Consumer complaint received 2022-02-10
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX would remove all Credit Card Debt they have deceptively charged, and notify the Credit Bureaus that debt has been removed. XXXX XXXX has harmed my Credit Rating with their bogus and felonious charges. 

Dispute Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Filed against : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX OH XXXX Complaint Description : In XXXX of XXXX, my XXXX XXXX  suggested that my wife and I to be try XXXX XXXX to address my XXXX XXXX  and my wifes XXXX XXXX XXXX 
On XX/XX/XXXX, I and my wife were evaluated by staff representative at XXXX XXXX The XXXX XXXX staff person alleged that he would diagnose our XXXX XXXX and prescribe XXXX  XXXX  for my wife XXXX XXXX and myself. 
XXXX XXXX clerk informed us that : XXXX and our supplemental XXXX insurance would cover most of the costs. 
Next, the XXXX XXXX  clerk used a computerized machine that he claimed would specifically identify our foot condition. After the computer scan of my XXXX  and my wifes, the XXXX XXXX  Clerk reported : The scan revealed that we need the following XXXX XXXX  XXXX  : Model numbers XXXX, XXXX, XXXX. 
XXXX XXXX  representative informed us that XXXX and XXXX XXXX XXXX XXXX XXXX would cover 80 % of costs ( {$1500.00} ) for Claim. Our portion would be {$380.00}. 
1 ) Reality : XXXX XXXX clerk represented himself with the ability to prescribe our foot condition. We found that the XXXX XXXX  Store is not a XXXX XXXX. The XXXX XXXX Clerk Store and their clerk are not licensed XXXX in the State of Ohio. 
2 ) We were misled my XXXX XXXX store that they had the ability to diagnose our food condition and prescribe orthotics ( shoe inserts ) to treat our foot condition.

3 ) We were frauded by XXXX XXXX clerk that we were XXXX XXXX  that could diagnose and prescribe XXXX, that we would only have a minimal copay. 
4 ) Fact : XXXX XXXX XXXX XXXX plan is in reality an application for Credit with XXXX XXXX. The bait and Switch is the total cost for XXXX  are over {$3000.00}. 
5 ) XXXX XXXX  alleged they had a 16 day return policy. 
We were instructed to wear the XXXX XXXX orthotics for 16 days, if we were not satisfied, we could return the orthotics and would be given a full refund. 
6 ) My wife and I followed the 16-day regimen and found the XXXX  inserts to be increasingly painful and worsening my XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, and my wifes XXXX condition. 
7 ) I called XXXX XXXX, on or about XX/XX/XXXX. I was told we would not get a refund. In my subsequent calls after XX/XX/XXXX, I was told the order was not refundable. 
8 ) Secondly, I approached the XXXX XXXX XXXX. They rated XXXX XXXX  poorly but did not get a refund for us.

9 ) Third, I contacted XXXX XXXX XXXX  XXXX informed them of the fraud and filed a dispute. XXXX XXXX  feedback : they do not get involved in Fraud cases, and I would need to file criminal charges. 
Next, I notified the XXXX XXXX XXXX. XXXX XXXX  refused to cooperate with XXXX XXXX and our claim with the Ohio Attorney Generals Office. 
10 ) Ohio Attorney Generals Office referred us to file Consumer Protection with XXXX XXXX XXXX for XXXX XXXX. Reference # with Ohio Attorney General : XXXX XXXX ) We have now received a statement from a Debt Collector : JB-Javitch Block of XXXX XXXX XXXX, XXXX, Ohio stating we had a financial obligation with XXXX XXXX of {$2.00}, XXXX. Apparently, JB liability Company, and XXXX XXXX  have not been informed by XXXX XXXX Corporations committing fraud. 

What we were not told was we needed a prescription from our XXXX, then have it approved by XXXX. XXXX XXXX  did not explain that we needed XXXX approval first. Moreover, according to our XXXX, XXXX XXXX XXXX XXXX did not address our XXXX  XXXX, and made them worse! 

We were instructed to wear the XXXX XXXX XXXX  for 16 days, if we were not satisfied, we could return the XXXX  and would be given a full refund. 
My wife and I followed the 16-day regimen and found the XXXX  XXXX  to be increasingly painful and worsening my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my wifes XXXX XXXX. 
I called XXXX XXXX on or about XX/XX/XXXX. I was told we would not get a refund. In my subsequent calls after XX/XX/XXXX, I was told the order was not refundable. 
Secondly, I approached the XXXX XXXX XXXX They rated XXXX XXXX poorly but did not get a refund for us. 
Third, I contacted XXXX XXXX XXXX  XXXX informed them of the fraud and and filed a dispute. XXXX XXXX  feedback is that they do not get involved in Fraud cases, I would need to file criminal charges. 
Fourth, I notified the XXXX XXXX XXXX. XXXX XXXX refuse to cooperate with XXXX XXXX and our claim with the Ohio Attorney Generals Office. 
Therefore, we maintain the following : 1 ) We were prescribed orthotics by a staff person who is not licensed to diagnose medical conditions in the State of Ohio, nor is XXXX XXXX able to prescribe.

2 XXXX XXXX XXXX Prescription was not appropriate for our condition. 
Refer to Attachment A below 3 ) XXXX XXXX staff person misled us that we could get a Refund if not satisfied within the 16 Day Trial. When it became apparent that XXXX XXXX  orthotics were not appropriate, as verified by my Podiatrist XXXX XXXX XXXX, they refused to refund. 

4 ) We were misled by XXXX XXXX XXXXhat XXXX and our other Health Insurance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX percent of cost. 

5 ) XXXX and XXXX XXXX XXXX and XXXX XXXX informed us that XXXX XXXX could not prescribe the XXXX. Our XXXX  would have to prescribe the appropriate XXXX, apply for Approval from XXXX and XXXX for the Claim. XXXX XXXX XXXX said that XXXX XXXX treated both our conditions with three separate levels of XXXX  supports. These XXXX  supports exacerbated my XXXX XXXX and XXXX XXXX XXXX. The same XXXX supports that were prescribed for my wifes, exacerbated her condition. 

6 ) Moreover, XXXX XXXX are not licensed to diagnose our condition nor prescribe in the State of Ohio according to the Ohio Medical Board. 

7 ) My XXXX, XXXX XXXX XXXX XXXX, XXXX, informed me that the average fee for Prescribed XXXX  is $ XXXX {$600.00}. If XXXX XXXX would have had acted in " good faith '' and requested that my XXXX  XXXX XXXX diagnose and send a Claim for the appropriate XXXX  for approval from XXXX and XXXX, we would not have been defrauded and stressed with products that are not effective, and actually harmful, while being stuck with an outrageous bill that is beyond usual and customary fees. To date, I have paid over {$1000.00} on this account and our Balance XXXX XXXXt XXXX XXXX is {$1900.00} at 26.99 % Annual Percentage rate. 

8 ) According to The XXXX XXXX  Stores FAQs, the companys arch supports are pre-made, and you can take them home the same day you purchase them. This means that The XXXX XXXX Stores arch supports are not custom foot orthotics, and are, instead, prefabricated orthotics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation