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:03/02/2023

  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.

  Where do I begin. First of all, Blitt & Gaines is collecting a debt that was not owed to them and started the wage garnishment process a week or two before Covid 19 shut everything down. During the pandemic, there was an executive order in place preventing debt collectors from pursuing wage garnishment. However, this didn't stop them from taking me to court at least 3 times during the executive order, violating this executive order. It doesn't stop there. Right now, I am dealing with this incredibly unprofessional company because they have misplaced $1,146.51 of garnished wages. Despite my employer, ADP, and myself providing indisputable proof the funds were sent to them, they continue to essentially call me and my employer a liar stating they never received the funds. I have been dealing with this situation for a month now (on top of dealing with this gross company for close to 3 years). I do not appreciate the runaround and I didn't appreciate $1,146.51 being garnished during a pandemic, taken to court during a pandemic while an executive order was in place, and now having to involve my employer in this beyond shady situation. They continue to delay updating my balance and now I am seeking legal action against them.

  Business Response

  Date: 03/10/2023

  See attached response. Our investigation will continue until this has been resolved.

  Customer Answer

  Date: 03/14/2023

   
  Complaint: 19527003
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

  Customer Answer

  Date: 03/15/2023

   
  Complaint: 19527003
  
  I am rejecting this response because:

   

  I accidentally forgot to include my rejection reason when I rejected Blitt & Gaines response. Below is the response I meant to include.
  

  
  

  "Update: 3/14/23 -They still have no idea where the garnished funds are and now they are trying to say that maybe they were sent towards another judgement, THAT DOESN'T EXIST. Instead of just updating the balance they continue to present me with non helpful follow ups.
  

  
  

  "The firm is trying to discern whether these garnished funds were for
  payments made to our office and not for another reason, different judgment, or from another office"

  
  

  This company will lose your garnished funds and they make you go through h*** to clear things up. Even though I provided so much evidence, they continue to "investigate" when in reality, they need to update my balance immediately because they will not be receiving an additional dime once my actual balance has been paid. Furthermore, I have spoken to a lawyer and will be taking them to court for this massive blunder. I cannot believe what this company has put me through despite doing everything I was supposed to on  my end. Their Response to my BBB complaint was pathetic at best. "

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

  Business Response

  Date: 03/22/2023

  See attached response.

• Initial Complaint

  Date:02/02/2023

  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.

  this account was charged offCharge-off as apr 2021 due to never having this credit card this is on the actual experience credit report a company called blitt and Gaines has garnished my wages for this account this is fraud unlawful and I am in a hardship financially I am a federal employee taking care of a household of 5 this is wrong please help

  Business Response

  Date: 02/08/2023

  See attached response.

• Initial Complaint

  Date:01/30/2023

  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 called Blitt & Gaines three times as of today, to get a pay off statement to pay off two debts which they have judgements for. On January 26, 2023, they claim I requested a Validation of Debt which I did not. I requested that they listen to the phone call on January 26th, 2023, both representatives have refused. They have started a garnishment of my salary, hence it makes no sense for me to request a validation. They have refused to send anything out to me as a pay off statement, because they are collecting daily interest on an account that has been before a judge and rule on in their favor. They are now giving the run around so that they can continue collecting daily interest even though I would have been able to pay of the totals on these accounts as of February 1, 2023 if they would supply the pay off statements.

  Business Response

  Date: 02/07/2023

  See attached response.

• Initial Complaint

  Date:12/23/2022

  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 settled with them by paying it off the required debit regarding ************ They have my bank account freezed until next year. I'm a cancer patient that requires medicine, without access to my funds I can't even get my medication. They are will not notify court indicating that the debt has been settled and to release the freeze on my bank account.

  Business Response

  Date: 12/30/2022

  See attached response.

• Initial Complaint

  Date:12/06/2022

  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.

  Blitt and Gaines are basically hijacking me of my wages because of a stolen credit card number with *********** I was never properly served with papers all that goes on is finger pointing between these two and it is wrong I'm victim being treated like the criminal on this then they tell me they are going to make my life a living h*** and that's uncalled for they think this is funny I don't find this amusing at all they dont understand *********** called me to report the number stolen but you can't talk to these people ***************************** and Jan Gaines need to be held accountable for there actions and need to issue me a apology for this telling me they are going to make my life a living h***

  Business Response

  Date: 12/20/2022

  See attachment.

  Customer Answer

  Date: 12/20/2022

   
  Complaint: 18532720
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:12/05/2022

  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 was served court papers for a debt that I have disputed with the credit bureaus. I also noted in my answer to the summons that it is past the statute of limitations in my state and I would like them to cease trying to *** me or contact me. They sent me another court letter.

  Business Response

  Date: 12/09/2022

  See attachment.

  Customer Answer

  Date: 12/11/2022

   
  Complaint: 18529331
  
  I am rejecting this response because:
  I not only mentioned the statue of limitations but the fat that the account does not belong to me. My signature is not available anywhere. I have no knowledge of the account and have already stated that I have been fighting this with the credit beaures for some years do to the fact it is not mine. I am listed as a victim of identity theft and it was originally removed when it was under ***************** . Now this company law firm etc is trying to bring it back. please cease from contacting me. 
  Sincerely,
  
  *********************************

  Business Response

  Date: 12/12/2022

  Our office appreciate ********************** rejection and appreciate the opportunity to respond. As previously mentioned, our office made first contact with the consumer through the demand letter on August 15, 2022. ****************** filed her answer and our office received said answer on October 31, 2022. Since learning that the Consumer is on a do not contact/call list, our office has not attempted to speak with the consumer. The only communication has come through statutory required disclosures. These disclosures included account statements addressed to the same address where the Consumer was personally served. The consumer has not made our office aware of an identity theft. Our office would encourage the Consumer to contact us in an effort to resolve this issue.

  Customer Answer

  Date: 12/14/2022

  Now you have been made aware of the identity theft. That the company  you are representing has always known hence why it was removed previously from my credit account. I never signed up for any credit. Which was proven a long time ago but yet here we are back again with the same problem. 
  Complaint: 18529331
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************************

• Initial Complaint

  Date:12/02/2022

  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 placed a lien on both my single and my joint (with my wife) bank account REMOVING EVERY DOLLAR which leaves us penniless with 3 ********* for 2 weeks. I never received any summons or notification that they had even filed a lawsuit, so I had no ability to represent my case in court, and now they've put us in a precarious position for our health and wellbeing. I'm looking into the legality of filing suit without notifying, as I'm not sure that what they've done is even lawful, and since our autopays are trying to come out for our bills we are going negative and about to be hit with an excess of overdraft fees (I got paid yesterday, which is what we expect to live off of for the first half of the month as my wife is currently job seeking). Beyond that, this judgement is a severe hit to my credit report, and since we moved to ******* a month ago and are currently saving up for a rental this is also going to impact our ability to get housing.Reading the reviews on here it seems like this is far from uncommon for this lawfirm to engage in unsavory practices so it will be interesting to see if a class action suit ever ends up filed against them for their collection practices.

  Business Response

  Date: 12/12/2022

  See attached response.

   

• Initial Complaint

  Date:11/25/2022

  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.

  Blitt and Gaines pc is a debt collection attorney . I have been unemployed since the last time I was in contact with them. The company secretly filed a citation with cook county without notifying me to appear in court . Which resulted in my bank account being illegally frozen . Causing me to lose my job, And I dont have any money to travel to work . I got the information by going downtown myself to retrieve the it , the case is still open, my next court date is 11/30/22 9:30am . They are refusing to negotiate any type of settlement . If you read their reviews on ******* Im not the only one having this exact same problem with this company bullying illegal tactics . I need help . I am losing everything .

  Business Response

  Date: 12/05/2022

  See attached response.

• Initial Complaint

  Date:11/18/2022

  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.

  On or about 08/28/2022 I had a process server come and bang on my door, we were still sleeping, and so he proceeded to yell from out in front of my house my name over and over and over again, until someone came to the door, which happened to be my 18 year old daughter. She was scared by him and didn't even want to open up our security gate, but she was told she had to. When I figured out what was going on I contacted Blitt and Gaines via their website contact us page and did not hear anything from them for a week. So I contacted them again, and they acted like I was lying about the first contact. I tried to settle with them, but they wouldn't take any of my offers, of which I made 5 of them. So they went to the court to file a notice to file a default judgement. I asked them to verify the debt with something showing my signature and all they could send me were some statements that showed the balance on it, nothing proving it is my debt as this is from 2008 and I don't remember opening this account. But I am trying to give the benefit of the doubt and offer a settlement. I have not worked in over a year, so I don't have much money and I am willing to make payments, but they don't seem to want to work with me. They keep telling me to make them an offer and each and every time I do, they just come back with the exact same thing that they have been trying to get me to pay without even considering my offer. Now they have been calling me, and when I try and call them back, I don't get an answer. I don't know if these people are real lawyers or not, but they sure are not professional, or considerate.

  Business Response

  Date: 11/28/2022

  November 28, 2022
  Our office is in receipt of the complaint forwarded on November 19, 2022, on behalf of ************ and appreciate the opportunity to respond to this complaint. 
  We have reviewed the complaint and our internal file in an effort to resolve the complaint.  ************ initially expressed concerns with a process server yelling her name repeatedly until her daughter allowed access and accepted service of process. ************ further alleges that she presented a number of settlement offers to our office and that we have not been considerate of her circumstances in trying to resolve the outstanding balance. ************ further states that we have not provided satisfactory verification of the debt.
  A review of our records indicates that ************ opened a Citibank, N.A. credit card account on September 30, 2012.  The account was charged off on December 17,2017. After all payments and credits were applied a balance remained due and owing in the amount of $2,138.77.  On March 30, 2022, Ms. ***** account was assigned to Cavalry SPV I, LLC, the current creditor.  On July 5, 2022, our office sent ************ our initial communication indicating our representation of Cavalry SPV I, LLC.  On August 25, 2022, our office filed a summons and complaint that subsequently was served upon ************ September 4, 2022. 
  It is important to understand the process servers utilized in these cases are vendors who control their own day-to-day operations, are independently licensed, bonded and regulated.  They do not work at our direction other than to attempt service at our request. On September 7, 2022, ************ communicated with our office via email expressing concern that she did not hear back from us a week earlier when she was seeking to resolve the account. Our review of our records did not reflect any prior emails from ************ and we apologized if we missed anything. Our office requested that ************ complete an income and expense form in order to consider a settlement for less than the full balance due and owing on the account. On September 20, 2022 ************ returned the form but responded that she did not have any proof whether or not the debt was hers.************ stated that we were unable to show any documentation with her signature. On September 23, 2022 we sent ************ correspondence verifying the debt as well as the bill of sale indicating the current debt to whom the debt is owed. The account in question is a credit card and therefore it is use of the card that establishes the underlying agreement and not a signed application for credit. Our office and ************ have continued settlement talks over the past few months but have yet to reach an agreement. As the parties have yet to reach an amicable resolution, it is our clients right to pursue a default judgment.
  ************ can contact our office at our toll free number above to discuss further resolution of this matter. 
  
  
  Sincerely,
  *******************
  775 ***************************************************************************

  Customer Answer

  Date: 12/01/2022

   
  Complaint: 18438030
  
  I am rejecting this response because: This did not resolve anything, number one, all they did was put blame on someone else. And number two their information is inaccurate. That account was not opened in 2012 it was opened in 2008, which is why this debt is not owed since it is past the ******* Revised Statue of the six year limitation. But I have been trying to get this off my credit report and I have been trying to resolve this account, but each and every time I offer them a settlement they automatically reject it without even a consideration, which is what they asked me to do. Since I have been negotiating they have continued to pursue legal action against me regardless of the "deadlines" they give for their "offers". I am at a loss of what to do at this point other than expose them for the type of "business" they are.
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 12/08/2022

  Our office is in receipt of the additional information submitted by ************ in regards to our prior November 28, 2022 response.Ms. ***** initial complaint was forwarded on November 19, 2022, and we again appreciate the opportunity to respond. Fortunately, I believe that our office has just reached an amicable resolution with ************.

  
  We have reviewed the complaint and our internal file in an effort to resolve the complaint.  ************ states that her account was opened in 2008, which puts this debt beyond Arizonas statute of limitations. However,our client provided information to our office that the account at issue originated on September 30, 2012. As to the consumers question regarding the ******* Statute of Limitations, a review of Arizonas statutes will provide clarity. In *******, the Statute of Limitations on a credit card debt is six (6) years from the date that the cause of action accrues. A.R.s ****** A. 2.The cause of action accrues from the date of the first uncured default on the account. Ms. ***** account was charged off in December of 2017. As such, the Statute of Limitations to file the current lawsuit would be in 2023. This lawsuit was filed on August 25, 2022. As such, the Plaintiff is well within the statute of limitations on this cause of action.
  ************ has stated her frustration in regards to settlement discussions. However, I believe that we have now reached a fair settlement to resolve this account. An offer from *********** for less than the full balance owed was considered and accepted by our client just this week. As such, a proposed settlement offer letter has been tendered to ************ to resolve this matter.
  ************ can contact our office at our toll free number above to discuss further resolution of this matter. 
  
  
  Sincerely,
  *******************
  775 ****************************
  ************, ** 60061

• Initial Complaint

  Date:11/02/2022

  Type:Order 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.

  ***** and Gaines filed a lawsuit to collect a debt. I received no notice of the claim or lawsuit. They then had a lien put on my bank account. I contacted them and resolved the debt immediately. Now 15 days later lien is still not removed. I called and they stated 14 day they send notice for lien to be released. I contacted them on day 15 they stated it was still being resolved. I replied I have contacted a lawyer. Its unfathomable to place a hold for 15 days past the date they received payment.

  Business Response

  Date: 11/11/2022

  Please see attached response. 

  Customer Answer

  Date: 11/13/2022

   
  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,
  
  *************************