Debt collection -- Took or threatened to take negative or legal action -- Complaint #6377134
Complaint Overview
Complaint ID: 6377134
Company: Jacob Law Group, Pllc
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: Mississippi
ZIP Code: 390XX
Date Received: 2022-12-29T12:00:00-05:00
Date Sent to Company: 2022-12-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Im filing this complaint against Jacob Law Group , PLLC for failure to adhere to FDCPA guidelines. Jacob Law Group , PLLC fail to adhere to Regulation F, giving me the opportunity to request for validation of an alleged debt prior to assuming its validity. I have encountered abusive, deceptive, and unfair debt collection practices from Jacob Law Group , PLLC. In accordance with sos.ms.gov ; Jacob Law Group , PLLC is registered as an attorney office. Yet, they are acting as a debt collector, which is a violation under the FDCP for deceptive practices. Jacob Law Group , PLLC has inflated the alleged debt amount with fees in the amount of {$130.00} for court cost and garnishment. The fees and prior order is null and void due to, I was never served a Summons and Complaint to appear in court for this alleged debt. I was recently given a Show Cause Hearing on XX/XX/XXXX XXXX, a new trial date was set for XXXX, XXXX. I requested validation of this alleged debt, which Jacob Law Group fell to provide all requested documentation. XXXX XXXX knowing I was never given an opportunity to dispute this alleged account prior to sending this account over to Jacob Law Group , PLLC. As you can see in the uploaded documents, they recently issued a letter via USPS, given me the opportunity to dispute by XX/XX/XXXX. I requested the original contract with the original creditor, Bill of Sale, and Purchase Agreement. So, that I may validate this alleged account properly. Jacob Law Group only sent statements, which does not validate alleged debts in accordance with law. Due, to me not being able to validate this alleged debt, I filed a claim with the Federal Trade Commission as fraudulent account. I have no proof nor prior knowledge of this alleged account ; its not on my credit report. Jacob Law Group , PLLC, you are hereby noticed within this complaint. Cease and desist any and all attempts in trying to collect on this alleged debt I dont owe. If I owed this alleged debt in which I, dont it have passed the statute of limitations ( MCA 15-1-29 & MCA 15-1-31 ), forfeiting the rights of collection. Jacob Law Group , PLLC has violated multiple law under the FDCPA, I'm truly loss for words. Jacob Law Group , PLLC has knowingly broken state and federal laws and regulations concerning the collection on this alleged debt with forethought and malice. I have also filed a complaint with our local Attorney General Office upon me submitting this complaint.
Frequently Asked Questions
What is Complaint #6377134 about?
Complaint #6377134 was filed against Jacob Law Group, Pllc regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2022-12-29T12:00:00-05:00.
How did Jacob Law Group, Pllc 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 Jacob Law Group, Pllc?
Yes, visit the Jacob Law Group, Pllc company profile at readthecomplaint.com/company/jacob-law-group-pllc 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.