Debt collection -- Took or threatened to take negative or legal action -- Complaint #9977782
Complaint Overview
Complaint ID: 9977782
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: Florida
ZIP Code: 333XX
Date Received: 2024-08-30T12:00:00-05:00
Date Sent to Company: 2024-08-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I received notice from Mandarich Law LLC regarding a debt I owed XXXX XXXX XXXX in the amount of {$1400.00}. XXXX purchased this debt from the XXXX XXXX XXXX where I had a credit card. I requested more information about the debt via email to XXXX at XXXX that evening from my personal XXXX To that, I received no written confirmation or response. However, on XX/XX/year> I received a letter from Mandarich Law showing me a credit card statement to the debt for a XXXX Credit Card that was authorized by the XXXX XXXX XXXX They claimed they could move forward with proceedings but wanted to hear from me first. I quickly wrote an email to Mandarich ( XXXX ) which is the primary email listed on the letter I received and is well advertised on their website. I acknowledged the debt, and offered to settle for {$1000.00} over 8 monthly payments. I received no response. Due to another recent legal issue I had, I have browsed a local court docket and noticed a lawsuit was filed ( statement of claim ) against me on the early morning hours of XX/XX/year>. It was seeking legal action that for the entire amount stating I had not responded or articulated interest in settling or communicating. Further, they took that step without # XXXX responding to my request and # XXXX showing that XXXX had actually purchased the debt from the XXXX XXXX XXXX ( only a credit card statement ). The law firm dated my letter validating the debt on XXXX XXXX, 2024 but I did not receive it until XXXX XXXX. The letter was not sent via certified mail nor with tracking information so there was no way of knowing I received it. I communicated immediately after receiving this message and I know they do receive my emails, because I finally received the validation 2 months after I requested it via email but did not get an acknowledgement. They did not account for the fact that they dated their letter on XX/XX/XXXX, but I didnt receive it timely and as a result they initiated legal action against me despite my ongoing efforts to resolve it. Once I came across the lawsuit yesterday, I emailed a letter to the counsel on file, XXXX ( the primary email of receipt for the suit ), and XXXX. I requested they accept my offer and make me a counter offer. Further, that they cease service of process and withdraw the statement of claim against me because I had made a documented effort to reach them in a timely manner after I received acknowledgement.
Frequently Asked Questions
What is Complaint #9977782 about?
Complaint #9977782 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 2024-08-30T12:00:00-05:00.
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.