M.L. Zager P.C. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via
08/21/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 10940	Web
I originally owed {$1200.00} from a medical debt to XXXX county family services from XX/XX/XXXX. M.L Zager placed a judgement against me in XX/XX/XXXX. I had a fair hearing XXXX re : this matter. The decision from that fair hearing was the administrative law judge was with out subject matter jurisdiction to review the merits of the agencies determination to seek recovery of alleged overpayments, to me this means there was not enough evidence to state The alleged overpayment existed. I have been trying to have ML Zager review this document to addressthe alleged debt. I spoke to XXXX XXXX who is the debt collector for this firm and he refuses to review the information. I even went as far as having the deputy commissioner of XXXX county department of social services contact Them to remove the debt and apparently they told him there was nothing they could do because wage garnishment steps have already been taken. And on top of everything else the debt from XXXX has almost doubled due to fees from ML Zager. I also tried contacting XXXX XXXX to attempt to settle this debt with no effect whatsoever I was told since wage garnishment was sent into action there is nothing he would do for me. I would like to know why they are being so unfair. Just like everyone else I 've had debts before and every debt collector is willing to negotiate to settle a account.I was told by the deputy commissioner of XXXX county that they do not deal with ML Zager any longer because of their cruel and unfair tactics
09/06/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	NY 127XX	Web
In XX/XX/XXXX XXXX XXXX XXXX. of XXXX Ny illegally obtained my credit report under false pretenses resulting in a hard inquiry to my credit report. They used the excuse for obtaining report as child support than proceeded to send me a letter in XX/XX/XXXX that they were going to have my accounts frozen. When I went into office in XX/XX/XXXX with the letter, I did not know they had already ran the report without my knowledge or permission. I do in fact have an old medical bill from when I was a child that my parents paid up until my mothers death when they came after me for payment. By the time they MADE me responsible for the bill the interest had raised the bill to over {$10000.00}. I now have the remaining balance down to {$4400.00} on this day. There was a judgement against me for this which has been lifted since I have been faithfully paying and the time has expired. I have been in the process of buying a home and this hard inquiry came up. When I went into the office XXXX first told me it was a mistake and it will be fixed. Within the hour I went back for further information about the hard inquiry. Than a Mr.XXXX tells me while holding the proof in his hand in email form of said credit report inquiry that, they did not do that than he goes on to tell me, we can do whatever we want, and have a nice day. I have not contacted or spoke to anyone in the office since the day nor had they tried to contact me.
07/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 12590	Web
Had a medical procedure on XX/XX/XXXX. After insurance my out of pock responsible was {$250.00} I received notification of the bill in the mail. I paid bill in full via credit card by mail. The charge cleared my account on XX/XX/XXXX. Subsequently I received a bill from a collection agency representing the pathologist demanding payment in the same amount of {$250.00}. I paid this amount also via electronic check which cleared my account on XX/XX/XXXX. On XX/XX/XXXX I received an alert from Experian stating that my account had a negative remark. Upon review I see that there is an entry for {$250.00} in collections reporting as outstanding. Much to my chagrin as I am in the final steps of financing a home. This false entry has caused my credit score to plummet close to 100 points. I reached out to the collection agency and was advised that they would look into the duplicate payment. They sent a letter in the mail stating that the entry would be removed however they only report on the XXXX of each month. which is much too late for my mortgage process. I am praying that this does not cause a negative impact to my mortgage process however something tells me that its going to cost me in paying a higher interest rate. Of all of the times for this to happen ...
03/19/2018	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	NJ 07305	Web
i sent a request for validation multiple times and i keep on getting the same thing over and over again on of the things i requested was " On XX/XX/2018, two documents were sent to me. The first document did not have the validation of debt listed. The only thing that was listed was responsible party, address, balance and a file number ( is what is called " verification '' not " validation '' ) The second document that was sent was addressed to the WRONG person. It should have been addressed to the responsible party. My insurance was billed incorrectly and before making any payment towards a debt I want to make sure that the bill was properly processed through my insurance carrier '' and what did i get back the same thing over and over again i will attach it is an invoice with there companies name i could of done the same thing write my companies name and send them in invoice how does that proof anything and plus i requested a lot of other information and they didn't bother verifying that at all.
09/04/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 109XX	Web
XXXX 2013 was so sick and went to hospital. The finical rep ask me for ins 'i explained to her that I was on unemployment, She then told me she would put my case through charity. i then received a bill in XXXX 2013 for XXXX from the hospital showing the discount granted. XXXX months later I get a call at my job from a collection agency saying I owe XXXX. Since then I have done every thing to comply. to resolve this dispute and error. I have been treated badly by them as well as they lied about the dates when they sent me letters. I have been to XXXX hospital to resolve this error and the hospital has been working with me but the collection refuses to comply to clear this error. They lied when i asked to speak to the representive that there was not a person by that name working there name XXXX. I have a lot of health issues and I am on XXXX now they submitted it to court and refuse to even work with the hospital who is trying to help me.
09/06/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 127XX	Web
This is not fair and all facts should be looked at. This was first a workmans comp case that was wrongfully entered back in XXXX. When workmans comp contacted me I told them this was personal injury and provided health insurance. 2 years later I was never notified of the debt until it showed on XXXX. I called and paid ASAP. I am a business owner and check my credit history Im 100 % on payments. Zager collection claims it was put in back in XX/XX/XXXX. Never revived any mail or anything on this debt. I was forced to pay to avoid bad credit rating. XXXX says it was put in XX/XX/XXXX. Theres a date Discrepancy. When it says XXXX. Good way to Ruin someones life and credit. Its wrong to put this against me and drop my credit rating. Please resolve or help me resolve to get removed. Thank you XXXX XXXX
06/20/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 122XX	Web
On XX/XX/22 ML Zager P.C made an unauthorized and unlawful hard credit inquiry that negatively affected my credit score with all three credit bureaus. At no point in time did I, XXXX XXXX XXXX give them authorization to use my full name, date of birth, and social security number. I called their office at XXXX XXXX, XXXX XXXX XXXX, and a person there was very rude and unprofessional with me and said that I was making threats to file a complaint with the FTC. All of which is well within my rights to protect my personal private information.
07/29/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 127XX	Web
I have an account with my daughter, not only was it her student loan money the account had under XXXX dollars, which by New York State law is exempt and the creditor can not take this money. Also on the NYS Collecters Association there is an explanation on how certain money in the bank is exempt. I explained to the bank and the third party creditor and none of them knew this law existed. I believe the money was taken out against the New York State Levy Laws.
10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 127XX	Web
ML Zager keeps trying to collect on an alleged debt, and continues to report debt on credit reports. The alleged debt in question is from XXXX XXXX XXXX. This alleged debt has been deemed unverifiable several times, including being found unverifiable by XXXX which is the banks screening company. Unacceptable errors in accounting and reporting have been found as well as the original date of delinquency us in question. Too many discrepancies have been noted.
10/21/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NY 109XX	Web
On XXXX XXXX, 2015, someone identifying herself as XXXX from the Law Offices of M.L. Zager, P.C. contacted a third party about a medical bill. They contacted, by phone, a relative who lives in a different household and has nothing to do with my finances at all, asking about me and saying I owed them money. The phone number they called is not a phone number that has ever been associated with any of my accounts, so I do not know how they got it.
06/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 12550	Web
ML ZAGER PC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. I do not owe this debt they have no record of me signing for the medical bill and they refuse to delete this from my credit report. I spoke to debt collection agency ML Zager PC and they agree that I did not sign for the debt but will not report in to XXXX.
07/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 127XX	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
03/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10950	Web
I am seeing on my credit report a collection from ML Zager of the amount {$1800.00} this is a medical bill I am a victim of identity theft and I called them and told them such. This is a debt that resulted from someone stealing my identity.
02/24/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 109XX	Web
it was discovered that M.L.ZAGER, P.C had made a hard inquiry under my name XXXXfor an amount of XXXX. I am reporting it as fraudulent action because they use my info to do that.
12/05/2016	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened to sue on too old debt	SC 29209	Web
Collector sent a letter to my place of employment claiming it was a subpoena asking my job to furnish private information
10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 121XX	Web
ML Zager performed a hard inquiry on my credit report today XX/XX/2023 without my consent.
10/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 12549	Web

05/31/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA 18324	Web

11/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 12589	Postal mail

02/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10941	Postal mail

08/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

03/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 10930	Web

05/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11003	Postal mail

09/07/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 10918	Web

03/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NJ 07417	Web

07/01/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 11211	Web

02/26/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 10963	Web