Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am a natural person. I am a federally protected consumer with rights per the Fair Debt Collection Practice Act. At this time, I would like to enforce my XXXXXXXX XXXX  given rights. This is all being done in Good Faith. Lloyd & McDaniel , PLC, et al. has used abusive, deceptive, and unfair debt collection practices Under 15 USC 1692., which has caused me a lot of mental anguish. 

This letter serves as a formal complaint regarding violations of the FDCPA, Regulation F, and unlawful debt-collection activity committed by Lloyd & McDaniel , PLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX together with all attorneys, staff, agents, employees, and other persons acting on behalf of Lloyd & McDaniel , PLC in connection with the consumer-debt lawsuit brought against me. 
I am the federally protected consumer filing this Complaint. The debt at issue is an alleged consumer debt within the meaning of 15 U.S.C. 1692a ( 5 ). 
Lloyd & McDaniel , PLC ; and all staff and agents representing the XXXX XXXX act as debt collectors under 15 U.S.C. 1692a ( 6 ) and Fla. Stat. 559.55 ( 7 ). They filed litigation in an attempt to collect a consumer debt but did not comply with federal or state disclosure requirements. 
Lloyd & McDaniel , PLC ; and all staff and agents did not provide the validation notice required by 15 U.S.C. 1692g ( a ), nor the disclosures mandated by Regulation F, 12 C.F.R. 1006.34. Required disclosures not provided include : disclosure that the attorney or firm is a debt collector ; itemization of the debt ; statement of my right to dispute the debt within 30 days ; statement of my right to request the name and address of the original creditor ; all standardized disclosures required by Regulation F. 

I received no communication of any kind from the Lloyd & McDaniel , PLC ; and all staff and agents prior to being served with the lawsuit. 
After the lawsuit was initiated, I received billing statements from the creditor. These were sent months after litigation began and did not contain the disclosures required by 15 U.S.C. 1692g ( a ) or 12 C.F.R. 1006.34. They do not constitute valid debt validation. 
Lloyd & McDaniel , PLC ; its attorneys, agents, employees, and all other persons acting on its behalf-initiated litigation as a form of collection activity, and filing a lawsuit is a collection activity under 15 U.S.C. 1692a ( 5 ). I was served with the lawsuit without ever receiving the FDCPA-required validation notice or any pre-suit communication. 
Lloyd & McDaniel , PLC ; its attorneys, agents, employees, and all other persons acting on its behalf also failed to disclose : their status as a debt collector ( 15 U.S.C. 1692e ( 11 ) ; 12 C.F.R. 1006.18 ( e ) ) ; whether they had any financial interest or contingency arrangement ; the identity of the true party in interest ; whether the attorney has any direct financial stake in the collection. 

These actions constitute violations of : 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), 1692e ( 11 ), and 1692g ( a ) ; 12 C.F.R. 1006.18 and 1006.34 ; Fla. Stat. 559.55 et seq. ( FCCPA ) ; Fla. Stat. 501.201 et seq. ( FDUTPA ) ; Fla. Stat. 673.1011 et seq. 

I was prejudiced by these violations because I was not given the federally required opportunity to dispute the debt or request verification prior to litigation. 
My FDCPA rights have been violated by Lloyd & McDaniel , PLC, and their counsel. Under 15 U.S.C. 1692e ( 3 ), an attorney can not be a debt collector. A third-party debt collector is suing me for an alleged debt in violation of 15 U.S.C. 1692i ( b ), which states that nothing in this subchapter authorizes the bringing of legal actions by debt collectors. I did not consent to be contacted and have no contracts with Lloyd & McDaniel ; PLC. Being sued by a third-party debt collector for an alleged debt also violates 15 U.S.C. 1692i ( a ) ( 2 ). 
Conspiracy against my rights has occurred under 18 U.S.C. 241. Under 15 U.S.C. 1692f, these actions constitute unfair or unconscionable means to attempt to collect a debt. This also constitutes defamation of character ( libel ) under 28 U.S.C. 4101. 
I legally refuse to pay this alleged debt under 15 U.S.C. 1692c ( c ). 
All statements made in my Complaint are based on personal knowledge and documented events.

Company response to consumer: Closed with explanation