Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
I, XXXX XXXX XXXX XXXX, submit this formal complaint against the law firm LLOYD & McDANIEL , PLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). This firm has attempted to collect an alleged debt through abusive practices, without legally valid documentation, and using an incorrect identity that does not match my legal name. 

FACTS : On XX/XX/XXXX, I received a formal notification from the Florida state court regarding a civil lawsuit filed under the name XXXX XXXX. This name does not correspond to my full legal identity, which is XXXX XXXX XXXX XXXX. 

I consulted with the court, and a court clerk advised me to contact the plaintiffs law firm, LLOYD & McDANIEL , PLC. 

I contacted the firm by phone. I was informed that they were attempting to collect an alleged debt related to a credit card issued by XXXXXXXX XXXX XXXX. I clearly denied ever applying for or opening a credit card with that entity. They claimed to have partial personal information, but they did not verify my full legal name nor did they present any legal documentation linking the alleged debt to me. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, from LLOYD & McDANIEL , PLC, acting as representatives of XXXXXXXX XXXX XXXX That letter : Repeated the attempt to collect the debt using the incorrect name. 

Did not include a signed contract, credit application, account opening records, or any signed agreement. 

Only included copies of account statements from XXXX and part of XXXX, which do not constitute valid legal debt verification under FDCPA 1692g. 

On that same day, XX/XX/XXXX, I sent a formal written dispute by certified mail with return receipt, in which I : Categorically denied the debt. 

Rejected the use of the incorrect or incomplete name. 

Formally requested debt validation as required by law, including the original contract and proof of contractual responsibility. 

To date, I have received no response from the law firm. However, they have continued to pursue the civil lawsuit, in violation of federal law and without respecting my rights as a consumer. 

VIOLATION OF CONSUMER RIGHTS : I believe my rights as a consumer under the FDCPA have been seriously violated. This situation has caused uncertainty, legal harm, and unnecessary emotional distress. The firms actions violated the following principles : Right to accurate legal identification : an incomplete and incorrect name was used. 

Right to documented debt validation before any collection attempt. 

Right to pause collection/legal action upon formal dispute, which was ignored. 

Right to be free from abusive, misleading, or confusing methods, including sending insufficient or unverified documents. 

Right not to be subjected to a legal process without valid evidence of debt or confirmed contractual relationship. 

SPECIFIC VIOLATIONS OF THE FDCPA : 1692g ( b ) Failure to validate the debt after receiving written dispute.

1692e ( 2 ) False representation of the character and legal status of the debt.

1692e ( 10 ) Deceptive tactics : pursuing action without identity confirmation or proof of obligation.

1692f Unfair legal action without valid legal grounds.

1692c ( a ) ( 2 ) Continued legal communication and action after receiving a valid dispute. 

I REQUEST THAT THE CFPB : Investigate LLOYD & McDANIEL , PLC for the practices described above, in accordance with the FDCPA. 

Formally register this complaint in my CFPB file as documentation related to the ongoing lawsuit. 

Require the firm to present a valid and original contractual record, or otherwise dismiss the legal action filed using an incorrect identity and insufficient documentation. 

ATTACHED DOCUMENTS : Letter from the law firm dated XX/XX/XXXXXXXX  ( received XX/XX/XXXX ) Copies of the account statements they provided ( XXXX ) My formal dispute letter sent on XX/XX/XXXX, with USPS return receipt COMPLAINANT 'S PERSONAL INFORMATION : Full Name : XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation