Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
To Whom It May Concern, This is a formal update and supplement to my ongoing complaint ( # XXXX ) against Johnson Mark LLC , a debt collection agency representing XXXX XXXX XXXX XXXX 

In addition to the previously submitted garnishment-related misconduct and court-documented refund ( attached in my original complaint ), I am reporting a new incident of abusive and deceptive conduct that occurred on XX/XX/XXXX, during a recorded call with a Johnson Mark LLC representative XXXX 

Incident Summary XX/XX/XXXX : I contacted Johnson Mark LLC by phone to request : Escalation to a supervisor A full accounting of my case An explanation for continued garnishment attempts after a court-ordered refund During the call : The representative refused to transfer me to a supervisor, falsely claiming none were available. 
I informed the agent that I was recording the call ( after the refusal ). 
Upon quoting applicable FDCPA laws ( 15 U.S.C. 1692d and 1692e ), the agent suddenly placed me on hold.

Moments later, the call was abruptly disconnected without resolution.

Supporting Facts : The call was lawfully recorded under XXXX one-party consent law ( A.R.S. 13-3005 ).

I can provide the recording and time-stamped call log upon request. 
This interaction was directly related to the court-ordered refund of {$1600.00} in XX/XX/XXXX. 
Despite that refund and court discharge order, Johnson Mark LLC has filed multiple wage garnishments with no legal basis or updated judgment. 
Violations : This most recent behavior reinforces a pattern of harassment, misrepresentation, and obstruction : 15 U.S.C. 1692d Harassment/abuse ( refusing communication, then hanging up ) 15 U.S.C. 1692e ( 10 ) False/deceptive statements ( about escalation availability ) 15 U.S.C. 1692f Unfair or unconscionable means of collection Request for CFPB Enforcement Action : I respectfully request the CFPB : Investigate Johnson Mark LLC for continued FDCPA violations.

Compel Johnson Mark LLC to : Cease all collection efforts Acknowledge the garnishment was refunded and closed Provide a complete accounting and balance breakdown Refer the matter to the Arizona Attorney General and appropriate enforcement bodies. 
Pursue civil penalties or enforcement action for deceptive and abusive practices. 
Thank you for your continued attention to this matter. I am available to provide additional documentation, the call recording, or testimony as needed. 1. The Company Is U.S.-Based Johnson Mark LLC is a U.S. debt collection law firm based in Utah.

They are the entity initiating and controlling the collection activity, even if they subcontract overseas agents.

The FDCPA applies to the company, not just the individual agent.

2. Their Agents Represent a U.S. Debt Collector If an overseas agent is acting on behalf of Johnson Mark LLC ( even via a BPO or call center ), their conduct is legally attributable to Johnson Mark. 
Courts and regulators treat these agents as agents of the principal Johnson Mark remains fully responsible. 
3. FDCPA Does Not Exempt Offshore Call Centers The Fair Debt Collection Practices Act applies to anyone collecting a debt from a U.S. consumer on behalf of a third party, regardless of physical location.

15 U.S.C. 1692a ( 6 ) : " The term 'debt collector ' means any person who uses any instrumentality of interstate commerce ... in any business the principal purpose of which is the collection of any debts. '' So : It doesnt matter if the agent is in the XXXX XXXX XXXX XXXX or anywhere else. 
If they are working for Johnson Mark, FDCPA applies. 
Johnson Mark LLC is legally liable for everything the offshore agent says or does. 
In Fact Using an Offshore Call Center May Be Worse for Them It could raise additional concerns for regulators : Lack of training in FDCPA compliance Language barriers or miscommunication affecting consumer rights Obstruction of communication or escalation processes These factors can strengthen your case for : Regulatory enforcement Sanctions or damages in a civil suit Attorney General referral for deceptive practices

Company response to consumer: Closed with explanation