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Complaint Details
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Initial Complaint
07/01/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
SCOTT AND ASSOCIATES TOOK ME TO CIVIL COURT TO COLLECT AN OLD DEBT FROM CREDIT ONE CREDIT CARD COMPANY. I AM DISABLED AND THE **** SHOULD BE DROPPED AND REMOVED FROM MY CREDIT REPORT, ASAP !!!Business response
07/10/2024
Please see attached response letter.Initial Complaint
06/22/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
THIS COMPANY CHOOSES TO HARASS ME, AND IGNORE MY LETTER THEY ARE VIOLATING THE FOLLOWING : Title 15, U.S.C. 1692 - 1692p, which encompass the following: 1692 - Congressional findings and declarations of purpose: Outlines the purpose of the ****** including the elimination of abusive debt collection practices. 1692c - Communication: Limits the ways in which debt collectors can communicate with consumers, particularly regarding the consumers location and third-party communications. 1692d - Harassment or abuse: Prohibits debt collectors from engaging in any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 1692e - False or misleading representations: Prohibits debt collectors from using any false, deceptive, or misleading representations or means in connection with the collection of any debt. 1692f - Unfair practices: Prohibits the use of unfair or unconscionable means to collect or attempt to collect any debt. 1692g - Validation of debts: Requires debt collectors to provide consumers with a debt validation notice that includes the amount of the debt, the name of the creditor, and a statement of the consumer's right to dispute the debt within 30 days. 1692i - Legal actions by debt collectors: Dictates where debt collectors must file lawsuits regarding the collection of debts.Business response
07/03/2024
Please see attached response.Customer response
07/03/2024
PER 15 U.S.C. 1692a(6). YOUR COMPANY IS A DEBT COLLECTOR, As ruled in ****** ******************, 514 U.S. 291 (1995)
VALIDATION OF DEBT HAS NOT BEEN PROVIDED, PROVIDE ALL THE DOCUMENTATION THAT HAS BEEN REQUESTED:
PROVIDE THE VALIDATIONS OF DEBT THAT WAS REQUESTED IN THE CORRESPONDENCE THAT WERE DELIVERED JUNE 29, 2024 & MAY 14, 2024
SEND THE INFORMATION NOW, OR IT WILL BE DEMANDED DURING DISCOVERY FOR COURT.
Business response
07/09/2024
Thank you for your feedback. Scott & Associates ("the Firm") appreciates another opportunity to answer your concerns. We have notified our client of your request for verification of the debt. They will send the verification information by separate correspondence. Please allow 30 days to receive the information. Per your request, your file remains on a cease communication hold with the Firm. As such, we will not communicate with you except for limited circumstances as applicable per federal and state law. We would also ask you to be aware that a cease communication does not apply to the legal process. Should you have any additional questions, you may contact our offices at ************** between the hours of 8:00AM and 6:00PM CT Monday Friday. This communication is from a debt collector.Initial Complaint
05/22/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
We have received a notice from Scott & Associates regarding an account in the name of & belonging to *****************. It appears that Scott & Associates is in possession of the account, but has not submitted any proof of the right to claim the legal title. We did not authorize Scott & Associates to hold the account. We need further clarification of your possession and who authorized this without the consent of the Executor Office.Additionally, if you do not have any proof of this, we would like to further connect with you as you have agreed to be our agent and we graciously accept your role and welcome you to do what is in our best interest.We have enclosure the notice from Scott & Associates and will be happy to send an updated agreement for possession of the legal title.Business response
05/31/2024
Please see attached response.Initial Complaint
05/18/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Called 2 weeks ago to settle from going to court. Took my payment and yet I come home from taking my husband to MD ******** to find I am still being sued.Business response
05/31/2024
Please see attached response.Initial Complaint
04/04/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
On 01-11-2024 I received a letter from ********************************* claiming I owe a debit of $11,391.13. Their letter contained many violations to my consumer rights. Being alarmed by this matter since my information has been involved in the data breach. On 01-31-2024 I sent them a ************** and Debt Validation letter stating 15 USC 1692 (g) that their claim is disputed and validation is requested. I asked for 1.Audit trail (including all documents, papers, correspondence, books of account, ledgers, notarized documents, financial and corporate records, transaction summary, accounting file, etc. and any and all other names it could possibly be called. 2.Validation of the debt (That is, the actual accounting.) 3. Verification of your claim against me (That is a signed INVOICE. NOT A STATEMENT) 4. A Copy of the Contract binding both parties (You and I in a letter by certified mail so that there is an independent witness to it having been delivered.) None of these documents have ever been sent to me to validate their claim against me. They responded 02-06-2024 stating they have verified without providing any document to validate disputed information. There is multiple violations against my consumer rights within their response letter. I responded to their claim with an unrebutted Affidavit of Truth 02-28-2024. They completely ignored my response and have yet to show proper verification steps on disputed debt 15 USC 1692g(b).Business response
04/17/2024
Please see attached response.Initial Complaint
04/01/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
In February of 2024 I got a call from Scott, ******** and Associates saying that I had a debt that started back in 2014 and it was around $4000. I do not have any debts on my credit and I pay all of my credit cards on time. I was very confused, so I asked the lady to tell me when and where it was opened and she said in ************ which I havent lived in since I was 11 years old so it could not have been my debt. She then said that it was probably fraud and the phone call ended. I just got another call from them saying that they were going to garnish my wages because they had sent multiple letters to my home. I have not received any notifications from this company or the court. They said that I could pay $1400 today and have it resolved. But I dont even know this company and I asked for documentation that they had sent supposedly to my house to my email address and they said they would but then they refuse to send me anything. Every time I call they just hang up on me or they send me to voicemail. Now they wont even deal with me and it seems fraudulent.Business response
04/03/2024
Scott & Associates has been unable to locate a business relationship with this consumer. We would also note that we are not Scott, ******** and Associates.Initial Complaint
03/26/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This is the second time Scott & Associates has filed a claim against me for the same collection. I have contacted Portfolio Recovery and they informed me they submitted a claim in 2020 and this claim is now closed. They must stop harassing people.Business response
04/10/2024
Please see attached response.Initial Complaint
03/14/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
a charge of $1585.09 was made on 3/11/2024 to my bank account for an alleged account that is non existent. No explanation of when this alleged account was established or for what services.Business response
03/19/2024
The Firm has reviewed its records and is unable to confirm a business relationship with the individual named in the complaint.Initial Complaint
03/07/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I started off with 3 accounts with this collection agency. Since Scott & Associates purchased my accounts, they have mailed me several settlement offers for each account. There is always an offer mailed in February. They have recently also mailed settlement offers in September as well. The settlement offers are always for the same amount (70% of the balance due). I contacted them in September of 2022 to pay off one of the accounts. At the time, I didn't realize what was going on with the settlement offers. I settled the first account for 80% of the balance due. The difference of 70% and 80% of that account was only about $100, so it wasn't a huge deal. After that payment was made, I received settlement offers like clock work on the other two accounts. When they were mailed, I wasn't financially stable enough to pay them. The last settlement offer I received was Sept 2023. For the past few months, I have been contacting Scott & Associates to settle both accounts in full. I have been told that my settlement offer available to me at this time is around 92% of the balance due. That is a difference of $725 for one account and $606 for the other account. When I demanded to talk to a manager, I was able to get a slightly lower settlement offer, but no where near the settlement amount that had been offered to me several times before. Coincidently, no settlement offer was mailed to me this February, like it had been every single year in the past. I want to settle both of these accounts, but I do not want to be taken advantage of. I feel like I am being played with. Here's your settlement offer. Too late, it's gone. Here it is again. Just kidding. No it's not. I am a real person, working a real job, taking care of a real family, trying to do the right thing. What this company is doing is WRONG. It is not right to toy with someone's livelihood.Business response
03/20/2024
Please see attached response.Initial Complaint
02/26/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
Abusive letter from a debt collector claiming that I owe money to a creditor that I have never heard off.Calling them and giving them the Reference number (*******) in their letter is not sufficient for them to provide me with information. They insist that they need more information from me before they can discuss.I have not received any correspondence from the creditor identified in the letter. The creditor does not impact my PERFECT FICO scores.My guess is that they have sent letters to everyone with my name and are asking us to help them eliminate possible leads.Not my idea of how to do business .Business response
03/08/2024
Please see attached response.
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Customer Complaints Summary
67 total complaints in the last 3 years.
25 complaints closed in the last 12 months.