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Complaint Details
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Initial Complaint
11/06/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
My wages are being garnished as of 09/07/2023 I am not responsible for this debt and when being served it was done illegally I am not ************************** I'm a victim of fraud on my credit report I did file a police report which I will get within in 10 days was this notice I received from the county of sacramento was done 10/28/21 and got served 08/29/23.Business response
11/16/2023
Please see attached responseCustomer response
11/25/2023
I have submitted a fraud identity theft number through **** of ************* ****** also submitted a cease and decision letter to **** of ************* and also filed a identity theft form through **** of ************* and I was not served until 2 years later there also a freeze on my credit file have updated credit file and they are not on them have been disputing this for 6 months ago filed with identity theft website ******** got a letter of an affidavit from **** of ************* September 29th 2023 for victim identity theft I don't owe you anything thank youCustomer response
11/28/2023
I am rejecting this response because:
I have submitted a fraud identity theft number through **** of ************* ****** also submitted a cease and decision letter to **** of ************* and also filed a identity theft form through **** of ************* and I was not served until 2 years later there also a freeze on my credit file have updated credit file and they are not on them have been disputing this for 6 months ago filed with identity theft website ******** got a letter of an affidavit from **** of ************* September 29th 2023 for victim identity theft I don't owe you anything thank you
Business response
11/29/2023
The Firm has passed this information on to our client who is investigating and will respond by separate correspondence when the investigation is complete. Your file remains on a cease-and-desist hold in our office pending the investigation.Customer response
12/07/2023
I have submitted documentation to Scott and associates firm via fax on 12/03/********* pm there are 9 pages I sent to them receipt number ***** not very good at uploading documentation so I faxed to their office I would like a resolution to this as they are not on my credit reports and would like the garnished part to stop as I don't owe this firm. Thank you ***********; **********; ******Customer response
12/07/2023
I want a resolution to this I have been disputing this response since September 4th 2023 and also claim number 23817G192DB with the **** of ************* fraud department I am being treated unfairly about this whole matter please stop garnishing my wages for I am not responsible for this thank you ***********************************;Customer response
12/11/2023
I am rejecting this response because:
I have submitted documentation to Scott and associates firm via fax on 12/03/********* pm there are 9 pages I sent to them receipt number ***** not very good at uploading documentation so I faxed to their office I would like a resolution to this as they are not on my credit reports and would like the garnished part to stop as I don't owe this firm. Thank you ***********; **********; ******
I want a resolution to this I have been disputing this response since September 4th 2023 and also claim number 23817G192DB with the **** of ************* fraud department I am being treated unfairly about this whole matter please stop garnishing my wages for I am not responsible for this thank you *******************************Customer response
12/14/2023
I was served illegally by ************************* which is now Scott and Associates furthermore when I was served by this firm back in 2021 for something that is not on my credit file I never got that letter and didn't get it until 2 years later and I found it through an attorney that it's invalid claim
Customer response
12/19/2023
Hi this in response to the chat we spoke about between September 14 to September 29 letters were sent **** of ************* fraud department claim number 230817g192db also they have this on file that I had sent this **** of ************* fraud fact act form which I filled out which has another number attached 807622 how they identify the case with since they are not on my credit file I filed a complaint with the federal trade commission for fraud report number ********* on the 14 of December a police report filed sac pd T23014357 for fraud this one was filed 10 29 2023 I would like for the garnishing to stop this or I will pursue with suing this firm for illegally garnishing my wages ***********; **********************;Customer response
12/19/2023
Upon reading the laws in ************** wage Garnishment for consumer debt is prohibited in these states TEXAS ************** NORTH CAROLINA AND PENNSLYVANIA there for they are attorneys who are not following the law I don't live in ********** I live in ** I going to keep discussing this matter until I get my money back for a debt that's not on my credit fileCustomer response
12/22/2023
** formally lived at the previous addressbut never got the paperwork supposedly you sent to my address not even forwarded to this home where I currently reside I left ********** ** in 2022 but never received paperwork for a judgement in 2021 got the judgement from Scott and associates not ************************* which scott and associates took over this please stop garnishing my wages as I have given you all the information necessary and you are not on my credit fileCustomer response
12/22/2023
Back at my previous address I never got a summons or a judgement from ************************* for a credit card that is not on my credit file I never received anything in the till this year 2023 and in 2021 it was taken over by you scott and associates for garnished wages that I'm not responsible for and your not on my credit file furthermore I no longer live at my previous address I have went through your **** of America's fraud department claiming that I was a victim of fraud and sent the necessary information and documents to your as well as the fact act forms I filled out which I sent your firm so please stop garnishing my wages for a judgement or paperwork I never received at my previous address ***********************************;Customer response
12/27/2023
One more thing I filed a fraud case with **** of ************* back in September 2023 and October 2nd 2023 # *******G192DB and # ****** fraud Department phone # *********** they are also investigating this which I first filed they are in the process of escalating this case which you have not responded to any of my disputes regarding this fraud as I told you stop as this is being investigated stop garnishing my wages which you are still doingBusiness response
12/27/2023
Please see attached response.Customer response
12/29/2023
Hello on 12 /18/2023 I have followed the instructions that you gave me I have responded to this but they have not responded just today I got a letter from them I've sent documents to their firm regarding identity theft and fraud through the federal trade commission they do have the ** number on the cease and decist letter like I said I was never served any papers by the previous law firm ************************* I only got the paperwork from Scott and associates June of this year at this address I currently reside I have no knowledge of any paperwork from that ************************* firm I've submitted a fraud id number through bank of America if you look at the responses a gave also there's a police report number I also gave to you I responded 3 different times within the last week I want this closed I also gave you an updated credit report which you have on file if you need anything else you can call this number your bank of America fraud department ************ which they have all the information also thank youCustomer response
12/29/2023
On 12 15 2023 I sent pages which you need to look at sac pd report number for fraud filed on October 0f 2023 online numberT23024357 I filed it that one fact report should be there with more numbers I gave you I explained everything to you have to look at my responses for the month of December there are many with fraud numbers identity theft numbers an updated credit report which I also gave you a police report numberCustomer response
01/04/2024
Hello I am requesting all the money that you illegally garnished from my paychecks so far you gave me ****** dollars of which ****** dollars is still owed to me still it's still being investigated I want It all back it's also being reviewed by the **** of ************* fraud department which I gave you the phone number and multiple resources in the month of December 2022 I would like this matter closed due to I don't owe you anything and I gave you all the necessary documentation needed do not garnish my wages on the 11th since it's still being looked throughCustomer response
01/09/2024
I am accepting this that are releasing my money back to me which I am very appreciative for it which means no more garnishing my paychecks . I am rejecting this it should ot take an additional 60 to 120 days to complete an investigation that has been going on for a matter of over 2 years since 2021 of June the resoution or the outcome should a matter of 60 days since you are not on my credit fileCustomer response
01/10/2024
You said you were going to release all the money back to me until this is complete but you are still garnishing my wages which you lied to me now stop garnishing my wages and put an end to this garnishing of my moneyCustomer response
01/10/2024
On 01/08/2024 you said you would release the funds but I live in ********** which you state everytime you only gave ****** dollars now which you owe me ****** of which you said you you stop for an ongoing Investigation your still illegally doing this which is unfair to me I don't live in ********** I live in ** you are not supposed to be garnishing my wages in the *********************** NOW PLEASE STOP PUT AN END TO THE INVESTIGATON NO NEED TO KEEP GOING ON WITH THIS I MADE MYSELF CLEARCustomer response
01/10/2024
On Tuesday I have an appointment with ********************* regarding fraud with regards to he bank of America fraud department which they found my social security number but il the representative said I don't have a credit card with your firm and furthermore I don't have a ********** driver's license which is what your going by I have a ************** driver's license and I never went to a branch and opened this with you since this cannot be authenticated via phone number or driver's licenseCustomer response
01/17/2024
I had went to **** of ************* branch it it shows an old **** account I don't even have with now I am in the process I getting an attorney for myself because you are very unfair and I was illegally served by you and the judgement I was not living there when the summons was givenBusiness response
01/19/2024
Please see attached response.Customer response
01/24/2024
This in regard and response to Jan 19th you are still illegally garnishing my wages in ************** which there is wage garnishment in the this state there is a cease and desist that you are not following furthermore I have an consumer attorney helping with this it is ****** and ***********; you need more information I'll send you the numberCustomer response
01/31/2024
Hello this in response to a disputing my prior address for you using a bank account closed a long time ago and furthermore I had a golden one bank account not that is one that is one file and believe you can't use is proof I was making payments which I stated I don't have a credit card with you and never did ********** said if there was a credit card opened it was fraudulently opened via hack without my knowledge or consent the email that you have is not what I use or have.Customer response
02/05/2024
I am rejecting this response because: I said I was a victim of identity theft fraud and you illegally garnishing my wages I furthermore told you that I'm not responsible for this debt that is or you are not on my files there's a no wage garnishing in ************** but you keep doing this after I sent you a cease and desist letter which is unfair I would like for you to stop I don't know how many times I have to explain myself to you.Initial Complaint
10/17/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
This debt buying company Scott & Associates in ********, ** purchased a debt of Mine and sent me summons for court. I paid them $2610 on September 6, 2023 to settle. They deducted the payment from my account and have still refused to drop their lawsuit. I called September 28th, 2023 to double check and follow up I complained to them about how their accounting department drop the ball and they decided to do something about it until October 3, 2023 absolutely uncalled for. This is ridiculous. No consumer should ever have to go through something like this they have still refused to drop this bogus lawsuit. How is this even legal to harass people and take their hard earned money?Business response
11/06/2023
Please see attached responseInitial Complaint
09/19/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have been contacted by Portfolio Associates and their fake lawyers Scott & Associates. I did not sign a contract with Portfolio Associates. I signed a contract with Rooms to Go. So Portfolios Associates signed a contract with Rooms to Go not me. So I dont owe you a dime. BUT lets take this to trial because Id like to see you explain to a jury of my peers how us struggling citizens owe a random company money that I did not go in agreement with nor sign a contract with Portfolio associates. So I owe you **** I wish you luck with that. See you at trial. : )Business response
09/29/2023
Please see attached response.Initial Complaint
08/21/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I paid this company for a debt collection payment on 7/31 and they havent removed the payment. I dont want to be penalized for doing what I was supposed to do as a consumer.Business response
08/24/2023
Please see attached response.Customer response
08/30/2023
I am rejecting this response because my financial institution has confirmed that there have not been any attempts made to collect these funds. I have and have always had the money to cover the balance owed. *** made several payments out of this account without any issues. I made a second payment on 8/28 and submitted a request on the companys website for a call once again. I am simply trying to ensure that my payments are taken so that I dont have to face legal action for a DEBT I AM ATTEMPTING TO PAY!!!! The companies failure of their processing system is not on my end.Business response
09/08/2023
We appreciate another opportunity to answer your concerns.
As stated in our previous response to you, when we reviewed the Firms records on your file, the payments you attempted to make were declined by the payment processor, and this occurs when information entered into the payment system is incorrect. Please verify the information is entered correctly when using the online payment system. For security and safety reasons, the Firm does not keep your financial institutions information on file.
The Firm has attempted to contact you each time we have received a request from you to do so, however we have only been able to leave voice mail messages as appropriate. We recommend contacting our offices at ************** between the hours of 8:00AM and 6:00PM CT Monday Friday so that a Firm representative can assist you with our payment process.
This communication is from a debt collector.
Sincerely,
Scott & AssociatesCustomer response
09/09/2023
I am rejecting this response because this company is lying in an attempt to collect additional fees. My financial information is valid and has not changed. The funds are available and have been available since both transactions were entered. My financial institution is also willing to provide proof of the inaccuracies being presented by this company. I have only been contacted once and have been told that online payments were acceptable. This company is using a processing system that does not work as I havent received any notification that any attempts have been made and the funds are available to be taken. I am requesting that the BBB works with customers to prevent this company from doing this to other consumers. If I did not have the funds or wasnt making an attempt to pay, I would not have initiated this conversation with the BBB for support. I am being taken advantage of by this company and I am simply TRYING TO PAY but this company is lying about my payment being declined when NO ATTEMPTS HAVE BEEN MADE!!!! This should be illegal!!!Initial Complaint
08/04/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I was served by Scott and Assoc for a years old debt. My lawyer replied to the court. This debt is so old that is past the point of being able to collect in *****. I have contacted Scott and Assoc to inform them of this, and the response from my lawyer is on file with the court. They are now serving me again, and trying to *** me a second time for the same debt.Business response
08/11/2023
Please see the attached response. Thank you.Initial Complaint
07/15/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
On 7/7/23 this company took $719.10 without any notice. Its not on my credit report, and I do not recognize the name of the business. When I try to put up a profile using my information and the information on my bank statement it says invalid. Also, the number provided is a different company than whats listed on my statement. Ill be pursuing my legal options on this matter, but I wanted to start here.Business response
07/24/2023
Please see attached response.Initial Complaint
06/22/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I know when a debt is purchased from another debt collector the name of the game is to collect the full amount by any means to get the money back that they paid for that debt but of course there is a thing called settlement options or so I thought.I have 2 collections with Scott & Associates that have gone to judgment status one went through full judgment and was garnished from my paycheck and as of June 16th that one will be finalized. But there is a second one that has a balance of $2,400 and there is a judgment on this one as well and Im attempting to jump in front of it before that one hits the garnishment phase. But when I call theyre telling me that because it is in judgment status that the rules for Scott & Associates is to not go for a settlement under 80% of whats owed. I have attempted to dispute this account through every alley but of course as a consumer my voice isnt being heard. The account was from 2**5 and I have no recollection of this card and I am trying to settle this but they are not willing to allow me any wiggle room. Ive gotten the advice of an attorney that said it can be settled for less than 80%, but when I call and talk to supervisors at Scott & Associates theyre saying no. I have someone right now thats willing and ready to help me pay this off Im just looking for some truth and help. I am a hard worker that trys to get by the best way I can and know how to. ******* told me I was served papers on 9.11.2022 by a ******, that was a lie because I had surgery on 9.7.2022 I didnt answer my door for anyone an I am never at home because I work crazy hours and Im always busy. Life took a toll on me during Covid because I had to change positions and took a serious pay decrease but Im looking for help. If someone looks at the call history I have always called Scott & Associates and asked about payment options and help.Account Balance: $2,400.54 Company: Scott & Associates File# ******* Case # **-SM-***********Business response
07/03/2023
Please see attached response.Initial Complaint
06/14/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I was contacted by a representative offering a settlement via phone and mail. I was not in a financial position to make the payment at the time. I informed him that once I had the agreed upon amount($1802.07) I would give him a call and make the payment. I was then informed that I would receive a letter stating the amount agreed upon and to sign and return. I never received that letter. I later received another offer for $1796.07, I called into the office and told them I was still not working and that I will make the payment as soon as I can. I was never told that the offer was only for a certain time window. I called to make the agreed payment and was told I had to pay $3000, then it was $2200.00 + I then go over the previous conversation I had with the representative and requested to speak with a manager and was denied being able to speak to one. I was told they wouldnt be able to get to me on today and Ill receive a call at a later time, which was my second time being told that within the last two weeks.Business response
06/27/2023
Please see attached response.Initial Complaint
05/16/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Hello I heard from this company years ago they had filed a lawsuit on me and I did respond by filing an answer well this is way past the Statue of Limitation here in ***** this is no longer on my credit report and this was due to fraud ! I am not surprised to get stuff in the mail from them about this ! Im not worried about it I dont work and I dont own anything ! I could file a lawsuit on them for breaking the rules! If the Judge seen what paperwork they sent me in the mail he would not understand it either! Tell them do not contact me anymore all further correspondence goes in the trash can Thank You ***********************Business response
05/31/2023
Please see attached response letter.Customer response
05/31/2023
Hello
This item is past the Statute of Limitations in the ************** its only good for four years is what I said!!
No response required!
Customer response
06/01/2023
I am rejecting this response because:
Hello
This item is past the Statute of Limitations in the ************** its only good for four years is what I said!!
No response required!Business response
06/02/2023
The lawsuit was filed timely. The account was charged off as an unpaid delinquent debt on June 30, 2014. The lawsuit was filed on February 1, 2018. Please see our prior response for additional account information, if needed.Customer response
06/02/2023
I am rejecting this response because:
I dont want no more correspondence from them Scott and Associates !Thank You !!Business response
08/09/2023
Per you request, your file will remain on a cease communication. We will not communicate with you except for limited circumstances as applicable per federal and state law. Please be aware that a cease communication does not apply to the legal process.Initial Complaint
05/10/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Scott and Associates P.C., basically a high power LAWYER collection agency, purchased a DEBT from Fingerhut Advantage, and that debt had my information on it, (which I had NO IDEA) this debt was from 2017, when I lived in a house renting a basement and lived with three other people. They had MY address in ******** where I live and where my license is BUT chose to use a ******** address which I have NO IDEA about. They used VA because its easier and they KNEW I did not live there. The filed a garnishment and when it went into effect is when I found out about ALL of it. CASE # GV21001121-00. I filed with the *** and informed all the credit bureaus of the situation, I also sent a DEBT validation letter to SCOTT and ASSOCIATES, which their reply was NOW we know we have the right person? HUH? you already executed the garnishment and I was not in court because I had no idea I DONT LIVE IN ********, so these LOW life lawyers purchase a debt for little of nothing and stop at nothing to burn people. I never had or purchased from Fingerhut.........I will be looking for a lawyer.Business response
05/19/2023
Please see attached response letter
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Customer Complaints Summary
67 total complaints in the last 3 years.
25 complaints closed in the last 12 months.