Consumer complaint received 2023-01-14
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date : XX/XX/XXXX To : XXXX XXXX & SmithDebnam Re : Fair Debt Collection Practices Act Violation As amended by Public Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) and as a public service, the staff of the Federal Trade Commission ( FTC ) has provided us consumers the following text ( Excerpts ) of the Fair Debt Collection Practices Act XXXX. XXXX. Unfair practices A debt collector XXXX not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
XXXX XXXX  and their attorneys violated my rights regarding an unlawful letter that was mailed to me by XXXX XXXX  Attorney containing content that was untrue and unlawful and a direct violation of 15 U.S. Code 1692e - False or misleading representations.

I have made several complaints regarding this and now I am hiring an attorney because it has devastated me and caused me mental anguish ever since I received a letter from the creditors ( XXXX XXXX  ) Attorneys ( SmithDebnam ) dated XX/XX/XXXX. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount the attorneys were asking which is not nor has it ever been consistent with what XXXX XXXX  has confirmed multiple times that I allegedly owe. 
SmithDebnam XXXX  me when I received a letter from attorneys at law and demanding payment of {$3400.00} which is over and more than the amount that XXXX XXXX has stated and confirmed multiple times through many disputes of the amount that I allegedly owe XXXX XXXX is in fact {$2300.00}, nothing more or nothing less. 
This is a direct violation of 15 U.S. Code 1692e - False or misleading representations, a federal violation. 
The actions of XXXX XXXX  and their attorneys Smith Debnam also violated XXXX XXXX laws with the same unlawful action, XXXX XXXX XXXX. XXXX Deceptive representation No debt collector shall collect or attempt to collect a debt or obtain information concerning a consumer by any fraudulent, deceptive or misleading representation. Such representations include, but are not limited to, the following : ( XXXX ) Falsely representing the character, extent, or amount of a debt against a consumer or of its status in any legal proceeding ; falsely representing that the collector is in any way connected with any agency of the federal, XXXX or local government ; or falsely representing the creditor 's rights or intentions. 
I would like you to respond as to your position and what you propose as a remedy to these violations prior to me turning this entire nightmare you have put me through over to a FDCPA lawyer and filing a complaint with the XXXX XXXX XXXX XXXX  outlining the specific charges I feel you have violated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation