Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NowackHoward LLC
State: GA

Complaint narrative:
RE : Formal Complaint Regarding Predatory Collection Practices and Statutory Violations by : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX [ Georgia ] To the Consumer Financial Protection Bureau We are filing this formal complaint against : - XXXX XXXX XXXX XXXX XXXX XXXX ( the " XXXX '' ) XXXX XXXX XXXX XXXX Georgia XXXX - XXXX, XXXX XXXX XXXX XXXX Attorney XXXX XXXX XXXX XXXX Georgia XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, Georgia XXXX for engaging in unfair and deceptive collection practices that violate both the Georgia Condominium Act ( GCA ) and the Associations own recorded governing instruments. As the owner of [ Condominium Unit ], I have been subjected to " exuberant '' fees and interest charges that exceed legal limits. My certified account ledger dated XX/XX/year>, reveals a pattern of predatory " fee-stacking '' and usurious interest rates. I have complained to the Treasurer [ XXXX ] and President [ XXXX ] about the fees with no relief or resolve - additional fees were added after the initial Demand Letter amount was paid. -- Violations of Statutory Interest Caps : Under O.C.G.A. 44-3-109, interest is strictly limited to 10 % per annum. In XX/XX/year>, the Association charged {$55.00} in interest on a balance of $ XXXX effective rate of 10.03 %, exceeding the state mandate. -- Breach of Recorded Governing Instruments : The Associations recorded Declaration ( Section 10 ( a ) ( ii ) ) further restricts interest to 8 % per annum. By charging over 10 %, the Board is in direct breach of its own " condominium instruments '' as defined by the XXXX. Illegal Late Fee Overcharges : The Associations Rules and Regulations ( Item III, Section B ) explicitly cap late fees at {$20.00} per month. However, the ledger shows I am consistently being charged {$35.00} to {$38.00} monthlya nearly 100 % overcharge. -- Unauthorized " Double-Penalty '' Fees : The ledger includes recurring monthly " collection fees '' of {$25.00} to {$27.00}. These administrative markups are not authorized by the Bylaws or the XXXX and constitute an illegal " double-penalty '' on top of standard late fees. -- Unreasonable Fee Stacking : On XX/XX/year>, the account was charged with $ XXXX in charges in a single day, including three separate " Administrative '' and " Attorney '' fees for a single lien filing. This " stacking '' of costs violates the " reasonableness '' standard required by the XXXX. These practices appear designed to create an inescapable cycle of debt. I am requesting that your office investigate these systemic overcharges by conducting a format audit of the [ Management Company ] accounting practices, [ Attorney ] and compel the HOA and Attorney to remove all fees and interest that exceed the limits set by O.C.G.A. 44-3-109 and the XXXX XXXX Declarations. Also refrain from adding new fees and fines unless in accordance with Georgia State Laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation