Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX **Subject : Formal Complaint Against Hayt , Hayt & Landau , P.L . for FDCPA XXXX XXXX Number : XXXX To Whom It May Concern, I am submitting this formal complaint against Hayt , Hayt & Landau , P.L . for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), as outlined in 15 U.S. Code 1692b, 1692g, and other relevant statutes. Their actions have resulted in unlawful debt collection practices, improper communication, and financial hardship. Below are the specific concerns regarding their misconduct : 1. **Unauthorized Third-Party Disclosure** : Under 15 U.S. Code 1692b, debt collectors are strictly prohibited from discussing alleged debts with unauthorized third parties. Despite this, Hayt , Hayt & Landau , P.L . has contacted third parties regarding my financial information without my consent. This is a direct violation of federal law and my privacy rights.

2. **Attempting to Collect a Debt I Do Not Owe** : In violation of 15 U.S. Code 1692e, the agency has attempted to collect a debt that I do not acknowledge or legally owe. They have provided no substantiating documentation proving my obligation to pay this debt.

3. **Failure to Provide Proper Debt Validation** : Per 15 U.S. Code 1692g, I requested written verification of the debt, including details such as the original creditor, itemized charges, and proof that Hayt , Hayt & Landau , P.L . has the legal authority to collect. To date, they have failed to provide this information, which is a clear violation of the FDCPA.

4. **Unlawful Wage Garnishment** : Without proper validation or due process, my wages are being garnished unfairly. This action has caused significant financial distress. Hayt , Hayt & Landau , P.L . has failed to follow the required legal procedures before initiating wage deductions, which further violates consumer protection laws.

**Request for Immediate Action : ** - Conduct a thorough investigation into the unlawful practices of Hayt , Hayt & Landau , P.L .

- Require the agency to provide full validation of the alleged debt, including original creditor details, an itemized breakdown, and proof of legal authority to collect.

- Instruct the agency to cease all third-party communications regarding my financial information immediately.

- Ensure that all collection efforts, including wage garnishment, are halted until proper validation is provided. 
- Take appropriate regulatory action against Hayt , Hayt & Landau , P.L . to prevent further violations of consumer rights. 

This complaint serves as formal notice of my dispute. I urge the CFPB to take swift action to protect my rights and hold Hayt , Hayt & Landau , P.L . accountable for their unlawful practices. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation