Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Couch Lambert LLC
State: TN

Complaint narrative:
ON XX/XX/XXXX COUCH AND LAMBERT LAWYER THAT IS REPRESENTING XXXX XXXX  TOOK XXXX XXXX TO COURT TO COLLECT {$5100.00} FOR A CREDIT CARD DEBT. XXXX XXXX QUESTIONED THE AMOUNT CONSIDERING THE CONSUMER FINANCIAL PROTECTION BUREAU PREVIOUSLY WON A LAWSUIT AGAINST XXXX BANK FOR VIOLATING THE TRUTH AND LENDING ACT AND SECTION 1026.59 ( a ) OF REGULATION Z. 
XXXX BANK FAILED TO RE EVALUATE AND REDUCE THE APRS FOR CERTAIN CONSUMERS CREDIT CARD ACCTS, WHICH RESULTED IN OVERCHARGES TO THE CONSUMERS. WHICH IS A VIOLATION OF 15 USC 1665. XXXX BANK FAILED TO REVIEW XXXX XXXX 'S ACCOUNT TO ASSESS WHETHER THE INTEREST RATE WAS CORRECT. XXXX XXXX IS AN AFFECTED CONSUMER OF XXXX BANK NEGLEGENT AND FRAUDULENT TACTICS. XXXX BANK SUED XXXX XXXX FOR AN INCORRECT AMOUNT. XXXX BANK FAILED TO PROVE TO XXXX XXXX THAT {$5100.00} WAS OWED.COUCH AND LAMBERT PRESENTED TWO STATEMENTS IN COURT ONE STATEMENT WAS FROM XXXX AND IT STATED THAT XXXX XXXX OWED {$190.00} WITH A CREDIT LIMIT OF {$2000.00} AND THE OTHER STATEMENT THAT WAS PRESENTED WAS IN XX/XX/XXXX WITH A BALANCE OF {$4400.00} WITH A CREDIT LIMIT OF {$4.00}, OOO. STATEMENTS THAT XXXX BANK PRESENTED IN COURT DIDNT EVEN HAVE THE CORRECT AMOUNT THEY WAS TRYING TO COLLECT. XXXX XXXX IN XXXX TENNESSEE DIDNT EVEN LOOK AT THE STATEMENTS, BUT GRANTED XXXX BANK THE JUDGEMENT. XXXX XXXX QUESTIONED THE INTEREST THAT WAS CHARGED AND THE AMOUNT. THE LAWYER FROM COUCH AND LAMBERT COULD NOT EVEN CALCULATE THE CHARGES. XXXX XXXX LET THE LAWYER GET AWAY WITH NOT CALCULATING THE CORRECT AMOUNT BUT INSTEAD WAS BIAS AGAINST XXXX XXXX AND INSTRUCTED ME TO PAY MONEY THAT IS NOT OWED... ACCORDING TO CFPB XXXX BANK IS SUPPOSE TO PAY RESTITUTION TO APPROXIMATELY XXXX XXXX AFFECTED CONSUMERS ACCTS. AND THE REDRESS PLAN IS THAT XXXX BANK MUST MAIL A BANK CHECK OR ISSUE CREDIT TO EACH AFFECTED CONSUMER, AND ACCTS THAT WAS CHARGED OFF. XXXX BANK WAS SUPPOSE TO APPLY THE REDRESS AMOUNT, INSTEAD XXXX BANK HIRED COUCH AND LAMBERT TO HARRASS XXXX XXXX BY TAKING ME BACK AND FORTH TO COURT AND NOT PROVING XXXX XXXX OWE XXXX BANK {$5100.00}. THE STATEMENTS THAT COUCH AND LAMBERT MAILED OUT TO XXXX XXXX SHOWED HOW XXXX BANK CHARGED INCORRECT INTEREST AND FEES EVEN BEFORE THE TIME THE PROMOTIONAL NO INTEREST SAME AS CASH PEROIOD HAD EVEN ENDED.I UPLOADED THREE STATEMENTS, THE FIRST TWO IS THE STATEMENTS COUCH AND LAMBERT PROVIDED IN COURT. AND THE THIRD STATEMENT IS ONE OF THE STATEMENTS THAT WAS MAILED TO XXXX XXXX WHICH I CIRCLED SHOWING HOW XXXX BANK STARTED CHARGING ME INTEREST EVEN BEFORE THE PROMOTIONAL PERIOD HAD ENDED. I ALSO HAVE OTHER STATEMENTS THAT INCLUDE PREVIOUS YEARS WHERE THE INTEREST AND FEES THAT I WASNT AWARE OF THAT I WAS BEING CHARGED. 
XXXX BANK AND COUCH AND LAMBERT HAS VIOLATED THE FDCPA IN NUMEROUS WAYS WITH FALSE AND MISLEADING DOCUMENTS, HARRASSMENT AND OPPRESSION. XXXX BANK IS AWARE THEY VIOLATED TILA AND THE CREDIT CARD ACT BUT IS COMMITTING FRAUD AGAINST CONSUMERS BY TAKING CONSUMERS BACK AND FORTH TO COURT TRYING TO COLLECT INCORRECT AMOUNTS OF MONEY.

Company response to consumer: Closed with explanation