Consumer complaint received 2023-05-17
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX, Collection Agency Gurstel Law Firm filed a suit in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for the total amount from XXXX 's {$2400.00}. Over 2 years I have disputed the credit card charges from XXXX - XXXX. XXXX 's never tried to contact me about the dispute. Instead they sold my account to Gurstel Law Firm. 

I have filed a response to Gurstel to dispute the charges XX/XX/XXXX. We had a hearing in XXXX XXXX XXXXXX/XX/XXXX. I responded to Gurstel and XXXX Draw denied that she received a statement that accurately reflected the amount owed. Gurstel have not been able to provide me with the actual amount of the bill within the time allotted per XXXX Fair Debt Collection laws of 5 days after first contacting the Defendant ( Debtor ). Gurstel said that they would send me the statements from XXXX XXXX. 

I received the XXXX 's statements in XX/XX/XXXX, and the statements were missing pages. Gurstel have not been honest about the total amount of debt that is owed- pages in the documents that they sent me are missing pages and it is marked This page intentionally left blank. I called Gurstel in XXXX to review the statement and the missing pages. Gurstel employee was verbally insulting and abusive to me while trying to obtain the original bill on XXXX XXXX XXXX 

I filed a Motion to dismiss XXXX XXXX XXXX requesting the court to dismiss this case under the Fair Debt Collection Practices Act 1692-1692p. Third Party debt collectors are prohibited from engaging in unfair, deceptive, or abusive practices while trying to collect these debts. Plaintiffs have not been able to provide me with the actual amount of the bill within the time allotted per XXXX Fair Debt Collection laws of 5 days after first contacting the Defendant ( Debtor ). Plaintiffs also have not been honest about the total amount of debt that is owed- pages in the documents that they sent me are missing pages and it is marked This page intentionally left blank. Plaintiffs employee was verbally insulting and abusive to me while trying to obtain the original bill on XXXX XXXX XXXX 
Specifically, a debt collector may not collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law. Plaintiff has not provided confirmation of the original bill, their claim for Motion for Summary Judgement and any additional attorney costs is without merit Specifically, a debt collector may not collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law. Plaintiff has not provided confirmation of the original bill, their claim for Motion for Summary Judgement and any additional attorney costs is without merit. 

We had another hearing XX/XX/XXXX, XXXX XXXX XXXX has a volunteer, XXXX, that was overseeing the hearing and did not know about the Fair Credit Law and was not at all professional to me. He was very biased towards me and did not understand that I am entitled to be protected from collection agencies that can not provide a detailed bill. 

Gurstel sent me a new set of statements with the additional missing pages. I am still unable to decipher or validate the actual charges vs all the fees and interests that they are including. I also sent the attorney XXXX XXXX proof of all the letters my financial firm XXXX XXXX sent from XX/XX/XXXX - XX/XX/XXXX to dispute all the negative reporting XXXX 's was doing for 2 years. 

I received a letter form Gurstel XX/XX/XXXX that they have a judgement that was a awarded by XXXX XXXX XXXX. I received in XX/XX/XXXX a letter from XXXX Draw that they denied by my motion to dismiss Gurstel case. 

I am filing the complaint against Gurstel and XXXX Draw for unfair practices and violating my rights under the Fair Credit law.

Company response to consumer: Closed with explanation