Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Allen & Withrow
State: CA

Complaint narrative:
I am submitting a combined complaint regarding debt collection and enforcement actions taken by XXXX XXXX XXXX XXXX XXXX and specifically the law firm representing them in Arkansas, XXXX XXXX XXXX XXXX formerly operating as Allen & Withrow. My concerns involve improper judgment renewal, lack of notice, misidentification, and a wrongful garnishment placed on my bank account. 



I. Original Issues ( Judgment Renewal / Lack of Notice ) I discovered that a judgment in XXXX  was renewed without my knowledge or consent. I was never served, never notified, and received no communication regarding the renewal or any intent to pursue enforcement. I do not live in XXXX  nor do I have legal representation in that state. 

I only became aware of this situation after my bank account was frozen without prior notice. 

I did not receive : Any notice of the intent to renew the judgment Any copy of the renewal filing Any debt validation as required by the FDCPA Any proof that service for either the original case or renewal was properly completed Despite this lack of legally required notice, the collector proceeded with enforcement actions. This has caused financial loss, disruption, and emotional distress. 

I am requesting that the CFPB investigate : XXXX. Whether the law firm failed to notify me of the judgment renewal XXXX. Whether the debt collector violated FDCPA requirements for validation XXXX. Whether proper service was ever completed in the original case XXXX. The legality of freezing my account without proper notice or identity confirmation I also request that the collector provide : Full account history Proof of service ( original case + renewal ) All renewal filings A complete ledger showing how the amount was calculated At this time, I dispute the validity, enforceability, and amount of the alleged judgment. 



XXXX. Updated Issues ( New Garnishment Notice / Misidentified Defendant ) I recently received a new garnishment notice, which escalates the situation. The notice states that the case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my name, does not match my identity, and appears to involve a different person entirely. Despite this, the garnishment was directed at my bank account. 

As a result, XXXX XXXX placed my account under a legal hold, showing a negative balance exceeding {$7000.00}. This occurred even though the lawsuit referenced in the notice appears to involve someone else. 

I believe this garnishment was initiated : XXXX. Without proper identity verification XXXX. Without confirming that the judgment belongs to me XXXX. Without providing any proof that the case is connected to me in any way I have not received : Proof that this judgment is attached to my name Any FDCPA-required debt verification Any proper legal notice addressed to me This error has caused serious harm, including loss of access to funds and financial instability. 

I request that the CFPB investigate : The misidentification of the defendant The law firms failure to verify identity before issuing a garnishment The collectors failure to provide legally required notices and validation The improper garnishment of my bank account Attachments I will provide : Garnishment notice Objection to Judgment Renewal that was sent certified mail to lawyers and the XXXX XXXX I am requesting immediate review because my funds remain restricted.

Company response to consumer: Closed with explanation