Joseph M. Tobin, PC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
01/18/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CT
  • 06053
 Web
On the date XXXX XXXX, 2017, Law firm XXXX XXXX XXXX threatened to file a civil judgement against me if I did not respond to their fraudulent claim of a civil dispute between us. There is none to my knowledge.There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. If you are the Fiduciary in this matter, I will need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you, reporting to various credit reporting. My house is private, my telephone and e-mail are private. My person is private and for private use by myself and by those with whom I may contract. If you are attempting to enter this alleged civil dispute without a contract or my permission, you are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). I am not a corporation. Produce a Contract, Delegation of Authority, Regulatory Authority or cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer on the Original Contract, you are a third party. You are a liability and no assistance. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. In your next correspondence, please forward the instrument that establishes my obligation to perform as you request, plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ) otherwise you will be accepting my offer to provide pen pal services at {$1000.00} per correspondence. If you accept my offer to provide this service, simply send any correspondence other than what I have requested.
09/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • CT
  • 06040
 Web Servicemember
We have a court order to remit {$35.00} per week to a law office on behalf of XXXX XXXX XXXX for a line of credit we had with them that we admitedly defaulted on due to being laid off and having XXXX medical issues. We have set up the weekly payment with our bank so that a check is automatically mailed every week. Regularly this debt collector holds checks for months and then cashes them all at once which is no problem as this checking account is only for this purpose. On several occasions, the debt collector has become impatient and has submitted a bank execution against us fraudulently - which we have even been to court on and had the court tell them to refund the amount of execution. Now they have sent us a form that they wish us to tell them about all our assets in hopes that they can escalate the payment of the amount we owe. We already filled out that form last year and nothing has changed so we are choosing not to fill in the form because as soon as we did last time, they drained all of our bank accounts for over {$6000.00} and then randomly drained them over and over throughout the year. We electronically pay on time every week without fail and they keep bank executing us to drain all of our accounts which has now caused us to go into default on our mortgage because money we had saved to pay our monthly mortgage payment has been executed for this debt collector. Also, when they bank executed us the marshal who " served '' us was permitted to keep XXXX of the amount executed for services rendered so in actuality, they bank executed us but our debt owed only went down a very small percentage once fees and interest were taken from that execution after the marshal took their cut.
02/24/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CT
  • 068XX
 Web Older American
I had debt on a credit card in XX/XX/XXXX-XX/XX/XXXX. I was in a financial nightmare. I still am trying to dig out from the debt. XXXX XXXX had sent me a credit card ( XXXX XXXX Card ) I used it iin faithfulness of trying to keep up with the minimum payments. When it became to much I called them and they wouldn't work with me therefore I went into collections. Im XXXX and lived on a fixed budget. I can not hire an attorney so I wrote the CT Attorney General concerning this law suit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.YXXXX. They sold this debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX. These attorneys sent me a threatening letter saying they can garnish my wages and they are taking me to Court for this debt. They attached some of the charges I used and the amount that I owed {$2000.00} They have failed to mention the attempts of me contacting XXXX via phone. I have sent their names to the Attorney General XXXX in CT but I want the whole story clear. The Attorneys in above lines have made me very upset and as I struggle to make what was a bad time right now with paying other credit cards that were willing to work with me these Attorneys are causing me undue stress as well as the collections company who hired them XXXX XXXX. There is a statue of limitations and this is XX/XX/XXXX, when in fact XX/XX/XXXX all communications with XXXX back stopped.Please advise I am placing a complaint against behavior as this. I tried to come up with a plan on the phone with XXXX XXXX but it couldn't happen they destroyed my credit and now they are trying to destroy what credit I have built back up.
12/06/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32162
 Web
Have requested payoff of alleged debt on multiple occasions. Tobin Melien and Marohn has ignored each and every request. They need to be sanctioned, cited and reported to the IRS. They have also failed to provide a XXXX as requested so that proper tax assessment reporting be made to the IRS. And, as for the originating application ( securities ) and XXXX XXXXXXXX XXXX account, please do note no securities were abandoned and all statements have been reported to the IRS. It is hereby requested securities on the asset ledger be applied against any alleged debt owed. All accounts are to be XXXX out in full with any proceeds remaining sent to the beneficiary : XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
02/08/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CT
  • 063XX
 Web
Received notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that this an attemp to collect a debt from XXXX XXXX XXXX the amount of XXXX.. Got no debt from this company, did not received any notice or statements or any attempts to contact me to notify me of such debt ... please advise as to what i can and should do ... i am given 30 days to dispute ... I searhed about XXXX and they are banned from collecting debts by FTC case filed on XX/XX/14.. thank you ...
07/06/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • CT
  • 06451
 Web Older American
I do not know. 1 letter that I have received today. It not show any information. XXXX XXXX File number XXXX XXXX
08/30/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06478
 Web
10/16/2017 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CT
  • 06477
 Web
12/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06264
 Phone
11/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called after sent written cease of comm
  • CT
  • 06450
 Referral
09/05/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • CT
  • 06279
 Web
05/09/2014 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CT
  • 06870
 Web Older American