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Complaint Details
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Initial Complaint
09/19/2024
- Complaint Type:
- Order Issues
- Status:
- Resolved
I am not liable for this debt with ******* CONTRACTING SERVICES, I do not have a contract with LOCKHART ************************************************ they did not provide me with the original contract as I requested.Customer response
09/19/2024
******* *****
****************
********************
August 12, 2024Lockhart, Morris & Montgomery, Inc.
*************************************************
********************-4456
RE: Account # ********
To Whom It May Concern:This letter is being sent to you in response to notices sent to me from your company and more
importantly, due to your erroneous reporting to the *************{s}, the highly negative impact
on my personal credit report. Please be advised that this is a notice sent pursuant to the Fair
Debt Collection Practices Act, 15 USC 1692g Sec. 809 {b} that your claim is disputed and
validation is requested.This is NOT a request for verification or proof of my mailing address, but a request for
VALIDATION made pursuant to the above-named Title and Section. I respectfully request that
your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
Evidence bearing my signature, showing that I have (or ever had) some contractual obligation to
pay you.
Provide a verification or copy of any judgment if applicable:
Identify the original creditor:
Prove the Statute of Limitations has not expired on this account:
Show me the you are licensed to collect in my state:
Provide me with your license numbers and Registered Agent or Agent of Service:
At this time, I will also inform you that if your offices have reported invalidated information to
any of the 3 ***** Credit Bureaus {Experian, Equifax or **********} this action might
constitute fraud under both Federal and State Laws. Due to this fact, if any negative **** is
found on any of my credit reports by your company or the company that you represent, I will not
hesitate to bring legal action against you for the following:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of CharacterAlso, during this validation period, if any action is taken which could be considered
detrimental to any of my credit reports, I will consult with my legal counsel for suit. This
includes listing any information with a credit reporting repository that could be inaccurate or
invalidated or verifying an account as accurate, when in fact there is no provided proof that it
is accurate.
If your company fails to respond to this validation request within 30 days from the date of
your receipt, all references to this account must be deleted and completely removed from my
credit report and a copy of such deletion {to any/all of the 3 ***** credit reporting bureaus:
Equifax, Experian and **********} request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company
to my home or my place of employment. If your offices attempt telephone communication
with me, including but not limited to computer generated calls and calls or correspondence
sent to or with any third parties, it will be considered harassment and I will have no choice
but to file suit. All future communications with me MUST be done in writing and sent to the
address noted in this letter by *****
For the purpose of 15 USC 1692 et seq. this Notice has the same effect as a dispute to the
validity of the alleged debt and a dispute to the validity of your claims.
Please Note: This notice is an attempt to correct your records and any information received
from you will be collected as evidence should any further action be necessary.
Best Regards,
******* *****
Business response
09/20/2024
Lockhart,Morris & Montgomery *** is a debt collector.
Should the consumer wish to file a dispute with our agency they may do so by emailing ****************************.
Given the public nature of BBB complaint responses, we will not disclose account details in this forum, however, we will be closing and returning the account to our client as a courtesy to the consumer. Any negative information submitted to the credit bureaus will be removed with our next update.
If the consumer requires additional assistance, they are urged to contact our Chief Compliance Officer, ******* ****, at ************.Customer response
09/20/2024
I have reviewed the business response and accept this resolution.Initial Complaint
09/12/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I, ******* ******, am not liable for this debt with ******************************************************* I do not have a contact with ******************************************************* nor they did provide me with the original contract as I requestedBusiness response
09/12/2024
Lockhart,Morris & Montgomery *** is a debt collector.
Should the consumer wish to file a dispute with our agency they may do so by emailing ****************************
Given the public nature of BBB complaint responses, we will not disclose account details in this forum,however, if the consumer wishes to file a complaint with the ************************************, they may do so at **********************************************************
If the consumer requires additional assistance, they are urged to contact our Chief Compliance Officer, ******* ****, at ************.Initial Complaint
09/11/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I received a call from this debt collector claiming I am in debt to them for $656. This company is a scam. I have called the original company where the debt originated from and they claim they did not sell this debt to this company and not for the allotted amount of $656 and that my account was not in debt, that the debt was taken care of back in 2020. I was told from the original company that I should disregard this collection attempt as it seems to be a scam. When I called Lockhart morris and Montgomery to let them know I dispute the charges, they asked for my date of birth as well even though I had already given them the account number and reference number and confirmed address and name. I said it did not seem necessary to give my date of birth when I have confirmed everything else. They hung up. This company gives evidence of fraud. I do not want this affecting my credit score. I spoke with ****** at Providence ascension billing department (the original account holder for the bill) and he is the one who told me I do not owe this debt and to disregard the collection as it may be a scam.Business response
09/12/2024
Lockhart,Morris & Montgomery *** is a debt collector.
Should the consumer wish to file a dispute with our agency they may do so by emailing ****************************
Given the public nature of BBB complaint responses, we will not disclose account details in this forum,however, if the consumer wishes to file a complaint with the ************************************, they may do so at **********************************************************
If the consumer requires additional assistance, they are urged to contact our Chief Compliance Officer, ******* ****, at ************.Customer response
09/12/2024
I am rejecting this response because:
I have discussed with the original creditor that I do not owe this debt. You are NOT a real debt collection company, I have NEVER been required to provide my birthdate in order to review the case, after I have already provided the account number, reference number, my name AND address. I will not provide my birth date, its not necessary. Not to mention the amount that was trying to be collected isnt even the correct amount that the original creditor was trying to collect.
I have not even been previously contacted for the amount requested prior to it going to collections. This is a **** company, ******%. I will not be paying the amount asked.
Business response
09/12/2024
Lockhart, Morris & Montgomery *** is a debt collector.
Should the consumer wish to file a dispute with our agency they may do so by emailing ****************************
Given the public nature of BBB complaint responses, we will not disclose account details in this forum, however,
if the consumer wishes to file a complaint with the ************************************, they may do so at
**********************************************************If the consumer requires additional assistance, they are urged to contact our Chief Compliance Officer, *******
****, at ************.Initial Complaint
09/02/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my credit report ACCOUNT NAME : ******************************************************************************************** have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.I contacted "THE COMPANY" and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.Business response
09/04/2024
Lockhart,Morris & Montgomery *** is a debt collector.
Should the consumer wish to file a dispute with our agency they may do so by emailing ******************
Given the public nature of BBB complaint responses, we will not disclose account details in this forum,however, if the consumer wishes to file a complaint with the ************************************* they may do so at **********************************************************
If the consumer requires additional assistance, they are urged to contact our Chief Compliance Officer, ***********************, at ************.Initial Complaint
09/01/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Im not responsible for this debt . Havent been able to resolve with creditorBusiness response
09/04/2024
Lockhart,Morris & Montgomery *** is a debt collector.
Should the consumer wish to file a dispute with our agency they may do so by emailing ******************.
Given the public nature of BBB complaint responses, we will not disclose account details in this forum, however, this account was closed and returned to our client. Any negative information submitted to the credit bureaus will be removed with our next update.
If the consumer requires additional assistance, they are urged to contact our Chief Compliance Officer, ***********************, at ************.Initial Complaint
08/29/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to file a formal complaint against Lockhart, ********************************************* regarding their unfair and potentially unlawful collection practices. This company has reported two collection accounts on my credit report under the account numbers ******** for $960 and ******** for $969. However, I have never been contacted by this company prior to these accounts appearing on my credit report, and I have not received any validation or documentation to substantiate these debts. Under the Fair Debt Collection Practices Act (FDCPA), specifically 15 U.S.C. 1692g, a collection agency is required to send a written notice within five days of their initial communication, providing me with details about the debt and my rights to dispute it. To date, I have not received any such communication from Lockhart, *********************************************, which is a clear violation of federal law. Additionally, their failure to validate these debts before reporting them to the credit bureaus is a violation of the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. 1681s-2. This law requires that all information reported to credit bureaus must be accurate, verifiable, and substantiated by proper documentation. I have sent a formal request to Lockhart, ********************************************* demanding validation of these debts. However, I am seeking the BBBs assistance in resolving this matter and ensuring that this company adheres to legal standards in its debt collection practices. Please let me know what steps the BBB can take to address this issue and hold Lockhart, ********************************************* accountable for their actions. Thank you for your attention to this matter.Business response
08/30/2024
Lockhart, Morris & Montgomery *** is a debt collector.
Should the consumer wish to file a dispute with our agency they may do so by emailing ******************
Given the public nature of BBB complaint responses, we will not disclose account details in this forum, however, if the consumer wishes to file a complaint they are urged to contact our Chief Compliance Officer, ***********************, at ************.
Initial Complaint
08/29/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to file a formal complaint against Lockhart, ********************************************* regarding their unfair and potentially unlawful collection practices. This company has reported two collection accounts on my credit report under the account numbers ******** for $969 and ******** for $1368. However, I have never been contacted by this company prior to these accounts appearing on my credit report, and I have not received any validation or documentation to substantiate these debts. Under the Fair Debt Collection Practices Act (FDCPA), specifically 15 U.S.C. 1692g, a collection agency is required to send a written notice within five days of their initial communication, providing me with details about the debt and my rights to dispute it. To date, I have not received any such communication from Lockhart, *********************************************, which is a clear violation of federal law. Additionally, their failure to validate these debts before reporting them to the credit bureaus is a violation of the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C. 1681s-2. This law requires that all information reported to credit bureaus must be accurate, verifiable, and substantiated by proper documentation. I have sent a formal request to Lockhart, ********************************************* demanding validation of these debts. However, I am seeking the BBBs assistance in resolving this matter and ensuring that this company adheres to legal standards in its debt collection practices. Please let me know what steps the BBB can take to address this issue and hold Lockhart, ********************************************* accountable for their actions. Thank you for your attention to this matter.Business response
08/30/2024
Lockhart, Morris & Montgomery *** is a debt collector.
Should the consumer wish to file a dispute with our agency they may do so by emailing ******************
Given the public nature of BBB complaint responses, we will not disclose account details in this forum, however, if the consumer wishes to file a complaint they are urged to contact our Chief Compliance Officer, ***********************, at ************.
Initial Complaint
08/28/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
On or about July 27, 2024, I, *********************, agreed with Lockhart, Morris, and Montgomery to settle a debt in the amount of $11,868.75 for $7000. Before paying the debt, I asked the collector whom I spoke to by the of ************** if she would promise that they would report the debt as paid and to request removal from my credit report of all three credit bureaus to which she agreed. After I paid the debt, not only is it still reporting on my credit reports, but they subtracted the settled amount and left me with a balance that they're reporting as unpaid and in collections. They have lied to me and I would like to request that they immediately remove this debt from my credit report as promised.Business response
08/29/2024
Lockhart,Morris & Montgomery *** is a debt collector.
Should the consumer wish to file a dispute with our agency they may do so by emailing ******************.
Given the public nature of BBB complaint responses, we will not disclose account details in this forum, however, this account has been closed. Any negative information submitted to the credit bureaus will be removed with our next update.
If the consumer requires additional assistance, they are urged to contact our Chief Compliance Officer, ***********************, at ************.Initial Complaint
08/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I ***************************, recently reviewed my credit report and discovered fraudulent activity. I am not liable for this debt with ***** ************* and do not have a contract with Lockhart, Morris & Montgomery, Inc. They did not provide me with the original contract like I asked. Please delete this account from my credit report immediately.Business response
08/27/2024
Lockhart, Morris & Montgomery *** is a debt collector.
Should the consumer wish to file a dispute with our agency they may do so by emailing ******************
Given the public nature of BBB complaint responses, we will not disclose account details in this forum, however, if the consumer wishes to file a complaint they are urged to contact our Chief Compliance Officer, ***********************, at ************.
Initial Complaint
08/25/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
8/25/24 To:LMMINC. For the following Account # ********* Whom It May Concern,This letter is being sent to you response to your collection added to my credit report via the three credit bureaus. That is reporting inaccurate information and has reaged the account which is illegal.Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (8), stating your claim is disputed, and debt validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus, this action might constitute fraud under both Federal and State Laws.Please provide me with the following: What the money you say I owe is for, Explain and show me how you calculated what you say I owe, Provide me with copies of any papers that show I agreed to pay what you say I owe, Provide a verification or copy of any judgment if applicable, Identify the original creditor, Prove the Statute of Limitations has not expired on this account, Show me you are licensed to collect in my state, Provide me with your license numbers and Registered Agent or Agent of Service.If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately.Best Regards,***********************Business response
08/26/2024
Lockhart, Morris & Montgomery *** is a debt collector.
Should the consumer wish to file a dispute with our agency they may do so by emailing ******************
Given the public nature of BBB complaint responses, we will not disclose account details in this forum, however, if the consumer wishes to file a complaint they are urged to contact our Chief Compliance Officer, ***********************, at ************.
Customer response
08/26/2024
I am rejecting this response because:
For the following Account # ******. To Whom It May Concern, This letter is being sent to you response to your collection added to my credit report via the three credit bureaus. That is reporting inaccurate information and has reaged the account which is illegal. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (8), stating your claim is disputed, and debt validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus, this action might constitute fraud under both Federal and State Laws. Please provide me with the following: What the money you say I owe is for, Explain and show me how you calculated what you say I owe, Provide me with copies of any papers that show I agreed to pay what you say I owe, Provide a verification or copy of any judgment if applicable, Identify the original creditor, Prove the Statute of Limitations has not expired on this account, Show me you are licensed to collect in my state, Provide me with your license numbers and Registered Agent or Agent of Service.If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. If your office fails to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. Best Regards, ***********************
Business response
08/26/2024
Lockhart, Morris & Montgomery *** is a debt collector.
Should the consumer wish to file a dispute with our agency they may do so by emailing ******************
Given the public nature of BBB complaint responses, we will not disclose account details in this forum, however, if the consumer wishes to file a complaint they are urged to contact our Chief Compliance Officer, ***********************, at ************.
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303 total complaints in the last 3 years.
145 complaints closed in the last 12 months.