Debt collection -- Took or threatened to take negative or legal action -- Complaint #13767176
Complaint Overview
Complaint ID: 13767176
Company: Johnson Mark LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Sued you without properly notifying you of lawsuit
State: Arizona
ZIP Code: 852XX
Date Received: 2025-05-27T12:00:00-05:00
Date Sent to Company: 2025-05-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/year>, I submitted a written hardship request and called to confirm receipt. A representative told me I was removed from auto-pay and granted a 90-day pause due to financial hardship and my mothers passing. I relied on that in good faith. No notice of legal escalation was given. On XX/XX/year>, I proactively called to resume payments and was told the account had already been submitted for garnishment. I received no warning or outreach prior to that decision and was not given a chance to resolve it before legal action. This sudden move caused severe hardship and undermined all efforts I made to resolve the debt responsibly. The debt was tied to expenses supporting my late mother. The lack of notice and failure to honor the hardship pause reflects a breakdown in communication and respect for consumer rights. I asked the firm again in XXXX for a resolution. They only responded by requesting a full SSN or file number ( which I had already provided ). Im an independent contractor, not a W-2 employee, so this garnishment path is harmful and may not even apply legally. Im requesting intervention to stop the garnishment and restore a voluntary repayment option.
Frequently Asked Questions
What is Complaint #13767176 about?
Complaint #13767176 was filed against Johnson Mark LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-05-27T12:00:00-05:00.
How did Johnson Mark LLC 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 Johnson Mark LLC?
Yes, visit the Johnson Mark LLC company profile at readthecomplaint.com/company/johnson-mark-llc 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.