|
10894463
|
2024-11-23
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Jacob Law Group, PLLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-23
|
| Complaint What Happened |
I would like to add to the complaint against XXXX. According to Rise, the account was sold to XXXX. Jacob Law initially claimed they were handling the case. However, after I emailed them documents requesting verification of the account, they stopped responding.
I have contacted XXXX multiple times, but their representatives have refused to verify the account or take steps to resolve the issue. As a consumer, I have made every effort to address this matter, but XXXX has neglected its responsibility by continuing to report the debt without resolving it.
Additionally, I spoke with Jacob Law Group, which eventually closed the account after admitting they had the incorrect Social Security number on file. I will attach an email I sent to Jacob Law regarding the XXXX account as evidence.
XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires companies to reasonably investigate consumer disputes and correct inaccurate information if found. XXXX has failed to do so, and seven months have passed without resolution.
This unresolved debt has significantly impacted my ability to obtain a XXXX XXXX XXXX, which has caused me undue stress and hardship.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10706672
|
2024-11-07
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Jacob Law Group, PLLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Personal information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-07
|
| Complaint What Happened |
I currently have an account on my credit report from XXXX XXXX XXXX XXXX, which was sold to XXXX, a company affiliated with Jacob 's Law Group. However, Jacob 's Law Group is unable to provide any information regarding the delinquent account, citing an incorrect Social Security Number ( SSN ). I have reached out to Jacob 's Law Group via email to request clarification and to have the information removed, but I have not received a response.
XXXX XXXX XXXX has also not removed the account, stating that the debt was sold to XXXX. I filed a dispute with XXXX, but they have confirmed that the debt is being reported as accurate, even though no one is able to verify my SSN.
I am formally requesting an investigation into the actions of XXXX XXXX XXXX XXXX and Jacob 's Law Group, with the goal of having this account and the associated debt removed from my credit report due to the discrepancies regarding my SSN.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2792530
|
2018-01-25
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Jacob Law Group, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Indicated you were committing crime by not paying debt
|
| Sub Product |
Other debt
|
| Date Received |
2018-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-25
|
| Complaint What Happened |
My name is XXXX XXXX XXXX. I was audited by the Mississippi Department of Revenue for the tax years of XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX and found to owe a little over $ 5K. I was notified of this debt in XX/XX/XXXX. I was in the middle of Chapter XXXX bankruptcy, which was discharged in XX/XX/XXXX. I also had no job. Unknown to me, my debt was turned over to the XXXX XXXX XXXX in XX/XX/XXXX but I was not informed until XX/XX/XXXX. I paid {$100.00} toward that debt via my XXXX debit card on the phone with the XXXX XXXX and received a confirmation email. It is also reflected on my bank statement.
In XX/XX/XXXX, I received an email that in the opening statement says, " This will confirm that on XX/XX/XXXX, you gave our office checking information over the phone from the XXXX XXXX XXXX XXXX XXXX per the SCAM outlined below. '' It is completely untrue and without merit. I ignored the email. On Friday, XX/XX/XXXX, I received a phone call from XXXX, Mississippi, from someone in the XXXX XXXX, verbally assaulting me regarding the " fact '' that I in XX/XX/XXXX I gave false banking information over the phone from the XXXX XXXX XXXX XXXX XXXX ; that I was part of a SCAM! I hung up, but not before I told the representative on the other end of the phone that I would report the phone call and the email to the Mississippi Governor 's office ( which I have ) and the Mississippi Better Business Bureau. I followed through with phone calls to both offices.
These are the facts : 1. Until XX/XX/XXXX, I was unable to pay anything toward my debt except {$100.00}.
2. In XX/XX/XXXX, I got a job with a sign-on bonus and offered to pay the original debt of $ XXXX to the Mississippi Department of Revenue and the XXXX XXXX. I was told that I would still owe a fee of over {$8500.00}, including the original debt including penalties, interest, and fees associated with the debt having gone into collection. I would still owe almost $ 4K, which I did not have. I was also told they would not negotiate any part of the debt until it had been in collections for at least one year.
3. I am unemployed at present.
4. I no longer live in Mississippi.
5. I do not have the funds to pay the entire debt of almost $ 10K.
I DO NOT APPRECIATE being accused of providing false banking information. I hold two current professional licenses as a physical therapist with fingerprints and have held six XXXX licenses in different states. My ability to maintain my license equates to my having nothing more significant than a traffic ticket or it would be reported to any and all state licensing boards.
It is ABSURD that the State of Mississippi allows itself to be represented by the incompetent law office of The XXXX XXXX.
I have documentation to support all of the above.
Thank you, XXXX XXXX, XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2561938
|
2017-06-29
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Jacob Law Group, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2017-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-29
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX jacob laww croup pllc has refused to send any validation information of this alleged debt we have tryed for years they are all in violating Federal law on multiple accounts and threats.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3323010
|
2019-07-30
|
Problem with the payoff process at the end of the loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem with the payoff process at the end of the loan
|
| Timely |
Yes
|
| Company |
Jacob Law Group, PLLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2019-07-30
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-23
|
| Consumer Consent Provided |
N/A
|
|
|
3799512
|
2020-08-17
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Jacob Law Group, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-08-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-17
|
| Complaint What Happened |
I received a letter today from JACOB LAW GROUP , PLLC. The letter stated they were collecting on a judgement from XX/XX/2004. First off this alleged debt is 16 years old which is way outside the statue of limitations in ANY OF THE 50 STATES WHICH IS VIOLATION NUMBER ONE. I HAVE NOT SIGNED ANY DOCUMENTS OR DONE ANY BUSINESS WITH JACOB LAW GROUP. IAM ALSO SEEKING LEGAL ACTION AGAINST THEM FOR ATTEMPTING TO COLLECT ON AN OUT OF DATE ZOMBIE DEBT. I WILL ALSO BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OF ALABAMA, TENNESSEE, AND ARKANSAS. A FORMAL COMPLAINT WITH ALSO BE FILED WITH THE FBI FOR FINANCIAL CRIMES ALSO. IAM ALSO FILING A FORMAL COMPLAINT WITH WITH EACH STATES BAR ASSOCIATION FOR MISCONDUCT.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4009089
|
2020-12-13
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
Jacob Law Group, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Auto debt
|
| Date Received |
2020-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2561924
|
2017-06-29
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Jacob Law Group, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
I do not know
|
| Date Received |
2017-06-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-29
|
| Complaint What Happened |
I sent them 2 letters one through normal mail and one certified return receipt they did received the letter they have broken violating Federal law.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1988620
|
2016-06-28
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Jacob Law Group, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
I do not know
|
| Date Received |
2016-06-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-28
|
| Consumer Consent Provided |
Consent not provided
|
|
