Complaints

• Initial Complaint

  01/21/2025

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Back on 12/19/2024 Scott & Associates attempted to serve for with a lawsuit on a debt owed to **********. I consolidated all of my credit cards with ****************************** in June 2023 which included this Credit One account. I immediately reached to ****************************** and we settled on 12/23/24 with a signed stipulation agreement. This server has continuously come out in attempts to serve me and I advised ****************************** that informed the stipulation agreement was received by Scott &Associates so the process server would stop coming out. This was not the case the young and continuously come out in attempts to serve and this past Thursday not only did she come out but there was confrontation. This young said out loud during the confrontation, at night that I was still being sued and that I needed to pay my bills. Why does she know my business and saying out loud for my neighbors to here, which is all on my ring camera that I sent over to ****************************** as well. This is harassment we settled almost a month ago and they've received their first payment so why are they still trying to serve me? Even with the confrontation that take place the lady still left with the papers she brought to serve me with. I also receive emails on each serve attempt that states they've missed and have legal documents for me every time she comes out as well to backup how many times she's been out since we've settled. On that same day as well I received a letter from Scott and Associates about the settlement agreement as well. I've reached out to the **** about this situation as well. If this continues I will reach out for legal advise against them because this is harassment and for her to yell my business out in public should be some type of breach of my personal information and why does she know I'm being served for? They can keep on and I'll be seeking a dismissal because I have my proof and camera footage.

  Customer response

  01/30/2025

  Process server came out again on 01-30-25  and this was settled with the stipulation agreement and the payments are being made. Scott & Associates are harassing me even I've agreed to their terms.

  Business response

  01/31/2025

  Please see attached response letter.

  Customer response

  01/31/2025

  
  I do not accept this response at all. ****************************** confirmed submitting this stipulation agreement to Scott & Associates and we settled as of 12-23-24. My other concern is the unprofessionalism of the process server yelling out my business in my front yard and the process server taking a picture of my car tag last night as well which is all on my ring camera. Also Scott & Associates received their first payment on January 10th but you're saying the stipulation wasn't received until Jan 13th so with the initial serve attempts being made December 21st and the document dated December 19th how and why was the payment accepted on Jan 10th after no response from that judgment. I also have a letter dated January 1st from Scott & Associates that confirmed the settlement and amounts. Scott & Associates have been very negligent and inconsistent throughout this entire process. If Scott and Associates pursue wage garnishment and I haven't defaulted, I will seek legal counsel. I have all documents and footage to substantiate my claim.
  

  Customer response

  01/31/2025

  I have attached files from the judgment with the date showing 12-19-24 and confirmation of settlement with agreed amounts from Scott & Associates dated 01-01-25. I have already attached the stipulation agreement that was for in December. I'm not sure why they are bringing up a date of 01-13-25.

  Customer response

  01/31/2025

  I have attached files from the judgment with the date showing 12-19-24 and confirmation of settlement with agreed amounts from Scott & Associates dated 01-01-25. I have already attached the stipulation agreement that was for in December. I'm not sure why they are bringing up a date of 01-13-25.

• Initial Complaint

  01/10/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been paying on this debt for 7 years and had almost paid off the balance. Our family has been in a hardship situation for many years but have continued with the payments until last year. I called and told them I could no longer pay and started getting behind. They tacked on court fees which were taken off before because of my behind status. I have called many times and talked with supervisors but I am not getting anywhere. I also sent them a copy of all my payments we make monthly. I owe ***** for the actual debt which was thousands originally and the court fees are 300 or so. I also have offered to pay the ***** and called this acct paid in full. They are unwilling to do as well.

  Business response

  01/23/2025

  Please see attached response.

• Initial Complaint

  01/01/2025

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  I am responding to your contact about collecting a debt. You contacted me by mail on March 22, 2017 about a debt of $1,298.00. Looking for the information requested below. As of now I am attempting to reach out to the business that provided and inaccurate email address.

  Business response

  01/09/2025

  Please see attached response.

  Customer response

  01/14/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  12/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I signed and mailed the Payment Stipulation Agreement with Scott & A** on June 13, 2024, as an arrangement was made with Beyond Finance, myself, and this debt collector. Since June 27, 2024, and each month thereafter, regular payments of $1,542.50, have been made to Scott & A** per the Payment Stipulation Agreement. On November 13, 2024, I was served a Trial Setting for January 23, 2025. I contacted Scott & A** and was told over the phone that the signed Payment Stipulation Agreement had not been received by **************************** so I emailed a copy of the Payment Stipulation Agreement to *************************************************************** on November 13, 2024 (I have the email). After calling a week later to follow up on their receipt of my signed Payment Stipulation Agreement, I as told that it was recieved, but I would not get confirmation of that. Also, the spokesperson for Scott & A** verified that regular payments were received by them and applied to the remaining balance. I called again a week later, and was basically told the same thing. I then mailed another copy of the signed Payment Stipulation Agreement to Scott & A** P.O. *************************************, on November 20, 2024, by Certified Receipt ************* Mail. The letter has not been accepted by Scott & A** according to **** Tracking - (I have a copy). When calling ************, I get a message that the phone system is down at this time. After not being able to contact Scott & A** to confirm receipt, I mailed another signed Payment Stipulation Agreement by ****, Certified Priority 2-Day mail, on December 17, 2024. I do not have confirmation that Scott & A** have received it as of today. I never received any communication that Scott & A** had not received the orginial signed Payment Stipulation Agreement that I mailed on June 13, 2024, and was unaware that it was missing (according to **************************** If the trial date is not dismissed, I will present all the evidence I have to prove I have adhered to the agreed upon terms.

  Business response

  12/31/2024

  Please see attached response.

  Customer response

  01/02/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  12/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I responded to a proposed debt that has been circling around different collection agencies now for years and it has been disputed with the original creditor and have disputed it with the other agencies until now this agency has it. Its a vicious cycle.. I disputed the debt with a letter dated November 13th that they signed for via certified mail on November 18, 2024, 10:43 am. I sent validation of debt request to them as other prior agencies did not and cannot provide proof of this debt as it was incurred fraudulently while i was undergoing cancer treatment and under doctors care. The original creditor was notified about the unauthorized charges but did nothing to help me and at that time I was stage 4 cancer and was given months to live so I could not pursue further action with the original creditor. Pennsylvania's statute of limitations of debt is four years from the most recent payment or original due date and this has expired. Then on November 26th 2024 I recieved another notice from them asking me to provided hardship documents which is a direct violation of the ***** as they were told to cease and desist any further communication with me as my first letter was within the 30 day notice to dispute the validity of the debt. Title 15 U.S.C. 1692c limits the way debt collectors can communicate with consumers locatin and third parties. I included in my first letter that the address they sent the first notice was NOT my address any longer and I had moved and provided them with my mailing address but they NEGLECTED to update my address and mailed the second letter to my old address once again and the new tenants reached out to me and once again provided mail to me that the postal service is negligent in forwarding my mail. 1692g requires debt collectors to provide consumers debt validation notice and I did dispute the debt in my first letter and they neglected once again to adhere to the federal law by asking me to provide hardship. I am seeking damages

  Business response

  12/30/2024

  Please see attached response.

• Initial Complaint

  11/25/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I recieved paperwork from Scott & Associates on October 30th 2024, since then I have been trying to talk to someone about said paperwork. I am only able to reach someone out of the ************* (Paperwork says address in *****) The Paperwork is quite threatening, but I do not feel safe giving any personal info to the one's answering phones. They say they are not located in the ** but need so much info to put me in touch with someone in the **. I have tried every phone number with the same results, located outside the **. The party I was working with on this matter are not the ones I've listed. I'm not sure how this party even has any info at all. I have sent every document the party I was working that they asked for. I've tried all I know how in contacting someone from this office to no avail. I just simply do not feel comfortable giving any info to someone out of **.

  Business response

  12/10/2024

  Please see attached response.

  Customer response

  12/10/2024

  I am rejecting this response because: This is the first I've heard about this debt. I have been in touch with ******* and this debt was never mentioned to me by them. ******* knows my situation, they know I have had medical problems after medical problems. They were sent all the documents they asked me for. This was to toward asking for a hardship. They agreed. I have no money, I do have my home and 2 cars both of which are over 2 decades old. We live paycheck to paycheck. Even less with all medical I've had to pay last 2 years. I'm not sure what I could do to show you. In the past 2 years I've had a knee replacement (not elective), Stroke, Spinal Stenosis, Neck fusion, ankle surgery, and the most recent a tumor removed from my left hear. If i decided to not remove it it would have either gone to my brain or paralyzed my face. As I'm still healing from that surgery. I have to find people to drive me 4 hours away for check-**** I also must have the right ear done as well. So I'm just not sure what else to do. I truly am sorry. 

  ****** Hinojosa 

  Business response

  12/11/2024

  Please see attached response.

• Initial Complaint

  11/19/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Scott and Assoc sued and had me garnished for a debt owed to *******************. From 6/18/24 - 9/24/24, eight checks were issued to the courthouse for Scott and Assoc. from my garnishment. Check totals and dates garnished: $364.************ $339.6907-02-2024 $368.1107-16-2024 $332.************ $351.0908-13-2024 $350.7008-27-2024 $347.7309-10-2024 $363.************ I called Scott and Assoc. and spoke with ***** ******* on 10-23-24, she advised that no payments were on file with them as being paid, and asked me to wait till 11-15-24 for the checks that had already been picked up to be deposited and processed. I called back on 11-15-24 and was unable to get through to anyone. I called back again on 11-18-24 and was informed that only a check in the amount of $265.99 had been applied to my account. I asked to be escalated and then spoke with ***** who made several excuses and dodged my question of asking him to verify that the checks had even been picked up from the courthouse by one of their lawyers (up until this point it had been suggested that *** hadn't properly issued them, that the court never handed them over etc.). After a brief hold, he informed me that their lawyer did sign for the eight checks and he asked me to give him 24 hours to review and to call him back. I called the *********************** and confirmed the above checks and amounts were received and signed for by Scott and Assoc. When I called ***** **** today to try and figure out what had happened, he kept telling me that they didn't have them and were at the mercy of the mail. But he couldn't explain the $265.99 being applied to my account. I let him know I would be filing complaints and he advised that I should "Seek legal counsel". I called ADP who confirmed only one check had been cashed for $363.85 on 11/15/24. At this point, a total of $2,818.72 has been paid and lost and I was told I could "Pay the entire balance and they could stop charging me interest."

  Business response

  12/03/2024

  Our Firm is currently investigating the concerns expressed by the consumer in their inquiry and requests additional time to respond. A final response will be provided as soon as the investigation is completed.

  Business response

  12/06/2024

  Please see attached response.

• Initial Complaint

  11/13/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I got an email from Scott and associates talking about a potential law suit for an old debt.. this debt was a loan and I could not make minimum at the time.. I called and got an extension but they sold the debt to a collector anyway. This email is talking about garnishing my wages and suing me outside of the window they are allowed to in the state of ***** in violation of my rights.

  Business response

  11/27/2024

  Please see attached response.

  Customer response

  11/27/2024

  I am declining this response because the payment options are not currently feasible for me. However, I would be willing to engage in further discussions to explore alternative options.

  Business response

  12/06/2024

  Please see attached response.

• Initial Complaint

  11/11/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have requested cease and desist numerous times I have told ***** fargo about the money and other business I have breathed in carbon monoxide and gone through h*** without any anyone taking my problems seriously so I will not be bullied and pushed like I'm doing something wrong in the Name and Authority of ***** ****** . What about my money I'm missing over $170,000.00 Thousand dollars No one is taking my concerns to heart or helping me . I'm literally going hungry and I'm not going to keep being tested God has the final say and I have the Victory in ***** name ???? ??

  Business response

  11/25/2024

  Please see attached response.

• Initial Complaint

  11/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Company has not sent out any information of debt or what this is about. I am being sued for a debt that is not mine or belongs to me. I want for this to judgement to stop as I do not know what this is about. Being sued for **************- account- 6139. ************************* is the plaintiff. ******* funding never attempted to contact me in regards to this issue. I would have resolved this issue with them since the beginning. I have not been provided when this account was opened. According to the letter it might have been in 2018. As by Texas Law the debt collector cannot validate the debt, they are required to stop collection efforts entirely also report any violations to the Texas Attorney Generals office or file a complaint with the ************************************ (****). If this does continue I will then seek legal action and proceed to File a Motion to Quash or for Protective Order. Statute of Limitations in *****:Also,Four Years: Texas law (Texas Civil Practice and Remedies Code, Section ******) sets a four-year statute of limitations for most types of consumer debt, including:Credit card debt Personal loans Medical debt Auto loans and certain other contractual debts.Once a debt is time-barred, a creditor or debt collector cannot sue you in court to collect the debt.However, they can still attempt to contact you and ask for payment, although they must follow strict guidelines and may not use harassment or deception.

  Business response

  11/12/2024

  Please see attached response.

  Customer response

  11/17/2024

  I am rejecting this response because:  I do not have recollection of said agreement nor have signed any form of documentation regarding a past debt. Also by Texas Law as you should know statut of limitations Time-barred debt.

  Section ****** of the Texas Civil Practice and Remedies Code- The statute of limitations on debt in ***** is four years. According to you're statement agreement was signed February 6, 2019 and in April 26, 2019, agreement was broken. Again, I was never served any documents nor have any knowledge of said debt. If I would have entertained this agreement I would have asked for debt validation before any agreement was made on my behalf. *************** never contacted me with any forms or documents proving or providing said debt. I have been a victim of identity theft and had several debt collection agencies contact me and I have resolved said debt attempts by providing police reports. I was never contacted nor given the chance for this to be resolved. Hence the reason I have made a statement again I am not paying a debt that does not belong to me. The reason for me asking validation of debt. I am NOT admitting to debt. 

  You all are the only debt collection agency "attorneys" not willing to provide debt validation detailed as requested. 

  This is the reason I am rejecting this response.

  Thank you and will wait for a rapid response to this request. Or CEASE and DESIST all judgements against me if not validation provided detailed with all proof of payments or credits and or form of identifications provided for attaining said credit. 

  Thank you 

  Business response

  11/20/2024

  Please see attached response.

  Customer response

  11/22/2024

  I am rejecting this response because:   I am submitting the *** identity theft report and police report filed. I donwish we can have this resolved, as I have stated I am not the owner nor have I ever agreed to said debt. I have been a victim of identity theft dating back to 2010 and ever since, I have had debt collectors call regarding debt and have had issues resolved quickly. On the other hand I have never heard or have I ever acquired a care credit bank account. I don't know what this care credit is about or what it is used for. I have stated before I am not paying a debt that it does not belong to me. 

  Please reconsider and review attached files. I will wait for a response regarding this issue and a letter hoping this is has been resolved and removed from any collections. 

  Thank you.

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