| 02/28/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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On XX/XX/XXXX was served with summons dated XX/XX/XXXX to General Sessions Court in XXXX county, TN for lawsuit for past due XXXX credit card balance. The court date was XX/XX/XXXX. I spoke with their office in XX/XX/XXXX before the court date and explained I knew about the debt, my situation/ or the reason I had not made any payments since XXXX that I was unemployed, lived in a rural area with no access to public transportaion and a car that needed an engine replaced. I told them I did not have the money to pay them and would pay when I could. When I asked for a continuance to have time to prepare for court, they would not allow me to obtain a continuance, they told me I would only lose and they only wanted a judgement and that it would last ten years. Since I only had five days to prepare, I was unable to arrange transportation and consequently did not appear in court. They got a judgement for {$1100.00}. the credit card balance was {$600.00} max and late fees that totaled the {$1100.00}. The attorney representing them is Finkelstein, Kern, Steinberg , & Cunnigham, debt collection firm. On XX/XX/XXXX I received a notice from their firm stating they were forwarding a certified copy of the judgement for the case to the register of deeds to place a lien against my primary place of residence. The document does not state the balance of the debt for the lien. I have never had a lien and was concerned about the amount of money they required. Because the letter did not state the total amount to satisfy the debt/judgemnt I proceeded to check the court records to confirm the amount and also contact the law firm about the matter. I told them I wanted to set up payments and spoke with XXXX who proceeded to firmly ask me questions about whether I had a mortgage or not. I asked hiim to explain their policy for setting up payments but he kept trying to ask more questions about my house. I am a senior citizen receiving public assistance. I told him my cell phone is a goverment issued life line phone with 300 minutes a month, because he wanted to call me on my cell phone. He proceeded to try to explain the process to make payments but never really did, and was indignant because I would not answer his questions about my situation. I told him I had been unemployed for ten years and was receiving SSA when I set up the credit card account. I told him I no longer received those benefits and that was why the payments were late. He was rude and hung up the phone before answering my concern about how to set up payments. XXXX XXXX I don't know if anything illegal happened but do question why the law firm did not reflect the balance owed for the lien on the mail piece I received on XX/XX/XXXX It was very intimidating and the phone conversation was intimidating as well.
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| 10/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This continued documentation of a complaint we have filed on case XXXX. We want to submit further proof of the collection practices of this law firm. We have paid the original amount off and now they are attempting to collect interest at 10 % 6 months after the amount filed in court has been paid off. This not only happens to us but also to many people who are already having problems and this type of collection practices further damages consumers and is allowed without representation in the court. This law firm has been saying they are working with us but have only sent letters without a payment amount nor have they in our complaint sent us any documentation. As the documentation will prove they are not telling the truth. They garnishment filed against my wife 's wages on XX/XX/2016 states she owes {$5200.00}. It has been delivered to her place of employment and is actually going forward if they do not accept the XXXX dollar amount she has asked them to accept. She is doing this because the lawyers we have contacted only attempt to get her to file bankruptcy. Your agency stated it helps consumers and right now it does not feel like it. attached is their most recent legal action even though they are telling you all they are working with us. The clerks office in XXXX told us this firm is the worst and that the judges allow it. Also when my wife called them today, they told her here knew amount was over XXXX dollars not the XXXX filed in the court.
XXXX. XXXX XXXX XXXX.
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| 12/11/2016 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Indicated shouldn't respond to lawsuit
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Web |
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I have been sued and currently have a judgement filed against me for a debt that I know nothing about for a whopping {$2000.00}. I would be fully aware of owing such a large debt. Clearly as far as I am concerned there is a huge error somewhere and I would be a complete fool to agree to a debt that I know absolutely nothing about. I have disputed this judgement that showed up on my credit report reflecting a filing date for 2012. The judgement fell off my report without a problem because no original documentation could be provided proving that I owed the debt. A few weeks later I received a return letter in the mail seeking to garnish my wages from the same company. I went to file a motion of installment to protect myself and to stop the garnishment from moving forward. I work very hard to provide for my family and I am going to protect myself as well as my family with everything that I got. It is clear that unfair practices and fenaglining of legal documentation by this agency has taken place as evidenced by a spa being listed as the plaintiff on legal documentation that I have retrieved. Clearly this is abuse, deceptive, and unfair in reference to The Fair Reporting Act. Agencies like this, in my opinion should be put out of business immediately. I do not take playing with my livihood lightly and I earn every penny that I make for my family and will not be victim to unfair practices. This needs to be resolved immediately. My next step is the XXXX.
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| 08/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Older American |
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My name is XXXX XXXX and I have a File Number with Finkelstein, Kern, Steinberg & Cunningham, P.C. The court appointed amount to be paid each month by money order is {$25.00} per month. This company has tried to raise this minimum amount to {$65.00} per month. In my opinion, this company has to ask the Court to raise that amount. I almost had my Car repossessed and have to have basic utilities and Auto Insurance. I have tried to sell my home six times and it was not successful. I have had to change my cell number which is prepaid and is not always in use because of cost I am keeping a file on the amount of times he calls me and what is said. I had to pay my property taxes which were behind so my property would not be seized and sold for property taxes. I have lost my home phone service also. This has been stressful. I will not give him my Bank Account Number at all. He gets a money order for the {$25.00} each month or nothing. I will go back to court with notes and report his abuse. I only have social security to live on. I have had XXXX and XXXX problems with some jobs because of standing on my feet. Some employers do not give you a break regularly. I had to report an employer to the Department of Labor to get 8 hours pay after two months. I worked in Debt Collection and I know they are governed by laws also.
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| 12/31/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Today XXXX2018 I called Finkelstein, Kern, Steinberg and Cunningham to speak with them about setting up payment arrangements for a CC debt that has been turned over to their company. I advised the representative that my paycheck was already being garnished, without myself having prior knowledge that it was going to be put into place, and I was told 2 things 1 ) they do not set up payment arrangements once a garnishment has been issued 2 ) they do not send out informing someone when they do a garnishment.
Legally are they not required to inform me prior to a garnishment being issued?
She also said, it was past the statue of limitations for my state which is TN but since they were granted a judgement in XXXX in was null and void.
This is a violation of the Fair Debt Collections Act this debt is over 6 yrs old and they never filed a complaint against me or took my to court about it so they can not collect or garnish my wages. The representative did not agree with me and told me I had to contact the court house to handle it from here.
I have called this company several times since XXXX and never for a return phone call from anyone which is very unprofessional and the lady I spoke with today was very rude and had a bad attitude which I did not appreciate
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| 12/08/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
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I went to refinance my home. I told my loan XXXX about a judgment that I had made arrangements on. He said it had to be paid so, they paid it. I called today to see if I could get every document contained in this collection file. XXXX XXXX said, the only thing I could get was a statement that it had been paid in full. I asked her why and she couldn't give me an answer. XXXX, XXXX, and XXXX out of XXXX, Tn. is the law office that I refer to. how is it that they get to keep your information after you have concluded your business? I find this to be highly suspicious. I don't want them to have anything of mine. I don't want them to have even my social security number. How can a company collect on a debt that has been charged off anyway? companies come in and pay pennies on a dollar for debt and then charge interest on it. This in itself is a crock. I'm expressing nothing but contempt for this whole process. I'm going to figure this out and when I do it going to be XXXX to pay. I didn't know the American citizenry was being taken advantage of like this. No wonder she is in the trouble she is in. This is sheer criminal.I want ALL my documents since I'VE PAID
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| 04/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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1. I contacted Finkelstein about a debt settlement for my XXXX debt 2. They told me XXXX to settle the debt over the phone. They told me as long as I pay by the XXXX it will be fine.
3. I asked them to send a letter. As of today I have still not received the letter.
4. In good faith I sent the check on the XXXX through my bank and it was postmarked on the XXXX.
5. They called on the XXXX saying the check was late and that I owed {$500.00} to settle the debt. Additionally the man said I actually owed XXXX which was not discussed over the phone 6. I told them it is postmarked so according to law they received the check. He told this isn't Texas it's TN ( Even though we have a Federal Law that says otherwise he yelled at me and said I was too smart for my own good and that it was a law office and that they know what they are doing.
7. I felt threatened and offended by the statement and he was continue to yell at me over the phone.
8. After the phone call the check was cashed almost 10 minutes after.
I feel like that they held check to intentionally give me bad information so I could pay more. Because this tactic cost me {$300.00} more.
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| 10/02/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
Servicemember |
|
hello, my name is XXXX XXXX XXXX. i am a XXXX XXXX with XXXX XXXX XXXX
my XXXX is presently XXXX XXXX XXXX. at the branch on XXXX XXXX in XXXX tennessee. i work XXXX days a week. yesterday, XXXX XX/XX/XXXX i was blindsided at my XXXX by a gentleman serving me a summons.
it is for a court hearing on TUESDAY XXXX XX/XX/XXXX, XXXX. could you believe this, less than 30 days. FOR A COURT CASE. no room to breathe or prepare here..
details are as follows : : : : GENERAL SESSIONS COURT XXXX XXXX TENNESSEE DOCKET # XXXX CIVIL WARRANT PLAINTIFF XXXX XXXX XXXX ACCT # XXXX BAL {$2100.00} ATTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is for an account with XXXX acct was charged off on XXXX XX/XX/XXXX.
i am unfamiliar with said acct.
after work, i went home to research my credit reports to look for this debt.
after thorough searching i found the following results...
XXXX NOT FOUND XXXX NOT FOUND XXXX NOT FOUND XXXX nothing there
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| 08/05/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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|
Web |
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Continuation of complaint XXXX. We have requested information from this law firm so we can defend ourselves against this predatory lending. We want the name of the person we can call at XXXX XXXX or the current collection agency that they sold the debt to plus all legal documents filed with XXXX County court. Copies of letters sent to our address. We paid this debt in full and the XXXX County Court where the new lawsuit was filed not a continuation of a debt that we quit paying, it was paid in full. We want any letters that were sent to our address which they have on file since the final payment we paid to the court sent to our address also. They have sent another letter since the complaint was filed and we responded to it on last week which is part of this ongoing case. This is predatory lending at its best. We are going to ask the Attorney General of our State to look into this matter. Attached in the most recent letter sent from their XXXX Office. We want the entire file sent to us # XXXX XXXX. XXXX XXXX XXXX.
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| 11/25/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I found out that the company XXXX XXXX XXXX XXXX that financed my vehicle was involved in a Class Action lawsuit with XXXX. I received a postcard staying I was included in the lawsuit and would receive but not limited to loan forgiveness, defienciency waiver, and/or monetary payment. This debt was purchased by a collection company XXXX XXXX XXXX XXXX XXXX was also sued and shut down for unfair practices in loan collections. I was sued by XXXX XXXX XXXX who used law office Finkelstein, Kern, Steinberg and Cunningham to collect on the debt. I recently furnished the law offices all documentation showing the lawsuits and how I was part of the settlement and also Notified them that XXXX XXXX XXXX closed down, which no notification was sent to me yet they continued to collect payments from me. Now they're saying I still owe the debt and another company bought it from XXXX. I haven't received any paperwork from this new collection agency and I've disputed this debt due to the judgement of the class action lawsuits.
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| 05/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On XX/XX/XXXX, I paid off a Judgement that was against me through Civil Court. On XX/XX/XXXX, I spoke with XXXX XXXX, with Finkelstein, Kern, Steinberg and Cunningham, about getting a Letter of Satisfaction sent to Civil Court Division. XXXX XXXX informed me that the Judgement amount was incorrect and an additional {$4000.00} needs to be added to the amount.
This case is from XXXX and if the amount was incorrect, it should have been stated in Court. Civil Division records are showing I have a Zero Balance and that my debt has been paid in full.
Civil Case # XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX.
This Collection Agency is trying to get extra money from Consumers.
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| 05/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
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On XX/XX/XXXX I received a call from Finkelstein Kern Steinberg & Cunningham of XXXX TN threating me with further legal action if I dont increase my payment on a judgment that I pay on monthly. The judgement was entered on XX/XX/XXXX for two accounts. They were setup on a XXXX XXXX monthly payment for each account. I was never told this was temporary. I was able to pay one account off last month. Now they are demanding I restructure the agreement to pay more. I am currently unemployed and can barely make the {$50.00}. I have most months since judgement paid more than agreed never late nor missed.
|
| 02/13/2017 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
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|
Web |
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In XXXX of 2015 according to XXXX my account was closed out. Their attorneys continue to take money from me through XXXX County courts without XXXX consent. The law firm Finkelstein, Kern, Steinberg & Cunningham robbed me with Bank levies and garnishments after the case was closed and paid off.
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| 09/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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| 08/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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|
| 06/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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|
| 06/08/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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|
| 04/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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|
| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 10/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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|
| 02/19/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 02/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
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|
| 07/08/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 06/14/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 05/05/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/01/2015 |
Yes |
|
|
|
Web |
|
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|
| 04/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 01/08/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
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|
| 12/10/2013 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 09/30/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Servicemember |
|
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