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:03/08/2023

  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 received a letter for wage garnishment for a debt owed from 2016. I agreed to pay ****** a month and they went into my bank account and took ******* from me. I only owed them *******. How can they just take my money. This is not right. I have a mortgage and kids to take care of

  Business Response

  Date: 03/10/2023

  Pursuant to ******** law, banks freeze two times the balance owed (although they will clearly not turn over more than that which is owed). Once an Answer is received from the bank and a turnover order is entered (or the consumer pays the balance in full in certified funds), the hold on the bank account will be released. The customer can request a more expedited hearing before the Court.

• Initial Complaint

  Date:01/31/2023

  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 $14,000 debt with 5/3. This debt collector doesnt even own my debt. They somehow charged $44,000 to my bank account. My account is frozen. They will not help me. They say there is no solution besides going to my court date march 16th (it is January 31) so they are telling me i will have no access to my money for almost 2 months. Again, they dont own my debt and 5/3 told me they should not even have my file.

  Business Response

  Date: 02/02/2023

  Markoff Law is a debt collector who collects debts on behalf creditors. Our client, Fifth Third, has a judgment against the consumer in this matter.  As a result of the judgment that was entered, a Citation to Discover Assets was filed on behalf of our client, with the consumer's bank being the named respondent.  The consumer appears to be complaining about the fact that the court date is currently set for March 16th. There is nothing in law that determines a court date for a citation to discover assets.  However, the Citation Notice, a copy of which was sent to the consumer, lays out the consumer's option to have an earlier court date if she chooses.  Pursuant to the Citation Notice, if the consumer wishes for an earlier court date, she simply needs to request one in writing with the Clerk of the Circuit Court. 

• Initial Complaint

  Date:12/23/2022

  Type:Service or Repair 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.

  ******** Law Firm delivered a summons in July 2022. On the summons it said second appearance. After reaching out to them I asked when the first summons was attempted and they stated 2020, but then said with COVID and such it couldn't be delivered. It was supposedly attempted on Feb. 14th which for a fact I know that I was at home. I then called to get more information on the debt and explained my circumstances. I offered to settle the debt seeing as it was a family matter and they offer me ****** a month. I scanned and emailed the agreement and they told me that they would submit to the judge. I never heard back from them or received any information as to how to begin to make payments. I also never received another call or email from them. Fast forward to December 2022 and they have garnished my wages. I have asked numerous times for information on payments made toward the debt, IP address loan orginated from, copies of documents submitted to prove that I was the one taking out the debt, recorded phone calls etc, and have received nothing from them. It was stated that ********* had sent me emails to settle the date which I also asked for dates of so that I could research that information in my emails. I then asked them why the company they represent no longer operates in ******** and they said I can assure you they do. Well they do not give the types of loans that this company says that I have taken out in the state of ******** at this time.

  Business Response

  Date: 12/27/2022

  Markoff Law represents ********************** LLC in this matter. Our records do indicate there has been communication between our office and *************************. A settlement payment agreement was discussed but the signed document was never received back and no payments were made. ************************* signed an Agreed Order for Judgment and it was entered by the Court July 27, 2022. Our office moved forward with a legal request for garnishment once payment were not received as agreed. Please advise if any other information is needed. 

  Customer Answer

  Date: 12/29/2022

   
  Complaint: 18632962
  
  I am rejecting this response because: I never received a letter of settlement to sign and return. Same as the attempt to serve me paperwork on Feb. 14th. Opp loans has agreed to a settlement and has stated that there will be no wage garnishment as stated in the email below. 

   

  RE: Fwd: Settlement agreement (2nd REQUEST) [ ref:_00D50ciJ8._5004u2otdmN:ref ]
  
  
  
  Payments <*****************************> via 7zj7jn7f5pa37a.5-cij8eai.na147.bnc.salesforce.com 
  to: ********************* <*******************>
  
  date: Dec 28, 2022, 2:55 PM
  subject: RE: Fwd: Settlement agreement (2nd REQUEST) [ ref:_00D50ciJ8._5004u2otdmN:ref ]
  mailed-by: 7zj7jn7f5pa37a.5-cij8eai.na147.bnc.salesforce.com
  security:  Standard encryption (TLS) Learn more
  : Important mainly because it was sent directly to you.
  
  
  Hello *******,
  
  Thank you for contacting OppFi. As a valued customer this is not the impression, we wish for you to have about the company. We see that you did in fact speak with someone regarding this matter. At this time, we will honor the settlement offer and will not garnish any payments. A supervisor in our payments department will be contacting you to discuss and speak with you regarding any questions or concerns you may have and to discuss more in depth. The supervisors name is *****. We apologize for any inconvenience this may have caused you at this time. If you have any questions or concerns, please feel free to contact our payments department at **************. Thank you for choosing OppFi.
  
  Regards,
  
  OppFi

   

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

  Business Response

  Date: 01/03/2023

  Markoff Law LLC will be stopping the garnishment following a direct settlement agreement between the customer and our Client. ********************** was unaware of this agreement when the prior response to the BBB Complaint was provided. 

• Initial Complaint

  Date:12/21/2022

  Type:Service or Repair 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.

  **** THE EMPLOYEE THERE IS THE MOST DISRESPECTFUL U KNOW WHAT , ALSO THE RECEPTIONIST YOUNG IGNORANT MAN WHO ANSWERS THEIR PHONES, THESE PEOPLE ARE SCAMMERS AND CLAIM THEY ARE COLLECTING A DEBT, FROM 15 YEARS AGO??? WELL IM SURE THE LOAN COMPANY HAS SOLD THIS DEBT TO THEM FOR A MUCH MUCH LESS PRICE THAN WHAT I AM BEING CHARGED, IF THEY HAVENT ALREADY CLAIMED THIS DEBT AS A LOSS FOR THEM AT THE END OF THE ****** THEY HAVE STOLE $5000 PLUS FROM ME STRAIGHT OUT OF MY BANK ACCT AND MY BALANCE NEVER GOES DOWN,, I HAVE CALLED THEM NUMEROUS TIMES , LEFT MESSAGES AND NO ONE HAS CONTACTED ME, OH YEA THATS RIGHT YOU ALREADY GOT OVER $5000 OF MY MONEY WHY WOULD YOU WANT TO TALK TO ME, I HAVE TRIED TO PAY MY BALANCE IN FULL BUT INSTEAD THEY ARE GARNISHING MY WAGES AND MAKING MY LIFE A LIVING H*** I CAN NOT WAIT FOR THIS COMPANY TO BE EXPOSED FOR THE LIES . ***** ORDERED NO GARNISHMENTS AND THEY ARE STILL TAKING MY MONEY DISPITE WHAT THE JUDGE SAID

  Business Response

  Date: 12/27/2022

  Markoff Law does not own this debt, it is a law firm representing the Plaintiff, ****** **************** I have pulled the recording from this referenced call with **** and it was in no way rude or disrespectful. Judgment was entered on this matter, as was a Wage Deduction Order / Turnover Order. All funds withheld were in accordance with that Garnishment Order and have been applied to the balance of the account. This Final Judgment accrues interest at the rate of 9% per year. Markoff Law has not taken any improper action.

• Initial Complaint

  Date:07/11/2022

  Type:Order 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.

  Markoff is stating I agreed to paying them the $3,000 alleged debt I owe. I was forced illegally to pay the $3,000 due to your firm garnishing my bank account. So please rephrase from stating I agreed. I was forced to pay the $3,000 so your firm can release the hold on my bank account. There's no statute of limitations on FRAUD! It doesn't matter if it took me 10months to realize I was taking advantage of as consumer. Throughout this entire process. And now I would like to exercise my consumer rights. Section 4 of this retail installment contract states " ANY HOLDER OF THIS CONSUMER CREDIT CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. It also states "BUYER AGREES THAT THE PROVISIONS ON THE REVERSE SIDE HEREOF SHALL CONSTITUE A PART OF THIS CONTRACT AND ARE INCORPORATED HEREIN, TOGETHER WITH ALL OTHER DOCUMENTS EXECUTED BY BUYER CONTEMPORANEOUSLY. THE FEDERAL ARBITRATION ACT(FAA) provides that arbitration clauses in any contracts "Shall be valid, irrevocable, and enforceable, save upon such grounds as exist at law or in equity for the revocation of any contract."9 U.S.C 2. 9 U.S.C. 2 -VALIDITY, IRREVOCABILITY, AND ENFORCEMENT OF AGREEMENTS TO ARBITRATE A written provision in any maritime transaction or a contract evidencing a transaction involving commerce to settle by arbitration a controversy thereafter arising out of such contract or transaction, or the refusal to perform the whole or any part thereof, or an agreement in writing to submit to arbitration an existing controversy arising out of such a contract, transaction, or refusal, shall be valid, irrevocable, and enforceable, save upon such grounds as exist at law or in equity for the revocation of any contract or as otherwise .

  Business Response

  Date: 07/22/2022

  Markoff Law represents creditors to collect on outstanding debts owed the creditors.  On March 10, 2021, the consumer agreed to settle her account in full for $3,000.00 payable immediately. A Release (Satisfaction) of Judgment was signed and given to ************ when she made her payment. 10 months have now passed and we have heard nothing from ************ until a couple weeks ago when she sent us a demand for arbitration that includes the same document filed with the BBB.  ************ alleges there was an arbitration agreement that was breached by our client when our client choose to *** her in court.  ************ continues to ignore Section 3 of the contract which states, SECTION 3. EXCLUSIONS AND LIMITATIONS and includes in relevant part, Seller and its assignee reserve under this Arbitration Provision their right to choose between arbitration and other legal or equitable proceedings (such as an action commenced in a court of law) for the resolution of their disputes arising out of this Contract and buyers default thereunder, including collection of any amounts due thereunder. Our client chose to avail itself of the litigation process through a court of law to collect the amount due after the buyers default and therefore did not violate the contract in doing so.

• Initial Complaint

  Date:06/24/2022

  Type:Service or Repair 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.

  This is a complaint against me filed by markoff law for a 13 year old matter in which I had resolved then to a conclusion of amount owed this law firm either bought this information and is a secondary party to this matter this again is 13 years old I had deposed of my file in this matter2 years ago the original company most likely was satisfied with the matter or would of pursued it *********************************************************************************************************************************************** will county *******

  Business Response

  Date: 07/05/2022

  Markoff Law represents the creditor in this matter.  This debt stems from a loan agreement the consumer entered into which was backed by a security interest in a motor vehicle.When the consumer defaulted on his loan, the vehicle was repossessed and sold at auction.  All required UCC notices were sent to the consumer, including an explanation of deficiency explaining to the consumer that there was still a balance owed on this account.  The consumer has provided no proof that this was previously resolved. 
  
  Regarding the statute of limitations, in ******** it is 10 years on a written contract.  The consumers last payment was on 7/6/2012 and suit was filed within the statute of limitations on 3/17/2022. We are happy to work with the consumer on an amicable resolution of this matter should he wish to contact us directly.