Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and Wrongful Judgment Case Number : XXXX To Whom It May Concern : I am submitting this formal complaint against XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX improper service of process, deceptive litigation practices, and the wrongful entry of a default judgment against me. A lawsuit was filed against me by XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX, under Case Number XXXX. However, I was never properly served with the summons and complaint in this matter. As a result of this failure of proper service, I had no knowledge of the lawsuit and was deprived of my legal right to respond, defend myself, or appear in court. Despite this, a default judgment was entered against me. This constitutes a serious violation of my due process rights. I did not receive personal service, nor was I properly served by substitute service in compliance with California law. I did not reside at the address where service was allegedly made, or I was otherwise never notified of the action. Because of this improper service, I was denied the opportunity to defend myself against the claims, and a judgment was obtained without my knowledge. Upon discovering the existence of this judgment, I acted immediately and filed a Motion to Vacate the Judgment, which is currently scheduled for hearing. The actions of XXXX XXXX XXXX XXXX raise serious concerns regarding their service practices, including : Failure to properly serve the defendant Proceeding with litigation without ensuring valid service Obtaining a default judgment without actual notice to the defendant Potential use of inaccurate or outdated address information These actions constitute unfair, deceptive, and abusive practices and may violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692f Unfair practices Additionally, pursuing and reporting a judgment obtained without proper service raises concerns under the Fair Credit Reporting Act ( FCRA ) if such information is being reported inaccurately. This conduct has caused significant harm to my credit, financial standing, and legal rights. I am requesting the following : 1. A full investigation into the service practices of Mandarich Law Group LLP in this matter ; 2. Verification of how service was allegedly completed and at what address ; 3. Immediate corrective action if improper service is confirmed ; 4. Review of XXXXXXXX XXXX XXXX litigation and collection practices ; XXXX. Removal of any negative credit reporting associated with this judgment if it is determined to have been obtained improperly. For identification purposes : Last XXXX of XXXX : XXXX XXXX : XX/XX/XXXX I am prepared to provide additional identifying information upon request through secure channels. I expect a prompt and thorough investigation into this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation