Debt collection -- Took or threatened to take negative or legal action -- Complaint #18112771
Complaint Overview
Complaint ID: 18112771
Company: Michael J Adams Pc
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Collected or attempted to collect exempt funds
State: Texas
ZIP Code: XXXXX
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against XXXX XXXX XXXX, XXXX ( debt collection law firm ) for illegally holding exempt child support funds in my XXXX XXXX account and refusing to allow me to provide the required documentation to release the funds. On or about [ insert date the hold began ], the firm placed a legal hold on my XXXX checking account. The funds they froze include child support payments from the XXXX XXXX XXXX Attorney General ( XXXX XXXX ). These deposits are clearly labeled on my bank statement as : XX/XX/XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXX {$900.00} These funds are legally exempt from garnishment or XXXX under : XXXX XXXX XXXX XXXX and XXXX Federal law XXXX XXXX. XXXX and XXXX Despite this, the firm has : repeatedly refused to answer or return my calls hung up on me when I attempted to provide documentation demanded unnecessary and excessive documents, including XXXX months of full bank statements and my child support court order refused to accept a properly redacted bank statement showing the exempt source failed to provide access to a supervisor, XXXX XXXX, or attorney continued to hold my exempt child support funds, causing financial hardship The firms phone number ( XXXX ) disconnects or loops callers into automated recordings, preventing consumers from reaching a live representative to resolve exempt-fund disputes. This behavior violates : The Fair Debt Collection Practices Act ( FDCPA ) Federal rules on handling exempt funds State law prohibiting the seizure of child support Basic consumer rights to contact a debt collector and resolve disputes I am requesting that the CFPB require the firm to : XXXX. Immediately release the exempt child support funds being held XXXX. Correct their refusal to accept legally sufficient documentation XXXX. Provide a written explanation and response XXXX. Cease demanding unnecessary personal financial documents XXXX. Improve accessibility and compliance procedures I am attaching the redacted bank statement that clearly shows the XXXX exempt XXXX XXXX deposits. Thank you for your assistance.
Frequently Asked Questions
What is Complaint #18112771 about?
Complaint #18112771 was filed against Michael J Adams Pc regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
How did Michael J Adams Pc respond to this complaint?
The company responded with: "Closed with monetary relief". The response was not 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 Michael J Adams Pc?
Yes, visit the Michael J Adams Pc company profile at readthecomplaint.com/company/michael-j-adams-pc 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.