|
4724876
|
2021-09-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-09-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4934336
|
2021-11-21
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-21
|
| Complaint What Happened |
Last XXXX I get a call about a debt on a credit card. I told them I didnt make those charges but they kept telling me they were gon na sue and it was going against me. That it would follow me and when I got a job they would garnish my wages. I paid 2300.00 but that wasnt good enough, they then served me from my local sheriff dept. I have since then set up payment arrangements because I dont want to go to court. But again this is a bit my debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3022116
|
2018-09-18
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-18
|
| Complaint What Happened |
I received a wage garnishment notice, but this was the first I had heard about it. The company had my wrong address the whole time. I contacted them to stop the garnishment and set up payments once I found out what was going on and they refused to work with me, even though they had the wrong address the whole time.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2532601
|
2017-06-05
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Credit card debt
|
| Date Received |
2017-06-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-05
|
| Complaint What Happened |
I received notice from Lloyd & McDaniel XXXX XXXX XXXX XXXX ( dated XXXX XXXX XXXX ), stating that XXXX XXXX XXXX had referred my account to them for collection. The letter stated the amount owed and where payments could be made. I sent out a letter on XXXX XXXX XXXX ( Certified Return Receipt ) to the XXXX XXXX stating that I was willing to make payments on this account. The letter was received at the XXXX . XXXX address provided on XXXX XXXX XXXX at XXXX XXXX . No contact was ever made to me in reference to the letter that I sent, trying to resolve the debt. I also submitted a settlement offer on the firms website on XXXX XXXX XXXX and no response was ever provided. On Saturday, XXXX XXXX XXXX I receive a n otice in the mail from XXXX XXXX XXXX , XXXX stating that it had come to their attention that a civil suit has been filed against me in XXXX XXXX XXXX . I have not received notice in reference to any of the matters and I have certainly been trying to resolve the situation without having to have a judgment filed against me. This law firm does not seem to want to assist those who are willing to take care of their debts, they are automatically trying to sue and garnish wages.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1326259
|
2015-04-11
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
Credit card
|
| Date Received |
2015-04-11
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-04-11
|
| Complaint What Happened |
I received a letter of a debt owed to Lloyd & McDaniel. so I called to see what was the best route to go to repay the debt ( that I 'm still not a hundred percent sure how I got it ). We agreed that I would pay hundred dollars on the XXXX of each month until the total amount was paid. After making the first payment I got a call from human resource at my job about a garnishment from this same company. Thinking there was a mistake I called Lloyd & McDaniel the debt collector to clear the issue up. After being called a liar for fifteen minutes and being reminded that all calls are recorded which I found funny because if they listen to the previous call it would have cleared up this whole situation so I decided to end the call and try back later. I woke up to today to see my bank account had a XXXX balance, so thinking there was a banking error a called them and I found out the company in question was no other than Lloyd & McDaniel. So pretty much they lied to me to get my bank information and withdrew all my funds. It sad because I was going to pay a debt that I 'm still not a hundred percent sure about to keep my credit score high but instead got hustled by a company with no morals.
|
| Consumer Consent Provided |
Consent provided
|
|
|
998271
|
2014-08-22
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was discharged in bankruptcy
|
| Sub Product |
Credit card
|
| Date Received |
2014-08-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-08-22
|
| Consumer Consent Provided |
N/A
|
|
|
3310665
|
2019-07-18
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-07-18
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-07-18
|
| Consumer Consent Provided |
N/A
|
|
|
1316528
|
2015-04-06
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Indicated committed crime not paying
|
| Sub Product |
Credit card
|
| Date Received |
2015-04-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-04-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1923259
|
2016-05-13
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
Credit card
|
| Date Received |
2016-05-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-05-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2346128
|
2017-02-15
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Credit card
|
| Date Received |
2017-02-15
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6846243
|
2023-04-17
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-04-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-17
|
| Complaint What Happened |
Lloyd & McDaniel, a collection agency, filed a lawsuit against me in XXXX. XXXX in XXXX XXXX.
At that time, I contacted them via phone and made a verbal agreement to pay a specific amount. I made every payment ( sometimes more than required ) monthly.
They sent me a document in the mail stating that I was required to sign, but the language used in the document indicated that I was agreeing to a court judgement, which had not been made as we had not gone to court. It also added court costs to the payment schedule, which I do not recall agreeing to. I was informed by a legal advisor through my job to not sign, as no court judgement had actually been made, and in signing the documents I would be agreeing to tactics that would not normally be used without a court order.
As stated, I made payments monthly.
Recently, I found out I would have to have XXXX for XXXX, and have to take time off work. While out on XXXX XXXX XXXX, my pay would be significantly less. I asked if I could take a hiatus from payments. This request, made through multiple calls, as I could not reach the correct person for several attempts, was made XXXX XXXX. The response was 'no '. They said they would delete the payment schedule, instead.
In the meantime, my local court sent a notice to dismiss the lawsuit due to lack of prosecution. In response, the company then sent a notice ordering the case stay active in the docket. In this notice, it claims that the " Plaintiff has not received any response from the Defendant to the Complaint filed in this action. '' This is absolutely incorrect. I have made payments regularly through their telephone system, often communicating with a person to make the payment. I called in late XXXX to discuss the financial situation. Essentially, they appear to be lying to get the case to remain active.
They are requesting a default judgement, according to the document. Again, I have been making payments, and communicated with them. There is no default.
In essence, the company has tried to get me to agree to a judgement that would give them powers only a court can give, and has sent a false statement to the court.
I have screenshots of the dates, times, and lengths of my calls to them in XXXX. I can retrieve earlier call records, if needed. I have taken photos of the documents in question. I am unable to load them at this time, my phone does not want to upload. Will attempt again later.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2375111
|
2017-03-07
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Credit card
|
| Date Received |
2017-03-07
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-03-30
|
| Complaint What Happened |
I learned in 2013 a company named XXXX had filed a XXXX negative reports to the credit bureaus for a claim on XXXX and XXXX XXXX credit cards. I wrote and asked them about the reports, asked them to provide proof of a debt to which I was unaware, and to cease and desist. They mailed me statements that reflected fees and interest and otherwise gave no information. Apparently, then it was given to Lloyd and McDaniels and I wrote Lloyd and McDaniels and again inquired. Since my efforts, a suit was filed and a judgment granted, all without my knowledge even though they had my contact information and we were corresponding and talking by telephone, no one told me. I found out when my checking account began being garnished! This has caused me a great deal of stress and additional financial problems because of the garnishment. I may now have to file a bankruptcy! I need help getting the judgments repealed, the reports removed from my credit bureaus and my garnished money returned to me. This should never be allowed to happen to any American consumer. I believe these companies have acted illegally and in bad faith pursuant to Kentucky statutes of the Fair Consumer Act and the Federal Trade Commissions policies and ordinances.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2867575
|
2018-04-07
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Seized or attempted to seize your property
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-04-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-07
|
| Complaint What Happened |
On XX/XX/XXXX I got served papers from Lloyd and McDaniels. So I worked out a 50 month payment which I have paid faithfully on this and today got a lein notice of which I have no real property in this county and it was sent XX/XX/XXXX and issued XX/XX/XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2842112
|
2018-03-13
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-03-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-13
|
| Complaint What Happened |
XXXX XXXX XXXX ( Attorney XXXX XXXX XXXX ) in XXXX Kentucky was hired by XXXX XXXX XXXX LLC XXXX XXXX Summit XXXX XXXX XXXX # XXXX, XXXX XXXX NY XXXX, XXXX being a third-party collection agency who purchased the debt from XXXX in or about 2011, advising I owed {$1500.00} of which I just recently learned. XXXX placed a lien against my residence in XXXX XXXX, Kentucky for this amount on XX/XX/XXXX, it then caused to have all of my paycheck ( s ) deposited to my XXXX checking withdrawn via unknown garnishment in the amount of {$1300.00}, leaving me without one cent. The debt collection is being handled in an illegal manner, past statute debt to collect, using a third-party debt collector without proper notification, having placed a lien on my residence, then proceeding to garnish all of my funds from my checking account leaving me penniless. I never used XXXX 's credit card. I ask that I be reimbursed the monies taken from my account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8748059
|
2024-04-11
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Other debt
|
| Date Received |
2024-04-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-11
|
| Complaint What Happened |
On or around XX/XX/XXXX of 2023 I was contacted by email about a debt from XXXX XXXX with XXXX XXXX XXXX XXXX. Upon receiving this email we responded with questions about proving the debt and also a breakdown of what the charges are for. This was never provided and XXXX XXXX and his firm stopped replying as they were not able to prove the debt.
In XXXX of the same year, we received paperwork notifying me that this debt was sold to another debt collection firm ( Lloyd & McDaniel PLC ) and they were also notified through email that no proof of this debt has ever been provided and that we already requested that this debt be validated. We never received any response from the second debt collection firm. On XX/XX/XXXX, we received an approved Judgement regarding this and we were never given notice nor given time to proof that neither debt collection agency could prove the debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6449866
|
2023-01-17
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Auto debt
|
| Date Received |
2023-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-17
|
| Consumer Consent Provided |
Consent not provided
|
|
|
625335
|
2013-12-07
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2013-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-12-17
|
| Consumer Consent Provided |
N/A
|
|
|
3527632
|
2020-02-11
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-02-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-11
|
| Complaint What Happened |
I began receiving numerous phone calls every day at all hours along with letters that said I owed a debt that I didn't believe I owed. I asked my husband to contact them to find out what they were calling about. When he asked them for proof of the debt they didn't want to send it. Finally they agreed to send something. When it arrived it was only part of the story. They left off payments etc that would reduce the amount. They claimed it was what they were given as they had received it from another company and they were the 3rd party.
When we offered to pay the amount that was actually due they wouldn't accept it and threatened to sue.
Eventually they somehow got a " judgement '' on XX/XX/XXXX. We were not notified of the time, date, or meeting, whatever they had, for this " hearing '' so we couldn't be represented.
I don't know how much they have taken in the interim from my checking account because my bank hasn't notified me who has been taking the money, but it has been several hundreds of dollars.
Yesterday I was told they have somehow gotten an " Order of Wage Garnishment '' at my employers office. This one has a date of XX/XX/XXXX. AGAIN no opportunity to contest it, question it, or settle it.
These people are dishonest and deceptive in their practices. I have had no opportunity to settle the debt and resolve this. Further, I suspect it has been reported on my credit bureaus again unfairly and incorrectly.
This needs to be stopped!
|
| Consumer Consent Provided |
Consent provided
|
|
|
2249665
|
2016-12-14
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened arrest/jail if do not pay
|
| Sub Product |
Credit card
|
| Date Received |
2016-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-14
|
| Complaint What Happened |
When we purchased the first contract from XXXX in XXXX 2013 at XXXX XXXX, SC, points were XXXX and we were promised a cruise that was to be honored by XXXX but never given. A copy of that agreement referencing the cruise is in my possession. The XXXX salesperson told us about the cruise and XXXX added bonus week, not to be used with the cruise. When XXXX Representative XXXX XXXX began talking with us on XXXX XXXX, 2013 about upgrading or purchasing ( blending ) another contract in XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, we told him right away about the free cruise and 1 week. He said that would be no problem and that we were still going to receive them. We have since phoned XXXX a couple of times in which we discussed the cruise and the weeks ' vacation. When we called to firm up the plans to take the cruise, we could n't get an answer. We left messages for him to call us but we have not had XXXX call returned. We then called XXXX XXXX and she did return our call but informed us that she could not give us any relief regarding our contract. We were told that we had gone beyond the rescission date and they were very sorry but they could n't help us. She did however tell us that she would send us an application for " hardship '' but told us that the cruise issue has been assigned to some other XXXX employee in that office to work on.
After returning home from our vacation, XXXX of those days being completely lost at XXXX and explained hereafter, we were reviewing our documents and found that our monthly payment was going to be {$930.00}. We 're both retired and on fixed incomes. Our sales rep, XXXX XXXX, asked how much we would " feel good '' about paying per month. I told him between XXXX and five hundred dollars. The number of points that we purchased were never discussed until the signing because on that day, we were informed that a computer outage had occurred and had caused them not to be able to give us certain items of information that were critical to our signing the contract. We questioned how XXXX arrived at the number of points that were presented, and he replied that he thought that we could afford that amount. We had previously bought and paid in full for XXXX points for a total of XXXX dollars as we entered into this " deal ''. We did n't know for the majority of the work day about the number of points that XXXX was trying to get for us until computer connections had been restored late in the work day. We had been there for approximately XXXXXXXX hours, and although we were furnished a mid-morning breakfast, that began to fade into the middle of the afternoon. We were growing very tired and hungry toward the end of the day. During that extended stay, our only chance to go to XXXX XXXX ( which was supposed to have been our focus for that day ) was dashed because we were discontentedly grounded at the XXXX offices all day due to the computer system outage. I have a documented account of the extreme weather experienced that day.
At the close of the day, XXXX brought the papers in for our signatures, and very apologetically gave us {$100.00} dollars cash for our troubles and to purchase our evening meal. On the contract, it was stated that " owner had been given a satisfactory opportunity to read this agreement. '' When they finally came to us with XXXX pages, we did not have sufficient time to comprehensively read all of the " legalese '' in the papers. They made some very condensed statements after our short perusal, and then showed us where to sign and date. By that time, we were already very tired and disheartened about missing XXXX XXXX, having had so much paperwork to digest and compounding our confused and exhausted state of mind. We were unable to read the Nevada Law regulating ownership plans, although I believe we were pointed to the signature l
|
| Consumer Consent Provided |
Consent provided
|
|
|
6326571
|
2022-12-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-12-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-15
|
| Complaint What Happened |
The debt was from a XXXX card with a {$300.00} limit from back in 2006. I have no signed contract with my name and XXXX XXXX XXXX XXXX XXXX. that is pursuing the debt through Lloyd & McDaniel. They have garnished my check already for over {$3000.00}. When it got to the amount said I owed, my employer stopped the garnishment. And just recently they received another paper saying my check is to continue being garnished for over another {$530.00}, until they tell the employer to stop taking money out. They are taking around {$180.00} out of each of my paychecks. I have disputed this debt with them several times because I have no signed contract between me and XXXX XXXX XXXX. I tried to offer an amount to end this and get it out of the way and they refused. First of all this was 15-16 years ago, secondly, I have no signed legal contract with them, third it was a {$300.00} credit card, and last of all, they have collected the {$300.00} over several times past what it was. What part of NO LEGAL SIGNED CONTRACT BETWEEN US FROM 16 YEARS AGO do they not understand.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3285619
|
2019-06-24
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-06-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-24
|
| Complaint What Happened |
Lloyd and McDaniels law firm apparently sued me for a debt in XXXX. The original debt they said was through XXXX computers and then XXXX XXXX. They wouldnt tell me how old the debt ( original ) was from XXXX but if this action took place in XXXX from the 3rd collector and its 4 years old Im going to guess it was at least 10-15 years old because Ive not even owned a XXXX in that long. My wages were garnished this past payday which was XX/XX/XXXX and I had no idea that was even going to happen. I called the number on the paper that my Human Resources got for me from the payroll department. They said they were not releasing the garnish. I make {$300.00} every 2 weeks if that and I am a single mother. This puts a hardship on me trying to take care of my daughter. I am finally getting a few more hours at work then it takes out the extra I would have had from a garnishment I didnt know about. If I was served in XXXX I dont remember that was 4 years ago and also was going through a divorce at same time. I was never sent a letter letting me know it was coming out now. I am working more hours for the same pay and missing out on time with my daughter. I need this garnishment stopped because I dont know what Ill do if its not. The debt is for {$4500.00} XXXX cant pay that.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2360826
|
2017-02-24
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Credit card
|
| Date Received |
2017-02-24
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-24
|
| Complaint What Happened |
I received a Discovery Request dated XXXX XXXX, 2016 from Lloyd & McDaniel representing XXXX. They claim I had an account with XXXX, formerly XXXX and owe a debt. There is no record of that on my credit. I have spoken with their agents several times and they have advised me that they do n't have to provide any proof of the debt and a debt does n't have to be on my credit to be valid. I filled out and sent in a fraud packet in XXXX, but they said their client rejected it.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2872359
|
2018-04-11
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-04-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-11
|
| Complaint What Happened |
My bank accounts have been frozen in order to collect a debt from 2015. I contact the lawyers who have submitted and obtain the freeze legally however, the correspondence regarding the debt was sent to an address I have never resided in. I had no way to choose to pay the debt or to act to keep my accounts from being frozen. I explained that I have never lived at the address they have on file and they are refusing to assist me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2811200
|
2018-02-12
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-02-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-02-12
|
| Complaint What Happened |
XXXX XXXX XXXX sold my debt to lloyd and Mcdaniels creditor law firm that then did not contact me at all before this, or if they did it never got to me and served me papers while I was at work and then forced me into an agreed judgement. I have a XXXX a month agreement but then they are trying to force me into automatic debit, which I am not comfortable with at all and do not authroize with any company and don't tell me much on filling out any forms. It was a old credit card debt from years before that I didn't even know I had.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1586522
|
2015-09-30
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Not disclosed as an attempt to collect
|
| Sub Product |
Credit card
|
| Date Received |
2015-09-30
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-02
|
| Consumer Consent Provided |
N/A
|
|
|
1840261
|
2016-03-19
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Medical
|
| Date Received |
2016-03-19
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3342645
|
2019-08-15
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Seized or attempted to seize your property
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-08-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-16
|
| Complaint What Happened |
I have been making regular payments on 3 accounts that I have with Lloyd and McDaniel. I have never missed a payment and I have kept all my confirmation numbers that I get each time that I make a payment. However, last month Lloyd and McDaniel claimed that I had skipped a payment of $XXXX. In doing so and without notice they levied our bank account and emptied it. They took $XXXX. Also our bank charged us $XXXX for them doing this. I contacted Lloyd and McDaniel and was told I had missed a payment. However, I was able to give them the confirmation number to the account they claimed that I missed. Once I did so they realized and admitted that it was their mistake. Somehow their payment system posted my payment to one of the other accounts even though I had put the correct account number in there. They said they would make it right and would have the funds released and would also pay for the fee the bank charged. I was told to expect the payment in a week. When that week came and went I called a week later and got the same story. So once again I contacted them and was told that if I hadn't received our money by this past Wednesday the 14th to call them. Our bank account was emptied and as of today Lloyd and McDaniel has still not corrected their admitted mistake. We cannot afford and attorney but I have been trying to find someone to help us. It has now been 3 weeks and they have still not returned our money to us. Please help us somehow!!!!!
|
| Consumer Consent Provided |
Consent provided
|
|
|
3678976
|
2020-06-02
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-06-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3032302
|
2018-09-28
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-09-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-28
|
| Complaint What Happened |
On XX/XX/2018 A Motion for Judgment on the Pleadings was mailed to my residence from Lloyd & McDaniel stating that a court date had been set for XX/XX/XXXX in XXXX county District court. This was the first knowledge that a lawsuit had been filed against me. I had not been served previously with a Summons/Complaint as described by Kentucky statue. Having not been properly served, I was not afforded the time to file an answer.
Checking with the court, the lawsuit was filed on XX/XX/2018. I had previously written a letter to Lloyd and McDaniel stating my financial situation. The letter dated XX/XX/2018 was a letter in general and did not attest to any knowledge of a lawsuit. Lloyd & McDaniel used this letter as an answer to an unserved summons/complaint. The letter was written over the 20 day time frame for an answer, so could not be construed as an answer.
Lloyd & McDaniel was granted a summary judgment on XX/XX/2018. I am disputing this action. I feel that Lloyd & McDaniel has been granted this summary judgment using unethical methods to obtain the judgment. I have a letter from the original creditor that the debt was written off, but yet, the lawsuit stated that the original creditor was the Plaintiff.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8898046
|
2024-04-30
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-04-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2240136
|
2016-12-07
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Lloyd & McDaniel, PLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-07
|
| Consumer Consent Provided |
Consent not provided
|
|
