Javitch, Block Rathbone LLC

2016-07-14

Anderson, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
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

2016-06-14

Mount Holly, OH

Communication tactics

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

Threatened to take legal action
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

2016-06-08

Abilene, TX

Disclosure verification of debt

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

Not given enough info 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

Disputed: No Timely Response

2016-04-10

Lynchburg, VA

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
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

2016-04-06

IN

False statements or representation

Debt collection: Non-federal student loan

Impersonated an attorney or official
Complaint: I need your help with a third party debt collector Javitch Block LLC. They are suing me and I suspect without any meaningful attorney involvement. They sent a extension to my motion to dismiss to the courts to obtain documents. They wrote in the first paragraph it was for XXXX XXXX XXXX XXXX XXXX XXXX and then the last paragraph they put XXXX XXXX XXXX XXXX XXXX XXXX. I do not owe this company money and they have not verified any documentation nor did I give them permission to obtain and use my personal information. I have had several XXXX and this added XXXX is not helping my condition. I have heard Javitch Block LLC in XXXX Ohio is a debt collection agency who uses unfair practices and threatens to destroy people and have an attorney XXXX XXXX. I do n't have a lawyer because I can not afford one and have a child to take care of. This purported debt has gone to XXXX other third party debt collectors and none of them could verify it and they all have different account numbers for this purported debt and I have never had a contract with this company or heard of them. Can you please 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

2016-04-04

OH

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: My complaint is with XXXX XXXX, XXXX, and Javitch , Block & Rathbone Law Firm. In XXXX 2010 XXXX XXXX XXXX, filed a judgment against me ( case # XXXX ). The debt was paid in full ( I have documentation ) to Javitch, Block & Rathbone in XXXX, 2010. To date, the judgment still shows open on my county 's Clerk of Courts website. I 've requested XXXX XXXX ( Attorney of record ) for this debt to please forward documentation to XXXX XXXX, XXXX of the satisfied debt. To date, XXXX XXXX XXXX, states they have not received documentation.
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

2016-04-01

Euclid, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
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

2016-04-01

Nashville, TN

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Attorney Javitch Block, LLC, XXXX XXXX XXXX, XXXX XXXX., XXXX , XXXX, XXXX, XXXX, ext. XXXX, purchased my loan ( from the attorney who took the case to court ), the lender, XXXX XXXX got a verdict on it a few years back. Attorney Javitch Block got ownership of the loan when the Certification of Service was signed by a judge in the State of XXXX Circuit Court in XXXX 2015. I received a copy of that Certification from the court by mail. That is the only way that I knew of the transfer. I was making payments on the loan when ownership was transferred and I am still making payments. Atty. XXXX has not contacted me. I have contacted his office on numerous occasions to inquire of what my balance is so that I can determine if it is correct. They tell me that they do n't have my balance because they have not received it from the attorney whom they bought it from and can not tell me when they will have that information. What they have told me, to include managers XXXX XXXX and XXXX XXXX is that they received numerous cases from that attorney and do n't know when they will get the balance and payment information on my case from them. XXXX did divulge the fact to me that they are not allowed by law to contact me in writing until they have a balance to include in the contact letter. XXXX did assure me the last time that we spoke ( XXXX XXXX ) that he would send an XXXX XXXX XXXX to the attorney. He also told me that since they have had the case no interest or fees are accruing on my account. PLEASE CONTACT ATTORNEY XXXX XXXX AND ASK HIM TO SEND ME IMMEDIATELY THE BALANCE AND PAYMENT HISTORY ON MY CASE/ACCOUNT. Surely, there is a time span in which they must provide that information to the debtor once they have acquired the case according to a court preceding. Please inform me of what that time span is. Thank you, 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

Disputed: No Timely Response

2016-03-25

Galena, OH

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: XXXX hired a third party debt collector for my defaulted debt. The debt collector is XXXX. XXXX is out of my state where I borrowed, so they have farmed it to a network debt collector called Javitch Block. I have worked with Javitch Block for 5 years to repay the debt I defaulted on under the pretenses that there was no interest, and the current debt balance is in the area of {$8000.00}. After not receiving paperwork from the creditor nor Javitch Block for some time, I inquired in XXXX 2015, which ended up in having to go to the XXXX for assistance after many refusals to assist me in getting this information. To date, and after many emails, many letters, certified mail requests, I have not had the debt verified by Javitch Block. This includes their right to collect from me, whom they are an agent for, balance, interest, and other pertinent information I am due under fair debt collection rights. Additionally, not only has the company not verified the balance of this account, but by misrepresenting the balance and interest rate over the phone, they have misplaced nearly {$6000.00} of the debt as the creditor states that money went to interest. I am not in a position where I have paid {$12000.00} and only received half of the credit due to dishonesty. Furthermore, the debt collector, who states they are an agent for XXXX refuses to honor the settlement agreement address in XX/XX/XXXX by XXXX themselves. I have not received a written confirmation that after misleading me for 5 years, that Javitch Block intends to accept a lesser payment on behalf of their client without suing me for failing to meet our initial payment plan. I also have been told by Javitch Block in recording calls that the collection account is in a " holding '' position, and while I can make payments, it is not an active collection. Upon disputing the credit line on my credit files, XXXX states otherwise and continues to post a much larger balance.
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

2016-02-09

Brentwood, TN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-09

IN

False statements or representation

Debt collection: Non-federal student loan

Impersonated an attorney or official
Complaint: I. Javitch Block and XXXX XXXX sent me a letter XXXX/XXXX/XXXX that they had been retained by XXXX XXXX XXXX XXXX XXXX. 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. II. I responded on XXXX/XXXX/XXXX. In the letter, I asked Javitch Block LLC and XXXX XXXX to validate the debt. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Javitch Block LLC on XXXX/XXXX/XXXX. III. I also pulled down my credit report and saw that this debt had been charged off. IV. I was served a lawsuit on XXXX/XXXX/XXXX by Javitch Block LLC and XXXX XXXX regarding this matter. This firm stated they were retained by XXXX XXXX XXXX XXXX XXXX. That claim is patently false, since the debt was charged off. If XXXX XXXX XXXX XXXX XXXX was still pursuing this debt, it would not be at this status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as a third party debt collector. The statements made by Javitch Block LLC and XXXX XXXX in the letter are fraudulent and misleading and intended to intimidate. Further, Javith Block LLC nd XXXX XXXX has extended this fraud into court.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-12-17

Dayton, OH

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-11-26

Stilesville, IN

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: I WAS ALL READY SUED IN XXXX COUNTY COURT XXXXINXX/XX/XXXX CAUSE NUMBER XXXXBY XXXX XXXX XXXX XXXX , XXXX XXXX PLUS INTEREST OF XXXX WE MY SSA XXXX PAYEE MADE A PAYMENT OF XXXXCHECK NUMBER XXXX XXXX ACCT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTHERE FILE NUMBER WITHOUT A CAUSE NUMBER XXXXCASE NUMBER XXXXXX/XX/2015BALANCE DUE XXXXPRINCIPAL XXXX INTEREST XXXX COURT COSTS XXXX I CAN NOT BE SUED FOR THE SAME CREDIT CARD AND OR FOR AND OTHER REASONLESS = DOUBLE JEOPARDY
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-02

Nashville, TN

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-09-26

Foothill Ranch, CA

False statements or representation

Debt collection: Credit card

Indicated shouldn't respond to lawsuit
Complaint: What the Defendant as surmised of this case and the way it was mishandled is as follows : Plaintiff and XXXX XXXX acquired Defendants XXXX mailing address from credit card report, XXXX, without prior permission and tried to use it as evidence of Defendants residency. Defendant received a summons addressed to XXXX XXXX XXXX, XXXX to appear in this Court on XXXX XXXX, 2014. Defendant answers the summons on XXXX XXXX, 2014 that stated he resides in the State of XXXX, and would be unable to attend the hearing, due to employment obligations. Defendant receives another summons addressed to the XXXX address to appear in Court on XXXX XXXX, 2014 at the request of Plaintiff, without giving an option to XXXX 's circumstances. Plaintiff supplied numerous XXXX XXXX Statements and a copy of the Contract prior to XXXX XXXX, 2014, to the Defendant and the Court for viewing as evidence. Defendant discovered that the documents had been altered to show the appearance that the Defendant had been receiving these statements in XXXX. Defendant has never received any Bank statement documents from XXXX Bank at a XXXX address. Defendant has supplied the Court with factual evidence to proof his XXXX residency. To prove that the Plaintiff has filed in the wrong judicial jurisdiction, and case must be dismissed. Defendant on XXXX XXXX, 2014 notified the Court and the Plaintiff that the Defendant would not be able to appear on the XXXX XXXX date, due to his XXXX employment obligations. The filing returned address was my XXXX. Well the case was heard on XXXX XXXX, 2014, without the presence of the Defendant. The Plaintiff had prepared an Order Judgment document for the Judge to sign at the hearing, and through some persuasion his wishes were granted. Along knowing that he had won the case without having to argue against a Defendant objection. WHY WAS THIS CASE HEARD, without giving consideration to a Defendant rights to present some defense. When everyone knew the Defendant was not going to be present. What type of " Dog and Pony '' show was this hearing? Defendant has submitted several requests to have this Case Vacated, based on the facts ; that ALL the evidence brought to this Court by the Plaintiff and client XXXX XXXX Bank is false. This was just a clever, disrespectful and unlawful attempt to try and show that the Defendant resides in XXXXThe Defendant after receiving the shocking notice of Summary Judgment several months later as it was sent to XXXX XXXX XXXX XXXX, XXXX and then forwarded to Defendants legal residency address in XXXX. Defendant filed a Dismissal request with the Court and the Plaintiff in XXXX 2014 with a return address receipt showing his XXXX address. IF the Defendant is to be held contractually obligated with the XXXX XXXX Card Contract and all its contents that the Plaintiff presented to the Court as evidence. If So ; then the whole contract has to be recognized, not just bits and pieces. The Plaintiff should be obligated to follow the Contract agreement under " Arbitration and Hearings '' and propose a means of arbitration and possible mutual settlement. At no time during these proceedings has Arbitration been presented to the Defendant by the Plaintiff or its client XXXX XXXX. Violation of XXXX XXXX 's contract with Defendant. Plaintiff should consider their decision for Dismissal as they did in Case XXXX, XXXX XXXX XXXX. XXXX, when it became perfectly clear that I was not a XXXX resident, and you were filing in the wrong jurisdiction. Defendant is returning to XXXX residence.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-26

Hanover, OH

Communication tactics

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

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-18

Foothill Ranch, CA

False statements or representation

Debt collection: Credit card

Indicated shouldn't respond to lawsuit
Complaint: When I was visiting my investment properties in XXXX, XXXX, XX/XX/XXXX an attorney attempted to serve me with a court order to answer the claim of XXXX XXXX outstanding credit card that I supposedly owed. I answer the court order, explaining that I could not attend any court hearings in XXXX due to my employment obligations in XXXX. I have been a XXXX resident for the last XXXX years and only occasionally visit XXXX, XXXX to conduct on site examinations of my investment properties. Another Court hearing was rescheduled by the Plaintiff attorney. XXXX XXXX XXXX request to XX/XX/XXXX. I again answered the Court Order, explaining that there was no way I could attend the hearing, due to the same reason, my employment in XXXX. Well the hearing was conducted without my presence, and the Plaintiff appealed to the Judge for judgment against me. Judgment was granted, and a lien was recorded against my real estate for {$2700.00} dollars. During the course of this fiasco the Plaintiff produced modified XXXX XXXX statements to the court for viewing, for the years XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX all showing my billing address to be XXXX, XXXX. During those years I had never lived in XXXX and to this day I have never lived in XXXX, for more than XXXX months at a time. On XX/XX/XXXX I presented a request to the Court, to have the Court Order dismissed and the lien removed, based on the following facts ; that the hearing was presented in the wrong judicial jurisdiction, submission of inaccurate bank statements falsely representing Defendant 's residence, and the expiration of the Statute of Limitations of XXXX Laws governing written contracts to be XXXX years, not XXXX years like in XXXX. Also there was never a mention of the arbitration clauses that were presented in the XXXX XXXX contract with the Defendant as possible options for settling the debt. In closing I would like to say that throughout these proceedings XXXX XXXX XXXX XXXX ignored my pleads of defense and at the end acted unethical in his actions and demeanor to have this case won in his favor. Again the arbitration clauses were never brought up. I can produce additional supportive documents if necessary to prove my claims.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-07-27

Brentwood, TN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: In XX/XX/XXXX, I had applied for an XXXX XXXX store credit card. I had never used it. In early XX/XX/XXXX, I had lost my wallet at a movie theater. I reported the card as lost/stolen to XXXX XXXX and XXXX XXXX who the card was financed through. I did not want a new card as I was unemployed as of the end of XX/XX/XXXX. Apparently at some point, this XXXX XXXX card was converted to a Synchrony bank card and there was a balance after it was reported stolen. I started receiving collection letters from a company called XXXX XXXX XXXX. They stopped collection after I sent a copy of the FTC Identity theft complaint to them and to XXXX. I had assumed everything was settled at that point. Now I am receiving collection letters from a Javitch Block, LLC collecting on the same debt. Javitch Block, LLC is not even licensed in the State of Tennessee for debt collection. I have filed complaints regarding this as well.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-10

Dallas, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-24

Euclid, OH

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: i keep on getting notice in mail, that i am getting garnishment, for a debit that is not mine. i keep on sending letters back to them
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-07

Warren, OH

Communication tactics

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

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-07

Warren, OH

Communication tactics

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

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-06

KY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-03-19

Westfield Ctr, OH

Improper contact or sharing of info

Debt collection: Credit card

Contacted me instead of my attorney
Complaint: After retaining counsel in XXXX of XXXX due to contact by Javitch & Co. a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with Javitch & Co. in XXXX OH. I am on Social Security, as my only source of income. Being a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my Social Security barely covers my monthly overhead. Efforts by Attorney XXXX to reach XXXX XXXX at Javitch & Co. to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - Javitch & Co. has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-01-28

Troy, OH

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response