Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
Okay on XXXX XXXX, I received XXXX th email a letter from some debt management attorney who in this letter said they saw my case number and sent the letter to see if I wanted their help to deal with this case. I was shocked I had no idea another case had been filed, not was I notified at any point. So based on the case number that was listed on the soliciting attorneys letter, I found out that this was an action taken against me by LLOYD and MCDANIEL with regards to XXXX card. First thing I wanted signature verification of this debt. Two a very rude female attorney that I was speaking to told me that I received the letter and I am a liar for saying that I didn't. This fall was recorded and then I hung up. I also did not at any point receive notifications about my rights to dispute the amount being owed. That is against the law. I had several disputes with their client XXXX card with regards to how they closed my account demanding I provide XXXX for income verification when that should have been done prior to my accounts approval during verification and I had been s victim of identity theft and had several of my cards stolen from me so I will not pay what I do not owe, and any statement whether in context or on another topic dies but signify any admittance to any claim made by this firm.. 

I am filing a motion to dismiss with the magistrate court on the many factors and evidence that I have correlating to the laws broken in how I was handled and treated by this firm.. I received this solicitation in my PIB exactly on XX/XX/XXXX XXXX which was one month and three days after the date that the case was filed. I was told by a very rude female attorney that I had received their letters and verification of debt fur which I did not. I asked three times for the form to provide me with this XX/XX/2024 letter again for which i.nrver received it. 

The case was filed against me on XX/XX/XXXX XXXX. Again I had zero clue it udea that XXXX  card was going to take legal action. The form LLOYD AND MCDANIEL insist that I received a letter on XX/XX/2024 and when I demanded proof of this letter, three times I was refused and also again told i was lying and actually did receive the letter for which I did not.

I want action to be taken against this firm for improper service. In the State of Georgia it is required to serve a case to a party within five days after the court clerks seal and having the file ready for service to s qualified person to do so.

Even though the law states that even if the service was provided after five days does not invalidate the service, any circumstances of delay beyond the time allocated by jaw must be filed and requested through the clerk of courts in the venue of where the action has been filed for any drusy to he consistent dered legitimate and again this dud nut happen not was the kaw which protects my rights were followed. I received a letter finally from this firm on XX/XX/XXXX, which has a false statement claiming that I had been served when I wasn't able the actual service if my summons XXXX thus matter did not happen until XX/XX/XXXX. 2024. This is just one of the reasons why I am motioning th court to dismiss because of willful improper service denial of my right to dispute and also, this firm does not accept credit card or debit card payments on purpose. 

On tural violation of the FDCPA a person is forced into 12 months of consecutive autopsy drafts out of their checking account before and agree to such before they can even try to make one payment. This firm needs to lose its license tpractice law as this is illegal and against the law I have tried to call this firm several more times to attempt to utilize my right to dispute what this firm claims is owed most if it i did not charge.. Again I am not admitting or acknowledging any issues that is claimed by this firm, If s person wants to make a one time payment on their portal they are forced to use their checking account number and routing numbers as well as agreed to

Company response to consumer: Closed with explanation