Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consuegra & Duffy, P.L.L.C.
State: CO

Complaint narrative:
To Whom It May Concern : I am writing to formally file a complaint against the debt collection firm Consuegra & Duffy, and attorneys XXXX XXXX and XXXX XXXX, based in XXXX, Florida, for multiple violations of federal and state debt collection laws. 

Summary of Incident XXXX XX/XX/XXXX, more than {$21000.00} was levied from my personal checking and savings accounts without proper legal notice or justification. The debt in question is not mine. I have no outstanding debt and have never received a notice, bill, or court summons regarding this alleged debt. 

The debt belongs to my mother, who is listed on my checking account solely because I was a minor when the account was opened. She is not listed on my savings account in any capacityyet funds were removed from both accounts. 

Without any warning or legal explanation provided to me, the firm seized the funds. They later returned the money taken from my savings account, but not the money from my checking account, despite my mother being the only person liable for the debt and me being a separate legal individual. I have not received any explanation or written communication directly from Consuegra & Duffy or the attorneys.

All information I have about this debt and garnishment came solely from my bank, not from the collector.

Documented Attempts to Resolve ( No Response ) I have attempted to resolve this issue with the collector seven times, and was either ignored, hung up on, or sent to voicemail. These include : XX/XX/year> Called ; collector refused to identify themselves and demanded my entire SSN. When I declined, I was hung up on. 
XX/XX/year> Waited in their phone queue as caller # 1, was routed to voicemail; left a message, received no callback. 
XX/XX/year> Attempted to use their online chat feature ; no response. 
XX/XX/year> Called twice, one hour apart. Opted for a call-back; received no call back. 
XX/XX/year> ( again ) Waited in phone queue, again routed to voicemail; left another message, received no response. 
XX/XX/year> ( final attempt ) Called and was again routed to voicemail after waiting in queue. Left a message ; again, no return call.

Despite seven attempts, I have never been contacted, acknowledged, or provided any documentation or clarification from the debt collector or its attorneys.

Violations Committed The actions above constitute serious violations of federal and state law, specifically : Fair Debt Collection Practices Act ( FDCPA ) violations : Attempting to collect a debt not owed ( 15 U.S.C. 1692e, 1692f ) Deceptive conduct by refusing to identify themselves and demanding personal information Failing to provide written notice of the alleged debt ( 1692g ) Harassment and abuse by hanging up, failing to return calls, or provide clarification ( 1692d ) Unlawful garnishment of funds from an account legally owned by a person who is not the debtor ( savings account ).

Due process violations, as I was not given the opportunity to dispute the debt or attend a hearing regarding garnishment.

Evidence Available I can provide the following upon request or upload : Bank statements showing the levied and returned funds Screenshots and logs of call attempts, voicemails, and unanswered messages Proof that the savings account is mine exclusively Documentation from my bank showing Consuegra & Duffy initiated the levy

Company response to consumer: Closed with explanation