Debt collection -- Took or threatened to take negative or legal action -- Complaint #11345250
Complaint Overview
Complaint ID: 11345250
Company: Lloyd & Mcdaniel, Plc
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Georgia
ZIP Code: 30224
Date Received: 2025-01-01T12:00:00-05:00
Date Sent to Company: 2025-01-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am writing to formally lodge a complaint regarding a recent court proceeding in which my rights as a consumer were violated. The case involves Lloyd & McDaniel, who sued me in court claiming to represent XXXX Bank. During the proceeding, the presiding judge displayed a concerning lack of understanding of the Fair Debt Collection Practices Act ( FDCPA ) and the rights it affords consumers. Specifically, when I informed him we had requested a debt validation letter, the judge asked what it was and appeared unfamiliar with this essential consumer protection under the FDCPA. Additionally, the judge 's ruling was based on an inadequate assessment of the case. When asked whether I had a credit card, I answered affirmatively. Without any further discussion or consideration of my rights under the FDCPA, the judge ruled in favor of the plaintiff. This cursory handling of the case ignored my right to have the debt validated and any potential defenses I may have had. I am deeply concerned that if this judge is overseeing similar cases without a proper understanding of consumer rights, many individuals may have their rights violated and face unjust judgments. It is imperative that judges handling debt collection cases are well-versed in the FDCPA to ensure fair and just proceedings. Given the seriousness of this matter, I urge you to investigate this case and take appropriate action to ensure that consumer rights are upheld in all debt collection proceedings. It is crucial that the judiciary is knowledgeable about the laws they are enforcing to prevent further injustices. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11345250 about?
Complaint #11345250 was filed against Lloyd & Mcdaniel, Plc regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-01-01T12:00:00-05:00.
How did Lloyd & Mcdaniel, Plc respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Lloyd & Mcdaniel, Plc?
Yes, visit the Lloyd & Mcdaniel, Plc company profile at readthecomplaint.com/company/lloyd-mcdaniel-plc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.