Cawley Bergmann, LLP

2019-11-19

Bostic, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-11-06

Munith, MI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-10-22

Dallas, TX

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-09-24

Rncho Domingz, CA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: On XX/XX/2019, the collection company Cawley & Bergmann engaged in deceptive practices when the company called me with a spoofed caller ID under the name " XXXX XXXX. '' I answered the call as I am local to XXXX XXXX 's headquarters and had reason to believe that the call could have been an opportunity for employment.
Company Response: Closed with explanation

Timely Response

2019-09-23

San Diego, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Two previous complaint had been filed against XXXX, XXXX which had issues a credit card without consent or authorization. XXXX XXXX ; XXXX had illegally obtained credit file of a US Citizen without the consent of sending credit information out of the United States. Said bank had issued a credit card with different terms of credit and duplicated most of the charges of the FULLY PAID XXXX CREDIT CARD WHICH WAS ISSUED IN THE UNITED STATED UNDER A DIFFERENT CREDIT TERMS AND NUMBER!!! It is an identity fraud as well as lending fraud which has been previously complained about and seemingly resolved, as MYSELF provided the credit reporting agency, XXXX, the documentation of the US credit card, check of full payment of balance of the same card, carrying a different number what the XXXX, XXXX card has shown. My credit files were frozen for a period of SIX MONTHS. Now another agency, Cawley & Bergman LLC of XXXX, XXXX XXXX has taken this account and trying to collect a fraudulantly issues credit card balance and charges which had been paid on a different US account. I respectfully request to check license number of this crook organization and demand a fine of {$5000.00} as the case had already been resolved or currently waiting the proper fine from the Comptroller of Currency!!
Company Response: Closed with explanation

Timely Response

2019-09-05

Dayton, MN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-30

Hinkley, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: My identity was used to open an account at XXXX XXXX. I informed XXXX XXXX that my information was misused and they still sold this debt to Cawley & Bergmann, LLC. This is illegal. It needs to stop. I researched the Federal Trade Commission and Fair Credit Reporting act. These practices violate the laws congress enacted to protect the consumer.
Company Response: Closed with explanation

Timely Response

2019-03-26

FL

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: I keep receiving calls from the office of XXXX XXXX XXXX but nowhere in the voice message did they say what the call was about, they just said it was a business matter. I have the voice mail saved on my phone if you need me to send it to you. They are trying to collect a debt but I have no idea who they are and why they are calling me. They should only contact me via mail and never call. This is after I mailed a letter to the collection company requesting information on the alleged debt. I believe they are infringing in my privacy rights.
Company Response: Closed with explanation

Timely Response

2019-02-13

SC

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: XX/XX/2019 Contacting family members and disclosing personal information.
Company Response: Closed with explanation

Timely Response

2019-01-02

Beyersville, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-10-30

Nyc, NY

Communication tactics

Debt collection: I do not know

Used obscene, profane, or other abusive language
Complaint: ON XX/XX/2018 I received a call from XXXX. A woman was on the line. very polite, noting the call was being recorded and asking if she was speaking with XXXX XXXX ( although I already answered the phone, " XXXX XXXX '' speaking ) and providing a " birth date '' asking me to confirm. I asked her what it was about and refused to confirm information. She then put me on the phone with the Manager " XXXX '' who also started out trying to be polite and stating that he understood why I would not give out or confirm information. But when I refused and stated that anything they needed to they could send in the mail, he stated they already had ( I have not received anything from any debt collectors nor their company Cawley an Bergman ). I stated that if i had received anything it clearly was not important. XXXX then made a derogatory comment regarding my inability to see debt as being important. 1. I have not received any correspondence from this company 2. I do not have any outstanding debts that I am aware of. The statement made by XXXX was harassing, derogatory and unnecessary to the alleged debt collection process, certainly to someone he has not even confirmed he is speaking with. It also violates the FDCPA. I am reporting this so that I can ensure this company never contacts me again, but also so that the company can be aware of their agents ' practices that violate federal law. I believe that many of the people they contact are not retired attorneys and would not know their rights and could be subject to these same violations, unnecessarily.
Company Response: Closed with explanation

Timely Response

2018-09-10

OH

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Complaint: The XXXX XXXX card was opened last year XX/XX/2017, i am not making enough money to pay them at once or more than {$100.00} a month, they are saying that they will file a law suit against me, please help
Company Response: Closed with explanation

Timely Response

2018-07-25

Euclid, OH

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Received a call on XX/XX/XXXX from a representative at Cawlee and Bergmann. Sent a cease and desist and I have received two more calls since XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-06-14

Los Indios, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I have disputed this account entry on numerous occasions from the credit bureaus to the company itself. This company began reporting negative information on my credit report in XX/XX/XXXX. In my dispute to this company I requested : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; XXXX responded with a denial that there were any inaccuracies in their reporting. Actually, there are, I never signed an agreement with XXXX, nor have I had an account with them for them to report there are terms of 1 month and that I have a past due balance. Further, as of XX/XX/XXXX, the correspondence I received from Cawley and Bergmann reflects a different account number for the same account that XXXX is attempting to collect. Per consumer law, 2 collection companies may not collect on the same debt. How so then is XXXX still reporting these entries on my report? This is a blatant violation of my consumer rights. Too, why is Cawley & Bergmann offering a settlement on an account that is not verifiable? For the second account, XXXX merely sent a Statement of Account that was created on their letterhead. This arbitrary number lacks veracity. Where is the supporting documentation? The one document that was sent reflects a totally different number. Additionally, if XXXX XXXX states that a payment was due on XX/XX/XXXX, then how can XXXX say the charge off date was XX/XX/XXXX? This is an explicit contradiction. It appears that XXXX has tampered with information and the reporting of accurate information. There is no way that an account can be due with an original creditor 2 days after a 3rd party collection company is reflecting it as a charge-off. THIS IS ILLEGAL!!! XXXX nor Cawley & Bergmann provided the account ledger, nor any other documents to justify the activity, payment history and validate the number they are alleging is owed is accurate. Lastly, XXXX failed to provide any supporting documentation for the second entry they are reporting on my credit reports in the amount of {$2000.00}? Yet again, they are reporting information that is unverifiable. This unverifiable entry on my credit reports should be DELETED IMMEDIATELY!!
Company Response: Closed with explanation

Timely Response

2018-06-01

Canoga Park, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-11

CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Hi, Here is the situation : XXXX ordered XXXX credit card on behalf of me without my permission as a replacement for XXXX XXXX card. [ mid - XX/XX/XXXX ] I had no idea about the existence of this card until I got a call from XXXX stating that I haven't paid my bills. This call was around XXXX XXXX and the fraudulent charges were incurred in XX/XX/XXXX. Apparently someone intercepted the card and used it. I contacted XXXX stating that I never had seen the card and the entire amount was completely fraudulent. XXXX mentioned that they will investigate this as fraudulent and close this. However, they didn't close this issue, and kept on sending 120 days non-payment notice to credit bureau. I contacted them multiple times between XX/XX/XXXX, and they finally said that the issue is closed and the credit score also reflected that the issue is closed. [ XX/XX/XXXX ] Now, in XX/XX/XXXX, I got a mail from XXXX stating that they have sold my debt of {$890.00} to XXXX XXXX XXXX XXXX XXXX. I called up XXXX and gave them the details on situation, but they said that the account on their side is locked. I got another mail from Cawley & Bergman who is trying to collect the debt of behalf of XXXX XXXX XXXX equities. I am attaching : 1. My mail exchange with XXXX, when I first received the Credit Score degradation. 2. Letter from XXXX that they are selling the balance to XXXX XXXX and XXXX XXXX XXXX. 3. Letter from Cawley & Bergmann debt collector. Thank you for your help. -XXXX XXXX Personal Details [ to be removed before any posting ] Here are the other details : Original Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Creditor XXXX XXXX XXXX XXXX XXXX XXXX Cawley & Bergmann File Number : XXXX Current Balance : {$870.00} Address : XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX ; Fax : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Company Response: Closed with explanation

Timely Response

2018-01-04

PA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: On XX/XX/XXXX at XXXX AM XXXX XXXX at XXXX, from Cawley & Bergmann told me that an acct I had with XXXX ending in # XXXX in the amount of {$4800.00} was being collected by XXXX. I asked XXXX XXXX for validation of the debt because it was from XXXX or XXXX and I had been a victim of identity theft. He then stated that if the debt is validated then other legal action could be taken against me, by a lawsuit, and then asked me if I would like to settle the debt for {$3100.00} or something close to that. XXXX XXXX tried to scare me into a settlement by telling me XXXX would obtain an attorney and take me to court.
Company Response: Closed with explanation

Timely Response

2017-07-26

NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I received a letter from Cawley & Bergmann LLC dated XXXX XXXX, 2017 stating they have been contracted to collect a debt owed by me to XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXX/XXXX XXXX in the amount of {$740.00}. I have no contract with XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX or Cawley & Bergmann LLC. I need this debt to be validated with a signed contracted not billing statements. Also, how can a debt collector collect a debt on behalf of another debt collector?
Company Response: Closed with explanation

Timely Response

2017-07-17

Boise, ID

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-06-26

Gilroy, CA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-03-09

Augusta, GA

Communication tactics

Debt collection: Non-federal student loan

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-03

Newnan, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: In XXXX of 2016 after carefully reviewing my credit report XXXX accounts showed up on my credit from XXXX XXXX bank and XXXX bank.I immedietly disputed the XXXX accounts and placed a fraud alert on my credit reports. I have been back and forth with the creditor as well as the credit. Finally after months of disputing and making complaints the debt could not be validated and was deleted from my credit profile.over the past couple of weeks i have been getting letters in the mail from the collection agencies, for the same accounts. So it appears that the creditors deleted from my credit profile but then sold the account to multiple agencies. This debts are not mine and all i have been asking for for months is validation of account. also please look into the creditors selling these accounts to multiple agencies now i am receiving multiple letters which can be related to harrassment. I am requesting that the collection agencies validate debt owed and quit sending collection letters to my home. I have attached the letters that I am receiving from different collection agencies for the same account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-14

Newark, NJ

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Grey Forest, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Natrona Hts, PA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response