Javitch, Block Rathbone LLC

2017-12-09

Dallas, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Collected or attempted to collect exempt funds
Complaint: XXXX XXXX XXXX has sued me for a XXXX XXXXXXXX XXXX credit card. I have told them that this was identity theft, and written detailed letters to them, and to the court. Since they persist, I told them of debt owed to me, in the amount of {$5000.00}, by XXXX XXXX. Address : XXXX XXXX XXXX, # XXXX, XXXX, TX XXXX Business address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. After I was sued, I asked her for repayment. She came to XXXX and assaulted me, XXXX police report # XXXX. Then, she started paying me {$200.00} a month. I ask that Javitch have her pay them instead, and drop the lawsuit. If they insist on repayment of the full credit card amount, they should sue her on my behalf due to the assault. I am XXXX, and my primary source of income is Social Security XXXX payments. Javitch will not answer my calls or emails about this matter. Very strange that debt lawyers are the ones refusing calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-25

Dallas, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-22

OH

Threatened to contact someone or share information improperly

Debt collection: Private student loan debt

Talked to a third-party about your debt
Complaint: Replied to my previous CFPB complaint with a false statement about when they first contacted me about the debt, insinuating that I did not request validation within 30 days which is not true. Did not explain why they will not provide the validation documents I am asking for. They even detailed what they are going to send me but what I have asked for three times now is not included. They also, instead of contacting me about the CFPB complaint, sent debt collection notice to my mother. They continue to insist that they have the proper documents to sue me despite being barred by the CFPB. However, they refuse to send me what I keep requesting. Then their attorney asked me to contact him with questions but did not give his contact info.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-21

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-07

Columbus, OH

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Sued you without properly notifying you of lawsuit
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted me about an alleged debt. I responded with a debt validation letter requesting several items. They sent me two of the things I asked for. I responded telling them that they did not provide what I asked and that if they did not provide it, I would assume that they did not have the right to collect on it. They did not respond. Instead, they sued me. I know they are currently barred by the CFPB in regard to filing suits in which they do not have proper paperwork but yet they are still doing 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

2017-10-26

Smyrna, SC

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX ( XXXX ) failed to honor a reaffirmation on my auto loan following aXX/XX/XXXXbankruptcy filing ( dischargedXX/XX/XXXX). I continued to pay {$310.00} to XXXX via automatic payments from my checking account without interruption. I later found XXXX had closed my account, and had not been reporting my timely payments to the Bureaus ( XXXX ). Between the time of the bankruptcy filing and my finding XXXX had not been counting and/or reporting my payments, I had paid them at total of {$1800.00}. Their report to the Credit Bureau reflects XXXX ofXX/XX/XXXX. I had absolutely NO default at this point, and had continued to make timely payments through XX/XX/XXXX. Following the discovery, I contacted XXXX and voluntarily surrendered the vehicle ; however, they are reporting it as an involuntary repossession. XXXX is now attempting to litigate against me in Civil claims court for the vehicle despite their having closed my account and kept my payments without reporting them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-25

Lexington, KY

Struggling to repay your loan

Student loan: Private student loan

Can't get other flexible options for repaying your loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-11

OH

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: In XXXX of XXXX I received a letter on a account that I had with XXXX XXXX on a debt owed. On XXXX XXXX, XXXX I sent a letter to XXXX XXXX from Javitch Block LLC stating that I had a dispute in the amount of money owed with this case and to see if a payment arrangement can be made. I also sent a copy of this letter to the XXXX XXXX XXXX office for XXXX XXXX. On XXXX XXXX, XXXX I had a hearing with XXXX XXXX XXXX clerk. In attendance was a contracted attorney for the law firm, myself and the clerk. At this time I stated on the record that I accepted the debt and wanted to set up payment arrangements. After the hearing, the contracted attorney gave me the phone number to get in contact with someone at the Javitch Block office. On Tuesday XXXX XXXX, XXXX I contacted the phone number at Javitch Block. My call was routed to XXXX XXXX because she was assigned to my case. I left a message for XXXX to contact me. I waited a week then I called XXXX XXXX again and left her another message for her to give me a call. No call was ever returned. So at this time on XXXX XXXX, XXXX I decided to start voice record myself contacting the Javitch Block LLC and asking for XXXX XXXX and asking her to please return my call so that arraignments can be made regarding my case. I would contact XXXX XXXX leave a message and wait for a week to see if she will return my call and them do the same thing all over again. Since I was n't getting a response from XXXX XXXX I decided to write a letter to her on XXXX XXXX, XXXX letting her know I had been leaving voice mail messages for her to contact me back on if payment arrangements can be set up. At this time I sent the letter certified with signature required and return to sender. XXXX received my certified letter on XXXX XXXX, XXXX and someone from the firm signed that it was received. On XXXX XXXX, XXXX I received a letter from XXXX County Clerks Office that a judgment had been made on XXXX XXXX against me due to not filing a response. This is bold face lie on me but also to the County Clerk who signed off on this. So on XXXX XXXX, XXXX I gave an attorney XXXX XXXX my information to see why did XXXX XXXX has lied and if it was legal. On my behalf XXXX XXXX contacted XXXX XXXX and left her a message that she was calling her regarding my case and how she lied to the court. It took 2 weeks but XXXX XXXX finally contacted XXXX XXXX back. The conversation entailed that yes an agreement can be made. I can either pay 75 % of the bill upfront or make {$50.00} payments monthly. I took the {$50.00} a month payment. XXXX XXXX contacted XXXX XXXX again and once again it took her about 2 week to respond back but told her that I wanted the $ 50 monthly payments, At this XXXX XXXX stated that she would contact me to set up monthly payments. She never called. Finally Attorney XXXX told me to contact her. On XXXX XXXX, XXXX I contacted Javitch Block to set up payment arrangements. At this time I recorded and spoke to XXXX XXXX 's and told her what Attorney XXXX said about the payment arrangements that was discussed with XXXX XXXX. XXXX XXXX would not let me set up payment arrangements because I stated I had an attorney. There were n't any notes with my account stating that XXXX XXXX ever spoke to Attorney XXXX in the 2 times they spoke in XXXX. So not only has XXXX XXXX has lied to the court she has now lied on a well respected Attorney meanwhile interest has now started to be added of over {$150.00} due to Javitch Block LLC and XXXX XXXX scamming to get more money. XXXX XXXX told me that in order for Javitch Block to speak with me, I need to have Attorney XXXX to contact XXXX XXXX back and say I am allowed to speak to Javitch Block on my own. Attorney XXXX has contacted XXXX XXXX numerous times which have been documented and XXXX XXXX has not returned any of them. So since I cant contact Javitch Block LLC on my own and Attorney XXXX cant get in contact with XXXX XXXX interest keeps going up making my bill higher.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-05

Whipple, OH

False statements or representation

Debt collection: Other debt

Indicated you were committing crime by not paying 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

2017-09-27

Bevis, OH

Written notification about debt

Debt collection: Auto debt

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

2017-09-24

Euclid, OH

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old 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

2017-09-24

Euclid, OH

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old 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

2017-07-25

Dayton, OH

False statements or representation

Debt collection: Federal student loan 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

2017-07-24

Los Indios, TX

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you without properly notifying you of lawsuit
Complaint: I received a letter by mail portraying a lawsuit against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-27

Kingsport, TN

Attempts to collect debt not owed

Debt collection: Credit card 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

2017-05-24

Sidney, OH

Struggling to repay your loan

Student loan: Private student loan

Problem lowering your monthly payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-19

Euclid, OH

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: I was contacted about a judgement from XXXX whic h Javitch Block got r eactivated. I understand that they are allowed to do this. I came to a payment arrangement of {$200.00} per month for which they refuse to provide statements or billings The payments are due the XXXX of the month. I paid late this month on the XXXX and attempted for several days to call and discuss ( after submitting the payment ) with no response. You get in the phone queue and are XXXX in line, you count down to XXXX or XXXX and are then put into a voice mail that is full and you can not leave a message. This is after 2 hou rs on the waiting line. I did submt an online payment. They did not take the payment I submitted and have a confirmation number for I have sent a fax asking for contact, I have sent several messges. I have been in endless loops trying to speak to someone. I called and spoke witth an operator who immediately put me into a recording without listening to me. Currently am in a loop that tells you there is n o one av ailable to assist, your call will be returned in the order receied, you are advised to leave a message but then put into a voice mail that can not take a message. Please try it : XXXX . I do n't know what to do about them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-18

Maryville, TN

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response

2017-03-25

Brentwood, TN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-21

Sylvania Township, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Contacted about debt that is not on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-02-07

Mount Vernon, WA

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response

2017-02-02

Coal Grove, OH

Taking/threatening an illegal action

Debt collection: Non-federal student loan

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

Disputed: No Timely Response

2016-12-01

Euclid, OH

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2016-09-09

Euclid, OH

Communication tactics

Debt collection: I do not know

Threatened to take legal action
Complaint: I received a Notice of Court Proceeding to Collect Debt on XXXX XXXX XXXX. On the back of the same letter it states : Payment to avoid Garnishment and lines to fill out information such as my Employer 's signature, work place and only XXXX lines to complete as far as money they want me to send in for payment XXXX % of my earnings. This debt occurred in XXXX it is a valid debt however, I was only given 15 days to comply to my understanding I should have 30 days according to the Fair Debt Collection Practices Act I read. I have not received no other notices allowing me to respond before now. I spoke with the creditors Attorney regarding this debt in XXXX and the Attorney stated he would get back in contact with me regarding payment arrangements that was the only contact I had with this creditor. Now 4 years later no other notices sent to me in all this time they want to garnish me without any type of negotiation and acceptance of what I shared I can pay them every week which is {$100.00} dollars. I have already sent {$100.00} last week in good faith to show I am willing to pay the debt owed. So my claim is this debtor failed to give me enough warning does not return my calls and try to work with me, the Debtor is stating I have to pay what they want me to pay regardless of my other creditors and household bills. So I feel I am being done wrong in that that debt is 4 years old, they have not sent me in the 4 years no type of notices giving me the opportunity to work out the debt, only 15 days given for me to respond instead of 30 days which most my other debtors send, pressuring me to get this done in a certain time frame of 15 days, wanting my employers information versus allowing me to make my payments and not returning my calls. I would like to know what can be done about this? I am speaking with a consumer attorney on Monday for more help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-07-26

Bee Spring, KY

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt was paid
Complaint: I received a debt collection notice in the mail from XXXX about a non-federal student loan debt. I requested proof of the debt, but the representative kept asking if I knew I owed the debt. I explained that I had several loans from different degrees, but nothing was showing under their name on my credit report and unless I received proof, I would n't know what she was talking about. I finally received a notice from them after about a month stating that the client did not provide the information needed and that collection would be stopped and any negative information would be corrected. I called the office to acquire the name of the agency that was collecting the so-called debt, it was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with a representative that answered and when I acquired about any debts, she informed me that they were n't the Collection department, but the business office that worked with XXXX XXXX XXXX. I asked for contact information for XXXX and she stated that it was a Trust, not a person that I could contact. She explained that I had to contact XXXX, debt collector/attorney, for loans being serviced through them and the loan with XXXX, ( she did not state that it was even with a collection agency ) had been paid in full as of XXXX XXXX. I immediately called XXXX back and asked why I was in collection if the client they served had my account as paid in full almost a year ago. They could n't provide any information, but stated they would forward to their supervisor for further investigation. I have n't heard anything back from XXXX, but XXXX sent me a paid in full letter on the account dated for XXXX XXXX, XXXX. I have been dealing with XXXX since XXXX XXXX when I received a collection notice about non-federal student loan debts. They stated that they were acting as a collection agency on behalf of XXXX even though they were attorneys as well. I asked for proof of the debts and received letters with XXXX as owner and the amounts owed. XXXX was not listed as any entity, but had reported on my credit report as of XXXX XXXX after XXXX was removed in XXXX XXXX. The paperwork had XXXX as the Plaintiff, but the address was XXXX XXXX XXXX, XXXX, MD, which XXXX XXXX XXXX confirmed as XXXX XXXX, not XXXX. I received a Summons XXXX from Javitch. XXXX had submitted an Affidavit that stated they were the custodian of records and could verify that all information in the lawsuit papers were correct from XXXX until present XXXX had a verification letter from XXXX that they were able to provide Affidavits on XXXX accounts, but in checking the phone number for verification, was XXXX in the XXXX and the gentleman had no idea of what I was talking about and offered different number to contact about my account. I could n't afford a lawyer, but tried to defend the lawsuit. In XXXX XXXX, a summary judgment was entered in their favor and I was required to pay this debt, although I had argued about not owing the debt and they were not legally able to collect on a debt they did not own. When, researching the loans, I found that they were Serviced through XXXX until they defaulted in XXXX and claim paid in XXXX. I contacted them for proof of the debts and where they stand. After several months and a call to their Consumer Advocacy Dept, I received the Account Summary and final letter that all the non-federal loans serviced for XXXX ( including XXXX XXXX ) had been paid in full through the Guarantor Default Claim program with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX of XXXX. XXXX did not own the loans, nor should they be able to collect on them. I do n't understand how XXXX is in the middle of the debt collection as a debt collector and servicer who has hired other debt collectors to collect on loans that had been paid since XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response