Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I had a valid payment arrangement with Lockhart , Morris & Montgomery for an alleged medical debt. I have been making monthly payments of {$50.00} consistently since XX/XX/XXXX, and for an entire year I complied fully with the agreement. The company admitted that my last processed payment was in XX/XX/XXXX, and they confirmed that the next {$50.00} payment was scheduled to be deducted on XX/XX/XXXX. I never missed a payment and never revoked my authorization. Despite this, the company stopped processing my automatic payments without notifying me, even though I had made every payment for nearly a full year. Instead of withdrawing the XXXX payment as scheduled, the company reported the debt to the credit bureaus as delinquent on XX/XX/XXXX before the next payment was even due, and without any communication about a payment issue. Because they stopped the payments without notice and reported the account prematurely, I later sent them a dispute letter but this letter was sent after they had already stopped the payments and already reported me delinquent. On XX/XX/XXXX, I called the company to ask why they breached the agreement. During this call, the representative falsely claimed they stopped the payments and reported the delinquency because I sent them a dispute letter. This explanation is false and impossible. The negative reporting and payment interruption occurred before I sent any dispute letter. Their timeline does not match reality, and their claim appears to be an attempt to cover up their internal error and shift blame for their breach of the agreement. Their actions violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) because they : furnished inaccurate and premature negative information, failed to notify me of any interruption in my authorized automatic payments, misrepresented the reason for stopping the payment arrangement, breached the agreement by failing to process payments I authorized since XX/XX/XXXX, and provided misleading and deceptive explanations during my XX/XX/XXXX phone call. I upheld my end of the agreement for a full year. The company failed to uphold theirs, created an inaccurate delinquency, and provided misleading explanations. What I am requesting : Immediate removal of the negative account from all credit bureaus. A complete accounting and payment history from XX/XX/XXXX through XX/XX/XXXX. A written explanation of why payments were stopped without notice. Correction of all inaccurate or misleading information they furnished. Confirmation that the false explanation provided on XX/XX/XXXX has been formally investigated and addressed. Company : Lockhart , Morris & Montgomery , Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX. On the call I made on XX/XX/XXXX, the agent confirmed they would not collect on the account while in process of being in dispute. On XX/XX/XXXX I received a letter from the company stating the last payment had been received on XX/XX/XXXX. On XX/XX/XXXX the company took a payment of {$50.00} out of my account.

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