Debt collection -- Written notification about debt -- Complaint #6648433
Complaint Overview
Complaint ID: 6648433
Company: Dunlap Gardiner LLP
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Georgia
ZIP Code: 314XX
Date Received: 2023-03-04T12:00:00-05:00
Date Sent to Company: 2023-03-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have new and updated information regarding complaint number XXXX. A contract can only be valid and legal if theres a legitimate enforceability agreement between two parties. There are several aspects that make up such an agreement : there must be an agreement between both parties formed by an offer and an acceptance, the consideration, which is a promise that is supported by something of value, and the contract must have legal purpose. Without these four critical aspects, the contract can not be legal. XXXX XXXX does not have firsthand knowledge of the specific details of the purchase of my home. This company, its associates, and client XXXX XXXX Homeowners of XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX referred to the XXXX was not present during the closing of the home and can not speak to the facts of that situation. According to XXXX XXXX, upon purchase of a property in the community, the purchaser automatically becomes a member of the homeowners association by default without any legitimate agreement between the consumer and the XXXX and is subject to the terms and conditions found within the declarations. XXXX XXXX has provided a clear example of why congress felt the need to write the FDCPA, to protect consumers from abusive, deceptive, and unfair debt collection practices as displayed by XXXX XXXX, and the XXXX as well as protect the consumers right to privacy. The fact that XXXX XXXX and the XXXX has ignored my numerous requests to see the legitimate enforceability agreement, or the documentation that gives them the legal right to attempt to collect anything from me proves that theyve infringed upon my federally protected consumer rights and that this alleged debt is not legal and have been predatory from the very first time theyve demanded payment from me.
Frequently Asked Questions
What is Complaint #6648433 about?
Complaint #6648433 was filed against Dunlap Gardiner LLP regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2023-03-04T12:00:00-05:00.
How did Dunlap Gardiner LLP 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 Dunlap Gardiner LLP?
Yes, visit the Dunlap Gardiner LLP company profile at readthecomplaint.com/company/dunlap-gardiner-llp 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.