Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lewis, McDonnell & Associates
State: LA

Complaint narrative:
I am filing this complaint due to repeated violations of the Fair Debt Collection Practices Act ( FDCPA ), potential violations of the Texas Debt Collection Act ( TDCA ), and concerning reporting behavior under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX engaged in unethical, harassing, and deceptive behavior regarding an alleged debt that I have repeatedly requested validation for and never received.

Timeline and Violations : 1. Failure to Provide Debt Validation ( FDCPA 809 ; 15 U.S.C. 1692g ) Despite multiple written requests, I have not received proper debt validation. Instead, I received an email containing inconsistent dates and no itemized information. This is a direct violation of federal law, which requires collectors to provide written verification of the debt, including the amount and name of the original creditor, upon request.

2. Misleading and Deceptive Communication ( FDCPA 807 ; 15 U.S.C. 1692e ) The email I received listed a dispute deadline of XX/XX/XXXX, although the letter itself was dated XX/XX/XXXX, creating confusion about my legal rights and misleading me about the timeline to respond. 
I was threatened with legal action if I did not call back within XXXX hour ( XX/XX/XXXX ), and told to speak to the judge, which constitutes an intimidation tactic and a false representation of imminent legal action. 

The person I spoke to refused to identify themselves clearly, provide access to the named caller ( XXXX XXXX ), or confirm any relevant details of the alleged debt. 

3. Contacting/Threatening to Contact Third Parties ( FDCPA 805 ; 15 U.S.C. 1692c ( b ), TDCA 392.302 ( 2 ) ) On XX/XX/XXXX, a voicemail from " XXXX XXXX '' of XXXX XXXX XXXX XXXX stated that a notice had been sent to my place of employment. On XX/XX/XXXX, another caller ( XXXX XXXX ) referenced documents scheduled for delivery at my graduate school. These statementsespecially in the absence of any court judgmentviolate both federal and Texas laws prohibiting disclosure of debt information to third parties and using threats of public embarrassment or reputational damage. 

4. Refusal to Take Correct Contact Information ( FDCPA 808 ; 15 U.S.C. 1692f ) When I attempted to update my address to ensure I could receive debt validation, the representative refused and stated documents had already been sent to an outdated address. This undermines my right to receive written validation and may be considered an " unfair or unconscionable means '' of collecting a debt.

5. False Credit Reporting ( FCRA, 15 U.S.C. 1681s-2 ( a ) ) The alleged debt was reported by XXXX XXXX XXXX on my XXXX  credit report with a date of XX/XX/XXXX, before I had even been contacted. The amount reported was {$630.00}, while the email I received on XX/XX/XXXX listed the amount as {$860.00}, with no explanation or itemized statement. This discrepancy suggests a violation of the FCRAs requirement for accurate reporting. 

XXXX. Ignoring XXXX  Complaints and Attempting to Conceal Complaints I filed a XXXX  complaint on XX/XX/XXXX ( # XXXX ), which went unanswered. Soon after, other consumer complaints disappeared from the company 's XXXX  profile. This raises concern about transparency and the companys pattern of avoiding accountability.

Company response to consumer: Closed with explanation