|
11185729
|
2024-12-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2024-12-17
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-17
|
|
|
6110399
|
2022-10-20
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2022-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
i was trapped by a recruiter for XXXX they told me i could get free transport to XXXX and get my XXXX XXXX through school- they did not accept me into the school or pay my travel which came to XXXX plus hotel of XXXX the recruiter promised to call me XX/XX/XXXXXXXX XXXX XXXX months later to get me back into class - and i never got that call or took their class i also spent an additional XXXX getting my XXXX XXXX i never got a written notice they were charging me for school before i got tricked into this/ i never took class they employed collection lockhart morris montgomery agency and i never saw their letter as i moved during pandemic and they injured my credit report when they should owe me over {$1300.00} as i never took their class i flew home taxi to XXXX to XXXX XXXX XXXX XXXX for physical which i passed and license and online app class to pass the permit and i was lied to repeatedly this action and aggressive recruiting is unconscionable during a financial crisis this stunt made me spend my rent money thinking i would be able to live on their truck for three months as they promised abd caused me financial hardship XXXX was recruiter from XXXXXXXX XXXX - shame on all of them
|
| Consumer Consent Provided |
Consent provided
|
|
|
11138579
|
2024-12-12
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-12
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10413061
|
2024-10-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-10
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10092654
|
2024-09-11
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3642975
|
2020-05-08
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2020-05-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10748115
|
2024-11-11
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Other
|
|
|
7284130
|
2023-07-22
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2023-07-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-22
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
After leaving the company as driver, the company claims I owe them because I was supposed to work for them for XXXX months but I did XXXX months. I remember I did not sign such a contract with them.
I requested they provide a contract that I signed that states I will owe them when I decided to leave before XXXX months but they didn't and they keep reporting the debt on my credit I requested for itemized receipts of the services they provided that costed me XXXX dollar and they didn't provide it.
They should be the ones owing me because I was paid less than minimum wage and they lied about how much I would make weekly
|
| Consumer Consent Provided |
Consent provided
|
|
|
1058408
|
2014-10-04
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Student loan
|
| Sub Issue |
Having problems with customer service
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2014-10-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-10-09
|
| Consumer Consent Provided |
N/A
|
|
|
8050819
|
2023-12-23
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I sent a letter out on XX/XX/XXXX to LOCKAHART MORRIS & MONTGOMERY However they said the completed investigation and everything was 100 % accurate.
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
I would like to know who did they talk to.
How did they complete this investigation
|
| Consumer Consent Provided |
Consent provided
|
|
|
7838444
|
2023-11-11
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2023-11-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7362445
|
2023-08-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2023-08-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-07
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Debt has already been paid for by insurance. They are calling to tell me that I owe them money when I have medical insurance and shouldnt have to pay anything. After showing them an itemized bill, I got from the hospital they refuse to acknowledge it, and continue to say I owe them money.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6737895
|
2023-03-24
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Private student loan debt
|
| Date Received |
2023-03-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7131437
|
2023-06-17
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2023-06-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8383550
|
2024-02-20
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2024-02-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9722004
|
2024-08-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2024-08-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9575861
|
2024-07-22
|
Confusing or missing disclosures
|
Debt or credit management
|
|
| Issue |
Confusing or missing disclosures
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt or credit management
|
| Sub Product |
Debt settlement
|
| Date Received |
2024-07-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-07-22
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I enrolled in XXXX college XXXX to XXXX XXXX XX/XX/XXXX. The tuition I owed for the program was {$3900.00}, and my payments was to be made to a third party servicing company tuition options. I withdrew from the semester but I still owed the balance. I spoke with tuition options multiple times and I was told by multiple different representatives as long as I make a payment, my account will not close. I made my payments to tuition options ; {$200.00} payment ( XX/XX/XXXX ), {$200.00} ( XX/XX/XXXX ), {$80.00} ( XX/XX/XXXX ), {$200.00} ( XX/XX/XXXX ), {$200.00} ( XX/XX/XXXX ), {$200.00} ( XX/XX/XXXX ), {$100.00} ( XX/XX/XXXX ), {$50.00} ( XX/XX/XXXX ), {$100.00} ( XX/XX/XXXX ), {$50.00} ( XX/XX/XXXX ), {$50.00} ( XX/XX/XXXX ), {$100.00} ( XX/XX/XXXX ), {$50.00} ( XX/XX/XXXX ), {$100.00} ( XX/XX/XXXX ), {$50.00} ( XX/XX/XXXX ), and {$50.00} ( XX/XX/XXXX ). In XX/XX/XXXX I was contacted by a collection agency called Lockhart Morris and Montgomery who claimed they had my account and I had to make all payments to them. I contacted tuition options and informed them that I received this call from another agency and I was informed by tuition options that they still had my account and I still have to make payments to them, I also contacted XXXX College and they confirmed that my account was still with Tuition options. I continued to make payments to tuition options. Both tuition options and Lockhart was reporting to my credit report for the same balance with XXXX College. I disputed Lockhart and it came back as a confirmed debt.
I contacted XXXX again on XX/XX/XXXX and spoke to XXXX XXXX, who sent a email to XXXX and ccd me in the email asking for the school to confirm who my account is with and noted that I contacted the school multiple times about this matter and I have not received assistance. On XX/XX/XXXX I sent a follow up email because I still did not hear back from them. XXXX XXXX responded back and confirmed that tuition options is the right place I should be in communication with and ask for me to send communication I received from Lockhart and she will get back to me. I sent over my credit report information, but I did not receive a response back. I continued to receive calls from Lockhart and tuition options requesting payments, I was unsure who I should pay, but as the school directed, I only communicated and made payments to tuition options. On XX/XX/XXXX I made a {$50.00} payment to tuition options. On XX/XX/XXXX I contacted the school for assistance to get Lockhart off my credit as I am trying to purchase a home and the balance is being reported on my credit from XXXX different agencys. I received an email on XX/XX/XXXX from XXXX XXXX stating that the school did not receive a payment from me since XX/XX/XXXX, therefore my account was closed and reported to Lockhart. I responded and informed her that I made payments to the account on XX/XX/XXXX and XX/XX/XXXX and I was informed multiple times by XXXX XXXX if I make any kind of payment my account will not be closed and I went months without know who I should pay because I was recieving calls from XXXX different agencies. XXXX response was that the school did not receive the other payments that was made and I should communicate with Lockhart to resolve my debt. I than received an email from XXXX XXXX from tuition options on XX/XX/XXXX stating that tuition options is the owner of my account but was directed to close my account by the school.
On XX/XX/XXXX I received a email from XXXX XXXX that my account is outstaying for {$3900.00} and I should handle my account immediately to avoid being sent to collections and a payment link was included in the email. I contact XXXX and informed him that I was lied to multiple times by tuition options and XXXX college about this matter, they are practicing very deceitful ways to collect this debt. XXXX informed me that they have been backed up with accounts and he was unaware of what was going on and he will contact his manager but he received my account without any information about what was going on and he was unaware that my account was already in collections. He assured me that he will address the matter and get back to me, I still have not heard back from him.
XXXX College, Tuition Options and Lockhart Morris and Montgomery have lied to me and practice unlawful and deceitful practices. They have not offered me any assistance and XXXX different collection agencys reporting to my credit for the same debt and lied to me on multiple different times to attempt to collect money from me. I was informed that my payments the was made XX/XX/XXXX and XX/XX/XXXX was never even applied to my account and the school was not aware of those payments, thats why my account was closed. No one offered any assistance to this matter. I will like them to be investigated for these unethical practices
|
| Consumer Consent Provided |
Consent provided
|
|
|
3012715
|
2018-09-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2018-09-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-07
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6777056
|
2023-03-31
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2023-03-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-31
|
| Company Public Response |
Company believes the complaint provided an opportunity to answer consumer's questions
|
| Complaint What Happened |
I got letter which showed me the owed amount is {$2500.00}. I received this Letter as XXXX. I didnt understand the reason of this letter
|
| Consumer Consent Provided |
Consent provided
|
|
|
8679519
|
2024-04-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-04-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-02
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
They are attempting to collect a debt that does not belong to me
|
| Consumer Consent Provided |
Consent provided
|
|
|
2549765
|
2017-06-08
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2017-06-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-08
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
Upon careful review of my credit reports I found a collection agency attempting to collect a debt without providing me any written or verbal communication to dispute this item. I have no knowledge of this said debt nor did I open account with this company or the company they are trying to collect for. No contract. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt. Below are a few questions, which may help you to resolve these mistakes. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any judgments been obtained by any creditor regarding this account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9052118
|
2024-05-20
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Private student loan debt
|
| Date Received |
2024-05-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-20
|
| Complaint What Happened |
I am filing this complaint against Lockhart Morris & Montgomery for violating the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulation, 12 CFR Part 1006.
Specific Violations : 12 CFR 1006.34 ( b ) ( 5 ) : I dispute the validity of this debt. XXXX XXXX has failed to provide a proper validation notice as required by this regulation. The notice I received lacked the following information : : A statement that the debt will be reported to credit reporting agencies unless I dispute within 30 days. ( 12 CFR 1006.34 ( b ) ( 5 ) ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The validation notice did not contain the clear and conspicuous disclosure about my right to dispute the debt within 30 days and how to do so. ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) 12 CFR 1006.34 ( d ) : XXXX XXXX has continued to contact me after I disputed the debt and requested verification. ( 12 CFR 1006.34 ( d ) ) 15 USC 1681s-2 ( 7 ) ( A ) : XXXX XXXX communications have been harassing and misleading. [ Excessive calls, contacting me at inconvenient times, threats of legal action without justification ]. ( 15 USC 1681s-2 ( 7 ) ( A ) ) I Request for Relief : I request that the CFPB investigate Lockhart Morris & Montgomery 's practices and take appropriate action, including : Ordering XXXX XXXX to cease all communication with me regarding this debt.
Ordering XXXX XXXX to correct any inaccurate information about the debt that has been reported to credit bureaus.
Ordering XXXX XXXX to pay any damages caused by their violations.
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| Consumer Consent Provided |
Consent provided
|
|
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8851715
|
2024-04-24
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
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| Sub Product |
Federal student loan debt
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| Date Received |
2024-04-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
15usc1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
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| Consumer Consent Provided |
Consent provided
|
|
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8851129
|
2024-04-24
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Federal student loan debt
|
| Date Received |
2024-04-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-24
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
15usc1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
|
| Consumer Consent Provided |
Consent provided
|
|
|
12239824
|
2025-03-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
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| Sub Product |
I do not know
|
| Date Received |
2025-03-01
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-01
|
|
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12408479
|
2025-03-10
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Took or threatened to take negative or legal action
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Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
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| Sub Product |
Medical debt
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| Date Received |
2025-03-10
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| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-10
|
|
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12102190
|
2025-02-18
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Credit reporting or other personal consumer reports
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| Sub Issue |
Information belongs to someone else
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| Sub Product |
Credit reporting
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| Date Received |
2025-02-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Consumer Consent Provided |
Consent not provided
|
|
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12388116
|
2025-03-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Lockhart, Morris & Montgomery Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2025-03-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-04-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
