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:04/14/2025

  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.

  This company will send out notifications to call them then ignore all attempts made to contact them so they can move forward pushing me to bankruptcy. If they contact you document everything because payments made disappear from the website and they will not respond if you ask them to contact you back.

  

  Business Response

  Date: 04/23/2025

  Stenger & Stenger, P.C. is in receipt of your BBB complaint # ******** in which you have indicated that Stenger & Stenger has ignored your contact attempts, that payments disappear from the website, and that Stenger & Stenger will not respond if you request the firm to contact you.
  
  Stenger & Stenger has noted your request for a call back and will attempt a phone call to the phone number provided. Stenger & Stenger received a prior request for contact via a voicemail in March; however, the phone number that the firm used was outdated and Stengers return call was unsuccessful. Additionally, as you indicate issues with payments made, Stenger & Stenger will mail you letters outlining the balance for each account that is placed with Stenger, including the credited payments Stenger & Stenger has received to date. Furthermore,Stenger & Stenger has noted your account with a balance dispute and has submitted the dispute to the creditor of the account for further review. At the conclusion of the creditors investigation, they may send you additional correspondence. Lastly, while hold times may vary depending on call volume,Stenger & Stenger is available by phone at the below referenced number should you want immediate answers to any questions you may have. Stenger &Stengers standard customer service hours are Monday through Friday 8:00am 6:00pm EST. If you have any further questions or would like to discuss, please do not hesitate to contact our office at **************.  Regards, Stenger and Stenger, P.C.

• Initial Complaint

  Date:04/09/2025

  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.

  Earlier this year I became my *************** and medical POA. I have been trying to resolve his debt with Stenger and Stenger since the end of December. I needed to sell my Dad's house in order to get him the care that he needed due to decining health. I had to get this resolved before closing which was at the end of January. I called Stenger and Stenger, sent them my POA paperwork and then the insanity began. Everytime they stated they would send the payoff amount to the title company, they came up with another thing I needed to do. They failed to follow through on sending the pay off amount to the title company 8 different times. We ended up having to keep $20,000.00 in escrow to cover this debt in order to close on the house. This was dire for my Dad as he needed to be in a skilled nursing home. The cost a month was $10,000 plus and we needed to move forward with the sale. The money is still in escrow and we have yet to get any coorperation in paying this debt off. My Dad has sense passed away and still canot settle his affairs due to this debt. I am trying to pay my Dad's debts and settle his affairs. My thought and best guess is they are accuring interest everyday this is not paid and that is why they will not give me the payoff amount

  

  Business Response

  Date: 04/17/2025

  Stenger & Stenger, P.C. is in receipt of your BBB complaint # ******** in which you have indicated that you have been attempting to get a payoff letter from Stenger & Stenger since December of 2024 for an account belonging to your father, but you have not received the letter despite several requests, and Stenger & Stenger continues to advise that they require additional items before sending the letter. Additionally, you indicate that you believe Stenger & Stenger is accruing interest every day that the debt is not paid, and that is why the firm will not give you the payoff amount.
  
  Please note that Stenger & Stenger has emailed a payoff letter to the attorney who represented the Defendant in the underlying case, *. **** *****, with the request he correspond with you and/or the title company, as necessary. Please bear in mind that in order to supply the documentation requested, Stenger & Stenger requires authorization from the proper party in order to send the respective document.The requirement for authorization is for the protection of all parties. When an attorney is representing a debtor, the relevant laws governing the collection of debt require that all communication must go through the attorney. On this account, ********************** & Stenger worked with the above referenced attorney in the past, and, while Mr. ***** authorized us to speak with you in January of 2025,the firm does not have record of consent to send documentation or otherwise a revocation of the attorneys representation. If you have any further questions or would like to discuss, please do not hesitate to contact our office at *************.  Regards, Stenger and Stenger, P.C.

• Initial Complaint

  Date:04/04/2025

  Type:Sales and Advertising 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.

  Stenger and stenger is an attorney office/ debt collector. I had an account go thru there business where they garnished me. I reached out to the company explaining I had no clue about it, they let me set up a payment plan and stated they would Stop the garnishment. Instead paid $500 down for them to stop the garnishment. And agreed to pay $250 biweekly starting 4-4-2025. They claim they taxed the stop garnishment to ny employer. However, today is pay day and they garnished again plus took the $250 payment. My account is now overdrawn. When I call Stenger and Stenger. Their response to me was well we faxed it. I dont know what to tell you. How are they allowed to receive double payment when we agreed to the arrangement? I requested they fax the release again. The representatives response was well whats the fax#. So I told her. She said yea thats where it was sent. So she claimed she would fax again but advised couldnt control if my employer received or not. I requested confirmation that it was being handled and she said she couldnt do that. Then hung up on me.

  

  Business Response

  Date: 04/11/2025

  Stenger & Stenger, P.C. is in receipt of your BBB complaint # ******** in which you have indicated that you set up a payment plan with Stenger & Stenger with the assurance that the garnishment would stop, but you still have been garnished, and that when you called Stenger & Stenger you were advised a release of the garnishment had been faxed to your employer but would be faxed again, and that your desired outcome is for a refund.  
  
  Please note that the Garnishment Release for this case was sent to the Court on or about April 1, 2025, and the Court entered the Garnishment Release on April 7, 2025. Additionally, a copy of the Garnishment Release has been mailed to your employer by the Court and Stenger & Stenger has sent your employer a copy of the Garnishment Release via fax. Stenger & Stenger has faxed the release to your employer again pursuant to your request, but please bear in mind that Stenger & Stenger has not received any funds from the garnishment; if your employer has garnished your check, they would have been instructed to send the garnishment funds to the Court. The Court would then hold onto the funds before releasing them to the respective party. With the Garnishment Release entered by the court on April 7, 2025, any funds the court receives in relation to this garnishment should be returned to you or your employer; however, you will need to contact the court if you require additional information as to the Courts garnishment processes. If you have any further questions or would like to discuss, please do not hesitate to contact our office at **************.  Regards, Stenger and Stenger, P.C.

  Customer Answer

  Date: 04/11/2025

   
  Complaint: 23161804
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** *********

  As of 4/11/2025 - my employer has still not received notification of Release of garnishment. My employer has already taken 2 payments, and is set to take another on the 18th. Therefore, the payment arrangement set-up with this company needs to be stopped until the RELEASE is complete. I've made several attempts to call the company, they are rude, and all they say is its already been faxed, or well we will fax it again. No one seems to have any urgency in the matter. While I understand the money should be returned. No one can tell me when that will be done. I do not have to funds to pay both. This needs to be stopped immediately. I sent my employer a copy of the RELEASE, however they stated it must come from the company or the court. We made arrangement on 3/20/2025. It is now 4/11/2025. Still with no resolution, other than taking my money. The account in question was not even mine, as I had requested proof of the original contract. However, I cannot afford to be garnished, hints the reason I reached out to have the garnishment stopped. Do people normally have to wait 30 days for turn around. If the arrangement was made on 3/20/25 - why wouldn't the garnishment have been sent that day. Why did the company wait 11 days to send? 

  

  Business Response

  Date: 04/17/2025

  Stenger & Stenger, P.C. is in receipt of your BBB complaint # ******** in which you rejected Stenger &Stengers initial response, and indicate that as of 4/11/2025 your employer has not received the garnishment release, that you would like the payment plan stopped until the garnishment release is finalized, that when you call Stenger &Stenger, the call agents are rude, and question why the garnishment release would not have been sent the same day on which you made the payment arrangement.
  
  Pursuant to your request, Stenger & Stenger will not process the payment scheduled for April 18, 2025, in the event your place of employment has still not processed the Garnishment Release.The next payment is currently scheduled for May 2, 2025. If your place of employment still has not received the release documentation from Stenger or the Court, please call Stenger & Stenger at the below referenced number several days prior to the date payment, and the firm can attempt to resend the release via an email or alternative fax number, if available. Please bear in mind that legal documents such as a Garnishment Release must go through a review process and require a signature from an attorney and cannot be processed on the same day. Stenger & Stenger will review your calls with the firms call representatives, but please note that the garnishment release has been entered with the court, mailed to your place of employment by Stenger and the court, as well as faxed to your place of employment several times. As such, the firm call agents can only continue to advise that we will resend the release via the fax number you have provided. Lastly, Stenger & Stenger is unable to advise when you will receive the garnished funds back considering the firm has not been in possession of any garnished funds. The Court may be able to provide you with additional information regarding the status of these funds. If you have any further questions or would like to discuss, please do not hesitate to contact our office at **************.  Regards, Stenger and Stenger, P.C.

• Initial Complaint

  Date:03/20/2025

  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.

  So on March 20. 2025 Stenger and Stenger contacted me in regards to my father and I spoke with the gentlemen that called me by the name of Colluer and I told him that my father isn't able to speak to him as he is in hospice and he is terminal lung cancer and he could pass away at any moment and I asked him for proof of debt or some form of debt validation because that way I could see how much is owed and try to set up an arrangement or something and he refused.

  

  Business Response

  Date: 03/28/2025

  Stenger & Stenger,P.C. is in receipt of your BBB complaints ******** and ********, in which you have indicated that you spoke with Stenger & Stenger on March 20, 2025, and advised the firm that your father is in hospice and requested proof of the debt, but the Stenger & Stenger call agent refused and advised that Stenger & Stenger could not speak with you without permission from your father.Additionally, you request contact from Stenger & Stenger in order to set up an arrangement to pay on the account on your fathers behalf, or otherwise write off the debt and cease attempting to collect from your father in hospice.
  
  Please note that the laws governing the collection of debt require authorization from the account holder in order to discuss the account with a third party on the behalf of the account holder. Unfortunately,without verbal or written authorization, Stenger & Stenger is legally barred from discussing the details of the account with you. As you have indicated that your father is in hospice and unable to provide authorization,Stenger & Stenger has noted the account for hardship review. Sending Stenger & Stenger any documentation regarding the hardship circumstances of the account holder would assist in the hardship review. Please also note that Stenger & Stengers records indicate the firm previously spoke to the spouse of the account holder in December of 2023, following their verification of the account holders information. Provided proper verification of the account holders information, Stenger & Stenger is legally permitted to discuss the account with the spouse of the account holder. Regards, Stenger and Stenger, P.C.

• Initial Complaint

  Date:03/17/2025

  Type:Sales and Advertising 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 received a document stating that I can dispute all or part of my debt by Nov 1, 2024, but did not receive the document the beginning months of 2025. Also, the date states the document was made was September 22, 2024, but the address listed was not on file until October of 2024, maybe November. I can put a request with **** to find out the date. This is all incorrect information and intentionally misleading and deceptive, to the point where I had no chance to file it and deliberately took advantage of someone with no legal knowledge. I do not know who I am supposed to pay if I were to pay as there are 2 businesses listed.

  

  Business Response

  Date: 03/26/2025

  Stenger & Stenger, P.C. is in receipt of your BBB complaint # ********, in which you have indicated that you did not receive Stenger & Stengers initial notice letter until the beginning months of 2025 despite the letter being dated September 22, 2024, and requesting a response by November 2024, that the incorrect information is intentionally misleading and deceptive to take advantage of someone with no legal knowledge, that you do not know who to pay with two business listed on the letter, and that you request no further contact from Stenger & Stenger and a correction to your credit report.
  
  Stenger & Stenger represents the owner and current creditor of the account, ****************, in the collection of the overdue account. Additional details regarding the account and original creditor are listed on the initial notice letter attached to your complaint;furthermore, as indicated at the bottom of the initial notice letter, any payment(s) toward this account can be made payable to Stenger & Stenger,P.C. Please also note that Stenger & Stengers records indicate that the initial notice letter was placed in the mail as addressed on or about September 25, 2024. As you have indicated that you only recently received the letter in the beginning months of 2025, Stenger & Stenger will handle your BBB complaint as a response to the initial notice letter and hold further legal actions and, instead, may send you additional documentation regarding the account. Please also note that Stenger & Stenger is not a credit reporting agency and cannot speak on behalf of its client regarding the reporting of this account to the credit bureaus, if any. Lastly, as you request no further contact from Stenger & Stenger, the firm will notate your account with a request for a cease of contact. If you have any further questions or would like to discuss, please do not hesitate to contact our office at *************.  Regards, Stenger and Stenger, P.C.

  Customer Answer

  Date: 03/27/2025

  Stenger & Stenger says the mail was sent out on September 25, 2024 according to their records. This does not explain how they got the address because I had not moved in there at this time. I had only updated the address towards the end of October or beginning of November. 

  Customer Answer

  Date: 03/27/2025

  Is this debt bought by Stenger & Stenger. Stenger & Stenger calls **************** client. Why would the debt be paid to them and not ****************? 

  
  

• Initial Complaint

  Date:03/13/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with *****************. I do not have a contract with Stenger and Stenger. They did not provide me with the original contract as requested.

  

  Business Response

  Date: 03/19/2025

  Stenger & Stenger, P.C. is in receipt of your BBB complaint # ********, in which you have indicated that you are not liable for this debt, that you do not have a contract with Stenger & Stenger, that you did not receive an original contract as requested, and that you would like a correction to your credit report. Please note that Stenger & Stenger is not a credit reporting agency and cannot speak on behalf of its client regarding the reporting of this account to the credit bureaus, if any.Additionally, Stenger & Stenger is not the creditor of this account, but represents **************** in the recovery of the overdue account. ********************** & Stenger does not have record of a prior request for documentation;however, the firm will note your request made via this BBB complaint and provide you with documentation regarding this account to assist you in verifying the validity of the account. Lastly, the firms records indicates that you called Stenger & Stenger on February 28, 2025, and set up a payment plan arrangement to pay the account off, with a down payment paid on February 28, 2025, followed by monthly payments commencing on March 31, 2025.If you have any further questions or would like to discuss, please do not hesitate to contact our office at **************.  Regards, Stenger and Stenger, P.C.

• Initial Complaint

  Date:02/28/2025

  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 am writing to formally request the assistance of your office in addressing ongoing communications and collection attempts from ***************** regarding an alleged debt they claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act (FDCPA) (15 U.S.C. 1692 et seq.) and applicable Georgia state laws, I am demanding that **** Funding immediately cease and desist any and all further contact regarding this alleged debt, including but not limited to collection calls, letters, or reporting to credit bureaus, until proper validation and documentation are provided.Additionally, I am formally requesting the following documentation to substantiate **** Fundings claim of ownership over the alleged debt:1. A Forward Flow Agreement The contractual agreement that governed the purchase and sale of this alleged debt.2. A Complete Chain of Assignment A full and unbroken record of all transfers of ownership of the debt from the original creditor to ******************3. A Purchase Agreement The specific agreement between ***************** and the prior creditor that evidences their legal right to collect on this alleged obligation.Without these documents, **** Funding, LLC lacks legal standing to enforce collection, and any continued attempts to do so may constitute a violation of federal and state consumer protection laws, including but not limited to: The Fair Debt Collection Practices Act (FDCPA) The Fair Credit Reporting Act (FCRA) The Georgia Fair Business Practices Act (O.C.G.A. 10-1-390 et seq.)If ***************** is unable to provide the requested documentation within 30 days, I expect the alleged debt to be considered null and void, and any negative reporting related to this account to be removed from my credit reports.Failure to comply with this request may result in legal action, including formal complaints to the ************************************ (****) and additional legal remedies as provided by law.

  

  Business Response

  Date: 03/07/2025

  Stenger & Stenger, P.C. is in receipt of your BBB complaint #********, in which you have demanded an immediate cease and desist of all further contact and credit reporting regarding this alleged debt, and that you are formally requesting documentation from **** Funding to validate the debt, including the Forward Flow Agreement, Complete Chain of Assignment, and a Purchase Agreement, and that without these documents, **** Funding lacks sufficient standing to collect on the debt and continued attempts may constitute violations to the ****** ****, and Georgia Fair Business Practices act, and should **** Funding fail to provide the requested documentation, you expect the alleged debt to be considered null and void and removed from your credit reports, and failure to do so may result in further legal action.
  
  Stenger & Stenger has noted your request for a cease and desist of all contact regarding the alleged debt, and forwarded LVNV a copy of your complaint, along with your additional validation request.  Please note that Stenger & Stengers records indicate that letters from the firm containing documentation to validate this debt have been mailed to you on or about January 17, 2025, and February 13, 2025. These letters included account statements, the application, and the Cardholder Agreement. Additionally, the complaint that Stenger & Stenger filed with the court and served to you on November 13, 2024, included these documents, as well as the Bill of Sale and Assignment of Accounts. ********************** & Stenger believes these provided documents are sufficient for you to validate the alleged debt; however, the firm will note that you are requesting further validation documentation. Lastly, please note that Stenger & Stenger is not a credit reporting agency and cannot speak on behalf of **** funding regarding the reporting of this account to the credit bureaus, if any. If you have any further questions or would like to discuss, please do not hesitate to contact our office at **************.  Regards, Stenger and Stenger, P.C.

• Initial Complaint

  Date:02/19/2025

  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.

  *********************************************** hold a debt for ************************* for account *********, in the amount of $2,893.09 for my wife, ******* *****-******. We are refinancing the mortgage on our house to pay off all of our debts and collections. The credit union needs payoff letters for all of our debts, both mine (***** ******) and my wife (******* *****-******). We have secured payoff letters for every other account but this one. At first, we were told it would take 7-10 days to be emailed a payoff letter. Sometime, while we were waiting, someone at *********************************************** put on the account that we were represented by an attorney, ***** *****. We did not hire nor authorize legal representation. Now, they refuse to talk with us about our own debt and state they will only talk the attorney (that is not representing us). They said they need a revoke letter from the attorney to speak with us. Another representative said that the attorney could just call and be recorded saying that she is not representing us. The attorney called and also sent a letter stating that she is not representing us and that they can speak to us about ********* debt. We just need a payoff letter with the amount, account number, name, and where to send payment for the credit union so we can close the mortgage refinance loan. We have called every day trying to resolve this. I negotiated settlements with our other creditors, but those settlements are only good through February 28th and we are now in jeopardy of losing our refinance loan, which will mean Chapter 7 bankruptcy and losing our home. I just want the payoff letter to avoid that and I would really like to get consistent information from *********************************************** and not different and varying information by every single representative that we talk to.

  

  Business Response

  Date: 02/27/2025

  Stenger & Stenger, P.C. is in receipt of your BBB complaint #********, wherein you indicate that you need a payoff letter for a loan refinance, but Stenger & Stenger added an attorney to your file and has advised that any further communication must go through the attorney. 

  Stenger & Stengers records indicate that a payoff letter was sent for this account balance via email on February 19, 2025, to the attorney that we show as your representation. Please note that in compliance with the ****** once Stenger & Stenger has received notice of attorney representation, all communication must go through the attorney. While you indicate that you did not hire or authorize legal representation, Stenger & Stenger received a letter dated January 23, 2025, from an attorney who stated that ******* *****-****** is their client, and that she had concerns with the validity and accuracy of the debt(s) being pursued.  This letter constitutes a notice of attorney representation and is why Stenger & Stenger advised that further communication must go through the attorney. You also noted in your complaint that the attorney called Stenger & Stenger and sent us a letter confirming that the attorney is not representing you, and that the firm may speak to you regarding the debt. Please note that Stenger & Stenger received consent from the attorney to discuss the account with you and your wife via a February 18, 2025 email; however, the firm has not received a call or letter confirming the termination the attorneys representation. Stenger & Stenger also spoke with the attorney on February 18, 2025, in which they requested a payoff letter be sent, but again, did not advise of any termination of their representation. The firm has not heard from you or the attorney since the payoff letter was emailed and considers the payoff letter issue resolved. If you need an additional copy, or if you any further questions or would like to discuss, please do not hesitate to contact our office at **************. 

   Regards, Stenger and Stenger, P.C. 

  Customer Answer

  Date: 03/03/2025

   
  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:02/07/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In November 2022, I was scammed out of $3500 from a *************** credit card. I disputed this and had several problems doing so. I filed a complaint against ******** with BBB and they claimed they were not perusing any collection on me. I then received a notification from Stenger and Stenger and I disputed this debt and provided supporting documentation, i.e., copy of the police report, notes when I reported I was scammed. I then received a summons in July 2024, and I responded. A court date was set for September 23, 2024. Around August 24, 2024, I received a letter and a proposed Default Request, Entry and Judgement and Taxation Costs. The document stated because of a failure to report to court. How can I fail to appear for a court date that is the future???? In addition, prior to the court date, then sent me a new document, dated September 9, 2024 informing of this **** and giving me a chance to dispute it. Remember the court date is September 23, 2024. I went to court and the attorneys did not show up, even when the court contacted them and gave them an opportunity to appear through zoom and they did not. The case was then dismissed. In January, this year, I received a letter dated December 11, 2024, regarding a proposed Default Request, Entry and Judgement and Taxation Cost, electronically signed on 1/9/25 for a case that no longer exists. This is intimidation/harassment. I have tried to talk to the attorney listed on the documents but cannot even talk to a person. This needs to stop now!

  

  Business Response

  Date: 02/17/2025

  Stenger & Stenger, P.C. is in receipt of your BBB complaint #********, in which you have indicated that you notified Citibank and Stenger & Stenger that this debt is the result of fraud, but you received a summons for this matter in July of 2024, to which you filed an answer to, but Stenger & Stenger filed a request for default judgment after you answered the lawsuit, failed to appear at a September 23, 2024, hearing, and then filed a second request for default judgment in January of 2025, after the case had been dismissed in September. Furthermore, you indicate that this is intimidation and harassment, and you have tried to speak with the Stenger & Stenger attorney but have been unable to do so. Please note that Stenger & Stenger cannot speak on correspondence that may have occurred prior to being retained by ******** to collect on this overdue account, which occurred on December 13, 2023. After the account was placed with the firm, Stenger & Stenger received notice that you were disputing the account for fraud on January 25, 2024, via your response to the firms initial notice letter. Stenger & Stenger notified ******** of your dispute correspondence, who then investigated your fraud dispute and documentation, but was unable to substantiate your claim(s). After being notified of the results of Citibanks investigation, Stenger & Stenger mailed you a letter with additional account documents and information, on or about May 2, 2025.  Stenger & Stenger did not receive additional correspondence following the May 2, 2024, letter, and proceeded with the filing the Summons you state that you received in July of 2024. In regard to the legal actions taken on this account, please note that Stenger & Stenger did not receive a copy of your answer, which is why you received the notice from Stenger & Stenger that the firm intended to proceed with default judgment. Furthermore, Stenger & Stenger did not receive the notice of hearing from the court, which is why the firm did not appear at the hearing. Without notice of the hearing, and consequently no notice of the cases dismissal, the firm filed the second request for default judgment on or about January 14, 2025, which you indicated in your complaint that you received. With the case dismissed, the Court properly denied the judgment request and let Stenger & Stenger know the case was dismissed prior, to which Stenger & Stenger updated its records accordingly.  As you have indicated again that this debt is the result of fraud, Stenger & Stenger will notify ******** that you are disputing the account as such; however, bear in mind that ******** has been unable to substantiate your fraud claim in the past, and additional information or documentation may be required to validate your claim(s). Lastly, please note that Stenger & Stenger attorneys are often busy throughout the day, and unable to field calls directly; however, any call agent with Stenger & Stenger is able to provide information pertaining to your account. If you have any further questions or would like to discuss, please do not hesitate to contact our office at **************.  Regards, Stenger and Stenger, P.C.

  Customer Answer

  Date: 02/26/2025

   
  Complaint: 22912513
  
  I am rejecting this response because: The company is lying.  I informed them myself that the court date was scheduled for September 23, 2024.  If their staff are that incompetent, I have nothing to worry about.  ******** and this Firm with get no money from me. Continue this behavior and I will hire an attorney and sue this firm. In addition, I was, psychically, in court, when this firm was contacted and given a chance to appear, via zoom, this case.  Also, I have provided documentation to support my claim, these firms should earn their pay and get the additional information the ****************************** has.  I provided a police report, the documentation is with the police department.  I also have provided documentation, from ********, through your office, that they are not pursuing me for collection.  I also have documentation that 3 ******** representatives assured me that I would not have to pay back $3500 as it was fraud. 
  
  Sincerely,
  
  ********* ****

  

  Business Response

  Date: 03/04/2025

  Stenger & Stenger, P.C. is in receipt of your response rejection, in which you indicated that you notified Stenger & Stenger of the upcoming hearing on phone call prior to the hearing, that you will not be paying any money to Citibank or Stenger and will hire an attorney to file a lawsuit against Stenger & Stenger should the matter continue. Additionally, you also state that you have provided sufficient documentation to support your fraud claim, including a police report and correspondence from ******** assuring you that you would not have to pay back $3,500.00 since it was fraud. Please note that after submitting your prior BBB complaint to ******** to reopen the investigation into the claim of fraud, ******** closed the account with ********************** & Stenger while they conduct the additional fraud investigation. ******** will review your fraud claims and documentation and then correspond with you at the conclusion of their investigation, at which point the account may be closed for a valid fraud claim. Alternatively, if ******** deems the debt to be valid at the conclusion of their investigation, the account may be placed back with Stenger &Stenger or another law firm to continue with the recovery of the debt. Please bear in mind that ******** conducts the fraud investigation and determination;Stenger & Stenger cannot speak on behalf of ******** regarding their internal fraud investigation process. Additionally, Stenger & Stenger cannot speak on any of your correspondence with other parties that occurred on this account prior to ********************** & Stenger being retained by ******** to pursue collection of the account, which occurred on December 13, 2023.  If you have any questions or concerns about ********* fraud investigation, please forward those to ********. Regarding the missed hearing, Stenger & Stenger advised in the first complaint response that the firm did not receive the notice of hearing from the court. Hearings are calendared upon the receipt of a notice of hearing from the Court. While you may have mentioned an upcoming hearing on a prior phone call, the hearing would not be placed on an attorneys calendar unless a notice was received from the Court. Regardless, the firms records are now current as to the status of the case and has noted its dismissal. If you have any further questions or would like to discuss, please do not hesitate to contact our office at *************.  Regards, Stenger and Stenger, P.C.

• Initial Complaint

  Date:02/03/2025

  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 spoke with a representative (*****) on 12/30/24 about an agreement to settle the remaining balance of an oustanding account. I was offered an option to settle the remaining balance for $6,850.00 with this offer expiring on January 17th, 2025. I was told that upon paying $6,850.00, I would receive a letter confirming that this account has been settled. The representative refused to provide written confirmation of this agreement before receiving payment. I was also told that I could receive this letter via email by consenting to receive email communications. I paid the agreed upon amount of $6,850.00 on 1/16/25 and this payment has posted. I have emailed *********************************************** twice (and stated that I consented to receiving emails from them) and I still have not received any confirmation that the account has been settled, they are still listed a balance on this account in their portal.I would like to receive written confirmation that this account has been settled as promised and for them to accurately report the status of this account to credit bureaus immediately.

  

  Business Response

  Date: 02/11/2025

  THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECTA DEBT AND ANY INFORMATION OBTAINED CAN BE USED FOR THAT PURPOSE.

  
  Dear ***** ******,
  
  Stenger & Stenger, P.C. is in receipt of your BBB complaint # ********, in which you have indicated that you settled an account with ********************** & Stenger on January 16, 2025, but the firms call representative refused to provide written confirmation of the agreement before receiving the payment and that you were advised that after sending authorization to Stenger & Stenger consenting to email communications, the firm would send you a letter confirming the settlement of the account via email, but you have not received the documentation despite emailing Stenger & Stenger twice. Furthermore, you indicate in your complaint that there is still a balance listed for this account on the firms portal, and you would like to receive written confirmation that the account is settled, and for the status of the account be accurately reported to the credit bureaus immediately.
  
   Please note that Stenger & Stenger received the settlement payment on January 16, 2025, as well as the emails sent to Stenger & Stenger referenced in your complaint, and the firm is closing this account as settled in full. The December 30, 2024, call between you and Stenger & Stengers call representative referenced in your complaint has been reviewed. Please bear in mind that Stenger & Stenger does sent out settlement agreement letters prior to payments; however, in order to receive documentation confirming a settlement agreement, the terms of the settlement must be agreed upon. On this call you indicated that you would have to review the offer further, and did not fully accept the offer. The firms settlement documentation requires a firm agreement and outlines specific details regarding the amount of the settlement payment(s) and the date at which the payment(s)will be made. Considering the letter is a binding agreement between two parties, it requires a signature and to be sent back to Stenger & Stenger.The settlement discussions that occurred on your call contained an offered payment amount with an expiration date, and not a promise from you to make the payment on a specific date. With that said, you made the settlement payment in good faith and prior to the expiration date; as such, Stenger & Stenger will email you the settlement documentation referenced above, stating you paid the agreed upon settlement, as well as an additional letter confirming the balance to be $0.00. While Stenger & Stenger is not a credit reporting agency and cannot speak on behalf of its client in regard to such, the firm has notified its client of your credit reporting complaint filed against Stenger & Stenger and submitted the notification of settlement.
  
  If you have any further questions or would like to discuss, please do not hesitate to contact our office at *************.  Regards, Stenger and Stenger,P.C.
  
  Very truly yours,
  
  STENGER & STENGER, P.C.