Kross, Lieberman & Stone, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/26/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	OH 44870	Web
XX/XX/XXXX, I received a past due balance statement from a Kross Lieberman & Stone in my maiden name, with my name spelled incorrectly. I contacted them to inquire what it was. I told them that it was sent to me in maiden name and spelled wrong. I have been under my married name for 8 years. They had my information attached to an icloud account that is not mine. I do not have an icloud account. They claim I bought a whirlpool kitchenaid mixer XX/XX/XXXX. I did not purchase this or sign for this. I suspected fraud & reported it to the police. I was advised that it was fraud & to ignore, but monitor my credit. They then called my parents home & left a message and sent another letter in XX/XX/XXXX. I again contacted police again. I was given the same advice and told if they continue to harass, to file an official report. In XX/XX/XXXX, I got another letter. Last week, we noticed our credit drop on our credit card statement. I went and filed an official report with the police and was advised to contact the agency to give them the police report number. When I contacted the agency, they told me to dispute it in writing. I told them I suspected fraud. They asked me questions about my information, and I again told them of the error in the name and the account that it was tied to. They then told me a new date as to when it was purchased & that I supposedly made two payments and stopped. They said it was delivered to my house. This information was different and new from the time I talked to them XX/XX/XXXX. I did not authorize such a purchase nor did I have it delivered to my house. The man I spoke with last week was completely rude. I was told to " put the report number in my dispute letter if it made me feel better. '' I asked how I supposedly paid for this and asked to be sent a hard copy of the authorization for this item and was told that they did n't do that.
07/28/2015	No	Debt collection Medical	Improper contact or sharing of info Contacted employer after asked not to	SC 29710	Web
A kross, Lieberman & Stone representative, XXXX XXXX, initiating contact about a debt their company is attempting to collect on XXXX XXXX, 2015. XXXX XXXX identified the debt as XXXX XXXX XXXX. On that day, I informed XXXX XXXX not to contact me at my place of employment ; and that the debt is being disputed. XXXX XXXX, the representative the company refused to give me her information, spoke in a threatening and belittling manner. She contacted me by phone again on XXXX XXXX, 2015, at my place of employment. The agent, XXXX XXXX, was again instructed not to contact me at my place of employment. XXXX XXXX then proceeded to call back an additional time on XXXX XXXX, 2015, and requested my employers fax number. XXXX XXXX later proceeded to contact my office yet again by faxing over an employment verification request, which I did not authorize. The request revealed my entire Social Security number and personal information. The harassment needs to cease immediately. I 've requested the company to stop all communication with me and with this address and any phone numbers you have listed in regards to this debt. The lack of professionalism and harassment XXXX XXXX displayed on the phone is the reason I am filing this complaint. I also requested that the comapnys records reflect that I have disputed having any obligation for this debt. If they forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
04/19/2017	No	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	SC 29708	Web
As this department is fully aware I am a victim of identity theft. Several debt collectors have ceased their reporting of these fraudulent accounts. Kross, Lieberman and Stone is a debt collector that has broken the law. They did not have correct information of mine and when I submitted my ID and my police report to show this they changed the information in the fraudulent account to match my good information and then went to report to the credit bureaus with correct information on me because they stole it from my good information that I gave them to prove that what they had in that account was wrongful. This is egregiously wrong and it is against the law to put good information in place of bad information when there 's a claim of identity theft. XXXX XXXX is the particular agent for that collection agency and he was rude and disrespectful and he 's the one that perpetrated the fraud on their side. I have contacted the Attorney General and the FTC and now I am contacting the Consumer Financial Protection Bureau to have these people breaking the law stopped and cease and desist from their unlawful actions. The fact that the previous collection agent stopped and then this new company got the account should show the they are breaking the law and still trying to collect on an unlawful and illegal debt.
10/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC XXXXX	Web
I sent my very first debt validation letter on XX/XX/XXXX via certified mail asking Kross, Lieberman and Stone to send me valid documentation proving that I owe them {$90.00}. I am aware that I used the Dental Services of XXXX XXXX back in XX/XX/XXXX. However, the charges were submitted and paid by my XXXX XXXX XXXX. I am unable to ascertain why I owe {$90.00}. In addition, the generic print-out that they sent actually shows that my dental insurance did pay. Are they balance billing me, if so, this is illegal. In response to their correspondence dated XX/XX/XXXX, I sent a second request for validation in XX/XX/XXXX via certified mail asking them to explain and breakdown the requested payment. The company simply sends me the same generic print out and in theIraq last response they included a copy of my drivers licence and a copy of my dental insurance information form. None of this helps me to understand their request for XXXX In addition, this bogus request has been removed from my XXXX and my XXXX credit files because the information they submitted for validation was insufficient. However, they are still reporting get erroneous information to XXXX. .
07/18/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76013	Web
I sent Kross Lieberman & Stone on XXXX XXXX, 2016 to request validation under the Texas Financial Code. On XXXX XXXX, 2016 i received improper validation from the Kross Lieberman & Stone. On XXXX XXXX, 2016 I sent Kross Lieberman & Stone another letter informing them that they did not properly verify the debit under the Texas Financial Code and that they either need to verify or delete the debit. Kross Lieberman & Stone received that letter on XXXX XXXX, 2016 and i did n't get a response back from them. I sent them one final letter on XXXX XXXX, 2016 letting them that they never responded to my request and that since they are refusing to acknowledge the debit validation or send me what i am requesting under the Texas Financial Code and i ask that they delete the tradeline since they are properly giving me the validation i request in my first correspondence. Once they received that letter on XXXX XXXX, 2016 and I never recvied anything thing else from them and they are still showing on my credit report.
11/20/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77079	Web	Servicemember
I placed an order for a rifle scope on XXXX XXXX for {$1600.00}. XXXX XXXX shipped me a much cheaper scope than the one that I ordered. I made a return request for incorrect merchandise received and my return request was approved. I was advised that I would be refunded once the scope was received. The scope was received by XXXX XXXX according to the return tracking and I was never refunded. I disputed the charge with my credit card company as returned merchandise and I won that dispute. At this point XXXX XXXX set up a collections account with Kross Lieberman and Stone for {$1600.00}. This is a debt that I do not owe. I disputed the debt through the three major credit bureaus. I continued to receive harassing phone calls from Kross Lieberman and Stone, and received threats of lawsuits and threats of damage to my credit score. The collections account was ultimately reported on my credit report and has significantly damaged my credit score for nearly a year.
04/04/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77022	Web
This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that THEY ARE NOT BONDED in my state. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 1 ) Kross Lieberman & Stone Inc XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Bond number XXXX AMOUNT reporting {$1400.00}
07/21/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 782XX	Web
I do not answer unknown numbers because of frequent solicitation calls, I received about XXXX phone calls within the span of a day and a half, the caller would not state his business and would just leave a name and number to call back. All of these calls were during business hours when I 'm not able to use my cell phone for personal business. I called the number back when I got a free minute on my lunch hour and spoke with the gentleman, he let me know it was to collect a debt, I asked him if he could please mail or email me a statement so I can make sure it 's valid, he gave me an email address to request a bill, I emailed requesting a bill the same day, I did not receive a response until the next day with my name spelled wrong on everything, I asked them to correct before I make payment. I continued to receive multiple calls while corresponding and cooperating via email.
01/22/2017	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NC 172XX	Web
I paid I 've XXXX dollars and was told my puppy had a 99 % survival rate if I kept her there .. puppy had a turn for the worse I was never contacted when puppy passed I have called multiple time in attempt to speek to dr which I was told would be be only one to adjust fees never revived a call my puppy 's dead. It 's was held XXXX for over 30 days I was told XXXX dollars was the balance then collections is going for over XXXX XXXX the 99 % survival rate is why I kept her there I was told she should make it isf I left her ... again dr never called. It sure if any in my messages were relayed to him but I did pay I 've XXXX to this place. And the collection amount is incorrect and dr never called to discuss further amounts since the puppy did not live with his garunte of 99 % survival had I been told XXXX I would have taken her home just like I told them
10/22/2016	No	Debt collection Medical	False statements or representation Impersonated an attorney or official	NC 273XX	Web
Hello My son went to a fast med urgent care the medical insurance is under my name ( im the dad ) this it was placed on my credit report. This company also put it on my sons credit report as well which it should not be. I have been called daily looking for payment. On XXXX occassion i was told " you really should pay these XXXX bills {$54.00} and i believe {$110.00} other eise we will take our next step and go forward with legal action '' to me thats illegal to say there the lae firm of kross, liebetman & stone. I will proceed with a harassment and unethical collection practices lawsuit. What i would like to happen in order for me to not file a lawsuit and i will even resind this complaint i would like these XXXX medical items REMOVED from my son XXXX credit reports immediatly as its on my credit reports and can continue on my reports.
05/21/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 28092	Web	Older American
Debt was paid by XXXX XXXX ( primary ) and XXXX ( XXXX ) when billed. Then payment was retracted because I went on XXXX during this period and advised the doctors office of the change, but they failed to make changes in their records that my primary insurance switched to XXXX and XXXX was XXXX. The doctors office submitted the claims after XXXX year of the dated service and the insurance companies refused payment. This was the doctors office fault, not mine. they sold the account to KLS collection agency. When I informed Kross, Liebrman and Stone that I refuse to pay a debt that was over three years old according to NC general statute about debts not collectable they viciously set out to ruin my credit and cause me great financial greef because they new I was right and this was there way getting even with me.
11/01/2016	No	Debt collection I do not know	False statements or representation Impersonated an attorney or official	GA 30101	Web
An agency named Kross, Lieberman, & Stone have fraudulently stolen {$950.00} from me and I want my money back. Kross contacted me and claimed that I had an unpaid debt which they were trying to collect. Kross used the false name of XXXX to steal my personal information and made a false settlement agreement with me. Now an agency named XXXX is claiming I owe them and I have a balance of {$800.00} plus that I owe them. This is a lie. Kross appears to be a criminal organization that steals from consumers who are trying to do the right thing. Under that settlement agreement I DO N'T OWE XXXX ANYMORE MONEY BECAUSE I PAID THEM ACCORDING TO THE SETTLEMENT AGREEMENT. AND THOSE XXXX CREDIT BUREAUS ARE HOLDING ME HOSTAGE BUCAUSE OF THIS FRAUDULENT COMPANY CALLED KROSS, LIEBERMAN, AND STONE.
08/02/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22153	Web
Medical bill for injury. Two dates- XX/XX/XXXX and follow up XX/XX/XXXX. Insurance company paid which left a co-insurance payment of XXXX. Did not receive bill until XX/XX/XXXX. Promptly paid by check on XX/XX/XXXX. Check cashed by XXXX ( urgent medcal ) XXXX transferred the debt to a collection agency Kross, Liberman & Stone on XX/XX/XXXX who has been calling non-stop threatening to ruin credit, future job employment and court action. Collection agency is asking for {$150.00}. XXXX confirmed on XX/XX/XXXX that check was cashed to their XXXX XXXX account on XX/XX/XXXX.
05/04/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 28803	Web
Kross.Lieberman and Stone is shown on my credit report as the debt collector XXXX for a XXXX medical collection. I did visit XXXX on XXXX/XXXX/XXXX and my insurance company was supposed to pay and did n't. XXXX collected my {$30.00} co-pay at the time of service. The total bill was {$320.00} but Kross/Lieberman has reported an outstanding balance of {$420.00} on my credit report. I wrote XXXX on XXXX/XXXX/XXXX offering to settle for {$150.00} but have yet to hear from them on my settlement offer. I battled with my insurer, XXXX of NC, for years to no avail.
06/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 287XX	Web
In XXXX 2011 I was the XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX NC. The cash drawers came up short and there was claim of purse missing. I was accused of theft and fired.They asked me to sign a form admitting this and committing to paying them back. I refused to sign it as I was innocent. They have turned this over to a debt collector, XXXX XXXX XXXX XXXX, who produced an unsigned form dated XXXX 2011 as their proof of the debt.
03/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued where didn't live/sign for debt	OH 43229	Web	Servicemember
XXXX XXXX, KROSS, LIEBERMAN & STONE said I owe them XXXX and I disputed this claim and said I did not have a contract with XXXX XXXX, KROSS, LIEBERMAN & STONE and THIS company put this on my credit report. I call XXXX, XXXX, XXXX and they told me that these people can report this on my credit report with out having a contract or social security number all they need is my name and they can report what ever.
03/15/2017	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	NC 27889	Web
I was seen at XXXX in XXXX who then sent personal information to Kross Lieberman & Stone. Kross Lieberman & Stonesent personal health information what type of procedure and reason for my visit which has to be in violation of HIPPA. I also do not see Kross Lieberman & Stone licensed to collect in the state of NC
08/22/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28262	Web
I have previously disputed this account and the Kross Lieberman has stated that they did not get the documentation even though I have previously attached the police report and id theft affidavit. I have additionally faxed prior to this complaint all the information pertaining to this fraudulent account
10/23/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28208	Web
Kross, Lieberman, and Stone continues to report an account in the amount of {$150.00} which was a result of identity theft. I have disputed this fraudulent account and have furnished the police report. This willful noncompliance is causing me damages and has negatively affected my credit score
04/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 90048	Web
Received notice of unpaid debt to XXXX NC on XXXX XXXX. XXXX was paid by check on XXXX XXXX, cleared XXXX XXXX. I have asked by letter the collection agency to verify the debt, they have not done so and have continued to call and write me, despite my letter requesting verification.
12/17/2017	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27616	Web	Servicemember
Ask the collection company to prove they have debt with me and was n't a collection agent that bought a account for pennies on the dollar and is now coming after me for a debt that they cant prove by any form of contract that I ever did any business with thus company!!!
07/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27103	Web
I have asked all 3 credit bureaus to verify that this collection account is mine. I have tried disputing and I have not been successful. The collection in question is XXXX XXXX XXXX XXXX I have filed a ID theft report w FTC
09/29/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30324	Web
I received a credit alert from XXXX on my credit file from this creditor. I do not know this credit or what is the debt is for. Creditor did not send me a letter notifying me of this debt nor provide my a right to dispute.
08/24/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 27302	Web
I was reported with a debt that was opened and originated because someone stole my identity this has already been known by the so called creditors reporting this fraudulentl account the needs to be removed.
08/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28262	Web
this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.
09/21/2016	No	Debt collection I do not know	False statements or representation Indicated committed crime not paying	GA 30101	Web
I accepted a settlement agreement with this agency. I paid off the debt as arranged ; however, this agency has failed to do its part and have the debt removed from the credit bureaus.
01/24/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 288XX	Web
I was never aware of this debt and demand proof
07/23/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91302	Phone

03/11/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45342	Web	Servicemember

01/13/2018	No	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29180	Web

12/28/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27713	Web

12/23/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28590	Web	Servicemember

11/14/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 27604	Web

10/10/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 27106	Web

09/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32114	Web

07/13/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45342	Web

07/05/2017	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28213	Web

05/29/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28212	Web

04/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30318	Postal mail

04/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30096	Web

04/13/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NC 28204	Web

03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92879	Web

02/28/2017	No	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	AZ 85224	Web

02/07/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 27011	Web

12/21/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NC 27406	Web

12/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	AL 36117	Web

12/19/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AL 36117	Web

11/29/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 27519	Postal mail

10/18/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87123	Web

09/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 27822	Web

06/20/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30101	Web

06/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NC 28270	Postal mail

04/14/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AZ 85310	Web

04/05/2016	No	Debt collection Medical	Communication tactics Frequent or repeated calls	NC 27519	Web

01/19/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 28501	Phone	Older American, Servicemember

10/02/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 28546	Web

04/02/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IA 52806	Web	Older American

02/17/2015	No	Debt collection Medical	Communication tactics Frequent or repeated calls	NC 28778	Web

01/22/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	MI 49464	Web

01/15/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NC 28054	Web

12/08/2014	No	Debt collection Medical	Communication tactics Threatened to take legal action	NC 27592	Web	Servicemember

12/02/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	NC 28214	Web	Servicemember

11/10/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	OH 45217	Web

10/20/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	AR 72118	Web	Servicemember

08/27/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 92101	Web