Pollack & Rosen, P.A. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web	Older American
Debt collector obligations 809. Validation of debts (Part 1 of a 2 Part CFPB Complaint) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. XXXX XXXX XXXX XXXX Pollack & RosenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Reference # XXXX back-dated attached XXXX XXXX XXXX. Notice of XXXX but mailed about XXXX and delivered XXXX and received XXXX Dear Debt Collector: It was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX at 1 (XXXX). In this case, Defendants argument is like the XXXX chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX, XXXX District of Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX. Judge XXXX OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX. The XXXX XXXX strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX world of XXXX XXXX, the clocks striking XXXX is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered. Was the Novel XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ??? Another relevant XXXX XXXX quote stated: In the end the Party would announce that two and two made five, and you would have to believe it. Well Debt Collectors and Creditors, like the totalitarian XXXX Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them. Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!! Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX on XXXX XXXX XXXX based on my XXXX credit report. Did you cause it??? Are you responsible??? But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX dying XXXX Citizen on Social Security with a XXXX (XXXX) credit score??? Judge XXXX needed 139 pages to address the obvious. Your appropriate response requires many many many more than 139 pages to address my following issues. It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages. Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!! You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!! If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!! Here's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations: 809. Validation of debts (a) Notice of debt; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. (b) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor. (c) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s). I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety. This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any. I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it. This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations. If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible. Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence. To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted. I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence. Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt. I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA. Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise. I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual. Accurate account number reporting of accounts is required under XXXX XXXX to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue. Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required. I have never received any Notice from anyone stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT. The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX on XXXX based on my XXXX XXXX credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX for a sinister purpose. XXXX XXXX IS WATCHING YOU!! That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit. While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed. I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents. In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction. I never used the debit card and my debit card was safely locked away and under my exclusive control at all times. After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened. If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB. Are you a SCAMMER victimizing me with IDENTITY THEFT? Are you trying to SCAM an XXXX XXXX citizen? I need AFFIDAVITS with the requested proof. I need the requested proof! I will not get scammed again. I trust NOONE, even ROBO attorneys. Get your ducks in a row!!! I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents. Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment. If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX years old XXXX male and American XXXX XXXX XXXX XXXX XXXX and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit. I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time. Plus, as stated ago, my checking account was wiped out by fraudsters. Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies. My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code XXXX into every account? Do you even know what XXXX means? However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests. I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations. Moreover, if I live long enough, I am prepared to seek personal XXXX 7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing? Do you think you can avoid my USDC DISCOVERY requests and information subpoenas? Do you want the CFPB to come after you when you violate your obligations? Again, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety. Again, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents. Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario. Just STOP all communications! The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party. I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice. Again, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt. Again, if you forward or return this purported 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 immediately report that the purported debt is DISPUTED. Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees. If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $XXXX shall be sought against every violator, plus punitive damages. XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts. While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute. In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct. Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols. The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights. I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report. I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations. I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA. Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims. If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law. You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers. The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations. I suggest you review the checklist to insure compliance before responding to me. You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence. The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately. No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully. If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent? More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX. Why is data reported on XXXX XXXX but concealed from my paper credit reports? Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file? How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers? How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports? The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy. Every communication with a creditor seemed to result in negligent data entry errors by users. Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system. Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data. Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board. One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations. I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX. Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day. Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores. Well, the system tanked my scores needlessly! Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages? Do you want to risk the CFPB coming after you demanding $XXXX+? Do you want to lose clients and be put out of business by the CFPB? I object to having accounts reported on my credit reports as reporting is unconscionable! While your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation. The CFPB and others suggest some of below type of questions for Debt collectors to respond to. I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. Please supply the information below so that I can be fully informed: Why you think I owe the purported debt and to whom I owe it, including: The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA. Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure. If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory XXXX XXXX protocols have been compliant or violated. If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise. Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy. I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes. If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay. The amount and age of the purported debt, including: A copy of the every billing statement sent to me by the purported original creditor since inception. State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing. If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment and amount made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires
09/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web	Older American
Part XXXX of XXXX Credit reporting agencies are not stupid birds, like a XXXX, who can just PARROT or repeat exactly what XXXX XXXX states without the requisite XXXX XXXX independent unbiased inquiry. XXXX XXXX can not make the required prima facie showing required by court procedures to justify its purported disputed data and failure to report my accounts as disputed. I can not cross examine a verified entry so consumer reporting agencies are barred from further inclusion of XXXX XXXX accounts on my credit file. If XXXX XXXX wants me to pay, it can seek Arbitration without having to harass me with frivolous reporting disputed late payments on credit reports. Unfortunately for XXXX XXXX, only a JURY can resolve the dispute at this point as credit reporting agencies can not just PARROT known disputed data known to be incomplete, misleading, deceptive, inaccurate etc. While it is clear and obvious that I was entitled to 3 months of payment deferrals due to OFFERS agreed to by XXXX XXXX XXXXnd accepted by me, only a JURY can provide XXXX XXXX with relief as a jury would be required to decide the application of the rights and obligations of the parties regarding entitlement to payment deferrals and whether XXXX XXXXXXXX acted appropriately. While XXXX XXXX does not have standing and subject matter jurisdiction to enter a U.S. District Court, any attempts to sidestep a JURY trial or Arbitration would result in my filing a U.S. District Court Action or Bankruptcy Adversary proceeding to determine the amount, validity, priority of party claims seeking punitive damages from XXXX XXXX and other violators of the FCRA AFTER extensive and costly DISCOVERY. Because of my failing health in part caused by damages caused by XXXX XXXX no action and threats, I would probably die before court actions and appeals can be completed and my estate would just have to ADD ON additional damages. XXXX XXXX information furnished to consumer reporting agencies must be correct and update the information provided so that it is complete and accurate. 1681s-2 ( a ) ( 2 ). Additional duties a furnisher incurs under 1681s-2 ( b ) are if a consumer disputes the accuracy of information that the furnisher reports. If a consumer notified a CRA that he disputes the accuracy of an item in his file, the FCRA required the CRA to notify the furnisher of the dispute. 1681i ( a ) ( 2 ) and comply with a set of obligations to avoid violations. Thus, FCRA requires furnishers to determine whether the information that they previously reported to a CRA is incomplete or inaccurate1681s-2 ( b ) ( 1 ) ( D ). In so mandating, Congress clearly intended furnishers to review reports not only for inaccuracies in the information reported but also for omissions that render the reported information misleading. Courts have held that a credit report is not accurate under FCRA if it provides information in such a manner as to create a materially misleading impression reasoning that incomplete reporting can violate FCRA when it is misleading. XXXX XXXX affirmatively and unconditional Offered consumers unsolicited 3 months of payment deferrals for affected consumers if hurricane XXXX and XXXX. I accepted expected promised relief which XXXX XXXX refuses by its inaction and failure to process my payment deferrals. Consumers need offered relief without jumping through hoops and trying to reach a rep after XXXX plus hours of calls. XXXX XXXX reporting is so bad that CRAs are now put in actual notice that any reply by XXXX XXXX is unreliable and intended to be willfully inaccurate. Thus CRAs and more importantly, CFPB intervention is required to protect millions of consumers from XXXX XXXX illegal and deceptive intentional practices. With multiple credit card lenders, I can not be reasonable expected to use my valuable time by spending hundreds of hours calling creditors to obtain payment deferrals which must be automatic. The scheme of XXXX XXXX is to do nothing in hope that it will not need to provide relief promised. The CFPB has detailed experience regarding serious credit reporting problems and it is in a position to protect the Millions of impacted consumers from XXXX XXXX and XXXX. The XXXX XXXX held that a report is inaccurate not only when it is patently incorrect but when it is misleading in such a way snd to such an extent that it can be expected to have a adverse effect. Where a CRA is affirmatively on notice that information received from a creditor may be suspect, it is unreasonable as a matter of law for the agency to simply verify the creditors information through the automated consumer dispute verification process without additional investigation. Courts have held a reasonable reinvestigation required more than making only a cursory investigation into the reliability of information that is reported to potential creditors. The question of whether a reinvestigation is reasonable is generally one for the JURY. The grave responsibility imposed by the FCRA must consist of something more than PARROTING information received from other sources, PARROTING information from furnishers creates a substantial risk to consumers. Despite the impacts of XXXX, XXXX XXXX, XXXX malpractice, refusal of insurance to pay my claims and my medical condition, I have been incredibly stressed by XXXX XXXX and others to provide the offered 3 months of unconditional payment deferrals. During all multiple XXXX XXXX conversations, I was made to feel anxious, frustrated, ignored, helpless, confused, and offended. XXXX XXXX refusal to address my points increased my stress level and anxiety. I felt embarrassed, less confident and depressed that XXXX XXXX repeatedly said I owed money by its failure to offer the 3 months of payment deferrals offered to all other consumers. I was worried that XXXX XXXX would completely drain my Social Security checking account each month in the future further wrongly escalating things to negatively impact my credit in complete disregard for the FCRA. I am still in shock about how I was treated on the phone because I simply have never had such hostile, offensive, and aggressive conversations with another person in a professional setting. Because of XXXX XXXX discrimination and refusal to process the offered 3 months of payment deferrals, I have suffered severe emotional and mental distress. Distress, including mental suffering or emotional anguish, is a personal injury familiar to the law, customarily proved by showing the nature and circumstances of the wrong snd its effect on the plaintiff. CAREY v Piphus, 435 U.S. 247, 263-64. Recovery for that type of injury has been part of our common-law tradition for centuries. Congresss judgment sought to prevent the variety of negative effects that reporting inaccurate credit information can cause. Even the threat to report disputed information is an inherently abusive, injurious, and coercive shakedown because it forces the debtor with a legitimate ground for disputing a debt to choose between waiving the right to challenge the debt or risk long-lasting negative financial consequences. This type of concrete harm is actionable without the need to show additional harm. I could continue on and on but I will stop here as I can always supplement matters later. I have obviously spent considerable time and effort in this matter to make my complaint clear and unambiguous. Conflicts between what I state herein and any transcripts or unknown summaries of phone transcripts must be resolved in favor of this complaint. I am also sending this complaint by certified XXXX mail return receipt requested to put XXXX XXXX, XXXX, XXXX, XXXX and all closed account creditors including Bank XXXX XXXX, XXXX Bank, XXXX XXXX XXXX XXXX about my dispute about their data and the consequences of continued FCRA violations. This complaint can not be accurately summarized into a box as complete forwarding of the entire dispute must be delivered by each CRA to XXXX XXXX and all closed accounts. CRAs can not assume XXXX XXXX receives and processes my dispute so they must securely deliver the complete complaint with exhibits to XXXX XXXX so that all FCRA requirements are satisfied without exception and without violations. Quite frankly, every CRA has sufficient grounds to DELETE XXXX XXXX accounts without waiting for a XXXX XXXX response to show good faith in an attempt to mitigate damages and avoid FCRA violations. In any case, XXXX XXXX needs to address each and every point in detail as would be expected in a XXXX Supreme Court decision unless it prudently instructs every XXXX to delete the file permanently. Hopefully, the CFPB can just intervene promptly causing all closed accounts to be permanently deleted so that XXXX XXXX and every CRA does not have to admit or deny wrongdoing. I could continue and continue but at this point I will stop. Any XXXX point of the numerous points made would justify my requested relief. In combination, all of my points overwhelmingly justify the immediate need for the requested relief. I respectfully request : XXXX. The immediate and permanent deletion of each and every XXXX of my accounts of XXXX XXXX from every credit reporting agency, including XXXX, XXXX and XXXX ; and XXXX. Actual damages from XXXX XXXX and any violating CRA {$1000.00} statutory damages against XXXX XXXXXXXX and XXXX for each and every account for each and every FCRA violation for each and every day a FCRA is contained on my credit reports -plus punitive damages of $ XXXX plus reasonable attorney fees and costs ; and XXXX. A comprehensive investigation with sanctions or other relief by the Consumer Financial Protection Bureau about XXXX XXXX and XXXX policies and handling regarding payment deferrals and other relief evasion or avoidance policies by XXXX XXXXXXXX and XXXX lenders ; and XXXX. The immediate and permanent deletion of every closed credit card account from every CRA ; and XXXX. Deletion of all data from my credit reports by CRAs which is disputed, inaccurate, false, deceptive, misleading, incorrect, unverifiable, improper, incomplete, meaningless, discriminatory, harmful, irrelevant, non-compliant, inconsistent, frivolous, abusive, threatening, unreasonable, unclear, unwarranted, unreliable, unproven, uncertain, Non-investigated to assure maximum accuracy, illegal, prohibited, unconstitutional, unequal treatment, discriminatory, XXXX, damaging, malicious, negative, insufficient, usurious, negligence, misconduct, coercive, etc. ; and XXXX a determination that good faith has been shown that I XXXX be entitled to statutory, punitive and other damages for FCRA willful violations which damages XXXX exceed creditor purported claims making credit reporting unwarranted, irrelevant and inappropriate except to harass me for no justifiable purpose ; and XXXX. Immediately and Permanently marking every closed account as DISPUTED BY CONSUMER and prohibiting the reporting of direct or indirect potentially negative or negatively inferred data unless and until a dispute is finally resolved by a U.S. District Court JURY ; and XXXX. The return of all amounts paid since XX/XX/22 ; and XXXX. For such other or further relief that may be just, proper and equitable in the light most favorable to me as consumer NOTE : My primary objective is permanent deletion of all my XXXX XXXX and other closed accounts from my credit files of all credit reporting agencies. If the CFPB can help obtain my primary objective, I will be extremely happy and thankful to the CFPB and it may effectively MOOT other relief to be determined, if sought, in the sole appropriate jurisdiction in a jury trial in the XXXX XXXX XXXX in XXXX. Sincerely, XXXX XXXX
09/05/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 330XX	Web
I asked this company to validate a debt and sent them a verification letter, i requested certain information from them which i never received. however, in turn they are suing me ... this is the start of a lawsuit i will file soon for violating my hippa rights and fair credit violations. below was two ( 2 ) request letters sent : From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/2019 To : Pollack & Rosen P.A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executrix on behalf of the XXXX XXXX XXXX ESTATE, is in possession of your recent voluntary submission of evidentiary documents POLLACK & ROSEN P.A. must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, in order for POLLACK & ROSEN P.A.. to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate! Failure to substantiate the claim, please settle account immediately within the next thirty days. Sincerely, XXXX XXXX XXXX Executrix of the Estate Debt Validation Letter XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Pollack & Rosen P.A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX RE : Account # XXXX and/or alleged Account # XXXX Validation Notification for Pollack & Rosen P.A . Collection Company on behave of XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( Pollack & Rosen P.A.. ) or proof youre in fact legal in the state of Florida to collect any payment. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Pollack & Rosen P.A. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards, _______________________________________ XXXX XXXX cc Federal Trade Commission Florida Attorney General XXXX XXXX Pennsylvania Attorney General XXXX XXXX : XXXX
07/08/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	MI 490XX	Web	Servicemember
My wife and I separated in XXXX of XXXX. She moved to Michigan while I stayed in Florida and attempted selling our jointly owned home, which I sold in XXXX of XXXX. She moved to Michigan in XXXX of XXXX. In XXXX of XXXX, XXXX XXXX Bank began sending collection letters to my mother 's address in Florida for my wife 's credit card bill. My wife has never lived at my mother 's address, has never had an ID with that address, and has never given that address to any company or person. I have also never had an ID with that address, nor have I lived at that address, nor was I an account holder on my wife 's credit cards. A law firm by the name of Pollack and Rosen of XXXX XXXX, Florida, started calling my mother 's home phone and asking for my wife. They would call as late as XXXX XXXX, multiple times per day, and harass my XXXX year old XXXX mother about my wife 's debt all while also sending letters to her home address. My mother was getting letters simultaneously from XXXX XXXX and Pollack and Rosen concerning a debt they felt they had with my wife. On several occasions, I contacted XXXX XXXX and tried to get them to tell their lawyers to stop sending letters about my wife 's debt to my mother. Yet, they refused to help me because this account was not mine, it my wife 's ... And since we were separated, I could not put her on the phone for them to talk to. Since they couldn't verify me as an account holder, they refused to talk to me and refused to stop sending letters to my mother 's home. So, the letters and calls from their lawyers continued. I attempted to contact Pollack and Rosen law firm, but was told that until my wife called them, they would not help me. I repeatedly told the lawyers office of Pollack and Rosen that they were in violation of the FDCPA, under Subsection A and B, as well as section 1692g and their response was the following : " Thank you for the information but unfortunately we would need to speak with the account holder before we can fulfil your request... '' Along with " it is really not that complicated " ( Screenshot of email attached ) I feel as though the law firm of Pollack & Rosen have also violated the FDCPA by suing my wife in Florida considering the credit card was signed up for in Michigan and she currently lives in Michigan. They sued her almost a year after she moved from Florida to Michigan and instead of doing their due diligence and finding that she updated her License and Address through the Michigan Secretary of State, they sued her from across the country and sent the only correspondence to the debtors elderly mother in law. Those are shocking statements, but those are the facts and can be easily proven with a picture of my wife 's ID that shows the issue date, along with the credit card terms and conditions, which were signed by my wife, with me as a witness, when I was a Federally Licensed Loan Originator with full NMLS accreditation in XXXX, Michigan in XXXX. Also, per section 1692g of the FDCPA, " a collector must File a lawsuit in a proper venue. If a debt collector chooses to file a lawsuit, it may only be in a place where the consumer lives or signed the contract. [ 32 ] ''. I have copious amounts of recorded calls that can be subpoenaed from XXXX XXXX, I have in writing via email Pollack and Rosen refusing to adhere to Subsection A and B of the FDCPA, I can obtain issue dates of my wife updating her address with the State of Michigan, I have records of all of this that can be shown in court if need be. These violations have caused my family a tremendous amount of stress and I want to see that Pollack and Rosen and XXXX XXXX are held accountable for their violations of the FDCPA.
01/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	FL 33169	Web
I am filing a complaint against Pollack & Rosen P.A, a debt collector, and XXXX XXXX, a debt collector. They erroneously put a judgment against my name without first giving me the consumer the ability to defend myself. On XX/XX/XXXX I applied for a loan, which I would have qualified for, however was denied because a representative/loan officer informed me that I had a judgement against my name filed on XX/XX/XXXX, by XXXX XXXX , Pollack & Rosen P.A , a debt collector. After my attempts to call XXXX XXXX I was redirected to the Law offices of Pollack & Rosen P.A, a debt collector. After speaking on the phone with someone who I believe was a representative, I asked her for more information about this judgement, that I had no clue about, and why I had not receive anything in the mail that would have allowed me to defend myself. I told her that if I would have received any form of communications as indicated under the FDCPA, I would have had a chance to do more investigation and I would have had the chance to let them know that this was a result of identity theft. She informed me that her team would look into it and do an investigation with XXXX XXXX.. After I spoke to the Pollack & Rosen P.A rep, I called XXXX XXXX again, they first advised me to call XXXX. But I told them XXXX told me to call them. After going back and forth with a XXXX XXXX agent I asked to speak to a supervisor. I asked the supervisor if records had shown that last year in XXXX that I had filed a complaint with the CFPB and that I was a victim of identity theft with XXXX XXXX. He said that he did see that there was a complaint filed by the CFPB but it wasnt final. On XX/XX/XXXX, after waiting on the phone for more than twenty minutes, a rep at Pollack & Rosen P.A informed me that my identity theft claim was invalid. How? How can I a consumer, claim an identity theft against me and have a faulty elaborate system of mechanism conclude its invalid when no one called me, neither XXXX XXXX , Pollack & Rosen P.A or XXXX to ask me any questions about this account. XXXX XXXX and Pollack & Rosen P.A both debt collectors are performing actions 15 USC 1692g, by not sending me any notice in the mail giving me the consumer the change to access this action. Therefore I filed an identity theft report with the FTC see ( attached, ) and a copy of my affidavit of truth notarized see ( attached ) stating that I am a victim of identity theft with XXXX XXXX. I have sent my documents to XXXX XXXX and Pollack & Rosen P.A, both debt collectors who now have information with actual knowledge of errors per 15 USC 1681s-2. Therefore, in light of these errors, I am demanding that XXXX XXXX and Pollack & Rosen P.A remove my information of false judgement against me in public records, as well as blocking/ delete my information from XXXX and all other consumer reporting agencies that they have reported my name within 5 days. Because my livelihood is being affected, if these actions are not taken care of in the time frame, I will be seeking civil remedies under the consumer protection laws that protects me as a consumer and the compensations that I am entitled too. Thank you for your attention to this matter.
08/06/2023	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	FL 32907	Web
Back when I was in college I was misguided and took private student loans through XXXX XXXX XXXX. This was over 20 years ago. I fell into financial hardship and was unable to pay the loan. I did try working with the company and offered to pay something, but the company refused. The company filed a lawsuit which dragged in court for 10 years or more, looking at the loans the statute of limitation is passed. These loans along with other private student loans were XXXX in bankruptcy. XXXX XXXX forgave my loans but XXXX XXXX XXXX continued to come after me. On XX/XX/XXXX, the judge granted a judgement. At this point I had given up and had no argument. Plus, I hired an incompetent attorney who had no clue what he was doing. I couldn't afford to pay him anymore and I fired him. I filled out whatever paperwork they needed. I was ordered to pay I believe was a little over XXXX plus court cost. I noticed the paperwork asking if I was head of household which I am. Section 222.11 of Florida Statutes states that a creditor may not garnish earnings that include wages, salary, commissions, and bonuses payable to a debtor who is head of household. On Monday XX/XX/XXXX, I received a at XXXX PM I received a call from a company called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was working at the time and couldn't answer but returned their and spoke to someone by the name on XXXX XXXX at extension XXXX. I am doing whatever I can to put this behind me, so I wanted to hear what the agent had to say. She said they were willing to settle this debt with me due to a promotion they are running. We can settle for up to XXXX XXXX I told them to give me a few says so I can speak to family in attempt to get this money. She put me on hold stating she was going to speak to the wage garnishment department. At that point I was confused. How am I head of household, and they are garnish my wages. She advised that the company was in process of filing for wage garnishment through my employer. I proceeded to ask the agent if the loans she is talking about was including the XXXX. She answered no. AT that point I questioned the legitimacy of the call because if I was ordered to pay back XXXX. According to what she is telling me the company is trying to charge me over XXXX. Something about this whole thing does not sound right because I had one of those cases/loans dismissed by court some time in XXXX. I am currently paying all of my household bills and providing care for my wife and three children while she is looking for work. I am in and out of the hospital, my most recent stay due to a XXXX XXXX. I can not afford my hospital bills let alone this debt that it seems the agent is tacking on more money that I owe. I would think that they would not use intimidation tactic and add money being that this is a law firm and we are working with a court order.
08/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32819	Web
XXXX XXXX XXXX filed a lawsuit against me for unpaid debt on what I strongly suspect is a fraudulent credit card account opened in my name. The debt amounts to a total of {$1600.00}, due over 2 years ago on XX/XX/XXXX, with a statement closing date of XX/XX/XXXX. The original issuer is XXXX XXXX. Pollack & Rosen is the attorney for the plaintiff, and the pretrial conference will be on XXXX at XXXX XXXX I logged into that XXXX XXXX account and checked the contact details ( I don't have access to the account details ). I discovered some key things : 1 ) The email listed on the XXXX XXXX account is not mine -- I recognized it immediately as my sister 's. This explains why I hadn't received any emails for the past ~3 years. Receiving the pretrial conference notice was a complete surprise to me. 2 ) That same email also appeared on my credit reports with XXXX, XXXX, and XXXX. 3 ) I never lived at the address mentioned in the trial notice, which I also recognize as my sister 's previous residence. That address appeared on my credit reports too. So I disputed both the address and email with all the 3 aforementioned credit bureaus. 4 ) Whoever opened the credit card account did so using my middle name, not my legal first name, so that's another mistake they made. ( I don't want to jump to the assumption that my sister was responsible for this, I don't know if she was framed or not ) 5 ) I don't recognize the charge that I owe the debt for, which is a " Promotional Purchase. '' I tried to look at those above transaction details to know more, but I came to a dead end because of these obstacles below : 1 ) XXXX account. I tried to check 1 ) the account details and 2 ) the transaction history, but I don't know the original account number besides the last XXXX digits mentioned in the trial notice. I asked XXXX 's customer service for the Account ID I need to log in, but they just forwarded me to XXXX XXXX XXXX, so XXXX became a dead end. XXXX XXXX Pollack & Rosen account. My First Name is wrongly listed too, but I haven't found any other relevant information about the fraudulent credit card account. I think I've exhausted all my options for founding out more about this fraudulent account and what the transaction history looks like. My pretrial conference is in XXXX weeks and I would like an investigation into this case. I hope to get an answer soon if at all possible and have enough time to prepare before the conference. Below I attached my credit reports ( disputes still pending ) which show that fraudulent address, as well as a screenshot of the contact detail on the XXXX XXXX account.
09/12/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 338XX	Web	Older American
Pollack and Rosen P.A. on XX/XX/XXXX claim to have mailed an Affidavit of Amount Due to me which included a claim of default of payment. This AOD never arrived at my address and a Final Judgement for Payment and Fact Information sheet was ordered in favor of Pollack and Rosen P.A.. I was shocked when I received this Final Judgment and FIS on XX/XX/XXXX. Pollack and Rosen P.A. has been notified several times by me from XX/XX/XXXX- XX/XX/XXXX that they made mistakes and asked to correct the mistake, and amount with the courts, or send me the date of the allegid default. I was not in default and the amount Pollack and Rosen is asking for is more than I owe. I make/made my payments No default exhists, that the A.O.D. never arrived to my address and was never scheduled for delivery. I was unaware of this new court action. Pollack and Rosen P.A. has not responded to any communication from me, and because of no response I was Forced under stress and duress to Pay {$440.00} within 45 days or return the Fact Information sheet which required I provide under oath the social security numbers and birth dates of myself and spouse, the names and address of my children, ALL finacial accounts including spouses ( who never had a connection to the credit card ). with account numbers, auto titles, property deeds, names and addresses of anyone I sold items to of {$100.00}. or more and names and addresses of anyone who owed money to me. This FIS is extream asking for public and non public private information and on an amount under {$500.00} and in my personal oppinion an invasion of privacy and questionable what is done with this information since the information would have no gurantee of protection. At the moment defamation of my charcter and unfair dept collection practices seem reasonable. Pollack and Rosen P.A. intent in my eyes since they have been advised several times of the mistake and asked to correct their mistake seems clear to me. The intent is not a mistake and appears to me to unfairly collect money or personal non public very detailed financial information by way of missing mail, order of FIS return or pay Final Judgement, and breech of court agreement ( Order Directing Payments XX/XX/XXXX ) by forcing me to pay all now instead of the court ordered monthly payment and asking for more than I owe. I paid what was owed. Personallyl I would like the {$440.00} returned to me and I resume the court ordered payments as Described in the Order Directing Payments XX/XX/XXXX and the court records corrected to show no default.
04/12/2015	No	Debt collection Credit card	Communication tactics Threatened to take legal action	FL 323XX	Web
Pollack & Rosen began calling me indicating that they were representing XXXX XXXX XXXX XXXX XXXX in reference to a debt that I have with Portfolio Recovery. They began calling on XXXX XXXX, 2015, in which they called 4 times in that XXXX day, but they did not leave a message. The debt is for a XXXX XXXX XXXX account with XXXX. I informed the representative from Pollack & Rosen that I had made payment arrangements XXXX XXXX and that I have the paperwork that outlines the payment arrangement. The Representative, XXXX, stated that they did not have any record of this payment arrangement. He implied that he did not believewhat I said. I told XXXX that I would contact XXXX to make sure the arrangements were still in place. He began stating that they would file the necessary paperwork to file a lawsuit in my county if I did not make payment arrangements with them. XXXX made a veiled threat that if I wanted to make this " go away '' I would need to take care of this with their firm immediately. I again stated to him that I had made payment arrangements with Portfolio Recovery, their client, and that XXXX was satisfied with the payment arrangement and that I also have the paperwork detailing the payment arrangement. XXXX then put me on hold and came back to the phone stating that he had spoke with their " Lead Counsel '' and that Lead Counsel said that XXXX had retained them as their attorneys and they are going to proceed with filing a lawsuit. I donot understand how a law firm can go ahead and sue you when their client has already made payment arrangements with me. I have spoken several times with XXXX XXXX XXXX about this situation and they reassured me that they are satisfied with the payment arrangements that they had made with me. Also the representative informed me that XXXX XXXX XXXX had made a mistake in sending my file to this debt collection attorney. I have the paperwork from XXXX that states that they would not send my account to a debt collection attorney until after XXXX XXXX but they sent it on XXXX XXXX. I made payment arrangements with XXXX on XXXX XXXX, 2015. XXXX XXXX admitted their mistake, but this debt collection firm was extremely rude and threatening. XXXX, the representative from Pollack and Rosen also made the statement to me that " I seem to be an Intelligent person '', which I found to be extremely condescending. I feel that I should not be harassed for the mistake that XXXX XXXX XXXX made, and to which they admitted to, by this debt collection firm of Pollack and Rosen.
03/24/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33570	Web	Servicemember
Several months ago I contacted XXXX XXXX on an old credit card bill that was charged off so I could help increase my credit score. The amount was under {$1500.00}. It was agreed verbally that the payoff would be decreased to {$700.00}. I was able to pay {$500.00} that day and agreed to pay the remaining {$200.00} when I could over the next several months. They agreed on a recorded line and also sent me a settlement letter. Since that time, I can not find a copy of the settlement letter they sent me as it was in my briefcase stolen from my fiance 's truck when there were break ins in our neighborhood in XXXX County ( they also stole his laptop and we have proof of all this/the thieves were apprehended ). That being said, this past week I have been receiving letters from several lawyers that a class action suit has been filed against me by XXXX XXXX - at least 5 letters came. I called XXXX XXXX 's customer service number but it only asks me to please hold and then a law firm picks up. I explained to them that I had reached a settlement agreement with XXXX XXXX but they refused to listen, stating I owed over {$1400.00} and needed to produce the settlement letter to prove this. I told them I needed to speak to XXXX XXXX because the call was recorded and I did not have a copy of the letter, and asked if there was another number I could call. The first staffer I spoke to stated I needed to speak to XXXX XXXX directly but I told them I keep getting transfered over. He couldn't help me. The second staffer I spoke to stated the same - you owe {$1400.00} and at that point I got very upset and stated I was not hanging up until they put me in touch with XXXX XXXX or gave me a number to call them - so she hung up on me. I feel this is fraud and they are trying to collect money that is not owed. I payed the {$500.00} and only owe {$200.00} but how can I prove this if I can't get through to XXXX XXXX? This law firm is blocking me from getting through to XXXX XXXX to get the legitimate information which is my right. They are demanding money that is not owed and this is in no way fair
05/22/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34997	Web
I had lasik at the XXXX institute. it is XXXX per eye UNLESS you opt for the lifetime assurance, I did that, the bill then was XXXX. I have no paper work and no one will provide me any either. REGARDLESS, they breached the contract a year later when they neglected to see me. I tried explaining this to XXXX XXXX that owned the debt but they sued, used hayt and hayt and their attorney that told me it did not matter that the debt wasnt valid, the judge would believe them, and i could claim head of household and they wouldnt collect due due that status but to be clear the judge would side in their favor anyway. I was scared and I signed the paper. Now XXXX attorneys are trying to garnish me for this debt I dont owe. XXXX ward at the lasik institute said I dont owe the debt and that I couldnt use the lifetime, she stated she would call XXXX. I also did a BBB complaint and in that they replied the debt had been sold, they know nothing about any payments and if i wanted I could come back anytime. this is totally contradicting the information that took me numerous calls and a solid week to collect -- I do not want to do this it has been since 2005 when I had this done. I would never trust them to do anything to my eyes. I believe the statement was false to make it seem on the BBB that they were accommodating. The main point is they breached the contract and I just want to be held accountable to the once and done pricing of XXXX a eye which i believe is fair to all parties and was paid the first year. After they failed to honor the contract, I defaulted after that because the company always made excuses to " return my calls '' " computers down '' and answering machine messages were my only contact options -- at that time they told me I had to see them for the lifetime yet they made NO attempts to allow me to see them.Someone needs to contact XXXX and tell them they purchased a fraudulent debt and are pursuing a single mom head of household supporting my son person. someone should then investigate the lasik vision institute for their shady practices. I should not own this debt!
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32836	Web	Older American
Address for service of lawsuits To : XXXX XXXX, XXXX. Re : Your violation of my cease & desist notice, debt validation procedures etc. etc. regarding XXXX XXXX, XXXX. And its debt collector Pollack & Rosen , P.A . I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
06/03/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33437	Web
As recent as last month, I have been requesting to have an old charged off account with XXXX XXXX removed from my credit report with no results. This account was wrongfully charged off and I was taken to court by a lawyer for XXXX XXXX in 2018. They sent me emails threatening to turn the account over to a lawyer and charge it off and ultimately took me to court. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction. I demand this account be removed from my consumer credit reports, credit files and investigative credit reports pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer credit reports, credit files and investigative credit reports immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. Throughout this entire process the following violations occurred : 15 usc 1692i, 15 usc 1692e, 15 usc 1692d, 15 usc 1692b, 15 usc 1692 a. Additionally, pursuant to TILA 12 15 usc 1602 g. In compliance with above mentioned laws, I am requesting deletion and financial remedy.
05/13/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33880	Web
This was paid off in a settlement through Pollack & Rosen for XXXX XXXX XXXX. I have a letter stating the account is paid in full. However, it is now XX/XX/2022 and XXXX has created a new account number for the {$2900.00} which was forgiven in the settlement, put it back on my credit report as being owed and reporting late payments. I have reached out to them multiple times and they say it is in the process of being closed but it is taking time. We believe they are stalling in hopes to collect the balance they agreed to forgive. We have disputed it on our credit report and XXXX came back verifying the information is correct and states it is still owed. We have had our lawyer contact the credit bureaus telling them to remove it off my report based on the letter stating paid in full. However the credit bureaus have listened to the debtor vs using the letter from there lawyer representation stating the account is paid in full. This refusal of XXXX to correct and honor their settlement has caused issue on my credit report and is a true violation of 15-U.S.C.A. Sec. 1681i. We can provide the documentation from all lawyers to show this account is paid in full and should be removed with no late payments reported. Since they notified the credit bureau when we disputed the account on our credit report they returned it to them as valid an still owed. This shows additional continuation of deceptive practices on their side. Our next step is to sue them with our lawyer charging them for the legal fees.
02/06/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34684	Web
XX/XX/XXXX : It was brought to my attention that my phone number had been ported and thieves had gained access to all of my financial accounts, including XXXX XXXX. XX/XX/XXXX : I filed a police report with the XXXX County Sheriff 's Office regarding the theft and reported all debt as fraudulent to the various financial institutions, including XXXX XXXX. ~1 Month later : All banks cleared the debt, issued new cards, etc EXCEPT XXXX XXXX. Several follow up calls later and they still would not resolve this issue in my favor. XX/XX/XXXX : XXXX XXXX sent the debt to collections and I was contacted by a collections agency for {$2700.00}. This debt is NOT MINE and was from purchases at XXXX in a different part of the state. I called this agency ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and the rep advised they would send the file to compliance when I advised them of the situation. XX/XX/XXXX : I received another letter from the agency that they are seeking legal action against me. I called and this time they requested the police report so they could send it to fraud. I submitted this information. XX/XX/XXXX : I received another letter saying they had contacted XXXX XXXX and they have verified the debt as legitimate. XXXX XXXX is not behaving in my best interest as a verified victim of identity theft. This issue should be resolved in my favor and has caused significant heartache on my behalf.
06/27/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33165	Web
I am having a problem with an unsecured debt held through XXXX XXXX XXXX and hence sold/transferred to collections held by Pollack & Rosen P.A. out of XXXX XXXX, FL. The account was originally disputed by myself for charging that is not in accordance with my understood payment schedule and other unauthored/unknown charges including and not limited to late fees. I challenged the matter with XXXX XXXX on more than 5 consecutive occasions and also via the CRA 's ( XXXX, XXXX and XXXX ) and the company never validated or documented the debts, instead it sold the collection to Pollack & Rosen P.A. I likewise contacted P & R P.A. and made my case clear that I had not once been notified or provided the results of an investigation in compliance with FDCPA and FCRA laws. The company did not communicate with me or reply to my query. This week I received a solicitation from an Attorney trying to sell me services to defend against the lawsuit. I conducted a search at the clerk of courts and have found no such lawsuit. I called the attorney and they told me the data in filed. Yet I have not been informed in any manner by P & R P.A. I consider this an underhanded and illegal attempt to collect upon a challenged unsecured debt. I am asking the CFPB to help mediate this situation.
10/07/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 32305	Web
I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX XXXX ( XXXX ) XXXX. However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX XXXX XXXX ( XXXX ), XXXX. legal counsels, and was fighting the cases. Then the courts were shut down inXX/XX/XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. A few days ago ; the collections agencies made new reportings to XXXX about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. In the XXXX SC XXXX lawsuit ; Pollack & Rosen , P.A . brought this old credit card from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ; They are a debt collections agency that buys old charge-off debt from major companies then sues the debtor by pretending to be the original creditor. ( see attachments )
11/30/2015	No	Debt collection Credit card	False statements or representation Impersonated an attorney or official	FL 34997	Web	Servicemember
In 2009 XXXX and XXXX " represented '' XXXX whom had purchased a debt from XXXX XXXX whome purchased from XXXX Bank, and the representative prior to us meeting with the judge coherced me to sign a settlement form by stating whom did I think the judge would believe me or her an attorney and besides since I was going through a divorce at that time most likely I would file bankruptcy and as head of household no one could ever come after me. NO ONE EVER VALIDATED ANY DEBT AMOUNT. Then I recently had Rosen and Pollock try to garnish my wages stating I owed XXXX ( per a XXXX XXXX ) Then when called on this to complete a payoff a XXXX informed me that I neglected my debt I had a contract with them, she mentioned that she was an attorney, an attorney representative and also XXXX that is no longer around. The problem all along with this was that the XXXX XXXX institute did not honor their contract and by breaching that contract I should not pay for a XXXX for which I can not use. I get the run around with lasik and any credit to be offered has to be through them and routed accordingly. I dont have a problem paying what is fair and just but not the almost XXXX XXXX stated I owed because I had not paid my bills.
03/13/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33068	Web
On XXXX Pollack and Rosen , P.A mailed out a correspondence to my home notifying me that they were the new lead of counsel for an alleged debt owed to XXXX XXXX XXXX XXXX I also received a letter telling me that a judgement has been entered against me and I would need to make an immediate payment. The correspondence also stated that is was a strong possibility I was facing a wage garnishment order. I called the company to advise them that this was an alleged old debt and another collection firm attempting to sue me for this matter. When I asked the representative on the phone how much did I allegedly owe this company. She stated that I owed {$14000.00} which was not what the paper stated. I was then transferred to the wage garnishment department. The gentlemen on the phone was extremely aggressive about the matter. He demanded that I pay {$410.00} a month or else. I advised the representative that I was on a fixed income and could barely pay my bills. The representative said Well i dont know what to tell you. After that call ended I was extremely upset, confused and scared for my life. I am already in the lower income class base and this erroneous debt is going to cost me my entire life.
10/03/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33323	Web
This company has a number of accounts they have been contacting me about. The accounts have my name but I have contacted the banks who issued these credit accounts but the banks verified the social security number does not match my social security number. I have contacted this collection company via email, fax and US mail alerting them to this. The company responded to two of the accounts after I filed disputes with the three major credit bureaus and closed those collections because the credit bureaus were able to match the social security did not match. This collection company has four additional accounts open in collections that are not mine. After alerting this company of this they refuse to verify the social security number and continue to contact me via numerous phone calls and mail. XXXX XXXX XXXX have contacted me from thirty-two different phone numbers over the past four months. Even after being contacted that these accounts do not belong to me and to please verify the social number they have refused to listen to me and continue to harass me. They have also filed two civil actions in court under my name but wrong social security number.
09/07/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33712	Web	Older American
I was summoned on XX/XX/19 for a pre trial mediation on XX/XX/19. The law suit claims that XXXX XXXX is the plaintiff but the documents show that Pollack & Rossen, XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX are the actual plaintiffs. The summons itself is a cut and paste document poorly done. Once googled they are notorious and have had class actions against them. By law XXXX XXXX would have charged of this debt in 180 days of non payment. I suspect they purchased the debt and by using XXXX XXXX as plaintiff is fraud, a practice for which they have been sued for in the past. I am no stranger to this tactic as a business owner for over 35 years. Mediation is to see what assets I have, such as homes stocks etc. which I have none. I am a XXXX year old retired single man living on social security. Their threats for garnishing wages, seizing bank accounts and property are disturbing to say the least. And I am sure violate best practices. Their assumption that I sought out the credit card is false. XXXX XXXX is natorious for sending out cards for free, not requested.
09/18/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 32836	Web	Older American
To XXXX XXXX and Debt collector Pollack & Rosen , P.A . From XXXX XXXX I write to advise you that I will be filing a lawsuit in XXXX for your intentional and willful violations of the FCRA and FDCPA which includes your recent attached debt collector written communication dated XXXX XXXX XXXX reference # XXXX, This purported required debt validation notice is not only untimely and late but it was NOT mailed on XXXX XXXX XXXX as represented but rather over more than a month later on about XX/XX/ ( 41 days later ) and processed by the USPS on XXXX XXXXXX/XX/ for delivery SOON and received on XX/XX/2023, delivered to my mailbox in XXXX as documented from USPSs email to me. XXXX XXXX needs to get its ducks in a row which required required notices. Mailing Notices that were required to be done in XXXX XXXX XXXX months late for the initial communication, then deceptively claimed mailed on XXXX but actually deposited for mailing 41 days later will cost you {$25000.00} for statutory and punitive damages plus a Complaint to the XXXX XXXX XXXX XXXX proceedings.
05/03/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 32257	Web
Pollack and Rosen was retained by XXXX XXXX to collect on a debt for XXXX XXXX credit card. The debt was filed in XXXX XXXX court XXXX. They served my mother XX/XX/XXXX who is a well documented belligerent drunk who doesnt even know who she is sometimes. I was not notified this even occurred until applying for an apartment for myself and XXXX kids. Upon review I found out they got a default judgement for me because I didnt show up to court. How was I supposed to show up if I had no notice. I havent lived at that address since XXXX! Pollack and Rosen is well known for their shady business practices. Definitely not for the consumer. They dont care about anyone. I lost my job during the pandemic and took a massive paycut. This debt was also disputed as it was partially accrued through identity theft by an ex friend. Pollack and Rosen also filed suit against me on a XXXX XXXX credit card. It was filed in local court on XX/XX/XXXX and dismissed for lack of validation on XX/XX/XXXX. So I am pretty sure they cant validate legally the other debt either.
01/26/2016	No	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	FL 330XX	Web
*****This is my 7th complaint over this fraudulent loan. I request this loan removed from my credit report and stop the reselling of this loan. On XXXX XXXX, 2016 I was working at the front desk at The XXXX XXXX XXXX when a man from a collection agency. I know it is illegal for any bill collector to harass an individual at their place of employment. When I attempted to gather information in order to file a report he disconnected the phone. I have filed several complaints about this fraudulent loan. It was originated before I attended college. I am sick and tired of this loan being passed from one debt collector to another debt collector. Each debt collector is aware the loan in fraudulent and they fail to follow the appropriate steps and then sell the loan, fully aware it is fraudulent. I want this company investigated for purchasing accounts that are known to be illegal in their source. I also want this company investigated for breaking privacy laws. The individual did not attempt to clarify they had the correct person on the phone.
09/25/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33323	Web
I have been paying on this debt of {$1700.00} since XXXX. I had a financial hardship and was unable to pay after making five payments of the verbal agreed amount {$140.00} and a sixth payment in the amount of {$100.00} which gave a total of {$800.00}. The firm filed in the courts and a stipulation was agreed upon to continue the payments as agreed only difference being this time it would be withdrawn via ACH. A stipulation was emailed to me, which I signed and sent electronically as agreed for amount of {$1700.00} and court cost of {$340.00} which would be a total of {$2000.00}. I've paid to date {$2000.00} and should only have a balance of {$21.00}. I went to check the account on their site today and saw an outstanding balance of {$960.00}, I immediately contact the firm via chat and was told to call in. I called and after holding for 20 minutes, I was told by the Rep that the reason for the balance shown was because I didn't signed the Stipulation. I have prove where that Stipulation was signed and emailed on XX/XX/XXXX at XXXX XXXX XXXX
10/05/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA 95501	Web
New attempt at collection by 'Pollack and Rosen ' via email of previously resolved debt collection re : XXXX XXXX Email appears to be from a law firm but is not. Letterhead, etc. Previous debt collection resolved in my favor re : CFPB XXXX. Previous collection attempts related to goods stolen from me via shipping, ( now ) known dead drop address. New collection attempt after more than a year. Police reports, shipper investigations, ( more ) given to XXXX during previous CFPB filing. XXXX emails regarding 'balance ' on closed account continue. IRS alerted to XXXX false statements regarding income. XXXX agreed was in the wrong, IRS concluded XXXX was in the wrong. XXXX stated 'balance ' claims would stop. Began again after a few months. Now has filed another debt collection attempt.
08/06/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 34772	Web	Older American, Servicemember
On XX/XX/2023, Pollack & Rosen , P.A . filed suit against XXXX XXXX naming XXXX XXXX, XXXX as the Plaintiff Case Number XXXX XXXX XXXX XXXX. On XX/XX/23, Defendant requested a " Verification of Debt '' in response to a letter received by the Defendant. No response was received. On XX/XX/2023 Plaintiff 's attorney filed a generic civil suit outlining little facts as they directed related to the alleged debt. On XX/XX/2023 a summons was issued. On XX/XX/2023 Defendant responded to the suit. On XX/XX/2023 Plaintiff 's attorney filed a generic response to defendant 's response. Plaintiff 's attorney has failed to any documentation that the debt is valid and has violated Federal consumer Protection laws by filing this clearly generic suit as a means to intimidate and threaten.
10/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 34982	Web	Servicemember
My wages were being garnished pursuant to Court Order for a debt on which a judgment was obtained. The amount that was authorized to be collected was {$2300.00}. They collected {$2400.00}, {$100.00} over the amount owed and authorized. The law firm of Pollack and Rosen is the debt collector. They sent me a check for {$45.00} for the overage collected. I made repeated attempts to contact the law firm about the balance of the overage. I was finally able to speak with someone at the firm and was told I would have to talk to my employer about the rest of the money. My employer told me to talk to the law firm as the money was sent to them. ( {$54.00} )
02/21/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 34957	Web
I had contact the office by phone more than XXXX time and the person that unswerving its very very rude, unfriendly aggressive and intimidating that I will be XXXX by them XXXX more time? We are all having a difficult time with This XXXX pandemic. To get job or just to keep it. I kindly asked for help with this office because they only wanted to scare and intimidated people in order to get the money. Its my first time that I see a company with so many complaints and bad reviews, Why they continue open? At the moment I had a debit of {$900.00} but after my last called I believe that they want more XXXX XXXX XXXX
08/07/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33069	Web
Hello I've been requesting complete statements from Pollack & Rosen for months. They continue to send me incomplete documents. I've requested the documents ( via letters and phone calls and voice mails ) to verify the amount owed. The statements show page 1 of 2 and all I get is page 1. I need to review and confirm the amount. If they aren't able to provide me complete information than the debt can't be verified. Per the company letter they stated they responded to me with the information they are required to provide under the FDCPA. This isn't a true statement. Please advise my next course of action.
11/30/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32810	Web
Company is attempting to sue me for an account with XXXX XXXX that was due to Identity theft. I sent numerous letters to XXXX XXXX to validate the debt and nothing is being provided. I also sent Affidavit along with police report filed in 2016 about these unauthorized accounts they are attempting to collect on and still no response or attempt to clear this matter up on there behalf. I need to have this stopped and deleted from my credit report so I can get back to my basic life and not worry or have to deal with this issue.
02/18/2016	No	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	FL 33325	Web
I have XXXX private student loans that were sold to collection agency and I was paying thinking I was paying on both - then a received a letter from an attorney 's office wanting to collect. I called the agency that I was paying and they said I am only paying XXXX loan and the other loan was taken from their office and there is nothing they can do about it. What can I do - I tried calling the attorney 's office who is collecting on the loan but they never answer or call me back.
12/16/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 34243	Web
Although I do not believe this to be my debt, I called the debt collector ( Pollack and Rosen) and they agreed to settle fort an amount of XXXX as paid in full. However, they refused to give me a satisfaction of judgement letter I need to secure a HELOC loan for much needed repairs to my home. Even though they accepted a settlement of XXXX as paid in full they told me I had to give them over XXXX before they would give me the satisfaction of judgement letter.
08/02/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 344XX	Web	Servicemember
After receiving several harassing phone calls from Pollack and Rosen I sent them a debt validation letter on XX/XX/XXXX. I received a letter back from them ( attached ) dated XX/XX/XXXX. The letter simply states who the debt is to - not Pollack and Rosen - and they included a one page copy of a billing statement dated XX/XX/XXXX. This is not validation of debt and quite frankly is ridiculous to send.
05/24/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 34986	Web
XXXX XXXX XXXX acquired my credit card debt took me to court in XX/XX/XXXX the judge dismissed case of the length of time the debt was inactive. in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX tried to garnish my wage from XXXX XXXX.I was to served court papers to go back to court.I finally sold my home in XX/XX/XXXX and had to pay a lean of {$27000.00} plus for the lean.
04/27/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30907	Web	Older American
I have been contacted by a firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX,, Georgia XXXX they first called themselves, XXXX, XXXX XXXX XXXX XXXX for a debit I could not have incurred as it was when my father was Ill and later died. Then with the same address a group called Pollack and Rosen did the same thing, both representatives threatened to sue me for a firm XXXX.
01/10/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 342XX	Web	Older American
XXXX XXXX XXXX XXXX SSN This account is held by Pollack & Rosen XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number XXXX Filing a small claims suit on a statue of limitation credit card in Florida the statue of limitations is five years Florida is a debtor state and this can not be collected on after the bank XXXX XXXX has written it off after seven years
12/05/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33023	Web
I received a notice of deposition XXXX XXXX in aid of execution. The statute of limitations for credit card debt is 4 years in Florida. This is the statute of limitations for an open account, which includes credit cards. It's been over 7 years. They are violating the Fair debt collection practice act. Which prohibite suing or threatening to sue for a time barred debt.
09/26/2022	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	FL 33169	Web
I was XXXX an I needed a car to get around in so my father cosigned for me to be able to get the car and I missed a payment after having the car for 7 month and they came and picked the car up and 4 years later they want me to pay for the car in full
02/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 337XX	Web
I have tried, on multiple occasions, to get this issue resolved. While on Vacation back in 2019, I was a victim of Identity theft. I did not allow any charges of the disputed amount.
05/01/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 346XX	Web
They call all hours and every family member and people known to me and disclose my personal info. They are rude and abusive on the phone and make threats
10/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95843	Web

09/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web	Older American

08/29/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32765	Web

03/13/2023	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33068	Web

03/13/2023	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33009	Web

03/12/2023	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33009	Web

03/10/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33068	Web

12/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 65301	Phone

09/21/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 32205	Web

08/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33071	Web

01/25/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32257	Web

01/10/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32607	Phone

09/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33909	Web	Older American

07/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30273	Web

04/04/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33067	Web

03/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33594	Web

07/29/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30277	Web

03/13/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33617	Web

02/18/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32223	Web

12/31/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 34691	Web

12/11/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 34243	Web

11/05/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33602	Web

09/16/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33602	Web

07/29/2019	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33594	Web

06/20/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt		Phone

05/23/2019	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33607	Web

05/11/2019	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	FL 33401	Referral

01/08/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33012	Web

10/10/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32776	Referral

09/26/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33186	Web

07/06/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33166	Web

07/02/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 34243	Web

06/01/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33809	Phone

05/18/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33170	Fax

05/18/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt		Phone

04/27/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33021	Web

04/12/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33065	Web

03/10/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33843	Web

10/31/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33684	Web

07/13/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34607	Postal mail

01/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30040	Postal mail

01/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33114	Postal mail

09/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33570	Web

09/26/2016	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33570	Web

04/01/2016	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33138	Web	Older American

11/19/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33196	Referral

10/01/2015	No	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	FL 32301	Web

08/19/2015	No	Debt collection Credit card	Communication tactics Threatened to take legal action	FL 33614	Web

06/17/2015	No	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	FL 33021	Phone	Older American, Servicemember

06/01/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33158	Web	Older American

03/16/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32583	Web

02/04/2015	No	Debt collection Auto	Improper contact or sharing of info Contacted me after I asked not to	FL 33559	Web

01/15/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 34221	Referral

06/24/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32550	Postal mail

05/02/2014	No	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33936	Web	Older American

03/14/2014	No	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 33183	Web