Debt collection -- Took or threatened to take negative or legal action -- Complaint #7086028
Complaint Overview
Complaint ID: 7086028
Company: Mandarich Law Group, LLP
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: Illinois
ZIP Code: 60438
Date Received: 2023-06-07T12:00:00-05:00
Date Sent to Company: 2023-06-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report I dont recall having this account. I then sent XXXX XXXX XXXX a debt validation letter certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for only an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me and they dont have anything with proof with my signature on it. Then I received a letter stating the collection was sold to Mandarich Law Group. I then send a debt validation letter certified mail on XX/XX/2023 with a return receipt and they also refused to send me any documents with proof of my signature on it. On XX/XX/2023 around XXXX a random guy gives my XXXX a summoned to court for me. I was never notified of a lawsuit against me for a debt they failed to send me validation for without proof. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.
Frequently Asked Questions
What is Complaint #7086028 about?
Complaint #7086028 was filed against Mandarich Law Group, LLP regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2023-06-07T12:00:00-05:00.
How did Mandarich Law Group, 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 Mandarich Law Group, LLP?
Yes, visit the Mandarich Law Group, LLP company profile at readthecomplaint.com/company/mandarich-law-group-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.