Debt collection -- Took or threatened to take negative or legal action -- Complaint #9731351
Complaint Overview
Complaint ID: 9731351
Company: Selip & Stylianou, 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: New Jersey
ZIP Code: XXXXX
Date Received: 2024-08-05T12:00:00-05:00
Date Sent to Company: 2024-08-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
SUBJECT : Complaint Against XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. Alleged Attorney for Plaintiff XXXX XXXX is a licensed New Jersey attorney, Bar No. XXXX, who is currently employed with SELIP & STYLIANOU LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; and SELIP & STYLIANOU LLP, ( Selip & Stylianou ) f/k/a Cohen Slamowitz, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX Ny, United States, XXXX XXXX for Violations of Debt Collection Practices. Dear Sir/Madam, I am writing to file a formal complaint against SYNCHRONY BANK, XXXX XXXX XXXX XXXX XXXX, and SELIP & STYLIANOU LLP , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, for violating the Fair Debt Collection Practices Act ( FDCPA ) and state laws regarding debt collection in New Jersey. The law firm is pursuing court action against me violating its terms and conditions, which mandate arbitration in the event of a dispute. SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP have disregarded the FDCPA by : 1. Violating its dispute resolution terms : Their terms and conditions clearly state that arbitration is the required method for resolving disputes. By pursuing court action instead, they are engaging in unfair and deceptive practices. 2. Unfair legal action : The firms approach constitutes harassment and abuse, as defined by the FDCPA since it contradicts their method of dispute resolution. Additionally, the law firm has breached New Jersey state laws by : 1. Lack of Required Licensure or Registration : SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP have not provided proof of their required debt-collecting licensure or registration with New Jersey state regulatory bodies. 2. Non-compliance with State Regulations : The firm has failed to adhere to state-specific debt collection regulations that protect consumers from abusive practices. The firms actions also raise serious concerns about their compliance with court rules and procedures : 1. Abuse of the Legal System : By bypassing the arbitration process and pursuing court action, SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP are misusing the legal system and causing undue stress and financial burden. 2. Lack of Fair Operation : Their actions demonstrate a disregard for fair legal procedures and consumer protection laws. I have attached copies of all relevant documentation, including correspondence with SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, and SELIP & STYLIANOU LLP, their terms and conditions, and court documents. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. Sincerely, XXXX XXXX, Consumer as defined by the FDCPA
Frequently Asked Questions
What is Complaint #9731351 about?
Complaint #9731351 was filed against Selip & Stylianou, LLP regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2024-08-05T12:00:00-05:00.
How did Selip & Stylianou, 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 Selip & Stylianou, LLP?
Yes, visit the Selip & Stylianou, LLP company profile at readthecomplaint.com/company/selip-stylianou-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.