Debt collection -- Took or threatened to take negative or legal action -- Complaint #13817270
Complaint Overview
Complaint ID: 13817270
Company: Hayt Hayt & Landau, P.L. (Fl)
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: 30034
Date Received: 2025-05-30T12:00:00-05:00
Date Sent to Company: 2025-05-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this formal complaint against the debt collection agency Hayt Hayt & Landau P.L., and its representative XXXX XXXX ( XXXX XXXX XXXX XXXX ), for multiple serious violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Collector Information : Hayt Hayt & Landau P.L. Attn : XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Alleged Violations : Unlawful Communication with a Minor On [ XXXX ], a representative of the agency approached my residence and engaged in direct communication with my XXXX child, inquiring about my identity and whereabouts. This conduct constitutes a clear violation of 15 U.S.C. 1692c ( b ), which prohibits debt collectors from communicating with third parties regarding a consumers debt without prior consent. Minors are not legally capable of receiving or responding to debt-related inquiries. The collector asked the child whether XXXX XXXX lived at the address and whether she was her daughter. This interaction was only interrupted when my mother intervened. Unauthorized Disclosure to a Third Party The collector disclosed details of the alleged debt to my mother, XXXX XXXX, without my consent. This is a direct violation of 15 U.S.C. 1692c ( b ). The representative handed legal documents to my mother after asking if she was XXXX XXXX, without allowing her to respond, and then left abruptly. My mother described the collectors demeanor as aggressive and confrontational. False or Misleading Representations Regarding Legal Action The agency falsely implied that I had been legally served with court documents, despite no such service occurring. This misrepresentation violates 15 U.S.C. 1692e ( 13 ) and 1692f, which prohibit the use of deceptive means and unfair practices in the collection of debts, including simulating legal process or falsely implying legal consequences. Relief Requested : I respectfully request the following actions : A full investigation into the conduct of Hayt Hayt & Landau P.L. and its representatives. Immediate enforcement actions, including but not limited to fines, license review, or operational restrictions. Written assurance that all collection efforts related to this matter will cease and that any improperly obtained or disclosed information will be expunged. These violations have caused significant emotional distress and represent a blatant disregard for the legal protections afforded to consumers under federal law. Please confirm receipt of this complaint and provide updates regarding the status of the investigation.
Frequently Asked Questions
What is Complaint #13817270 about?
Complaint #13817270 was filed against Hayt Hayt & Landau, P.L. (Fl) regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-05-30T12:00:00-05:00.
How did Hayt Hayt & Landau, P.L. (Fl) 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 Hayt Hayt & Landau, P.L. (Fl)?
Yes, visit the Hayt Hayt & Landau, P.L. (Fl) company profile at readthecomplaint.com/company/hayt-hayt-landau-p-l-fl 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.