ComplaintsforLloyd & McDaniel, PLC

• Initial Complaint

  04/09/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  They dont have proper documentation nor do they have accurate information. The amount has still been paid in full plus more. Credit report doesn't reflect updated pay off, company is claiming to be unsatisfied with the original payoff amount now they're requesting more. Something needs done, this is absolutely absurd.

  Business response

  04/11/2024

  April 11, 2024
  
  
  VIA BBB PORTAL
  
  
  Re: Response to BBB Complaint # ********
  Consumer Name:  ***** ********
  
  Thank you for the opportunity to address ***** ********** (hereinafter “*********) complaint.  Lloyd & McDaniel, PLC (hereafter “L&M”) is a law firm retained by Midland Credit Management, Inc. (hereafter “MCM”), to collect a debt owed by ******** for Synchrony Bank credit account ending in 0495.
  
  Our records reflect that a judgment was entered against ******** in October 2020 in the amount of $4,289.22, and that a garnishment was filed on January 27, 2022 to collect the judgment amount, plus accrued post judgment interest.  The total garnishment amount was $4,717.41, and our office received payment in this amount from the Court on March 26, 2024.  Although additional interest accrued on the debt between the garnishment date and the payment date, our office will be closing our file and will not seek repayment of that additional interest over and above amounts already received. 
  
  We hope this information resolves ********** concerns and invite him to contact our office at (866) 585-1880 during our business hours of 8:00am to 5:30pm EST, Monday to Friday, if he wishes to discuss the matter further. 
  
  Sincerely,
  
  LLOYD & McDANIEL, PLC

• Initial Complaint

  03/13/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I never opened an account or entered into any agreement with ******* ******* They acquired closed accounts that I once had with ******* ***. They are morally bankrupt and prey on hard-working individuals because of their greed. The law firm Lloyd and McDaniel worked with ******* ****** ********** to use the law against me and take $4,639.44. First of all, I did not legally owe either of these morally bankrupt and corrupt companies. I obtained an attorney who put forth very little effort to help. ******* ****** ********** and Lloyd and McDaniel are greedy predators who I sincerely hope and pray will be stopped by someone one day so that hard-working people never have to endure the suffering and malice they enjoy inflicting. They work tirelessly to break people mentally and financially. They also ruin credit by adding false information to credit files. None of this should be legal, but it definitely speaks to the current state of overall greed from a large population of corporations across the U.S. and even globally. I would definitely agree to join any class action lawsuits that are brought against these companies.

  Business response

  03/19/2024

  Re: Response to BBB Complaint # ********
  Consumer Name: ******* ****** *********
  Thank you for the opportunity to address ******* ******** ********* (hereinafter, ******* *********** complaint.  Lloyd & McDaniel, PLC (hereafter “L&M”) is a law firm retained by ******* ****** *********** **** (hereinafter, “***”), to collect debts owed by ****** ********** specifically ******* *** (USA), N.A. accounts ending in **** *** ***** ownership of which have been assigned to ****
  
  Both our office and *** disagree with ******** ********* characterization of our firms as morally bankrupt predators.  We value the rights of consumers and are committed to maintaining integrity and fairness in all aspects of our operations.  Recoveries are a sometimes unpopular, but necessary, component of the credit industry.  However, even in adversarial settings, such as litigation, we work with consumers to resolve consumer debts with negotiated repayment terms that are agreeable to both parties. 
  
  Court records reflect that the District Court of St. Francis County Arkansas entered a judgment in favor of *** against ****** ********* for the debts referenced above on March 21, 2023.  Notably, ****** ********* does not dispute her debts with ******* ***, she only takes issue with ***’s subsequent ownership of the debt and L&M’s recovery efforts.  As referenced in ******** ********* complaint, our records reflect that she is represented by counsel, and we remain open to discussing resolution options with him. 
  
  We hope this information resolves ******** ********* concerns and invite her counsel to contact our office toll-free at (866) 585-1880 during our business hours of 8:00am to 5:30pm EST, Monday to Friday if she would like to further discuss repayment options.
  
  Sincerely,
  
  LLOYD & McDANIEL, PLC

  Customer response

  03/19/2024

  ********** ********
  
  I am rejecting this response because I am no longer represented by counsel and want to speak on the unethical behaviors and greed of this firm. I stand firm by every word stated about this business. They operate in a fashion that reflects greed and morally bankrupt character as they victimize individuals in dire financial situations. They helped ******* ******* a company that buys debt from debtors and considers this practice to be okay. It may be legal, but it is definitely not ethical. They operate in the use of unethical behaviors to gain the hard earned money of individuals who truly do not owe them debt. They are morally bankrupt and full of greed. I did not sign any agreements or contracts with them.
  
  Sincerely,
  
  ******* ******

  Business response

  03/22/2024

  Re: Response to BBB Complaint # ********
  Consumer Name: ******* ****** *********
  
  Thank you for the opportunity to address ******* ******** ********* (hereinafter, ******* *********** complaint rebuttal.  We respectfully disagree with ******** ********* characterizations of our office for the reasons stated in our previous response.  We remain open and willing to discussing resolution options with her and invite her counsel to contact our office toll-free at (866) 585-1880 during our business hours of 8:00am to 5:30pm EST, Monday to Friday if she would like to further discuss.
  
  Sincerely,
  
  LLOYD & McDANIEL, PLC

  Customer response

  03/25/2024

  
  Complaint: ********
  
  I am rejecting this response because as stated previously, I am no longer represented by Counsel and stand firmly on the characterization of this business. They are morally bankrupt! They buy debt that has been charged off and seek legal avenues to discredit individuals and take earnings that do not rightfully and ethically belong to them. The practices that they use may be legal, but definitely are not ethical. I truly hope to see more lawsuits, especially class action suits, against them in which individuals are taking a stand and fighting back. I would gladly join any class action lawsuits to end their unethical and morally bankrupt behavior. 
  
  Sincerely,
  
  ******* ******

  Customer response

  03/25/2024

  
  Complaint: ********
  
  
  I am rejecting this response because as stated previously, I am no longer represented by Counsel and stand firmly on the characterization of this business. They are morally bankrupt! They buy debt that has been charged off and seek legal avenues to discredit individuals and take earnings that do not rightfully and ethically belong to them. The practices that they use may be legal, but definitely are not ethical. I truly hope to see more lawsuits, especially class action suits, against them in which individuals are taking a stand and fighting back. I would gladly join any class action lawsuits to end their unethical and morally bankrupt behavior. 
  
  Sincerely,
  
  ******* ******
  
  

• Initial Complaint

  03/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  They were taking a garnishment out of my paycheck. I have paid it off fully and over paid but they won't send nothing to my employer to stop the garnishment. Now they owe me money. I have called 20 times and no one answers the phone or returns my messages.

  Business response

  03/28/2024

  Re: Response to BBB Complaint # ******** ******** ***** *** ******
  
  Thank you for the opportunity to address *** ******** (hereinafter, “*******) complaint.  Lloyd & McDaniel, PLC (hereafter “L&M”) is a law firm retained by ******* **** **** (hereinafter, “CONA”), to collect a debt owed by ******* specifically CONA account ending in *****
  
  We have confirmed that this debt has been paid in full via garnishment, as referenced in ******** complaint, and we have notified ******** employer to cease garnishment withholdings for this debt.  Additionally, we have received an overpayment in the amount of $102.86, and we will be refunding this amount to Rorick.  We are sorry to hear that Rorick has had trouble reaching our office via telephone, but we remain committed to working to resolve this matter.
  
  We hope this information resolves ******** concerns and invite him to contact our office toll-free at (**** ******** during our business hours of 8:00am to 5:30pm EST, Monday to Friday if he would like to further discuss.
  
  Sincerely,
  
  LLOYD & McDANIEL, PLC

• Initial Complaint

  02/20/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On 2/8/2024 the following notice was sent to the address below, as well to the registered agent. Sent to: Lloyd Mcdaniel PLC 700 N Hurstbourne Pkwy STE 200 Louiseville, KY 40222 To whom it may concern, I am writing you today to request comprehensive documentation regarding the Legal or equitable choice in action pertaining to ******** ********* account ************. To better facilitate efficient proceedings and ensure that all relevant information is accounted for, we kindly request the following documentation: 1.Copies of any contracts, agreements or instruments related to choice in action. 2.Detailed records of any transactions, exchange, or transfers involving the chosen action, including dates, parties involved and transaction specifics. 3. Information on any legal action claims or disputes associated with the choice in activities, including court filing judgements and settlement. 4.Correspondents, communication or nieces related to choosing in action. 5. Any other documents or records that provide insight into the nature, ownership, or status of action choices. Thank you so much for your time and attention; we ask that you provide the requested documentation within 14 days. If you require further clarification or have any questions regarding this request, please contact me ! Sincerely, ___________________________ ******** ******** Executor ************************** This matter has caused nothing but stress in my life. I have not been able to properly sleep, it has affected my nerves and because of the stress, I haven't had an appetite to eat. I have sent a notice without a response of all the documentation that I have requested.

  Business response

  02/23/2024

  We are in receipt of your correspondence sent on behalf of ******** ********. 
  
  Thank you for the opportunity to address ******** ********** complaint.  Lloyd & McDaniel, PLC (hereafter “L&M”) is a law firm retained by **** ** ******** N.A. (hereafter “BANA”), to collect a debt owed by ******** ******** *hereafter **********). 
  
  We have confirmed receipt of the written correspondence included with ********** above referenced complaint, and have requested responsive documents from our client, *****  Upon receipt, we will mail the documents to *********  Please note that **** * remains the creditor for the debt at issue and we have not asserted any claim that the debt was transferred or assigned to our office, nor to any other third party. 
  
  As is consistent with our firm’s practice, we are always willing to work with the consumer to reach a feasible resolution for all parties involved.  We invite ******** to contact our office at ***** ******** during our business hours of 8:00am to 5:30pm EST, Monday to Friday, if they wish to discuss the matter further. 
  
  Sincerely,
  
  LLOYD & McDANIEL, PLC
  

  Customer response

  02/27/2024

  
  Complaint: ********
  
  I am rejecting this response because: this matter became effective on February 8,2024 with a 14 day time frame. Meaning that the deadline was on February 22, 2024. Since then, be following documentation has not been provided:
  1.Copies of any contracts, agreements or instruments related to choice in action.
  2.Detailed records of any transactions, exchange, or transfers involving the chosen action, including dates, parties involved and transaction specifics.
  3. Information on any legal action claims or disputes associated with the choice in activities, including court filing judgements and settlement. 
  
  4.Correspondents, communication or nieces related to choosing in action.
  5. Any other documents or records that provide insight into the nature, ownership, or status of action choices.
  
  This matter is null and void. Please update my account to reflect permanent deletion and discharge of the debt. 
  

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

  Business response

  03/04/2024

  Re: Complaint ID: ******** – ******** ********
  
  
  Dear Conciliation Department:
  
  We are responding to follow-up correspondence received from the consumer via the BBB dated February 27, 2024, in which the consumer states that our initial response is rejected due to our failure to provide requested documentation before a deadline of February 22, 2024.  This deadline was unilaterally set by the consumer, is arbitrary, and has no basis in the law or any governing tribunal associated with this matter.  We will provide documentation legally sufficient to validate the debt, as stated in our initial response dated February 23, 2024, within a reasonable amount of time.  However, we are not subject to the deadline asserted by the consumer, nor do we agree that all documentation requested by the consumer is necessary to legally validate the debt.
  
  As always, we remain open to discussing resolution options with the consumer and invite her to contact us toll-free at (866) 585-1880 during our business hours of 8:00am to 5:30pm EST, Monday to Friday to discuss further.
  
  Sincerely,
  
  LLOYD & McDANIEL, PLC

• Initial Complaint

  01/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am not liable for the debt with ******** **** , I do not have a contract with Lloyd & McDaniel, PLC , they did not provide me with the original contract as i requested.

  Business response

  01/16/2024

  Please see our attached response.  

  Customer response

  01/17/2024

  
  Complaint: ********
  
  I am rejecting this response because:

  I am not liable for the debt with ******** **** , I do not have a contract with Lloyd & McDaniel, PLC , they did not provide me with the original contract as i requested.
  

  I demand to get this removed off my credit profile immediately.

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

• Initial Complaint

  01/02/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  they said i was servered by a prosses serever and i was not and tryied to have a judgement on me when i was not servered for default judgement as in the the papaers filed with the courts the person that supposelly servered me had details that was not me saying i had a beard i was in my 50S was stalking on private property which is agaist the law on private property then court records say they mailed me papers and have never received any paper in the mail have not received any phone calls would like the amount reduced as i had no clue to the lawsuit and if they would have checked records i do not owe the credit company and also would like it removed off the credit report as they filed papers and did not contact me on anything the business is a scam and does what ever they want and have judges sign papers without rightfull evidence

  Business response

  01/10/2024

  Please see our attached response. 

• Initial Complaint

  12/15/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Lloyd and McDaniel were hired by ******** **** to collect money from me, they never sent any of the money collected to ******** ****.

  Business response

  12/18/2023

  Please see the attached response. 

• Initial Complaint

  12/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I'm a low income artist. Very hard worker but the area of my business is very affected since the pandemia. My income comes from selling my art and I do freelance for creative projects with event Production companies. My bank account is always with a very low balance and I can barely pay my monthly bills, child support, rent and bills. Sometimes I have to ask friends for a small loan to complete payment of my bills. On 12/04/2023 To my surprise and only having $1830.oo in my ***** ***** account I got an email saying that my bank account balance has reached zero dollars!!!! ***** ***** gave permission to Lloyd & McDaniel, PLC, representing ********* **** to garnish my account, with out any notification and not even protecting me from this brutal greedy attack. ***** ***** must review and protect my account and protect two months worth of direct deposit benefits before freezing or garnishing any money in my account. This is the law!!! In Florida, if your disposable income is less than 30 times federal minimum wage, your wages can't be garnished at all. My anual income is around $18000.oo On Dec 8 I was getting a check ($1200) to pay my rent and child support and this money was also taken by Lloyd & McDaniel, PLC. This is a BIG CORPORATION ABUSE to the American people suffering from a really bad economy. I was never running away from paying this debt but ********* **** never wanted to accept the money I offered as mostly payments because they wanted more and I knew it was out of my budget and control, so now they don’t care about having me and my 16 years old kid with out food on the table. My Landor now wants to give me an eviction notice if I don’t pay the rent. I don’t have one cent to pay for food, internet, phone service, child support, rent, transportation to work. I can believe these two Firms work together to collect a minimum cash from a low income person in the must heartless way. SHAME ON YOU, ***** ***** and Lloyd & McDaniel, PLC ********* ****.

  Business response

  12/18/2023

  Please see the attached response.

  Customer response

  12/21/2023

  
  Complaint: ********
  
  I am rejecting this response because:

  The letter attached from ***** ***** is saying that: "The requestor is responsible for notifying you prior to serving the bank." but I never got any notification from Lloyd & McDaniel before all my money was gone. During the process of negotiation with Lloyd & McDaniel I was very clear all the time telling them that the difficulty that I have to be able to make higher payments ($170 monthly as they requested me) instead of lower payments $50.oo  for what I was able to pay) it was because I am an artist with a LOW INCOME and with a 16 years old kid. They also know that my income is very low but I still have to pay Child Support, and every day continuously supporting my kid with his basic needs. I was never trying to run away from my responsibility with them.

  How possible Lloyd & McDaniel can not consider me as an exception for been a head of household before taking this brutal action agains me? To my understand, the Florida statutes provide that a judgment creditor  cannot garnish earnings consisting of wages, salary, commission, or bonus to a Florida head of household. I give my kid more than I have to pay as child support because been a father is my greatest responsibility and we should protect the money that covers surviving needs before having a garnishment for a credit card debt payment. 

  We as humans should have a SOUL and that includes attorneys too but in this case I don't see humans in the other side and this in very sad.

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

  Business response

  01/03/2024

  Please see our additional attached response. 

• Initial Complaint

  12/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This lawfirm settled with me out of court. I went to their website to set up reoccurring payments. I checked 3 times to make sure it took. So no problems with timely payment. I have so many auto debits and know my dates. This was every 15th of the month. I write this in a state of depression which I already suffer from. I check my account today and 5000 all of my savings and 910.00 taken from my checking. I called my bank and it was this firm. I was told they don't send notices. I was financially ruined tonight. I actually contemplated suicide(please no reporting needed for that comment. Iam not in that state of mind anymore, anyone in that situation would have had a crisis) because they have drained me of my life savings and no way to pay my bills. I told them I didn't trust their site and kept checking to make sure it took. The clerk said...well why would you put your information in there, why didn't you just call it in. My agreement was for 25.00 per month. I put everything in an alarm or calendar. Why would I default on 25.00. They are scamming and lying. I thought I had a screenshot of auto pay but I'm still looking. This whole legal process has been a sham. I now have to fight from every angle to not endless up bouncing every auto debit and my life savings and paycheck are gone. They need to be investigated for fraud. The website is so generic and bad it doesn't surprise me this happened.

  Business response

  12/15/2023

  Please see attached response.

• Initial Complaint

  10/30/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Law firm wont return phone calls about a court ordered garnishment they sent to the wrong address.

  Business response

  11/08/2023

  Please see attached response.  

*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. ↩