Debt collection -- Attempts to collect debt not owed -- Complaint #8907109
Debt Collector Pursues Incorrect Debt
Complaint Overview
Complaint ID: 8907109
Company: Lockhart, Morris & Montgomery INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Virginia
ZIP Code: 22201
Date Received: 2024-04-30T12:00:00-05:00
Date Sent to Company: 2024-04-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Phone
Risk Assessment
Risk Level: medium
The risk is medium because while the debt was ultimately not owed by the consumer, the collection attempt itself can cause distress and potential credit reporting issues if not resolved promptly.
Consumer Sentiment: negative
Topics: Debt collection, Medical debt, Incorrect debt
AI Analysis
CFPB complaint 8907109 was filed against Lockhart, Morris & Montgomery Inc. regarding Debt collection (Medical debt), specifically about "Attempts to collect debt not owed". A consumer reported that Lockhart, Morris & Montgomery Inc. attempted to collect a debt that was not theirs, which was closed with an explanation. The complaint was received on April 30, 2024 from Virginia. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should immediately dispute any debt they do not recognize and request validation from the debt collector.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts from the wrong person.
Regulatory Insight
This case highlights the importance of accurate data matching by debt collectors to avoid pursuing debts from individuals who are not liable.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Virginia, as in other states, consumers have rights under the FDCPA and state-specific debt collection laws to protect them from improper collection practices.
Industry Comparison
This is a common issue in the debt collection industry, where errors in identifying the correct debtor can lead to consumer complaints.
Related Issues
Frequently Asked Questions
What is CFPB complaint 8907109 about?
CFPB complaint 8907109 involves Debt collection (Medical debt). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against Lockhart, Morris & Montgomery Inc. on April 30, 2024.
Which company is complaint 8907109 filed against?
Complaint 8907109 was filed against Lockhart, Morris & Montgomery Inc.. You can view all complaints against this company on their profile page at /company/lockhart-morris-montgomery-inc.
What was the company's response to complaint 8907109?
Lockhart, Morris & Montgomery Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 8907109 filed?
Complaint 8907109 was received by the CFPB on April 30, 2024. It was sent to Lockhart, Morris & Montgomery Inc. on April 30, 2024.
What state was complaint 8907109 filed from?
Complaint 8907109 was filed from Virginia. You can view all complaints from this state at /state/VA.
Was the consumer satisfied with the resolution of complaint 8907109?
Dispute information is not available for complaint 8907109.
What product category is complaint 8907109 about?
Complaint 8907109 is categorized under "Debt collection", specifically "Medical debt". This is one of the product categories tracked by the CFPB.
How was complaint 8907109 submitted?
Complaint 8907109 was submitted via Phone. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 8907109?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts from the wrong person. This relates to a Debt collection complaint against Lockhart, Morris & Montgomery Inc. involving "Attempts to collect debt not owed".
How likely is complaint 8907109 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 8907109?
This complaint is rated as medium risk. The risk is medium because while the debt was ultimately not owed by the consumer, the collection attempt itself can cause distress and potential credit reporting issues if not resolved promptly.
What regulatory actions apply to complaint 8907109?
This case highlights the importance of accurate data matching by debt collectors to avoid pursuing debts from individuals who are not liable. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 8907109?
Consumers should immediately dispute any debt they do not recognize and request validation from the debt collector.
Are there state-specific protections for complaint 8907109?
In Virginia, as in other states, consumers have rights under the FDCPA and state-specific debt collection laws to protect them from improper collection practices. This complaint was filed from Virginia.
How does complaint 8907109 compare to industry norms?
This is a common issue in the debt collection industry, where errors in identifying the correct debtor can lead to consumer complaints.
What steps should a consumer take if a debt collector contacts them about a debt they don't owe?
The consumer should immediately inform the debt collector in writing that they dispute the debt and request debt validation. They should also keep records of all communication.
What are the potential consequences for a debt collector who attempts to collect a debt from the wrong person?
Debt collectors can face legal action and penalties under the FDCPA and state laws for violating consumer rights, including attempting to collect debts from individuals not responsible for them.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.