Debt collection -- Took or threatened to take negative or legal action -- Complaint #5317017
Complaint Overview
Complaint ID: 5317017
Company: Apothaker & Associates, Pc
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Seized or attempted to seize your property
State: Pennsylvania
ZIP Code: 17042
Date Received: 2022-03-11T12:00:00-05:00
Date Sent to Company: 2022-03-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had a family issue that caused me to take custody of my nephews in XX/XX/XXXX. It had placed a financial burden on my family as I couldnt work due to their needs. This caused me to miss payments, etc. I was going to file for bankruptcy but decided to try to negotiate settlements with the card companies. I couldnt get a settlement with XXXX and then XXXX XXXX bought the debt. They sued me through Apothaker Scian. I set up a payment plan and everything was going well until XX/XX/XXXX when XXXX erroneously charged me twice. While this happened, it caused my payment to be returned to Apothaker Scian and I didnt realize this had happened. Honestly I deposit enough for the bills and then have everything set up automatically so I dont check the account as often as I should. Apothaker Scian said they notified me by mail that the payment was returned but I never received any communication from them. Maybe lost in the mail?!? However, they never tried to resubmit the payment or tried pulling funds for any subsequent payments that I had preauthorized. They have no frozen my bank account and have caused more damage ( missed daycare payment, insurance payment, late fees, etc ) all over a relatively small amount owed. Especially during a pandemic ( we maybe coming out of it now? ) when everything is rising and things are already tough for many people.
Frequently Asked Questions
What is Complaint #5317017 about?
Complaint #5317017 was filed against Apothaker & Associates, Pc regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2022-03-11T12:00:00-05:00.
How did Apothaker & Associates, Pc respond to this complaint?
The company responded with: "Closed with explanation". 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 Apothaker & Associates, Pc?
Yes, visit the Apothaker & Associates, Pc company profile at readthecomplaint.com/company/apothaker-associates-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.