Lloyd & McDaniel, PLC

The FDCPA support is strong because their own notice identifies Lloyd & McDaniel , PLC as a debt collector, and the FDCPA requires collection activity to stop after a timely written dispute until verification is mailed. The CFPB manual also confirms the consumers right to cease further communications, subject only to limited exceptions, and recognizes liability for FDCPA violations including actual damages, statutory damages, costs, and attorneys fees. XXXX XXXX XXXX XXXX CFPB COMPLAINT DRAFT XXXX XXXX Against : XXXX XXXX Lloyd & McDaniel , PLC * * Related Creditor : XXXX XXXX XXXX XXXX XXXX * * Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alleged Account Ending XXXX XXXX XXXX XXXX XXXX XXXX Alleged Balance : * * {$2500.00} * * Date of Collection Notice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Narrative I am filing this complaint against Lloyd & McDaniel , PLC regarding a debt collection notice dated XX/XX/year>, reference number CP XXXX, concerning an alleged…

This was an old credit card debt in my business name, someone showed up at my door with paperwork from filing a civil suit for the amount that I owed, I tried contacting company on many occasions to lower interest rates so that I can pay this debt off, iv given them XXXX of dollars but I couldnt afford to keep paying them.

Product : Debt Collection Issue : Attempts to collect debt not owed/ Continued attempts to collect debt without validation Company Information : Lloyd & McDaniel , PLC Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint : I am filing this complaint against Lloyd & McDaniel , PLC regarding their attempts to collect an alleged debt on behalf of XXXX XXXX, XXXX. I previously disputed this debt and requested proper validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, the company failed to provide sufficient documentation to validate the debt.…

My name is XXXX XXXX XXXX. I was served with a XXXX XXXX, WV XXXX XXXX Summons on or about XX/XX/XXXX to answer a debt collection. Here is a summary of why I am filing a complaint. I received only a XXXX page card on XX/XX/XXXX about this issue. I called several times, emailed, and returned the XXXX page letter marked that I needed more information such as a Dunning Letter, ( other ) withinXX/XX/XXXXdays of the receiving the debt letter from Lloyd & McDaniel , PLC. I'm also served by XXXX XXXX XXXX XXXX based upon being in a debt management program ( prior to the debt letter ). The XXXX XXXX XXXX XXXX also communicated that they had issues reaching Lloyd & McDaniel. Here are some other defenses that I want to bring up where Lloyd & McDaniel and XXXX did not provide in notification or requested documents. XXXX Plaintiff has not provided documents showing a contract between Defendant and XX/XX/XXXXXXXX XXXX, SUCCESSOR BY MERGER TO XX/XX/XXXX BANK with Defendants Wet Signature.…

On XX/XX/XXXX I received a collection notice from Lloyd and McDaniel PLC attempting to collect {$5400.00} on behalf of XXXX XXXX XXXX XXXX, reference number XXXX. I am formally disputing this debt in its entirety under 15 U.S.C. 1692g. A written debt validation demand was sent to Lloyd and McDaniel on XX/XX/XXXX via certified mail demanding the complete payment history, original signed credit agreement, chain of ownership documentation, and itemized balance breakdown. The underlying XXXX XXXX XXXX account is simultaneously the subject of an active FCRA dispute. A direct furnisher dispute letter was sent to XXXX XXXX XXXXXXXX on XX/XX/XXXX via certified mail demanding deletion of this tradeline from all credit bureaus based on multiple documented inaccuracies including a No Data gap in XX/XX/XXXX, a dual status reporting error where the account simultaneously shows a charge-off status and an active past due balance, and cross-bureau payment history inconsistencies.…

XXXX XXXX XXXX - XXXX XXXX XXXX Court Case # XXXX This is to let you know that the above referenced case has recently been entered into the Online Dispute Resolution ( ODR ) platform. Please be on the lookout for an email from : XXXX. If you have not received the email by XXXX XXXX today in your regular box, you may want to check your spam folder. Once received, please click on the link at the end of this sentence in that email : Click here to access the 18th Judicial Circuit-Brevard County-XXXX Small Claims Resolution Center : YOUR CASE NUMBER Either party can initiate making an offer to settle this case. If you need help or have questions, you can request a mediator in XXXX after an offer has been made by either party or their counsel.

I was notified by my mortgage company of a lien on my property placed by this company. I requested a payoff letter of the debt via phone on XX/XX/XXXX the number i spoke with a rep on was XXXX. On XX/XX/XXXX I phoned the office again the agent provided me the email address XXXX and verbiage to use to request the payoff letter I sent the email and received a response that my request was received and the letter would be received in 1-2 business days. I phoned XXXX on XX/XX/XXXX and spoke with a rep they advised they received the request and to send another email to XXXX. I received a response from that email acknowledging my request and to allow 1-2 business days. On XX/XX/XXXX I called the office in which i was placed on hold for XXXX. I sent a follow up email on XX/XX/XXXX inquiring why I still hadnt received the payoff request letter. I received a response on XX/XX/XXXX advising my request was received.…

Attached I included the court documents and judgement along with my formal request for paid in full or complete removal, and the collection agencies response. I also have attached email chain from company.

From XX/XX/XXXX to XX/XX/XXXX I have called Lloyd & McDaniel who is actively suing me, for a statement on the amount we agreed upon of {$2700.00} so that I may pay them. They continue to give me the run around, hang up on me after hours of waiting to get through to them, they have yet to send me a statement via email or postal mail & keep telling me check tomorrow or next week etc. I called again today as they told me I should recieve an email XXXX & XXXX XXXX, still havent received it. Now Im told I will recieve it on XXXX. I have no faith. If they want their money so bad, why are they not giving me an appropriate email with the payoff amount included so that I may pay them in a timely manner instead of continue to get the run around. This is taking away from my XXXX time to keep calling with NO progress from them.

Rebuttal to Response CFPB Complaint # XXXX I dispute the claims made by Lloyd & McDaniel , PLC as inaccurate and misleading. Their response states that the phone number used to contact me was provided by the original creditor, XXXXXXXX XXXX XXXX XXXXXXXX. This is not possible. The number that was called is a work phone number associated with my current employment. I did not begin working at this employer until XXXX, well after the account in question was opened in XXXX and charged off in XX/XX/XXXX. Because of this timeline, the original creditor could not have had this phone number on file. This directly contradicts the firms statement that the number was obtained from the creditors records. Additionally, this is a recorded business line, and call records exist confirming the inbound call from the firm on XX/XX/XXXX.…

XXXX tried to email and call them about setting up a payment arrangement to pay off the debt or to settle the debt and they will not email me or give me a call back to set up an arrangement and now they are taking me to court for more than what the original amount was due to court cost and legal fees

I am attempting to pay and resolve a credit card debt. The law office that reportedly holds the debt has not made the account available for payment despite my repeated attempts to resolve it. I have made the following documented attempts to communicate with this office : XX/XX/year> Sent an email requesting information on how to resolve the account. XX/XX/year> XX/XX/year> Placed XXXX documented phone calls to the office attempting to speak with a representative and obtain payoff instructions. XX/XX/year> Sent an additional email titled Urgent Escalation Request for Payoff Instructions. Both emails have gone unanswered. Of the XXXX phone calls placed, XXXX went directly to voicemail. On the occasions when I was able to speak with a representative, I was repeatedly told that the account was being processed or on hold, and that I should call back later that day or in a few days when the account would supposedly be available for payment.…

Never got anything in the mail from XXXX XXXX XXXX and got called at work which goes through a few departments to reach me.

I sent a judgement proof letters to the original creditor which is XXXX credit ( XXXX ) on XX/XX/XXXX. That is around the time I was unable to continue to pay my credit debts. They didn't send a reply. Around XX/XX/XXXX I got a letter from a XXXX office called Lloyd & McDaniel , PLC address is p.o. box XXXX XXXX Kentucky XXXX. I called them around XX/XX/XXXX asking for a hardship due to my judgement proof status. They said we don't do hardships and we will continue trying to collect even if you are judgement proof. I sent a second round of judgement proof letters to both XXXX and XXXX XXXX of XXXX and got no reply. I began to get advertisements from bankruptcy lawyers saying I was being sued in XXXX of XXXX. Went online and XXXX being sued by XXXX and numerous other creditors that all know XXXX judgement proof.…

On XX/XX/year>, I received an email from Lloyd & McDaniels, PLC saying that they sued me for a debt that there was NEVER any litigation for. I never received a letter from them saying theyve taken a case against me or a phone call. This is a violation of 15 USC 1692. They are attempting to threaten me with legal action for a debt they never gave me an opportunity to contest.

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Pre-Litigation Settlement Demand FDCPA, FCRA & Tennessee Law Violations Account Number : XXXX To Whom It May Concern : This letter serves as a formal pre-litigation settlement demand regarding your continued unlawful collection activity and credit reporting of the above-referenced alleged account. I have previously sent multiple written disputes, including a Third and Final Notice of Failure to Comply, requesting : A copy of the original signed agreement Complete purchase agreement and chain of title Proof of lawful assignment and ownership Documentation of a reasonable investigation Identification of the individual who verified the account Instead of providing competent evidence, you have repeatedly sent account summaries and billing statements, which do not satisfy validation requirements under federal law.…

I am submitting this complaint regarding XXXXXXXX XXXX and the law firm XXXX XXXX XXXX concerning an alleged debt that has not been properly validated and is being inaccurately reported on my credit report. XXXXXXXX XXXX has stated that this account was sold or assigned to XXXX XXXX XXXX for collection. However, XXXX XXXX XXXX has confirmed in writing and verbally that, as of today, they have not received the account file or any documentation from XXXX XXXX, despite more than XXXX ( XXXX ) months having passed since the alleged transfer. As a result, no party has been able to provide competent evidence that this debt is valid, owed, or legally collectible by Lloyd & McDaniel. This conduct violates multiple federal consumer protection laws : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) and 1692g ( b ) A debt collector must provide validation of the debt upon request and must cease collection activities until proper verification is provided.…

Beginning on XX/XX/XXXX, I submitted all required signed documents to Lloyd & McDaniel and repeatedly attempted to obtain confirmation that they were received. Despite multiple emails and calls, I never received any confirmation or acknowledgment from the company. Because they failed to provide the required documents back to me in a timely manner, I had to pay out of pocket for several sameday deliveries to ensure I remained compliant. None of these efforts were ever confirmed by the company. Throughout XXXX, I made all required payments online as instructed, but again, I received no confirmation of any payments. Then, on XX/XX/XXXX, the company sent a letterto an old addressstating that XXXX of my XXXX payments did not go through. This put me at risk of default despite the fact that I had made the payment and had received no indication from them that there was an issue.…

I have a payment plan setup with Lloyd & McDaniel with payment due on the XXXX of each month. Ive recently check my bank account which Im currently overdrawn now by a significant amount due to the double charge and overdraft fees. After looking into the past payments I was also double charged in XX/XX/2025. Ive been told that I setup up autopay which I dont even remember setting up and had no good reason for myself to include autopay. From what Im aware and my payment history before XXXX to XX/XX/2025 there no indication that I setup up autopay. Heres the dates of from just a month before XXXX to now. XX/XX/2025 - {$380.00} Double charge XX/XX/XXXX - {$390.00} XX/XX/XXXX - {$380.00} This made my financial situation much worse XX/XX/XXXX - {$380.00} XX/XX/XXXX - {$390.00} XX/XX/XXXX - {$390.00} Double charge XX/XX/XXXX - {$380.00} XX/XX/XXXX - {$390.00}

Lloyd & McDaniel , PLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I entered into a payment plan with this collection law firm. I authorized recurring payments and ensured sufficient funds were available. I made multiple good-faith attempts to pay, but the firm failed to withdraw any payments. Because the firm did not process the authorized payments, they added interest and/or fees to my balance. These charges are inaccurate and were caused solely by the firms failure to process payments, not by any refusal or inability on my part to pay. I have contacted the firm multiple times by phone and email to resolve this issue and received no response. I have documentation showing my payment attempts and communications. I am disputing the inflated balance and requesting correction of the account, removal of improper interest and fees, and written confirmation of the accurate amount owed.

On XX/XX/year> i sent via certified mail a Debt Validation letter to : Company Name : Llyod & McDaniels PLC Issue : Debt Collection Failure to Validate Debt Relevant Law : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ) Complaint Description : Llyod & McDaniels PLC failed to properly validate an alleged debt as required under 15 U.S.C. 1692 ( g ) of the Fair Debt Collection Practices Act. After receiving an initial communication from Llyod & McDaniels PLC regarding an alleged debt, I timely disputed the debt and requested validation within the 30-day period provided by law. Despite this request, the company did not provide proper debt validation as required by 1692 ( g ) ( 1 ) and 1692 ( g ) ( 2 ).…

Lloyd & McDaniel ( Collection Agency ) My husband is trying to refinance our mortgage. XXXX XXXX XXXX has been trying to get the payoff on the credit card from XXXX XXXX, in my name ( Debit purchased by L & M ), for TWO weeks and NO response. Friday the loan officer called and left & XXXX and an offer, still NO response. I faxed the information to L & M, NO response. I filled a COMPLAINT on their website, No response!! The refinance rate will be lost in TWO days because of L & M 's flagrant disregard for us the consumer! PH : ( XXXX ) XXXX FAX : ( XXXX ) XXXX XXXX Mailing Address : Lloyd & McDaniel , PLC XXXX. XXXX XXXX XXXX, KY XXXX Office Address : Lloyd & McDaniel , PLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ky XXXX Submission Success/complaint form Message : Your message was successfully sent. XXXX XXXX XXXX

XXXX XXXX served me with a summons and threatened to place a lien on my home. This caused extreme fear and distress. My home is my familys only place of residence, and the threat of losing it left me terrified of homelessness and unable to sleep or think clearly. Under that pressure, I felt I had no reasonable alternative. I agreed to a payment plan of {$300.00} per month for three years solely to prevent my family from being displaced. This agreement was not entered into freely or voluntarily, but under significant emotional and financial duress. I did not agree because I believed the debt was accurate, affordable, or fairly stated. I agreed because I feared the immediate and catastrophic consequences being threatened. I believe the tactics used deprived me of meaningful choice and resulted in an agreement obtained through coercion rather than informed consent.…

i call XXXX XXXX to result this issue. try to lower my interest rate. the last months ( 6 ) i was paying the minimum due. i have been a XXXX XXXX XXXX clients for over 10 years. the last conversation we had they told my to call lloyd and mcdaniel ( debt collector ) they no longer had my information. the last month i get sue by XXXX XXXX. the people in lloyd and mc daniel tell me to go to their website. what are my options, nothing show up .. have talk someone their that they are a debt collector.

My boss received a wage garnishment request form from Lloyd and McDaniel on XX/XX/year> claiming that I owed a {$900.00} debt. The letter included my name and a social security number that was inaccurate. My boss attempted to call the firm and reported the information as incorrect ; however, he continued to receive another wage garnishment request form. My boss informed me of this just today, XX/XX/year>.

I was sent a letter from Lloyd and McDaniel, PLC with very threatening language that they were preparing to file a lawsuit against me unless I paid them a certain amount of money, although there was no verification of said owed debt. They stated they sent a letter prior, which was never received by me. They signed the letter " Lloyd and McDaniel , PLC '' after threatening legal action against me, never identifying themselves as an attorney or providing a name and signature. I find their conduct to be abusive and a violation of my rights by the FDCPA. I have sent a dispute to their office via XXXX, via email as well and their website.

On XX/XX/2025, Lloyd & McDaniel , PLC filed a lawsuit against me in XXXX XXXX, Florida, without ever serving me notice of the lawsuit. I discovered the suit only because I received unsolicited advertisements from attorneys, not because the Plaintiff or their law firm complied with Florida service requirements. This legal action was taken while my account was in an active CFPB dispute, an XXXX state regulatory complaint, and after XXXX XXXX issued a written cease-and-desist letter dated XX/XX/2025. XXXX XXXX letter explicitly states that the account was placed with XXXX XXXX XXXX from XXXX XXXX XXXX 2025, then placed with Lloyd & McDaniel, and that XXXX XXXXXXXX is no longer servicing this account. This contradicts the representation now being made in court that XXXX XXXX is the rightful Plaintiff with standing. Lloyd & McDaniel also conducted unlawful collection activity in Florida prior to litigation while using an invalid business entity ( XXXX instead of XXXX ).…

I am filing a new complaint because the previous complaint response ( XXXX ) did NOT resolve any of the issues. In fact, the companys response confirmed multiple violations. Lloyd & McDaniel and XXXX XXXX continue to furnish inaccurate information to the credit bureaus, continue collection activity without proper validation, and refuse to provide the required procedural documentation under FCRA 611 ( a ) ( 7 ). False Statements & Misrepresentations 1. Contradictory Status Reporting My credit reports show the account as both " Charged Off '' and " Closed by Credit Grantor '', yet still list an active past-due amount. This is contradictory and violates FCRA 623 ( a ) ( 1 ) ( A ). XXXX. Illegal Past-Due Reporting After Charge-Off The entire balance ( {$10000.00} ) is reported as past due after charge-off, which violates XXXX XXXX and FCRA 623 ( a ) ( 1 ) ( B ). 3.…

My name is XXXX XXXX, and I am a natural person. I am a federally protected consumer with rights per the Fair Debt Collection Practice Act. At this time, I would like to enforce my XXXXXXXX XXXX given rights. This is all being done in Good Faith. Lloyd & McDaniel , PLC, et al. has used abusive, deceptive, and unfair debt collection practices Under 15 USC 1692., which has caused me a lot of mental anguish. This letter serves as a formal complaint regarding violations of the FDCPA, Regulation F, and unlawful debt-collection activity committed by Lloyd & McDaniel , PLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX together with all attorneys, staff, agents, employees, and other persons acting on behalf of Lloyd & McDaniel , PLC in connection with the consumer-debt lawsuit brought against me. I am the federally protected consumer filing this Complaint. The debt at issue is an alleged consumer debt within the meaning of 15 U.S.C. 1692a ( 5 ).…

I received a letter dated XX/XX/year>, from Lloyd & McDaniel , PLC claiming I owe {$6100.00} for a XXXX XXXX XXXX account. I requested full validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. The collector has not provided a signed contract, sworn affidavit, or proof of assignment. The only response received was an unsigned letter with limited account information. I am requesting the CFPB to investigate this collection activity and ensure Lloyd & McDaniel ceases contact and removes any reporting made without proper validation.