Mitchell Rubenstein & Associates, P.C. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/02/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	VA 23462	Web	Servicemember
Initially I never was contacted by Mitchell Rubenstein & Assoc. They were not the holders listed on my credit report pulled XXXX. XXXX had sold it to another company, and I had to call that company and was told my loan had been transferred to MRA. MRA never sent me a bill or any notification that they had taken over my debt or how or where to send payments. My debt was XXXX. I called MRA on XXXX/XXXX/15, and after being grilled about why I had not made any type of payment and explaining that I did not even know they had my debt, I told them I wanted to make XXXX large payments over the next 6 weeks ( XXXX pay periods ) but could not pay it all off on that day and the women I talked to was ok with that. I made the first payment through their electronic site XXXX/XXXX/15 for XXXX. They called me on XXXX/XXXX/15 to ask me why I had not made a complete payment, claiming I said I would make {$1000.00} payments, to which I had definitely not agreed. I was threatened over the phone to immediately send them {$50.00} or be in default, and I countered that I would send their {$50.00} but then would just pay them {$100.00} a month for the next year or XXXX since my paying them off in large chunks every 2 weeks was apparently too difficult for them. She backed down and said that my sending larger amounts after my payday would be " sufficient ''. I made another electronic payment on XXXX/XXXX/15 for XXXX. When I tried to make the final payment online on XXXX/XXXX/15, their payment website was not working. I called them on XXXX/XXXX/15 and then again on XXXX/XXXX/15 and XXXX/XXXX/15, all 3 times forced to leave a message ( could not get to a live person any time ) asking them to return my call ( s ) as I wanted to make the final payment but the website was not working and I needed an address to which I could mail a check. I still have not received a return call from them. I did receive a letter dated XXXX/XXXX/15 threatening legal action since I was in default. I would not have been in default if they had ever sent me written correspondence when they took over the loan ( then I would have had an address or possibly a more direct phone number ), if they had ever sent me a bill, or if they had returned any of my phone calls. I understand that companies buy loans from other companies, but do n't they have to notify people when they do that?
06/22/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22408	Web	Servicemember
XXXX XXXX was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and XXXX Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed this item and will continue to dispute this item until it is removed from my credit reports. I contacted both credit bureaus on XX/XX/XXXX and disputed this item yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account. I contacted XXXX XXXX on XX/XX/XXXX and they referred me to Mitchell Rubenstein and Associates as it pertains to this account. I did contact Mitchell Rubenstein and Associates on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. I received a letter from XXXX XXXX Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX informed that they sent electronic letters to both XXXX and XXXX telling them to remove this item from my credit reports ASAP and yet it remains. XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/XXXX.
02/01/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 236XX	Web
Since XXXX XXXX XXXX XXXX partner with Mitchell Rubenstein & Associates P. C. have been summonsing me to court for the same debt. I acknowledge the debt was owe to XXXX XXXX but after financial hardship, I could no longer make payments and after going for months without paying the debt I found out it was sold and bought by both parties listed above. I do not owe a debt to either parties listed above and If I did, they never listed the actual amount for which the debt was purchased ( the price less paid ) .I recently filed a complaint against XXXX XXXX but I feel as though XXXX XXXX XXXX XXXX continues to harass and embezzled money from me by claiming I owe the same amount every few months and charging interest and late fee every time I am summons to court. I have been to court a couple of time for the same case which has approximately 6 case number ( but it is the same debt ). My income is being garnished and so far {$800.00} plus has been paid toward a debt I allegedly owe to the party listed. The first time I went to court my bank account was frozen and my only income was child support. The judge order a release or the freeze of the account. I was also led to believe that the debt would have been paid in full by the end of XX/XX/XXXX. The second time I appeared in court, no one from the parties listed appeared, but yet I am charge court fees and interest. My debt ratio is approximately 6 times my income. I should not be financial bullied to pay an amount that double in interest and fees resulting in the parties listed collecting double the amount allegedly owed. My pay is being garnished, but I am being summons to court approximately every 7 to 8 months for the exact same debt.
01/22/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	VA 22408	Web
Mitchell Rubenstein and Associates has only XXXX person answering phone calls and returning messages. It took more than a week for me to finally get to speak to a human being and I had to call 6 times in a row in order to finally get a human. I received notice on Thursday XX/XX/XXXX that they had placed a garnishment freezing all of my accounts and my family 's accounts at my employer and financial institution. I began calling immediately and could not get a human - just an answering machine. I left several messages and received XXXX message back on Weds XX/XX/XXXX at XXXX. Today XX/XX/XXXX I called six times in a row in effort to finally get someone to talk to. Her excuse was she was the only one answering the calls and that they were a little short staffed. Here I am trying to pay a bill and ca n't because they 've made it impossible to pay them unless I want to offer my frozen checking account information to them via internet or phone system. Being a victim of recent identity theft through the IRS I did not feel comfortable in sharing that information without speaking to a human being. They should find more people to handle their business or perhaps not handle as much business until proper service can be provided. Worse yet I could n't pay them unless I borrowed money from someone and pay them back when my funds were released at my financial institution. If I issued a ACH debit through their system it would be returned due to the freeze they put on the accounts. " A catch 22 '' as the agent at Mitchell Rubenstein stated.
01/13/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	VA 22304	Web	Servicemember
Mitchell Rubenstein & Associates , P.C . has had oversight of my debt to XXXX XXXX XXXX XXXX XXXX since XX/XX/2007. An agreement was made to pay {$200.00} every month until the debt is paid in full. Every month, I receive a letter informing me that the pre-authorized collection of {$200.00} for this debt will be drafted from my bank on the first of the month. I've made several calls to this firm over more than a year, to ask for my balance of this debt. As part of their communication, as a minimum, at the end of the year, I feel the Firm should send me the outstanding balance of my debt. At this point, I don't have any idea as to how much I owe XXXX. I would like for you to contact this Firm to have them send them the balance of my debt to dateI called the XXXX number and was given XXXX. I have yet to get the person assigned to this number, and the individual has never returned my call. My information for this firm is : XXXX XXXX, File No : XXXX, Acct no : XXXX. This is the only identification info that they send with my letter of notification for pre-authorized draft of {$200.00}.
12/31/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	VA 20155	Web
I received a dunning letter from a 3rd part debt collector. I attempted to get validation of debt from them by sending XXXX letters to them. I did not receive a satisfactory response. I then sent them an estoppel letter. ( see attached ). This debt collector unbeknownst to me filed an action in XXXX XXXX XXXX courthouse acting as if they were representing XXXX XXXX XXXX, this was fraud on the court. I just discovered a default judgement was entered in XXXX XXXX XXXX XXXX for a debt that was discharged in my wife 's bankruptcy in 2013 as evidenced by her credit report. These 3rd party debt collectors are posing as attorney 's representing XXXX XXXX XXXX, when in fact they are nothing but interlopers that purchased this old debt for pennies on the dollar and are now attempting to collect the entire amount. I was not properly served by a sheriff as required and as a result a default judgement was entered.
12/20/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	VA XXXXX	Web	Servicemember
Original debt was with XXXX. It was charged off my credit and purchased by XXXX XXXX. I then received demand letters from Mitchell , Rubenstein & Associates demanding payment.. I disputed again and never received anything from them either. A judgement was placed against me due to a summons being served at a home I had n't rented in over 2 years! I wrote Mitchell, Rubenstein & Associates on XXXX XXXX and asked them to reverse the Judgement and now just over 1 month later my bank account has been frozen without ANY correspondence from them. They have very POOR and unfair practices, especially over a {$700.00} debt that supposedly occurred in 2012.
08/29/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 22406	Web
offices of Mitchell Rubensten & Associates are under courts favor of a garnishment agenst my Wife 's bank account for the amount owed. in sort my wife lost her job and my income was the only one coming in. are bank accounts are connected but sepurate. Mitchell Rubensten & Associates had all the account she was connected to Lock 100 %. this included my account. this lives me and my wife with no money for other bills that are due. I have tried to talk to them about my account. but nothing but you will have to wait until the next court date of XX/XX/XXXX in XXXX county the case number they have is XXXX
03/09/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	VA 201XX	Web
The debt collector is NOT responding via mail to my efforts to discuss debts. A lawsuit was filed against me at a property I do not live in, after they were notified of my correct address. Ultimately a judgement was made, once again, without using any correct address. Not even the court used the correct address.. Now, in an attempt to discuss the debt, I find myself on perpetual hold with the companies phone-bank and after emailing and faxing them my correct address, I receive no mailed responses of any kind and no return phone calls when I 'm able to speak..
03/01/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TX 78251	Web	Servicemember
No issues with the debt just the amount, it was also at a time when I was laving the state and starting a transition. They sent my case to civil court, when I was in the process of transitioning out of state. I attempted to resolve the issue by calling the firm and never received a response. They have since submitted a garnishment from my pay with I still disagree with the amount and am waiting to resolve this issue by paying them or having the garnishment, but not at the amount they are stating.
07/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20744	Web
XXXX hired XXXX XXXX XXXX of Mitchel Rubinstein and Associates to collect a debt. We had an agreement post judgement. I paid the debt and now he is asking for money for his cost. I have asked for a itemized list, notice of his cost, which he can not provide. Second, we had a agreement and he has not given notice of satisfaction for the debt being paid.
07/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 20744	Web
A judgement was filed against me. I spoke with the attorney to settle. I wrote up our agreement and sent him a check marked XXXX satisfaction in full. After that one was cashed, I sent him the other XXXX amount, which he cashed. He is now saying I ow him interest and filing fees.
11/07/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	VA 24503	Web

02/13/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 21244	Web

01/17/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	VA 23504	Web

08/29/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 22406	Referral

05/31/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MD 20720	Phone

04/06/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	VA 24073	Postal mail

03/15/2017	No	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	DC 20019	Web

03/14/2017	No	Debt collection I do not know	Taking/threatening an illegal action Sued where didn't live/sign for debt	DC 20019	Web

10/05/2016	Yes	Debt collection Credit card	False statements or representation Indicated shouldn't respond to lawsuit	DC 20011	Web	Servicemember

05/19/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MD 21206	Web

05/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 21035	Web	Older American

04/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 23047	Referral

03/22/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	VA 23455	Postal mail

10/29/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	VA 22932	Web

09/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20744	Web

03/14/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MD 21703	Web

01/02/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	VA 24622	Web

11/07/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	VA 23503	Web

12/17/2013	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	DC 20018	Web

07/10/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MD 20715	Web