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:04/22/2025

  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 was summoned by this company to appear to court on 6/2/2025 for a credit card debt that was settled by another legal group. My last payment on the account was 5/11/2020. According to the law, this is past the statute of limitations. Even though the firm was told of this information, they threatened that I would have to pay court costs exceeding the amount of the lawsuit, which is not what the paperwork stated. This practice is very shady.

  Business Response

  Date: 04/29/2025

  I am General Counsel for *****************, the law firm retained by the creditor, ************. The lawsuit was filed within the five-year statute of limitations. If the consumer has proof that this debt was paid in full to another legal entity, she should provide proof of that payment to our office, along with proof that the payment was for the underlying Comenity ************ account ending 9059. I will promptly investigate. Any documentation can be provided to my email address at ******************

  Customer Answer

  Date: 05/01/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  

  In the state of ********, the statute of limitations is 5 years from the last payment made.  My last payment was made on May 11, 2020.  I never received any communication from the lender...no certified mail and no phone calls until a lawsuit was delivered to me.  The statute of limitations has definitely expired.  **** Law Firm is a Junk Debt buyer and has over 200 complaints for doing to me what they have done to others.  In addition, the server of the law suit was reading my paperwork, which was NOT in a sealed envelope.  He verbatim told me "I'm not a lawyer, but you might was to look and see if your identity was stolen."  Now I have put fraud alerts on all of my accounts.

  
  Regards,
  
  *** ******

  Business Response

  Date: 05/01/2025

  The consumer is correct that the statute of limitations on the underlying account is five years. The last payment on the account was made on May 11, 2020. The lawsuit was commenced within five years of that date, on April 8, 2025. Therefore, the suit was commenced within the applicable five-year statute of limitations. We did attempt to reach the consumer by letter dated January 21, 2005 which advised the consumer who we were and what we were attempting to collect. Our law firm received no response from the consumer to this letter which is why we proceeded with commencing the lawsuit. That letter was never mail-returned. If the debtor contacts our office, we would be more than happy to discuss a resolution.

  Customer Answer

  Date: 05/02/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  The letter was never mail-returned because I never received a letter.  In addition, I have contacted the office and asked to speak directly to the attorney listed on the suit and was not allowed to speak to her.  I was asked personal questions and shuffled from representative to representative.  At one point, the representative, in my opinion, pretended to speak to an attorney, but did not.  Upon looking up the listed attorney on the suit, I found out that she is a "shareholder" of the law firm and not listed as an attorney for the law firm.  In addition, I tried emailing her, using the email listed on the suit, and the email was rejected.  Upon further investigation, I found out that this person has over 20 alias email accounts with this law firm.
  
  Regards,
  
  *** ******

  Business Response

  Date: 05/05/2025

  I would encourage Ms. ****** to call our office at ************. We would be more than happy to discuss resolution of the lawsuit. We do ask for some basic financial information if a consumer is offering anything less than the balance in full. If Ms. ****** is willing to provide that basic financial information, we would be more than happy to discuss various settlement and/or payment options. 
  

• Initial Complaint

  Date:03/20/2025

  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 Law Firm is abusive as it generates additional revenue by intentionally not filing and docketing Judgment Satisfactions. The firm we advise that the sat was lost in the mail and then charge a $25.00 duplicate satisfaction fee. They will file it with the court that way they can continue to charge and snowball these fees. The firm should be responsible for cleaning up its court cases and not charging predatory fees that are unnecessary if they took accountability for the court cases, they filed against those that are in dire financial circumstances. This is abusive, predatory, and unethical.

  Business Response

  Date: 03/27/2025

  In order to investigate the consumer's complaint, I would ask that the consumer please provide a full name and our internal file number for reference. Thank you.
  

• Initial Complaint

  Date:02/24/2025

  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 received a request for Payment from **** Law Firm File # W180632 for a credit card from Comenity - ***************** I have never had a Comenity-**************** credit card. The address that the card is from is ********************************. I have never been to ********** or lived there. This is identity theft or a scam. I completed a questionaire from ******************* on 1/3/25 saying this is not my debt. I have nerver had a Comenity-***************** **** then sent me a collection letter on 2/18/25.I have never had the card and will not be paying a debt that is not mine.

  Business Response

  Date: 03/06/2025

  Our law firm takes claims of fraud/identity theft very seriously. We will be sending to the consumer a fraud affidavit and would ask that he complete and return, notarized, along with a police report. That will allow us and our client to fully investigate the matter.

• Initial Complaint

  Date:01/28/2025

  Type:Product 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 paid off my balance through certified funds in the mail. It was sent with tracking via priority mail. I left a voicemail on Thursday requesting a call when received but never received one. I called in and asked for **** who has handled my account and he said my balance was zero. I requested he send a confirmation email so I see proof its completed. He said he cant do that. He said I have to wait until they send a confirmation letter in the mail. I told him I needed proof now to secure housing and he said he cant do anything because its not his department. He refused to transfer me to the department in charge, and to the person who originally answered my call. He wouldnt give me an *** on when it would even be marked satisfied. He hung up on me and when I called back to ask the secretary to speak to the other department they now will not answer my call.

  Business Response

  Date: 02/05/2025

  To provide an update, we have electronically filed a Satisfaction of Judgment with the court. Under Wisconsin law, we are technically only required to send the Satisfaction to the consumer. However, in an effort to expedite the process and assist Ms. ****** with her loan application, we went ahead and filed the Satisfaction on her behalf. We apologize for any inconvenience and hope that Ms. ****** is satisfied with our response.

  Customer Answer

  Date: 02/05/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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. 
  
  Regards,
  
  ******* ******
  

• Initial Complaint

  Date:10/17/2024

  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.

  They took more money then they were owed from my check and then not only didn't repay it in a timely manner, they sent 2 bad checks that the bank rejected and refused to cash, they also never reported to the court that they were paid the money that they were owed

  Business Response

  Date: 11/05/2024

  According to our records, ******* ******* accounts were placed with our office for collections by our client, ******************************** in July 2020. Letters were sent to the consumer in July 2020, which advised that our firm has been retained for collection of the debts.When we were unable to reach a voluntary resolution with Mr. ******* a small claims lawsuit was filed on October 27, 2020. Judgment was entered against Mr. ****** on November 20, 2020. In reviewing the consumers complaint, he has alleged that our firm has withheld too much from him to resolve the balance owed and that refund checks issued to him were returned by his bank. Per our review, a wage garnishment was filed to resolve the balance owed. As the creditor in this matter has obtained a judgment against Mr. ******* wage garnishment is a permissible remedy allowed by Wisconsin law. Wage garnishment runs at a set percentage of Mr. ******* disposable income. At this time, there is still a balance due and owing so the balance has not been overpaid and the consumer is not due a refund. We have not issued refund checks to the consumer previously so we are unable to comment on Mr. ******* claim that refund checks did not clear. if Mr. ****** would like to discuss the matter further, we would encourage him to contact our office at ************** on Mondays to Thursdays from 8:00 am to 7:00 pm or Fridays from 8:00 am to 6:00 pm.

  Customer Answer

  Date: 11/13/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  

  I tried calling them several times and never was able to get a call back which is why I filed the complaint in the first place,  I have attached a photo of the 2 check stubs from the checks they sent me that were no good, that they claimed in there response that they never sent

   

  
  Regards,
  
  ******* ******

  Business Response

  Date: 11/18/2024

  We reviewed the additional information provided by the consumer. It appears that our previous response was in reference to another matter in our office for the consumer. We have now reviewed the case referenced by the consumer. With regard to the consumer's claim that the Court has not been advised that this matter is resolved, a satisfaction of judgment was mailed to the consumer in March 2024. We did not receive mail return on that document. Mr. ****** would need to file that satisfaction of judgment with the Court to have the judgment recorded as satisfied. Further, we do show that two refund checks were issued to Mr. ****** in April 2024. When those checks went an extended period without being cashed, they were marked as unclaimed funds pursuant to Wisconsin statutes. We would request that Mr. ****** contact our office at ************** on Mondays to Thursdays from 8:00 am to 7:00 pm or Fridays from 8:00 am to 6:00 pm and we can discuss having replacement checks issued to him.

• Initial Complaint

  Date:10/09/2024

  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.

  These people never send you statements about how much you owe. They laugh at you when you say you can't afford the high payment. Then the people that work there are extremely rude. I have been calling for a week playing phone tag with these people. It's beyond ridiculous that you can not get ahold of anyone.

  Business Response

  Date: 10/15/2024

  We are in receipt of Ms. ********* complaint. In response to her request, we have attached a payment ledger showing dates on which payments were applied to the balance outstanding as well as the current balance owed. With regard to the consumers claim that she has been unable to reach our office via telephone, we do show that Ms. ******** recently left a voice message requesting call back. We returned the consumers phone call on the same day and left a voice message. If Ms. ******** would like to discuss this matter further, we encourage her to contact our office via telephone at ************** on Mondays to Thursdays from 8:00 am to 7:00 pm or Fridays from 8:00 am to 6:00 pm.

• Initial Complaint

  Date:08/24/2024

  Type:Order Issues
  Status:

  UnansweredMore 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.

  company seeking $1,439.85 about a debt im not aware of i would like to see the original contract with my signature. Stating i owe this debt

• Initial Complaint

  Date:05/28/2024

  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.

  I have an outstanding account with **** Law Firm. I had initially called to set up arrangements that were within my budget and that I knew Id be able to afford monthly. I was practically bullied into a higher monthly payment and was told I could not make lower payments. They did not take any of my monthly expenses into consideration. I set up monthly arrangements to be drafted every 28th of the month, after being told if I did not they would persue legal action against me. When I fell sick and was out of work for a few days I called and asked if I could push my May payment a week- the representative I spoke with was extremely hostile and told me its not an offer were looking to entertain- exact words. I proceeded to explain Id make two payments in the month of June, one to cover the month of May, I was told no and that if I missed my payment even by a day, they would peruse court and wage garnishments. The representative proceeded to tell me just to ask someone to let me borrow the money. This law firm is extremely hostile. I learned to record every conversation with them because half the time theyll hang up and act like Im wasting their time when in reality Im trying to pay my debt back without risking not having a cent to my name. Im pretty sure half of what they do and say is illegal, they discriminate you when they can. The representative asked me if I was here legally- what does that have to do with my debt? Im proposing lower monthly payments

  Business Response

  Date: 06/07/2024

  According to our records, ******************************* account was placed with our office for collections by our client, LVNV Funding LLC, in January 2024. A letter was sent to the consumer on January 29,2024, which advised that our firm was retained for collection of a debt. We spoke with the consumer on February 6, 2024, regarding a payment plan to resolve the balance owed. **************** provided her financial information, which included her monthly income and expenses. Based on the information provided, we made a reasoned determination as to an appropriate payment plan for the account. **************** agreed to the terms of the voluntary payment plan. Our office did not coerce or force **************** into agreeing to the payment plan. Then, on May 24, 2024, the consumer called in to request an extension to her scheduled payment due date. We were unable to accommodate ****************** requested payment due date. However, as a courtesy, we agreed to extend the payment due date for the May payment beyond the date to which the consumer originally agreed. At this time, there is still an active voluntary payment plan in place to resolve the balance. If **************** would like to discuss the matter further, we would encourage her to contact our office at ************** on Mondays to Thursdays from 8:00 am to 7:00 pm or Fridays from 8:00 am to 6:00 pm.

  Customer Answer

  Date: 06/07/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  The response I received states that I entered into a voluntary agreement in an amount based on the information I provided, which is completely false. When I spoke with them to set up my payment arrangement, I did it with the intent to settle my debt at an affordable monthly payment. For them to say it was a voluntary arrangement is completely false, they basically told me the amount I had to pay a month and when I requested a lower amount, one that I knew I could afford- I was threatened with legal actions. Its what they do- the moment you contact their office asking for any kind of flexibility they threaten you with pursuing legal action against you. Secondly, to claim they gave me the courtesy of extending my payment is also false. I asked for an extension of 7 days from my due date, I was told they wouldnt entertain that. Doesnt seem like much of a courtesy to me. They also failed to address the comments made based off my last name- insinuating my race/ethnicity. I will not be calling this office because in doing so I will only be dismissed like I always am. 

  
  Regards,
  
  *****************************

  Business Response

  Date: 06/14/2024

  Our firm strives to treat every party involved in a collection matter professionally,ethically, respectfully and most importantly, in accordance with all applicable laws. We did review ******************** concerns regarding discriminatory statements and found no record/instance in which **************** was treated improperly. Further, we believe our previous response has addressed ******************** concerns regarding the payment plan on the account. **************** secured payments with our office and we did not coerce or force the consumer to agree to the payment plan. **************** is current on the arrangement and our firm plans to honor the arrangement as agreed. That said, if **************** would like to discuss further or has additional information regarding a financial hardship that she would like us to review, we would ask that she contact our office to discuss further.

• Initial Complaint

  Date:05/14/2024

  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.

  I was a cosigner. The debt was paid by the primary on the loan to ****. I showed **** satisfaction of judgment and they refused to accept that it had been paid in full then attempted to collect on me I want to be released and left alone. They put a lien on my. Property. As well a processor keeps on being sent to my home to serve me papers and the guy leaves before I can even answer the door and I cannot see anything showing why they are trying to serve me

  Business Response

  Date: 05/24/2024

  According to our records, ********************* account was placed with our office for collections by our client, National Collegiate Student Loan Trust, in August 2015. A letter was sent to the consumer on August 31, 2015, which advised that our firm was retained for collection of a debt. When we were unable to reach a voluntary resolution with **************,a lawsuit was filed on December 15, 2015, in **************** under case number 15CV010207. Judgment was entered against ************** on February 24, 2016. The consumers complaint alleged that this judgment has been paid and attached satisfactions of judgment in support of his claim. We reviewed the attached satisfactions of judgment and they do not pertain to this judgment. We currently show a balance due and owing on the judgment for Milwaukee County case number 15CV010207. If ************* has proof that this judgment has been paid, he should submit that to our office for review. Further, if ************** would like to discuss resolution of this matter, we would encourage him to contact our office at ************** on Mondays to Thursdays from 8:00 am to 7:00 pm or Fridays from 8:00 am to 6:00 pm.

• Initial Complaint

  Date:03/25/2024

  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.

  Tried to negotiate a monthly payment and wont accept what I can afford. Theyre still going forward with their suit in court.

  Business Response

  Date: 04/03/2024

  According to our records, Ms.********* account was placed with our office for collections in November 2023.A letter was sent to the consumer on November 17, 2023, which advised that our firm has been retained for collection of a debt. When we were unable to reach a voluntary resolution with ********************, a small claims lawsuit was filed on February 14, 2024. The consumer contacted our office on March 25, 2024. During that call, the consumer provided brief financial information and we attempted to reach a voluntary resolution based on a reasoned determination of the consumers financial circumstances. Unfortunately, we were unable to reach a resolution.In an effort to resolve this matter, we will agree to the payment terms that ******************** offered. The account has been marked as cease and desist due to the consumers request for no further contact from our firm. As such, we are unable to reach out to the consumer. However, if ******************** would like to contact our office regarding her payment arrangement offer, we would be able to set up a formal arrangement to resolve this matter. The consumer may contact our office at ************** on Mondays to Thursdays from 8:00 am to 7:00 pm or Fridays from 8:00 am to 6:00 pm.