|
4776461
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2021-10-03
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Took or threatened to take negative or legal action
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Debt collection
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|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Andrews Law Firm, PLLC
|
| Product |
Debt collection
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| Sub Issue |
Sued you without properly notifying you of lawsuit
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| Sub Product |
I do not know
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| Date Received |
2021-10-03
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| Submitted Via |
Web
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| Company Response |
Closed with non-monetary relief
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-10-27
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Complaint What Happened |
I was making payments to a creditor on a consumer loan and I was having some financial hardships. I received a summons that I didnt understand.I had no court date on the summons so I contacted the creditor. There is nothing in writing, but over the phone XXXX XXXX led me to believe that I was safe from legal actions and I could resume payment over the phone and monthly payments were approved to be debited from my account as one time payments. Therefore, each month XXXX XXXX XXXX would call my cell phone and I would authorize a one time payment in the amount of {$65.00} and {$100.00} and {$110.00} and {$76.00} I have proof of all payments on statements from XXXX XXXX. I have receipts stating our conversation dates that took place for the authorization of these transactions.The creditor never informed me that it was actually in collections in any of those phone communications or in writing before it occurred. The XXXX was willing to initiate the calls for payment until XXXX of 2021 at that point the communication stopped on their end and I figured it was due to COVID 19 Pandemic. I paid one more payment that was withdrawn in XXXX 2021. In The last week of XX/XX/2021 I received a letter stating that I had a judgement placed against me on XX/XX/2021 for wage garnishment.I tried to look this up on XXXX and it kept showing no matches found. The summons never gave a court date and if there was actually a court date it was not disclosed. The amounts dont match on the two separate documents and I tried to contact both parties and both parties were rude and disrespectful and not willing to agree to any arrangement of partial payments. XXXX told me the whole amount was all they would accept. I feel like they have been deceptive and are hiding a mistake on their part with rude, disrespectful behavior, thinking this will distract me from their deception. I have documentation from them and proof of payments with my bank. Why would the creditor close my account and write it off for bad debt, profit loss before the debt amount and term of XXXX XXXX months had been satisfied? I payed after the account was charged off without any knowledge. The creditor never informed me of the account collection attorney.I was mislead and payments were authorized until XXXX of 2021. At that time communication was ceased on XXXX XXXX XXXX end.
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| Consumer Consent Provided |
Consent provided
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|
|
12601397
|
2025-03-21
|
Problem when making payments
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Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Andrews Law Firm, PLLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2025-03-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-21
|
|
