Malcolm S. Gerald and Associates, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/30/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 605XX	Web
I have been making steady payments ( sometimes twice a month ) to XXXX XXXX XXXX XXXX XXXX XXXX since my hospitalization at the end of XX/XX/XXXX. My original debt for services rendered from XXXX was {$1300.00}. Keep in mind that I also had additional debt incurred from this same hospital visit which I have paid off in full. I currently owe {$1000.00}. Also, please keep in mind that I just received an additional bill from XXXX as late as XX/XX/XXXX for {$180.00} ( 7 months after my hospitalization ). XXXX sent my account over to the collection agency of Malcolm S. Gerald and Associates , Inc . The phone calls started immediately on XX/XX/XXXX. They said I owed {$1000.00}. They said I only paid {$6.00} on XX/XX/XXXX. I informed that they were wrong and that I made a payment of {$100.00}. At that time, they looked into my payment history and only then corrected themselves and said that because I had 3 bills from XXXX, XXXX decided to put the majority of my payment towards the other two bills. They wanted me to make another payment immediately. I told them that I just made a {$100.00} payment and I would make another payment on XX/XX/XXXX when I get paid. On XX/XX/XXXX from Malcolm S. Gerald contacted me at my job and demanded I make a payment. I informed them again that I had just made a {$100.00} payment on XX/XX/XXXX and that I had already informed them on XX/XX/XXXX that the next payment would be at the end of the month ( XX/XX/XXXX ). I also told them that they were violating laws by contacting me at my job and they should stop calling me at my job immediately. On XX/XX/XXXX I received a call on my cell phone from XXXX XXXX from Malcolm S. Gerald demanding payment again. I told Ms. XXXX that I have spoken with them twice already this month and that my payment would be made at the end of the month ( XX/XX/XXXX ). She stated that it is the end of the month. I stated that XX/XX/XXXX is the end of the month and this was the third time speaking with her agency this month. This agency is harassing me even though I have been making steady payments to XXXX to reduce the amount of my debt. Someone needs to provide them with a calendar and teach them what day is considered the last day of the month and not to contact me at my job.
03/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33904	Web
Received a call from this debt collector. They demanded paperwork that they refused to provide and refused to offer an alternative when informed that I could not fill out said paperwork or even find it. When I requested assistance, all XXXX persons spoken to refused to provide it and refused to provide any information on any XXXX assistance. They also refused to accept proof of XXXX and refused to make any accommodation stating that the phone was breaking up on my end ( and that they had " perfect phones '' ) and they did not understand me, but responded to statements easily and only claimed phone problems when I was attempting to explain my problem with them. They also heard all other dialogue excepting what they did not wish to ( e.g. that the amount they were demanding was a fraudulent transaction ). No names were given, when I indicated that no classes were taken nor permission to initiate what the representatives called a " loan '' the statement was ignored. I stated this XXXX times. In addition, no letters were sent indicating this debt even existed or that I had the right to dispute it. All XXXX representatives also threatened ( not stated, but VERY clearly threatened ) to not only report the debt if not paid today ( XX/XX/2015 ) but that the report would ( NOT could, but would without any doubt ) prevent me from obtaining a " mortgage, loan, credit card, and even cable/satellite '' in those exact words. Finally, the recorded portions of conversations were partial and started at varying ( and terribly convenient ) times. The company provided only the name " Malcolm S. Collection '' and additional information was requested but never provided. I requested no further contact from them but XXXX additional pre-recorded calls were made after the request.
04/30/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60110	Web
XX/XX/XXXX Received a letter from Malcolm S. Gerald and Associates , Inc. stating that I owed a balance of {$10.00} to XXXX XXXX XXXX. My wife went to the doctor office and showed the letter. They looked into the system and found the invoice and she paid it. XX/XX/XXXX Received a voice message from Malcolm S. Gerald and Associates asking to call back. My wife called and told them the invoice had been paid. They asked to fax receipt of payment, which she did fax the same day. She also called XXXX XXXX Department and they sent the updated information to XXXX. XX/XX/XXXX My wife called Malcolm to check if they received the fax. They did but refuse to close the account because they have not received any payment from XXXX and that payment made was applied to a different invoice. She then called Advocate to ask why they haven't sent any payment to Malcolm and they said they don't have to pay anything to Malcolm and that I do not owed anything to them since I paid the balance of the only outstanding invoice I had with them. I do not know what else to do. This issue is affecting my credit report.
02/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 251XX	Web
My wife received phone call, in 2014, stating she won a gift card. Along with this conversation she was asked several questions, XXXX of which being her favorite magazines. A month or so later I noticed we were getting billed by an unknown company " XXXX XXXX '' which I assumed was from the phone conversation. When we attempted to call the number back, the individual who answered stated that they had received numerous phone calls regarding this issue, but was in way affiliated with the activity. After this we went to our financial institute, XXXX XXXX XXXX, and had them investigate the matter. They determined it to be fraudulent, refunded our money and halted all further transactions. This has been over a years time with no word since, emails, calls, mail etc. Last week we received a collection letter for {$1100.00} from another company " XXXX '' through Malcom S. Gerald and Associates, Inc. My wife never agreed to any contract or services of any form. These charges are fraudulent and we would like to get this taken care of before any negative impact may hit her credit.
06/23/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	VA 23505	Web	Servicemember
I asked XXXX XXXX XXXX company to cancel my subscription, that I did not realize I had gotten into. I was being charged {$49.00} for magazines. I would not agree to this price. Company stated that I could not cancel and that they would not send me a hand copy of the bill so I could make payments without my credit card being charged. Representative stated that I could not cancel my account and the only thing they would do is send me to collections. The representative asked me if I wanted them to cancel the account a second time and if I wanted them to send me to collections. I stated no.Representative was rude and hung up on me. I tried to call back and the representative hung up on me again. They sent me to collections. I was also over charged, 2 payments were taken out in one month. I paid a total of {$150.00} for magazines that I did not know were ordered. The type of magazines were never discussed so I am getting whatever they want to send me. I received a statement saying that I am in collections and that I owe about {$1000.00} dollars.
06/17/2015	No	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	MA 027XX	Web
This company called my cell phone ( XXXX ) and left a msg on XXXX/XXXX/15 to return their call. Then they called my house phone ( XXXX ) a few minutes later and my wife answered. A women named XXXX XXXX asked my wife to take down her information and have me call them back. She stated she worked for an attorney and that I owed a debt from a XXXXcredit card account. My wife quickly googled this firm and found fraud allegtions and many complaints about them. After careful research we have found they are not attorneys, which is a violation of Federal and State Law, and have found they are not licensed to collect in the state of MA. I called the telephone number she gave my wife and a XXXX XXXX answered. She asked for my name, then she stated that I owed the debt a for a XXXX credit card. I then I asked her to send me documented proof by mail. She replied with " are you denying that you owe this debt? '' I said " no, I am asking youto send me proof.? This went on for a few more minutes and I just hung up.
03/10/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 21146	Web	Older American
This has been going on for months. By example, from XXXX until today, a company called MS. Gerald, XXXX, XXXX has called 8 times. Each time I pick up the phone and say hello, the call terminates. Tonight I called there number back XXXX. The rep was not forthcoming demanding personal information from me while I was demanding the legal address and the name of the owner from him. Once provided, he advised that if I gave him more information that he would then transfer me to whomever was researching a collection debt. My FICA is in the mid XXXX and I have no outstanding issues that I 'm aware of. It would appear that their tactics are to call and hang up until the consumer takes the initiative to call back and then can fall into some kind of trap providing additional personal information. After a few expletives i hung up. I 've not gotten any written advises or communications inquiring or informing me of a debt - period!
03/01/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 600XX	Web
They call my home over and over again. They call my employment and not my direct phone number, over and over again and harrass my coworkers with questions but provide no information for them to take a msg. They just called my job three times in five minutes to our customer service XXXX #. They are going to get me fired and it is very embarrassing. They are harrassing, provide no information and ask for personal information i would never disclose by phone and that they should have already if i am the correct debt collector they are looking for. They will not provide me with the bill they claim i owe, nor are they providing the original creditor information etc. I would like them to stop calling me as a whole until they can provide me by phone the information that i will need to pay this bill if i am the correct debtor.
09/28/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60110	Web
XX/XX/2020 I received a letter from Malcolm S Gerald and associates based out of XXXX but they have an office in XXXX, IL. I called them spoke to the supervisor explained to him that due to COVID I was laid off and wasnt able to pay. The hospital I was in said I wouldnt have to pay for anything since they did help people who made less than a certain amount. Never heard from them until XX/XX/2020 received a text that I NEVER opted in for called back the guy was so rude spoke to me in a very unprofessional way made a comment about me being hospitalized and I hung up I dont owe them anything when the hospital said I didnt I want them to stop bothering me and no one should be going through this harassment from a so called collections company. Were in the middle of a pandemic people are laid off.
10/14/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60164	Web
I contacted the agency on XXXX separate occasions for a VOD and they did n't send it. Then I told the rep who was very rude that I was disputing the debt in which she in turn stated that I did not have a valid dispute as they have my DOB. I called back to get the reps name and no one wanted to give it to me so they transferred me back to her. She told me to contact the insurance company for VOD that the company and client does not provide that. After arguing with her she finally consulted a manager who claimed they will be sending it. Her name was XXXX XXXX as she would not provide her full name to me. Rep was very argumentative and apparently does n't know the laws in which apply to her or her company.
03/12/2018	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 34744	Web
I assume M S GERALD is calling me to collect my phone debt from the number XXXX. The problem is not that they call because of my debt, the problem is they call and when I answer they hang up. When I don't answer they leave voicemails with no one talking, and now my dad calls to tell me that someone from their agency called him trying to find me for a debt collection. I don't understand how they never leave messages or talk to the person who owes the debt, but they do talk to someone else not authorized in that account. I still have to talk to a real person. I even called the number now and all I hear is like if it was a fax line. No one never answers.
10/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 20191	Web	Servicemember
Malcolm S Gerald & Assocs. phoned me on multiple occasions most recently on XXXX XXXX, 2017 at XXXX XXXX. I was at work at the time. The person on the phone demanded that I pay XXXX dollars to settle a debt for magazine subscriptions. I told him I had no such debt, and I had not ordered any magazines. I asked him to send me evidence of this debt which he claimed to have already done. I have never received anything on paper of any such debt. This company is harassing me with repeated phone calls regarding this false debt. According to their website, their address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Phone : XXXX
03/09/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60047	Web
My mother keeps receiving calls ( twice in XX/XX/XXXX and one at the end of XX/XX/XXXX ) from Malcolm S. Gerald and Associates regarding debt that has been paid in full more than 7 years ago. I have copies of my credit reports ( upon your request I will forward ) showing this debt has been paid, and there is no other delinquent debt in my name. I have also never received a debt validation statement or any kind of written communication proving I owe this debt after any of the phone calls.
06/11/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85283	Web
Company calls continually, yet wont tell me what this is about unless I disclose a ton of private information. I am certain this is about a paid doctor bill, that another company tried to collect on until I sent them my paid statement. It appears that company sold the debt to this company once they knew there was nothing to it. This company wont even attempt to let me prove I do not owe the debt.
05/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 62703	Web
Very Arguementive, Recording without permission, have told several times to quit calling and have told to quit recording and they still do anyhow. they call about a bill that was supposedly 4 years ago but just now getting ahold of me, Falsely making reports that they have talked to me before ( at times I was not home ) Representing companies that they are not. They call several times a day /week
04/11/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 08060	Web	Servicemember
I have received repeated calls from this Malcom S Gerald & Associates. Every time I call them back, they do not answer and I have yet to speak to a live person. They have been calling many times and never leave a voice message. I do not know who this company is or why they are contacting me as I have never received anything in writing from them.
06/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60477	Web	Older American
Keeps calling. Never received anything in writing from them regarding any debt. We do not have any debts. They try to trick you into answering the phone by saying that if you do not disconnect, they assume you are the party they are calling. Plain harassment tactics.
10/07/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	IL 60657	Web
Malcolm S Gerald & Associates XXXX has been repeatedly calling me from the number XXXX XXXX XXXX. They keep asking for Date of Birth, without even specify purpose of the desired call. It is very annoying for repeatedly being contacted with no specific reason.
09/29/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CO 80601	Web	Servicemember
I have not been notified properly via certified mail and am willing to pay the full amount today but would like for the account to be deleted off of my credit report due to the fact I would like to have a clean slate with the university.
03/25/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL XXXXX	Web
M S Gerald phone number XXXX called my work number, and demanded my social security number, when I asked what it was regarding the man informed me he would tell me after he collected my information. They have also been calling my cell.
09/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 168XX	Web
Sent a letter to collect {$1300.00} for magazine subscriptions that I did not agree to buy. this is a fraudulent company collecting a debt from another fraudulent company XXXX XXXX
03/26/2018	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 601XX	Web
i have worked out a payment plan with the hospital, they still put me into collections, i have received phone calls all day every day from varies numbers XXXX, XXXX, XXXX,
06/11/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 301XX	Web
I have been contacted on numerous occasions by the company who is trying to collect a debt that is XXXX years ol and beyond the statute of limitations.
12/01/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	IL 60632	Web
My account is NOT in collections. I have spoke with the medical center where I received treatment and verified this,
11/05/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60543	Fax

09/30/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60513	Web

06/07/2017	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60453	Postal mail

12/30/2016	Yes	Credit card	Sale of account	IL 60640	Web

12/23/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 98404	Web

08/01/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't get flexible payment options	MI 48126	Web

04/20/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94590	Referral

04/20/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94590	Referral

02/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 10005	Web

01/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ME 04957	Referral	Servicemember

01/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AR 72601	Phone	Older American

01/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	IL 60085	Web

12/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 65807	Web

12/13/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85395	Web

10/31/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92879	Web

08/06/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78108	Referral

04/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60103	Web

03/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	OH 45373	Referral

02/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 53548	Web

02/18/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	PA 16046	Web

01/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 44137	Web

11/18/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	MI 48386	Web

11/10/2014	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94952	Web

10/29/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95838	Web

10/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90023	Phone	Older American

10/02/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	IL 60068	Web

08/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30179	Referral

07/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 06483	Web

07/19/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60030	Web

07/12/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60030	Web

06/25/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 75033	Web

05/31/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 60521	Web

05/22/2014	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11755	Web

05/21/2014	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 35801	Web	Servicemember

05/14/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 78542	Web

05/14/2014	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 46375	Web

05/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 65605	Web

04/14/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VT 05301	Web

04/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77042	Web

02/26/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 02050	Web

02/25/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	DE 19703	Web

01/18/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MO 64129	Web

12/13/2013	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CA 95320	Web

12/10/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	IL 60629	Web

11/07/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 46204	Web

11/01/2013	No	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	MD 21060	Web

08/05/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MO 63010	Web

07/11/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85260	Web

07/10/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 15139	Web