Consumer complaint received 2024-06-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cawley & Bergmann, LLP (FL)

Sometime last year ( XXXX ) I can not remember the exact dateI received a call from XXXX XXXX Investments regarding a debt in which I indeed did owe to XXXX XXXXt. They offered to settle with me for a total of about {$6000.00} and I would receive a paid in full status on my credit report. Fast forward to XX/XX/XXXX and I go to my credit report to pay off anything and everything in collections so I can get approved for a VA home loan to put myself and my expecting spouse in a home rather than renting. I went to my credit report and called XXXX XXXX XXXX and they told me they had to transfer me over to another entity. To a New Jersey Phone number ( XXXX ) XXXX The other entity happened to be a firm called, Cawley & Bergmann I initially asked the representative named XXXX about the settlement terms that were verbally given to me by XXXX XXXX investments about a year prior. He told me that was not true and not possible and that I would have to pay the entire amount owed in order to get a paid in full status which I deemed fair. However, when I told him I was ready to pay, he insisted on taking my debit card and banking information verbally over the phone which I saw as a huge red flag. I pleaded with him to send me an email confirming him and his companys identity which he refused and stated that We will send you an email with those details when we receive full payment. I told him I did not feel safe about it and requested a more secure medium of transferring funds. He told me to Mail them a check instead but it would take them longer to process. I again refused. I then received a call from XXXX, Florida phone number ( XXXX ) XXXX on XXXX, and XX/XX/XXXX which happened to be Cawley & XXXX XXXX My phone was quiet for 9 days and then fast forward to XX/XX/XXXX where I received a phone call from a different XXXX Florida phone number ( XXXX ) XXXX which happened to be Cawley & Bergmann. I then received XXXX missed calls on XX/XX/XXXX and then another one on XX/XX/XXXX from the New Jersey Phone Number ( XXXX ) XXXX. Fast forward to XX/XX/XXXX which I answered a phone call from the ( XXXX ) XXXX and it was XXXX from Cawley & Bergmann. He pleaded with me that I must pay this off and that it would only make sense to pay it off in full and used emotional tactics to get me to comply. I told him that I was going into work and I could not talk about it at the moment and to call me back at XXXXXXXX XXXXXXXX XXXX. I immediately called the Consumer Financial Protection Agency just to see if this collector was legitimate. But after careful reading of my credit report and a VA home loan expert reviewing my credit report, Cawley & Bergmann was nowhere to be found. I then received a few missed calls from the various phone XXXX XXXX Phone Number ( XXXX ) XXXX which was Cawley & Bergmann. XXXX calls from the XXXX number which of whom was XXXX from Cawley & Bergmann. I want to pay off this collection debt to the right people but after seeing their tactics, inability to give information, harassment, emotional pleas, using different phone numbers with intent to deceive and reading the atrocious reviews of this entity onlineI am pleading with the CFPA to give me answers. Thank you