Rausch Sturm LLP

I am disputing an alleged credit card debt associated with XXXX XXXX that has been placed with XXXX XXXX for collection. This account was previously reported as fraudulent and may be the result of identity theft. Despite this, XXXX XXXX is attempting to collect the debt and has indicated that I may be held personally liable, even though the account is associated with a business entity ( XXXX XXXX XXXX ). I have not been provided with any documentation establishing personal liability, such as a signed personal guarantee. I formally requested validation of the debt, including proof of ownership/authority to collect, a complete account history, and verification of liability. During a phone call with a representative identified as XXXX XXXX, I was told that they were not required to provide certain requested information. When I requested credentials and documentation, I was told, in substance, that this information would not be provided.…

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I am trying to pay a debt to XXXX AND XXXX XXXX. I can not get in contact with the appointed representative for issuing file numbers to log onto thheir website and pay. When I get someone to pickup initially to make a payment they say my file hasnt been downloaded so they cant help me. Then they transfer me to some other department and I have waited over a hour before the line goes dead. A few months ago I had been told that I would be contacted in a few weeks to get a file number, and that never came about.I have been trying to get this taken care of for a year. Please help I need to get this resolved and off my credit report. Please help. Thank you for your time

I am submitting this complaint regarding XXXX XXXX XXXX in connection with an alleged debt they claim I owe to XXXX XXXX ( account number ending in XXXX ) in the amount of {$5500.00}. I do not recognize this debt and have no knowledge of its origin. On XX/XX/year>, I attempted to contact XXXX XXXX XXXX by phone to request information about this alleged debt. After being placed on hold for approximately 20 minutes, I was prompted to leave a voicemail, which I did, requesting a return call. I did not receive any response. On XX/XX/year>, I attempted to dispute the debt through the companys website ; however, I encountered repeated errors that prevented submission. I then sent an email to the company documenting the error and formally disputing the debt. In that email, I requested full validation of the alleged debt, including documentation bearing my signature, the original contract, and a complete payment history, to be sent to my physical mailing address.…

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XXXX XXXX XXXX sued me for a credit card debt with XXXX XXXX. I sent multiple letters attempting to settle or negotiate debt that were never responded to. The notices were sent from an Oklahoma office that the collection notices were sent from. I then received a notice of garnishment, with verbiage stating not to mail anything to the Oklahoma office. I attempted to send multiple email directly to the firm and attorney using email addresses listed on the garnishment notice. When typing the email address XXXX into the address bar I received an error stating it was not a valid email address. Previous notices encouraged me to contact the office to discuss option which I did in writing and via email for record keeping. However despite their encouragement they refused to respond. Both of these tactics are deceptive and unfair within the definitions of UDAAP and FDCPA.

Rauch sturm is attempting to garnish my wages when I have provided proof over XXXX times they can not garnish me. They have answered my XXXX complaint and I've spoken with reps who keep assuring me it will be stopped, however they refuse to contact my employer. I am not going to stop. They need to cancel the garnishment immediately. I receive medicaid and food stamps and cant legally be garnished in Wisconsin. They have been provoded proof.

I was notified by my bank that my checking and savings account was frozen ( Writ Of Garnishment ) on XX/XX/XXXX for $ XXXX that it will remain in place until release by the courts, or they will remit funds in 30 days.I conntacted the Law firm with a certified letter on XX/XX/XXXX with no response. The last transaction on this account was XX/XX/XXXX in which makes this a time-barred debt in the state of Mississippi. ( XXXX ) They shared debt information impropely with a third party. ( XXXX ) The debt is time-barred cause the statue of limitions has expired. ( XXXX ) they DID NOT response to the dispute letter. The card holder charge the account off and was sold to this Law Firm, but the Law Firm is using the orginal card holder name as to make it seem that they are repesenting this company in the courts and requesting that all payments be summitted to them, in which seem to me to be misleading practices.

" I am filing this complaint because of a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am currently subject to a wage garnishment for a debt I am willing and ready to pay in full, but the debt collector is refusing to provide me with a detailed itemization of the balance. On [ XXXX XXXX XXXX XXXX ], I sent a formal written request via email to the collector asking for a complete payoff statement and a breakdown of the debt ( Case # [ XXXX XXXX XXXX XXXX ] ). To this date, they have ignored my request and have not provided any validation of the specific amounts they are claiming, which include principal, interest, and fees. Despite my clear communication and willingness to settle the debt, the collector proceeded to garnish {$600.00} from my paycheck on [ XXXX XXXX XXXX ]. This garnishment is causing extreme financial hardship, leaving me unable to pay for basic necessities like rent and food.…

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Both companies sent their demand letters and Notices of Right to Cure directly to my employer starting in XX/XX/year>, never to me or my home address. I contacted them twice to inform them they had violated FDCPA laws by directly sending their demands to my employer on 3 separate dates. I disputed the debt and informed them of their violations. The last letter I faxed to them was on XX/XX/year>. As of today, XX/XX/year>, I have not heard from either company about this so called debt. The have violated collection practices by not confirming the debt and contacting my employer directly. My employer should not have seen any of the documents they sent to the office. I have never lived at the company address so what they did was intentional.

I have been trying for over three weeks to contact XXXX XXXX to resolve and settle a debt with a one-time payment. During this time, I have called their office well over 60 times, ( I can proved proof ). The calls either go unanswered or go to voicemail. I have left multiple voicemails and have also submitted several messages through their website contact form. Despite these repeated attempts, I have received no response. This has become extremely frustrating because I am actively trying to resolve this matter and make a payment, yet the companys lack of communication has made that impossible. It should not be this difficult for a consumer to pay and settle a debt. I am requesting that XXXX XXXX contact me as soon as possible so this matter can be resolved.

Dear Counsel, I am writing regarding the arbitration matter involving XXXX XXXX. As you are aware, the arbitration was properly initiated pursuant to the XXXX XXXX Agreement. I complied in good faith with all required procedures ; however, the arbitration was later administratively closed due to XXXX failure to pay the required arbitration fees. You previously communicated with me regarding this dispute while the arbitration was pending, which confirms that XXXX had notice of the arbitration and the opportunity to participate. However, I did not receive any further communication while the matter remained open. Given these circumstances, I would appreciate clarification of XXXX position regarding the arbitration. Specifically, please advise whether XXXX intends to cure the nonpayment of the required fees so that the arbitration may potentially be reinstated, or how XXXX intends to proceed with this matter.

In XX/XX/XXXX I received a debt collection letter from XXXX XXXX attempting to collect a credit card debt. I sent XXXX XXXX a debt validation request via certified mail. They never responded or sent a debt validation. I called the original creditor since I suspected fraud on the account. The original creditor never responded. Then in XXXX of XXXX I was sued by XXXX XXXX for the debt. Still never receiving any debt validation or notification of what the debt actually is for.

I had a garnishment in my XXXX account so I called them and asked what that meant. They told me they had a writ of garnishment and gave me the contact information. I then called the contact and they could not provide me with any more details. I asked for an email or letter from " said '' debt collecter. I gave them my email and address- no email or letter as of today XX/XX/XXXX. I called XXXX XXXX XXXX, XXXX as assignee of XXXX XXXX, who they said they bought that debt from. I have a current XXXX XXXX card that I currently pay on- and I only have one active account with them. I do not believe this debt is mine. I paid any and all debts off in order to buy my home in XXXX. The amount they stole from me is different as well. {$1900.00} is what was wrongfully taken out my account and Rausch Sturm LLP said I owed {$1900.00}. I have been yelled at, and laughed at for requesting more information. I do not have the funds for an attorney to fight this.…

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I received no letters in the mail from XXXX XXXX ( XXXX ) and have proof I forwarded my mail to my new address last summer. I only found out about a lawsuit from XXXX through a defense lawyer offering consumer debt lawsuit defense services in a mailed advertisement. XX/XX/XXXX and XX/XX/year> : Emailed XXXX requesting a call back to my ph XXXX due to multiple failed attempts trying to reach them where they would not answer the phone. I requested their internal file XXXX to try settling debt online but nobody called me back, nobody provided the XXXX internal file XXXX. I explained to them how sick I am ( too sick to go to court ), how financially stressed & struggling I am now that I am having a baby/not going back to work until my baby is school aged XXXX yrs from now, how I intend to file for bankruptcy but was still trying to explore debt settlement with them. They were unwilling to provide me info verifying debt and allowing me to pay it before suing me.

I am submitting this complaint regarding an alleged death of {$5500.00}. That is now being handled by Rausch Sturm LLP. This debt was previously owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have repeatedly requested validation of this debt from XXXX XXXX, but as of XX/XX/XXXX, I have not received any documentation verifying this debt. Timeline of Events : XX/XX/XXXX : Sent a written request to XXXX XXXX for full validation of alleged debt. XX/XX/XXXX : Sent a follow-up validation request to XXXX XXXX XXXX XX/XX/XXXX : Sent a final certified letter to XXXX XXXX requesting validation again. XX/XX/XXXX : Sent a certified letter to Rausch Sturm LLP requesting validation after the debt was sold. XX/XX/XXXX : Received a letter from Rausch Sturm LLP dated XX/XX/XXXX. XX/XX/XXXX : Received another letter from Rausch Strum LLP also dated XX/XX/XXXX. Issues : * PRA LLC failed to provide proper validation of the alleged death, despite multiple requests.…

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I am writing in response to your letter dated XX/XX/year>, regarding an alleged debt you claim I owe to XXXX XXXX XXXX XXXX This is a formal demand for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I invoke all my rights under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state laws. I dispute the validity of this alleged debt in its entirety and demand that you immediately cease all collection activities, including but not limited to compulsive phone calls, emails, letters, or any other form of communication, until you provide full and complete validation as detailed below. Failure to comply will result in my reporting your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and relevant state authorities, and I will pursue all legal remedies available, including suing for statutory damages up to {$1000.00} per violation under the FDCPA.…

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My XXXX XXXX debt is being collected by XXXX XXXX. XXXX XXXX has locked me out of my account and communicating with them is basically impossible. XXXX tried to call various numbers XXXX times between XX/XX/year> til current with no luck of reaching a live representative. I havent missed a single payment from our agreed payment plan and the funds pull from my account every month. Being locked out of my account stops me from have account transparency, and prevents me from settling my debt. XXXX XXXX would not help either as they just route me back to XXXX XXXX.

I was served with a lawsuit by XX/XX/XXXX ( representing XXXX XXXX XXXX ) for a debt of {$790.00} on XX/XX/XXXX, XX/XX/XXXX days after it was dated, XX/XX/XXXX. I accepted their settlement offer of {$600.00} and attempted to pay through their online payment portal on XX/XX/XXXX. The payment portal showed " processing '' but never charged my account. I never received confirmation either. I called for confirmation on XX/XX/XXXX and was told they just got notified that day that the bank rejected my payment, though they never told me that. I asked to see the notifications of this and they refused to show proof. When I called my bank, they confirmed there was NO attempted transaction - nothing pending, nothing declined, nothing blocked. I have contacted XXXX XXXX multiple times ( phone calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and emails to XXXX on XX/XX/XXXX & XX/XX/XXXX attempting to complete this payment. They claim my bank blocked the payment, which my bank confirms is false.…

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Description of the Complaint ( Complete Chronological Narrative ) I am submitting this complaint regarding false, deceptive, and intimidating representations made in connection with a civil debt collection lawsuit filed against me by XXXX XXXX XXXX XXXX, acting through its legal representatives, including XXXX XXXX XXXX and through its agents and contractors. This complaint involves : a materially false sworn Certificate of Service a false claim of personal service the use of intimidating tactics and misleading Fugitive Recovery branding documented psychological and medical harm to my pregnant wife and XXXX XXXX failure to correct or remedy the misconduct even after being formally notified 1 ) Incident XXXX XX/XX/XXXX ( Intimidating card left at residence ) On XX/XX/XXXX, a process server came to my residence. I was not at home and did not open the door. I observed the individual through my home security camera.…

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XXXX XXXX XXXX called and was lft on hold for 45 min XXXX XXXX went on web and did a payment arrangement of {$290.00} every month .end date XX/XX/XXXX. No response, and no money was taken out -XXXX XXXX XXXX, no response when called when online, and to check and no response to the payment arrangement XXXX XXXX XXXX called XXXX ( original creditor ) and they provided another phone number to call, and I called and they had me on hold 20 min then went to vm and i left a messaage for them to call me back. As of today XX/XX/XXXX no reply

I received XXXX different pieces of mailing with different lawyers telling me to act now before I get served. I received the letter that I attached. I have received threatening voicemails that state I will be sued and served papers if I don't comply. I have no idea on what this debit is from. I also had someone show up at my house twice now looking for me and trying to serve me papers. He couldn't tell me any information either. I got scared since I'm being threatened for something that I don't even know about. I did go online and set up a payment plain to pay the debt, but now I'm regretting it since I don't know where the debt is coming from.

Beginning in or around early 2025, I disputed the alleged account and asserted my rights under the Fair Debt Collection Practices Act ( FDCPA ), including a written request that collection activity cease and that any further communication be limited to written confirmation only. I also requested verification of the alleged debt. Despite these notices, I continued to receive collection communications from XXXX XXXX XXXX, acting as a third-party collection law firm on behalf of XXXX XXXX XXXX These contacts occurred after I had disputed the account and after I had clearly requested that collection communications stop. Continued contact under these circumstances constitutes a violation of 15 U.S.C. 1692c ( c ), which prohibits further communication after a consumer has notified a debt collector in writing that they wish the collector to cease communication.…

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I have attempted to contact RAUSCH STURM LLP through their website and calling since XXXX, most recent attempt was on XX/XX/year>, with no update. When calling I was advised the person on the phone needed to transfer me to another department, they would then advise ( on XXXX different occasions in XX/XX/year> after serviced on XX/XX/year> ) that there was no one available to speak to me that they would advise and request a call back. No call back was provided. On XX/XX/year> called in on XXXX occasions that were advised being transferred, the call was then disconnected after waiting on on hold for XXXX minutes. I also submitted request for contact through their provided website, these have gone unanswered and unable to obtain further information. This debt is a martial debt that is being evaluated in divorce with the co-owner of the account, XXXX XXXX, and attempting to resolve in a timely manner with no appropriate contact with the debt company.

XX/XX/XXXX - called and asked to have a payoff letter sent so I can pay the debt in full without additional fees being applied between payment sent and payment recieved. I was told it may take XXXX business days. I never recieved letter. XX/XX/XXXX - called and informed I never recieved the payoff letter. I was told a request will be placed and the letter will be sent within XXXX XXXX hours. I never recieved the letter. XX/XX/XXXX - I didn't recieve the payoff letter. I was informed by XXXX that he sent the letter via email. I verified that he had the correct email. He informed me he would resend the letter. XX/XX/XXXX - I was informed that a payoff letter can not be sent because my account had been flagged for hardship in XXXX of XXXX. I was informed a manager would have to remove the flag before a payoff request can be submitted. The account was forwarded to a manager. XX/XX/XXXX - I called several times and was disconnected on various attempts to speak to a representative.…

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Rausch Sturm claimed I owed debt to XXXX XXXXXXXX XXXX XXXX. I never owed XXXX XXXX XXXX XXXX. We went to court over it. They garnished my wages which put me behind on all of my bills. I received an exemption through the court and the case was done. Im still constantly receiving letters and emails from rausch sturm saying that I owe money. They have not answered any calls or emails, they didnt even show up in court. I received the exemption, almost got evicted, missed work and am behind on all of my bills and they are still harassing me without reason. The case was ruled in my favor.

I was hacked in a data breach by XXXX. Several online loans were taken out in my name. I have been fighting this for YEARS! First somebody named upstart wanted money, then XXXX XXXX XXXX, then Legacy collections, NOW Rausch Sturm LLP, ALL over the same fake debt. It never stops, I try with each one, fill out mountains of paperwork, they sell it to somebody else and the whole mess starts again.

I sent a letter certified mail return receipt on XX/XX/year> asking the creditor to verify various aspects of the debt including The name and address of the original creditor. A copy of the original signed contract, loan agreement, or other documentation that bears my signature and proves I am responsible for this specific debt. An itemized breakdown of the total amount owed, including the principal balance, all interest charges, fees, payments, and credits applied since the debt became delinquent. Documentation showing the date the debt became delinquent and how that date was determined, to verify it is within my state 's statute of limitations. Proof that your agency has the legal right and is licensed to collect this specific debt in my state. I never received anything in return and am now being sued by the collection agency in question.

I have emailed, called and left voice mails for this company and have not gotten a call back. Our last conversation I told them I lost my job and they told me to focus on finding a job and not to worry about payments. They moved foward with a XXXX time garnishment of our bank account. I have been trying to call them to set up a payment, multiple times a day, after XXXX minutes and XXXX seconds it goes to voicemail. I have even reached out to the courthouse and they provided me with the lawyer number and I never got a return call. I know for sure its been over a month we have not been able to speak to anyone.

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct.

This law firm is representing XXXX XXXX XXXX XXXX XXXX & wrongfully are attempting to collect a debt/sue me. The law firm has already attempted to take me to court with illegitimate documents. Printouts, billing statements, or mere account summaries do NOT satisfy legal validation requirement guidance. Both the company, & the law firm have failed to provide complete, competent legal validation.

I have a ~ {$4000.00} debt that I have attempted to pay voluntarily at least XXXX times over the past XXXX years ( phone logs available ). Rausch Sturm LLP represents the creditor but has never accepted my calls or returned messages. Instead, they sued and obtained a default judgment against my father ( same name, different person ) in Massachusetts while I have lived in Texas for over XXXX years. This is clear mistaken identity. This is negatively effecting my credit score and I have exhausted all means of contacting Rausch Sturm LLP and the original creditor.