Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suttell, Hammer & White, P.S
State: AZ

Complaint narrative:
I am attempting to resolve and settle a collection account with XXXX XXXX that has been placed with a law firm. The matter is time sensitive because I am currently in the process of obtaining a home loan. I previously submitted a dispute to the law firm. At their direction, I formally withdrew that dispute by email as directed, so the account can return to normal collection status and b XXXX resolved through settlement. The law firm has confirmed that : -they received all required documentation, _The dispute has been withdrawn, _the account is pending an internal " attorney update ''. However, despite being told the process would take XXXX hours, more than XXXX weeks have passed with no action taken. During this time : -the firm has refused to provide settlement terms, -the firm has stated they are unable to speak with me due to their system not being updated, XXXX XXXX and XXXX XXXX XXXX have also refused to communicate Because the account is with the attorney. This has created a situation where I am willing and able to resolve the debt, but I am being prevented from doing so due to internal delays and lack of action by the law firm. This delay is directly impacting my mortgage process, as I need this account resolved or updated promptly. Requested Resolution : -Immediate review and removal of any dispute hold, -promt communication of settlement/payoff terms, -ability to resolve the account without further delay, -uodate the account status to reflect accurate information once payment is made. I have made multiple good faith attempts to resolve this matter and am requesting assistance to ensure the account can be settled and reported accurately without further delay. On XX/XX/year> spoke with XXXX XXXX, stated account was on hold, due to dispute investigation.She stated all I needed to do is send an email stating that " I am no longer disputing and remove dispute. I would like to resolve account ''. She stated once sent give them, " like a day '' and they will be able to talk to me. On XX/XX/year> spoke with XXXX XXXX, she stated email was received that I dispute the balance. I informed her I sent an email requesting removal of dispute. She stated it wasn't received and that I have to send an email again saying that, " I understand that I understand that the balance is the balance that I owe ''. To include last XXXX of social and XXXX. To request dispute to be removed ''. She stated that she doesn't see anything that says anything like that. I informed her I sent the email the day before, she stated it wasn't received yet and to give a follow up call Friday or Monday. On XX/XX/year> spoke to XXXX XXXX, he stated that the matter was on hold and they were unable to speak with me. To follow up in a week or so to see if there's any change to status. On XX/XX/year> I sent an email stating that this account shows a balance of {$1000.00}, I was under the impression that it was settled and paid. Asked to please verify information. If has not, I would like to settle the account and requested they reach out to me. On XX/XX/year>, I sent a second email stating that I am no longer disputing the account and to please remove dispute. XX/XX/year> ( no name given ), stated they have received my email but does not have the ability to remove the hold. Stated they would reach out to an attorney to get it removed. Stated to follow up sometime next week, Monday or Tuesday, to see if it was removed. XX/XX/year> spoke with XXXX, he stated that the account is currently on hold status for the dispute. I informed him I sent an email cancelling the dispute. He stated he can not talk to me, he sees that the email was sent by memo their office, but it's still in review. I informed him that I was informed that that it would take about XXXX days to remove the dispute and it's been XXXX weeks. Then he proceeded with, I don't know who told you that but this is what I see on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation