Consumer complaint received 2022-12-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

If XXXX or SmithDebnam does not remove this account form my credit bureaus immediately, I am reporting SmithDebnam to the XXXX  XXXX XXXX and the XXXX XXXX on Tuesday, last warning. You have violated my rights and maliciously furnished false data to my credit reports and you are on notice : Tuesday XX/XX/XXXX will be the day that I file complaints with those other agencies for your violations against me. 

XXXX XXXX is falsifying Information to the CFPB regarding a major complaint I am trying to get them to answer to. 


XXXX violates my rights along with their attorneys, SmithDebnam, when they sent to me recently a demand letter asking for more money than what is allegedly I owe as you can see on your records. 

Please monitor this complaint as XXXX or SmithDebnam has responded to this serious violation. 

This is a copy of other complaints, you will see they have no answered to this unlawful violation. 

XXXX conspired with their personal collection agency, a collection agency that fakes their image As a law firm to scare consumers, sent me a threatening letter recently asking for more than {$1000.00} and wont respond to this complaint or tags it as a duplicate, this is depriving my rights to due process by falsifying data to CFPB I have no fair chance to be successful in a dispute. This is illegal Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX RE : XXXX XXXX account ending in XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear XXXX XXXX : We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure that your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at XXXX. According to our records, weve previously addressed your concerns, regarding prior collection efforts on your account and the accuracy of the reporting to the credit bureau. As previously advised, our position remains that you are liable for the above referenced account, and we confirmed the account is being reported accurately to the credit bureaus as a charged off account. Regarding your concerns with Smith Debnam Narron Drake Saintsing & Myers , LLP and the amount that is to be collected, since your account is currently placed with them for the continued collection efforts on our behalf, we encourage you to contact XXXX XXXX who is with the firm at ( XXXX ) XXXX. We feel many of your concerns can be resolved by speaking with them directly. Regarding the marking of CFPB cases as duplicates, as we have addressed your concerns on multiple occasions, we will direct you to the previous CFPB case number as reference where this was previously addressed. Since we have addressed your concerns, until any new information is provided, further communication regarding this matter may not be acknowledged or receive a response. Thank you for allowing me the opportunity to address your concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CFPB This is not a duplicate. A copy Of this is being faxed to a supervisor with CFPB. We finally caught the customer advocate lying on his responses to the CFPB! 

I field a complaint XXXX And in that complaint I stated this : XXXX conspired XXXX their personal collection agency, a collection agency that fakes their image As a law firm to scare consumers, sent me a threatening letter recently asking for more than {$1000.00} and wont respond to this complaint or tags it as a duplicate, this is depriving my rights to due process by falsifying data to CFPB I have no fair chance to be successful in a dispute. This is illegal And the customer advocate at discover I will find his name the crook didnt list his name here because he knows he is lying when he closed out this complaint by stating it was a duplicate. 

He also states below that the latest complaint, the one he just lied and closed out also references these complaint numbers, I will his responses in order below for the following complaints so you can see that he lied. 

( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX! 

Read his response here and you will see this is Not a duplicate. 

Reas their response - Deceptive Trade Practices! 

Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX RE : XXXX card account ending in XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear XXXX XXXX : We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure that your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at XXXX. According to our records, weve previously addressed your concerns, regarding prior collection efforts on your account and the accuracy of the reporting to the credit bureau. As previously advised, our position remains that you are liable for the above referenced account, and we confirmed the account is being reported accurately to the credit bureaus as a charged off account. Regarding your concerns with Smith Debnam Narron Drake Saintsing & Myers , LLP and the amount that is to be collected, since your account is currently placed with them for the continued collection efforts on our behalf, we encourage you to contact XXXX XXXX who is with the firm at ( XXXX ) XXXX. We feel many of your concerns can be resolved by speaking with them directly. Regarding the marking of CFPB cases as duplicates, as we have addressed your concerns on multiple occasions, we will direct you to the previous CFPB case number as reference where this was previously addressed. Since we have addressed your concerns, until any new information is provided, further communication regarding this matter XXXX not be acknowledged or receive a response. Thank you for allowing me the opportunity to address your concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CFPB This is not a duplicate. XXXX Has perjured themselves 6 times and the proof Above and each respective complaint number.

I would like an investigation into why and how there were 6 complaints and nobody has taken action when it is clear they perjured themselves.

They have falsified information 6 separate times thus violating my rights to due process of each separate complaint because they deprived me of the opportunity to prevail in each false response and that is deceptive trade practices and the statutory fine is {$1000.00} per incident and there are 6 thus far so I respectfully request that that {$6000.00} be dispersed to me per law and since it is behind a per ponderousness of a doubt and absolutely a fact that they willfully violated my rights each and everytime and they were deceotv The original complaint as listed again below, shows clearly and simple what my complaint is and XXXX is concealing and trying to skirt the complaint thus perjuring themselves in lying and providing false information to the CFPB web portal.