Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
We are a debt negotiation company representing over XXXX consumers whose accounts are currently being collected by Lloyd & McDaniel , PLC, a debt collection law firm. 

For more than a year, we have repeatedly attempted to pay off these accounts on behalf of our clients, but Lloyd & McDaniel , PLC consistently blocks all payment attempts. They do not answer phone calls, keep us on hold for over an hour, then transfer calls to voicemail boxes where no one ever responds. They do not return messages or reply to multiple emails sent to their attorneys and management. 

Meanwhile, they continue to pursue wage garnishments and bank levies against our clients even in states where they are not licensed to practice law despite the fact that we have funds ready to pay and resolve these debts. 

This appears to be an abusive and unfair debt collection practice that is harming our clients financially and emotionally. 

We respectfully request that the CFPB investigate Lloyd & McDaniel , PLC and require them to : Provide a working point of contact to process payments. 

Suspend legal action while we make payments. 

Cease any misleading or obstructive conduct that prevents our clients from paying their debts in good faith. 

We have detailed records of calls, emails, and payment attempts available upon request. 

Below is a partial list of the affected consumers we represent : XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXXXXXX XXXX  XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX  XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXXXXXX XXXX, FL, XXXXXXXX XXXX XXXX XXXX, FL, XXXX XXXX  XXXX XXXX, FL, XXXXXXXX XXXX XXXX XXXX, FL, XXXXXXXX XXXX XXXX XXXX, FL, XXXXXXXX XXXX  XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, KY, XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XXXX, NC, XXXXXXXX XXXX

Company response to consumer: Closed with explanation