Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Lefkoff, Rubin, Gleason, Russo & Williams, P.C.
State: GA

Complaint narrative:
I am writing to formally file a complaint against Lefkoff , Rubin , Gleason , Russo & Williams , P.C . regarding their improper debt collection practices and violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. Below is a summary of the events and issues : Summary of Events On XX/XX/year>, I received a summons from Lefkoff, Rubin, Gleason, Russo & Williams, P.C., alleging that I owe a debt to XXXX XXXX. Despite their claims, I have serious concerns regarding the legitimacy of this debt and the practices employed by the law firm. 

Key Issues and Violations Failure to Validate the Debt Lefkoff , Rubin , Gleason , Russo & Williams , P.C . failed to provide adequate validation of the alleged debt as required under 15 U.S.C. 1692g.

They have not provided a breakdown of the alleged debt, proof of its validity, or documentation showing I agreed to the terms of this debt. 
Lack of Consent to Litigation At no point did I explicitly consent to the terms of any agreement allowing for litigation. 
No original signed contract or documentation has been provided to demonstrate my agreement to be sued. This violates consumer protection principles, particularly the Best Evidence Rule under the Federal Rules of Evidence ( FRE Rule 1002 ), which requires the original document to prove the content of the alleged agreement. 
Deceptive and Misleading Practices The firms communication implied that failure to respond would result in an assumption of liability, which is misleading and violates 15 U.S.C. 1692e. 
Their threats of negative credit reporting without sufficient basis constitute coercive and deceptive practices. 
Failure to Establish Ownership of the Debt The firm has not provided proof of assignment or documentation showing that XXXX XXXX has lawfully transferred the alleged debt to them for collection. This failure violates transparency requirements under the Uniform Commercial Code ( UCC ), specifically UCC 3-307. 
Privacy Violations Lefkoff , Rubin , Gleason , Russo & Williams , P.C . disclosed information about the alleged debt to third parties without my consent, violating 15 U.S.C. 1692b ( 2 ). 
Request for CFPB Assistance I am requesting the CFPBs assistance in the following ways : Investigate the practices of Lefkoff , Rubin , Gleason , Russo & Williams , P.C . in relation to this matter. 
Require them to provide complete validation of the alleged debt, including the original signed contract and proof of ownership of the debt. 
Ensure that the firm ceases any further collection activities until they comply with all legal requirements under the FDCPA and related laws. 
Address any violations of privacy, unfair practices, or deceptive behavior in their communications and actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation