Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/03/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been trying to get ahold of this business for over a year to take care of an auto loan sent to them for collections. I have not been able to get through to them after calling countless times and even calling the original creditors and having them try to reach out. Every time I call the call is either ended or I spend upwards of an hour on hold before giving up. When the original creditors try to call they also never receive and answer and tell me they are sending a message to them to contact me and I should hear from them in 3 business days. I never do.

  Business Response

  Date: 04/14/2025

  I apologize for your difficulty in reaching our office.  We have tried to reach you at the phone number provided and have not been able to make contact with you.  Please call our office at ******************** to speak to an account representative. 

• Initial Complaint

  Date:03/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ******* ***** ******************************************************************************************** ************ 03-28-2025 **Subject: Formal Complaint Against Hayt, Hayt & Landau, P.L. for Unlawful Debt Collection and Wage Garnishment** **Account Number: ****************** I am filing this formal complaint against Hayt, Hayt & Landau, P.L. for engaging in improper and unlawful debt collection practices that have resulted in financial and emotional distress. Their actions include disclosing my personal financial information without consent, attempting to collect an unverified debt, and unlawfully garnishing my wages without due process. Specific Complaints: 1. **Unauthorized Disclosure of Personal Information**: The agency has improperly shared my financial details with third parties without my consent, violating my privacy rights. 2. **Attempting to Collect an Unverified Debt**: They are pursuing collection of a debt I do not legally owe without providing adequate documentation proving its validity. 3. **Failure to Provide Debt Verification**: Despite my requests, the agency has not provided written validation of the debt, including the original creditors details and an itemized statement of charges. 4. **Unlawful Wage Garnishment**: My wages are being deducted without a valid writ of garnishment or proper legal notification. This has caused financial hardship and is a direct violation of my rights. Requested Actions: - Investigate Hayt, Hayt & Landau, P.L. for their improper debt collection practices. - Require them to provide full legal validation of the alleged debt. - Cease all unauthorized third-party communications about my financial information. - Stop wage garnishment until a valid legal verification is provided. - Reverse any improperly deducted wages. I urge the BBB to take immediate action to prevent further harm to consumers and hold Hayt, Hayt & Landau, P.L. accountable for their unethical practices. Sincerely, ******* *****

  Business Response

  Date: 04/07/2025

  Hayt, Hayt & Landau, P.L. (Hayt) has reviewed the inquiry made by Mr. ****** investigated the allegations and responds as follows:
  Hayt is a law firm that performs legal services on behalf of **************** N.A.  (hereinafter referred to as the Bank). On or about February 8, 2023, the Bank placed ********* account with ************ for collection of a defaulted *************** credit account.  A lawsuit was filed in Palm Beach County Court on or about May 10, 2023 and after no response from Mr. ****** the Court entered a default final judgment on or about September 19, 2023. Pursuant to Florida Statute, a wage garnishment was issued by the court on or about February 14, 2025 for collection of the default final judgment. No objection to the garnishment has been filed by Mr. ****** Hayt did not share any information with a third party except as required by the garnishment statutes.Additionally, Hayt does not report accounts to the credit bureaus. As requested in the inquiry, Hayt will send Mr. ***** verification of the debt for his review.
  If Mr. ***** has any further questions regarding the account,a representative from Hayt can be reached at ***************************    

• Initial Complaint

  Date:03/26/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On March 15, 2025, I received a letter from Hayt Hayt and Landau alleging that I owe a debt to *************. Upon receipt of this letter, I made 4 attempts to contact this business to diplomatically request a detailed validation of debt letter in accordance with my consumer law rights and under the Fair Debt Collection Practices Act (FDCPA). Each time I called I was inappropriately transferred, abruptly hung up on, or mistreated by the representative(s) by them not respectfully answering my questions, and now here I am on March 25th still seeking answers that do not violate my consumer law rights. I encourage this business to review the calls to see how I have not been properly assisted.This complaint serves as my attempt and request for a detailed debt validation letter I want my request in writing, I demand a cease of debt collection efforts until my validation request has been satisfied. Furthermore, any and all negative credit reporting efforts must cease expeditiously and be remove from my credit files until this validation is complete. I do not agree with the information at this time and believe that I am experiencing a defamation of character when information is being reported against me that I do not believe are ********** validation request letter involves the following request and please provide to me in writing:- the full account number, name and address of the original creditor - any and all contracts for this account with my signature and date -the aggregate amount of purchase for this alleged debt upon transfer - a 1099c if this account is a charged off -a full itemization of all payments received since account opening - a full break down of how the current alleged amount owed was calculated - a breakdown of fees from when this debt was transferred - all billing statements up to and including the most recent statement -When the creditor says it was due, and when it became delinquent -When the last payment was made

  Business Response

  Date: 04/07/2025

  I apologize for your difficulty in reaching an account representative and Hayt, Hayt & Landau will internally review all phone calls received from Ms. ************ Our account notes reflect on 3/25/25 that you spoke to an account representative Daniria ****** and verbally requested validation of debt.  ********** has prepared for mailing a validation of debt response letter pursuant to your request on 3/25/25.  If you have any further questions please contact our office at *************************** 

  Customer Answer

  Date: 04/07/2025

   
  Complaint: 23114493
  
  I am rejecting this response solely because I am missing so additional feedback regarding my concern as follows; 
  
  As of today 4/7/25, I have yet to receive the aforementioned details outlined in my validation of debt request dated 3/25/25. 
  

  With all due respect, please mail me the entire details requested in my documented compliant that I sent on 3/25/25 so that I can further review this matter as appropriate. 

  Thank you for acknowledging that I experienced difficulty reaching a representative.
  

  Quick note: There was a call where I was either inappropriately transferred or hung up on.

  Daniria at ext 167 was my final call ( after multiple attempts) and she was the only professional representative that listened to me , but I was still so upset at how I was handled that I questioned the integrity of the business. 
  

  Finally - 

  As a consumer I have rights and deserve to be treated with respect.
  

  In conclusion, please send me the validation details for review. 

  Thank you for addressing my complaint. Please advise.

  Sincerely,
  
  **** *****

  Business Response

  Date: 04/14/2025

  Hello our office mailed you the validation of debt request.  If you have not yet received it please contact our office at ********************. 

• Initial Complaint

  Date:03/05/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was served with a summons from this company on 3/4/******* not know why. I tried to reach them on ************, held for over an hour, no one answered.

  Business Response

  Date: 03/06/2025

  I apologize you had trouble reaching someone in our office.  We tried to reach you today however, we were unsuccessful.  We are available for a call back at ******************** or ext 114 if you would like to contact our office again.  

  Customer Answer

  Date: 03/10/2025

   
  Complaint: 23024496
  
  I am rejecting this response because:
  
  Sincerely,
  
  Pamalu ****

  Business Response

  Date: 03/10/2025

  Hello You state that you are objecting to our response.  You may contact our office at ******************** or ext 115 regarding this account.

• Initial Complaint

  Date:02/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In September of 2024 I finished refinancing my *** loan to pay off my debt. The federal government requires that certain debts be paid when refinancing an *** loan. The money for those debts is placed in an escrow and checks are delivered to the home owner to mail out. In June of 2024 I paid this debt and sent the check via certified mail: 9589 0710 5270 1525 9337 88. It was received at the same time I sent another check to the same debt collector. One check mad been cashed, the other, the one in question on this complaint has not. I have sent one letter to this collection agency already disputing this debt and theyve ignored it. This is my last attempt to end this, my next step is to file a federal complaint and then seek litigation for the harassment I am enduring at the hands of this collection company. This is all verifiable trough **** documentation and the money still sitting in escrow for almost 9 months. This is a scam or grossly negligent to attack a hardworking persons credit improperly in this manner.

  Business Response

  Date: 03/10/2025

  Hayt, Hayt & Landau has forwarded this complaint to our client for review.  Upon receipt of a response we will respond to this complaint.  

  Business Response

  Date: 03/19/2025

  Our ************************ is still investigating Mr. *********** BBB Complaint.  A response will be filed shortly. 

  Business Response

  Date: 03/21/2025

  Hayt, Hayt & Landau,P.L. has sent Mr. ********** complaint to ****************************** the current creditor for the $5,715.79 debt disputed in the complaint.  In response, ****************************** has recalled the account from our office and advised us that they will be writing directly to Mr. ********* concerning his dispute.

• Initial Complaint

  Date:01/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a settlement agreement with this firm whereby I am making monthly payments on a debt and the firm has not provided any statement or online access to payment history. Additionally, when you call the firm 99% of the time you are in a que for customer support with no answer and the one I got through and reach representative *** ******** he advise he was not able to access my account and put me back in the que for another with no answer. My steps is to write a letter to the judge who signed off on the settlement adviser her of my experience with the firm and their failure to adequently service this settlement account.

  Business Response

  Date: 02/12/2025

  Hayt, Hayt & Landau, does not send statements/receipts.  From review of your file, you spoke to our office on 1/24/25 and we sent you a copy your payment history.  As of 2/12/2025 you have paid $825.00 on this account.  Feel free to contact me directly at ******************** for balance information.      

• Initial Complaint

  Date:01/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I owed $4,287.17 I paid up front$2,000.00 they got thr payment from ach payments in october of 2024 . They refuse to send thr updated amount I owe to my employer so my employer can stop taking money from ******** every two weeks my employer has take. Out so far $2,500.86 that way more then owned in the beginning of the debit. My employer said they cant stop thr garnishment because the debit collection refuse to send an updated file on my debit owned. Called several times to speak to them and the they say they cant no explanation.they keep taking money from me and wont stop i talked to gwinnett county court garnishment department and they also said that the file says i still owe $4,287.17 and they have sent them the money December *******. They are stealing!

  Business Response

  Date: 01/15/2025

  In order to respond and resolve this complaint I need more information to identify your account with our office.  You can call ******************** for assistance.  Thank you  

  Customer Answer

  Date: 02/05/2025

   
  Complaint: 22812836
  
  I am rejecting this response because: I have called mutiple times to discuss the matter and always told that a manger will call me back after looking into it. Never received a call back. I called again and the phone just rings no one answers . I have proof from the gwinnett county court that the check have sent in 12/14/24 and another  check sent in Jan, 15 2025 and proof that I made a $2,000 payment in October of 2024. I also have proof of my pay stub saying I already paid the full amount.

  I just want my garnishment to be released so my employer can stop garnishment my checks and all the extra money taken out to be paid back in full. 

  Sincerely,
  
  ****** *******

  Business Response

  Date: 02/12/2025

  With the updated name that you provided we are able to respond. 

  To date,  we have received  a payment in the amount of $1,389.09 from *************** on 1/6/25.  The balance remaining on the Judgment as of today is $1,008.98.  (Judgment is accruing post judgment interest too).   We will contact Gwinnett County to inquire about any additional funds from your employer as the firm has only received 1 payment from the court.     

  Customer Answer

  Date: 02/17/2025

   
  Complaint: 22812836
  
  I am rejecting this response because: I have already spoke to Gwinnett County court and they said they have sent you more than one check. Please release the garnishment. I called multiple times to speak to someone  and no answers or they transfer me to different departments. 

  
  Sincerely,
  
  ****** *******

  Business Response

  Date: 02/20/2025

  Our office receive a payment from the court on 2/19/2025 in the amount of $738.29.  To date, we have received $2,127.28 from the court.  I did try to contact Ms. ******* today no answer.  She may contact me at ********************.  

• Initial Complaint

  Date:01/14/2025

  Type:Billing Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Was working with a servicing company for **** called resurgent capital I have documentation asking for verification of the debt ever since April 202. I never received the verification, but it is on my credit report which I believe violates the law. Fast-forward During the Christmas holidays I received a letter from this law firm that never answers. Their phones has no email address and their website is shady. I am making them aware that today. I sent out a certified letter coming from ******* Florida disputing this debt ending in 2527. reason Im writing and documenting this is looking at all the complaints this particular organization says they never received anything when a client says they mailedthem something so I am doing double duty. I have a copy of the certified mail receipt as well as all the communications between myself and resurgent. The amountof the debt is $1991. I have been more than willing to work with anyone as long as they provide me with verification and Im not about a billing statement. I am talking about the full accounting of this particular debt. I also wanna make sure that an actual lawyer swears underthe penalty of perjury that theyve gone over the conditions with the **************** on whether or not they have the ability to collect this debt. I also included an arbitration clause that states I can choose to go to arbitration if need be. Once again, phones are never answered. They have a website that looks remotely legitimate all it says is Make a Payment on their website no contact information that you can actually get through to someoneand no email information Though I can quickly find out through ******** and ****** search the emails of some of the people that work there. This is a formal verification and dispute of this debt retreated. Resurgent said I sent them a cease and desist on this account. I did not. I sent them a and desist on a debt that was over seven years old with *** and Credit one. Account #******** for firm

  Customer Answer

  Date: 01/21/2025

  Confused it says paid from **** Resurgent Capital 

  Customer Answer

  Date: 01/21/2025

  I used DocuSign to fill out this paperwork and just attached it so you can get the information that you need from this organization. Thank you so much for giving me a call today.

  Business Response

  Date: 01/25/2025

  Hayt, Hayt & Landau, Pl has sent ******************** to it's client for review and response.  Hayt, Hayt & Landau, needs additional time to respond to Mr. ******** complaint.  

  Business Response

  Date: 01/27/2025

  Hayt, Hayt & Landau, P.L. (Hayt) has reviewed the inquiry made by Mr. ******* investigated the allegations and responds as follows:

  
  Hayt is a law firm that performs legal services on behalf of ***************** (hereinafter referred to as ****). On or about November ******** **** placed Mr. ******* account with ************ for collection of a defaulted Cerulean **************** account ending in 2527. On or about June 26, 2024, **** sent to Mr. ****** verification of the debt, which included the name original account number, the original creditor, the current balance and the charge off billing statement from the original creditor. Hayt mailed the initial notice pursuant to 16 U.S.C 1692g to Mr. ****** on December 10, 2024 and received this inquiry in response. Hayt has forwarded this to **** and anticipates sending out additional verification of debt for Mr. ****** to review..

  
  If Mr. ****** has any further questions regarding the account, a representative from Hayt can be reached at *********************.     

  Customer Answer

  Date: 01/28/2025

  Approximately 5 days ago received notification that a turnkey operation named Trak America is handling my account after they clearly told me and the letter that I got was from this organization 

  Hayt Hayt & Landau from Resurgent now its Trak America Who am I supposed to be dealing with this account has changed different servicers approximately five times one is a turnkey operation and one is a collection law firm am I to assume that the ************ a turnkey operation turned this over to the collection law firm I dont like assuming anything so clarification would be great and of course, I have no problem with the firm taking their time. Im not unreasonable..

  Business Response

  Date: 01/29/2025

  Hello After I sent the request for extension.  I was able to respond the Complaint.  

  Business Response

  Date: 01/29/2025

  Hayt, Hayt & Landau, P.L. (Hayt) has reviewed the inquiry made by Mr. ******* investigated the allegations and responds as follows:
  
  Hayt is a law firm that performs legal services on behalf of ***************** (hereinafter referred to as ****). On or about November 27, 2024, **** placed Mr. ******* account with ************ for collection of a defaulted Cerulean **************** account ending in 2527. On or about June 26, 2024, **** sent to Mr. ****** verification of the debt, which included the name original account number, the original creditor, the current balance and the charge off billing statement from the original creditor. Hayt mailed the initial notice pursuant to 16 U.S.C 1692g to Mr. ****** on December 10, 2024 and received this inquiry in response. Hayt has forwarded this to **** and anticipates sending out additional verification of debt for Mr. ****** to review..
  
  If Mr. ****** has any further questions regarding the account, a representative from Hayt can be reached at *********************.     

  Customer Answer

  Date: 01/30/2025

   
  Complaint: 22811346
  
  I am rejecting this response because: I did not receive verification or validation of this debt from any organization. **** has used four different collection, agencies or servicing agencies to which I showed proof of me asking for debt validation from each one of these entities, including this law firm and have yet to receive it, I can prove that I asked for validation. I would like proof that they sent me debt validation letters for each one of their servicing companies, which is protected by the ************************************. Also notification of new assignment each time a new servicer takes on this account, giving me a statement saying its a debt when its an actual account and only giving me the last page of a statement is not debt validation. I need to know how they came up with that number. I need all statements not just the last page of the statement and as far as **** funding owning this debt is it securitized ? and what is the bill of sale between any of these entities with **** funding who actually sold this disputed debt to **** funding and a complete transfer of sale they put this on my credit report without validating it just recently resurgent told me that another company was handling this debt called **************** I assume handled or found this law firm I would like to know the relationship between this organization and the law firm who am I supposed to be dealing with? I have no problem, waiting for complete debt validation I also attached a copy of **** funding saying that this was paid off. Please advise.
  
  Sincerely,
  
  **** ******

  Customer Answer

  Date: 01/30/2025

   
  Complaint: 22811346
  
  I am rejecting this response because: I did not receive verification or validation of this debt from any organization. **** has used four different collection, agencies or servicing agencies to which I showed proof of me asking for debt validation from each one of these entities, including this law firm and have yet to receive it, I can prove that I asked for validation. I would like proof that they sent me debt validation letters for each one of their servicing companies, which is protected by the ************************************. Also notification of new assignment each time a new servicer takes on this account, giving me a statement saying its a debt when its an actual account and only giving me the last page of a statement is not debt validation. I need to know how they came up with that number. I need all statements not just the last page of the statement and as far as **** funding owning this debt is it securitized ? and what is the bill of sale between any of these entities with **** funding who actually sold this disputed debt to **** funding and a complete transfer of sale they put this on my credit report without validating it just recently resurgent told me that another company was handling this debt called **************** I assume handled or found this law firm I would like to know the relationship between this organization and the law firm who am I supposed to be dealing with? I have no problem, waiting for complete debt validation I also attached a copy of **** funding saying that this was paid off. Please advise.
  
  Sincerely,
  
  **** ******

  Business Response

  Date: 02/12/2025

  firm has responded to this complaint

• Initial Complaint

  Date:01/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have an agreement in place with this firm for over 5years. I have been paying required amount for over 5 years and my balance has not changed, I still owe he same amount as I owed when agreement started. I have called and left several messages to try and find out why the balance isnt changing but can never get a call back. I have received no correspondence in mail from them about any back or over due charges but ***** will answer my calls or request so I can get this figured out and credited to account properly..

  Business Response

  Date: 01/10/2025

  In response to Ms. ******** complaint and our call she has been credited for payments made and the balance has been reduced by the payments made.   If Ms ******** has any additional questions please feel free to contact our office at ************.  

• Initial Complaint

  Date:12/13/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was sued by this place and went to court made a payment arrangement on my ************ Ive kept track and have about four payments left. Ive been calling and messaging very incompetent lawyers here. Have not responded. If they dont respond why do I have to keep making payments?Youre lawyers Im making my payments and reaching out to see if thats correct and move it off my credit report. No response. Have used three different emails to send messages called several times left voicemails.

  Business Response

  Date: 12/13/2024

  Mr ****** has filed a BBB Complaint against the wrong company.  Our law firm name is Hayt, Hayt & Landau, PL located in ** and ***  We do not have an account in our office for him.  

  Customer Answer

  Date: 12/16/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** ******