Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Turnbull Law Group
State: NJ

Complaint narrative:
Issue : Debt collection false representation of creditor, unfair practices, failure to provide written disclosures Company : Turnbull Law Group Additional company involved : XXXX, XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX, XXXX. I am filing this complaint because Turnbull Law Group has provided misleading and inaccurate information about my debt, failed to provide required written disclosures, and is engaging in unfair and deceptive practices in violation of the XXXX and CFPB regulations. Turnbull Law Group is handling a debt settlement for XXXX XXXX credit card accounts. When I logged into my XXXX client dashboard, the Current Creditor was listed as XXXX, XXXX, XXXX XXXX XXXX XXXX. This is a law firm, not a creditor, and they do not own my debt. Listing a law firm as the current creditor is false, misleading, and violates FDCPA XXXX ( XXXX ) ( A ) and XXXX ( XXXX ). It also violates CFPB XXXX XXXX, which requires accurate identification of the actual creditor. To verify ownership, I checked my XXXX credit report. Both accounts are listed as charged off by XXXX XXXX, and XXXX is still listed as the creditor. There is no new creditor, no debt buyer, and no transfer of ownership shown. This confirms that XXXX still owns the debt, and that XXXX dashboard is providing incorrect and misleading information by identifying a law firm as the creditor. I contacted XXXX to request a hardship payment reduction because my current biweekly payments were unaffordable. They verbally approved reduced payments of {$150.00} biweekly on XXXX account and {$82.00} biweekly on the other. However : XXXX. They refused to provide a written payment schedule XXXX. They refused to make the reduced payments automatic XXXX. They told me I must call every month to keep the reduced payments active XXXX. They delayed the start of the reduced payments by several weeks This creates instability, confusion, and financial risk. It also violates FDCPA requirements for clear written disclosures and constitutes unfair and unconscionable practices under XXXX. A legitimate hardship modification should be documented, automatic, and consistent. XXXX refusal to provide written terms prevents me from understanding the true status of my account and creates the possibility of unexpected increases or default. I am requesting that the CFPB require Turnbull Law Group to : XXXX. Correct the creditor information and accurately identify the true creditor ( XXXX XXXX ). XXXX. Provide a written, permanent, automatic payment schedule reflecting the reduced biweekly payments. XXXX. Provide proper written disclosures required under the FDCPA and XXXX XXXX. XXXX. Explain why a law firm was listed as the creditor despite XXXX showing XXXX still owns the debt. XXXX. Reage my account so I am not considered behind due to their delays. I want to continue paying and resolve this debt, but I need accurate information and a clear, written, automatic payment plan. Turnbulls current practices are misleading, confusing, and harmful. I want Turnbull Law Group to : XXXX. Correct the creditor information to show the actual creditor ( XXXX XXXX ). XXXX. Provide a written payment schedule with the reduced biweekly payments of {$150.00} and {$82.00}. XXXX. Make the reduced payments automatic and permanent, not monthtomonth. XXXX. Provide all required written disclosures under the XXXX and XXXX XXXX. XXXX. Reage my account so I am not considered behind.

Company response to consumer: Closed with explanation