they received my request but they can't entertain but only through phones. I called and left messages more than these that I remember but they just tell me they will call me back but never did. XX/XX/XXXX, XXXX email XX/XX/XXXX, XXXX email telephone call left a message- XX/XX/XXXX Faxed documents XX/XX/XXXX Talked to XXXX on XX/XX/XXXX In XX/XX/XXXX, I became jobless because of the coronavirus state orders. As so, I continued to request to adjust the charge sending them the payment evidence and due to financial difficulty at the pandemic time, I was asking for a payment plan. They responded with a Civil Suit Summon from the XXXX XXXX. I tried to go the court to help me with how to fill up the reply form but no department nor attorneys would help me for a {$750.00} collection case. I am in such financial difficulty I can not afford to spend to court and attorney fees so please help me settle this with this company. I have spent a lot of time trying to contact them and this pandemic and this job insecurities drive me to XXXX with an added lawsuit. Please ask the company to withdraw the lawsuit and just communicate with me
02/24/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 92545	Web
Hello, First off, I was never served. I did however, receive notice of a wage garnishment so I made arrangements with all documentation of my personal debts to appear in court. I sat in a courtroom which was noted where my case would be heard, then not realizing I was given the wrong court room number until court hearings were completed. When asked, bailiff directed me to court room office to inquire. Come to find out, I was in he wrong court room number and when I reported to correct courtroom, I was told my case had been heard and there was nothing I could do about it but that my garnishment was lowered to Winn Law Group, XXXX, Ca. I just feel as though I was unjustifiable taken advantage of without any evidence provided to me of debt amount and due to the financial hardship, I had no choice but to sell my home of 20 years before I could lose out on equity of home. In addition, I experienced unethical situations with hired real-estate agent from XXXX XXXX, unsure ( possibly XXXX or XXXX ), Ca. Started off as I hired him and as the 6-month time-frame came to closing, he unethically acted as though he was hired by buyers and did not communicate with me. Instead had wife participate in communication. Was asked by her to sign disclosures but I never did sign, so if on file, would be forgery. As well as escrow officer, at first was told, she could not assist with any assistance in signing or advise but then as closing approached and I arranged to meet up with her to present notarized documents, she was quick to assist me with completing FIRPTA, Real Estate Transfer Disclosure Statement and other documents at XXXX XXXX in XXXX, Ca. Whom also asked to sign off on XX/XX/XXXX Real Estate Withholding Statement because I was previously presented and signed off on the wrong one for XX/XX/XXXX. I never signed anything, therefore, if on file, would be forgery. I thank you in advance and can present any documents required. Please feel free to contact me if needed ( XXXX ) XXXX. Best regards, XXXX XXXX
12/04/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 90045	Web
After I have been trying to settle this debt for over 1 year and the company never responded to my many attempts, I contacted CFPB and all of a sudden Winn Law Group was able to respond, but still did not provide a written settlement. I had to file another complaint first. With all this time past and Winn Law Group falsely filing a lawsuit against me, I had many unexpected costs caused by Winn Law Group and their lawyer Mr. XXXX : I had to send over 10 priority mail letters, I had to drive to XXXX Court 3 times, wasting money for gas etc. The original amount I had offered Winn as a pay-off quote {$850.00}, is not available anymore. I have been without work since XXXX. No work, no money. I am a single parent with a minor home schooling child and with this pandemic hardship and all the costs caused by Mr. XXXX, I am only able to pay a one time settlement of {$200.00}. Furthermore the settlement agreement that Winn Law Group sent me for the {$850.00} was not signed - IT NEEDS TO BE SIGNED BY THEM. PLEASE HAVE THEM SIGN THE NEXT SETTLEMENT OFFER THEY MAIL TO ME, otherwise it would not be valid, the one I received is not legitimate. Also, Mr. XXXX and his firm have caused me immense distress by suing me, when I had been trying to pay the debt. The distress has caused me illness, XXXX for months. They should offer a compensation for mistreating people, harassing others and making them sick. I should receive money for compensation from them. Furthermore, I received a phone call again today from the company " XXXX XXXX '' claiming that THEY own this XXXX Card CC Debt ... They claimed they had sent me a settlement offer a while ago and I should pay THEM .... Please explain and investigate! They called from phone number : ( XXXX ) XXXX
08/07/2016	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	CA 935XX	Web	Older American
When my ex-wife failed to make payments on a leased car so I had the car picked up when we separated. XXXX XXXX turned us over to collection and in 2008, a judgement was was entered by XXXX XXXX XXXX , XXXX. The original damage was {$9200.00}. This amount was for the full price of the car. The car was sold at action for {$8600.00}, leaving a total of {$650.00}. I foolishly walk away from this mostly due to ignorance. In the meantime, I went through a divorce and XXXX and did n't have the funds to hire an attorney and did n't know how to handle this myself. Subsequently, my wages were garnished for a total of {$4200.00}, paying a 3rd party ( XXXX XXXX ) {$690.00}. XXXX XXXX XXXX now has {$3500.00}. On XX/XX/2016, I went to court to vacate the judgement on the grounds that the default judgement was acquired by fraud. I was never served. My son, age XXXX, was served at his address. I have never lived there and I was XXXX years old at the time. My credit reports confirm age and addresses and I assume a credit company had them in their possession. Also, the AKA XXXX XXXX XXXX is only on my birth certificate. I have been XXXX XXXX XXXX on school records, military records, medical, IRS, SS etc. It was a misspelling at the time of birth. ( The attorney failed to mention this at the hearing last week. ) The judge ruled against me due to the 8 year time lapse. I have offered XXXX {$2000.00} max for a settlement, but have not heard back from them. That would be a total of {$5500.00} that XXXX would have in profits. I want to know how much I really need to pay this collection company. I feel I 'm beginning to pay for the car for the second time.
04/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 90808	Web
Dear Consumer finance Bure. I'm trying to remove a lien against to my house. Lien was put by Win Law Group. I refinance my house in 2005 with XXXX XXXX XXXX. XXXX XXXX XXXX was supposed to pay off {$9500.00} from XXXX XXXX XXXX XXXX XXXX to XXXX. Washington XXXX XXXX or the XXXX XXXX XXXX never paid the loan to XXXX. the XXXX tried to collect the money from me which I thought it was all ready paid off. The loan went to collection and that ruined my credit score and I'm not able to get a car loan or refinance my house. Since then I have been paying very high interst on my credit cards and all of the loan that I apply. The collection company Win Law Group take over the collection and took me to court for {$1700.00} and levyed my bank account of about {$800.00} and put lock on my safety deposit box, which have my daughter 's and my passport in it. I can't get it out until this day. I'm trying to refinance my house to pay my x- husband and no one wants to give me a loan because I have a lien against my house from Win Law Group for {$19000.00}, which was XXXX XXXX XXXX faults, now own by XXXX XXXX . I called XXXX XXXX and Win Law Group no one wants to help me to remove the lien off my house. XXXX XXXX XXXX is not exist anymore, I can't get hold of the Escrow company or the XXXX XXXX XXXX. Please help me to remove this lien against my hose and find out what happened to the money that I paid to them. My mortgage loan is still with XXXX XXXX they been collecting interest on this loan and Win Law Group been collecting interest and late charges on this loan, now it is add up to {$19000.00}
12/07/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 90045	Web
I have been trying to fix this problem for a long time ( over 15 months ), have offered pay-off, settlement etc. Company keeps calling me on a daily basis, about 3-6 times per day from different numbers. XXXX ownes this debt. Winn Law Group calls me all the time, instead of providing a signed settlement in writing - they have provided a setetlement, but with amount too high, I had explained to them that I am under a single parent COVID-19 hardship with no income since XX/XX/XXXX. RThey sent me a settlement that they did NOT SIGN, amountb too high. They need to provide a settlement offer that I can AFFORD and that they SIGN before they send it to me. A printed out settlement offer NOT signed is not valid and I can NOT send any money to them if it is not legitimate and SIGNED!! They also need to assure that they will dismiss the lawsuit against me within 10 days after receiving the 1-TIME SETTLEMENT PAYMENT, that they will provide a copy of the dismissal of the lawsuit to me within 15 days, that they will refrain from suing me about this matter and the remaining balance in the future, that the entire debt will be dismissed with my one time payment of {$200.00} They just called me again from a robo-call saying they are offering a disount, press 0 - when I pressed 0 the call was being disconnected. Another company - XXXX XXXX - keeps also calling me, claiming they own this debt and that I have to submit payments to them ....
11/12/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	CA 90045	Web
I have tried to pay this debt since 2019 - however they sued me, illegally, even though I was always willing to pay this debt, and lied to the court claiming I was unwilling, when I have priority mail receipts that I have requested a pay-off quote, a settlement with them. Now they responded to you that they will accept a payment, but they still have not sent anything to me in writing, no confirmation, no official settlement statement that with a one time payment of XXXX. amount this debt will be settled ones and for all and confirming that they will take no further actions and will dismiss the lawsuit against me immediately etc. - NOTHING - NO DEBT SETTLEMENT AGREEMENT, no letter or agreement from them at all. What they are saying/writing to you is not true, they have not contacted me accepting any settlement, agreeing to any pay-off quote, I have not received anything from them, while I have sent them 5 priority mail letters in the last few months alone, requesting information and a pay-off quote and settlement. PLEASE ASK THEM TO PROVIDE A COPY OF THE LETTER TO YOU WHICH THEY CLAIM THEY HAVE SENT TO ME AGREEING TO A SETTLEMENT - I have NOT received anything. Thank you! Kind regards, XXXX XXXX PLEASE FORWARD ALL INFORMATION AND ATTACHMENTS TO WINN LAW GROUP AS WELL AS TO XXXX ( so XXXX can see how their lawyer treats and intimidates people and does NOT get in touch with people who are willing to pay debts )
09/04/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 95834	Web
I contacted the Winn Law Group to get information on a collections account that is being handled by them. They told me they could not give me any information because I was being represented by an attorney. I told them that was no longer the case, they asked that I send that in writing. I sent that in writing as requested, then I call back and they tell me they still cant give me I formation because the letter doesnt state that Im validating the account ( which they never asked me to do that in the first place ) I call back and ask why I wasnt told that because i could of easily done that the fist time. Once again I sent what they requested, another letter that stated I wasnt being represented by an attorney and that I am validating the account. I call back thinking Im going to get information finally and Im told they still cant give me any information because the letter I sent doesnt state that I am not disputing the account. At this point I am very frustrated because again I wrote what they told me to and at no moment did they say I should write that. The letter I wrote clearly stated my name, social and that I understood the balance in the account and that I am ready to pay it off / negotiate. This company is a joke. Theyre employees are not efficient at all. I have been trying to pay this off for about a month now and I still cant get any information because now they dont pick up my calls.
05/07/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95131	Web
On XX/XX/XXXX I found out that I was a victim of Identity theft after Win Law Group ( representing XXXX ) levied my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with XXXX and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter.Furthermore, my personal information showed on the XXXX XXXX XXXX XXXX is incorrect. 1. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX. 2. On XX/XX/XXXX Case the comment was Unsatisfied in XXXX County and on XX/XX/XXXX another comment of Unsatisfied in XXXX County. However, I have never lived in XXXX County of XXXX County. I only have one address which is : XXXX XXXX XXXX, XXXX XXXX CA XXXX since XX/XX/XXXX. I have tried to dispute this ID Theft issue with Win Law Group and XXXX XXXX, hoping to remove this case and have a refund of the levied amount. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
11/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95131	Web
On XX/XX/XXXX I found out that I was a victim of Identity theft after Win Law Group ( representing XXXX ) levied my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with XXXX and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter. Furthermore, my personal information showed on the XXXX XXXX XXXX XXXX is incorrect. 1. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX. 2. On XX/XX/XXXX Case the comment was Unsatisfied in XXXX County and on XX/XX/XXXX another comment of Unsatisfied in XXXX County. However, I have never lived in XXXX County of XXXX County. I only have one address which is : XXXX XXXX XXXX, XXXX XXXX CA XXXX XX/XX/XXXX. I have tried to dispute this ID Theft issue with Win Law Group and XXXX XXXX hoping to remove this case and have a refund of the levied amount. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
09/11/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 92503	Web
Back in XXXX I stopped making payments on a {$1600.00} XXXX credit card as my identity had been stolen and was going through financial difficulties. It seems that in XXXX XXXX decides to sue me but I was never served. XXXX attorneys put a judgement against me and continues to try to collect the debt. I settled the debt with XXXX back in XXXX XXXX and part of my settlement condition was that they would remove the judgement. That was not done. The attorneys are the Winn Law Group in XXXX, CA. I am now trying to sell a piece of property I own but the judgement is showing up on my credit report. When I got the information from the escrow company as to who to call, I called them and they sent me a letter trying to settle the debt that I had already settled and the amount had gone up to {$6400.00}. I got a letter from XXXX that my account had been settled and to please remove the judgement and my name from their list back in XXXX XXXX, XXXX. To date, I have not received a response from them and the judgement still appears in my credit report. I called XXXX and they told me that there is nothing they can do because the judgement was entered by Winn Law Group and that Winn Law Group has to remove it.
11/14/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90680	Web
XXXX XXXX, 2017 XXXX XXXX XXXX with held the fund {$2200.00} in my bank account due to a Notice of Levy Under Writ of Execution in the amount of {$30000.00}. I did n't know where this debt came from. I received a judgement letter notifying me of the bank levy on my account after the withdrawal had already taken place. I was short on all of my rent and bills. I contacted the Winn Law Group that filed the judgement and asked to provide me more information on the debt amount, but I was given the run around with no resolves. I did sent them a follow up letter regarding clarifying the debt and collection. In addition, I contacted the Sheriffs department that executed the bank levied but they ca n't help me or release the funds. I check my credit report on with 3 major credit reporting agencies and found no debt or collection account in the judgement letter. This collection is a misrepresentation on the part of the Winn Law Group and falsifying the judgement with the local court. I 'm a XXXX XXXX and low income with my wife and XXXX children. I need the CFPB to help me investigate the law firm and get my funds release with XXXX XXXX XXXX. So I can pay rents and living expenses. Thank you
03/03/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92115	Web
The attorney has engaged is unfair and deceptive practices in violation of FDCPA in his actions related to the attempted collection of a credit card debt which his firm bought from another agency. The debt is time barred, and as such can not be used as grounds for legal action. This attorney referenced an entry of judgement for which I was not aware nor properly notified nor properly served. In my attempt to resolve the debt in good faith, I provided financial information as a means to establishing a repayment plan. The attorney represented that they would cooperate with me in arriving at resolution. Instead, the attorney, without due notice levied my personal bank accounts. With the difficulty I have encountered in making contact with this attorney and his firm via phone, email, and correspondence via mail, I have not been given sufficient opportunity to communicate effectively nor has the attorney been forthright in their communication with me. My demand is that this attorney immediately be order to cease and desist all and any actions against me in the matter of collecting a debt, and be investigated by your office for disciplinary action.
02/29/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 95776	Web
In XXXX of XXXX I leased a car from XXXX. Along with my down payment they had offered me a credit card in the amount of {$2500.00} to also use towards the down payment. I told them that I was not interested. I did not want a car payment plus a credit card payment. Gave my down payment signed all the paperwork and drove home in my new car. The spring of XXXX I received a letter from a Law Firm stating that I was being sued for an unpaid debt in the amount of {$2800.00}. I am XXXX so I had my Mom call. She told them that the credit was not mine and that I have never even had a Credit Card. Never heard from them since. I am know looking for a house and I have been unable to even be considered a potential tenet due too a collection on my credit report. After looking more into it I am now finding out that it is the credit card from the XXXX XXXX where I got my car. I never authorized the use of a card. It could of been from the lack of communication due to being XXXX. Plus the corresponding statements that I now have in hand doesn't even have my correct address. This is why I never knew of this situation too even take care of it back in XXXX.
07/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92647	Web
I have received a letter form WINN Law Group dated XX/XX/2017. It stated that the creditor ( XXXX XXXX, XXXX Case Number : XXXX ) referred the debt ( {$6700.00} ) to WINN Law Group for collection. There was an attached showed the Assignment of Judgment from Superior Court of California XXXX XXXX County, District. ( Please see Attached : WLG 1st Letter ) I have wrote a letter to WINN Law Group asked for further verification because I believed that I have no responsibility for this debt and the person under the Judgement was not me. WINN Law Group sent me a second letter dated XX/XX/2017 with more evidences such as the debtors social security number, date of birth and address. Obviously, none of these was match my identity. I wrote a second letter to WINN Law Group convincing them that I am not a person responsible for this debt they have a mistaken identity and asked them to remove my name from their record. Please see Attached : WLG 2nd Letter ) Yesterday, I have received a letter from XXXX County of California Clerk-Recorder to inform me that a lien has been claimed by WINN Law Group against my property. Please see Attached : Lien )
01/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 906XX	Web	Servicemember
I Contacted the Winn Law Group who are located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I contacted them at XXXX XXXX XXXX XXXX on XX/XX/21, XX/XX/21, XX/XX/21 and left messages on their voice mail system. I never received a return call. On XX/XX/21 I spoke with customer service clerk XXXX at extension 107. Faxed and emailed paperwork requested. XX/XX/21 -called to follow up and left a voice mail. XX/XX/21 -spoke with XXXX ( customer service supervisor ) informed her the requested collection was not my debt and asked the process to dispute this account. I was placed on hold for for 1 hour. I then attempted to call back and was forwarded to a voice mail where I again left a message. After calling and pressing another extension I spoke with an XXXX who stated " no one was available, and I could not speak with anyone ''. I asked to speak to any lawyer who was available and he then stated he would transfer me and the phone disconnected on the business end. I called back and was forwarded to voice mail. I left a message and yet to receive a return call. XXXX Left a voice mail.
02/22/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92054	Web	Older American
Hello, I am attempting to lodge a complaint against debt collectors and law firms who work in conjunction to pressure and threaten individuals by suing them in State Civil court ( California ). They have created their own industry, to enrich themselves and prey on citizens who can afford no real defense for themselves, and I am including myself. By suing them in state court as apposed to Small Claims court. They create an environment in which the defendants have no previous experience or knowledge and therefore are prevented from offering any real defense for themselves. These collection agencies, which are mostly paying pennies on the dollar for these outstanding loans, then turn around and demand a repayment of at least 70 %. Which should be construed as illegal Usury. I am talking about thousands of suits brought to court every week in the state of California. The plaintiffs attorney ( who was a paid litigate stand-in for most of the firms who were due in court that day ) explained to me afterward how terrible this practice was and that it had been going on for at least 8 years.
03/11/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 94306	Web
Winn law group aggressively started their collection efforts for the XXXX XXXX account back from XXXX which was already stipulated and paid by the client on XX/XX/XXXX. Winn law states there is a law suit and threatened the client to renew legal complaint because they have not received any payments on the account and are demanding a full pay plus legal fees of On XX/XX/XXXX they issued a letter stating that attached judgement is sufficient documentation for debt validation. But failed to attached this judgement with their letter. After contacting XXXX XXXX the original creditor, we learned that client XXXX XXXX has NO past due obligations to the bank and that XXXX XXXX does NOT work or assign accounts to Winn Law. Winn law states their client is XXXX XXXX XXXX XXXX who supposedly have not received any payments or acknowledges any record of settlement. However, on XX/XX/XXXX XXXX has issued a settlement agreement to accept less than full amount in lieu of resolution of this account. And on XX/XX/XXXX funds have cleared client 's checking account. ( attached proof of payment ).
01/31/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94579	Web
I recently found out that I was a victim of Identity theft. Someone used my personal information to open a loan with XXXX XXXX XXXX about 15 years ago. The current balance is {$11000.00}. I believe this creditor is located in the State of Ohio, where I never have lived. I have been a California resident for my whole life. In addition, I have never received any type of communication regarding this matter. I was never served or receive any summons from the court. I never had a chance to go to the court and defense myself on this case. I already filed an ID Theft report and a Police report on this matter. All the required documents were sent to Winn Law Group, current collector, I believe. According to the Fair Credit Report Act, Winn Law Group is supposed to stop all collection activities and dismiss the judgement resulting from ID theft. However, we did not come to an agreement on this matter. Therefore, I'm asking the Consumer Financial Protection Bureau to promptly take action on this serious matter. I'm willing to provide all the proof for this fraudulent case.
04/08/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 932XX	Web
I have been attempting to ask The Winn Law Group for help due to my health complications and financial hardships I have been experiencing. In my last communication to them I explained in detail my financial and labor problems that are causing me to be unable to pay my accounts. My representative contacted The Winn Law Group for help and offered on my behalf {$800.00} dollars to settle in full, but they simply demanded I hand over {$1100.00} to settle this account. Unfortunately, I dont have {$1100.00} since my monthly income is around {$900.00} per month, just last month was {$860.00} ( please find the attachment ) and I must pay my basic living expenses ( please find attachment ). It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope my offer be deliver to the owner of the debt XXXX XXXX XXXX and that the regulators see what The Winn Law Group is doing to consumers, even low-income student. Because my work is not an essential industry, I was impacted to Covid-19, and at this point I dont have any source of income.
05/09/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 94547	Web
XXXX Bank was a XXXX lean holder for a XXXX XXXX Focus I purchased in XXXX. I purchased the vehicle for XXXX with XXXX percent APR. The vehicle was reposed due to the payment being made to the wrong company. They resold the vehicle at auction for XXXX Which paid off the loan completely. In XXXX I recieved a letter stating their was a judgement against me and that I owed {$55000.00} which the original amount was paid. The company representing XXXX Bank which is XXXX XXXX XXXX. The creditor is coming after me by requesting a wage garnishment from my employer. They recently took out {$1000.00}. This Company is going after me during a pandemic and THE CARE ACT authorities will be notified of this debt. I am head of household. My debt to income is above XXXX percent of my wages. I need to report this debt as fraud as this is not a amount due, XXXX was originally paid off. Any further contact with me or garnishment will result in a class action lawsuit against both companies. You have 30 days to respond with a closure notice of this fraudulent debt. Thank you
05/03/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 907XX	Web
The Winn Law Firm sued me in which they told the judge that I was served. I never received the court papers I have no idea who they gave the papers to. I missed the court date.They won by default judgement. The complaint was supposed to have been mailed to me also, but who reads mail in which they have no knowledge of. My accounts was frozen, my only means of support for my son and myself. I was not on the look out for this company or the lawyers representing them because the debt was not my own. I myself and my son went without food and basic needs because of the frozen account. I had to file a response to have my accounts unfrozen. I explained my situation to the courts, because this debt had been so long ago I wasn't sure if it was mine. The debt was from 2001, so I filed an exemption but after careful research I found no record of myself applying for a XXXX Platnum Select credit card. I filed a motion to set aside due to fraud, the law firm denied my claims. I then was told by the lawyer to file a identity theft claim. I did this and they denied my claims.
03/03/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 90640	Web
I was given a Payroll Memorandum from my employer stating they will be garnishing my wages. I was totally blown away had to clue what this was for? I looked at the address from the paper work it 's my sister address. I called the number listed they stated it was served to that address which i never lived there. I use my sister 's address to get packages shipped. The collector states he was awarded to garnish my wage due to me not showing up to court on a debt that was charged off from the cc company in 2012. I filed a dispute with that collector company and they stated you can file but? we are still going to garnish XXXX % from your employer. The paper work says XXXX Sheriff Levy and then says filed in XXXX, Ca. I do n't see how companies can do such a thing? Seems like total fraud a credit card company has charged off on the debt 2012 ... how can they harass and individual and then embarrass me at a new employer? I ca n't sleep and have been sick to my stomach over this. I am barely getting on my feet financially. Please let me know what I can do?
08/11/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 90640	Web
I was given a Payroll Memorandum from my employer stating they will be garnishing my wages. I was totally blown away had to clue what this was for? I looked at the address from the paper work it 's my sister address. I called the number listed they stated it was served to that address which i never lived there. I use my sister 's address to get packages shipped. The collector states he was awarded to garnish my wage due to me not showing up to court on a debt that was charged off from the cc company in 2012. I filed a dispute with that collector company and they stated you can file but? we are still going to garnish XXXX % from your employer. The paper work says XXXX Sheriff Levy and then says filed in XXXX, Ca. I do n't see how companies can do such a thing? Seems like total fraud a credit card company has charged off on the debt 2012 ... how can they harass and individual and then embarrass me at a new employer? I ca n't sleep and have been XXXX over this. I am barely getting on my feet financially. Please let me know what I can do?
03/27/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92374	Web	Servicemember
To whom it may concerned, I am respectfully requesting help with a law firm/debt collector, Winn Law Group, in which I have recieved 2 letters threatning legal action if I did not contact them for a resolution. The last letter I recieved was XX/XX/2020, notifying me that they intend to enforce legal proceedings to obtain payment. I have tried numerous times to contact them by phone and email and have been unsuccessful. They have an email address of XXXX in which you will recieve an automatic reply that they do not respond to emails. If you call there phone number, ( XXXX ) XXXX, you will be directed to leave a message in which you will never recieve a call back. I had to do a web search to try and find any other possible way to communicate with the Winn Law Group and discovered a website of Winnlawgroup.com, in which you can submit an offer regarding your debt and I proceeded in submitting and completing that option, unfortunately I still have not heard anything back, nor did I recieve a confirmation that I submitted anything.
02/20/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 95747	Web	Older American, Servicemember
Hello on XX/XX/XXXX I was served with a retainer letter on the attempt to collect {$5200.00} from the original Creditor XXXX XXXX by XXXX XXXX XXXX contacted XXXX XXXX XXXX to help me correct the issue according to my recollection everything went fine 2 weeks ago I came across this other letter on XX/XX/XXXX with the same XXXX XXXX XXXX with a different Law Firm WiNN LAW GROUP I have been searching all over the internet called all sorts of law offices to no avail today I came across this site Consumer Finance.gov because during the research I spoke to this fine lady she mention this site I'm ever so thankful now I find myself in a situation with no help in sight I'm so worried thta they might start to garnish my XXXX XXXX I have a very small hours part time work and that sums it all please help me in any way for guidance to solve this humongous problem for me that is ..in one of my interviews with a attorney last night he mention that XXXX XXXX XXXX failed to filed a petition about the case to the court ... thank you ... ..
10/22/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 90045	Web
This is a XXXX XXXX Credit Card Debt from XXXX. I have been trying to settle this debt for over 1 year with XXXX ( who owns this debt now ), as well as with Winn Law Group ( their lawyer, Mr. XXXX ) - however, XXXX says they can not receive payments, because Winn Law Group is handling this for them. I was told by XXXX to contact Mr. XXXX, but this is imposible, since he refuses to speak to clients. I have called more than 50 times, I have left more than 40 voice messages on his answering machine in XXXX as well as XXXX. The phones are being answered by different receptionists - I have records of all the dates and times and names when I called. I have asked for call backs, but Mr. XXXX has never responded to my many attempts in over 1 year. I have made many good faith attempts to settle this debt, but Winn Law Group, Mr. XXXX, are unwilling to talk to clients, to respond to emails or priority mail letters, he prefers threatening people to sue them even when they are willing to negotiate and pay.
08/06/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91405	Web
Time-Barred Debts ( OLD DEBT ) If you have old debts, collectors may not be able to sue you to collect on them. That's because debt collectors have a limited number of years known as the statute of limitations to sue you to collect. After that, your unpaid debts are considered " time-barred. '' According to the law, a debt collector can not sue you for not paying a debt that's time-barred. I have WINN LAW GROUP collecting on it from my paycheck. I assume financial responsibility raising a family and supporting 100 % my permanent XXXX Mother for 4 years now. I cant afford such cut back of wages putting my daughter, wife and mother at risk of losing everything. Rime-Barred Debt is illegal to collect on by the FDCPA and the FTC. Amount of 25 % of my paycheck is going to a debt which became a tax write off for the bank and a profit for WINN LAW GROUP buying it pennies on a dollar. Total debt WINN LAW GROUP wants to collect of {$6500.00}
01/28/2019	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	TX 77354	Web	Servicemember
I received a XXXX credit card in XX/XX/XXXX. I was married and in XXXX when the card was received. I went through a divorce in XX/XX/XXXX. I was notified XX/XX/XXXX that I owed {$3600.00} from a collection agency called Winn Law Group located in XXXX, XXXX. XXXX. I asked for documentation because I thought it had been paid off through the divorce. I have never received anything from this so called company. Now, seven years later, my bank account was levied {$74.00} on XX/XX/XXXX. I spoke with XXXX from the collection agency and she had little to no information. I have lived in XXXX for three years now and apparently the agency has been supposedly sending paperwork to an address in XXXX, where I never received mail but owed and sold. I have committed time and effort into this and I can not find any supporting documentation for this. Also, they took money out of an account in a different last name than mine. Please help.
01/15/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 90602	Web
Yesterday evening I received a call from my employer notifying me that there was a wage garnishment order from a law firm by the name of Winn Law Group. The order is requesting more than 25 % of my check, as a single mother during COVID this seems excessively cruel and perplexing. Perplexing because it claims the debt is from an agency by the name of XXXX. I have never heard of XXXX or Winn Law Group in my life, have no idea who they are or why they claim that I owe them {$7000.00}. They have also claimed that I was served with this order, however, I have not lived in the address they have on file for over two years now. I contacted the law group this morning and they claimed that because there was a settlement on the suit and an order made to garnish wages that there was no recourse or opportunity for me to settle the matter. However, again, I have no details for what this debt is for. Need urgent help on the matter.
09/22/2019	Yes	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	CA 93534	Web	Servicemember
Winn Law group on the first hand will never answer their phone and will keep you on hold until you basically give up. I even went to their office location and was threatened that they would call the police. This lawyer has some sort of serious ax to grind with me personally and they are collecting on a debt that they already successfully garnished my wages and the full amount was collected until they came up with an amount and even placed a lien on my home. They go to court without even notifying me to defend myself and pray upon me as if I am some sort of evil person. This XXXX XXXX XXXX refuses to even call me or make any contact. How is this type of evil allowed to collect from a debt collector that will not take my calls and even let me know anything? I do not know what the original debt is can someone help me??? Also they list they are the lawyer for XXXX XXXX and XXXX???
06/08/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92626	Web
XX/XX/2019 Winn Law Group responded to my complaint filed against them and XXXX XXXX for wrongfully garnishing my {$1200.00} on XX/XX/2019. In their statetments, XXXX instructed them to remove the levy and return all the money they took from me. The letter ends without providing any Information on how, when, and what way I can expect to get my money back from them in full. They provided only the front desk number and the name of the assigned attorney for me to contact, and the horrors continued. After 20 days and numerous attempts I made to reach XXXX about the money, I still have not received my money. The front desk staff refused to let me talk to him, refused to give him my messages, lied to me about his work schedule, closed down the office when they saw me coming. They have tried everything to avoid not paying me back. Please help me talk to these people. Thank you.
04/21/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 93309	Web
XXXX was notified by my employer about a possible wage garnishment regarding a judgement I had never made aware of. I was shocked when I found it this legal action was filed in 2012. I was not properly served, and I have a very strong suspicion that they purposely lied about whom they served in order to push this lawsuit through and obtain a default judgement. Furthermore, the law firm has engaged in unfair and shady practices by attempting to use outdated writs to try to seize my property. When I spoke with they Winn Law Group, a nd asked them why they did n't serve me personally or attempt to contact me back in 2012 to resolve this, they were extremely rude and condescending. The debt has grown to enormous amounts and it is a clear attempt to use the legal system to inflate the debt and force me into paying close to triple the original balance.
08/22/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA XXXXX	Web
I received a letter from Winn Law Group on XX/XX/XXXX regarding a debt and account from XXXX??? I never received a summons, later found the paperwork submitted to the court was false!!! I was never served and after not receiving the needed paperwork from Winn, I obtained paperwork from the court myself, where I discovered false paperwork had been submitted by Plaintiff to the court, and I also found the Plaintiff has a court lean against my property too since I failed to appear for the hearing??? I have sent a total of three letters to Winn and in my last letter dated XX/XX/XXXX in which I offered to pay in-full a cash settlement of {$1800.00} and I also requested if the settlement was accepted by Plaintiff they remove the leans against my home. As of today I have NOT received a reply from Winn Law Group, as is why I have filed the cfpb complaint.
05/07/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92394	Web	Servicemember
This account was established over 10 years ago. I closed it by choice between XXXX and XXXX. I informed the creditor at that time that I needed to arrange a lump sum payoff settlement amount because of financial hardship but they declined my offer. However, I continued to make the minimum monthly payments until XXXX. In XXXX, I became financially unable to make the payments anymore and the account went into default. Recently, my husband was given a summons by the lawyer of the creditor for a law suit against me. I called the lawyer and tried to negotiate a lump sum settlement amount of {$3000.00} but it was denied because he said it was too low. I can not afford the {$6000.00} settlement he countered. The main point is that the debt is too old to be sued on and the debt has been discharged on my credit report for quite some time now.
11/17/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web
I received a letter from Winn Law Group that indicated their intent to file a lawsuit for an aggressive collection agency XXXX, XXXX, that only recently obtained an account from XXXX that I had been making small payments on. They use excessively aggressive tactics and when I attempted to call them indicating at the time that no law suit had yet been filed they tried to claim I needed to pay the entire debt off or in several large payments, which I indicated I could not do. They showed no respect, courtesy, or flexibility, and demanded I provide them a lot of documentation about my current income. Before this could be gathered I was served with the evidence of the legal summons. This company uses very aggressive and threatening tactics, and makes no attempt to first reach individuals with reasonable collection strategies.
04/06/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 90036	Web
This organization garnished my wages. Once I received a notice that my wages were garnished without any prior notice of either the lawsuit or the judgement, I made several good faith attempts to reach out and negotiate and/or resolve the debt and they refused to answer my calls or respond to any of my attempts to negotiate. this was done in bad faith as the collector informed me on the single occasion that I was able to speak with a representative after finding out that my wages were garnished, that since my wages are already garnished they will probably not return my calls to negotiate. They also failed to inform me of the exact amount of my debt and after my employer sufficiently paid the debt by garnishing my wages, they requested further payments of an amount that is unknown to me as they refuse to answer my calls
06/24/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	CA 90808	Web
I borrow a loan from beneficial it is amount of $ XXXX.in XXXX I refinance my house in XXXX XXXX XXXX paid off that loan. I have a lien against this loan on my house from Winn Law group, XXXX XXXX XXXX XXXX. I want to them to remove the lien it is for {$19000.00} lien. I can afford to pay that lien and it was paid off through XXXX XXXX in XXXX. This shouldve never be on my record and this ruin my credit I am having a hard time refinancing my house because of this lien. I have called Winn Law Group they said theyre working on it but since last 5 month they have not done anything to take care of this problem and Im about to lose my house. my ex husband is taking me to court to make me to sell the house if I sell the house my daughter and I have no place to go except to being homeless.
05/24/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 92879	Web
I received wage garnishment at my employer from Winn Law Group collecting alleged debt for XXXX XXXX. They claim the filed a judgement against me but I have no knowledge or documentation regarding this alleged debt. They claim I was served but documents and proof of service claims they served a XXXX XXXX who does n't exist and I have no knowledge of who that person is. I asked for debt validation from Winn Law Group or XXXX XXXX and they have failed to provide it. I just want clarification on this alleged debt. I have attached documents that Winn Law Group has provided along with false proof of summons fromXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Please help me to get these companies to comply with debt validation and have them investigate. Thank you
10/23/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 95127	Web
Winn Law Group is very unprofessional, rude and illegal! Attempting to collect on a very old debt from XXXX ... .this account was an identity theft in first place and XXXX received dispute complaint back in 2015 and I NEVER received any collection notices from them and all of a sudden now collectors from WINN LAw group are threatening to arrest me if I didn't pay the full balance owed immediately? .... I'm on XXXX which is my only income and they are threatening to levy my accounts and garnish my XXXX pay .... Isn't this illegal to do? ... please help WINN Law Groups claims to be collecting for XXXX, who stated they do NOT have any past due balances on this account or in my name .... XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX
10/28/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92262	Web
I was been paying a no interest debt every month and my statements do not accurately reflect the outstanding loan balance as Winn Law Group continually bills me monthly with a higher balance then I owe. I've tried to contact numerous times both by email and phone number and given the run around every time. The last time I spoke to XXXX of Winn Law Group was XX/XX/2021 and most recent email was XX/XX/2021. When I'm able to speak with XXXX or other assistants, I ask direct questions regarding contact the Winn Law Group directly and given an entry level contact email that in turn puts me through the same run around as she said : " The attorney is in trial, but I spoke with him and I don't have authorization to give you his email ''
03/16/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 923XX	Web
I had a debt with XXXX credit card. XXXX charged off the debt a third party debt collector picked up the debt and sued me in court recieving a judgement against me. I live in the state of california, the law here states a third party debt collector can not sue a person in a court of law, they may contact the individule and try to collect but they may not take them to court. Also this third party debt collector sued me in court after the statute of limitations ran. They keep harassing me with letters saying they have a judgement and they are going into my bank account or worse. This Winn Law group must be stopped with such illegal practices. Please help me to get these people off my back and stop them from further harrassment.
07/31/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 95621	Web
I was mailed a judgement this weekend. The judgement was for a credit card I shared with my ex husband over 10 years ago. He agreed to pay this debt in our divorce. I have not received any collection notificAtions or a summons to court in regards to this matter. I was simply served a judgement. The account is so old it does n't even show on my credit report so I can obtain the date the card was closed. It is far beyond the statute of collections as per the California site I looked into. I am not sure how they can enter a judgement without my presence or notification on a debt so old I ca n't even get information regarding it 's validity. For all I know my ex husband paid it years ago.
04/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91401	Web
I AM VICTIM OF AN IDENTITY THEFT, AND WHT TAT MEANS IS SOME ONE STOLE MY INFORMATION AND PRETENDED TO BE AND OBTAINED A LOAN THAT IS NOT MINE. NOT ONLY MY CREDIT WAS STOLEN, ALSO MY EMAIL, OUR MAIL BOX AND BANK ACCOUNTS. NUMEROUS TIMES I HAVE REACHED OUT TO CREDITORS AND WITH PROOF THEY WERE ABLE TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. BUT THIS ATTORNEY KEEPS SENDING ME LETTERS AND REQUESTING TO SETTLE SOMETHING THAT IS NOT MINE. I DON'T UNDERSTAND IF THE CREDITOR HAS ALL MY DOCUMENTS OF PROOF THAT THIS ACCOUNT WAS FRAUDULENT WHY IS THIS ATTORNEY ASKING FOR MONEY. AT THIS POINT I BELIEVE THIS IS A SCAM AND THE ATTORNEY IS TRYING TO COLLECT MONEY.
03/19/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 91775	Web
I paid the debt in full in XX/XX/2008 and received a notarized letter from them stating that this debt was paid in full and that I no longer owed them any money. They contacted me a little over a year ago regarding this. I called and spoke with someone who had me fax over the paperwork that I have showing that it was paid in full. I called again to confirm that he received it and he said that he did and that everything looked to be in order. He said that if he had any other questions that he would call me back. I never heard from them again until just recently when they sent me the same paperwork again. I paid this debt off 7 years ago.
02/15/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91801	Web
I have been served documents by the Winn Law Group who is representing XXXX XXXX XXXX XXXX XXXX which was dated on XX/XX/XXXX for a non-existing debt. I made 4 attempts to contact their office number which is XXXX XXXX XXXX and it goes straight to an answering machine. I made a 5th attempt and a secretary picked up than she transferred me to an answering machine which belongs to a XXXX XXXX. The message I left for XXXX XXXX on his answering machine was to inform him that I would like documents of the said debt, this is the wrong person, and I have a letter from XXXX XXXX XXXX dated XX/XX/XXXX that there is no debt. I
03/23/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 94578	Web
This judgment is from XX/XX/XXXX I wasn't aware of this collection action until XX/XX/XXXX. Company garnished my wages through XXXX county and I filed for an exemption for {$20.00} a check. This was approved. They then filed another judgement for the same case number in a different county for 25 %. This is against the law. Not only is this judgement from XX/XX/XXXX and I wasn't even aware of it. I was never served or anything. But they were garnishing me for more than 25 %. Now they want me to pay them directly {$80.00} a month so the sheriffs department doesn't collect fees and they get more money. Please help.
07/13/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 92105	Web
I WAS SUED AND THE LAWFIRM SERVED A MINOR. WITHOUT KNOWING MY RIGHTS, I OFFERED TO MAKE MONTHLY PAYMENTS ON WHAT I BELIEVED I OWED. SINCE THEN, THE LAW FIRM CAN NOT PROVE WHAT I OWE AND WHAT MY ACTUAL BALANCE IS. EACH BALANCE THEY ATTEMPT TO GIVE IS SUBSTANTIALLY DIFFERENT INCLUDING THE BALANCE THEY SUBMITTED ON A BANK LEVY. I BELIEVE I MAY HAVE MORE THAN REPAID WHAT I OWE BUT WINN LAW GROUP INSIST THAT JUDGEMENT INTEREST IS THE REASON MY BALANCE KEEPS DOUBLING. THERE IS NEVER A CONSISTENT RENDITION OF WHAT I OWE NOR HAVE I BEEN PROVIDED A LEGITIMATE ACCOUNTING DESPITE MY REQUESTS FOR SAME.
10/15/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92021	Web
I was notified via letter on XX/XX/20 that Winn Law Group would be garnishing my wages by 25 % beginning XX/XX/20. I called them immediately on the XXXX, I got an approval to settle the debt in whole for {$1600.00}. I went to the bank immediately, procured a cashier 's check, & XXXX overnighted the check. The check was received on XXXX PST on XX/XX/20. Today, my check from work was garnished anyway. When I requested assistance from the company for seizing my assets after they settled my debt, they told me they had done their job and would not assist me in recouping my money.
09/02/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 93555	Web	Servicemember
On XX/XX/XXXX I received a garnishment notice from my employer for an auto purchase debt that is nearly 10 years old ( approx ). This garnishment notice is attached. This debt is a time-barred debt and debt recovery is in violation of he California Rosenthal Fair Debt Collections Practice Act. It is well over the 4 year statute of limitations and judgement was files in a county I do not live nor have ever lived and is also not in a county where the debt was originated. I received no summons and did not know I was being sued for a debt that is this old.
06/24/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92626	Web
I received {$1100.00} reimbursement check from Winn Law Firm sometimes in Mid XX/XX/2019. This is not the full amount. The full amount is {$1200.00}. It's {$120.00} less. According to the Winn Law Group, the {$120.00} was used to pay itself under legal fee service. In other words, they stole my money, and then they charged me {$120.00} for stealing it. This is outrages. You have nerve. I don't care how you spent it. You took my money. You have to return it in full. Period. We are not done here. Give me back my money, now.
04/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91301	Web
There was an inquiry on my credit report by Winn Law Group out in XXXX CA. My credit report IS locked and they still got through! After searching their name on the internet, turned out it is debt collection 'lawyer ' according to the reviews. I haven't had any debt for 12 years!!! never heard of them, never heard from them! I had to put a fraud alert on my credit report and had XXXX to investigate the inquiry. How is it possible in this age and technology for scambags to have access to the post private information??!!
10/03/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 92407	Web
My XXXX saving account was levied by win law group, XXXX receivable went to court on judgement and XXXX XXXX XXXX bought the debt from??? XXXX XXXX is original debtor. the debt is old, over 7 years old and it is not on my credit report. I was not notified at all, I have been at new address 4 years, they say they sent notice to my old address. I have been at same job for 17 years. I have had same phone # for many years. I am XXXX XXXX XXXX. They took all my life savings, XXXX dollars. Is there help for me.
06/05/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92509	Web
The following is a summary of actions between me and WINN LAW GROUP , APC. After agreeing to pay the amount under condition that plaintiff and attorney for plaintiff show proof of debt, the agency in question did not yield or attempt to provide evidence supporting their claim. It is my belief that my private information was obtained illegally, therefore I contacted my local law enforcement agency to file a report for Theft of Identity under State of Califor nia Penal Code ; 530.5.
03/21/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91741	Web	Older American
Winn Law group placed a levy on our bank account, returned the money when they found it was n't us but have not responded to our many attempts to get all the incurred fee 's ( {$300.00} ) - when we contacted BBB they said to have us call them - they never answer or return calls. after looking into them- there are several complaints about this company yet they 're still in business.. Somebody can just drain your funds, and have no recourse for their error is unbelievable?
02/24/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 902XX	Web
The Winn law group has a lien on my home and refuse to settle with me. I have made several attempts to communicate with them left several messages spoke with a representative by the name of XXXX she gave me amount owed then never answered my calls again. I want to settle and they make it impossible almost as if they dont care to settle. They have my wages garnished since 2015 and never have gotten correspondence from them to clear my debt
04/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 95112	Web	Servicemember
Winn law group bought a 10 year old judgement from XXXX XXXX. Never informed of anything and had never heard of Winn before they stole all the money out of my bank account on XXXX/XXXX/2016. Called them, they informed me that I was returning my own mail. That 's a lie.I understand that Winn is a form of a boiler room for layers, I get that. They have more than doubled the debt, and I have no clue where to go from here.
03/14/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 94519	Web
I have paid {$200.00} every month using bill pay as I was told to do. After about 2 years I have not received any receipts, calls, or any form f documentation of my payments or what is owed. When I call Winn Law Group no one answers and m credit report shows no sign of this debt, however they continue to accept my check. No calls have been made to me and I have had the same number for 10 years.
01/07/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91401	Web
Winn Law Group has put a judgement on me and wage garnishment over a XXXX account I never had applied for. Every year they put a hard inquiry on my credit report without my consent. I do n't know what they want from. This is illegal practice of theirs. They need to remove this judgement off me because they have no valid proof that debt belongs to me.
05/06/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 91402	Web
Winn law group sent me a letter stating they want to levy my bank account after I asked them to stop contacting me. They sent me a letter they would cease all collection activity just a few months ago. Now they want to levy a bank account I don't have. lol. Good luck to them. They just keep harassing me at this point. They need to get shut down.
05/07/2019	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	TX 75081	Web	Servicemember
I received a letter dated XX/XX/2019 from a Winn Law Group, this collection law firm In XXXX threatening me with legal action and a judgement against me. I am not a resident of the state! The debt they are trying to collect was acquired in XXXX and has reached the 4 year statue of limitations to collect the debt in the state of XXXX.
08/04/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
My account with XXXX XXXX was closed, Winn Law office bought a close case, and started a court case by a wage Garnishment against me, I did not get a court order just payer to pay on a closed case. they are taking 25 % of my earning I have a child in college her 3rd year, now I cant help pay her school Tuition please advise. Thanks
04/07/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 95621	Web	Older American
Winn Law group continues to pursue me on a debt that was charged off in XX/XX/2011.I have asked them to stop calling me & harassing me so now they have threatened to file a judgement against me and continue with collection efforts. I have let them know that California state law prohibits them from collection activity after 4 years.
04/11/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92115	Web
I have a very old debt from 2012., was very sick., XXXX XXXX XXXX in and out of hospital. my roomate used my credit card and Id while I was in the hospital., XXXXXXXX XXXX card XXXX, I filed a fraud alert., Winn Law group in XXXX Ca . wants to sue me I am on XXXX low income. Winn Law group keep sending me nasty letters
06/05/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 92551	Web
They are using my name to pay a collection of {$340000.00}. They dont have my social and my full name, they put a link on my own house I couldnt refinance because they want the many they said these Money it was a credit from XXXX but I never had a credit on this company plase help myyy please god bless you
06/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 93552	Web
I consumer XXXX XXXX have notified this law firm on that they are violating me by saying I owe a debt. They claim to have a judgment but the law 15 USC 1692g ( c ) clearly states the failure of a consumer to validate a debt may not be construed by any court as an admission of liability by the consumer.
10/28/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 95660	Web
Winn law group apc is trying to sue me for a credit card debit over 10 years old. They claim to have served me a levy dated XX/XX/19 and I never received anything they have filed with XXXX county small claims court and this lawsuit should be happening because statue of limitations has passed
10/02/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 92506	Web
On XX/XX/XXXX Winn Law Group send me a letter on behalf of XXXX XXXX XXXX saying they are going to take action under the California las and the superior court if I dont pay the debt of {$840.00} they are going to pursue with litigation and I have to pay all the legal fees.
03/24/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 958XX	Web	Servicemember
The Winn Law Group has contacted me regarding a XXXX credit card debt that I had to stop paying on in 2009. The 4 year statute of limitations in the state of California has passed and they can no longer sue me yet they continue to call, mail and harass me.
03/01/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93727	Web
I Recieved a Wage garnishment for this credit card account on XX/XX/2018 that i did not open and was a result of identity theft. This company took out {$1000.00} from my check and i would like my money back. XXXX XXXX XXXX-ACCT XXXX {$11000.00}
06/10/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 912XX	Web
WINN LAW GROUP IS TRYING TO COLLECT DEBT THAT DOES NOT BELONG TO ME. I HAVE BEEN A VICTIM OF IDENTITY THEFT THEREFORE RESULTED AN ACCOUNT THAT DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX IS FRAUDULENT, AND NOT MINE.
11/17/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage Trying to communicate with the company to fix an issue with the application process	CA 90241	Web

08/09/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 93536	Phone

12/31/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92127	Web	Older American

10/06/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	TX 78642	Phone	Older American

09/07/2021	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 93304	Phone

09/01/2021	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 90015	Web

04/19/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 90755	Web

04/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 906XX	Web	Servicemember

04/15/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90220	Phone	Older American

03/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 95205	Web

03/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93552	Web

03/08/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95205	Web

03/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92025	Web

02/20/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92842	Phone

11/24/2020	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 91413	Web

10/09/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt		Phone

09/25/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls		Phone

09/22/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 91345	Web

09/14/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 90802	Web	Servicemember

06/20/2020	Yes	Money transfer, virtual currency, or money service Debt settlement	Problem with customer service	CA 93291	Web

02/29/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92842	Phone

02/21/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OK 73107	Web	Servicemember

02/11/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 90037	Referral

11/19/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 90002	Web

10/10/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 92596	Web

06/13/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92154	Web

06/10/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 94591	Phone

05/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90025	Web

12/10/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 91354	Phone

10/05/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 93265	Web

08/15/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92614	Web

07/19/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 94115	Phone

04/06/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 95127	Web

10/31/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91601	Phone

09/20/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 95824	Phone

07/12/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91791	Web

06/19/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 93950	Web

06/16/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95123	Web

04/01/2017	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 90266	Web

03/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91505	Postal mail

02/13/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 90065	Web

01/27/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 95901	Web

01/25/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 92563	Postal mail

12/13/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 92562	Web

11/29/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 92307	Web

10/17/2016	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92116	Web

09/08/2016	Yes	Debt collection Mortgage	Taking/threatening an illegal action Seized/Attempted to seize property	CA 95747	Phone

08/23/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 93955	Web

06/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90731	Web

03/16/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91351	Postal mail

02/05/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 94904	Postal mail

02/02/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 94590	Web

11/05/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 92659	Web

10/22/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 92659	Web

10/15/2015	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	CA 90403	Postal mail

10/06/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 91402	Phone

09/23/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 92544	Postal mail	Older American, Servicemember

09/09/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 92659	Web

03/14/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 91741	Web

01/19/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 92395	Web	Older American

12/29/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92019	Web

11/09/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 92109	Web	Servicemember

11/08/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me instead of my attorney	CA 95366	Web

09/10/2014	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 90807	Referral

03/19/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 95630	Web

01/31/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 92124	Web	Servicemember

01/10/2014	No	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	CA 95621	Web	Servicemember

12/27/2013	No	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 92037	Web

12/16/2013	No	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	CA 92301	Web	Servicemember