Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I owed $4,287.17 I paid up front$2,000.00 they got thr payment from ach payments in october of 2024 . They refuse to send thr updated amount I owe to my employer so my employer can stop taking money from ******** every two weeks my employer has take. Out so far $2,500.86 that way more then owned in the beginning of the debit. My employer said they cant stop thr garnishment because the debit collection refuse to send an updated file on my debit owned. Called several times to speak to them and the they say they cant no explanation.they keep taking money from me and wont stop i talked to gwinnett county court garnishment department and they also said that the file says i still owe $4,287.17 and they have sent them the money December *******. They are stealing!

  Business Response

  Date: 01/15/2025

  In order to respond and resolve this complaint I need more information to identify your account with our office.  You can call ******************** for assistance.  Thank you  

  Customer Answer

  Date: 02/05/2025

   
  Complaint: 22812836
  
  I am rejecting this response because: I have called mutiple times to discuss the matter and always told that a manger will call me back after looking into it. Never received a call back. I called again and the phone just rings no one answers . I have proof from the gwinnett county court that the check have sent in 12/14/24 and another  check sent in Jan, 15 2025 and proof that I made a $2,000 payment in October of 2024. I also have proof of my pay stub saying I already paid the full amount.

  I just want my garnishment to be released so my employer can stop garnishment my checks and all the extra money taken out to be paid back in full. 

  Sincerely,
  
  ****** *******

  Business Response

  Date: 02/12/2025

  With the updated name that you provided we are able to respond. 

  To date,  we have received  a payment in the amount of $1,389.09 from *************** on 1/6/25.  The balance remaining on the Judgment as of today is $1,008.98.  (Judgment is accruing post judgment interest too).   We will contact Gwinnett County to inquire about any additional funds from your employer as the firm has only received 1 payment from the court.     

  Customer Answer

  Date: 02/17/2025

   
  Complaint: 22812836
  
  I am rejecting this response because: I have already spoke to Gwinnett County court and they said they have sent you more than one check. Please release the garnishment. I called multiple times to speak to someone  and no answers or they transfer me to different departments. 

  
  Sincerely,
  
  ****** *******

  Business Response

  Date: 02/20/2025

  Our office receive a payment from the court on 2/19/2025 in the amount of $738.29.  To date, we have received $2,127.28 from the court.  I did try to contact Ms. ******* today no answer.  She may contact me at ********************.  

• Initial Complaint

  Date:01/14/2025

  Type:Billing Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Was working with a servicing company for **** called resurgent capital I have documentation asking for verification of the debt ever since April 202. I never received the verification, but it is on my credit report which I believe violates the law. Fast-forward During the Christmas holidays I received a letter from this law firm that never answers. Their phones has no email address and their website is shady. I am making them aware that today. I sent out a certified letter coming from ******* Florida disputing this debt ending in 2527. reason Im writing and documenting this is looking at all the complaints this particular organization says they never received anything when a client says they mailedthem something so I am doing double duty. I have a copy of the certified mail receipt as well as all the communications between myself and resurgent. The amountof the debt is $1991. I have been more than willing to work with anyone as long as they provide me with verification and Im not about a billing statement. I am talking about the full accounting of this particular debt. I also wanna make sure that an actual lawyer swears underthe penalty of perjury that theyve gone over the conditions with the **************** on whether or not they have the ability to collect this debt. I also included an arbitration clause that states I can choose to go to arbitration if need be. Once again, phones are never answered. They have a website that looks remotely legitimate all it says is Make a Payment on their website no contact information that you can actually get through to someoneand no email information Though I can quickly find out through ******** and ****** search the emails of some of the people that work there. This is a formal verification and dispute of this debt retreated. Resurgent said I sent them a cease and desist on this account. I did not. I sent them a and desist on a debt that was over seven years old with *** and Credit one. Account #******** for firm

  Customer Answer

  Date: 01/21/2025

  Confused it says paid from **** Resurgent Capital 

  Customer Answer

  Date: 01/21/2025

  I used DocuSign to fill out this paperwork and just attached it so you can get the information that you need from this organization. Thank you so much for giving me a call today.

  Business Response

  Date: 01/25/2025

  Hayt, Hayt & Landau, Pl has sent ******************** to it's client for review and response.  Hayt, Hayt & Landau, needs additional time to respond to Mr. ******** complaint.  

  Business Response

  Date: 01/27/2025

  Hayt, Hayt & Landau, P.L. (Hayt) has reviewed the inquiry made by Mr. ******* investigated the allegations and responds as follows:

  
  Hayt is a law firm that performs legal services on behalf of ***************** (hereinafter referred to as ****). On or about November ******** **** placed Mr. ******* account with ************ for collection of a defaulted Cerulean **************** account ending in 2527. On or about June 26, 2024, **** sent to Mr. ****** verification of the debt, which included the name original account number, the original creditor, the current balance and the charge off billing statement from the original creditor. Hayt mailed the initial notice pursuant to 16 U.S.C 1692g to Mr. ****** on December 10, 2024 and received this inquiry in response. Hayt has forwarded this to **** and anticipates sending out additional verification of debt for Mr. ****** to review..

  
  If Mr. ****** has any further questions regarding the account, a representative from Hayt can be reached at *********************.     

  Customer Answer

  Date: 01/28/2025

  Approximately 5 days ago received notification that a turnkey operation named Trak America is handling my account after they clearly told me and the letter that I got was from this organization 

  Hayt Hayt & Landau from Resurgent now its Trak America Who am I supposed to be dealing with this account has changed different servicers approximately five times one is a turnkey operation and one is a collection law firm am I to assume that the ************ a turnkey operation turned this over to the collection law firm I dont like assuming anything so clarification would be great and of course, I have no problem with the firm taking their time. Im not unreasonable..

  Business Response

  Date: 01/29/2025

  Hello After I sent the request for extension.  I was able to respond the Complaint.  

  Business Response

  Date: 01/29/2025

  Hayt, Hayt & Landau, P.L. (Hayt) has reviewed the inquiry made by Mr. ******* investigated the allegations and responds as follows:
  
  Hayt is a law firm that performs legal services on behalf of ***************** (hereinafter referred to as ****). On or about November 27, 2024, **** placed Mr. ******* account with ************ for collection of a defaulted Cerulean **************** account ending in 2527. On or about June 26, 2024, **** sent to Mr. ****** verification of the debt, which included the name original account number, the original creditor, the current balance and the charge off billing statement from the original creditor. Hayt mailed the initial notice pursuant to 16 U.S.C 1692g to Mr. ****** on December 10, 2024 and received this inquiry in response. Hayt has forwarded this to **** and anticipates sending out additional verification of debt for Mr. ****** to review..
  
  If Mr. ****** has any further questions regarding the account, a representative from Hayt can be reached at *********************.     

  Customer Answer

  Date: 01/30/2025

   
  Complaint: 22811346
  
  I am rejecting this response because: I did not receive verification or validation of this debt from any organization. **** has used four different collection, agencies or servicing agencies to which I showed proof of me asking for debt validation from each one of these entities, including this law firm and have yet to receive it, I can prove that I asked for validation. I would like proof that they sent me debt validation letters for each one of their servicing companies, which is protected by the ************************************. Also notification of new assignment each time a new servicer takes on this account, giving me a statement saying its a debt when its an actual account and only giving me the last page of a statement is not debt validation. I need to know how they came up with that number. I need all statements not just the last page of the statement and as far as **** funding owning this debt is it securitized ? and what is the bill of sale between any of these entities with **** funding who actually sold this disputed debt to **** funding and a complete transfer of sale they put this on my credit report without validating it just recently resurgent told me that another company was handling this debt called **************** I assume handled or found this law firm I would like to know the relationship between this organization and the law firm who am I supposed to be dealing with? I have no problem, waiting for complete debt validation I also attached a copy of **** funding saying that this was paid off. Please advise.
  
  Sincerely,
  
  **** ******

  Customer Answer

  Date: 01/30/2025

   
  Complaint: 22811346
  
  I am rejecting this response because: I did not receive verification or validation of this debt from any organization. **** has used four different collection, agencies or servicing agencies to which I showed proof of me asking for debt validation from each one of these entities, including this law firm and have yet to receive it, I can prove that I asked for validation. I would like proof that they sent me debt validation letters for each one of their servicing companies, which is protected by the ************************************. Also notification of new assignment each time a new servicer takes on this account, giving me a statement saying its a debt when its an actual account and only giving me the last page of a statement is not debt validation. I need to know how they came up with that number. I need all statements not just the last page of the statement and as far as **** funding owning this debt is it securitized ? and what is the bill of sale between any of these entities with **** funding who actually sold this disputed debt to **** funding and a complete transfer of sale they put this on my credit report without validating it just recently resurgent told me that another company was handling this debt called **************** I assume handled or found this law firm I would like to know the relationship between this organization and the law firm who am I supposed to be dealing with? I have no problem, waiting for complete debt validation I also attached a copy of **** funding saying that this was paid off. Please advise.
  
  Sincerely,
  
  **** ******

  Business Response

  Date: 02/12/2025

  firm has responded to this complaint

• Initial Complaint

  Date:01/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have an agreement in place with this firm for over 5years. I have been paying required amount for over 5 years and my balance has not changed, I still owe he same amount as I owed when agreement started. I have called and left several messages to try and find out why the balance isnt changing but can never get a call back. I have received no correspondence in mail from them about any back or over due charges but ***** will answer my calls or request so I can get this figured out and credited to account properly..

  Business Response

  Date: 01/10/2025

  In response to Ms. ******** complaint and our call she has been credited for payments made and the balance has been reduced by the payments made.   If Ms ******** has any additional questions please feel free to contact our office at ************.  

• Initial Complaint

  Date:12/13/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was sued by this place and went to court made a payment arrangement on my ************ Ive kept track and have about four payments left. Ive been calling and messaging very incompetent lawyers here. Have not responded. If they dont respond why do I have to keep making payments?Youre lawyers Im making my payments and reaching out to see if thats correct and move it off my credit report. No response. Have used three different emails to send messages called several times left voicemails.

  Business Response

  Date: 12/13/2024

  Mr ****** has filed a BBB Complaint against the wrong company.  Our law firm name is Hayt, Hayt & Landau, PL located in ** and ***  We do not have an account in our office for him.  

  Customer Answer

  Date: 12/16/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** ******

• Initial Complaint

  Date:11/30/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally file a complaint against Hayt, Hayt & Landau, PL and their client, regarding unsolicited communication that I received via U.S. Mail. On November 30th, 2024, I received a letter addressed to a person I do not recognize at the address. I have confirmed that no such individual resides at this location.Upon receiving the letter, I returned it to the sender for cause, as I refused it for cause. I wrote "Cease and Desist" on the piece of mail, indicating that they should immediately stop any form of communication with the alleged recipient at this address. This includes all communication via U.S. mail, in person, through third parties, including process servers, and any credit reporting mechanisms under the Fair Debt Collection Practices Act (FDCPA).Additionally, I have attached documentation related to this complaint that must be reviewed by the parties involved. If they have not viewed or reviewed these attachments, they will not be able to respond appropriately to my complaint cease and desist. Their response should be a direct acknowledgment of my cease and desist request. Should these steps not occur, I will reject any response from the law firm or the client. Furthermore, Hayt, Hayt & Landau, PL and client may not contact me outside of this BBB complaint I have initiated.I want to emphasize that any continued communication from Hayt, Hayt & Landau, PL or their client will be considered harassment. If this behavior does not cease, I will be compelled to file bar complaints against the attorneys involved, as well as explore further heavy-handed actions.Please note that my phone number is listed on both the Florida and National Do Not Call lists. I do not consent to being contacted by phone, mail, email or any other methods again by Hayt, Hayt & Landau, PL or client/ buyer of the alleged debt.I appreciate your attention to this matter and expect a prompt informed nonapathetic acknowledgment. Thank you.

  Business Response

  Date: 12/09/2024

  We are unable to respond adequately to this request, as we are unaware who is making the request.   We cannot release any information abut the subjects account to an unknown party. 

  Customer Answer

  Date: 12/10/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me: The cease and desist has come from the address in this BBB complaint, the address they sent correspondence to. They have acknowledged by their inadequate response. If I continue receiving communications by any method(s) (including but not limited to outsourcing) after this BBB complaint is closed I will be informing the Florida Bar, State Attorney General, **** Postmaster via PS Form **** & beyond. This is not a request for information or verification. This is a legal notice of cease and desist regarding communications to a specific address, which you have already acknowledged through your prior correspondence and BBB response. Your requirement for further identification is irrelevant to a property-based cease and desist notice. The address itself is the legal point of service, and you have demonstrated knowledge of it through your own actions.Thank you for your cooperation.
  
  Without Recourse,
  
  World Citizen [#******]

• Initial Complaint

  Date:11/29/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been trying to contact this company for 5 days as they have filed a civil suit against me. According to my debt consolidation company they are in negotiations with them to settle the debt so there is no reason for them to file this in court. How can I resolve this issue if no one ever picks up the phone and message are never returned!

  Business Response

  Date: 12/05/2024

  I apologize for your difficulty in reaching our office.  From review of your file, I see that you have spoken to our office on December 2, 2024.  Also, we have spoken to your third party representative.  In the event you need to speak to our office again you may contact me at ********************.   

• Initial Complaint

  Date:11/26/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  i am not liable for this debt with *****************************. i do not have a contract with HAYT, HAYT & LANDAU, P .L. they did not provide me with the original contract as requested.

  Business Response

  Date: 12/05/2024

  Mr. ****** does not have a contract with Hayt, Hayt & Landau, PL.  Hayt, Hayt & Landau, PL is a debt collection law firm.  Hayt, Hayt & Landau, PL will mail to Mr. ****** a copy of the contract to the address listed on our file as Mr. ****** did not provide a mailing address in his complaint.  ************* would like to discuss this account he may contact our office at ************ and speak to an account representative.  

   

  Customer Answer

  Date: 12/19/2024

   
  Complaint: 22607658
  
  I am rejecting this response because:
  I am not satisfied with the options to resolve the issue 
  Sincerely,
  
  ******* ******

  Business Response

  Date: 12/31/2024

  Hayt, Hayt & Landau, PL has attempted to contact Mr. ****** to discuss his complaint and has not be able to make contact.  ************ would like to discuss his account that our office is handling please contact us at ********************.  

• Initial Complaint

  Date:11/12/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They never answer their phone resulting in you having to show up for court making it impossible to settle before court. They need to give people the opportunity to pay before having more court fees added on. Its absolutely ridiculous I have to call for multiple days in a row and Ive yet to get someone line on the line! Ive been listening to the same hold music for DAYS. I will mention this in court as well along with all the videos I have of no one EVER answering their phones.

  Business Response

  Date: 11/15/2024

  On November 12, 2024 I see from our file notes that Ms. ***** did speak to an account representative.  I apologize for your delay in reaching our office to discuss this matter. From review of the the notes you were going to contact our office back, to let us know which option works best for you.  You may also contact me directly at ******************** in the future.  

• Initial Complaint

  Date:09/26/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I've been calling for months now to get copies of payments made and each time i call, i get transferred to someone who doesn't answer the phone, or to someone who says they will email a receipt and i still don't get anything. my email is ******************** it's very frustrating to keep making these payments and not knowing if they are receiving them. called this morning 9/26/2024, and got ahold of a wonderful customer service agent and she said she would a follow up from another department that handles it as it usually only take a few business to receive when i last called on September 19th. thank you.

  Business Response

  Date: 09/26/2024

  Hayt Hayt & Landau received this BBB Complaint today at 9:43 am.  From review of the account notes a payment history showing all payments made was sent to Ms. Johnson at 9:33 am.   If Ms. Johnson has not received the payment history she may contact the office at 877-474-0834 ext 114 and another copy can be provided.  I see that Ms. Johnsons payments are made by via check therefore she can also check that the payment has been debited from her checking account.     

• Initial Complaint

  Date:08/29/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I DO NOT ACCEPT A RESPONSE WITH TELLING ME TO CONTACT THEM BECUASE THEY DO NOT ANSWER CALLS OR RETURN VOICEMAILS. I HAVE BEEN CALLING FOR 27 DAYS My name is **** ******, my social security number ends with 2347 and my birthday is *************. I made an arrangement with the Law firm of *********************** for BOTH of my *************** accounts. I have copies of every single check that was paid and cleared my bank. I went down and went over the payments with them. Never have missed a payment. I can provide all documents to support my claim here and being resolved and should be out of their office. I have been contacting this office for 3 weeks now. Calling at first multiple times and getting voice mail. I reached out to the Attorney first to see if she could help and confirm that they have received all the payments. I wanted to make sure there was nothing else owed to them for my debt. So, between calling daily and multiple times during the day and not speaking with anyone but a voice message, emailing everyone daily, SIMPLY requesting someone audit this account. NOT ONE PERSON has addressed this problem. Except me. I refuse to do someone else's job. No one is paying me for it. SO, before I go and get help to have this addressed officially, is it too much to ask for someone to actually go over both of my accounts and review every single payment?! This is part of the job I would think when they represent the bank? Numbers, numbers, numbers. I am only stating facts here. These are all events that I have actually experienced. If you don't believe me then you are calling me a liar. LOOK INTO THIS BEFORE BLOWING ME OFF AGAIN PLEASE. AND email should be acceptable SINCE calling the number ************ for extension 307 to speak with ****** **** and leaving him multiple, many ,messages. Clearly someone is not doing their job.Please help and look into this,Thank you again for your time,**** ******

  Business Response

  Date: 09/05/2024

  Hayt, Hayt & Landau, PL spoke to Ms ****** on August 30 after this Complaint was filed.  ********** reviewed the account along with the court dockets and Ms. ****** apologized as she was looking at the wrong account.  This matter has been resolved.