Love, Beal Nixon, P.C.

2019-11-26

Boulder, CO

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-21

OK

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-09-26

Yukon, OK

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-09-19

Beyersville, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: Love Beal & Nixon PC out of XXXX XXXX, OK has been attempting to collect on a very old credit card debt from more than 10 years ago. I have moved addresses, moved states, changed phone numbers and jobs over the years so I guess they could not reach me. On XX/XX/2019 they seized my bank funds, totaling {$280.00} and reduced my balance to XXXX. I had no savings to pay a lump sum. Seizing my bank funds created undue hardship on my family. I couldn't pay my bills, get gas in my car to get to work, or buy groceries for my XXXX children. That is when I learned they had taken legal action against me for this very old debt. I don't know what to do. I am living pay check to pay check, I still have no savings. It takes every penny I earn to pay my monthly expenses. I just can't afford to pay another person. I called them in XX/XX/2019. They said they would settle for a ridiculously high amount. They already took every dollar I had, and that only amounted to {$280.00}. Why would they think I could suddenly pay {$4000.00}? I live in fear that they will garnish my wages or take more money out of my bank account. I will not be able to survive. My children and I will become homeless.
Company Response: Closed with explanation

Timely Response

2019-04-11

Tulsa, OK

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Company Response: Closed with explanation

Timely Response

2019-04-08

Brkn Arw, OK

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-03-24

OK

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I was in the XXXX XXXX XXXX until XXXX. We were XXXX and called to XXXX XXXX @ XXXX. I purchased a cell phone and plan from XXXX XXXX XXXX to stay in contact with my family, however after having billing issues with {$1000.00} a month in roaming charges alone. They would adjust it each cycle and remove the charges but I would have to wait for my payment to be credited. Finally disgusted with this I contacted XXXX XXXX XXXX and explained my situation and was informed by them that being on XXXX XXXX they would cancel my contract and close my account. I never thought about it again until I received my paycheck in XX/XX/XXXX that had {$150.00} missing to garnishment on my weekly pay. My company never informed me of this and this collections company would not even speak to me. They gave me the name of their attorney Love, Beal, Nixon. I was informed by them that I owed over {$6000.00} and could not tell me who or where the original debt came from. I searched my credit report and this collections was not on my report. I called their attorney again and asked for the information and all they gave me was a judgement number. After days of searching I finally found out that the the debt was from XXXX XXXX XXXX for the contract that was supposed to be taken care of due to my XXXX XXXX status at the time and found out that the only paperwork they served for me to appear in court to challenge this at the time was served to my father. I love my father but he doesn't speak on my behalf. I reached out to XXXX XXXX XXXX and was told they showed the account closed and settled and they didn't understand how it was in collections and we're shocked when I explained they received a {$6000.00} judgement for this. I have attempted to get all information regarding the math, charges, paperwork and legality on this matter. I have submitted this request in writing, verbally and through emails and to date I have not received any information or response. I have tried to reach out to attempt to settle. I have seen many many cases of the same issues with this company regarding fraud, misrepresentation, unprofessionalism and unwillingness to provide documentation the law requires they provide. There have been several law suits and debts overturned. I have contacted legal advice and been told since my debt is so old and changed hands it would be nearly impossible to win in court without paying more in representation then the debt cost. They have informed me I should file bankruptcy but that seems a drastic measure when I should not owe this at all. I am afraid to open my check every week worrying it will not be whole. I have filed a dispute with the company and the better business bureau. I don't understand how something that happened while I was serving my country and had safeguards in place for just this type of circumstance could be allowed to haunt me 15 years later, how charges are still being added, and this company does not feel obligated to work with me to rectify this. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when I signed this initial contract and still on XXXX XXXX when XXXX XXXX XXXX agreed to cancel my contract and release me of any further obligation. I was assured this was closed under the service member protection act. Please help
Company Response: Closed with explanation

Timely Response

2019-03-02

Pinellas Park, FL

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: Closed with explanation

Timely Response

2019-01-08

OK

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: Love, Beal, and Nixon attempts to collect from XXXX individuals with federally protected, exempt funds.
Company Response: Closed with explanation

Timely Response

2018-12-28

Okc, OK

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: Love , Beal & Nixon , P.C . Of XXXX XXXX, Oklahoma sent a process server to my home without any previous contact stating they have sued me for a debt collection from the past. I was sure I had paid this debt in the past but apparently not. This took place on XX/XX/2018. Since then I had made payment arrangements with them to pay {$50.00} a month towards a debt totaling {$1100.00}. I have made 7 payments to them so far. I checked my credit and it showed I had been making payments and it was down to {$810.00}. The last payment I made was on XX/XX/2018. A week later I received another notice in the mail stating I had not been making any payments and my balance was {$1100.00} and I needed to make payments or I would be garnished or sued again. I emailed them and told them I had made 7 payments and that my debt was down to {$810.00}. They also hit my credit report for being in collections and not paying which hurt my credit score badly. I have documented proof of my payments and dates and the original debt amount etc. they havent responded to my email in a month.
Company Response: Closed with explanation

Timely Response

2018-11-06

Tulsa, OK

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Love, Beal & Nixon were notified that the debt they are collecting for XXXX XXXX XXXX XXXX XXXX was the result of identity theft. They have been called and the identity theft report has been submitted. LBN is currently garnishing my pay and has made no effort to cease collecting or stopping the garnishment.
Company Response: Closed with explanation

Timely Response

2018-08-08

Wann, OK

Written notification about debt

Debt collection: Credit card debt

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

2018-07-20

Indiahoma, OK

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2018-03-22

OK

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: We had to declare bankruptcy in about XXXX or XXXX. We were then told to try to build our credit back up a little at a time. So, we took out some preapproved credit cards. Not realizing that the finance charges were so unfair. Then my husband was badly hurt at work. At about the same time. He is on social security XXXX. I have XXXX and it is well documented. Anyway, that was a long time ago. And I told them we absolutely had no money. The man on the phone cussed at me, he called me a liar and he sounded like I had taken money from him personally. Anyway I refused to make any kind of payment plan as we did not know what was going to happen to my husband. He could not ever be fixed. He can not read. He only knows hard labor and he can not do that. I only got my card because it was preapproved. It was XXXX XXXX XXXX. I tried to make payments to XXXX XXXX but simply was not able. Now, a place called Love, Beal, and Nixon has a lien on our place for almost 3 times what was ever owed. The info I have on them is that they can not make a living as real lawyers so they pick up these old debts and they try to scare you or badger you until you pay it. They are based in XXXX XXXX OK, XXXX. XXXX XXXX, XXXX phone # XXXX XXXX XXXX XXXX filled out the lien. XXXX XXXX XXXX, XXXX, # XXXX, XXXX XXXX XXXX # XXXX are supposed to be the lawyers. It has been so long since I even had a credit card or a bank account. I just want answers. I want to talk to the original place, XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2017-11-08

Mountain View, OK

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Hello! An employee of Love, Beal & Nixon, P.C fraudulently charging my debit card for his insurance plus he tried to spend {$470.00} at XXXX online when my bank called and shut down my card because of abnormal activity on XX/XX/XXXX. An employee of Love, Beal & Nixon, XXXX XXXX XXXX, called me from a different number ( his cell phone ) at XXXX XXXX to tell me my card number was invalid. I then explained to him that yes it is because I had some fraudulent charges on it. He seemed sympathetic etc and I told him that I would be getting a new card and would call him with that information. I called his office the next day, because I thought it was odd that he was calling me at XXXX and asked to speak to a supervisor. The man that answered the phone said he no longer works there. XXXX called me the next day while I was on a lunch break to ask if I had received a new card. I said Im a little confused because originally you told me that Love, Beal & Nixon does not accept debit cards and if you dont accept them why would you need it? He said because it would be a backup in case I didnt pay. I then informed him that I called the office and they said he no longer worked there. He denied it and asked who said that? I told him I didnt catch his name. I told him to call me back around XXXX and I would get the card and give him the number. He never called and Im assuming he knew that I knew it was him that did the fraudulent charges. I called Love, Beal & Nixon because I never got a call back, and asked to speak to a supervisor. The lady said she could help so I told her the story. She said you need more than a supervisor and placed me on hold. I spoke with XXXX XXXX, General Manager and told him my story again. He said XXXX no longer works there and that the XXXX had done this to another lady and she was filing a police report and that they, XXXX, XXXX XXXX XXXX, were filing something also. He asked me to fax him a copy of the police report when I got it. Love, Beal & Nixon P.C. took me to court over an old credit card debt. The credit limit was {$300.00} or {$400.00} and now is {$2600.00} that Love Beal & Nixon bought from XXXX XXXX XXXX XXXX. I asked if they would drop the interest off and I was told that he would fight it and so I agreed to pay {$50.00} a month. I would think that Love, Beal & Nixon would have some type of responsibility for their employees. I have written an email to XXXX XXXX on XX/XX/XXXX and as of today XX/XX/XXXX I never received a response to that email. I did receive a letter dated XX/XX/XXXX saying they have n't received my payment. I do not think that I should owe anything on this debt after an employee of their company wrongfully used my debit card. That person would have never had my debit card number if he was not a collector on an account of Love, Beal & Nixon. They have some liability for this/his action.
Company Response: Closed with explanation

Timely Response

2017-10-30

Mountain View, OK

Took or threatened to take negative or legal action

Debt collection: I do not know

Seized or attempted to seize your property
Complaint: Company Love, Beal, and Nixon, made a false statement that I had been properly notified about a court action regarding a debt they claimed I owed. ( It stemmed from XXXX XXXX for my granddaughter, XXXX XXXX ; they claimed that I co-signed. I did not ) They said I had been properly served. I had not been. Since I had not been notified, I did not appear in my own defense, so they won a judgment XXXX XXXX XXXX ) and placed a lien on my property without my knowledge. They did not notify me in any manner. I did not find out about it until I applied for a property loan in XXXX of XXXX. Love, Beal, and Nixon is the company who won the judgement against me, stated that I had been lawfully served, and filed a lien on my property. Part of the troublesome path I have been through is that three companies stall and waste time by blaming the other. All three are involved. I first filed this complaint against XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX because they were the ones who finally notified me that I was being help liable for anything. I named them because your question asks who notified me of this debt. I got a lawyer in XXXX of XXXX, who won for me, Order Vacating, Voiding, and Holding for Naught Judgement Lien that has been filed with Registrar of Deeds. Also a judgement for lawyers fees. The court minutes awarding lawyer 's fees in the amount f {$1900.00} and signed by XXXX XXXX, is against XXXX XXXX XXXX , XXXX with XXXX attorneys named, Love, Beal, and Nixon, and XXXX, XXXX, XXXX, XXXX, & XXXX. I can not afford to pursue collection. Now a lawyer tells me there is a two/three year statute of limitations to sue them. And I ca n't collect the judgement because the cost is prohibitive. Love, Beal and Nixon won in court without proper serving. ( They said I had been served by leaving information with my granddaughter, XXXX XXXX, at her house in which I had never lived. ) Love, Beal and Nixon filed a lien for {$7100.00}. I was never notified. Love, Beal, and Nixon ( or XXXX XXXX XXXX for whom they acted ) owes me {$1900.00} as awarded by XXXX County judge, XXXX XXXX. I have suffered other financial damage because of being denied a loan from my bank. I have suffered other damage because of the time and stress in tying to deal with this series of events. I have documentation for all these activities, but I do not know how to attach them. It is all on hard copy because my computer blew last fall and this electronic file went with it! The company has received all the material either from me or from my lawyer. I have 43 pages of documentation, if the company wants to see any of it, I can mail hard copies to them.
Company Response: Closed with explanation

Timely Response

2017-07-18

Wann, OK

Took or threatened to take negative or legal action

Debt collection: Auto debt

Sued you in a state where you do not live or did not sign for the debt
Complaint: I received a demand letter from Love, Beal and Nixon P.C. in XXXX , regarding a auto loan with XXXX XXXX XXXX -I took out a auto loan with XXXX and was told by the dealership that it was a requirement from XXXX that I had to have an extend service contract. After finding out that this was wrong and a fraud loan, I sent back the car to XXXX -and I was working with them while they were suppose to be investigating the dealership. I sent them out a validation letter requesting : 1 ) since they are the law firm representing XXXX , what was the results of the investigation. 2 ) Per the contract, I signed with XXXX , I agreed that the contract will be governed by the laws of the state of Kansas-How were they able to sue or collect the debt under the laws of Oklahoma. They did not answer these questions-they just sent me back my contract with XXXX , and a letter stating what I owed. Also, I was looking at my credit today, and found an inquiry from this law firm, requesting my credit-I did n't sign ANYTHING, that allows them to checking my credit. At this point-I have tried to contact the law firm and I get nowhere-I would like them to send this account back to XXXX , where I can deal with the balance owe directly and get the answers that are owed to me. And I want the Inquiry and any credit reporting removed from credit report.
Company Response: Closed with explanation

Timely Response

2017-05-06

Norman, OK

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Company Response: Closed with explanation

Timely Response

2017-04-27

OK

Communication tactics

Debt collection: Credit card debt

Called before 8am or after 9pm
Complaint: This company do not have the account any more. Do n't no why they keep calling and bulling me, my family members and friends. Maybe its because I solved a case for them. They should give me award instead of trying to bull me. Maybe its because there clients daughter works for them. These company need to have the same practice for all clients. If they are employees there family and friends get there accounts cleared or so I heard. ( Allegedly )
Company Response: Closed with explanation

Timely Response

2017-04-21

Enterprise, OK

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-20

Clairemore, OK

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

2017-03-20

OK

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I was contacted by the debt collection agency in regards to the debt I owed on a credit card. I had closed the account with the company because I knew I could n't make payments because I had lost my job. After several phone calls I was forced to block the number they were calling from because they would not cease and desist. It was a few months later when I received a phone call from my brother informing me that they had called his wife 's parents in an attempt to get my information. I explained the situation to my brother and apologized to his wife 's parents. Since that transpired the company has filed in court against me and I 've responded with a request for line item detail of the debt. They sent me a copy of the old credit card bill, that is all. I offered to settle and make payments, but they would not compromise. When I notified the woman on the phone that I would be making a harassment complaint she became angry and hung up the phone. The debt collection firm is Love, Beal, and Nixon out of XXXX ; notorious for trying to get default judgements and using scare tactics on people.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Greensboro, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: In XX/XX/XXXX -XXXX a credit card was taken out in my name with XXXX, I did n't find out about this till after I was going through divorce, and had moved out of where I was. I disputed it once i fou d out. I heard nothing back until i got the collection letter from XXXX. I again disputed and requested verification from them. I also coated XXXX myself with them having no information to provide aside account number, and address. A place I had n't been in over 4 years at this time. When asked to prOvid proof of debt, I was mailed a statement with the address I had n't lived at since XX/XX/XXXX. I was then served with a summons from love bealXXXX and Nixon out of XXXX, represented by attorney XXXX in XXXX oklahoma in XX/XX/XXXX. I disputed again, and my dispute was ignored, no verification of debt was given, no signed contract, not so much as a signed credit card receipt. I filed my dispute with court and explained that they have provided nothing to sustaniate the debt. It had to go to court in XX/XX/XXXX, I filed my dispute with the court. No proof was given on court either. A letter from a third party who swears by XXXX business practices says it 's verified, but no evidence was ever or has ever been given. LOVE BEALXXXX AND NIXON CONTINUE to filed motions with the court and a bill that was once {$1100.00}, is now {$2300.00}. They continually try to garnish my check even though my child support was already taking out half of my check. This is XX/XX/XXXX, and they are still causing my life XXXX, trying to garnish bank accounts, and paychecks and have never been required to show one bit of evidence that this is me. They rely on the fact that I am ignorant of the law, and do jot have enough money to hire attorney to fight. I have repeatedly told them this is not me. They will not show any proof, and tells me I have to prove it 's not me. How are they allowed to just take money frim me, and my family with no evidence aside a credit card bill sent to address I was not at any further, and a letter from a third party that neither works for the bank, nor provided any evidence. Please help, they are driving me crazy, I have even offered them XXXX to settle, because I thought there was no other way to deal with this. but they refuse because they can get more through XXXX corrupt court system.and garnishing my bank accounts. I am not able to open an account now, because the levy on my bank accounts made the bank charge me even more fees that I could n't afford resulting in another bad debt., this is causing tremendous stress with my homelife. Please help me. This can not be fair, or legal. If they garnish my check it will not allow me to pay my rent. Which will mean eviction and another bad debt. Please help!!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-01

Etowah, OK

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-01

Okc, OK

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Complaint: I was contacted by a debt collector in XX/XX/2016. I made an offer to repay loan. The representative told me he would submit my offer and get back to me. A week went by and I got no response so I called him back left a message. Waited another week called left another voicemail still no response. I was served with court proceedings regarding this student loan. I have been in negotiations with them. I made another offer to repay the loan. The same representative called me back and said the company wanted {$50.00} more a month than my offer. I explained I can not afford this at the moment. Once I pay some other debt off I could make higher payments. He wanted me to submit my personal checking info to his company. I do n't feel comfortable doing this. I would like to work with them but {$150.00} a month is all I can send at this time. He said this will not work unless I give my personal checking info.
Company Response: Closed with explanation

Disputed: No Timely Response