Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
Debt-Collection Evidence Log Kohn Law Firm Consumer : XXXX XXXX Collector : Kohn Law Firm, S.C. 
Account Reference : XXXX Summary of Communication / Action Date/Time/Method/Contact Person Notes/ Potential Violations XX/XX/XXXX ( estimated date ) Mail - Received letter from Kohn Law Firm dated XX/XX/XXXX stating Kohn Law Firm is trying to collect a debt to XXXX  XXXX, XXXX, Successor By Merger to XXXX XXXX and to send payment in full or to dispute the debt ( or validation of the debt total ). 

XX/XX/XXXX XXXXXXXX XXXX Email Sent Sent written debt-validation request per FDCPA 1692g to the email provided to me by Kohn Law Firms letter sent to me mentioned above on XX/XX/XXXX. I requested full documentation verifying debt ownership and balance accuracy. Notes : Establishes timely written validation request. 

XX/XX/XXXX XXXX XXXX  Email Sent- Unnamed staff Law firm confirmed receipt ; stated attorney had been advised of my request. Email reply Confirms collectors receipt of request30-day validation clock begins. 

XX/XX/XXXX Mail Received packet showing only 12 months of transactions. No contract, no full history, no proof of assignment. Packet was incomplete validationpossible FDCPA 1692g violation if collection continues. 

XX/XX/XXXX XXXX XXXX  Email Acknowledged receipt; requested complete transaction history XXXX. Sent email Renewal of validation request. 

XX/XX/XXXX XXXX XXXX  Email Follow-up email noting no response to XX/XX/XXXX request. Sent email Continued dispute ; collector must still cease collection pending validation. 

XX/XX/XXXX XXXX XXXX  Email XXXX XXXX, Senior Floor Lead XXXX replied requesting a phone call, citing confidential matters. No written response to validation request. Email from XXXX XXXX to move conversation off written record ; evasive. 

XX/XX/XXXX XXXX XXXX  Phone Call Placed to XXXX XXXX XXXX  XXXX XXXX answered the phone call on behalf of the firm. XXXX stated the attorney marked my request as declined and that law firm has no obligation to provide additional documentation or signed agreement. Possible FDCPA 1692g & Wis. Stat. 427.104 ( 1 ) ( j ) violationsrefusal to verify debt while asserting collection right. 

XX/XX/XXXX XXXX XXXX  - Phone call placed to XXXX to try and acquire the transaction history I was missing. After being transferred several times as no one seemingly was able to assist me, the call disconnected. 


XX/XX/XXXX - Certified Mail - A certified letter was sent to Kohns Law firm for a cease of collection until all validation documents I requested were provided to me. I also requested all communication on this matter be handled in writing, not via phone going forward. 

XX/XX/XXXX - Mail - A packet was received from Kohn Law Firm with additional transaction dates, however they dated back to only XX/XX/XXXX. In these transactions I came upon APR rates being charged during several months jumping from 16.99 % to 27 % or 28 % without an indication to why such a massive jump occurred when inconsistent with Prime Rate changes. No documentation establishing their legal right to collect this debt including proof of assignment, transfer, or merger between XXXX and XXXX XXXX was provided as I requested. The original card holder agreement with my signature was also not included as I requested. There is also no mention of any additional fees or charges that were added to the total after the charge-off if there are any, not any documentation showing without a doubt that they are the owner of the debt and what the total owed as of now is to the owner. 

XX/XX/XXXX - Kohn Law Firm Representative XXXX XXXX called my cellphone and left a voicemail for me to call back. This violates the cease and desist I sent to them by certified mail. They also ignored my request to only communicate with me in writing via letter or by email as I want all communication in writing. 


XX/XX/XXXX - Filed complaint with CFPB due to missing information still not received as well as the law firm attempting to contact me against my previous request not to do so until I have received all requested validation documents and not to contact me by phone. 

At this time I am still waiting for them to provide me with the rest of the documentation I have requested several times in various ways before asking for further validation of the APR rates that look irregular on several statements that I am also questioning, as well as other terms on some documentation listed on some statements that do not add up properly. At this time I am unable to validate this debt with full accuracy given the lack of documentation they have provided me. They are still attempting to collect the debt without providing me what they are legally required to. 


A copy of the certified letter I sent the law firm that they signed for receipt of said letter.

Company response to consumer: Closed with explanation