Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern : I am writing to formally document and report what I believe to be unlawful and unethical debt collection practices by Mandarich Law Group , LLP, located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, on behalf of XXXX XXXX XXXX. Mandarich Law Group , LLP, contact number is XXXX and their email is XXXX. 

These concerns involve both the manner in which legal documents were served and questionable payment collection demands and tactics in connection with a debt originally held by XXXX XXXX XXXX  and later transferred through multiple entities to XXXX XXXX XXXX. 

1. Improper Service of Legal Documents In XX/XX/XXXX, a representative allegedly acting on behalf of Mandarich Law Group entered my secured building under false pretenses by claiming to be a friend of mine. Once inside, the individual pounded on the door, causing concern for a tenant who recognized my daughter lives at the residence. When there was no answer, the representative left a legal summons in the common area, visible to anyone. This is not only humiliating but appears to be a violation of proper legal service protocol under XXXX law.

I contacted Mandarich Law Group in late XX/XX/XXXX to advise that I was not residing at the address due to illness and requested that no further attempts be made at that location. I was told that service issues were not their responsibility and should be addressed with the courts, despite the representative acting on their behalf.

2. Use of Deceit for Access and Questionable Surveillance On or around XX/XX/XXXX, a second summons was posted on the door of the given address, with neon tape, again after gaining unauthorized access to the building claiming to be a friend. The posting was observed by another resident, who later described the representative as initially friendly but then verbally aggressive upon exit, muttering : Im going to get paid now, and you should have minded your business. 

The summons includes statements from XXXX XXXX XXXX XXXX XXXX, a private investigator based in XXXXXXXX XXXX, alleging they observed activity and attempted service multiple times. These statements raise serious concerns, particularly how any such observations were made in a locked, secured building without authorization.

3. Questionable Demands and Coercive Payment Practices After reviewing the documents and borrowing the full amount of {$3000.00} cited in the court-approved judgment, I called Mandarich Law Group to request payment instructions and written confirmation that the debt would be marked paid in full upon receipt. I spoke with a representative named XXXX, who repeatedly interrupted the call with unnecessary disclosures and requests for personal information even after I had already verified my identity. 

Despite the court order reflecting the total as {$3000.00}, XXXX then demanded an additional {$700.00}, which was neither referenced in the summons nor previously disclosed. I reiterated that I had secured only the amount shown in the official court filing. He refused to proceed unless I agreed to pay more and declined to confirm any payment arrangement or send documentation in advance. 

After ending the call due to this unproductive and distressing exchange, the number I called fromafter explicitly requesting it not be recorded or usedwas contacted again at XXXX PM. 

The only truthful and helpful information provided during the entire call was that no court date had been scheduled at that time. This aligns with my ongoing confusion about the status of the summons, particularly since no mailed copy has been received as of this writing.

4. Concerns Raised Improper and potentially unlawful service of legal documents, including leaving sensitive documents in unsecured public areas. 
Gaining entry to a private building under false pretenses. 
Deceptive surveillance claims and inconsistent statements in court documents. 
Refusal to accept full court-ordered payment unless additional unexplained funds are paid. 
Failure to provide written documentation upon request confirming the satisfaction of debt. 
Intimidating behavior by representatives during and after service.

5. Requested Actions I respectfully request that this matter be investigated and that Mandarich Law Group and XXXXXXXX XXXX XXXX be held accountable for : Violations of the Fair Debt Collection Practices Act ( FDCPA ). 
Possible violations of Illinois law regarding service of process and consumer protection statutes. 
Intimidating, coercive, and deceptive collection practices. 

I am currently in the process of seeking legal advise and I am also submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ). 

Please confirm receipt of this letter. I am prepared to provide documentation received and testimony as required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation