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:01/16/2025

  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.

  Dear BBB Representative,I am writing to file a complaint against Theorem Grantor Trust 2022 3 and their legal representatives, Blitt & Gaines, P.C., due to unresolved concerns about their debt collection practices regarding Case Number ***********. Their actions have raised significant issues that I believe require intervention to protect my consumer rights.**Issues Presented:**1. **Incorrect Debt Calculation**:- The amount claimed is $14,069.27, which fails to accurately reflect the actual debt due. This includes apparent miscalculations and unauthorized charges not substantiated by provided documentation.2. **Lack of Contract**:- No signed contract exists that supports the extent of the legal claims. I have requested such documentation, but none has been furnished, putting into question the legitimacy of the debt.3. **Proper Service Failure**:- I have not been adequately served with full documents necessary to formally and fairly respond within court deadlines.4. **Failure to Address Requests**:- My numerous requests for clarification, documentation, and validation of claim legitimacy have remained unanswered or insufficiently addressed.

  Business Response

  Date: 01/21/2025

  Please see attached response.

  Customer Answer

  Date: 01/24/2025

   
  Complaint: 22822740
  
  I am rejecting this response because:
  
  To: Blitt & Gaines, P.C.
  ********************************************************
  
  **RE: Case Concerning **** ***** Response to January 21, 2025 Letter**
  
  Date: 01/24/2025
  
  
  Dear Mr. ********* and Blitt & Gaines, P.C.,
  
  This letter constitutes my formal response to your letter dated January 21, 2025, regarding the alleged debt owed to Theorem Grantor Trust 2022 3 and the subsequent lawsuit filed in the Circuit Court of ***********, *********
  
  Your letter asserts that a demand letter was sent to my previous legal representation, ******************** ****, on or about January 24, 2024, and that no response was received. I ended my relationship with ******************** **** in December 2023. Therefore, any communication sent to them after that date would not have reached me, and any claim of non-response is invalid given that the proper channels of communication were not followed after my change of legal representation. Your firm had a duty to verify my current contact information prior to initiating any legal action. The failure to do so constitutes a procedural deficiency.  Furthermore, I request proof of mailing, such as a certified mail receipt with return signature confirmation, demonstrating the letter's delivery.  The absence of such proof further weakens your claim of proper notification.
  
  Furthermore, I categorically deny any knowledge of or contractual relationship with Theorem Grantor Trust 2022 3. I demand immediate and complete validation of this alleged debt, including a clear demonstration of the origin and amount, along with copies of any contracts, agreements, or other documentation that purportedly support your claim. This information must be provided in accordance with the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g, which mandates that a debt collector provide validation of the debt within 30 days of a consumer's request. Your failure to provide this information within the statutory timeframe jeopardizes the validity of your claim.
  
  While I acknowledge that I was personally served with the lawsuit on October 30, 2024, and that I have responded to the summons, I reiterate my denial of the debt and demand the aforementioned validation. I have not yet filed a formal answer with the court pending receipt of the requested information. The court's failure to reflect my response does not negate my action.
  
  Your statement that you are dedicated to working diligently with consumers to promptly and amicably resolve their matters rings hollow given the apparent procedural irregularities and lack of proper notification in this case. Your failure to properly verify my current legal representation before proceeding with litigation, coupled with your failure to provide timely validation of the debt, raises serious concerns about the ethical and legal validity of your actions. Your claim of personal service doesn't negate the prior errors.
  
  I request that all future communications and documents regarding this matter be sent directly to me at the following address:
  
  **** *****
  ********************************************
  **********************
  
  Failure to provide the requested documentation, including proof of mailing of the January 24, 2024 demand letter, within seven (7) days of the date of this letter will result in further legal action, including but not limited to, a motion to dismiss the case and a complaint against Blitt & Gaines, P.C., for violations of the FDCPA.
  
  Sincerely,
  
  **** *****
  
  
  
  

  Business Response

  Date: 01/31/2025

  Please see attached response.

  Customer Answer

  Date: 02/11/2025

   
  Complaint: 22822740
  
  I am rejecting this response because:
  **** *****
  **************************************************
  **********************
  
  February 9, 2025
  
  RE: ID # ******** Complaint Against Blitt & Gaines, P.C.
  
  Dear BBB Representative,
  
  I am writing to formally respond to Blitt & Gaines latest response regarding my complaint. Their reply contains misrepresentations, contradictions, and missing key details regarding the alleged debt and lawsuit they filed against me.
  
  Key Issues with Blitt & Gaines Response:
  
  1. Failure to Provide Proper Debt Validation Before Filing a Lawsuit
  Blitt & Gaines never sent me a legally required debt validation letter before filing a lawsuit against me, in violation of the Fair Debt Collection Practices Act (FDCPA).
  On February 3, 2025, I contacted ******************** to verify whether they received any demand letter from Blitt & Gaines.
  Five Lakes confirmed they only received a notice on April 1, 2024, but it was not a debt validation letterjust a standard collection notice.
  Blitt & Gaines had no legal basis to initiate a lawsuit against me without first providing proper validation upon request.
  
  2. Inconsistent and Unreliable Debt Amounts
  
  Blitt & Gaines has presented multiple conflicting balances for this alleged debt:
  The lawsuit filed against me claims I owe $14,069.27.
  The April 1, 2024 letter from Blitt & Gaines states a balance of $6,737.04.
  The December 26, 2023 letter from ******************** states a balance of $5,448.89.
  The inconsistent figures raise serious concerns about the accuracy and legitimacy of this claim.
  
  3. Ownership of the Alleged Debt is Unclear Debt Has Been Sold Multiple Times
  The alleged debt has been passed through multiple entities, creating doubt about who actually owns it and has legal standing to collect it.
  According to the documents I received:
  The original creditor is *****************
  The debt was then assigned to ********************.
  Theorem Grantor Trust 2022 3 is now claiming to be the owner through Blitt & Gaines, yet no valid proof of assignment has been provided.
  Given these multiple transfers, I do not trust the legitimacy of this debt, nor do I recognize any contractual obligation to Theorem Grantor Trust 2022 3.
  
  4. No Proof of a Contract or Legal Standing to Sue
  I have never signed a contract with Theorem Grantor Trust 2022 3.
  Blitt & Gaines has not provided documentation proving they have the legal right to collect this debt.
  Their response falsely claimed I have not responded to their lawsuit, yet I filed my court response on January 17, 2025which they would know if they properly checked court records.
  
  My Request:
  
  Given these major issues, I am reaffirming my request that Blitt & Gaines:
  1. Provide full debt validation, including:
  A signed agreement proving I owe this alleged debt.
  A complete transaction history and breakdown of charges.
  Proof of legal ownership/assignment from **************** to Theorem Grantor Trust 2022 3.
  2. Explain why they are pursuing a lawsuit based on inconsistent and unreliable debt amounts.
  3. ******* why they initiated a lawsuit without providing proper validation and made misleading statements in their BBB response.
  
  I request that BBB keep this complaint open until Blitt & Gaines provides valid documentation proving their claim is legitimate. If they cannot, they should withdraw their case against me.
  
  I appreciate BBBs assistance in ensuring fair and transparent debt collection practices.
  
  Sincerely,
  **** *****

  Business Response

  Date: 02/12/2025

  Please see attached response.

  Customer Answer

  Date: 03/24/2025

  Complaint: ********
  
  I am rejecting this response because: I am writing to provide an important update regarding BBB Complaint #******** against Blitt & Gaines, P.C. and Theorem Grantor Trust ******. This update includes a change in my contact information, additional legal concerns regarding their actions, and a formal request for the immediate dismissal of any pending litigation against me.

  
  

  1. Email Change Unable to Respond Previously

  
  

  I was unable to respond to previous communications regarding this complaint because I no longer have access to my old email (***************************************).

  Please update my contact email to ********************* so I can receive future updates regarding this complaint.

  
  

  2. Debt Validation Failure FDCPA Violations

  
  

  Blitt & Gaines, P.C. and Theorem Grantor Trust ****** have failed to provide proper debt validation as required by the Fair Debt Collection Practices Act (FDCPA).

  The only document they provided is a Verification Request letter, which is generic and insufficient under 15 U.S.C. 1692g(b).

  It lacks critical legally required information, including:

  A signed agreement proving I authorized this debt.

  A bill of sale, purchase agreement, or assignment documentation proving Theorem Grantor Trust ****** legally owns the debt.

  An itemization of the alleged balance at the time of default to explain how the amount was calculated.

  
  

  Under Regulation F (12 CFR Part *******), debt collectors must provide adequate verification before continuing collection efforts. Their failure to provide these documents violates federal law.

  
  

  3. Identity Theft Debt is Fraudulent

  I have filed an FTC Identity Theft Report (attached) because I never opened or authorized this alleged account.

  I have only had one account with Upgrade, which has a $0 balance, and I have never had any other account with Cross River Bank.

  Attempting to collect a fraudulent debt is a violation of:

  15 U.S.C. 1692e (False or Misleading Representations) They are misrepresenting that I owe this debt without proof.

  15 U.S.C. 1692f (Unfair Practices) Attempting to collect on an unverified, disputed, and potentially fraudulent debt is unfair and unconscionable.

  
  

  4. Violation of Binding Arbitration Clause Breach of Contract

  
  

  The alleged debt agreement contains a binding arbitration clause, which states that:

  All disputes must be resolved through arbitration, not litigation or other collection efforts.

  The arbitration must be handled through the ******************************** (***) or JAMS.

  
  

  Blitt & Gaines, P.C. is ignoring this legally binding clause and improperly pursuing collection attempts outside of arbitration. By refusing to honor the contract, they are violating:

  The Federal Arbitration Act (FAA), which enforces valid arbitration agreements.

  The FDCPA (15 U.S.C. 1692f), as ignoring a contractual dispute resolution process is an unfair practice.

  
  

  I demand that they honor the arbitration agreement and immediately cease collection efforts outside of arbitration.

  
  

  5. Request for Immediate Dismissal of Pending Litigation

  Despite failing to validate the debt and ignoring the arbitration clause, Blitt & Gaines, P.C. is still attempting to collect this debt through litigation.

  Pursuing a lawsuit without proper debt validation is unlawful and constitutes continued violations of 15 U.S.C. 1692e and 1692f.

  I am formally requesting that Blitt & Gaines, P.C. dismiss any pending litigation against me immediately.

  
  

  6. Additional Potential Violations of State Laws

  
  

  Depending on the state where this lawsuit is filed, Blitt & Gaines actions may also violate state debt collection laws, which often provide stronger protections than federal law. If applicable, I reserve the right to pursue action under state law as well.

  
  

  Requested Actions from the BBB:

  1.Update my email to ********************* so I can receive future updates.

  2.Require Blitt & Gaines, P.C. and Theorem Grantor Trust ****** to properly validate the debt, including a signed agreement, bill of sale, and assignment documents.

  3.Ensure that they honor the arbitration clause and stop collection efforts outside of arbitration.

  4.Demand that Blitt & Gaines, P.C. dismiss any pending litigation against me due to their failure to provide proof of ownership or debt validity.

  
  

  I appreciate the BBBs assistance in resolving this matter and ensuring that Blitt & Gaines, P.C. complies with the law. Please confirm the update to my contact information and the status of my complaint.

  Sincerely,
  
  **** *****

  Business Response

  Date: 03/31/2025

  Please see attached response.

  Customer Answer

  Date: 04/07/2025

   
  Complaint: 22822740
  
  I am rejecting this response because: I am writing to formally respond to Blitt & Gaines March 31, 2025, reply to my complaint. I do not accept their response as a resolution, and I strongly dispute their claims.
  
  
  First, I was never properly served in this case. I only became aware of the lawsuit through third-party advertisements from law firms. Their statement that I was personally served in October 2024 is false, and I request proof of service that includes the time, location, and signature, as required by law.
  
  
  Second, Blitt & Gaines did not provide a proper debt validation before filing the lawsuit. Their letter admits they mailed a validation notice to a law firm I was not represented by at the time. I submitted a debt validation request in January 2025, yet they only attempted to validate the debt after initiating legal proceedings. This is a violation of the Fair Debt Collection Practices Act (FDCPA), which requires collection to cease until proper validation is provided after a timely request.
  
  
  Furthermore, they have failed to provide any original signed contract, proof of assignment from **************** to Theorem Grantor Trust, or a full accounting breakdown. What they call validation consists of vague balance statements without any supporting documentation that proves I owe this alleged debt.
  
  
  Blitt & Gaines also acknowledges that my account is flagged for fraud review, and that I have disputed the legitimacy of the account through the ***** Despite this, they continue to pursue legal action instead of pausing their efforts while the fraud claim is under investigation. That is unethical and concerning.
  
  
  To date, they have not responded to multiple motions I filed in court, including a Motion to Compel Arbitration under the Federal Arbitration Act. Their ongoing refusal to cooperate while litigation is active raises serious concerns.
  
  
  
  Sincerely,
  
  **** *****

   

• Initial Complaint

  Date:01/06/2025

  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 recently became aware through online court records that a lawsuit has been filed against me by your firm. I have not been formally served with any documents or received any written communication regarding this matter. As such, under the Fair Debt Collection Practices Act (FDCPA), I am formally requesting validation of the alleged debt. **Details of Alleged Debt**: - **Account Number**: [Unknown] - **Amount Claimed**: $3,838.54 **Court Case Information**: - **Case Number**: *********** - **Calendar/Division**: CVCR50205 - **Date Filed**: 07/12/2024 - **Court District**: District 5 To ensure my rights are protected and to clarify my financial obligations, I request that your office provide: 1. Validation or documentation proving that this debt is mine. 2. Detailed amounts claimed, including any fees or interest. 3. Documentation confirming your authorization to collect this debt. 4. The original purchase agreement or contract related to this account.

  Business Response

  Date: 01/20/2025

  Please see attached response.

• Initial Complaint

  Date:12/31/2024

  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.

  Blitt and Gaines are charging me an extra payment a month of $122.14 instead of the agreed upon amount of $170 in the 15th. They have lied multiple times about the payment plan options I had available to me. They are double dipping into my account and I did not agree to two payments a month.

  Business Response

  Date: 01/09/2025

  See attached.

  Customer Answer

  Date: 01/10/2025

   
  Complaint: 22750570
  
  I am rejecting this response because:
  

  When calling and speaking to a representative, they could not find the agreement terms for the $170 charged. That alone is irresponsible. By charging me twice on one check you have broken our terms of agreement. You also withdrew my account. You state in your response that the representative said I can go to court. You should listen to the phone conversation that was recorded because I asked several times if I should and she said "It is not criminal court. They will see you are in a payment arrangement with us and most likely dismiss the case." She did not advise me to go to court. She did not tell me if I did not go to court, I would get a default judgement. She said is wasn't criminal court and the judge would see I am making payments and rule from that. 
  Your representative that I spoke to recently, ********, has made me aware of a huge accessibility issue and honestly vague practice your website allows. ******** admitted over the phone that your website system automatically generates payment plans that are not compliant or at least are "not allowed" by the company collecting payments. An example he gave me was specifically that payment plans that extend 60 payments in 24 months are not allowed but the system will generate and allow users to sign up for such a plan. This is an accessibility issue for consumers, not only like me, but for someone less tech savvy. Rather than acknowledging and correcting this public website issue for payments, their representative dismissed this as a system flaw. 
  You breached our terms of agreement by charging me twice. You are being vague in your online practices to rely on users to make mistakes. I want my account charged off since you can't seem to give me accurate information or at least always vague information.
  
  I will see you in court with all my documentation on 1/23.

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

  Business Response

  Date: 01/14/2025

  See attached.

  Customer Answer

  Date: 01/14/2025

   
  Complaint: 22750570
  
  I am rejecting this response because:
  Youre not addressing your faulty computer system issue. You are allowing your representatives to give vague and misleading information. I believe a reason individuals are not showing up to court and getting default judgements is because the way your business is practicing. You allow users to agree on terms that are not valid through your public website. You have representatives giving false and misleading information to your consumers which puts them in bad standing with the court. Refunding me after you already broke our terms of agreement isnt addressing the issue this company has created with their vague and misleading company practices. Fix your website. Tell me how you plan to make sure your representatives wont be telling individuals they dont need to go to court if they are in payment plans. Youre not taking accountability on how your vague practices put the consumer at risk for more legal challenges because your representatives and computer software are vague and misleading. How do you plan to fix your computer system issue? How do you plan to make sure your representatives are not telling consumers they do not need to appear in court if they are in payment plans? Another thing. ******** said they could not be sure I would not be charged on the 17th. I also received a letter in the mail stating I would be charged on the 17th. It seems your lying in your responses on whether I will be charged in the upcoming months.  

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

  Business Response

  Date: 01/15/2025

  See attached.

  Customer Answer

  Date: 01/15/2025

   
  Complaint: 22750570
  
  I am rejecting this response because:
  
  You're repeating your response. That's not addressing my problems with your business.
  I am formally rejecting your response and demanding that the alleged debt be fully dismissed due to your firms mismanagement and breach of our payment agreement.

  1. Breach of Agreement and Unauthorized Charges: Your firm withdrew multiple payments without proper authorization, violating the terms we agreed upon. The $170 charge was unexplained by your representative, showing clear negligence in managing my account.
  2. Misleading Communication: Your representative misinformed me about the need to appear in court. Despite being told it was unnecessary, I chose to attend, preventing a default judgment. This misrepresentation could have caused serious legal and more financial issues for me.
  3. Non-Compliant Website Practices: Your representative admitted that your online system generates non-compliant payment plans, which is a serious accessibility and consumer protection concern.

  Due to these violations, and since you keep saying you are open to negotiation, I am requesting:

  1. Immediate dismissal of this debt.
  2. Removal of any negative reporting related to this account.
  3. Written confirmation of the debts dismissal.

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

• Initial Complaint

  Date:12/05/2024

  Type:Billing 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.

  Blitt and Gaines PC started garnishing my wages on an account balance of $2,800. I have now paid over $3,500 and on Monday of this week informed me that yes my balance has been paid in full with a $248 overage. They dragged their feet in filing the paperwork to stop the garnishment even though I have called in at least twice weekly for the past month and a half. I was garnished another $234 today and now the company is trying to say they never received an overpayment on my account even though one of their advisors had already told me there was an overpayment on a recorded line. After arguing with advisors for days, I was finally able to speak with a manager who then confirmed there is in fact an overpayment on my account but still could not give me time frame as to when my reimbursement would be sent to me. Throughout the course of my garnishment I kept a running balance and would periodically check with them as to what they had as my balance which has been significantly different every time. According to my records they in fact *** me over $700 total. But, they are only admitting to the $242. They have refused to let me speak with a manager multiple times as well as withheld information from me. I asked if I could come to their office and get my reimbursement check and was first told yes then within minutes they changed the location of the office where I would need to go (an extra 3 hours away) as well as telling me they could then guarantee my reimbursement in 30 days. When I pressed even further I was then told they would attempt to have it sent out in a week and they asked if my employer could then call them to end the garnishment. This company is negligent, rude, and a scam!

  Business Response

  Date: 12/18/2024

  Please see attached response.

  Customer Answer

  Date: 12/19/2024

   
  Complaint: 22646340
  
  I am rejecting this response because: I called the office of Blitt & Gaines on December 17th and was informed that they still had not sent out my refund and they were still unable to tell me when it would be sent or even a general time frame. Blitt &Gaines has also failed to report the current balance to the courts in all of my time dealing with them. 
  
  Sincerely,
  
  ****** ******

  Business Response

  Date: 12/23/2024

  Please see attached response.

  Customer Answer

  Date: 12/23/2024

   
  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:10/25/2024

  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 am not liable for a debt with **************************. I did not make a contract with Blitt and Gaines, P.C. Who are trying to collect on such debt. Under the **** I request a debt validation along with a cease and desist letter for the original contract with the collection company they didnt not respond. 

  Business Response

  Date: 10/28/2024

  Please see attached response.

  Customer Answer

  Date: 10/28/2024

   
  Complaint: 22476047
  
  I am rejecting this response because:
  
  To Whom It May Concern,
  
  
  In response to Blitt & Gaines, P.C.s statement, I would like to clarify several points. I do not acknowledge any liability for this debt with ***************************, and believe it was erroneously sold or assigned to ********************** without proper validation of my responsibility. The initial creditor, **** CANADA 2021 TRUST, allegedly charged off this account, and it is likely that the original debt was accounted for and possibly written off, particularly since I have filed Chapter 7 bankruptcy, which should discharge this obligation.
  
  
  Blitt & Gaines response implies they will respect the cease and desist request and proceed with debt validation, which is appreciated. However, I reiterate that any communication beyond debt validation, and steps necessary to ensure this account is marked as disputed, should cease entirely in alignment with the Fair Debt Collection Practices Act (FDCPA). This includes any potential reporting of this disputed account to credit bureaus without the validated debt or the original creditors involvement. The original creditor has likely received payment or insurance coverage after the charge-off, thereby potentially nullifying my alleged responsibility.
  
  
  Furthermore, I am requesting that this account not be reported as a valid, collectible debt on my credit report unless a legally binding and validated contract showing my obligation to pay ***************************, is presented. I also expect all legal documentation to reflect the original creditors discharge or settlement of the debt within my Chapter 7 proceedings.
  
  
  Thank you for your assistance in ensuring these matters are handled accurately and lawfully.

  
  Sincerely,

  **** ***** III

  
  

  Business Response

  Date: 10/28/2024

  Please see attached follow up response.

  Customer Answer

  Date: 10/28/2024

   
  Complaint: 22476047
  
  I am rejecting this response because:
  
  **** *****
  Blitt and Gaines, P.C.
  ***********************************************************************************************************
  
  
  Subject: Response to Debt Validation *************************************************** you for your recent correspondence regarding my dispute with *************************** (Crown) and the obligations surrounding the Fair Credit Reporting Act (****) and the Fair Debt Collection Practices Act (FDCPA).
  
  
  In reviewing your response, I would like to clarify the following points:
  
  
  1.Validation and VerificationRequirement:

  Despite your statement that Blitt & Gaines is not a data furnisher, your firm is listed as the reporting contact on my credit report in connection with this debt. As such, you are effectively acting as an agent for *************************** and, under the ****, are required to verify and validate the debt in response to my dispute.

  
  2.Proof of Legal Assignment or Ownership:

  I am formally requesting that Blitt & Gaines provide documentation establishing that ***************************, or your firm, has the legal right to collect this debt. This should include proof of assignment or ownership and any supporting documentation showing that this account was not previously settled or included in prior bankruptcy discharges.

  
  3.Compliance with **** and FDCPA:

  As I have not yet received sufficient evidence validating this debt, I expect Blitt & Gaines to fulfill its legal obligations under both the **** and FDCPA by providing complete and accurate documentation. If this validation cannot be provided, I respectfully request that this account be removed from my credit report, as inaccurate reporting can be detrimental to my financial standing.
  
  
  Please provide this information within the timeframe established by the ****. Failure to comply may result in further action, including a complaint with the ************************************ (****) and additional escalation, as necessary.
  
  
  Thank you for your attention to this matter. I look forward to your timely response.
  
  
  Sincerely,

  **** ***** III

  
  

  Business Response

  Date: 10/29/2024

  Please see attached.

• Initial Complaint

  Date:10/10/2024

  Type:Billing 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.

  An account with ******************** and Gaines law office was placed for collection from a company called TrakAmerica. The original creditor was ************* and it was a credit card debt. The account was taken to small claims court and the amount was paid in full. However, Blitt and Gaines is about 6 or so months behind in reporting the payments to ************* to settle this and clear if off my credit report. I have contacted Blitt and Gaines and they have told me they have nothing to do with this except collect the money. They informed that TrakAmerica is responsible for reporting the amounts to *************, TrakAmerica says that Blitt and Gaines is responsible for reporting the amount. The problem is that they can sue and collect and expect payments on time each month as required by the law. However, SOMEONE, cannot follow the law and report on a timely basis the amounts paid, resulting in a 6 or so month lag in payments. Again, this account is paid in full and should reflex accordingly on the credit report with *******************. I do feel that are violations involved in this struggle, and requesting that a reasonable amount be determined after the above companies figure out you is responsible for the incorrect reporting and run around on trying to get this settled. No person should have to wait 6 or so months for this reflect properly, when after 30 days an account is listed as late on the credit reports under normal situations. I have tried to and contacted both companies in an effort to get this resolved and pretty much get the run around and shoulder shrug from both companies.

  Business Response

  Date: 10/23/2024

  See attached.

• Initial Complaint

  Date:10/03/2024

  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.

  On September 19 ********************************************************************************* a number for Blitt and Gaines I called and was given two options to pay account I choose to pay electronically because I didnt trust caller - I made full payment plus processing fee electronically through their website and they only partially credited my full payment I still have a collection of $317 showing on my updated credit report- this company should be investigated for fraudulent charges and deceptive practices against consumers- plus bait and switch - balance should be $0 - immediately

  Business Response

  Date: 10/11/2024

  Please see the attached response.

  Customer Answer

  Date: 10/11/2024

   
  
  Complaint: 22374280
  
  
  
  I am rejecting this response because: Fair Debt Collection Practices Act (FDCPA) - we’re violate- No Overcharging: Debt collectors cannot charge you more than the amount you owe. $40 additional charges were paid to Blitt and Gaines 

  - Debt Disclosure: Collectors must inform you of the amount owed when they first contact you or within five days. I was never contacted by neither Absolute Resolutions nor Blitt and Gaines - 
  - Validation of Debt: If you dispute the debt, collectors must provide verification before continuing collection efforts. I paid the debt in full - no additional debt has been verified to me as being owed by no parties 
  - Prohibited Practices: Abusive, unfair, or deceptive practices in debt collection are not allowed. It’s unfair to take my hard earned money and to distribute it as you see fit - 
  - Right to Dispute: You have the right to dispute the validity of a debt. I’m disputing the claim that I owe you for any additional fees or expenses you incurred to get full payment of the known debt 

  Antwan Potts

  Business Response

  Date: 10/14/2024

  Please see attached.

  Customer Answer

  Date: 10/15/2024

   
  
  Complaint: 22374280
  
  
  
  I am rejecting this response because:
  

  it accurately reflects the facts of the case and doesn’t provide desired resolution.

  
  
  
  Sincerely,
  
  
  
  Antwan Potts

• Initial Complaint

  Date:09/23/2024

  Type:Billing 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.

  Starting about June of 2023 I received papers from Blitt and Gaines saying I owed Discover card *******. These papers looked like court papers and stated that they were going to garnish my wages. I can barely afford to survive now so I didn't want my wages garnished but I couldn't remember ever having a Discover card. I was wondering if an ex had got one in my name . I told them I was sure I didn't owe on a Discover plus nothing was on my credit report. I was so worried and didn't want my credit ruined I said I would pay ****** a month since I was trying to get a house. After further research I found that this Discover card account was sent to collections and Discover dismissed the case in June of 2011. I called Discover and they are not collecting this debt it was discharged over 12 years ago and the original amount was only ******* and this firm is trying to collect twice that from me some 13 years later. I want them to call it square because they violated my right that I was unaware of at the time by collecting on a bill more then 6 yrs old. in the state of ******* and they used deceiving, scaring tactics while I was in the middle of trying to buy a house. I recently asked for a debt validation letter and they just sent me old statements and again Discover card discharged this in 2011 and are not seeking payment anymore. Out of fright I started to pay and I want them to leave me alone at this point and call it fair since the amount they are illegally trying to collect is twice what was originally owed on an account I don't even remember having.

  Business Response

  Date: 10/07/2024

  Please see attached response.

• Initial Complaint

  Date:09/23/2024

  Type:Billing 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 not liable for this with *********************** I do not have a contract with Blitt and Gaines P.C., and they did not provide me with the original contract as requested.

  Business Response

  Date: 09/23/2024

  See Attached.

  Customer Answer

  Date: 09/23/2024

   
  Complaint: 22324350
  
  I am rejecting this response because: Dear BBB Representative,

  I am writing in response to the letter from Blitt and Gaines, P.C. regarding my complaint (ID *********. The letter contains incorrect information, as they have mistakenly referred to me as "Ms. ******** ******," which is not my name. I, ****** Mboumoh, have no contract or association with this law office, and I request that they cease all communication with me and stop sending letters to my property immediately. 

  Please update your records to reflect this correction and ensure that the firm is notified of their error.
  Thank you for your attention to this matter.

  Sincerely,
  
  ****** Mboumoh

  Business Response

  Date: 09/24/2024

  See attached.

  Customer Answer

  Date: 09/24/2024

   
  Complaint: 22324350
  
  I am rejecting this response because:

  ****** Mboumoh

  
  to 

  
  Blitt and Gaines, P.C.
  ***********************************************************************************************************

  
  RE: 

  
  To Whom It May Concern,

  Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act (*****), I have the right to request validation of the debt you claim I owe. I am requesting proof that I am indeed the party responsible for this debt and that there is a binding contractual obligation on my part to pay it.
  This is NOT a request for verification of my mailing address, but a formal request for VALIDATION pursuant to 15 USC 1692g Sec. 809 (b) of the ****** Please provide me with competent evidence of my legal obligation to pay this debt.

  
  If your office has or continues to report invalidated information to any credit reporting agencies (*******, Experian, ***********), it may be considered a violation of both federal and state laws. If any negative marks are found or remain on my credit reports by your firm or your client, I may take legal action for violations of the ***** and defamation of character.
  Please note that any action detrimental to my credit during this validation period may result in further consultation with legal counsel. If you fail to respond to this request within 30 days from the date of receipt, all references to this account must be deleted from my credit file, and I request a copy of such deletion.

  
  To fulfill this request for validation, I require the following information:
  Agreement with your client granting you authority to collect this debt.
  A signed agreement by me, showing that I agreed to pay the creditor.
  Any insurance claims made regarding this account.
  Judgments obtained by any creditor related to this account

  Full details of the original and current creditor, account number, amount owed, and payment history.

  Please provide the bonding agent details for Blitt and Gaines, P.C., should legal action become necessary. Thank you for your prompt attention to this matter.

  
  Best Regards,

  
  ****** Mboumoh 

  
  cc: ************************
  

  Business Response

  Date: 09/24/2024

  The Firm is in receipt of the Consumer's request for validation. The Firm will provide validation documentation in accordance with federal law.

  Customer Answer

  Date: 09/24/2024

   
  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,
  
  ****** Mboumoh

• Initial Complaint

  Date:09/05/2024

  Type:Billing 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 need to file a complaint on Blitt & Gaines PC. I am currently getting wages garnished. The garnishments are for credit card debt. I am currently enrolled with a debt consolidation company and have been for almost 3 years now. The accounts that are being handled through Blitt & Gaines PC were accounts that were enrolled with the debt consolidation company. Both accounts are ***************. *************** decided to not settle; therefore, *************** turned both accounts over to ******************** PA. I was not notified of the garnishments whatsoever. Also, I only work 12 to 24 hours per week. I can not afford this at all. I may very well become homeless, on account of these garnishments.

  Business Response

  Date: 09/17/2024

  See attached.

  Customer Answer

  Date: 09/20/2024

   
  Complaint: 22245720
  
  I am rejecting this response because these garnishments are completely unfair. I am working with a debt consolidation company. The creditor is to settle with the debt consolidation company. Instead, the creditor (***************) contacted an attorneys office, to have my wages garnished. I only work 12 to 24 hours a week. *************** would eventually get payment on my accounts that were to be settled through the debt consolidation company. It is a process.
  
  Sincerely,
  
  **** *********

  Business Response

  Date: 09/23/2024

  See attached.