Consumer complaint received 2022-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Couch Lambert LLC (TX)

Complaint:
Couch Lambert has violated the following FDCPA declaration and violations : 802. Congressional findings and declarations of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

Comment : I believe Couch Lambert has invaded my privacy, caused me stress, and have impeded my ability to secure professional employment.

807. False or misleading representations ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; Comment : An original agreement was never givenThe debt was settled in XX/XX/2019 with XXXX  XXXX XXXX for a much lower amount. 

( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 

Comment : I was disgraced and humiliated during court proceeding ; they were awarded a huge summary judgment as a result. 

( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

Comment : Couch Lambert ignored multiple requests for discovery evidence. Couch Lambert made no effort to secure proper and full records. Couch Lamberts lawyer emailed me a hardship form ; when I asked her if this was the hardship form for their client, XXXX XXXX XXXX, she replied that was the form and again emailed the same from. The form was actually a debt collection form so they could gain more information about my finances before getting a judgment. I will attach the form.

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Comment : They furnished a debt collection form with Couch Lamberts name which she said was XXXX  XXXX XXXX hardship form. I do not think XXXX  XXXX XXXX was even participating. I have talked to other legal counsel and they said they believe this to be a disbarment level offense by the Couch LambertXXXX XXXX XXXX counsel XXXX 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 
15 USC 1692k 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; Comment : They have received a judgment for {$11000.00} and for all the costs of the court. I never even received any documentation saying they were legally representing XXXX  XXXX XXXX, never received any contract or validation of debt or full records, and this judgment is to be sent to their XXXX office, not XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation