Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Grant & Weber (CA)

To whom it may concern : I am writing to file a formal complaint against Grant and Weber Inc., a Nevada corporation, for their ongoing unlawful and unethical debt collection practices. Despite the company having received a significant number of complaints248 to datethrough the CFPBs own platform, it appears that no substantial action has been taken to address their persistent violations of consumer protection laws. 

Background : On or about XX/XX/year> I received a summons indicating that Grant and Weber Inc. was suing me in the Superior Court of California XXXX XXXX XXXX XXXX ( Case No. XXXX ) for an alleged debt of {$14000.00} supposedly owed to XXXX XXXX XXXX. The company claims that the debt was assigned to them, yet they explicitly stated in their summons that they did not purchase the debt but were merely assigned it. 

Violations of Federal and State Laws : 1. Failure to Validate the Debt ( 15 U.S.C. 1692g and California Civil Code 1788.17 ) : Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and California Civil Code 1788.17, debt collectors are required to validate a debt upon request. Despite my request, Grant and Weber Inc. provided only a single monthly statement from Keypoint Credit Union, which is insufficient to validate the debt. This failure to provide adequate validation constitutes a clear violation of both federal and California law.

2. Misrepresentation and Deceptive Practices ( 15 U.S.C. 1692e and California Civil Code 1788.13 ) : The FDCPA ( 15 U.S.C. 1692e ) and California Civil Code 1788.13 prohibit debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. By filing a lawsuit without sufficient proof of assignment and by misrepresenting their legal right to collect the debt, Grant and Weber Inc. is engaging in deceptive practices that violate both federal and state laws.

3. Use of Unfair or Unconscionable Means ( 15 U.S.C. 1692f and California Civil Code 1788.11 ) : The FDCPA ( 15 U.S.C. 1692f ) and California Civil Code 1788.11 prohibit the use of unfair or unconscionable means to collect or attempt to collect any debt. By suing me without properly validating the debt and causing undue stress and pressure, Grant and Weber Inc. is using the court system as a tool of coercion, which is both unfair and unconscionable under both federal and California law.

Lack of Action by the CFPB : It is deeply concerning that despite the 248 complaints filed against Grant and Weber Inc. through the CFPBs own platform, no substantial action has been taken to address their repeated violations of consumer protection laws. The ongoing lack of enforcement allows this company to continue their predatory practices, putting countless consumers at risk of harassment, stress, and financial harm.

Urgent Request for Investigation : I respectfully request that the Consumer Financial Protection Bureau take immediate and decisive action against Grant and Weber Inc. for their violations of the FDCPA and the XXXX  Fair Debt Collection Practices Act. Given the substantial number of complaints already on record, it is imperative that the CFPB intervenes to protect consumers from further abuse by this company.

Conclusion : The lack of action against Grant and Weber Inc. despite the overwhelming number of complaints is alarming. I urge the CFPB to prioritize this matter and take the necessary steps to hold Grant and Weber Inc. accountable for their ongoing violations of federal and state consumer protection laws.

Thank you for your prompt attention to this serious issue. I look forward to your response and the necessary actions to address these violations.

Sincerely, Sincerely, XXXX XXXX