Javitch, Block Rathbone LLC

2019-11-20

Springfield, OH

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-13

Indianapolis, IN

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I was looking online and found a Motion for Default Judgement for failure to appear in court. It is noted that I was served at an address I have not been in the vacinity of for nearly 2 decades. I believe this to be an attemp to prevent me from disputing the debt by purposely sending mail and court inormation to a place that I do not reside. These individuals are using unscrupulous, deceptive, and probably unlawful tactics to obtain a judgement for money I do not owe. Filing a complaint with the Indiana/Ohio Bar Association is next.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-06

Summitville, OH

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-16

Memphis, TN

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you in a state where you do not live or did not sign for the debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-05

Memphis, TN

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: On or around XX/XX/2019 I was served with a civil warrant regarding a debit I was unaware of and had never been contacted about. On XX/XX/2019 after attempting to contact Javitch and Block, the firm filling the suite . I sent them a certified letter requesting information about the debt and never received a response. I appeared in court per the notice and the court date was moved back two months. I have also contacted the original creditor and they could not verify the information. I have attempted to contact Javitch and Block multiples time and have never received a call back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-04

Toledo, OH

Dealing with your lender or servicer

Student loan: Private student loan

Need information about your loan balance or loan terms
Complaint: I have had trouble paying my private student loans this past year. Many loans became delinquent and were moved around from different servicing agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Javitch Block LLC filed a lawsuit, " Summons Civil Action '' in the XXXX County Courts, case # XXXX. I reached out to the law firm representing XXXX XXXX XXXX XXXX and they said there is no way to contact " their '' client and they are refusing to provide me with payment history on the loan that was originally taken out through the lender XXXX XXXX XXXX XXXX, XXXX. for {$6000.00} on XX/XX/2005. I have made many payments towards this loan over the past 10 years, but XXXX XXXX and their affiliates refuse to provide that information. I have been calling all of my loan services to get all of my history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-13

Baton Rouge, LA

Communication tactics

Debt collection: I do not know

Called before 8am or after 9pm
Complaint: Called repeatedly @ XXXX XXXX., XXXX XXXX., & XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-05

Mount Tabor, NC

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-12

TN

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I enrolled with XXXX XXXX XXXX in XX/XX/XXXX. I agreed to have them withdraw {$200.00} every 2 weeks from my personal checking account, deposit it into a dedicated accounts with XXXX XXXX and apply it to debts they were to negotiate and settle on my behalf. They negotiated and reached settlements on 2 enrolled debts ( XXXXXXXX XXXX and XXXX XXXX ) and I approved the settlements. However - they defaulted on BOTH settlement agreements and NEVER informed me! One of the accounts they settled and defaulted on received a judgement against me. They collected their settlement fees and defaulted on it for non payment. But they got their fees! When I found out about it on XX/XX/XXXX - they told me that the XXXX XXXX account defaulted due to NSF in my dedicated account. In my research, I found that they deducted their fees from that account which left NSF to make the agreed upon payment therefore resulting in default on the first payment! Clearly NOT my fault! So, of course the negotiated settlement was null and void and has to be renegotiated. I was NEVER informed of any of this!!! The second account with XXXXXXXX XXXX defaulted in XX/XX/XXXX. It was negotiated and settled in XX/XX/XXXX. Also in XX/XX/XXXX I was served with a judgement on this account. XXXX told me they would have their legal team ( that I paid monthly to retain to protect me form these things ) take care of it and not to worry because it has been negotiated and all I have to do is approve the settlement. I did just that and continued to make my payments of {$200.00} each payday without fail. In XX/XX/XXXX, I started the process of refinancing my HELOC in an effort to obtain a mortgage and make forward progress on my financial obligations. I contacted XXXX advising them of my plans and requesting the payment status of the remaining settlements and when they would be complete. I was told that the XXXX XXXX account would be complete on XX/XX/XXXX and to call back on XX/XX/XXXX to request the completion letter to submit to my mortgage company. I did just that. In the mean time - I was under the impression the XXXX XXXX account had already been paid in full and completed. I later found out that it was in default as well! XXXX XX/XX/XXXX, when I called to request the Completion Letter, I was informed that the account had fallen into default back in XX/XX/XXXX due to non payment. In the meantime, my dedicated account with XXXX ( XXXX XXXX ) was showing these payments being made to Javitch Block ( debt holder for XXXX XXXX ) each month like clockwork. I was never told by XXXX that the account had fallen into default due to non payment on their behalf. I called Javitch Block inquiring about what happened because XXXX told me Javitch Block had been refusing payments made to them by FDR/Crossroads since XX/XX/XXXX. Javitch Block insists that no payments or attempts to make payment have been made since the last payment they received on XX/XX/XXXX. XXXX insists that Javitch Block accepted a payment of {$100.00} on XX/XX/XXXX and it cleared my XXXX XXXX account. Javitch Block says they did not receive or refuse any payment or attempts of payment by XXXX and that's why the account fell into default. Javitch Block says they reached out to XXXX numerous times and never reached anyone for an explanation. In the mean time, XXXX is still collecting my {$200.00} every 2 weeks and applying it to their settlement fees instead of to the accounts they settled on my behalf. AND - no one can tell me where the {$100.00} payment made to Javitch Block in XX/XX/XXXX is now! I have been financially XXXX by XXXX and lied to repeatedly! I informed them I would be reporting them to CFPD as well as the BBB. They promptly terminated my contract with them without notice. I had almost {$1100.00} in my dedicated account ( XXXX XXXX ) at the time. They deducted all but {$190.00} from that account for settlement fees on the 2 accounts they did not settled and finalize or even make payments to! Now I am left to try and negotiate with these 2 creditors on my own and avoid new judgements and garnishments. It has also caused me to not be able to proceed with my mortgage application. XXXX XXXX XXXX are CROOKS!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-03

Grand Prairie, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-18

Cleveland, OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-10

Columbus, OH

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: To Whom It May Concern, The reason for my dispute is JAVITCH BLOCK LLC XXXX XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ) .However, in my records I am unable to locate documentation that they complied with thisrequirement, which is a violation of the FCRA & FDCPA . Also, JAVITCH BLOCK LLC.failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) JAVITCH BLOCK LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. JAVITCH BLOCK LLC is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where JAVITCH BLOCK LLC is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. JAVITCH BLOCK LLC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-25

Columbus, OH

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I received a notice from Javitch Block LLC saying they were collecting from XXXX XXXX XXXX XXXX. 1. I have never received anything XXXX XXXX 2. They state debt is XXXX the interest is XXXX. The interest is more then half debt listed how can this be is XXXX XXXX XXXX charging interest?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-18

Sparks, NV

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: I received a letter from Javitich Block in XXXX, Ohio on XX/XX/2019 in matters regarding collections on a XXXX XXXX XXXX XXXX XXXX XXXX that the CFPB already settled with regarding this matter. I have yet to have had an independent review of my case from XXXX County Court and I believe at the time of the filing they used falsified documents to win a judgement in the matter. The collection attempts is a clear violation of the recent settlement agreements that the CFPB has with XXXX XXXX XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-30

Kirtland, OH

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-15

Euclid, OH

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Seized or attempted to seize your property
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-15

Spfld, OH

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-07

WV

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-09

Browns Point, WA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-15

OH

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I just recently married my husband and I am trying to help him pay off his credit card debt. We received a letter from the courts regarding garnishment of his wages. The company in question is Javitch Block LLC. I called this company about 2 months ago to get a balance on the account and also question if there are settlement options. I was told by their rep XXXX that typically when an account is in garnishment status, they do not offer settlements, however they always review offers. He indicated that not all offers are accepted, but we could always make an offer to pay in full to fulfill the debt. I told him I wanted to talk to my husband in regards to what we could afford if we made an offer, and that I would call back. I just called this company back today ( XX/XX/18 ). After waiting on hold for 23 minutes, I spoke with XXXX XXXX who told me that since the debt is being garnished, there are no settlement options. I explained to her what XXXX told me, and she confirmed this by looking in the notes in my husbands file, and told me that since the remainder of the debt was " only '' {$570.00}, they would not accept any offer. I asked her why? She said because the amount is so small. That amount is not small to me, and I asked her why I was told that their company accepts any offer for review. I asked her what would the process be if I wanted to offer {$100.00} to pay off the debt, and she said that she would review it, that it was just reviewed based on my verbal example of {$100.00}, and that it was denied, she was not accepting any offer I wanted to give them. She was very abrasive, and treated me as if I was beneath her simply because I was trying to make an offer to pay off this debt. Then she transferred me to her supervisor, XXXX XXXX, who clearly has been doing this job for way too long as he treated me worse than XXXX. He would not let me talk, finish a sentence, and wanted nothing to do with hearing my explanation. He kept saying that he was not hearing any offer, we are required to pay the remainder in full. Why was I told otherwise a few months ago? Why would they not want to settle a debt? I told him he sounded like he has zero patience for me, or my questions, and he cut me off saying that he was been doing this for 18 years, and that I could ask anyone he works with, he is the most patient person on the team. I told him to have a nice day and disconnected the call. I feel they lied, and misled me regarding making an offer to clear up this debt, and because I challenged them, they want nothing to do with working with me. I find it VERY hard to believe that if I offered them close to the full amount, they would deny it, but they didn't even give me an opportunity. Also their customer service is HORRIBLE. Just because we have an outstanding debt, does not make them better than us. I am very unhappy with my experience and feel awful for anyone who has to deal with their company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-26

OH

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 I received a letter in the mail from Javitch Block LLC about an account of mine going to them to try to get payment. Upon receiving the letter I had called the company to call the company to get a settlement set up. At the time we agreed to {$95.00} a month to be taken out on the XXXX of each month until the full balanced was paid. The lady that we were speaking to was trying to negotiate a higher amount saying that the longer it's in collections the more my credit would be hurt and that a higher payment would significantly help my credit. Finally, I got her to agree with said {$95.00} a month after some arguing and being interrupted multiple times. Early XX/XX/XXXX I received a letter from Javitch Block saying they were taking me to court due to non payment. When I called them they said that the banking information provided to them was incorrect after having the previous associate confirm the account information that I had pulled up that was linked to my direct deposit. At that time we had to re-set up a payment settlement. The associate we talked to this time was a lot friendlier than the first person. This person then said the very minimum I could pay each month would be {$200.00} and that nothing lower could be settled even though the previous associate messed up the payment eventually saying the same that my credit was going to be heavily effected until the balance is paid off. I asked to just be enrolled on auto, but the person refused to get me set up on auto deduct, but asked for the account information eventually, so I figured the auto was set up. Yesterday, ( XX/XX/XXXX ) I received an affidavit saying that my wages are set up to be garnished without needing signature from me, due to my bank already signing off on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-26

Erwin, TN

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you without properly notifying you of lawsuit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-15

Euclid, OH

False statements or representation

Debt collection: Federal student loan debt

Attempted to collect wrong amount
Complaint: This complaint is being filed against Javitch Block & Rathbone debt who represent the creditor XXXX XXXX XXXX XXXX XX/XX/XXXX. I was a cosigner for my ex-husband 's student loan for XXXX College and he also attended XXXX College. He went to XXXX College for approximately 3 months then dropped out. He graduated with his XXXX XXXX XXXX from XXXX in XX/XX/XXXX. The paper I cosigned on was for XXXX that I know of for sure was for XXXX. We are currently divorced and in the divorce decree I am indemnified of any student loan debt. However, I have to sell my house and come to find out there is a XXXX dollar lien put on my property in XX/XX/XXXX by XXXX XXXX XXXX XXXX I never signed or had any contact with the company prior to finding out about this lien. In XX/XX/XXXX they garnished my wages for a total of XXXX which was a surprise to me when I received my paycheck. Then, I contacted a lawyer who tried to get in touch with XXXX XXXX XXXX XXXX when contacted no relevant information was given from the firm, and we tried to settle with a certain amount but XXXX XXXX and XXXX would not settle for anything other than the XXXX there was never a reply back from the lawyer ( XXXX XXXX ) hired or XXXX XXXX and XXXX. I realize this is happening due to the loans being put in default, however my exhusband is currently paying all student loans from XXXX and XXXX College in accordance with Federal Student Aid ( FSAID.gov ). I have never received a statement after my wages were garnished and the amount of the loan has never gone down due to my garnished wages and my exhusband paying them as well. After I contacted my lawyer XXXX XXXX my garnishment ceased with no apparent reason. This is causing a major problem in the sale of my house can you please investigate this current situation due to me being left in the dark.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-02

Akron, OH

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-15

TN

False statements or representation

Debt collection: I do not know

Impersonated attorney, law enforcement, or government official
Complaint: XX/XX/XXXX received a letter from debt collector Atty XXXX XXXX. Letter sounded too good to be true the settlement offer they were asking me to pay on an old judgement for XX/XX/XXXX. I contacted my Local Courthouse and they informed me that XXXX XXXX was NOT they atty on file and said XXXX XXXX was.The courthouse said it sounded like a good offer and I should contact them an thell them who the Atty on file was. So I contacted the number XXXX ext. XXXX as the letter directed. I gave them the information. They then filed at my local courthouse as the atty on file. Received a settlement letter from Javitch Block LLC of XXXX Ohio date XX/XX/XXXX, it instructed me to make my check out to XXXX XXXX XXXX Successor to XXXX XXXX XXXX .XX/XX/XXXX Called XXXX XXXX back because the settlement letter I rcvd said to pay XXXX XXXX XXXX. I read online that XXXX XXXX XXXX closed in XX/XX/XXXX. I asked them how they were going to cash a check to a company that doesnt exist. I was speaking to XXXX XXXX at that time. I asked for a phone number to contact XXXX XXXX XXXX because I wanted to verify that they were in business. She told me that she didn't have their phone number. I told her if they were a client she should have their phone number. I explained to XXXX that I wanted to pay the debt but I needed verification that the Company was in business because I did not feel safe to write a check to XXXX XXXX XXXX. At that point XXXX told me I could just make it out to Atty XXXX XXXX. I stated to XXXX that I did not feel comfortable to do that either as the letter states " To enusre proper credit, all payment must be made to Creditor listed above '' .. which was XXXX XXXX XXXX.. XXXX started talking loudly and implied that I was refusing to pay. I told XXXX that I was not refusing to pay that I just wanted to feel safe about my payment. I asked her how I could find any information on XXXX XXXX XXXX. XXXX said I could XXXX it. I told XXXX I did that and it said that the business was closed in XX/XX/XXXX. Then XXXX put me on hold. When XXXX came back she stated that XXXX XXXX XXXX was owned by Atty. XXXX XXXX and that I could contact the Tennessee Supreme court if I wanted his contact information. Prior to the conversation she stated that it was being recorded. I can provide copies of the letters that were sent to me stating that XXXX XXXX XXXX is still the creditor if needed. On XX/XX/XXXX at XXXX, I spoke with XXXX XXXX at XXXX XXXX phone number listed above. XXXX told me on XX/XX/XXXX that in XX/XX/XXXX XXXX XXXX XXXX sold the debt to Atty XXXX XXXX when I questioned her about it. I was also told the conversation was being recorded at that time. Last week I contacted the Original Creditor, XXXX XXXX XXXX at XXXX at the number XXXX and spoke to XXXX who told me that XXXX XXXX XXXX XXXX was the current owner of the account. I don't want to be sued in court for the full amount, I would like to pay the settlement offer. Although I can not trust if my money will go to the proper person and clear my debt. There is no guarantee I will receive a satisfied judgement letter. It is possible XXXX XXXX has sent misrepresentation paperwork to my mailbox. Please advise me how to proceed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response