| 12/24/2017 |
Yes |
- Debt collection
- I do not know
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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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I was on the way out from my office a month ago when a guy hand-delivered me a envelope forcing me to take it when I did not want to take things from people I do not know I never dealt with. However the person threw it into my hands and walked away and I did n't know if I should open the letter or not because maybe those me long me Maybe it 's information about a neighbor or perhaps a lot of things which came to mind as why not to open it. Because I could not think of a single idea or reason for opening the envelope.
However, when I came home I told my wife what occurred to me at work and she told me I should open the envelope and see what it is. And if it does not relate to me I should just write a letter that it 's not related to me and send it back from the address from where it came from.
Fast forward I opened the envelope and I will attach to this complain every paper that was in the envelope, I just was n't able to make sense of what it 's about.
On Friday XX/XX/XXXX I meet a good friend which is a criminal defense attorney for 38 years in XXXX XXXX his name is XXXX XXXX and I took out from my purse this envelope and asked him if it 's something to be concerned about or it 's something like a marketing material? because I showed him that I 've never seen something that looks like a marketing material and has my social security number on it and I asked him if he can use his expertise to explain me what this letter is about.
He carefully look and read word by word, and then he ask me if I am aware about XXXX XXXX? I said not at all and ask them what about XXXX XXXX? He replied that this is basically what 's called a default judgement and explain me that it means that if somebody has a debt and he does not pay the debts and then when he 's being called to come to court he does n't show up it will result in a default judgement. I further asked him but what is this default judgment about so he said it 's about a claim that you had some sort of a relationship with a financial institution called discover and they claim that you owe them money for some reason it 's possible that you have a loan from them or a bank account or whatever.
I told him that I have no idea what XXXX is and I have no debts, andn above all who says this is even a true letter? because after all when something is not true like in this case that I have nothing with discover nor did I ever have something with them it is very likely that this letter is also something false.
So we 're he explained me that you will be back in his office and you will check based on the docket number in the court system if it 's real and he called me up telling me that it actually is real and it 's on my name.
So I asked him if he can help me with this. First he calmed me down and told me that nothing can happen to me because I do n't earn enough money, meaning nothing can be taken from me, he then continues by asking me if I ever received letters from I forgot the name he mentioned from a certain collection agency about this XXXX thing. So I told him the truth that I constantly get phone calls every phone call is another marketing called and I simply do not answer phone calls if I do not know who is calling.
He then asked me if I got the letters and the answer is no I did not and the truth is I did n't.
You then asked me if I was served and I responded to him that I have no idea what that means, then he explained me, then I told them that absolutely never happened.
Then he told me here is a few things I can do about it. Number one is to call the phone number on the second page of the attorney which is attempting to collect this fraudulent or alleged debt and make a settlement to pay much less and since you do n't have money explain them that you will need a 20 30 year payment plan and if possible no interest. So I was completely confused and I ask them why should I even pay one penny if this is not my debt so he explained me that at this point it 's a problem because if I would need to hire an attorney to fight this it would cost me {$1500.00} and he then said he would be willing to do it for {$700.00} however he said sometimes I can have more success to settle for less than that amount so he advised me to first try calling and if no success I will have to fight this which he can do for {$700.00}.
I was extremely hurt and I am still very frustrated about the fact that something that is not related to me in any form of way not directly and not in indirectly should lead to something like this we are I simply have no choice but to have some sort of monetary loss. I do understand as he explained me that the process usually works that I get served and then I have to respond and I have to respond and by law I have one year to respond and this is more than one year. Bought the problem begins with the fact which can not be denied that I was not served and because I was not served how in the world am I supposed to know I am being alleged of a fraudulent XXXX whatever it is? And why should I need to pay even one penny from my pocket now when this was definitely a tactic they did on purpose in order to get naive people like me not having an idea what this is to pay because they do not know what the XXXX is going on.
I have no choice and I have to accept the fact that because we live in United States and the financial field dominates the country and they are in control I will have to be among the millions of people that are suffering and I will have to suffer either way. Although I will definitely by no means have to pay you whatever amount they allege that I owe them bought I still have to get rid of this problem which I 'm referring to this letter and the only way to do that is by having an attorney respond to it because I respond to it they will use my naiveness to collect even more money but when an attorney response and they see that someone on the other side knows what 's going on they are very careful and they do n't make these falls allegations.
So I 've decided to try to save myself the {$700.00} to pay an attorney to get rid of this letter by filing a claim here with the Consumer Financial Protection Bureau which is in Miracle for the American citizens with hope that it will end up with the truth which I always say to my children the truth prevails and therefore this nightmare will diminish and disappear and the were wo n't even be a bed to water {$700.00}.
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| 04/06/2023 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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Dear CFPB : I am reaching out to you as a party who feels harassed by XXXX XXXX XXXX XXXX XXXX, and their attorneys at Forster and Garbus. On XXXX and XXXX of XXXX, my mother and I were sued by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, who retained New York attorneys Forster and Garbus as counsel. They alleged that we owed them money. When pressed to provide documentation that these debts were, in fact, owed to them, they provided insufficient paperwork for the XXXX matter, and no paperwork whatsoever for the XXXX matter. Subsequent to the filing of both these matters, XXXX XXXX XXXX XXXX XXXX XXXX inexplicably dropped the matter. We received a stipulation discontinuing action requesting that the case be dismissed with prejudice.
These actions have affected me deeply. I am a former debt collector employed by XXXX XXXX XXXX XXXX and I am well aware of the laws and compliance issues tied to the Fair Debt Collection Practices Act ( FDCPA ). I have felt harassed to such an extent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the extreme amounts of duress these matters have placed on me. As a result of these actions and the undue stress they have placed on me, I am also now on short-term XXXX leave. The compounded stress of a loss in wages and the psychological torment of having started on the wrong foot at what should have been my dream job as a XXXX XXXX at XXXX have created a situation that has led me to reach out to you in order to continue the work that I understand the CFPB had already begun.
Of note, I find it troubling and feel harassed that after a consent order entered into in XXXX of XXXX that, among other provisions, contained an injunction from filing further unsubstantiated lawsuits until completion of an audit XXXX XXXX XXXX XXXX XXXX and Forster and Garbus still managed to file suit against my dear retired mother and I in XXXX and XXXX of XXXX. Was an audit into 800,000 student debts completed between XXXX of XXXX and XXXX of XXXX? How many people are in similar situations having been sued on debts with little to no documentation and this after an injunction? If evidence of chain of assignment can not be identified to its logical conclusion, but aimed at a target anyway, does that not encourage persecution of vulnerable communities? If evidence is not forthcoming when defendants are sued in these instances, what can we say about these officers of the court?
As a former debt collector of an entity that buys third-party debt for pennies on the dollar and then collects on these debts, I find it deeply distressing for many reasons that settlements can be negotiated with unclear evidence of chain of assignment. I remember vividly hearing the distress in the voices of consumers who at one point maintained that they paid some other debt collector for a debt that XXXX XXXX had recently started to collect on. I remember escalating these cases and learning the lesson early on that debts should only be paid after charge-off once chain of assignment can be established. I remember how disconcerting it was to learn that you can make a good-faith payment to Party A, when in fact Party B is the true holder of the chain of assignment, and that that good-faith payment is no valid defense against the true owner of the debt. These actions against me and my retired mother have triggered bad memories of those days, and my powerlessness to do much to aid the consumer except to leave and resolve to educate as many people as I could in my direct sphere of influence.
I also find certain items interesting ; for example, the XXXX XXXX of XXXX XXXX, which is supposed to be representing me, took USD {$2000.00} from me and promised a deposition which never materialized. The attorney assigned to my case is also by happenstance a former attorney for plaintiffs counsel. Are they intent on representing me? Or is there trepidation to involve XXXX XXXX XXXX XXXX XXXX in a flurry of depositions which would force the hand of evidence regarding a debt that XXXX XXXX supposedly hold?
As a former debt collector and a current certified anti-money laundering specialist, I am concerned about practices that are unjustifiable where the evidence is not solidly forthcoming. This does not add up, and has greatly perturbed me during the genesis of my career and has instilled fear in my elderly mother for her retirement in what should be her twilight years. The financial hardships this has imposed on my family are myriad. As a condition of my employment, I need to relocate to Arizona. I have not been able to see this through due to the mental and emotional distress. I have had to go on short-term XXXX leave as a result of a medical diagnosis. XXXX XXXX XXXX XXXX XXXX XXXX XXXX to calm symptoms that are a direct result of these actions. The years that I envisioned at XXXX are now under threat, and what should have been a 20-year career doing what I love to do are now off to the worst possible start.
I humbly request that you investigate this behavior, and remain at your disposition to discuss this and any other matters arising from an investigation.
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| 02/19/2020 |
No |
- Debt collection
- I do not know
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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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When checking my mail on XX/XX/XXXX. There was a notice from the United States Postal Service stating that there was a notice from the Marshall office that I missed and required a signature. Yet while looking through my mail, I found that they just left it without the required signature. I opened the mail that had my name on it and honestly became upset. I called the number for the Marshalls and it was closed. It was an Income Execution, it showed that this what entered in XXXX. I have no idea what debt this is so I contact the number listed at the bottom of the page and find that there office is about to close at XXXX and it is about XXXX. I am transferred numerous times after verying my name and than told I was being transferred to a supervisor even though I never asked for one. Of course I get an answering service and leave a message to be contacted.
I kept trying to think of who this company was and how is it that I being threatened for garnishment when I never went to court. I was never served any papers and this is the first time I heard about this debt.
XX/XX/XXXX I contacted the Marshalls office and was told to call the debt collector and request the affidavit of service and that whomever this debt collector is should be able to validate the time and place this was served and whom it was served too. I was told that regardless i still had to come down to the Marshalls office by XX/XX/XXXX and make a payment regardless of me having any contact with the debt collector so that they can avoid garnishing my paycheck. I waited a few days and called Forster & Garbus again on XX/XX/XXXX and again I am transferred after stating my name numerous times. This time I leave a message and request to be contacted and to receive a copy of the Affidavit of service. At no time has any one called me back about this debt.
On the Income Execution the judgement creditor is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I'm not sure if this is the same company. It stated that th e orignal amount is XXXX and amount owed is XXXX entry date XX/XX/XXXX plus interest from XX/XX/XXXX and transcript filed XX/XX/XXXX in XXXX County.
Since this debt, I have been employed at three different jobs. I now in XXXX receive documentation regarding this matter. I've also lived at the same address since XXXX. I have not even seen this on my credit report so how do I willingly own up to a debt that I have no recollection of.
I called Forster and Garbus again briefly onXX/XX/XXXX and the usual I start getting transferred after verifying my name. I than get frustrated and hang up. I still have not been contacted by any one from Forster and Garbus pertaining this matter whether it be via phone or mail.
Honestly for a few days past and I forgot about it until one of my siblings asked about it and stated that I should file a complaint and keep calling Forster and Garbus. I than called them again onXX/XX/XXXX. I was hesistant because it was XXXX XXXX but to my luck someone picked up. Of course, I was immediately placed on hold and than the usual verifying my name and transferred. By the time I got to the 4th representative, I explained to her that I'm just trying to figure out what this income execution is about and if she could help me I would appreciate it. She stated that I was possibly getting transferred due to the lack of information I'm providing. I stated to her that I was always only asked for my name and than transferred. I asked if she can give her name and she did. She explained to me that my request for affidavit of service has been mailed XX/XX/XXXX and it should have all the information I need. I than asked her what was on the form and she was hesistant and mumbling words under her breath. I asked her if it was on a court paper and she said yes but had a hard time finding what court it was with. This should've been right at the top of the notice, She stated that I signed the document and asked me if I didn't remember it or something. I explained to her that I just needed information from the document that she stated was mailed. She than started stating that she can only advise me to look at the notice when received. She really could not tell me who it was served to or anything so we hung up.
On XX/XX/XXXX, I received a notice from Forster and Garbus with the Settlement Stipulation, it appears that the court information was filled in and not an official court document. My signature is not on the paper and I know for a fact I didn't fill this out. I write numbers a certain way and never make a 7 with a line through it. I did work with the Employer that is listed. I do not recall going to court for this matter and do not believe that this is valid considering it is now XXXX and not even on my credit. I have not been served properly and my request for affidavit of service was never fulfilled.
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| 10/24/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently became aware of an old XXXX XXXX debt/Judgement that is being handled by Forster and Garbus a debt collection agency. They currently have a lien placed on my property as well as collecting wage garnishments. First, it was very difficult to determine who was actually garnishing my wages. Once I was able to determine the order was executed by the XXXX County Sheriffs department, I was then able to determine that Forster & Garbus were the ones garnishing my wages. Much to my surprise an original debt of {$6000.00} ( original judgement amount $ XXXX-XX/XX/XXXX ) had exploded to over {$13000.00} due to fees and finance charges. I contacted Forster and Garbus for assistance with this as my paycheck is currently being garnished for {$310.00} per month and there is a lien on my home. I was simply trying to determine what the debt was, how it had gotten to the garnishment stage and what could be done with it. I was transferred several times before being connected to XXXX. From the moment I started talking to him the discussion was demeaning. He proceeded to quickly ramble off a bunch of dates and numbers. When I tried to ask questions, he scolded me for interrupting him. I respectfully sat back and listened. He proceeded to happily tell me that they were unwilling to work with me on the debt and that they would prevent me from refinancing my home, buying a home or selling my current property. He also proceeded to tell me there was no end date or timeframe in which the debt would be satisfied and the garnishments would end. He continued to infer that they could continue to garnish my wages for an undisclosed period of time. At that time the call ended with discouragement and despair. I have tried to reach Forster and Garbus again several times since without success. Many times they would transfer me over and over and then disconnect me. One time I was transferred several times until it finally reached a voicemail to leave a message. The voicemail did not say a name, only an extension number which I stopped writing down after about the tenth digit. I have also emailed them in hopes to discuss a settlement option and an opportunity to have the lien removed from my house-they have not responded. I have processed an online form to request a settlement offer-they have not responded.
I have several complaints regarding this judgement. First, I was not personally served with the papers in XXXX. The judgement was placed by default. I was then told by Forster and Garbus that I was sent papers in regards to wage garnishment in XXXX. I do not recall receiving such papers. I was also told by them that they sent papers to my company in XXXX to start the garnishment and that my company failed to respond or start the garnishment. Upon further investigation, I have discovered that the papers were not served to my company. They were served to an address in XXXX, NY in which I never worked. My company is located in California. Therefore they were never received by my company and executed ( it is the same company I currently work at ). For six years there was no communication regarding this debt, garnishments etc. which then allowed it to accumulate 9 % interest over that time to the sum of over {$7000.00} of finance charges and counting. Since XX/XX/XXXX I have paid a total of {$5400.00} in garnishments-nearly the amount of the original debt. In XXXX, I was never notified that the garnishments would begin, how much would be garnished, where the money was going and what the balance was or any kind of payoff date. I have not received one single statement showing how much has been paid year to date, how the money is distributed or a current updated balance.
I was literally trying to work with this company to clear this debt if it in fact was owed and move on with my life. I am very discouraged by the unfair practices of this company, their demeaning attitude, their lack of concern to even return my communication efforts and especially their free ability to take my money from my earned paycheck for an undisclosed period of time while collecting exorbitant interest and placing a lien against my property even while they are collecting money from every paycheck. My biggest complaint is the improper service or lack of service of the notifications involved with this. I dont feel confident that even if a resolution were to take place, they would uphold their end of the bargain.
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| 01/04/2023 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I come home yesterday to XXXX letters from the XXXX XXXX XXXX XXXX stating my wages will be garnished for XXXX XXXX private loans from over XXXX years ago that were XXXX by XXXX XXXX XXXX years ago. I contacted XXXX XXXX who forwarded me to Navient who has done nothing, but XXXX XXXX is listed as the plaintiff in this case with Forster and Garbus Collecting.
Forster and Garbus filed a court complaint without serving me or giving me notice. They did this XXXX years after being told by XXXX XXXX this debt was not being collected. The debt was passed to XXXX, opening a door for Forster and Garbus to back door a lawsuit, get a default judgement against me with no notice and then hide behind an income execution also without notice. I have received no complaint, no notice of court date, no notice of judgement and no notice of the execution. My rights were not only violated, they are collecting on a debt that was XXXX by XXXX XXXX and they know it. Here is what I sent to XXXX, waiting for a response : I have contacted XXXX XXXX Customer service department of the advocate who pushed me to XXXX as they claimed my loan was sold to them, therefore have no records. BUT, its XXXX XXXX name on an income execution that is the main issue. Loans that were XXXX over 10 years ago are being collected on by a Forster and Garbus LLC. This company was told over 10 years ago to stop collection and now that XXXX XXXX has no records, they proceeded with the collection and went to court to get a default judgement, never serving me paperwork in the process. I was never given a chance to defend myself. I am being sent from XXXX XXXX to XXXX and not getting any help. I received the paperwork on garnishment on XX/XX/XXXX and it starts 20 days from XX/XX/XXXX according to the paperwork I will attach here. There are XXXX total garnishments they filed for, all of which XXXX XXXX stopped collection on. My email to XXXX is as follows : Hi : My name is XXXX XXXX and I received paperwork yesterday from the XXXX XXXX XXXX office that my wages were being garnished from an old XXXX XXXX loan that was XXXX from a rep over 10 years ago. The company who filed this under XXXX XXXX is an operation named Forster and Garbus, located at XXXX XXXX XXXX South, XXXX XXXX XXXX XXXX XXXX at XXXX New York XXXX and their phone number is XXXX. My complaint is as follows : XXXX. I was never served nor told of this lawsuit being filed ( I contacted the court to determine the next step, filed a complaint with the NY XXXX Attorney XXXX XXXX and filed with the XXXX XXXX XXXX XXXX ) XXXX. This debt was XXXX over 12 years ago and now they are collecting under XXXX XXXX XXXX XXXX as XXXX and agent for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After speaking with XXXX XXXX customer advocates office, I was told to contact XXXX XXXX. Last time this actions took place, Forster and Garbus was contacted by XXXX XXXX XXXX XXXX XXXX office to stop the process while they got things figured out and then stopped collection as these loans were XXXX as not mine. XXXX. My attorney has advised me of steps we can take if XXXX XXXX or now XXXX, does not stop this collection as it was done by going around my legal rights Please, contact Forster and Garbus and stop this process so this can be finally ended! It stopped in XXXX or XXXX, as the loans were XXXX, then I got paperwork saying collection ended. I don't have this letter as its so long ago but it must be in your system. I know Forster and Garbus can be contacted to stop this as it was done before and the XXXX XXXX XXXX said they were a new company so they had no records of me, but you would. I can be contacted at XXXX to answer any questions, but I am also attaching a copy of XXXX of the XXXX Income Execution docs sent to me from the Sheriffs office and received by me yesterday for you to use. If needed I have all XXXX that can be sent. Thank you and time is of the essence as they are collecting this 20 days after XX/XX/XXXX. Please at least get this paused while you search to get this figured out, as this ended 10 years ago. Thank you XXXX XXXX
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| 01/06/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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XX/XX/2019, My ex wife and I was going through a very difficult divorce and we decided to sell our house and use the funds from equity and start over. The house was in my name so I started the process with a realtor and had the property on the market. I decide to start over my life in XXXX, XXXX. I started looking for housing and a new job, I found a realtor in XXXX, XXXX in the middle of XXXX. I explained to her that I would love to sell this property and use the proceeds to purchase a house in XXXX. She was able to get me into an agreement for a property for {$190000.00} in XXXX, XXXX. I also had a position for a new job lined up with XXXX XXXX making {$20.00} an hour, for when my property sold and I made my transition. During the end of the selling process, I got a call from my realtor in XXXX. She stated during the title search they found a lien on the house from Forster & Garbus LLP. I reached out to Forster and Garbus right away to find out what this was about. When I reached out to Forster & Garbus LLP, they were claiming defaming and hurtful things about me and towards me. This was making a very hard and hurtful situation even worst. They forced me into a contract to pay them {$25000.00} of a {$38000.00} alleged debt. They sent my lawyer a contract on XX/XX/2019 at XXXX, this was to lift the lien on the property so that I could sell the property. I sent a debt validation to no avail, they never supplied sufficient information to my lawyer or myself, in order to validate the debt. But I forced to pay to finalizing the deal. Because they took what wouldve be my portion of the equity, I no longer had my funds for the down payment and closing cost. I also lost out of the new job opportunity. I do not agree with their actions, I have challenge the accuracy and integrity of the information 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ). Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and 12 CFR 1006.2 ( ithat a debt collector is any person who uses any instrumentality of interstate commerce or mail in any business the principal purpose of which is the collection of debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due, or asserted to be owed or due, to another.
12 CFR 1006.18 ( b ) ( iiiAny individual is an attorney or that any communication is from an attorney.
12 CFR 1006.22 ( a ) ( b In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section. ( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation.
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| 05/21/2021 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX and XXXX, acting as counsel to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, sued me on two debts that XXXX allegedly came to own. XXXX packages debts into trusts based on the years in which the original debt was incurred, therefore I will be referring to them as the XXXX and XXXX matters. Based on the amounts and because I live in XXXX, they sued me in the Supreme Court of the State of New York XXXX XXXX of New York. I was served papers for these lawsuits in XXXX of XXXX ( for the XXXX matter XXXX and XXXX of XXXX ( for the XXXX matter ). I had my attorneys draft a response to both lawsuits, as I am under the belief that XXXX XXXX XXXX XXXX XXXX does not own these debts.
When we entered into discovery, I received some documentation for the XXXX matter, though not enough to satisfy me as to XXXX 's claim to the original debt. As to the XXXX matter, I received no discovery at all. I found that odd, since I do not recall with certainty the original debtor in that instance. On XX/XX/XXXX, I received a Stipulation Discontinuing Action from Forster and Garbus on the XXXX matter. They dropped the suit. Curious as to why, I found that New York 's Department of Financial Services filed suit against Forster and Garbus a mere 8 days prior ( XX/XX/XXXX ) for " not [ honoring ] requests by consumers for substantiation of debt, that is, requests for information proving the validity of the debt and Forster and Garbuss right to collect the debt. '' They had sued me and failed to uphold even the appearance of their duties as officers of the court to provide discovery, and attested to having reviewed documentation that they did not even provide me in the most high-stakes possible environment - a lawsuit that they themselves had initiated. And they engaged in this behavior knowingly.
It was my understanding that as of XXXX of XXXX, this body ( CFPB ) had enjoined XXXX XXXX XXXX XXXX XXXX from entering into any lawsuit absent an audit that was to determine whether or not XXXX had sufficient paper-trail for Chain of Assignment to substantiate a lawsuit. It was also my understanding that under that agreement, XXXX was to communicate and make clear to counsel representing them that they were not to enter into any lawsuit from that date henceforth until that audit was complete. Either XXXX did comply and its counsel did not heed this order ( there was an internal lapse in communication that led to an extreme collections action such as a lawsuit - a seemingly convenient mistake that would have led to collecting on a bad debt had I not been as diligent as I am ), or XXXX did not comply and its counsel was derelict in providing discovery to me, or the discovery doesn't exist because there was no documentation into the XXXX matter ( the likeliest scenario ).
I am an XXXX XXXX XXXX by profession, whose career has taken him through the process of remediating many shortcomings as a result of consent orders by federal and state regulatory authorities. I have been audited, and in my career I have created many procedures in anticipation of audits. I have wanted to look at this XXXX audit report myself, its methodologies ( whether or not the standards were lax or stringent ), and its determinations with respect to both the XXXX and the XXXX matters. I do not take kindly to violations of consent orders, especially when they lead to adverse actions that harass people who are otherwise going about their daily lives.
Previous to my employment as an XXXX XXXX, I worked for XXXX XXXX XXXX ( XXXX XXXX XXXX ) whose holding company holds major third-party debts ( XXXX XXXX XXXX ). I am very familiar with FDCPA, and coached other call center reps in compliance with FDCPA. Forster and Garbus also sued me ( I was served yesterday, XX/XX/XXXX ) on a debt that I had requested validation for from XXXX XXXX. It is my belief that this law firm engages in serious harassment whenever they are pressed to substantiate any amount of documentation undergirding the debts that they collect on.
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| 08/29/2018 |
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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Forster and Garbus LLC I spoke with the Forster and Garbus compliance department on XX/XX/XXXX, at XXXX ext XXXX after receiving in the mail an Execution of Income ( wage garnishment ) from the Sheriff 's Department of XXXX XXXX, New York ( Index Number XXXX ). I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in XXXX XXXX, New York has expired in addition I was never properly served papers to formally address this issue in a timely matter. This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting and harassing my family and myself by phone on any number, regarding this or any other matter. You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws to remove the wage garnish for this debt and judgment and vacate it. Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I reserve the right to record all phone calls and violations of the FDCPA can result in you or your company being fined up to {$1000.00} or more.
Formal opportunity to address this debt was never offered, therefore I consider this surprise tactic on the companies behalf deemed threatening and abusive. Forster and Garbus have a long list of more than 25 lawsuits against them for this common practice of gravely misleading the consumers. Forster & Garbus, LLP frequently sues consumers for payment of bad debts. Other times, they are found to be engaging in harassing and abusive behaviors such as this and now they have placed me at high risk of losing my job and providing for my family.
According to Forster and Garbus I was personally served documents on Thursday, XX/XX/XXXX, at approximately XXXX XXXX. I was not home on that evening. My family including myself were in attendance at a high school gym wrestling dual to watch my son wrestle. I have witnesses that can confirm this. Again, I never received written documentation about this debt prior to being informed by the Sherrif 's Department of a wage garnish, not a phone call or message. I was NEVER offered the opportunity to address this formally or defend myself.
According to Forster and Garbus, I owe an amount on a XXXX XXXX credit card of {$5100.00}. I do not believe I owe what you say I owe therefore I dispute this debt. This is not indicated on any of my credit reports and I have no recent bills or notices in my possession indicating any valid amounts owed.
I was not properly served, I was not home at the time they indicate that I was. I have witnesses to prove I was not home. I would also like to add this is how I found out about this debt. Forster Garbus indicates they sent mail in XX/XX/XXXX and in XX/XX/XXXX, I have nothing in my possession that could verify this. Again, I have never received anything from Forster and Garbus in relation to a debt or a collection or a wage garnish until today! Complaints filed against this firm the tactics used by this company to collect money is a common unethical practice. I am taking this very seriously as I am now in jeopardy of losing my job! I am the primary wage earner for a family of five and one getting ready to go to college. This is unacceptable and unfair practice.
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| 07/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On Thursday XX/XX/2022 at XXXX XXXX I called XXXX XXXX ( XXXX ) XXXX. This call lasted approximately XXXX minutes and XXXX seconds. The nature of this call is to dispute four items on the credit report I have provided. As of XX/XX/2022 XXXX claims that these four items are to remain on the credit report as they have been " certified to XXXX that the information is accurate. '' Let me add that the information currently reported by XXXX is absent from XXXX 's records. XXXX has removed all four items from their records. During the call with XXXX the representative requested that I contact the " creditor '' s on file as well. In reference to the XXXX item listed on the report, I was told specifically on XX/XX/2022 during a ( XXXX ) XXXX call lasting XXXX minutes and XXXX seconds on a recorded line with a representative that XXXX does not report directly to XXXX but only to XXXX. This is consistent with the fact that XXXX no longer displays the XXXX item on the XXXX credit report in reference to the credit report in question. In reference to the XXXX XXXX mortgage account XXXX claims that the information reported is " Verified and Updated. '' XXXX also claims that " The information you disputed has been verified as accurate. '' In reference to this item I informed XXXX specifically that I contacted the local authorities in reference to this particular item and that XXXX XXXX engaged in identity theft in reference to the creation of this account. The account number that is listed on the XXXX dispute response is inconsistent with the account number previously provided or mentioned in the current mortgage foreclosure proceedings in XXXX COUNTY STATE SUPREME COURT. Furthermore, though XXXX claims that the account is " verified '', " updated '' and " accurate '' there is no reported balance on the account. If the account is opened, verified and updated why is there no balance with a date denoting when it is last updated? When you compare this item with the other items listed on the dispute this is the only item where there is no balance. The balance may very well be null or zero and this would be proof that the account is in fact closed. This item is the subject of previous CFPB complaints namely XXXX where the debt collecting law firm refused to respond to the CFPB complaint and XXXX XXXX another credit bureau agreed that fraud is likely present in the claim. These discrepancies are inaccuracies and violate a debtor 's rights to have accurate information reported on its credit report. The XXXX COUNTY POLICE DEPARTMENT complaint number in reference to the XXXX XXXX account is XXXX. The XXXX XXXX listing is also inaccurate as there is record on file with XXXX XXXX SUPREME COURT that FORSTER & GARBUS LLP is in possession of a negotiable instrument towards the full amount of the outlined debt that they failed to process and/or share with XXXX XXXX that they might process the negotiable instrument in accordance with the law. The same applies to XXXX XXXX XXXX as XXXX XXXX XXXX is also in possession of a negotiable instrument towards the satisfaction of the debt outlined yet failed to process and/or share this negotiable instrument with XXXX XXXX XXXX so that it may be properly honored or dishonored. XXXX is sharing information with the public that is inaccurate and/or false in reference to my credit report. The information in question is already removed from XXXX 's corresponding file. I will do my due diligence and files separate CFPB complaints for each of these " creditor '' s. In respect to XXXX XXXX XXXX we will find out specifically whether XXXX or the representative I spoke with is being forthright as I receive conflicting information over the phone. I'd like to thank the men and women at CFPB for giving the public an avenue to make their concerns public and find resolution when it seems impossible to do so with certain companies.
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| 04/22/2019 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
Servicemember |
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Date of calls : XX/XX/2019 Time of call 1 : XXXX CST ( inbound call from XXXX to XXXX ) Duration of call 1 : 1 minute Call 1 description : I, XXXX XXXX , received a call from female who claimed to be from an attorney 's office representing XXXX. Asked if I was XXXX XXXX, which I responded with by asking what the purpose of the call. The female did not disclose they were trying to collect a debt and said they have to verify my identify prior to providing any information other than the fact they represent XXXX. I acknowledged that my name is XXXX XXXX, which she then started asking for my personal identifying information, home address and date of birth. I provided my address, due to it being public record and nothing else. I refused to provide my date of birth due to possible fraud and she then stated since I am refusing to cooperate and verify my identity, she would " notate the account as a refusal ''. At this point, she disclosed the existence of an account that I had with XXXX without verifying my identity, which is violating my rights as a citizen to not disclose that an account exists. She stated she was only trying to help me, but what occurred next contradicted this.
She disconnected the call abruptly, which is aggressive and harassment. After all, she called to get something from me and then threatened me with the fact she is working for a law firm representing XXXX without providing any other info I immediately called back.
Call 2 time : XXXX CST ( outbound call from me to XXXX ) Call Duration : 18 minutes I spoke with an individual and asked to speak with a supervisor.
The supervisor, XXXX XXXX - extension XXXX immediately said he listened to the call and his representative didn't do anything wrong. I advised him that I understand my rights and this is harassment citing possible violations of UDAAP and FDCPA.
I asked who the representative was and XXXX provided XXXX XXXX extension XXXX. I confirmed the name of the law office they represented, which was Forester and Garbus and the address of XXXX XXXX XXXX XXXX NY.
XXXX asked for me to authenticate who I was so he could discuss the reason for the call, so I provided my name and even my last 4 of my SSN. XXXX still refused to discuss anything with me because I wouldn't provide ALL of my personal identifying information. I advised him that I would be filing a formal complaint with the regulator who enforces the laws he is violating.
Phase 2 - Calls to XXXX to figure out what is going on Date of calls : XX/XX/19 Time of Call 3 : XXXX ( outbound to XXXX customer service XXXX ) Call duration : 13 minutes Call 3 details : I called XXXX immediately to figure out why a law office is calling me and harassing me. Since I have an account with them, I verified my identity, Name, Address, SSN. The representative advised I was past due and need to make a payment. I told her I would take care of it, but have been going through a divorce and not living at my home or received calls or mail. She understood and I then explained that I need to file a complaint regarding the law office representing them, which she told me " we receive a lot of complaints about them '', and that she " just had a complaint regarding them just a few days ago. '' I explained the situation and the rep stated she would be opening up a case. She placed me on hold, which eventually disconnected.
Time of Call 4 : XXXX ( outbound to XXXX customer service XXXX ) Call 4 duration : 13 minutes Call 4 details : I tried to speak with someone regarding my complaint and why I was just hung up on by the previous representative and the XXXX representative hung up on me.
I have not received a call back from either Forster and Garbus or XXXX regarding my complaint. This is a clear violation of the protections the CFPB enforces for the citizens of the United States of America.
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| 11/30/2015 |
Yes |
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- Credit card protection / Debt protection
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Web |
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XXXX XXXX XXXX or Consumer representative, I paid for XXXX insurance on my credit card since day one. I became XXXX and called to make a claim. I was asked by the operator at XXXX XXXX the date the accident happened. They came back and told me I no longer had XXXX insurance as of the accident date and I was " AGED DOWN TO DEATH BENEFIT ONLY '' on that exact date. I argued and got nowhere.
I have always had perfect XXXXplus credit scores. I continued to pay and continued to argue going all the way up the ladder to the Office of the CEO whose secretary of XXXX told me that XXXX XXXX is not XXXX. I called back Credit shield where I was told '' dont let them tell you we are not XXXX..we ARE XXXX ''. I called back and this same secretary told me my account was sold to a collection agency. I heard nothing more. The next thing I heard was my bank account was frozen. There are liens on my home/finances and that FORSTER and GARBUS are the collectors and own the judgments levied against me via default. I NEVER knew about the actions. The then AG of NY XXXX XXXX made an across state VACATE o all FORSTER GARBUS fraudulent default judgements, over XXXX XXXX in NYS alone were vacated. My attorney I had hired prior to this AG action or release even being mentioned had no knowledge of XXXX 's actions, and then sent another lawyer in the firm to represent the case since mine was called to do a TV show that same time and the lawyer filling in on the case represented me as a simple single judgement being placed on me from XXXX and not FORSTER GARBUS class action. Now Forster Garbus could stand there with a proper legal judgement handed down by a judge for me defaulting yet they used the court system laws to illegally obtain the decision since I along with ( NATIONWIDE and later found INTERNATIONAL victims of this crime ) was never notified. I was supposed to be one of the victims helped by AG XXXX 's office and have this vacated. I have tried twice now to get an attorney to assist me in this but as it turns out they perceive it as my attempting to have XXXX lawyer discredit another. I just want this ILLEGAL judgment vacated. Forster Garbus was found to be the number one perpetrators in this crime were found guilty and later so was XXXX for these and other illegal credit card practices and all victims had these judgments vacated.
Forster Garbus has just contacted me again in an attempt to collect this illegal judgement making me still a victim and they still guilty of this illegal judgment on behalf of guilty XXXX as reported again XX/XX/2015 for over XXXX XXXX XXXX was ordered to refund card holders. I have NO one who will assist me here on this. I need someone to act on MY behalf and retro add me to the AG class action. These criminals have been acknowledged by NYS JUSTICE and ALL their judgments VACATED. Will you help me? If you check my credit history you will see I am never late and always take care of personal business. IF I had received ANY notice of court action I would have been in court presenting every statement showing the Credit shield payments nor would I EVER have allowed myself to be " AGED DOWN '' and on the exact date of the accident either. Its a lie and also unconstitutional to discriminate for age. I am a victim of a well documented crime that has used the court system to do it. Not only for me but a change must be made in legally being served in that a person being served for a possible default must have the defendants signature on the notice to prove being served so this cant happen again. I would have been in court with ALL MY PROOF had I been served and that is why XXXX were not notified. Again, I hope you will help seeing as FORSTER GARBUS are at it again and again I am a victim of the legal system they illegally used
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| 09/29/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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On XX/XX/2020 I mailed a negotiable instrument ( check, money order, federal reserve notes etc ) to an attorney XXXX XXXX XXXX at FORSTER & GARBUS LLP in regards to a XX/XX/2020 court order signed by XXXX XXXX XXXX of XXXX XXXX XXXX XXXX in reference to a credit card account # XXXX. I sent all correspondences through a disinterested third party, a Notary Public evidenced by certified mail tracking and return response. I did not dispute any of Ms. XXXX 's facts or the ruling made by the judge but sought to honor the debt that is outlined. After sending a negotiable instrument toward the satisfaction of the debt I gave Ms. XXXX 30 days to respond through the notary that she had removed the debt from the public registry or had a reason why she could not. Ms. XXXX did not respond to that first correspondence. On XX/XX/2020 I sent a Notice of Non-response and Opportunity to Cure to MsXXXX XXXX through the Notary Public to give Ms XXXX an opportunity to cure the error or state why she was unable or unwilling to do as required by my correspondence and law that she relied on for not doing so along with a second negotiable instrument toward the total satisfaction of the debt. I gave Ms XXXX ten days to respond, she did not respond to the notary. Ms XXXX and FORSTER & GARBUS LLP after receiving both the first and second mailings did not cure their dishonor, did not send a notice stating that they did not receive the mailings or that they needed more time nor did they send a notice of dishonor from a qualified party excusing their refusal. I then sent a Notice of Default to Ms. XXXX and FORSTER & GARBUS LLP through the Notary Public in regards to the matter and gave them an opportunity within ten days to do as required by the first correspondence or state a reason why they failed to do so. Again, they failed to respond. A final correspondence was sent to XXXX XXXX and FORSTER & GARBUS LLP in the form of a Confirmation Letter as well as all of the previous correspondences. The law states that one must respond to a business letter when it is received in a reasonable time and if not the recipient of this letter is forced to adopt the declarations made in that letter. A negotiable instrument once presented towards the complete discharge of an obligation must be accepted and if not a notice of dishonor must be sent to the sender giving the sender an opportunity to correct their error. Ms XXXX and FORSTER & GARBUS LLP did not respond in regards the negotiable instrument ( s ) they received towards the complete satisfaction of the debt. By law the debt is discharged. XXXX XXXX XXXX and FORSTER & GARBUS LLP are in violation of many laws mainly those of the Fair Debt Collection Practices Act that oversees the conduct of debt collectors of which FORSTER & GARBUS LLP claims to be publicly. The entire process I have recounted is evidenced by Notary Public and under seal. The agreement reached between FORSTER & GARBUS and the debtor on file is made under full commercial liability and witnessed not only by the aforementioned Notary Public but the United States Postal Service as well as a United States Government Official who will is named in the correspondences pertaining to this matter. If any claims that the balance on the account referenced by # XXXX is anything other than XXXX and that it is not closed please forward the email, letter, fax etc to me as this is evidence of violations to the Fair Debt Collections Practices Act and subject to fines.
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| 04/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I have been trying to pay my debt off with them for over 2.5 years and every time we come to an agreement, they go ahead and take 2-3 months of payments, either over the phone or on autopay, and then stop.
When you call them to ask why the payment wasn't debited, as discussed, they say that I can just go ahead and pay using their online portal, which wasn't the original agreement and also never worked.
They then proceed to tell you that they can no longer accept the original settlement terms, but that they're willing to renegotiate for a new settlement. The " renegotiation '' inevitably ends up being higher, or roughly equal to the original settlement amount, even though I had technically paid down the account for three months based on the former settlement terms -- their reason being that the account has now accrued interest and is out of the settlement terms because of the " delinquent '' payment.
I have gone through three rounds of renegotiations with them, and each time, the same thing happens. I also get " reassigned '' a new representative for each new settlement, that is totally in the dark about the entire case, which makes no sense.
This has been one of the most frustrating and frankly, predatory situations that I've ever had to deal with.
In XX/XX/XXXX, I was contacted by another law firm XXXX XXXX XXXX ( XXXX XXXX Debt Negotiation Specialist ), claiming that she was retained to resolve a " failed payments '' situation with Forster & Garbus. Her note said : " We received notice that you have failed on your payments under the settlement.
Please contact the creditor 's counsel and address this issue or opposing counsel may enter judgment and start collection efforts. '' I then responded to her with proof ( including my bank statement ) that I had paid the settlement terms and that the money was deducted from my account.
After this, I tried to contact XXXX directly, but they said they couldn't help because the account was already in collections. I tried explaining to them that I had been trying to pay but was not being given the option to, and understandably, they explained that it was no longer their issue.
Which brings us to XXXX, XXXX.
We are trying to sell our house and this account is now showing up as Judgement against me in the amount of {$7000.00}. The original debt was {$5700.00}. I have called Forster & Garbus incessantly to get this situation squared away, but every call leads to being told that I need to be transferred to a different rep, who ultimately ends up " being away from his desk '' or I just get put on hold, at times for over 20 minutes.
I am truly at a loss here and I am hoping that the CFPB can help bring justice to this situation.
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| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Businesses that provide consumer information to credit reporting agencies have obligations under the Fair Credit Reporting Act ( FCRA ) to ensure compliance with certain procedures and protect consumer privacy. Accuracy of Information is required by law. Businesses must ensure the accuracy of the consumer information they provide to credit reporting agencies. They should have reasonable procedures in place to verify the accuracy and completeness of the data they furnish. If a consumer disputes the accuracy of the information, businesses are obligated to conduct a reasonable investigation. They must review all relevant information provided by the consumer and correct or delete any inaccurate or incomplete information. The fact remains that the name reported by both XXXX XXXX XXXX as well as XXXX XXXX is not my legal name. The nature of the information concerning these accounts is also inaccurate. I have made numerous disputes with XXXX XXXX to remove the inaccurately reported information but with no success. My next step is litigation and this complaint is simply an opportunity to demonstrate before a XXXX XXXX judge or administrator that a final attempt is given to the offending organizations to comply with the law that oversees their actions. I provide with this complaint my American passport book and card as well as my apostille birth certificate bond. The legal first name is XXXX. THERE IS NO MIDDLE NAME. IF A MIDDLE NAME IS RECORDED IT IS XXXX AS SEEN ON THE BIRTH CERTIFICATE BOND. There is no legal basis for the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX. The debt collectors XXXX XXXX XXXX as well as FORSTER & GARBUS LLP are utilizing this false information for personal gain. These debt collectors claim to represent these credit card companies but in fact they have purchased these debt obligations in an attempt to collect on them. FORSTER & GARBUS LLP in particular claims to represent XXXX XXXX by way of a default judgment in a XXXX XXXX XXXX XXXX yet is unable and/or unwilling to join themselves to a XXXX XXXX Supreme Court case where XXXX XXXX is named as a potential creditor. This is index # XXXX. The fact that XXXX XXXX and/or FORSTER & GARBUS LLP remains unable and/or unwilling to collect on a default judgment rendered almost four years ago speaks volumes to the frailty of said judgment as their claim is also subject to collateral attack. I reserve my right to pursue any and/or all offenders to the fullest extent of the law. I'd like to take this time to thank the men and women at CFPB for their efforts toward protecting the public.
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| 07/14/2021 |
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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My name is XXXX XXXX and I am writing this letter to complain of the constant harassment I receive from Forster and Garbus, LLP.
First, Forster & Garbus, LLP recently sued me for this same account and the action was dismissed ( attached ). This case was dismissed by the same creditor and attorney on XX/XX/XXXX. I explained this remained unpaid due to my wife loss of employment and I had to make a decision at that time to pay for rent, food and take care of my children or pay XXXX ( please see attached of my wife previous job letting her go ).
In addition, a garnishment was recently filed in court and signed by XXXX XXXX, XXXX XXXX on XX/XX/XXXX and I was never notified by court ( attached ). However, the documentation was mailed out to me by Forster and Garbus and the XXXX, XXXX XXXX on XX/XX/XXXX and didnt actually arrive to me until XX/XX/XXXX which allowed more than two weeks to go by and not providing me with enough time to respond within a proper time frame ( attached are envelopes with postage date of mail out from XXXX XXXX and Forster and Garbus, LLP & date letter actually arrived to me ) this failure to proper notify me within a decent time frame providing me with less time to file an appropriate objection to the wage garnishment.
As mentioned previously, I also never received notice from the court that a wage garnishment was filed in my name. I am entitled to allow sufficient time to file an answer without any malicious intent involved.
The creditor nor the XXXX, XXXX XXXX followed proper procedure by failing to give me timely notice of the garnishment and therefore I am objecting to this garnishment.
Moreover, I have filed a complaint with the New York City XXXX XXXX XXXX against XXXX XXXX XXXX for failing to follow proper protocol and also for providing paperwork with the wrong index number to intentionally keep me from filing my answer on time. I ask help from CFPB regarding the ongoing harassment I keep receiving from Forster & Garbus, LLP over the years and to now for them to file a lawsuit and not properly notify me is illegal.
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| 01/16/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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XXXX, 2019. I was at the end of a divorce. My wife and I were selling our house, so we can go our separate ways. A week before the closing, the title search came back with a lien on the property. Forster and Garbus LLP was suing me on behalf of a company that alleges I had a contract with them, I requested time and paperwork so I could address and validate this information. They said I missed the court date, but no notification/mail was ever delivered to me, I asked them for proof of a signature of delivery. I never got that proof or anything relevant to show that a summons was sent to me to appear in Supreme Court, or that I owed this alleged debt. The bad thing about this situation, I had a new job situated and was suppose to close and purchase a new house in XXXX, Fl. Once the house sold, this debt collection strong-arm tactic from Forster & Garbus LLP XXXX forced me to settle with them for {$25000.00} in order to continue with the sale of the property, this processed took the closing from a week away to three and a half months later to the end of XXXX. I wasn't able to start my new job and I lost out on the sale of my new property in XXXX, Fl. The proceeds from the sale of the house which was suppose to come to me was {$32000.00}, that went to Forster and Garbus which was {$25000.00} and I no longer had enough or any funds to place as a downpayment for anything property and moving fees. I was jobless and homeless for awhile, I had to move in with friends and family in order to get back on my feet. Forster and Garbus LLP states that they are lawyers but at the bottom of the paperwork they provided it clearly states in all caps ( PLEASE NOTE THAT WE ARE REQUIRED, UNDER FEDERAL LAW, TO ADVISE YOU THAT WE ARE DEBT COLLECTORS AND ANY INFORMATION WE OBTAIN WILL BE USED IN ATTEMPTING TO COLLECT THIS DEBT. ) 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) ( b ) False, deceptive, or misleading representations.
( XXXX ) A debt collector must not falsely represent or imply that : ( iii ) Any individual is an attorney or that any communication is from an attorney.
|
| 05/08/2015 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
Older American |
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I used to carried a XXXX credit card from XXXX which I used to purchased couple of watches and some wearing in the XXXX. When I bought my first home XXXX, I charged a freezer, TV, vacuum cleaner and few air conditioners which added my bills up to {$2200.00}. I have been paying this credit card monthly bills since I first charged it up to XXXX without any additional charges. When I lose my house in fore-closure XXXX XXXX and moved into my daughter 's home the same year and could n't afford payments of my personal bills due to six months suspension from work and limited income, XXXX sent my bill to collection agencies that started to harassed me for payment. By XXXX they added new interest and took my below {$1.00}, XXXX bill up to XXXX. This action forced me to make a monthly payment plan for about {$40.00} which I paid up to the end of XXXX at which time they urged me to increase my monthly payment in XXXX or face more charges because my current payment was small. It was at this point I informed the NYS Attorney General 's office about this bill. NYS Attorney General 's office told me, ( if you have been paying this credit card bill since XXXX to current, we believe you have enough on this credit card bills, if the collectors continues to harassed you, gathered their information and forward it to us. ) When I told the collection agency to forward to me the necessary information, they calling me. To my surprise, especially when I have retired effective XXXX/XXXX/XXXX, this new collection agency, ( Forster & Garbus LLP, a XXXX Law Firm, XXXX XXXX XXXX, XXXX, NY XXXX, XXXX. XXXX XXXX XXXX, ) has garnished my retirement checks and received payments of {$300.00} up to current until I pay to them {$3.00}, XXXX. XXXX, thru a court writ that I did n't received or served a copy. My request is that, I believed they have wrongfully garnished my retirement checks, has billed me more than what I ever owed to XXXX, must stop all future garnishment, and they must pay me back every cents received. Thanks. I look forward to hearing from you soon.
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| 12/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Dear Sir and Madam, The reason I am sending this complain regarding a company name : XXXX and XXXX XXXX.
The first time I ever heard from this company is that I received a debt letter over the mail from them claiming I owe them : {$4600.00} around XX/XX/23.
I have No Business Relationship with XXXX and XXXX ( lack of standing ) or sign any contract agreement with them.
They did not provide me proof of the debt including validation notice from the XXXX days of the first contact.
My understanding is that If the collection agency failed to validate the debt, it is not allowed to continue collecting the debt.
Please see XXXX XXXX XXXX XXXXXXXX After I reply back to them ( XX/XX/23 ) in the 30 days respond under the law term with a Verification of Debt Request, they provide with some documents with lots of missing/lack information. Here is some of the missing info : 1 ) Failure to respond by not providing all document requested from the Verification of Debt request sent to them via priority mail.
2 ) Did not provide proof of license in the state of NYS to collect Debt 3 ) Did not provide or Tell me when the creditor claims this debt became due and when it became delinquent.
4 ) Identify the date of the last payment made on this account with the original creditor.
5 ) Chain of Titles/Chain of Assignments 6 ) The name of the creditor to whom the debt is currently owed ; the account number used by that creditor, and the amount of the debt.
7 ) The amount and age of the debt, including a copy of the last billing statement with date sent to me by the original creditor.
8 ) Provide me with proof of Good Standing under the laws of New York and the Secretary of State along with information regarding your Registered Agent for Service of Process.
Please see also the enclosed copies of letter from them including the response and the verification debt request sent to them.
Thank you for your consideration in this matter.
Sincerely, XXXX XXXX
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| 04/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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THIS COMPANY IS A COLLECTIONS ATTORNEY AND THEY ARE WRITING ME AT AN ADDRESS I DO NOT LIVE AT AND I DO NOT APPRECIATE PEOPLE I KNOW HAVING MAIL FOR ME AT THEIR HOUSE WHEN I DO NOT RESIDE THERE. ALSO THIS COMPANY IS SENDING THEIR COLLECTION LETTERS TO ME FOR AN ACCOUNT THAT DOES NOT BELONG TO ME AND I WANT THEM TO CEIST AND RESIST FROM CONTACTING ME ANY FURTHER. I AM DISPUTING THEIR DEBT AND CONFIRMING THAT I HAVE NOT HEARD OF XXXX XXXX XXXX XXXX AND I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX XXXXIS COLLECTION ATTORNEY IS OBVIOUSLY SKIP TRACING ADDRESSES AND ASSUMING I LIVE THERE AND IT'S WRONG AND SHOULD NOT BE ALLOWED. HOW DARE THESE PEOPLE WRITE ME AT ADDRESSES I DO NOT OWN NOR EVER LIVED JUST SO THEY CAN TRY TO MAKE A DOLLAR COLLECTING! I AM ALSO REPORTING THESE XXXX TO THE COLLECTION AGENCY THAT HANDLES THEM AND REPORTING THEM TO THE FEDERAL TRADE COMMISSION AS WELL BECAUSE I WILL DEFINATELY PUT A STOP TO THIS XXXX AND I MEAN RIGHT NOW. I ALSO CALLED XXXX AND XXXX AND NEITHER ONE OF THESE XXXX PHONE # 'S WORK FOR THIS COLLECTIONS ATTORNEY. WHAT KIND OF ATTORNEYS ARE THESE THAT THEIR TELEPHONE NUMBERS ON THEIR LETTERHEAD DOES NOT WORK. I MADE SEVERAL ATTEMPTS TO CALL THESE XXXX AND THE PHONE NEVER RINGS AND DOES ABSOLUTELY NOTHING TO ALLOW ME TO COMMUNICATE WITH THESE PEOPLE BUT YET THEY HAVE THESE NUMBERS ON THEIR LETTERHEAD AND THE NUMBERS DO NOT WORK AT ALL!!! I WILL NOT ATTEMPT ANY FURTHER CALLS TO THESE PEOPLE NOR WILL I COMMUNICATE ANY FURTHER OTHER THAN MY COMPLAINTS REGARDING THEM AND MY COMPLAINT DISPUTES IN REFERENCE TO THEIR BOGUS CREDITOR DEBT THAT DOES NOT BELONG TO ME!! I DO NOT LIVE AT XXXX XXXX XXXX XXXX XXXX NY XXXX AND I SUGGEST THAT THESE XXXX DISCONTINUE WRITING ME THERE OR USING ADDRESSES OTHER THAN THE ONE ASSOCIATED WITH THE ACCOUNT DEBT THAT THEY ARE COLLECTING ON. HOW XXXX IS THIS TO WRITE AT A COMPLETELY DIFFERENT ADDRESS THAN WHAT IS ON THE ACTUAL RECORDS???
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| 12/06/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XXXX, I tried accessing my bank account and noticed an amount of {$4400.00} was withdrawn plus a {$120.00} bank levy surcharge. After speaking to a rep of XXXX XXXX they told me that I had a restraining supeona that stated I owed {$2200.00}. XXXX served to them from a debt collector known as Forster & Garbus LLP. They gave me a number to contact the company in which I did. I finally got through to a live person on Tuesday after leaving voicemails prior and was told there was a judgement from a XXXX XXXX bank from 2011. I then told them I was never served or had a debt with any one from XXXX XXXX XXXX. XXXX XXXX at Forster & Garbus said it was from a prior attorney, in which they got the info. I have been asking for proof of this judgement for over a week as to I need to access my banking and XXXX XXXX will not release the funds until they respond to them. I received a notice in the mail in which XXXX XXXX received from Forster & Garbus which states its from The People of The State of New York. Not a true subpoena, as this was not served to me at all from any sheriff in NY and which was never served to me. When I asked for proof off the so called judgement I was told they are waiting on another law firm to get them that info. They do not have it. At this point, XXXX XXXX is holding my money and taken away all my banking privileges and I have no proof of any judgement in which the company Forster & Garbus is stating that there is on me from a debt that shows a date of 2011. How can Forster & Garbus put a complete bank levy on my accounts with no paperwork or proof of debt? I need help in freeing up my bank funds as my paycheck goes into this account as well as bills bouncing that are set up to go through the account electronically. Please let me know if I can send a copy of the bogus debt collectors subpoena as it was never signed off from the courts.
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| 06/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
Servicemember |
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Foster & Garbus , LLP, is a collection agency operating as a Law Office. Pursuant to 15 USC 1692e ( B ) ( 3 ), A lawyer ( s ) can not operate as a debt collector. By Foster & Garbus serving me with court papers and issuing a lien where I domiciled, made finances very difficult on my personal life, a unrebutted Affidavit of Truth was sent to them asking them to validate the debt. Instead of them responding back to me, they sent the CFPB a letter, which I have included in my documents to show. Forster and Garbus is a debt collector operating as a law firm, that false and misrepresentation. Which is illegal, forced and tricked me into paying a debt that they allege I owed, to get a lien removed from where I domiciled. By serving me and having me to believe I was in a actual legal suit, Forster & Garbus , LLP was in violation of 15 USC 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. And ; On XXXX XXXX XXXX, the Department of Financial Services ( DFS ) announce charges against Forster & Garbus , LLP, Debt Collector for unlawfully pursuing debts after failing to prove right to collect. This a practice of Forster & Garbus, LLP and in XXXX XXXX, the unlawful acts finally caught up to them. I have asked them to provide proof pursuant to 15 USC 1692g, request to validate the debt line by line and I have not received that information as yet.
This is the 2nd notice being sent to Forster and Garbus LLP, requesting them to validate the debt, let the record show that Forster & Garbus LLP. Received my documents via certified mail on XXXX XXXX XXXX which they signed for and instead of responding to me the consumer. They responded to the CFPB and their response is labeled Exihibit B, also notice they did not respond or attempt to answer any of the question pursuant to 15 USC 1692g Validation of Debt.
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| 07/07/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Trouble with how payments are handled
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Web |
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In XXXX 2014, I filed a complaint against XXXX when the account was referred to XXXX XXXX on XXXX XXXX, 2014. The account number is # XXXX. In their response XXXX XXXX said, " We have notified our client of your concerns and have ceased all collection efforts. " In the last paragraph they stated : '' XXXX has currently discontinued all collection efforts of this account and we have notified our client of your concerns and your desired resolution regarding this account. '' Shortly, after that I received an undated letter in which a copy of two pages from my private student loan application was enclosed. I 've provided this information as attachments below. I 've never received another thing from XXXX XXXX or XXXX XXXX until recently.
I 'm not sure when the account was referred to Forster & Garbus LLP but as of last week, I have been aware that there is a summons against my mother and me in regards to the XXXX Student Loan. I am named in the suit along with my mother but the digital summons was mailed to my mother 's address. I was never sent anything to my home address in New Jersey yet, I am pretty sure XXXX has my home address on file especially based on the information I provided in my last complaint.
Of course, since I filed this complaint I 'm pretty sure Forster & Garbus LLP will try to twist everything around to make everything look as it is our fault. I guess because they are lawyers, they think they can coerce anyone and bend the laws in their favor because the average person does not really understand the laws. Believe, I 've been down this road several times so I know the deal! You are not going to tell me it 's okay, to send a summons at another address, out of my jurisdiction, so they can try and place a judgement against me! I do n't think so and I do want to be compensated for this!
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| 08/15/2017 |
Yes |
- Debt collection
- Private student loan debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I started having communication with Forster and Garbus years ago ( ca n't recall exact date ) when they acquired my account. I tried to arrange payments, but they wanted {$2000.00} before they would speak to me. If I had that, I would not have been in this position in the first place. My original loan with XXXX XXXX XXXX was for {$25000.00}. They came in with a figure of {$29000.00}. After taking me to court, we had settled on a no-interest payment plan. We also had my father removed from the loan as his signature was not legit and was on this document. With hardships at work, I could not afford the payment. After a few months, I received a letter that my payments were to be made to the XXXX County Sheriffs Department. It was to be 10 % of my weekly gross pay. I was paying {$50.00} a week, but had to by Certified Check or Money Order. This was costing me about {$55.00} a month. After sometime, it be came difficult to pay on my low salary with my other bills. After a few more months, my salary was garnished to collect fees weekly, leaving my strapped once again. I had since left that career and sent payment when I could to the Sheriffs Department. Last payment was for {$50.00} plus a {$10.00} bank fee for a Certified Check and that was on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating " We are in the process of searching for assists to satisfy the judgement against you. If non-exempt assists are located, we may send the judgement to an enforcement officer for execution against said assists, unless we can make a satisfactory arrangement to resolve this matter ... '' To try and avoid this, I made an online payment to Forster and Garbus for {$25.00} on XX/XX/XXXX. I also sent an email to try and make an arrangement to avoid any more harassment or enforcement attempts against me.
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| 10/12/2022 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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Forster & Garbus filed a lawsuit against me at an address I haven't lived at in 4 years. I called the court and let the courts know, and they put a note in my account and also requested that all dates be virtual going forward and they told me to call Forster & Garbus to find out what the lawsuit charges are for. I then called Forster & Garbus to let them know that I do not live in NY state. I also knew nothing about the charges so I asked them what the charges are for. They read off a creditor name that I did not recognize and asked me to pay somewhere upwards of {$3000.00} for the charges ( despite me never seeing a breakdown of these charges ). I informed them that I live across the country, and have for XXXX years. I then asked for the dates of these charges, and the date of delinquency/last payment. They said the date of delinquency was in 2015, which would be past the NY State statute of limitations, which is 3 years. They also never provided the documentation to prove the debt. When I brought this up, the person I spoke to, got agitated when I brought this up, and said they were not a lawyer. I then asked to speak to the lawyer, as I'm a pro se self represented litigant. She said " he's not here right now ''. I mentioned the statute of limitations again, and they tried to strong arm me and give me an ultimatum to pay them, or " just go to the courts then '' knowing I live across the country ( in a completely different zip code ) and I would spend more money on plane tickets and transportation to even get there and back. I also have a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and can not just fly whenever I feel like it. I have to speak to my doctor who will then tell me if it is safe to fly. I can provide my hospitalization records to show that, if needed.
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| 01/10/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/XXXX, my mother was handed a letter for an income execution that was against me sent by Forster & Garbus. XX/XX/XXXX We immediately contacted Forster & Garbus and eventually were informed that this stemmed from XXXX XXXX, a credit card that was opened in my name in XXXX! I informed XXXX XXXX at Forster & Garbus 's Fraud department that I have never had such or credit card. In fact, this was the very first we had even heard of such a credit card. I am a victim of identity theft. Whoever opened this credit card put down an address I've never lived at, and listed an employer for whom I have never worked. Therefore, all prior attempts to contact me never reached me else I would have had a chance back in XXXX to dispute this when it first was filed with the sheriff 's department for income execution. Research shows XXXX XXXX has been a defunct company for more than 10 yrs.
XX/XX/XXXX, I filled out an Affidavit of Fraud, on XX/XX/XXXX Forster & Garbus decided it was a vaild debt no matter what we had stated. XX/XX/XXXX filed an Identity theft report with identittheft.gov, and put alerts on my credit report. We contacted the State Police regarding the matter but we were informed the statute of limitations was up to even arrest anyone.
XX/XX/XXXX, Forster and Garbus have now located my actual employer and a wage garnishment is pending. I have requested repeatedly for proof of the debt and informed by Forster & Garbus there is no paper trail. No copies of any such statements, no copy of the alleged credit card application. Oddly enough, this appears no where on my credit reports causing us to wonder if this isn't a scam debt. Despite all this, there is now a pending wage garnishment for {$3100.00} for a debt I never incurred from XXXX
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| 10/19/2023 |
Yes |
- Debt collection
- Private student loan 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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In XX/XX/XXXX, I received court documentation on a XXXX loan with XXXX XXXX XXXX loan from Forster and Garbus a debt collection company in XXXX XXXX, New York. In XXXX, we began receiving threatening phone calls from XXXX XXXX XXXX in regards to these loans stating court action would commence if not paid. In XXXX, the excessive phone calls started again stating that legal action would be taken if we again didnt pay on a set schedule. We were told that the only way to avoid legal action against us and court intervention etc. etc., would be to sign an agreement to pay on a set schedule on these loans. In XX/XX/XXXX, we again received notices to sue. What aroused suspicion was that court documents were altered, dates were hand written in. Contacted XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX to validate notice and was informed that index numbers were expired and there was no county clerk name or signature on that court document. I contacted Forster and Garbus to request all documentation associated with this matter, and was bounced around between them and XXXX XXXX who claimed to have no record of me. I requested documentation again from XXXX & XXXX and was told They do not do that, and was again told to pay to avoid legal action against me. I Researched and realized that they and XXXX XXXX are already embroiled in a legal matter in which they are, as they are doing to me, threatening people to legally collect on debts that originally exceeded the statute of limitations, using bully tactics to sign agreements and sending false court documents that were altered with expired index numbers threatening legal action on an old debt.
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| 02/14/2022 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I had 3 private students loans from XXXX that were originally through XXXX XXXX. I was sued in XXXX. Myself and my father were threatened with tax liens on my parents home and back account freezing which forced me to begin to pay the XXXX XXXX XXXX XXXX department to avoid harsh penalties. My husband lost his job leaving me unable to continue to pay the loans off. The collections agency continued to try and get payments but refused anything I offered saying it wouldn't be enough on the principle balance. I do not feel these loans should have legally been able to be collected in the first place due to the statue of limitations being reached but I was scared because of what I was being told. I eventually was able to settle and get a payment plan but only after I had to get a lawyer to communicate with Fortser and XXXX. The payments that were settled on were still very high, and I was able to squeeze payments out for about 2 years but when Covid hit my husband lost his job again. I do believe the initial loans were predatory to begin with as the XXXX XXXX accounts office only handed private student loan information out for one bank. I was the first person in my family to go to college so our education on the financing piece was not great at that time. We were not given any support on understanding at that time. We were told that it was our only option if I wanted to go to school there. I am hoping that something can be done, since I do not feel the bank or collection agencies had a right to collect the payments to begin with.
|
| 05/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Forster & Garbus LLP representing XXXX XXXX XXXX XXXX violated NYS Banking Usury Laws by charging 25 % interest rate on an alleged debt. The authenticity of the contract along with other documentation provided to us is in question, especially when none of them shows the actual Bill of Sale or Assignment of the original lender on the contract " XXXX '' to XXXX XXXX XXXX ( XXXX ), XXXX with the account number XXXX. There is documentation showing the said account highest balance of {$7400.00} and on our credit report there is a judgment of almost {$17000.00}. We have requested an itemized description of all debits, credits, charges, including interest rates and attorney fees but we have not gotten any documentation showing how they arrived at the final sum or any paperwork with itemized deductions or credits, etc. from " XXXX. " More importantly, they have violated the FDCPA laws by1 ) Not ceasing all collecting activities upon request for verification of debt.
2 ) Has failed to provide an explanation of debt3 ) XXXX XXXX, a customer service representative from Forster & Garbus LLP was extremely rude on the phone when asked to explain why collection activities were still going on and we have sent a validation letter4 ) The service provided or lack thereof, resulted in additional damages to our credit, personal income and health5 ) They never initially informed us that we had a right to dispute the debt6 ) unethical collection practices
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| 10/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On the XX/XX/2019 my XXXX XXXX Checking account was frozen by the State of New York XXXX County Supreme Court through a restraining notice with a subpoena. A Levi # XXXX of {$8000.00} plus a Processing fee of {$120.00} was removed from my checking account. This process was initiated by Forster & Garbus , LLP, Collection Attorney located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; Telephone Number XXXX ( XXXX ) XXXX ; Website : XXXX : XXXX.
To date I have never received any correspondence of debt and if debt existed never had a chance to litigate a complaint ( never received ) to request documentation from the creditor ( who is unknown at this time ) or even dispute the amount owed, if I do, and who I owe it to ( at this time unknown ). If I did have a unpaid debt ( at this time unknown ) I never had any chance to negotiate with the creditor.
I tried numerous times to contact Forster & Garbus , LLP, Collection Attorney but to no avail.
This has caused a hardship for my wife and I since I forfeited this money unknowingly and bills that need to be paid to sustain my wife and I survival is now in jeopardy surprisingly losing this money.
Finally, while doing my homework, I discovered that the BUREAU OF CONSUMER FINANCIAL PROTECTION Filed Suit Against Forster & Garbus , LLP, in the UNITED STATES DISTRICT COURT XXXX DISTRICT OF NEW YORK ... ... XXXX XXXX XXXX Thank you for your time looking into this matter ... XXXX
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| 07/26/2023 |
No |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
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Web |
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XXXX XXXX has claimed private loans were sold to XXXX, then XXXX refuses to deal with me, as they were sold off to Forster and Garbus collections in NY State. As per my understanding, the following has taken place and applies to me : To qualify for discharge under the XXXX settlement, a private student loan must have been originated between XXXX and XXXX by XXXX XXXX ( XXXX XXXX ) and must have been charged off by XXXX as of XX/XX/XXXX. Additionally, the loan must meet one of three conditions.
The borrower at loan origination had a XXXX score below XXXX and attended a for-profit school or below 640 and attended a non-profit or public school The loan was used to attend of the for-profit schools included here under # XXXX.
The loan originated under XXXX XXXX opportunity or Recourse program.
I did have a XXXX score under the 640 and attended a non-profit school within the time frame of these loans being offered. Forster and Garbus, through XXXX XXXX and XXXX, is still collecting on these even though this took effect over a year ago! In other words, XXXX and XXXX jumped on this in XXXX, knowing this was NOT supposed to take place.
Dealing with this group is very difficult. They never act forthright, use courts to intimidate and bully, collect on my pay through back door means and likely bought this debt for pennys on the dollar, yet are collecting it all!
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| 04/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
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Web |
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I took out a personal loan with XXXX XXXX in XX/XX/XXXX. I wasn't able to continue paying the high monthly payments. Eventually, my loan was charged off. On XX/XX/XXXX, I received a letter from Forster and Garbus informing me that they are taking over collecting on the loan. I do not want to deal with Forster and Garbus because several years ago they filed a judgment against me for a different debt. They sent court documents to me several weeks after the court date, which I wasn't able to appear in person due to them sending me court papers after the fact. Furthermore, without prior notice they had placed a bank levy on my account and began garnishing my wages. In addition, they had harassed me with calls. Forster and Garbus has had many lawsuits because of their illegal debt collection practices. I am very, very concerned that Forster and Garbus will continue their illegal tactics and I won't have an opportunity to defend myself as I have learned from previous experience.
Please assist me as I am extremely concerned that Forster and Garbus will take action against me without giving me the chance to respond. I am hoping that this debt can be eliminated and Forster and Garbus can be investigated because of their unfair practices.
Please assist me.
Thank you.
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| 06/22/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I owed XXXX almost 22, 000, on a private student loan.
First they taped up a summons stating that I was getting sued on my neighbors door, not mine. My neighbors now know my business.
I received notarized mail from someone with a fraudulent name. " XXXX XXXX '' attempting to collect money by this collection agency.
Lastly, I spoke to a representative that worked out a repayment agreement of me putting down {$1200.00} and to making monthly payments of {$240.00} until XXXX, XXXX is paid off.
They sent me triplicate contracts stating that I will pay the full amount of the loan ( XXXX ) with monthly payments of {$240.00}. This isn't what I discussed with them. When I questioned them as to why the contractual agreement sent to me didn't state the specifics of the repay agreement I made them on the phone. The collection worker just kept questioning me as to why I wouldn't sign the form and that they would get another department involved.
I have called this persons supervisor three times over the last three days and she has yet to get back to me to answer my questions.
I feel that the Foster & Garbus LLP made a verbal agreement on the phone and now are purposely sending me forms with whole amount to be paid with no mention of the amound we agreed I would pay.
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| 10/24/2017 |
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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The FOSTER & GARBUS LLP / debt collector is pursuing payments even though the credit card in question was void in whole or in part due to identity thief and payments could not be collected. In addition, the debt collection has NOT provided validation of account and proof that it 's licensed to collect in New York State. The Debt collector created the false impression that they have a legal right to collect payments and that I have a legal obligation to pay off the credit card that has been again in whole and or in part voided due to the identity thief.
The FOSTER & GARBUS LLP is impersonating as law firm, with has no legal right to conduct business in New York State, and continues to send me letters demanding payment for debts that I have no legal obligation to pay even after my two repeated attempts to ask for validation of the account but them refusing to provide it.
I request under the Dodd-Frank Wall Street Reform and Consumer Protection Act, and under the authority that the CFPB has to take action against FOSTER & GARBUS LLP engaging in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws like the Truth in Lending Act to investigate FOSTER & GARBUS LLP / Debt Collector.
Thank you Respectfully
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| 10/26/2018 |
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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I followed every protocol according to the Fair Debt Collection Practices Act. I sent cease and desist letters within a certain time frame and I disputed the validity of the debt because it is my personal preference to deal with the credit card company directly. Forster and Garbus LLP refused to obey any laws put in place and I've had enough. I made a complaint with the attorney general office with no results. They proceeded to start a lawsuit in XXXX County Civil court despite me following all laws ( under Index # XXXX ). Please keep in mind the reason why the debt was not being paid is because my wife was laid off for about a year and a half and we have XXXX children. Some things had to fall behind in order for me to provide for my family. Now that my wife is working, I was planning on paying the debt, but before I could get an opportunity, Discover sold the account and I've been harassed ever since. They started the lawsuit ( Forster and Garbus LLP ) and never notified me. I found out from an attorney 's office who wrote me asking me to hire them to represent me. Why are laws in place if they do not have to follow them? I am asking you to please help and investigate so they can not illegally try to garnish my wages. Any help is appreciated.
|
| 06/19/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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( XXXX " XXXX '' XXXX a legal representative of Foster & Garbus XXXX XXXX XXXX XXXX XXXX New York XXXX Phone : XXXX or XXXX ) has made harassing phone calls within the course of three months with an attempt to collect a student loan debt in the amount of XXXX. XXXX XXXX called my home three weeks ago regarding this matter. I explained to him that I am unable to pay on my debt due to the fact that I am unemployed, XXXX and that I have an open case with Social Security XXXX Administration and I am waiting for a hearing date to meet with the judge regarding my claim. Which could take anywhere from six months to another year. Every time he calls I explain the same thing to him. He totally ignores my statement. Questioning my personal life. Asking me who I live with and if my significant other can pay my debt. I told him he wo n't its not his responsibility. XXXX XXXX also threaten to take legal action against me if I refuse to repay my debt.
I guess he feels that he has the right to harass me. He does n't some should address this matter and inform him that it needs to stop. He call me today at XXXX today regarding my loan. I 'm keeping record of the amount of times he calls me. Thank you for your time.
|
| 06/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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I willingly agreed for this company, Forster and Garbus, to settle my old college debt with me. And was assigned to XXXX XXXX. From the first day assigned, Mr. XXXX used a repeated loud and aggressive tone to deal with my case to which I would always feel uncomfortable. He would then repeatedly lie and say that I never made arrangements for things I openly asked for on a recorded line. And then, after several weeks of me calling this company to settle a debt and have someone else pick up the case. His assigned supervisor, XXXX XXXX. Never returned my calls.
Today, I spoke to Mr. XXXX for the last time after realizing that my agreed automated payment was not taken out on the assigned date. He then proceeded to tell me that he has no agreement on file and that I never provided the company with any information, after this company retrieved money from my account for the past 2 months. This is robbery and abuse and now I have not been able to reach anyone decent from this unethical office to try and get this debt behind me. I no longer wish to deal with this company and would like to file this complaint so that nobody else experiences this abuse from them.
|
| 09/16/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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I was served a summons dated XX/XX/20 on XX/XX/20 by a gentleman who came to my door for Forster and Garbus LLP ATTY. Who indicated that I owe money to my previous University in the amount of {$14000.00}. They also indicated within the summons that they are lawyers representing the plaintiff. And if I do not answer the summons within 20 days, I will be penalized and a judgment will be made against me. In addition, the company also started contacting me the same day harassing me about the money owed.
When I explained to the representative, that there must be some mistake, because I didn't owe money to the University to my knowledge, because I withdrew my classes by submitting a written appeal to the school, as to why I was leaving the university, as I was requested to do my XXXX XXXX. He became very rude and condescending. Asking me questions such as if I was employed? And who do I work for? Then he stated that I worked for XXXX XXXX. As he knew already, but was fishing.
This is very stressful, because I am already paying off my student loans and is in good standing, and now four years later, I am hit with this. Please can you offer any advice?
|
| 04/17/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
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Forster & garbus llp Sent a letter home telling me they were going to garnish my paycheck directly Out of fear - I try to settle an agreement - I dont know how true this lawsuit it. I had come to an agreement to pay XXXX dollars a month and by 3 rd year pay XXXX completely. I stopped my monthly payment a while back since then the company has not sent any letters and when I called the number their numbers are disconnected, when I finally got someone on the line to ask about this student loan debt. Nobody has answers- they kept hanging up on me. Im 100 % I got scammed for an old debt but Since Im very naive and not lawful knowledge I went along. Thinking its the right thing to do. The original Amount was supposedly XXXX they settle at XXXX. They negotiated the settlement over the phone as if it was a fake game with someone who was a judge. I was very intimidated because I didnt want them to garnish my paycheck- I need my income to feed my children as a single mother. I dont make tons of money. XXXX dollars out of My paycheck is a lot for me. These people are very unprofessional- sketchy - never ask to meet in person.
|
| 08/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- 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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In XX/XX/XXXX Forster and Garbus LLP sued me in state supreme court without properly informing or notifying me, and as a result I am now over three years later being threatened with wage income execution for a debt which has since been disputed and has since been removed from my credit as recently as of XX/XX/XXXX. With the firm having meaningful attorney involvement in the process and executing such orders improperly during the validation periods is a direct result of my suit and the impending wage income execution which was unlawful.
A week ago, the local county law enforcement was paid less than XXXX dollars to serve this, to which they didn't even obtain a signature and left it in a general mailbox. The sheriffs office has refused to address the lawsuit pending against this law firm for violations such as this with the FDCPA, FCRA and other laws to protect consumers against UDAAPs. I do not have the means to sue the firm or my county to prevent this execution from happening, so I am turning to the CFPB to hopefully corroborate the Unfair, Deceptive Abusive Acts and Practices of Forster and Garbus LLP.
|
| 01/24/2020 |
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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Foster & Garbus has repeatedly tried to sue me for old debts that I can prove that I paid. In XXXX they sued me and I won the case. This second attempt to sue me was not done properly. First they called me at least 5 to 7 times a day. In XX/XX/XXXX I contacted their office to ascertain why they were calling this number again and they claimed it was still in their system. It was during that conversation they claimed they would send out documents stating that I owed money. I never received anything in the mail or in person. On XX/XX/XXXX I contacted their office after receiving a Judgement letter from the State of New York. Ms. XXXX stated that I was served, and papers were given to a family member. This is not true. I was never served and I live alone. I feel as though this law firm is harassing me for old debts that has been charged off and every method was done to pay it off. I have been in tough with the original owners of the debt. The account was closed and reported to the IRS of which I paid taxes. What they are doing is not legal and now I have a judgement against me, and I must defend my case.
|
| 12/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I'm not able to modify my previously complaint so In order to submit new documentation received in the mail, I had to resubmit a whole new complaint. I've been trying to get XXXX XXXX XXXX to remove their account off my credit report and have disputed with XXXX several times since XXXX of this year ( 2019 ), but I may need to dispute with XXXX directly. XXXX sold my account to a collections agency ( Forster Garbus ) and the collections agency had taken me to court in which I won the case. Since I won the case, this credit card/Collections agency should be removed off my account. It is still reporting as late payments which is having a tremendous effect on my score. Of course, Forster Garbus submitted the wrong index number on all their documents to mislead me, but upon filing my information with the court they were able to locate the case and I was mailed proof of dismissal of the case. I've sent this documentation to XXXX weeks ago and it's still on my report. Forster and Garbus were kind enough to send me a letter of dismissal as well, but NO ONE wants to remove this from my credit report.
|
| 06/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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as of XX/XX/XXXX I 've received a letter from Forster & Garbus LLP for a payment of {$4800.00}. On XX/XX/XXXX we have a settlement stipulation of {$3500.00}. The stipulation is that I pay {$50.00} every on the XXXX monthly. I have ten days after the XXXX to full fill my agreement. I have paid all my payments on time. A payment of money order on XX/XX/XXXX was received on XX/XX/XXXX . Which is still within my time frame. Now Forster & Gurbus is demanding I paid the full amount of my debt in the amount of {$4800.00}. I have called to resolve the problems but they refused to work with me and demanded I pay the full amount. Closed is a copy of the stipulation and receipts of money order. My other payments are paid online and I also have receipts upon request. This is an unjust attempt to try to collect a debt from a consumer whom is trying to abide by the stipulation. Forster & Gurbus t ook the liberty to say that they did n't receive the check by the XXXX and attempt to collect the full amount. This is an unfair practice and should be noted.
|
| 05/17/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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On XXXX / XXXX / XXXX my employer received a judgement to garnish my wages. The garnishment started about a month ago. I called my HR person who informed me that the creditor was XXXX XXXX , whom I have not had any bad debt with for ove r 10years. The entity that bought this debt is Foster and Garbus , XXXX XXXX XXXX XXXX NY XXXX . Their phone number is XXXX when I called I was transferred to Ext. XXXX . The statute of limitations on unpaid credit card debt in NY is 6 years, therefore this is illegal an illegal debt for them to collect on. Furthermore I was never issued a summons to appear in court for this so called debt. I have emailed and cal led Foster and Garbus and no one has gotten back to me with the information I requested ie date of the debt, the name of the court the judgement was issued in etc. I did a search on Foster and Garbus and found many such complaints dating back 5 years. Why is this illegal activity allowed to continue? You are my first step in trying to get some answers. Thank you for your time
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| 04/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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Forster and Garbus, have refused multiple offers and attempts to settle this debt and filed a suit which is currently active, they had been notified that I am going through XXXX XXXX XXXX triggered by the XXXX XXXX in XX/XX/2022 which I have notified the court in writing and XXXX XXXX XXXX and repeated over the phone conversation with XXXX XXXX XXXX I have a XXXX XXXX XXXX XXXX XXXX scan arranged in the first part of XXXX, with one of them on the XX/XX/XXXX, which was one of the court days. I have asked them to arrange settlement last time via signed fax on XX/XX/2022 where I also reminded them not to contact me at the residency address and provided an email and XXXX XXXX XXXX which was the fourth request, once it was via regular mail, second via phone conversation and fourth via judgment response via certified mail. Which are multiple instances of the VIOLATIONS of the 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 1006.6 Communications in connection with debt collection.
|
| 09/16/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
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I received a notice from XXXX that they were filing a lawsuit against me for payment. I stayed on the phone to avoid judgement and we agreed on payment terms on XXXX XXXX, 2015. On XXXX XXXX, 2015 XXXX ( representing XXXX XXXX XXXX ), XXXX sent me a agreement for a judgement stipulation eventhough we did an early intervention.
Secondly, XXXX XXXX XXXX passed another loan to Forster and Garbus. On XXXX XXXX, 2015 I was informed by my mom that XXXX men entered her home yelling for me, and left a card. I took the time to do research to see if there was any case about me. I found Forster and Garbus. I informed Forster and Garbus I was not resident of New York and was willing ot work out a payment arrangement of {$200.00} month for 10 years. I was assured by the young lady that the attorney was going to get back to me however, no one got back to me.
I called again, but instead I got a letter from the courts the were going to garnish my paycheck regardless of my agreement with Forster and Garbus.
|
| 11/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Company foster and Garbus LLP send me a letter saying I was being sued sometimes at the beginning of XXXX, around XXXX of XXXX I send a certified letter asking for information in regards to the debt they accused me of owing, the bills I was sent did not belong to me it had someone else complete information. I am being harassed by this company and threatened to be sued. I requested information again they did not provide and threatened to sue. Finally, when they send me information did not add up to what they are accusing me of. They ask me to send my current information but I believe this is a tactic to use it against me as multiple times they did not send me accurate information but once I gave them more information they use it against me. They are saying my current driver 's license was used to open and online account in XXXX that's not possible and the information they send me is not from that year. They are unable to provide me with any information and continue to harass and threaten me
|
| 06/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I was violated by FORSTER & GARBUS LLP. During the year of XXXX as I was attempting to entering a transaction for a sale of a property. I was informed of a lien on the property by FORSTER & GARBUS LLP, for the amount of {$38000.00}. Exhibit A provided show how I was violated by FORSTER & GARBUS LLP, pursuant to the fdcpa. Violations 15 USC 1692a ( 5 ) ( 6 ), They alleged I was the consumer of the debt also they were/or is acting as debt collector even though they are a law office. Violation 15 USC 1692b ( 5 ) Not use of language that indicates that the debt collector is in the debt collection business. Violation 15 USC 1692e ( 1 ) ( 2 ) -- False representation that FORSTER & GARBUS ARE affiliated with the State of New York. Violation 15 USC 1692 ( 1 ) ( 2 ) Forster & Garbus reported inaccurate and negative on my credit reporting file, that made it hard to obtain credit. Violation 15 USC 1692h and Violation of 15 USC 1692j. Violation 15 USC 1692d ( 1 ) ( 2 ) obscene language and threats.
|
| 08/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Paycheck is being garnished for a credit card Under XXXX, XXXX XXXX XXXX that was discharged under XXXX XXXX in XX/XX/XXXX. XXXX XXXX online shows dates of payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Yet foster and garbus says acct was opened on XX/XX/XXXX, last payment on XX/XX/XXXX and opened on XX/XX/XXXX.
Last statement from XXXX given to foster and garbus shows a Credit report shows a cancellation of debt amount added to last statement of XX/XX/XXXX.. Which was the bankruptcy discharged old account.
Credit report shows i had a XXXX acct closed XX/XX/XXXX paid as agreed opened XX/XX/XXXX and another closed XX/XX/XXXX opened XX/XX/XXXX. They are bouncing my account all around to collect a debt that was discharged.
I have emailed them proof and no response except my paycheck is now being garnished.
My bankruptcy attorney is trying to help but I'm a single mother just fresh out of a XXXX XXXX marriage ( ended only 1 week ago ) a With XXXX kids.
I need help
|
| 07/05/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
|
|
Web |
|
|
Dear Sir or Madam : I am filing a complaint against Foster & Garbus LLP. They sent me an income execution for a credit card balance in XX/XX/2022. Therefore, I reached out to them early in XXXX and started a payment plan of {$120.00} every two or sometimes every XXXX days as per the XXXX 's agreement. However, they are now notifying me that they haven't received any of my payments. I have my statements and receipts of all payments I made since XX/XX/2022.
At this point, I highly suspect that they are holding my funds and not applying payments to my balance, and I would like to file an official complaint against the office of Foster & Garbus LLP for fraud.
Can someone from your office look into my claim and let me know what my options are, and how can I get the Foster & Garbus office to apply all my payments of {$1200.00} to my current balance of {$2000.00}.
Thank you for your consideration and I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a letter from the New York City Marshals office of a notice of garnishment of wages. The complaint came from Forster & Garber LLP. I contacted both the marshals and the lawyer stating I never had this debt. This debt stems from XXXX of a XXXX XXXX Credit card. This is something I was unaware. When I questioned this the law firm of Foster & Garber and asked to provide me proof they said documentation was sent but i said never received anything. When asked for proof they failed to provide me any documentation. There is a lapse in time from XXXX interest the XXXX interest. According to the marshals I was contacted in XXXX which was disputed, and nothing came about. Now again contacted again in XXXX no longer able to dispute. I have called the lawyer numerous times to discuss since Monday the XXXX, only called back once. I have only to the XXXX of XXXX to pay this before legal action is taken. I do not know where else to turn.
|
| 07/16/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
|
I had an 18 yr old XXXX card with a XXXX credit limit that a disreputable " law firm '' XXXX XXXX XXXX hounded me for payment of {$6700.00} and freezed my checking account for payment. We made arrangements to settle for app. XXXX and I paid them XXXX a month for 3 years and they sent me a letter of discharge. My bank account has been closed for years and water damage has ruined our records. The bank can not give us copies from 15 years ago. Now a new company says they are employed by XXXX. It is Foster and Garbus. They sent a very inconspicuous letter claiming I had never paid XXXX XXXX XXXX which is now out of business ( not surprisingly ) and I owed them XXXX! I immediately responded and refuted their information. Even though the statute of limitations are expired on this loan, they have started calling my house multiple times during the day. I do not owe and my next step will be to seek legal help to resolve this.
|
| 06/12/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
These loans are 20 years old. Forster and Garbus provided the attached document when I put a complaint through last year regarding the loans I have. The document states they will not sue, but they have since taken a garnishment. This initial lawsuit back in XXXX was past the statue of limitations so that seems to be shady tactics also. In XXXX they called my in-laws multiple times ( XXXX XXXX ) stating it was an emergency and I needed to reach out to them. The bank we originally received the loan from had a table outside of the financial office at XXXX XXXX. This was a predatory way of making people get private loans. I was the first in my family to go to college, my Dad came with me to do my financial aid and was given an ultimatum by the bank at the college. He was told it was my only way of being able to go to college was to get these loans. All aspects of these loans from start to now is shady and dishonest.
|
| 06/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX has been harassing me for 10 years over a debit my lawyer settled. We had confirmation on settlement and they waited until 9 years to re open and sue me. They went into my bank account recently and removed over $ XXXX in a lein leaving me strapped to pay my bills and i had to take on a second job to help keep me caught up!! I re hired the same lawyer and he has not been able to ( nor have I ) reach a representative from this so called attorney office to discuss and settle the matter!!! I sat in with my lawyer as we called the offices listed and were put on hold indefinitely! How can I fix the problem when we cant get anyone to pick up the phones?? In the meantime they have my money!!! Im thinking its a scam but we cant prove anything since we cant get a response. I have less than 30 days to get this resolved itherwise they will charge off the money to them!! HOW CAN THIS BE LEGAL!!!????
|
| 11/25/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Forster and Garbus, located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX has been paid in full by me and refuses toforward to me, the letter of satisfaction stating that they were paid infull. Forster and Garbus bought the debt from XXXX and filed a judgment in the with XXXX County Court that states as non satisfied debt paid. I have left Forster and Garbus several voice mails giving them the change of address to send the letter of satisfaction and I have received no response. My new address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The previous address was XXXX XXXX XXXX, XXXX, NY XXXX. I want a letter of satisfaction sent to my home or please advise me on what the next steps to take to have them send what I need. In addition, much of the debt on the XXXX credit card was charged when I resided in the state of XXXX prior to returning to XXXX. They, Forster and Garbus had knowledge of that.
|
| 01/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The Inquiries listed below, are what needs to be removed : FORSTER & GARBUS ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX (XX/XX/XXXX ) I 've taken my time to reach out to these companies regarding they remove my inquiry because I was never told that they would pull my credit from the XXXX Credit Bureau, and I need it to be removed as soon as possible, so that I can be able to get approved for a loan I need. Also for XXXX XXXX, I 've explained to them also that the inquiries are holding me back, and customer service kept giving me the run around, and never wanted to help. All they did was send me to one person, then another person, then another person, while realizing they did n't want to help me get that inquiry off, and seeking the right help to get this resolved, and taken off my XXXX report.
|
| 10/05/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was sued by Forster and Garbus. They took a default judgment against me for an amount way more than the original amount of debt as well as I was NEVER served. Now they are trying to garnish my wages. I finally got a copy of the affidavit of service which is beyond false. It is fraudulent. The affidavit of service states I was served on XXXX XXXX XXXX, XXXX at XXXX p.m. at my home. I was at work almost XXXX miles away. It also gives a description of me having XXXX hair. I do not have XXXX hair nor have I ever had XXXX hair as I am blonde and blue eyed. I feel this judgment was improperly taken. I also feel that the process server, XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be held accountable for signing an affidavit of service before a notary public which is false.I have already paid XXXX of this debt which is MORE than the original amount.
|
| 05/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
15 years ago someone opened up some type of an account in my name ( my maiden name ), I disputed it with credit bureau and it was taken off of my credit. This morning I was notified that my paycheck is being garnished from this debt collector named Forster and Garbus, my employer showed me the paper, i was never notified of anything, the paper is in my maiden name and it is for the same matter that was disputed many years ago. They are saying they are going to take {$330.00} from every paycheck for debt around XXXX I am currently in a debt consolidation program for any debt I owe so I called them and they told me what this creditor is doing is illegal and that i must file a complaint with FTC. I also called the number of the creditor and some woman started asking me personal information and I would not give it to her so she got frustrated.
|
| 06/23/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
This is a complaint relating to Forster & Garbus ( FG ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Our Stipulation Agreement, attached with my complaint, will show it was executed in XX/XX/2018. Since my first payment, per our agreement, I haven't received a breakdown of what the balance is and what I've already paid. Not one! I don't know how my payments are being handled/recorded and what my outstanding balance looks like on either of their books. FG acts as attorneys to XXXX but FG is predominantly a collections agency ( with AWFULLY DREADFUL public reviews and practices, I might add ) that never answers or returns my repeated calls. I have no faith in them and am not sure what my next step is. I'd like to finally settle this once and for all but with whom : FG or XXXX? Who is ultimately collecting on my payments?
|
| 08/28/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
In early XXXX, I was being garnished by a law firm called " forster & garbus ''. I changed jobs and did not know the garnishment wouldn't switch over automatically. They did not contact me and immediately started garnishing my mother 's income at over $ 600 monthly. I tried to contact them to arrange payments and they would not speak to me or work with me to arrange payments. They also placed a lien on my mother 's house for {$60000.00} in late XXXX and never notified her about it. She recently went to refinance her house and found out about it. Her and my stepfather were going to refinance their house in order to assist with their finances to prepare for retirement and now they can't. These is completely unfair to them and incomprehensible considering this law firm would not even speak to me to arrange payments.
|
| 02/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
I have been in a debt since XX/XX/XXXX paying mostly interest charges so I joined national freedom relief XX/XX/XXXX. XX/XX/XXXX, I was served papers at my work for XXXX of the cards.. I found out that they only worked on XXXX out of the XXXX cards I put in, and in that process their fee was {$2500.00}. I was so angry and upset. On XXXX XXXX, XXXX, I made an agreement with XXXX of {$100.00} a month to be paid on the XXXX of every month. I tried to make the next payment and they are saying that the agreement was for {$200.00}. I tried to explain that {$200.00} is too much. Of course they do n't care and told me that I have a judgment against me from XX/XX/XXXX..and now I broke the agreement. I explained that I had told her {$100.00} and theyre telling me I said {$200.00}.
|
| 02/28/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I am being garnished for 6 private student loans that I have already been told by XXXX XXXX and XXXX XXXX that they were not mine, were not collecting and stopped collection all together. XXXX took these loans over, the paperwork from XXXX XXXX obviously did not go to them and trying to deal with XXXX has been nothing but trouble. I sent them a letter, got a response from the office of customer relations and basically, they did not even look into my complaint or take it seriously. The response is attached below, but basically they passed this off on the collection company XXXX XXXX, who said Forster and Garbus has the loan and they don't have anything to do with this. I am getting the run around and being garnished over a loan that is not mine!
|
| 02/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX put XXXX on hold and then XXXX and then another XXXX then XXXX and I called to find out why and they said I was sued by a debt collector and I called a debt collector and they told me that the debt was from XXXX and they also told me that that was from XXXX and I dont owe them anything I dont know what they are talking about the lawyer secretary said I have to prove to them that I dont owe the debt and I told her she has to prove to me that I owe them the debt they said they was going to send something but still have not and still holding my money they said the debt was XXXX and then one time they say XXXX. I dont know what they talking about. I have the time and date of the conversations we spoke. I need some help.
|
| 10/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Complaint against : Forster & Garbus LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Upon receiving a letter from this law firm on XXXX XXXX, XXXX and phone call made on this matter of judgement/execution for asset acceptance of incurred credit card opened in XXXX with a payment made in XXXX, I wrote a formal letter to this law firm for false claims and harassment in the form of wage garnishment that included my employer 's address. I have declared myself a victim in concerns with Forster & Garbus LLP actions and highlighting their illegal actions under the FDCPA guidelines concerning to collect with submission to ownership on a time-barred debt.
|
| 07/13/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had filed a complaint back in XX/XX/2017. A response was received, but Forster & Garbus did not hold up to their deal. I had asked for written documents to the agreement of a {$13000.00} settlement. No communication was made. Months later my account was sent to XXXX Sherrif for collection without my being notified. My wages were garnished again without notification. I had reached out to Forster & Garbus by phone and e-mail demanding documents to support this as well as the agreement, and have had no follow-up.
I am looking to settle with {$11000.00} paid over 3 years which is taking into account the garnishment payments.
|
| 07/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Hello.
This is an " Charged Off Account ''.
To my recollection. This account was opened in XXXX.
My card was stolen, and I reported this to the creditor 's collection agency, which was XXXX XXXX.
I just recieved a notice from the New York XXXXXXXX XXXX Department of XXXX XXXX ( received today XX/XX/XXXX ). It was time stamped by the XXXX on XX/XX/XXXX.
The File no is # XXXX Attorney : Foster & Garbus XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX # XXXX Account # XXXX They have threatened to Garnish my wages. They want to garnish payments of {$330.00} from each of my paychecks ( Bi Weekly ) until the debt is paid.
|
| 10/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
A collection attorney named Forster & Garbus is trying to sue me for a XXXX XXXX credit card account that is no longer on my credit report. The credit card account is from XXXX which is more than seven years ago. I live in New York XXXX XXXX XXXX XXXX XXXX the statue of limitation is XXXX years on credit card accounts. I do not want this collection attorney to try to seize my checking account because I am barely living above the poverty rate. I can not afford to pay this debt and plus the debt is more than seven years ago and it is no longer on my credit report. The debt is pass the statue of limitations in New York State.
|
| 08/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
MY WAGES WERE GARNISHED BY FOSTER AND GARBUS. I WAS UNAWARE OF THE DEBT AS I WAS NEVER SERVED NOR DID GET ANY NOTIFICATION OF A DEBT. I UPDATED ALL MY INFORMATION WITH NYS AND I PROVIDED PROOF OF SUCH. I WAS NEVER NOTIFIED OF A DEBT TO SETTLE OR PAY. FOSTER AND GARBUS FAILED TO CONTACT ME AND FAILED TO EXPLAIN THE PROCESS. I WAS TOLD I NEEDED TO PROVIDE INFORMATION AND I DID. I WAS NOTHING BUT COOPERATIVE. THE AMOUNT AGREED ON WHICH WAS NOT A SETTLEMENT BUT FULL PAYMENT AS THEY DENIED A SETTLEMENT WAS SATISFIED AND THEY CONTINUED TO GARNISH MY CHECK. THEY REFUSED TO STOP GARNISHMENT EVEN AFTER JUDGEMENT WAS SATISFIED.
|
| 12/01/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
A company called Forster and Garbus filed paperwork with local courts 2 years ago, getting a default judgement on me, when I told them the loans they are collecting on, for XXXX, were in fact not mine. Worse yet, they refused to show my court documents to the court, never told me of a court date and my answer to their complaint was never given to the court. As a result, they go XXXX default judgements against my name, with a false co-signer and have been garnishing my wages for a year and a half. I want this money returned, I want these garnishments lifted and I want them to re-open these cases at no cost to me
|
| 07/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Forster and Garbus, is pursuing a debt that is past the statue of limitations in New York State, where I live ( 3 years ) They now have a judgement against me, and have the XXXX county sheriffs office threatening to garnish my wages.Forster and Garbus also known as XXXX XXXX claims the default date XX/XX/2019 in which is past statue of limitations here in NY state.I have contacted the XXXX county sheriffs office and they have already said they will have to take action to garnish my wages. This is a debt that is past the statue of limitations. Thank you for your time and appreciate your help,
|
| 02/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
Forster and Garbus uses deceptive and abusive business practices. Made Phone calls to my work.
Waited 20 days to Tape a Notice of Commencement of Action Filing papers on my front door with all my information and details displayed for the public and all to see and read. A friend who came to visit read the posted notice and alerted me at work. I immediately left work early to come home and remove the notice from my door. As soon as I came home, my neighbor informed me that he had read the notice and was going to call me. It was embarrassing! I immediately took a picture of the posted notice
|
| 03/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This collection agency is attempting to sue me and collect on a debt that was a result of fraud. I notified them of this on multiple occasions both in written and in verbal form.
Additionally, this collection agency is using illegal tactics such as 1. contacting me during all hours of the day and night.
2. The acts of this collection agency interfered with the quiet enjoyment of my property 3. Not notifying me of this debt in a legal manner.
4. Harassing me at my place of employment sending letters and making phone calls to my job forcing me to get have to leave my place of employment.
|
| 06/03/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
I have a settlement Stipulation in which I pay {$100.00} on or before XXXX of each month until the settlement amount is paid in full. So far I have send in XXXX payments certified mail on time. Twice now have I had them cross out the account number for which the payment was made on and replaced with a different account number followed by a letter to me stating that I am in default of the stipulation of settlement and they plan on applying judgement against me. I believe this is a dishonest way to collect on XXXX different accounts and to manipulate me into paying the settlement in full.
|
| 02/15/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I took out a loan from XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. A few years later the debt was sold to Forster and Garbus LLP for being in default. After they threatened to sue me and garnish my wages we came to an agreement and I have been paying {$170.00} per month for about 2 years now every month ON TIME. It is now XX/XX/XXXX and I have not received a XXXX form for the interest that I am owed. The law firm says I must contact XXXX XXXX for this but I have tried several times and left messages and no one has responded. I immediately request a XX/XX/XXXX XXXX.
|
| 01/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
I went to the offices of Foster & Garbus who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( XXXX ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was Foster & Garbus who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error.
|
| 06/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I send the company a debt validation letter they have failed to validate the debt that I supposedly owe to them. The only document that was send to me was billing statements which is not proof that I owe the debt they claim and that Im obligated to pay. This debt passes the statute of limitations. They are harassing me and making threats about this debt. They are not willing to give me competent evidence ( example ) like a binding contract with a legal signature with my name from the original creditor stating that I owe the debt. A lot of illegal practices are happening
|
| 05/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
A company named Forster and Garbus garnished my wages for a debt that is not mine. I was never informed of this either. My employer showed me a paper and it showed an address I havent lived at for years. I called the company and they were demanding my personal info and said they wouldnt help me if I didnt give them my info so I hung up. The paper my employer showed me was from 2007 and it was my maiden name. I was already married in 2007. I have no debt in my credit report I am in debt consolidation and pay all of my bills.
|
| 02/12/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I received a phone call at my place of employment from someone who identified them self as a XXXX XXXX at XXXX who was trying to collect a debt. This is the first contact I have had with this party and have received no mail etc I do not know the name of the company and I have no address to send a letter to request a verification of said debt. I do not want to be contacted by phone at work or at home and would prefer email contact. I need verification of said debt and original creditor and any supporting documents.
|
| 05/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Forster & Garbus LLP has garnished my wages as the acting attorney for XXXX. I spoke with XXXX and they have no record of my name, phone number or social security number. Futhermore they have an old address on the paperwork so there was never any indication I was getting garnished by these people. I have attempted to call them to resolve but they will not answer my calls. I looked them up online and came across this article. XXXX XXXX XXXXXXXX I would like to file a complaint and stop my garnishment immediately
|
| 10/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Today, I received a Civil Court Summons from the law firm Forster & Garbus LLP ATTY for PLTF Taped in the hallway of where I live. They use harsh tactics and verbal abuse when trying to collect debt. Also they use fraudulent templates of government documents to collect debt. Using fake index numbers and wording. This summons was for the amount of {$3600.00} in which Forster & Garbus posted in the hallway of my building. This all happen today at XXXX XXXX on Wednesday XX/XX/2019 XXXX
|
| 01/12/2019 |
No |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
In XX/XX/2018 i received a court paper-A SUMMONS from XXXX XXXX XXXX by way of Forster & Garbus LLP ATTY FOR PLTF. Stating i owe {$2200.00} for a pass debt. I do not even know this XXXX XXXX company so there for i do not believe i owe them any money have never spoken to anyone at that company have no contract with that company and would like for XXXX XXXX as well as Foster & Garbus to stop sending me courts papers, summons, collection paper. All mail to cease.
Thank You
|
| 01/22/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
For Forster & Garbus LLP, a New York Law Firm, XXXX XXXX XXXX, XXXX, Ny XXXX, I have been paying {$150.00} every month since XX/XX/XXXX or XX/XX/XXXX, on time, on their website. Last month they threatened to take me to court! I talked to a manager they apologized ... this month another threat. First they tell me please disregard the lawsuit then they say they are going to sue me for non payment. The amount due is not being subtracted from my monthly {$150.00} payments.
|
| 10/04/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I had a private student loan with XXXX that was then transferred to Forster & Garbus. They repeatedly called my home and place of work and then one day I received a later in mail that my paychecks were being garnished. A few years passed and they constantly called and sent letters for inflated amounts owed. I recently started paying them again in fear that they would garnish my wages again. This has been going on since 2010 and is a bit ridiculous at this point.
|
| 09/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Received a notice of commencement of action against me today XX/XX/XXXX this is the first I have heard from them. The case is from XXXX XXXX XXXX XXXX XXXX and the firm name is Forster & Garbus , LLp apparently they bought the debt from XXXX back on XX/XX/XXXX and now they are trying to take me to court. Is their anything that you can do for me .The amount is for {$2300.00} and was dated XX/XX/XXXX and today is XX/XX/XXXX and I'm just receiving this.
|
| 12/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
My name is XXXX XXXX my social XXXX a XXXX XXXX name XXXX XXXX XXXX unlawfully did a credit check on my XXXX credit report and keeps calling me for a very old debt that's over XXXX XXXX XXXX the debt is not mine I have a common name also they keep calling me from private numbers and tool free numbers can you please tell them to stop harassing me for a old debt the stautue of limitations is old and also it doesn't belong to me
|
| 10/31/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I had Forster Garbus, LLP contact me at my place of employment, which my employer does not allow, from phone number XXXX. They told me they are attempting to collect a debt from XXXX, a company I have never heard of. This debt they claim I have never been contacted about in the past, it does not show up on my credit report, and I have never heard of it. It is fraudulent and so was the harassing phone call.
|
| 07/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
im not liable for this debt posted on my credit report. I do not have a contract or sign any documentation so how is these my accounts.I sent numerous letter in the past disputing the negative account.I sent out request to the original contract asking for proof and all I received was a bill and A letter threaten to sue me and take my money unless I make a payment.i attach the document below
|
| 01/11/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Consumer credit transaction. The basis of the venue is, A defendant resides in the county of XXXX. The transaction took place in XXXX. On information an belief the defendant made credit card purchaser. The lawyer purchased this account from XXXX Bank on XXXX/XXXX/XXXX account balance XXXX. I never hear about this bank. I let XXXX in XXXX/XXXX/XXXX I just return from PR in XXXX/XXXX/XXXX
|
| 08/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
I was contacted by debt collectors by mail dated XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX for debt amount of {$5900.00} from XX/XX/XXXX. I don't know anything about this debt and there is nothing on my credit report related to this debt.
Forster & Garbus LLP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, N.Y.XXXX Sheriff of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX
|
| 11/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I asked for an up-to-date accounting of payments. My first attempt was ignored. The second and third attempt received a response threatening to demand full payment immediately, because the payment ( s ) were late. It seems that the payments go to one department and questions about payments are sent to a different department. Neither of which coordinates with the other.
|
| 04/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
Forster & Garbus, an attorney run collection mill, claims I owe a credit card debt. I don't recall any such debt, or if there was one it was incurred over 20 years ago. I have no original paperwork in my possession concerning this matter.
They have not certified any documentation concerning the debt in accordance with its recent settlement with the CFPB.
|
| 02/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Forster & Garbus sent a letter to me regarding a balance for {$840.00} and now they have sent a judgement and now execution of garnishment to my employer and I wasn't properly served a letter was sent to my house saying i owed {$1100.00} where did all that money come from when the account was closed. I need some help with this.
|
| 07/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Foster and Garbus LLP is attempting to collect a debt for XXXX XXXX XXXX which was purchased from XXXX XXXX, which defaulted on XX/XX/2002 for the amount of {$1800.00}, the original amount owed was {$500.00} dollars and amount that is being billed on demand {$1800.00}, this debt is XXXX years old.
|
| 07/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Foster and Garbus LLP is attempting to collect a debt for XXXX XXXX XXXX which was purchased from XXXX XXXX, which defaulted on XX/XX/2002 for the amount of {$1800.00}, the original amount owed was {$500.00} dollars and amount that is being billed on demand {$1800.00}, this debt is XXXX XXXX XXXX.
|
| 06/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a Notice of a Summons on XX/XX/2019 tapped to the front door of my apartment. I was never nor was anyone in my home given these papers. I never received the summons in the mail. The sum amount is {$4100.00}. There is no date on this paper for which I am suppose to go to court.
|
| 11/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Forster and Garbus sent me certified mail that claims to be a judgement for wage garnishment on a 15 yr old loan. The last payment I made was in 2010 to a different collection agency for the same XXXX debt. This money should be barred according to NYS law.
|
| 10/10/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
FORSTER & GARBUS IS ATTEMPTING TO COLLECT A DEBT FROM ME ON A XXXX XXXX CREDIT CARD ACCOUNT THAT IS FROM SEVEN YEARS AGO. THE DEBT IS NO LONGER LISTED ON ALL THREE OF MY CREDIT CARD REPORTS.THE DEBT IS LISTED AS BEING FOR THE AMOUNT OF {$970.00}.
|
| 07/18/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I have a judgment against me for a private student loan with XXXX XXXX. There was a settlement that was entered on my behalf, but without my consent, they are trying to garnish my wages, and I have tried to resolve this numerous times.
|
| 07/08/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
On XXXX XXXX, my employer, XXXX XXXX XXXX XXXX received a phone call by this number ( XXXX ) XXXX identifying themselves as Forster and Garbus in regards to a debt collection and informed an employee of the amount of debt owed.
|
| 09/11/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Forster and garbus keep contacting me regarding a debt that I do not owe on. That paper was purchased after the original loan company was dissolved for illegal practice. Now they are threatening to garnish my wages.
|
| 10/16/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Can't repay my loan
- Can't temporarily postpone payments
|
|
Web |
|
|
they garnished my bank account and put a levy on it, which caused me to bounce my checking account and put me in debt. No one ever contacted me about this garnishment they just took XXXX from my checking account
|
| 03/21/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
I got paperwork that I lost a lawsuit against a Forster and Garbus but was never served, never given notice of the lawsuit and now they are claiming I filed a fraud claim that I never did.
|
| 07/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Forster and Garbus ( XXXX? ) called my employer asking for me, when my coworker transferred the call they hung up. The woman identified herself as a representative of Forster and Garbus.
|
| 09/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
i have been disputing a XXXX bad debt added to ann account I paid off with foster & garbus since XX/XX/2019.
They refuse to speak to me or email me yet are garnishing my paycheck.
|
| 08/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I attempted to contact them and let them know that I did not sign up for classes with this school. I was a child and my aunt and uncle had total control over my paperwork.
|
| 12/09/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
I was never served for a lawsuit from this law firm. This judgment is a complete illegal attempt to collect a debt and my right to defend it were avoided.
|
| 03/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Forster and Garbus is going after me as retaliation for being named in a CFPB lawsuit in actions from 2018 and 2023 based on my statements to a CFPB rep.
|
| 09/08/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I have been harassed and overcharged by XXXX since I opened the account in XXXX 2011. Now they have forwarded the account to Foster and Garbus LLP.
|
| 09/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have no idea where or who this XXXX XXXX came from because I have never been nor do I know who this XXXX XXXX person is!!!.???
|
| 06/09/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
The company has sent a judgement to my employer to garnish my wages. Debt is over 6 years old and was sold to this company.
|
| 03/07/2018 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
From XX/XX/XXXX to XX/XX/XXXX foster and garbus garnished my check bi weekly each pay period by 100 or more dollars.
|
| 02/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I call the collection office and no one is available to talk to me, also let a message and no one call me back.
|
| 08/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
continued attempts from numerous collection agencies trying to collect on same acct.
|
| 09/29/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Older American, Servicemember |
|
Not sure.
Possible Identity Theft?
|
| 01/23/2024 |
Yes |
- Debt or credit management
- Debt settlement
|
- Unauthorized withdrawals or charges
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Voluntary repossession
|
|
Phone |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 11/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 11/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 05/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 04/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 11/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/12/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 05/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Phone |
|
|
|
| 04/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 07/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
|
| 03/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 02/11/2020 |
No |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 02/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/30/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 12/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 11/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 09/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/09/2019 |
No |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Phone |
|
|
|
| 08/06/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 07/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/10/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 05/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 03/29/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 12/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 12/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 11/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 09/18/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 07/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 03/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Phone |
|
|
|
| 03/02/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/27/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 02/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/31/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Phone |
|
|
|
| 01/30/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 12/29/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 09/17/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/17/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
|
| 02/23/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/02/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 01/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 01/16/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 12/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 10/30/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American, Servicemember |
|
|
| 08/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 08/25/2016 |
No |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 08/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
|
| 08/04/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
Servicemember |
|
|
| 07/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 05/23/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/11/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Referral |
Older American |
|
|
| 03/29/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/22/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
Servicemember |
|
|
| 01/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 01/08/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
Servicemember |
|
|
| 12/03/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 11/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 11/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 11/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 10/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 10/14/2015 |
Yes |
|
|
|
Web |
|
|
|
| 08/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/10/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
|
| 07/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Phone |
Servicemember |
|
|
| 07/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 07/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 07/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 07/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/29/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 06/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/04/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 01/19/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 01/16/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
|
| 01/02/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/18/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 12/06/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/04/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 11/30/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 11/30/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American, Servicemember |
|
|
| 10/24/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/05/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/25/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Referral |
|
|
|
| 09/24/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
Older American |
|
|
| 09/19/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/04/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 07/31/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Referral |
|
|
|
| 07/22/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 06/30/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
|
|
|
| 06/14/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/03/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 05/31/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 05/13/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 05/11/2014 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/21/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/19/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/02/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 02/24/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/21/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 02/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Older American, Servicemember |
|
|
| 02/06/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
|
| 01/16/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 01/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 12/23/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/23/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/18/2013 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 12/13/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/12/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/05/2013 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/03/2013 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Postal mail |
|
|
|
| 11/10/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Older American |
|
|
| 08/30/2013 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Phone |
|
|
|
| 07/20/2013 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|