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Updated on Author: Sergei Lemberg

Are You Being Called By Lake City Credit, LLC?


Are you getting calls from debt collectors every day? Many collection agencies intentionally harass consumers, hoping that you aren’t aware of your legal rights. Below is an overview of the federal laws that allow you to sue a collection agency when they go too far.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, controls how debt collectors have to conduct themselves while collecting from you. You are entitled to file a lawsuit against any debt collector who uses collection strategies like those below.

● Contacting you outside of 8:00 a.m. and 9:00 p.m.
● Refusing to cease communications upon request
● Discussing the debt with your coworkers, neighbors, and friends
● Leaving voice messages that do not identify the collector
● Demanding amounts that exceed the original debt
● Threatening legal action they have no intention of taking

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Company Profile: Lake City Credit, LLC

If you are being called by Lake City Credit, LLC, more information about the agency is below.

Lake City Credit, LLC is a collection agency in Dallas, Texas. It opened for business in 1980, has 17 employees, and is managed by Deborah Southland. The agency has an F rating with the Better Business Bureau. Archived lawsuit records at the PACER website show that people who felt harassed by Lake City Credit, LLC got a free evaluation from a consumer lawyer to help them collect damages.

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Alleged Violations against Lake City Credit, LLC

According to PACER, on or around March 25, 2019, Lake City Credit, LLC sent a collection letter to a Florida consumer seeking payment for a Mastercard debt. The consumer claimed that the debt did not identify the sender as a debt collector or advise him of his dispute rights. It also added interest to a debt that was legally uncollectible, as it had been discharged in a Chapter 7 bankruptcy.

Feeling harassed by Lake City Credit, LLC, the consumer sued the company for attempting to collect a debt that had been eliminated in an earlier bankruptcy filing.
The matter was later settled.

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Hire a Consumer Lawyer

The phone numbers for this debt collection agency are:

● 1-844-566-3557
● 1-940-445-6771
● 1-512-275-5425
● 1-817-416-6900

If you see them on your caller ID at any time, Lake City Credit, LLC is trying to reach you. If they send collection letters for a debt you no longer owe, hire a consumer lawyer and file a claim against Lake City Credit, LLC. Under the FDCPA, you may be able to recover $1000 per violation in statutory damages, so don’t forget that you have rights in these situations.

*Case taken from PACER (www.pacer.gov). File number is Case 6:19-cv-00667-CEM-GJK from the United States District Court for the Middle District of Florida, Orlando Division.

Need Help With Lake City Credit?

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Additional Resources

Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Lake City Credit, LLC or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Sergei Lemberg

Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Sergei Lemberg
One response to “Are You Being Called By Lake City Credit, LLC?”

Randy M

December 20, 2022

I was contacted by Lake City credit back on 12/9/2022 regarding a long overdue debt to Citibank on a Visa Credit card I held over 30 years ago. While I do not doubt that I owed the debt, I have not anything from Citibank or any debt collectors regarding this debt until 12/9/2022. I requested Lake City send me a letter via USPS to verify the debt. They were reluctant to do so, and rather that this notice be sent via email. I reiterated I need this verification be sent via USPS. They further told me that if I wanted verification I would need to contact Citibank, have then search their archives and send me a verification letter regarding this debt. Lake City provided the account for this debt, which turns out to be invalid, since every Visa and Mastercard credit card I have ever seen uses a 16 digit card number, plus a 3 digit CVV code. Failing searching on the account number, I had the Citibank representative search on my Social Security Number. Citibank was unable to find any accounts held by me using my Social Security Number. Upon the advice of my attorney, I filed a complaint with the PA Attorney General, the Texas Attorney General, the South Dakota Attorney General (since, when I applied for the card, Citibank stated the contract for this card would be governed by the laws of the state of South Dakota.) and filed a complaint with the Consumer Finance Protection Board of the Federal Trade Commission. I received a letter fr on Lake City Credit on 12/19/2022 stating if I did not pay them $3,826.16 by 26 December, 2022, I would be liable the full amount of the debt of $13,328.14 and will be sued in court for that amount. In addition, I received a reply from the CFPB, stating that Lake City does not have business relationship with Citibank. The CFPB has referred the matter back to Citibank, specifically to a S. Upchurch-Stevens, a Regulatory Complaint Specialist with Citibank, out of Citibank’s Florence, KY office. I have been trying to find this person’s phone number at Citibank, without success. I have since sent this individual a written letter, which was mailed out the evening of 12/19/2022. I have also phoned Citibank customer service twice, once at their main number, and once out of their Cincinnati offices (Since Florence, KY is a suburb of Cincinnati). The two customer service representatives searched for my records by my social security number, and have come up empty-handed. If Lake City decides to take me to court, I will advise the judge that 1) Citibank does not have a business relationship with Lake City Credit, 2). The statute of limitation for collection of this debt passed many years ago, 3) Citibank no longer any records if my accounts and 4) I have been collecting SSDI for the past 12 years, and according to my understanding of the law, poor as it may be, neither Lake City nor Citibank can touch those funds.

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