Consumer complaint received 2025-04-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Turnbull Law Group
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX / XXXX ( XXXX ) XXXX XX/XX/XXXX Formal Complaint Against Turnbull Law Group for Failure to Deliver Debt Relief Services Dear CFPB Representative, I am writing to formally lodge a complaint against Turnbull Law Group, LLC, for deceptive practices, failure to provide promised services, and causing significant financial and legal harm under the guise of a debt relief program. 

Background In XX/XX/XXXX, I enrolled in Turnbull Law Groups debt settlement program to resolve two unsecured debts : one with XXXX and another with XXXX. Over the course of XXXX years, I made payments totaling {$4500.00} to Turnbull, with the understanding that they would negotiate and settle these accounts on my behalf.

Despite my adherence to the program, Turnbull failed to settle either account. 

Consequences of Turnbulls Negligence Due to Turnbulls inaction : XXXX initiated legal action and secured a wage garnishment order through XXXX XXXX XXXX XXXX. Since XX/XX/XXXX, I have experienced 13 wage garnishments totaling {$5800.00}. 
My bank account was levied twice : {$450.00} in XX/XX/XXXX {$770.00} in XX/XX/XXXX ( later refunded after I contested it in court ) Turnbull also neglected the XXXX account, forcing me to negotiate directly and pay {$3300.00} out-of-pocket in XXXX to prevent further legal repercussions. 

In total, I have incurred over {$13000.00} in losses, including : {$4500.00} paid to Turnbull {$5800.00} garnished by XXXX {$1200.00} levied ( with {$770.00} later refunded ) {$3300.00} paid directly to XXXX Additional Misconduct In early XXXX, Turnbull presented a XXXX settlement offer for {$4500.00}. Given that I had already expended over {$13000.00} due to their negligence, I found this offer unacceptable and declined it, seeking instead restitution for my total losses. 
My attorney, XXXX XXXX, has made multiple attempts to contact Turnbull Law Group via phone and email to discuss resolution and potential restitution. These messages have gone unanswered, further exemplifying their disregard for client concerns. 
The firms failures have caused severe emotional distress, legal complications, and disruptions to my mortgage application process, jeopardizing my ability to secure a home loan.

Requested Action I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate Turnbull Law Group for deceptive and unfair practices in violation of consumer protection laws.


2. Assist in securing restitution of at least {$13000.00}, reflecting the financial losses I have suffered due to their negligence.

3. Hold Turnbull accountable to prevent other consumers from experiencing similar harm. 

I have comprehensive documentation of all payments, correspondence, garnishments, levies, and attempted communications, which I am prepared to provide upon request. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation