Rubin & Rothman, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/03/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY 105XX	Web
On or about XX/XX/XXXX, I was served with papers for a lawsuit in the Civil Court of the XXXX XXXX XXXX XXXX from Rubin & Rothman , LLC, XXXX XXXX XXXX, XXXX, N.Y. XXXX. They stated they represented XXXX XXXX XXXX and the amount being sought was {$5700.00}. There was no warning of a pending lawsuit or any attempt to collect any money from either XXXX XXXX XXXX or Rubin & Rothman LLC. This attempt at collecting {$5700.00} makes no sense since I had already paid off any debt that I owed XXXX XXXX XXXX. I voluntarily surrendered a car to XXXX XXXX XXXX in XX/XX/XXXX. I paid off any debt owed from the car in XX/XX/XXXX. My credit report indicates this. ( I am enclosing a copy of the credit report which pertains to XXXX XXXX XXXX ) Both XXXX and XXXX state I have a XXXX balance and my past due amount is XXXX. XXXX notes in it comments, " Account legally paid in full for less than the full balance. '' I had an agreement with XXXX XXXX XXXX to make three payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which I made to fully pay off the car which my credit report indicates. What makes no sense on my credit report is that XXXX states I owe {$6900.00} which is not the amount that Rubin & Rothman state I owe. In addition, the XXXX report states I have been paying off the car in XXXX and XXXX even though I turned in the car in XXXX and have not made any payments on the car in XXXX and XXXX. I answered the complaint on XX/XX/XXXX, in the Civil Court of New York. I said I did not owe the debt and that I paid off the debt already. In addition, I mentioned that I was a victim of identity theft and stated that the identity theft may have something to do with the lawsuit. I spoke with XXXX XXXX of Rubin & Rothman on XX/XX/XXXX. He confirmed to me that the car was voluntarily surrendered on XX/XX/XXXX. He also stated the car was sold in XX/XX/XXXX. I never received any notification of this. He also confirmed to me that I had made three payments to XXXX XXXX XXXX, 1 ) {$440.00} in XX/XX/XXXX 2 ) {$1300.00} in XX/XX/XXXX and 3 ) {$1300.00} in XX/XX/XXXX. I told him that is when I paid off the debt so why are you suing me. He responded that he would have to check with XXXX XXXX XXXX to see exactly how much I owe. I told him that the credit reports state I have legally paid off the debt and he responded that he doesn't look at credit reports only papers that XXXX XXXX XXXX gives him. He also stated that he does not report anything to the credit bureaus. I the3n received a letter from Rubin & Rothman stating to me to give them a statement of Identity Theft and to review my credit reports. This after Mr. XXXX had already told me that he does not look at credit reports. I did respond to their letter giving an explanation. Today on XX/XX/XXXX, after speaking to XXXX XXXX who gives me credit counseling, I called XXXX at their direction. I spoke with XXXX ( work # XXXX ) and asked him who was reporting that I owed a balance to XXXX XXXX XXXX and have been paying for the car in XXXX and XXXX. He responded that XXXX XXXX XXXX reported this and reported this to XXXX on XX/XX/XXXX. I explained the situation to him, and he advised me to file a complaint with CFPB which I am. I have been treated very unfairly by both XXXX XXXX XXXX and Rubin & Rothman. I feel I am being harassed. I am being sued for a debt I already paid off. I was given no warning of getting sued. I was just served with papers. The law firm admits I made payments months after I surrendered the car. They also admitted that they don't know how much I owe due to these payments. My credit report confirms that I paid off the debt legally and have a XXXX balance. It also appears that XXXX XXXX XXXX is reporting incorrect data to XXXX credit bureaus was confirmed by the representative from XXXX. I am enclosing the necessary documents from my credit report for your review as it pertains to XXXX XXXX XXXX.
06/10/2015	Yes	Debt collection Auto	Taking/threatening an illegal action Attempted to/Collected exempt funds	NJ 08527	Web
On XXXX XXXX, XXXX I sent the following correpsondence to XXXX XXXXTo Whom It May Concern : I recently received correspondence indicating that I am being sued by XXXX XXXX. I am writing this letter to inform those involved of the circumstances surrounding my account falling delinquent. After the birth of my child in XXXX XXXX I was deemed XXXX XXXX due to complications with XXXX and XXXX XXXX. After several attempts to return to work full time, I was awarded monthly social security XXXX benefits in the amount of roughly XXXX a month. Since I was not qualified for XXXX until XXXX years after date of XXXX, I had to pay XXXX a month for my XXXX a month out of pocket. In XXXX, I was awarded XXXX however I had to buy additional insurance to cover this therapy. Luckily, I started attending XXXX University in XXXX, which offered insurance with out of pocket cost of XXXX every XXXX months. Yet still my prescription plan does not cover my XXXX at full price. In Fall XXXX, before I started my XXXX, I was hospitalized XXXX times for XXXX, and essentially caused me to lose my part time job the last time. My XXXX income helps me take care of my XXXX year- old, purchase my medications, childcare, food, bus fees for school travel, rent and utilities. I do not qualify for any assistance at all because of my XXXX allotment, with the exception of childcare assistance for school that covers only half my son 's tuition. I also had custody of my XXXX from XXXX to XXXX due to my sister 's XXXX at that time. In order for me to take care of my son and myself I needed my car. I was put in an awful position when XXXX repossessed my car even after I explained my situation. I even attempted to pay the XXXX late car payments the day my car was repossessed but no one would speak to me. I was told XXXX XXXX did not want my business anymore because my payments were late. Recently my son 's father passed away, leaving me responsible for all expenses related to him as well. My circumstances are not typically, It was a risk I to accept a loan from XXXX XXXX however I did not think I would be facing the health crisis I am in now. I certainly did n't expect to be XXXX today and not physically capable of working full time. I am willing to pay XXXX the amount owed to them minus the interest and late fees. I only ask that I am given a logical amount of time to accrue the money given the circumstances. I have can supply my social security award letter if necessary. Regards, XXXX XXXX XXXXOn XXXX XXXX, XXXX I went to court, and agreed to a consent judgement in the amount of {$8000.00}. I was told since I was not contesting the debt that I could pay it back if and when I was able to earn substanial gainful income. I was also told from the attorney representing the Rubin and Rothman that, he understood my hardship and even with this judgement my Social Security XXXX and Federal Student loan money were protected from garnishment. XXXX XXXX, XXXX, I checked my account to find that monies I transfered from checking to savings to distinguish between XXXX and book money for summer class was on hold. When contacting the XXXX and questioning why I was never notified of the levy, I was told by XXXX XXXX, " they did not have to let me know they were levying my account '' and I would need to wait to hear from them to get the levy removed. I called XXXX XXXX court, they told me to contact the lawyers office again, as they could not hold federal funds by law. Prior to this I spoke to XXXX XXXX, and told her I could continue to submit documentation that my only income is XXXX however she said they will continue to try to collect. Now I have a levy on my account that is causing me more stress than needed.
02/17/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11413	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX RUBIN AND ROTHMAN LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Friday XX/XX/XXXX RE : Social Security Number : XXXX RE : ACCOUNT IN DISPUTES ACCT ( FILE # ) XXXX This letter is in response to your recent claim regarding the above-referenced accounts, which you claim I owe {$2000.00} Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Moreover, please provide the following information : The statement the original creditor sent to me showing that it planned to charge-off the debt and send it to a debt collector ; A statement describing how the debt collector acquired my debt from the original creditor ; Information regarding any prior settlement of the debt Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX DL # : XXXX XXXX XXXX D.O.B. : XX/XX/XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Tel : ( XXXX ) XXXX Cc : Attorney Generals Office, Consumer Complaint XXXX XXXX XXXX XXXX XXXX, NY XXXX Tel : ( XXXX ) XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX Tel : XXXX
12/12/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NY 108XX	Web
My father and I had a car loan taken in XX/XX/XXXX. We went to XXXX dealership in XXXX XXXX, XXXX NY. We filled out paper work with myself being the co- Signer. When the final paper work was drawn up, the amount was over {$900.00} a month. The finance manager assured we can come back in 6 months and have the amount reduced. After 6 months we can back and the entire staff was changed with new employees. They could not honor the refinance. In XX/XX/XXXX we decided to voluntarily give car back to XXXX XXXX who was financing the car. After several attempts we finally got XXXX XXXX to pick up the car. During the time Of XX/XX/XXXX and XXXX of XXXX, I did ask For the contract. The XXXX dealership told me they will send it in an email. It was so frustrating I gave up and during that time we were giving back the car. A month later I had a credit repair guy help me situate with the XXXX XXXX. The dispute was with giving the car back and owing the rest of the amount. After another several Months, the credit rep finally got the contact in full on XX/XX/XXXX. After a through review, I noticed that the info my father and I had on the contact was false. If they took our original information we most likely would not of got that expensive car. They put down that my father and I make {$5000.00} per month each. They also put down that I did not pay rent and I live with a relative. Both statements are not true. I do not make XXXX per month. I do not live with my relatives, I live with my wife and XXXX kids. Did attempt to call XXXX back on several occasions but could not get in touch anyone who want to hear what I have to say. I was so desperate I had to go on the XXXX messenger to find their company and see if I can talk to someone. The representative did not take enough interest to understand that the information that was the from the XXXX dealership to XXXX XXXX was false .I have documentation to prove that we do not make XXXX per month and I do have a definite prove that I do not live my relatives as I am so a married person with XXXX kids. The amount that was financed was {$73000.00}. Our monthly payment was XXXX per month. The reason the high amount is we gave in a car to trade. I told XXXX XXXX at the XXXX dealership has falsified info. I have heard From other individuals that to the XXXX dealership in the XXXX New York has practice scamming customers. In our situation my father was taken for what he had by falsifying his information to show how much he makes per month. My father is on SSI and XXXX. And makes only {$1900.00} a month. As of now I am being given a paperwork in regards to possibly being sued for the amount when is that I reached out on several occasions to try resolve this but they said because we signed it is valid. When we sign it was all electronic. So we did not actually see the contract in front of us to review and if we did I would definitely stop it. They really put on a show for us and deal with this supposed to do so Sell They say we owe XXXX. I also explained during the time of the car be given back that we do not make that much and this is why we give the car back. I also asked the XXXX XXXX if they can help us try to resolve this matter without charging. I didnt not get any correspondence with any of the things I asked expect a bill
03/11/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	PA 18042	Web
In XXXX XXXX, I moved XXXX continued to find employment and made minimal payments, but got to a point on no money and called XXXX to notify of hardship. I called every month and they ensured I was fine, and I was sent to collections. After a few months, I got a temp job and was working with a XXXX credit attorney and made monthly payments, after a year I was unemployed, called to notify Attorney, and was told to call next month, I did this for 5 months, then the person I was working with left the company, got a new representative, they never called me back, called the office and left messages and later found out the office closed. I called XXXX recovery dept, they said I had to wait to hear from new credit attorney and that XXXX could not help me. During this time I have moved, and assume the the XXXX attorney XXXX update my information to XXXX. No one sent me a letter of called my phone, XXXX XXXX I moved XXXX and XXXX XXXX I get a bank Levy. My bank gives me the contact information to a XXXX court representative and I was told to speak with the Credit attorney about the Levy, I call XXXX and XXXX of XXXX XXXX, and speak with XXXX. She asks me why I never responded to the letters, and I said I never received letters and that I moved, she got my current address XXXX and realized I was out of state and said she had to close the file and the Levy will be released. I asked her who I can speak with to get this debt paid, and set up for a payment plan, she said she did n't know and that I will have to wait to be contacted again. I wait for the XXXX to be reversed, but it does n't happed. I was told by his office worker organ that, XXXX XXXX of XXXX court says that it should n't matter that I am out of state and that I need to speak with XXXX and XXXX again. I call them and they say my file is closed and they are waiting to hear from XXXX, I have updated all my information with everyone so that I can make sure someone will call. I tell them they levied my husbands ' unemployment, XXXX tells them to take the money and it will be used as a payment towards my debt, and I feel they did n't give me a chance especially since they had an address that I lived at 4.5 years ago. I was n't trying to hide from my Debt, because I am currently paying off my student loan, and now have a steady job to set up a payment plan. I felt I was forced to just allow that money to be taken when I was trying to get the situation resolved. XXXX wont even speak to me and keeps telling to speak to their credit attorney and I have to wait to speak to someone. XXXX and XXXX said the Levy will be reversed because I was out of XXXX, and The XXXX court XXXX XXXX, did not listen to them to reverse it and told XXXX and XXXX, that me living out of state should be an issue. I was speaking with each party and even updated my information with each party to ensure they had my correct information. I hope you can help me.
07/03/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 115XX	Web
This complaint against Rubin & Rothman & Associates for deceitful and unethical practices on collection action. In XXXX entered into a stipulated agreement for the amount of XXXX for $ XXXX. During COVID, my income became severely challenged as a result of increased expenses, depleted resources and caring for myself and family. The agreement was to make payments via check and/or money order monthly which became extremely difficult. In addition to caring for myself and family, where the entire household became ill I tried effortlessly to make payments to maintain my agreement. Nevertheless, in XXXX I received a phone call from said collector indicating that A default judgment eas entered for lack or failure thereof to make payments in a timely manner. At the time, I was dealing with medical issues for myself without compensation, which I advised the representative for R & R. I received no updates from the courts with regards to the judgement to dispute at the time due to the courts being closed to the public, severe backlog and trying to care for myself, an elderly parent and a child. Nevertheless, I spoke to a representative who states that documents would be sent, needed to be signed and to continue making said agreement amounts of {$50.00}. I continued to oblige to continue to make payments, where I can injured again resulting in an extended medical leave without compensation. I tried to toggle food, water and shelter and paying my bills until XX/XX/XXXX until I just couldn't manage paying any payments. I tried at the time to advise the reps at the agency, but their extremely rude, disrespectful and conduct their law firm with unethical business practices. I tried to reach out to XXXX as well whom the Rubin & Rothman is hired by and have yet to receive a response. Ive been had little no income since XX/XX/XXXX to XXXX of this year after returning to the workforce. There has been absolutely no correspondence received from Rubin & Rothman since the phone conversation in XX/XX/XXXX when there was an issue with payment and them being advised that I was on medical leave until XXXX of XXXX, receiving paperwork from XXXX XXXX Sheriff office for income levy and garnishment in the amount of {$11000.00}, which is way more than the agreed amount, no deductions of the payments made in the mount of XXXX XXXX I contact the attorneys office requesting a copy of the stipulation all payments made and have yet to receive. I have also filed a complaint with XXXX attorney general office for Unlawful and unethical business collection practices from this law firm hired by XXXX XXXX XXXX. I need for initial agreement amount to be reinstated, this judgement to be dismissed, the levy to be removed, a DEDICATED REP from XXXX to handle to my account to resolve this issue amicably.
07/14/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	CT 060XX	Web
Both XXXX XXXX. and RUBIN & ROTHMAN , LLC, through practices relating to the attached matter ( XXXX XXXX. vs XXXX XXXX ) have broken a number of laws including The New York State Bar Association Rules of Professional Conduct and the US Fair Debt Collection Practices Act. I received the attached complaint from Rubin and Rothman LLC. that lists Attorneys including XXXX XXXX XXXX. On page two it clearly states XXXX XXXX XXXX XXXX. with the Rubin & Rothman LLC address. When an Attorney uses XXXX. after their name and provides a New York address as their place of business, it unequivocally states that XXXX XXXX XXXX practices law in New York State. XXXX XXXX XXXX is suspended from practicing law in California and New York and in New York with a disciplinary history states as Yes '' I spoke with the RUBIN & ROTHMAN Attorney XXXX XXXX on XXXX. I called at the bequest of the Judge in the case that parties speak with each other. I offered to settle the matter for what the potential cost would be for me to mount a defense- {$500.00}. XXXX XXXX declined the amount to settle and refused to provide a counteroffer stating that : - XXXX XXXX was sitting right next to her and purposefully lied that he was suspended for administrative reasons in NY and not disciplinary reasons - That it didnt matter anyway as XXXX XXXX XXXX was not practicing law in NY as he was practicing law only in Connecticut XXXX - " Even if you do prevail - we will just file again and " The debt will never go away During the call XXXX XXXX violated my rights under the US FDCPA by asking for all of my personally identifiable information on a recorded line. I was talking with XXXX XXXX to negotiate at the bequest of the judge as a self represented litigant AND NOT as a debtor. This is a distinction that XXXX XXXX was unable to make as she illegally plowed ahead with her incorrect, wrong and disingenuous agenda that offered unsolicited legal advice, threatening, bullying-and harassing behaviors and hung up the phone call mid conversation after saying we can tell that judge that we spoke. I have a long list of illegal and sloppy work and actions taken against me by XXXX and XXXX including insufficient production of records, false affidavits and insufficient service.
01/26/2024	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	NY 11520	Web
A DEBT FROM XXXX FOR A VEHICLE I CURRENTLY NO LONGER OWN AND PAID OFF XXXX TO THIRD PARTY CREDITOR WITH NO CONTRACT IN PLACE THIS ATTORNEY CONTACTED ME AND STATED THAT I OWE HIM FOR THE VEHICLE DEBT THAT WAS ESTABLISHED IN XXXX AND IN XXXX THE ATTORNEY CLIAMED HE WAS HIRED BY THE COMPANY I PURCHASED VECHILE FROM IN XXXX HE WAS Documents By typing my full name below, I certify that the above complaint is true and accurate to the best of my knowledge and that any documents attached are true and accurate copies of the originals. * Signature XXXX XXXX Date of Affirmation XX/XX/XXXX COMPANY I PURCHASED VECHILE FROM IN XXXX HE WAS ATTEMPTING TO COLLECT A DEBT AND BEGAN TO GARISH MY PAYCHECK SINCE XXXX FOR THE CAR PURCHASED IN XXXX NOW THAT IM WORKING WITH XXXX XXXX THE NEW DEBT COLLECTOR XXXX XXXX ATTORNEY RUBAN AND ROTHMAN, LLC ATTORNEYS AT LAW AS OF XX/XX/XXXX THE ATTORNEYS STATE I OWE THEM XXXX JUDGEMENT FROM XX/XX/XXXX WHICH WAS ORGINIALLY XXXX I BELEIVE THE STATUE OF LIMITATION IS ONLY 7 YEARS ALSO THE ORGINAL DEBT SECURITY WAS SOLE AFTER PAYMENT AND NONE OF THIS IS BEING REPORT TO THE IRS WHICH IS ANOTHER FEDERAL OBLIGATION AND NOW FRAUD FROM THESE FORERIGN AGENTS ACTING IN DEBT COLLECTOR CAPACITY WITH OUT CONTRCAT THEY ARE OPERRATING IN A CAPACITY OF A DEBT COLLECTOR AGAIN TITLE 15 USC 1692 G ALSO THE SHERRIF DEPARTMENT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX HAS ADDED {$20000.00} NO EXPLIANATION FOR FEES JUST STEALING FROM THE ELDERLY WITH PAST STATUE OF LIMISATION TO COLLECT AS DEBT COLLECTOR HOWEVER MY CLIAMS AND DEFENSE BEGINS WHEN I NOTICED THE FRAUD UCC 3-305 ( 1 ) as for as these debt collectors 18 USC 1001 and 1005 applies WHICH SEC AND FINCEN SHOULD BE NOTIFIED AND IRS for security fraud using tax payer money to get Judgment without giving me the write to face my accuser IM REQUESTING THE REGISTRATION NUMBER FOR THE FORIEGN AGENTS ONFILE WITH THE DOJ AND ALL MY MONEY BACK FOR FALSE COLLECTION SEE ATTACHMENTS
08/07/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 12590	Web
0n XX/XX/2018, around XXXX, someone was pounding very loudly on my door. He claimed to be serving me a lawsuit on behalf of Rubin and Rothman LLC, but then told me to call the company to work something out. He handed me an official looking paper stating the Supreme Court of The State of New York XXXX County summoned me to answer a complaint brought by XXXX XXXX XXXX and, if I did not respond within twenty days, a summary judgement will be taken against me. This didn't look legitimate to me as there was no official seal, judge 's name or court date, and it also stated on the bottom that " we are attempting to collect a debt '' ; so i brought it to the local police station where a police XXXX contacted the court clerk who said that, while they were familiar with the law firm, no action had been brought against me. I also looked at my credit report and saw that, unbeknownst to me, XXXX XXXX claims to have charged off my account ; but there wasn't a negative comment, or any mention of Rubin and Rothman, LLC. In fact, I had never heard of this company before being " summoned '' -- there were no attempts to contact me by mail or phone. In summary, I do not believe that I owe this money ; Rubin and Rothman, LLC acted improperly by sending a putative process server to my door when he was merely a bill collector ; Rubin and Rothman, LLC pretended to act on the authority of the court ; and, finally, Rubin and Rothman, LLC claimed they are representing XXXX XXXX XXXX when it seems they are a third party bill collector. The full contact information for the company is as follows : Rubin and Rothman, LLC. XXXX XXXX XXXX. XXXX, NY XXXX. XXXX. Finally, I am a retired person living off of a mere XXXX pension ; maybe, if they had done some research first, they would have realized that, even if I did owe this money, there is no way for me to pay.
09/21/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MA 02148	Web
My sole income is Social Security XXXX and Supplemental Security Income. Rubin & Rothman started sending me collection letters on XXXX XXXX regarding a credit card from XXXX XXXX XXXXXXXX. I sent immediatedly a cease-and-desist email indicating that my sole income were federal XXXX benefits, which are exempted from garnishment by federal law. That was not enough for Rubin & Rothman, and they sued me in state court on XX/XX/2023 without serving me the papers. Fortunately, I got to know about the lawsuit on time by checking the courts online database and responded to the court. Rubin & Rothman knew that my case was an automatic dismissal, but they continued with their harassing letters threatening me with future legal action if my financial situation improved even if they could not collect currently. I filed for bankruptcy on XX/XX/2023, which orders an automatic stay while the case is resolved, and submitted the corresponding evidence to the state court. Rubin & Rothman wrote a collection letter on the same date of my bankruptcy filing and another the following day after the bankruptcy court notified all my creditors of my filing. Two months later, Rubin & Rothman had no option but to petition the state court to dismiss their lawsuit, and I received my discharge one month later. This complaint is about three violations : ( 1 ) attempting to collect a debt from exempted income even after the debtor notified Rubin & Rothman in writing ; ( 2 ) inflicting emotional distress by threatening a XXXX debtor with future reviews of the case, including legal actions ; and ( 3 ) sending repeated collection letters, one day after the other, with the sole purpose of intimidating the debtor in violation of the automatic stay from the bankruptcy filing.
04/17/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11010	Web
This has been an ongoing issue with XXXX XXXX XXXX. They keep sending this account to different collection agencies, XXXX XXXX, then, XXXX XXXX and now Rubin & Rothman, LLC.Sent letters in XXXX, XX/XX/XXXX, In XXXX sent letters in XXXX and XXXX to validate my dispute of the amount of {$19000.00}. Failed to provide me with a copy of any viable evidence bearing my signature. Requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Requested " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports including XXXX, XXXX and XXXX from your company or any company that you represent for a debt that I don't owe is a violation of the FCRA & FDCA therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. It is a violation for : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Furthermore, XXXX XXXX and XXXX XXXX were sent certified letters in XXXX and XX/XX/XXXX and did not respond in a timely manner to my initial letters which violated Federal law. In XXXX v. XXXX XXXX XXXX. No XXXX ( C.D. Cal XX/XX/XXXX ), they can be liable for willful non-compliance. By violating federal law, by not properly investigating with the required timeframe, and I have the evidence of such, via certified mail receipts, the item must now be removed.
05/31/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 07087	Web
for the past 2 years I constantly received phone calls from a company Rubin & Rothman LLC claiming I owe XXXX {$31000.00}. I actually was/did have a dispute with XXXX about a loan which was only {$14000.00} as you can see it's reporting on my credit reports as a write-off ( I'm still busy disputing it with XXXX, as it was a result of a accident and my insurance didn't pay the full about. FACTS! 1 ) XXXX told me clearly they will not send it to collections, and it was very upsetting when they charged it off and they mailed me a XXXX. 2 ) Whatever the case, the amount in dispute was {$14000.00}, as you'll see from a copy of my credit reports I'll attach here. however, this so called licensed debt collector called and harassed me that I owe XXXX {$29000.00}, and told me on every phone call ( I wish I would of recorded it ) " WE WILL GET A JUDGEMENT AGAINST YOU AND MAKE SURE TO EMPTY ALL YOUR BANK ACCOUNTS!! '' the last 6 month I simply began ignoring them, which I was dealing myself with XXXX. Yesterday I though I'm going to have a XXXX XXXX, I see a Debit of {$75000.00} out from my bank account. I called my bank and they told me it's from this firm Rubin & Rothman LLC which was the plaintiff for XXXX. How can such a thing happen, and how can they get away with this!! # 1 there's no judgement # 2 if there is a judgement, why am I not aware of it? # 3 if there's a Jugdement why wasn't I served? # 4 how in the world did they come up with {$75000.00}? I can buy 5 cards with that month. Even I defaulted on 5 cars it wouldn't be {$75000.00} WE MUST STOP THIS CORRUPTION!! now XXXX put a hold on my entire bank account, and closed my 2 credit cards, because XXXX suspected it's fraud!!!
07/23/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NY 11377	Web
Rubin & Rothman have engaged in numerous unethical tactics and behavior that violates all State And Federal Collection practices. I recently had an identify theft breach in XXXX and was sent a FREE copy of my credit bureaus. I see that R & R have been running my credit on a monthly basis without my permission and in violation of my rights. They appear to have obtained a Judgment without ever serving me with any legal papers and without ever properly putting me on notice of the underlying lawsuit. They obtained a fraudulent default judgment on a debt I am certain I do not owe and now they are looking to collect it knowing that my time to open the default has ended. Now that I have discovered the issue I have learned that They have used tactics which violate my privacy by contacting friends and family members on their cell and house phones even after repeatedly being told that the number they were calling does not belong to me. Just last week they called XXXX XXXX ( name to be provided ) on a cell phone that is not mine and and inquired about my employment and said they were looking to collect a debt. She informed them that this was not my number. Other family members have alleged the same tactics. They have gathered and used improperly private information about me and about my friends and family members. Family members will attest to feeling harassed by these tactics. They have also disclosed to a third party that is not my employer that they have obtained a Judgment against me hurting any opportunity I have to do business with that company. They have also informed my neighbors about my debt completely causing me shame in my community.
11/01/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 10701	Web
Most recently I received a judgement by the XXXX civil court in XX/XX/XXXX following a request to vacate claims against me, under, False and misleading representation and debt, Section 807- a, 4 and 9. For unfair practices Section 808 -1 and Section 809- a and c. I continue to be harassed and violated. On XX/XX/XXXX my bank account was charged citing a legal order I have no knowledge of. In this case again they fail to provide validation of debt or provide me proof of a legal order. XX/XX/XXXX bank was also not provided with proper information about the matter of which this event originated. My account was withdrawn {$5700.00} and XXXX of which was not specified from why. I am beginning to notice a pattern with Rubin & Rotham and XXXX XXXX. My encounters with both of these companies date back to XXXX. This is harrassment. It became more apparent last year when XXXX XXXX was suing me, for a medical bill and Rubin and Rotham also initiated a claim against me at the same time. This year they are both back, coming after me again. This time in full violation as if I do not get the right to protect myself. On XX/XX/XXXX Rubin and Rotham took XXXX, XXXX dollars from my account plus a separate amount of XXXX for XX/XX/XXXXknows what!!! .. I received no notice. In fact it was brought to my attention after I called my bank regarding another notice I received Rubin and Rothams partner in crime XXXX XXXX on XX/XX/XXXX ; threatening me with a notice to restrain my bank account on a claim I agreed to pay last year and am still paying each month up to this very month ( XXXX ) they are taking XXXX from me.
04/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 10025	Web
On XX/XX/XXXX my mother, informed me that her account was blocked and she was made a aware of this when she tried to purchase her medication at the pharmacy. I assured her I would resolve this for her as she is XXXX and has her limitations. I will keep this as short as I can. Turns out there was a judgement to place a hold on her account by a collections agency claiming that there is a debt in the amount of {$8400.00}. However, this hold is allegedly because of me and not her. I am a signor in her account therefore they went after her funds. I find it odd because I have my own personal account, but they went after hers. I fought and fought about this because I have no recollection of this so called credit card debt and I also was never even served by them. I demanded they mail me documents supporting this accusation and received an affidavit dated back on XX/XX/XXXX. Surely I would remember being served with something such as this 5 years ago and I would have definitely filed an identity theft claim back then. They are savages and I went to the civil to file an order to show cause and also have a court date XX/XX/XXXX to have this dismissed and vacated. My poor mother does not have access to her funds that are 100 % to her ownership, I am only the signor in case I have to do something for her on her behalf but these are NOT my funds but they sure went after her money. As of now I will be filing a police report. Thank you in advance. XXXX
01/14/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 128XX	Web	Older American
The first time I received a copy of a summons from Rubin and Rothman was on XX/XX/XXXX in reference to an old debt from XX/XX/XXXX for XXXX XXXX credit card. I know it is time barred and when I s/w the debt collector back in XX/XX/XXXX I told them I had no reciliation on it as it was so old, so he said he was going to put in a denial and I also mentioned it was time barred and he had no reply. Attached is a copy of the old summons from XX/XX/XXXX that they sent to me, it was hand delivered to a residence of XXXX XXXX XXXX, XXXX, NY XXXX and handed to an XXXX XXXX. I have never been a residence of this address and have I never been AKA XXXX XXXX. A XXXX XXXX ( XXXX ) did reside there with a XXXX XXXX and have no knowledge of any XXXX XXXX. I was a residence in XXXX County, NY first on XXXX XXXX XXXX XXXX XXXX XXXX, NY from XXXX to XX/XX/XXXX then I resided on XXXX XXXX XXXX, XXXX, NY from XX/XX/XXXX to XX/XX/XXXX and I never received any papers on this until XX/XX/XXXX after I moved to XXXX XXXX XXXX, XXXX XXXX, NY on XX/XX/XXXX. Then on XX/XX/XXXX I received a certified mail for an income execution from the XXXX County, NY Sheriff 's dept. where Rubin and Rothman are looking for me to pay a time barred debt. I have attached all of the paper work. Please advise and help take action on Rubin and Rothman for Violation of the Fair Debt Collection Practice act.. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX e-mail XXXX XXXX
01/27/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY XXXXX	Web
I paid this auto loan in full. The amount past due was {$580.00}. My XXXX was repossesed and I had to pay to get it out. A debt collector, went to my employer and garnished my paycheck with my employer. The debt was paid again. Then Rubin & Rothman , LLC garnished my employer. I went to court, submitted an Order to Show cause and proved that the debt was paid twice. Rubin & Rothman , LLC would not drop the lawsuit and continues to garnish my paycheck and not report any paid amounts. This {$580.00} debt that is paid is now {$31000.00} for a XXXX XXXXXXXX XXXX that had multiple recalls and was not safe to drive. I had to junk the vehicle because the Anti Brake system was on recall and no one could fix it and it was so old, none of the XXXX Car Dealerships wanted to honor the recall and repair the mini van. I reported to the Marshall that this was fraudulent and I reported to the law form that this debt is paid in full and fraudulent. This is fraudulent and illegal.The original debt is only {$580.00} and I am being garnished for {$31000.00} for a vehicle that wasn't worth {$300.00} and I was putting my family and everyone on the road in danger when I drove this vehicle.
05/23/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NJ 07017	Web
I am filing a complaint against the following law firm Rubin & Rothmann , LLC for unlawful practices such as wire fraud, mail fraud, and defrauding consumers such as myself. The above law firm has filed a civil suit against me for a default judgment on an alleged debt from XXXX XXXX XXXX. Rubin & Rothman , LLC purposely sent the civil suit to an address, which is not my actual domicile. They sent presentments to an investment property that I previously owned and have been sold years ago. Due to this underhanded tactic a default judgment against me from the XXXX county Courts was honored. I consequently was improperly served therefore I was unaware such civil suit existed until months later. The XXXX County Courts however continued to move forward with procedures filed by Rubin & Rothman , LLC to garnish funds from my payroll account. I was never given the opportunity to answer the Civil suit in a timely manner subsequently why I am here filing an investigation against their unlawful practices against consumers such as myself. They claimed I owe an alleged debt with no validation that such debt exist or a signed original contract with my name displayed.
03/25/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NY 14211	Web
I received an income execution for a vacated court order, on a balance that was previously satisfied with the same collection agency XXXX years ago. I want this collection agency held accountable for violating my rights. As this company has attempted to collect a debt that they knowingly knew was not outstanding. It is documented on the letter head from the same exact collection agency XX/XX/XXXX. In the letter it is noted that the debt was satisfied and there would be no further collection action. XXXX years later this same collection agency initiated collection action by using their relationship with the XXXX XXXX XXXX XXXX to obtain an income execution on a judgement that was vacated. This situation has caused me undo XXXX XXXX and XXXX ; XXXX XXXX and most importantly XXXX. This collection agency tried to become a creditor on my bankruptcy that was filed in XXXX and they had to be told again, that the balance was satisfied. This collection agency has been and continue to be unscrupulous in its collection process and I am tired of fighting their never ending collection efforts. This has becoming a collections nightmare.
06/01/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11203	Web
Hello, I tried to resolve this issue previously this is my previous CFPB complaint number XXXX and my demand wasn't answered. XXXX XXXX stated the account in question was placed with Rubin & Rothman , LLC, I demand to see the agreement between XXXX XXXX signed with Rubin & Rothman , LLC. I didn't sign any agreement with Rubin & Rothman , LLC and do not consent with Rubin & Rothman , LLC to have my information. Rubin & Rothman , LLC claims that the Complaint and Summons were properly served on XX/XX/2021 which Rubin & Rothman , LLC did not do. Rubin & Rothman , LLC 's associate left the summons outside for everyone to see that isn't my current abode. In said summons, XXXX XXXX of Rubin & Rothman , LLC is serving as the deponent but XXXX wasn't present for any alleged contract agreement between myself and XXXX XXXX, XXXX wasn't present for any alleged consumer credit transaction, and also, in the summons it's stated his knowledge, Information and belief which isn't fact. XXXX wasn't present at any point and anything he will say is hearsay and isn't admissible in court. I will also be filing a complaint with the NY Attorney General.
01/13/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NY 11223	Web
This is going to be a second time I am complaining about this Collection agency that Acts as a Lawyer on behalf of Plaintiff. If the principal purpose of your firm or your law practice is collecting consumer debts, then you probably know this already, and you know that you are a debt collector under the statute. See, e.g., Scott v. Jones, 964 F.2d 314, 316 ( 4th Cir. 1992 ) Therefore as I requested multiple times not statements, not a contract but an " assignment of Debt '' or " bill of sale '' of this debt, I still never received. I have recently received a demand again for payments and threat to garnish my salary or freeze my accounts. In this light than, as youre already aware, since 2015, with the State Attorney General of New York and the Credit Reporting Agencies, all companies, data furnishers and debt collectors must abide by the new Metro-2 data format and must CERTIFY in their Universal Data Forms that all information being submitted is equivalent to a sworn declaration, or else you may be liable for perjury with substantial fines. Please provide to me what I have requested so that you are protected as am I.
02/07/2019	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 146XX	Web	Older American, Servicemember
They sent a letter back in XXXX to my daughter who was just starting to work a real job. In XXXX they file a judgement but we never got our day in court. Next thing we knew they added me and sent a letter out via Sheriff 's Office of a wage execution to start immediately. Fast forward it's now XXXX and {$14000.00} has been paid between the two of us. There is a balance of {$2800.00} left but due to the penalties which includes poundage fees and interests we will never truly be free of this debt. The original amount borrowed was XXXX back in XXXX. The Statue of limitations was up in our State of New York and we were never given a court date. We have discovered that XXXX XXXX XXXX XXXX XXXX XXXX has been sued by the Consumer Financial Protection Bureau for illegal Student Loan Debt Collection Lawsuits as well as Investigated by the New York State Attorney General 's office. We are seeking to vacate this judgment for improper service by their Attorneys Rubin & Rothman. LLC located in the State of New York at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Telephone # XXXX.
11/13/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 11226	Web
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. I logged a complain with the CFPB after gotten no response now on XX/XX/XXXX XXXX XXXX response is that Rubin & Rothman LLC obtain a judgment against me. Who was served? Not me! IF THE ACCOUNT IS NOT DELETED/ Garnishment, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.
07/18/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	NY 119XX	Web	Older American
Communication, dated XX/XX/XXXX, was sent to my employer, regarding a debt from 2010. There were several inappropriate and/or illegal statements in their communication. 1. They state very clearly that they are attempting to collect a debt and go on to list the amount owed and the date of entry. ( FDCPA [ 15 USC 1692c ] 805 ( b ). 2. The list of questions that they demanded answers to went well beyond what is allowed and included, but not limited to the following : a ) NAME OF MY BANK AND ACCOUNT NUMBER, b ) NAME AND ADDRESS OF CREDIT UNIONS AFFILIATED WITH MY EMPLOYER, c ) LIST OF ANY CURRENT ATTACHMENTS AGAINST MY SALARY, TOTAL NUMBER OF ATTACHMENTS, NAME AND ADDRESS OF EACH CREDITOR AND BALANCE DUE ON EACH ATTACHMENT. d ) IF I BELONG TO A UNION, NAME & ADDRESS OF UNIOIN AND MY CURRENT ID NUMBER. e ) SSN, job title and department f ) gross earnings 3. The debt is beyond the statute of limitations. 4. I have never received any written communication from them or an accounting of what they claim I owe.
10/11/2017	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	NY 10467	Web
My husband had financed a car from XXXX car 's and he had lost his job so he had to give the car back because he was n't able to finish paying for it,. Then i think a year later i received a letter about a debt that i owed from a lawyers office and my bank account got frozen,. My rent was late because i could n't take out the money for my rent since the lawyers office they obtained documents to freeze my bank account,. I co signed for the car and my name is the only XXXX that there sending letters too,. My husband had called to setup payments they never called back and then few months later i get a letter from XXXX XXXX XXXX 's office a city marshal that there getting into my wages to take out the debt,. They contacted my employer about the matter and the letter said that they will take out the money from my wages from work,. My supervisor called me regarding this matter,. I am embarrassed and humiliated that they have to go through my employer and i can loose my job regarding this matter. Thank you.
07/26/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CT 06513	Web
I have attempted to work with the creditor in an attempt to pay back said debt. I have called numerous times, and when I call no-one is available to answer questions about my account nor do they ever call back. This creditor has been practicing illegal debt practices by using deception and reporting false information in an attempt to collect said debt. This creditor failed to send notification of any alleged missed payments prior to filing a wage garnishment proceeding. The account was in dispute due to this writer requesting account verification paperwork from creditor to verify the validity and amount of debt owed. Proper verification was never sent. In addition to that, they have falsified the amount that is owed and that has been paid. This writer settled on an amount of {$2700.00} to be paid to creditor, to date {$1900.00} has been paid, and the creditor has falsified documents to deceive the court that I have paid only {$1400.00}. I have attached payments from my bank statement for reference.
12/05/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 11550	Web
XXXX XXXX XXXX XXXX ( aka : XXXX XXXX XXXX ) filed a lawsuit on XX/XX/XXXX against me after the Statute of Limitations has expired for an unproven judgment entered on XX/XX/XXXX through the law firm Rubin & Rothman , LLC. The amount listed of on XX/XX/XXXX judgment was for {$4800.00} of which {$6000.00} was due plus interest from XX/XX/XXXX. On XX/XX/XXXX Rubin & Rothman , LLC froze my retirement account for {$12000.00}. I filed for a show cause with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and was grant a hearing on XX/XX/XXXX, which I attended without a lawyer because I could not afford one. Yet I was looking forward to the opportunity for my voice to be heard. But the Honorable Judge XXXX XXXX XXXX only had me to fill out a return envelope for his judgment. As a XXXX XXXX XXXX senior citizen, I strongly believe that my civil rights, and well as the written law that states that in the State of the New York that the Statute of Limitation of debt is three years, have been violated.
08/29/2019	Yes	Debt collection Auto 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 48185	Web
In XX/XX/XXXX my XXXX XXXX was one month away from lease being complete. I was paying the car note. The XXXX was impounded by XXXX for tickets. Since it was so close to time to return vehicle and I wanted to be transparent, by notifying XXXX XXXX XXXX XXXX, they told me since they were title holder they could get car out of impound, they never told me they would consider this a default to my lease agreement. Once that was done they considered a default on my lease agreement and charged me for the entire amount of car. I paid over {$4000.00} then stopped paying in XXXX. This year I received a notice in XXXX XXXX that a judgement to garnish wages have been taken against me. I live in XXXX and have been for 8 years. They are demanding I pay {$8100.00} for this car loan to XXXX XXXX XXXX. They took possession of the car and I paid over {$4000.00}. They are threatening to garnish wages. This would devastate me considering I am currently a single income household.
10/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CT 064XX	Web
I was served with papers to collect over {$6000.00} on a XXXX card I never had. I called the firm representing XXXX, Rubin and Rothman, and informed them it was not my debt. The attorney, XXXX XXXX, told me he would ask his client for copies of the statements as all statements attached to the complaint lacked what the {$6000.00} was spent on. I received a letter from XXXX asking me to circle the disputed charges on the statements I had and return to them. I wrote back via trackable Priority Mail that I did not have any statements to do that to, as all of the statements attached to the complaint were empty of purchases. XXXX then sent me a letter stating that because I didn't circle which purchases weren't mine on the statements, they concluded the purchases weren't mine which is disengenous to say the least since I never had them. I am beginning to suspect that XXXX has no records related to why I supposedly owe them $ XXXX.
04/14/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NY 11203	Web
XX/XX/2021 a notice I was being sued was left on a table that wasn't my abode for anyone to see violating my right to privacy. The person who left the paper came before XXXX, a violation of the FDCPA. I do not agree to the validity of the debt and the notice had a multitude of violations. I responded within the 30 days to their " Lawsuit '' and still haven't heard a response back. Recently, the alleged debt collector sent another letter attempting to collect the alleged debt ignoring my previous validation notice and affidavit of truth. The party attempting to collect this alleged debt is a third party " law firm '' and pursuant to 15 USC 1692e ( 3 ) one can not represent as an attorney and collect a debt at the same time without being a debt collector. Lastly, I do not want to speak to this third party as they were not involved in the original transaction and I do not consent to this third party being in my affairs.
08/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 12180	Web
I had a judgement with XXXX XXXX, and I had paid for a payment protection product that did not cover the 12 months after I lost wages, or was unemployed. This was listed as deceptive marketing practices by XXXX XXXX XXXX. There was restitution paid to the customers with credit card protection between the years XXXX - XXXX. The credit bureau appeared to have received information that the debt was satisfied prior to XX/XX/XXXX. The debt no longer listed in the public records but was listed as an adverse account. The time was only 5 years not the required 7 year time frame. The lawyer attempted to collect a old debt several times. They filed an income execution and shortly thereafter released from my job in XX/XX/XXXX. And in XXXX they put a hold on my bank account, I had to file a forms claiming the funds were exempt. They attempted to collect exempt funds used to pay for standard living expenses.
11/03/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 130XX	Web
On XX/XX/2023 I received a correspondence from attorneys Rubin & Rothman , LLC in an attempt to collect a debt. I was given until XX/XX/2023 to dispute the debt. On XX/XX/2023 I sent a response to Rubin & Rothman , LLC disputing the debt. I did not receive any further information or correspondence from the XXXX, let alone documentation proving that I owe the debt. Instead, Rubin & Rothman , LLC violated the FDCPA and opened a lawsuit against me on XX/XX/2023 in an attempt to collect a debt that was not verified. On XX/XX/2023, I called Rubin & Rothman , LLC requesting a copy of my original finance agreement with the Plaintiff to be mailed to me. I have copies of every written correspondence made between myself and Rubin & Rothman , LLC, and every correspondence created by me was sent via Traceable Mail, either Registered or Certified. Documentation is available upon request.
07/14/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NJ 08021	Web
Rubin & Rothman. LLC Attorneys at Law sent a debt collection letter on XX/XX/ falsely representing that attorney 's were involved in this attempt to collect this alleged debt. Rubin & Rothman. LLC sent letters with the phrase " Attorney at Law '' at the top of the letter. The letter also included a payment coupon indicating that payment should be sent to the firm. Attempting to influence me to pay an alleged debt that i wouldnt otherwise do. Violations of 15 USC 1692e ( 3 ), ( 10 ). I have not given any authorization for them to communicate me and I have never had business or contractual relationship with them am unaware of any legitimate obligation owed to them. There '' s multiple companies attempting to collect on the same alleged debt which will ALL BE NAMED IN RACKETEERING and extortion compliant being filled with XXXX XXXX
11/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 121XX	Web
On XX/XX/2018 a summons was delivered regarding XXXX XXXX XXXX credit card with balance of {$2200.00} ; represented by Rubin Rothman law firm. An agreement was made between XXXX XXXX and Rubin Rothman law. Agreement stated that XXXX XXXX pay {$700.00} to satisfy {$2200.00} balance on XXXX XXXX credit card, bringing said balance to {$0.00} due. ( This conversation was legally recorded and can be offered as evidence ). Rubin Rothman law sent agreement in mail. XXXX XXXX paid balance on approx. XX/XX/2018. On XX/XX/2018 Rubin Rothman law sent document confirming the court was notified that this action had been resolved. Capital One changed balance from {$2200.00} to {$1500.00} due. Capital One has not changed the balance due to {$0.00} as previously agreement stated with Rubin Rothman law firm and satisfied by XXXX XXXX.
03/03/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 12553	Web
Rubin and Rothman, LLC sued me Last year for a Debt I did not Have with Them or Owed them At All. And Has Unlawfully Reported it to The Consumer Reporting Agencies without My permission and Has Cause me Severe Loses. Due to the Inaccurate Information that is on MY Credit Profile.I did not given RUBIN AND ROTHMAN Permission to Contact Third Parties with my Private or Personal Information. By Obtaining my Credit Profile on XX/XX/21. Without Permissible Purpose RUBIN AND ROTHMAN Violated The Fair Credit Reporting Act. { FCRA } codified 15 USC 1681 { b } { a } { 3 } { f } { i }. I have not Initiated Any Transaction with RUBIN AND ROTHMAN, Furthermore I do not have an Account as Defined under 15 USC 1693 { a } { 2 } for Review or Collection. And Must Delete That UNAUTHORIZED INQUIRY IMMEDIATELY.
08/24/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	NY 145XX	Web
I have made a lot of attempts to settle with this credit card from XXXX XXXX but they did not want to help me and now it is at the Sheriffs department to take my wages that I do not have. I just recently opened a small business and have not made any money and they just want to take what I do n't have to give, I offered to settle for {$1500.00}, and they denied to settle for that. This is my last credit card that I owe, due to me losing my job in the past and went to a debt consolidation company that was suppose to help me and did n't so now all I want is this to be taken care of. They are with XXXX right now and they do not call me back, they are avoiding my calls, just goes the rep 's voicemail but they never call me back, I do n't understand why I can not get this resolved.
09/25/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NC 282XX	Web
I have attempted to resolve this debt voluntarily on numerous occasions. I have now received a summons indicating that the plaintiff is XXXX XXXX XXXX. In contacting XXXX XXXX XXXX they have advised me that they sold the account a long time back to a company called XXXX XXXX. I think that Rubin and Rothman are baiting me into paying the debt by utilizing XXXX XXXX XXXX 's information on the plaintiff category. I now have 20 days to reply to this or they are executing a judgement against me. I question as to how many others have been in this position and how many were unable to provide an answer therefore a judgment against them was processed. They could be collecting millions of dollars through illegal judgments.
05/02/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 13820	Web	Older American
I found out that XXXX has a judgement against me when I was trying to get a mortage ... .I knew nothing of this-it was a complete shock.On XXXX / XXXX / XXXX a judgement was filed in court..I have tried calling and writing XXXX , and no one answers me -- -- I do n't even know where this debt is from-I became XXXX 10 years age so I always rent and have only got a car, so there is no big items I bought. There is also some lawyers on the judgement named Rubin and Rothman who I also tried contacting and again no answer. The amounts from the XXXX also varies. R and R has {$1200.00} per the court house -- -- - XXXX is a little over {$1000.00} ... ..How can I deal with these people -- Thank-you XXXX
05/04/2019	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	CT 06854	Web
on XX/XX/2019 I received a later dated XX/XX/2019. It looks like is from a law firm Rubin & Rothman , LLC attorneys at law. XXXX XXXX XXXX XXXX, NY XXXX phone # XXXX faxXXXX.This is fraud trying to collect a debt. 1 ) the letter looks fake like mass produced ( I work for attorneys and this is not a formal letter of collections ) 2 ) my name its not correct or the address ( its close but wrong ) 3 ) it says I own $ for credit card with XXXX 4 ) I DONT HAVE ANY CREDIT CARDS WITH THEM. If I ever did it was over 15yrs ago. all credit accts were closed. and any credit cards I have is in my real full name, never in my pet name. 5 ) this is 1st I seen this type of communications
02/08/2019	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TN 377XX	Web
The company is Rubin and Rothman recovery llaw firm in New York and the phone number is XXXX. They have called me repeatedly, left voicemails saying they will come to my house or work within certain time frames. I called back and an employee was extremely rude. They do have my information incorrect as I was going to discuss, but it was impossible due to the rude gesture of the employee named XXXX. I then spoke with XXXX who threatened me with court and said I was on a recorded line and would have my time in court. I do not know what this pertains to. I have not received anything from this company until these threatening calls started within the past week.
05/13/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MA 01843	Web
On XX/XX/2021 XXXX XXXX XXXX XXXX, of Rubin & Rothman LLC posed as the attorney of XXXX XXXXXXXX XXXX XXXX XXXX XXXX who engaged in misleading representation by filing a statement of small claim and notice without having prior consent to communicate with me the consumer in connection with a debt collection, a failure to comply pursuant to 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) and 1006.6 ( b ). The company also engaged in unfair practices by bringing an unauthorized legal action to consumer attempting to collect an alleged debt of {$3600.00} plus {$100.00} in court costs, a failure to comply pursuant to 12 CFR 1006.18 ( c ) and 1006.22 ( b ).
06/02/2020	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	NY 11223	Web
Rubin & Rothman filed a law suit case against me on behalf of XXXX XXXX. They were using a scarring technic and advise me not to go to court and signed some paperwork, forced me to make monthly payments to them, not to XXXX XXXXXXXX XXXX. After a while I tried to validate the debt. This company doesn't have nothing besides the copies of statements. they refused to establish an ownership of the debt and didn't provide me with a copy of the retainer between their company and XXXX XXXX XXXX. So they illegally filed a law suit on behalf of the bank when in reality they must act as a collection company and validate the debt first.
12/30/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NY 120XX	Web
I have a loan from XXXX credit from 14 years ago that I defaulted on in my younger years. I have heard nothing of this debt in at least 8 years, this is no longer on my credit report, I have not received any letters for an attempt to collect, they have not contacted any of my previous employers, an out of the blue on XXXX XXXX XXXX the payroll department of my current employer received a subpoena from a lawyers office by the name of Rubin & Rothman LLC demanding information on my pay. This debt is from XXXX/XXXX/XXXX, almost 14 years old and from what I understand the statue of limitation for the state of NY is 6 years.
05/03/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	NY 11706	Web
XXXX XXXX XXXX forwarded a alleged debt to a attorney to collect and file a judgement against me when the alleged debt was never owed. When a full analysis of my account was conducted payments was not posted to the account. Nor was the correct amount of payments made by XXXX XXXX was posted to my account. Payments was misapplied and not applied at all. Interest accrued on non posted and incorrect payments which caused a on going balance of XXXX %. Went to court filed a motion submitted supporting documents, motion was still denied. A judgement is still being filed after receipts from XXXX XXXX were submitted.
03/04/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	NY 10550	Web	Servicemember
in 2005 i bough a ford focus but i return the vehicle because it was defective the car could not start the tow truck came and pick it up i did not get it back 6 years later i was contacted a debit collector Rubin & Rothman they call me several time on the phone and send letter in the mail i keep telling them i do't have a contract and i do n't owe any money i have a XXXX balance i have contact ford XXXX and the account is close but Rubin & Rothman keep calling and sending letter in mail they take away both of my account saving and checking value {$6000.00} that 's more than the car cost
10/12/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NY 11722	Web
- DEBT COLLECTOR CONTACT WITHOUT PRIOR AUTHORIZATION OR CONSENT AS PER 15 U.S. CODE 1692c - DEBT COLLECTOR COMMUNICATING WITH A CONSUMER REGARDING A DEBT BY POSTCARD. VIOLATION OF 15 U.S. CODE 1692f ( 7 ) - DEBT COLLECTOR USING MISLEADING LANGUAGE TO IMPLY THAT THE DEBT COLLECTOR 'S COMMUNICATION IS FROM AN ATTORNEY OR THAT THE DEBT COLLECTOR IS AN ATTORNEY. VIOLATION OF 15 U.S. CODE 1692e ( 3 ) - DEBT COLLECTOR KNOWINGLY TRANSFERRED, POSSESSED, AND USED, WITHOUT LAWFUL AUTHORITY, A MEANS OF IDENTIFICATION OF ANOTHER PERSON. THIS IS A DIRECT VIOLATION OF 18 U.S. CODE 1028A ( a ) ( 1 )
10/13/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 11375	Web	Older American
In 2022 i started a bankruptcy process based on my living situation with me not having a job and husband having a XXXX. I retained a lawyer and all XXXX was notified that there will be a bankruptcy hearing. I took pre bankruptcy course. Yesterday XX/XX/XXXX - someone served civil court papers to a minor- i thought its very illegal move? I called Rubin and Rothman at XXXX and asked how dare you serve something to a minor - I spoke via help of my relative and they were not too nice. They should have not harrassed me or especially a minor who is XXXX XXXX XXXX. Its a disgrace.
05/03/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	NY 11208	Web
On XX/XX/XXXX, I was advised by my employer 's legal department that Rubin and Rothman LLC mailed a subpoena requesting my salary information. The subpoena notes the creditor as XXXX XXXX. for a credit card account that was closed on XX/XX/2009. Thus the statute of limitation to collect for this debt has passed. I also received a letter from the XXXXXXXX XXXX office requesting payment 20 days after the mailing of XX/XX/XXXX. I can not afford an attorney, and I have never been issued a subpoena. I will greatly appreciate guidance on how to proceed. Thank you,
07/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 10952	Web
On XXXX, XXXX, 2017 I found out that a " Bank Levy '' was placed on my XXXX XXXX account by Rubin & Rothman LLC. Placed a hold on all my account funds & Deduction of {$450.00}. I was never summoned to court or sent a letter to dispute or for debt to be validated before placing a " Bank Levy '' on my account, causing me severe financial difficulties and more fees to other bills that I had paid and were returned due to Rubin & Rothman LLC placing a Bank Levy without any prior notification or writing notices. I feel my consumer rights were violated by Roth & Rothman.
12/08/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 11235	Web
I contacted this company so many, many, many times and all they do just providing me with statements. Not only they didn't provide me with a proper debt validation, but they also as I found out filed a lawsuit against me, but failed to serve me. They ( according to their record ) served my sister. I dont have a sister and I didn't live at the address they allegedly served me. Its a Court Fraud .It is a violation of FDCPA and FCRA. they never provided me with " debt purchase contract '' or " debt assignment contract " .Its a robbery.
09/25/2019	Yes	Debt collection Auto debt	False statements or representation Told you not to respond to a lawsuit they filed against you	NY 11218	Web
I purchased a vehicle in 2012. The vehicle was almost paid off, due to an injury I fell behind however I did begin to resume making the payments. I made an agreement with the debt collector for the amount of {$4500.00} of which {$2000.00} was paid. The creditor sold the loan without my knowledge and I sent payments to the original company. I was then sent a law suit letter stating I now owe {$10000.00}. I was not given any written notice that this loan/debt was sold and that payments should be sent to another company.
04/16/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	NY 14450	Web
Hello, Ive been going through a rough time and got way behind on my credit cards and a company Rubin & Rothman , LLC XXXX XXXX XXXX XXXX NY. XXXX is sending collection letters and garnishment letters to my employer. I understand if they send to my payroll dept, but they are sending certified letters from the Sheriffs dept, directly to my office so that my employees see it because it is not addressed to me. This is embarrassing and I dont believe it should be allowed.
06/16/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 10469	Web
The Petitioner XXXX XXXX XXXX hired Rubin & Roithman, LLC and sued me for debt they claim I owe. I was NOT properly served ; therefore they were granted a summary judgment. I summited an Answer to complaint on XX/XX/2018 with Civil Court of The city of XXXX XXXX XXXX County. In this Answer to complaint I specifically asked for the original wet ink promissory note for my inspection. They sent me copies of statements which isnt what I requested and its not PROOF.
11/11/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 10472	Web
I requested debt validation that they claimed was sent to me. They proceeded to sue me when they are supposed to validate and stop collections till they can validate. They claimed it was mailed to me. Which I have proof its a lie because I get pictures from usps informed delivery sent to my email. They sued me even though I asked for validation which they were to stop collections on this debt. I asked for validation before the do date.
05/12/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11553	Web	Servicemember
I have been disputing this matter with XXXX XXXX, I have sent numerous letters to settle this debt with them. Due to the pandemic, I have heard anything back from them now I received a letter from a third-party collection agency that brought the debt. I only going to deal with XXXX XXXX on this matter with no third parties for I have tried much time to settle with XXXX XXXX before it was sold to a third party.
07/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10598	Web
Rubin & Rothman LLC XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Fax : XXXX License Number : XXXX Rubin & Rothman LLC is trying to collect {$3100.00} I have never had any financial or contractual relationships with Rubin & Rothman LLC , I LLC d/b/a XXXX XXXX XXXX. XXXX XXXX or " XXXX XXXX '' This is Invalid, Fraudulent ( Scam ) or an Accounting / Data Entry or Mistaken Identity.
11/24/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CT 067XX	Web
I received a notice from Rubin and Rothman LLC stating that I owe an alleged debt to XXXX, XXXX aka XXXX, I replied to Rubin and Rothman LLC as shown in the attachments I have included with this complaint. Robin and Rothman LLC did not reply to my request but they did violate me by improperly serving me a " SMALL CLAIMS WRIT AND NOTICE OF SUIT ''. See attachments.
04/09/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	NY 11423	Web
Rubin & Rothman LLC ( R & R ) received default judgments on the basis of false and/or legally inadequate affidavits even though plaintiff and defendant agree to " reset payment date '' and not request default due to R & R online payment processing issues. The negative statement on my Credit report and misrepresentation by R & R attorney.
10/27/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 10472	Web
I was sent a letter from a lawyers office Rubin and Rothman stating I owe them a debt. I did not recognize it. I sent them a debt validation letter and it was certified I have the proof they received letter. They never sent me back what I asked for. Today I got served and the letter was taped on my door for everyone to see.
10/06/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY XXXXX	Web
I went to court, they said they would schedule another meeting or cancel the debt. If one was even sent I did n't get the notice because I moved. They do not have enough evidence to state that I owe that money. The statements as proof that they provided did not go as back to validate the debt they are claiming.
08/03/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10312	Web
Rubin & Rothman XXXX XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX they levy my personal account for over {$9400.00} and they did n't send me mail or call me to about the debt i have left them morethan 20 messages and they never called me back or pickup my calles to review the issue.
07/09/2023	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	NJ 08873	Web
I opened a credit card with XXXX XXXX, card number, XXXX XXXX XXXX XXXX, and paid the balance by XX/XX/2022. I have all of the supporting documents that showed my credit card is closed. Two months later I received a bill for XXXX with not my credit card number.. A card ending in XXXX?
04/10/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY XXXXX	Web
I have a garnish against me and just found out Trough the bank,, I never received a court order and no documents for me to know whats going on,, they put a hold on my bank acct and is against the law to sue someone if they dont know,, I never get the chance to defend myself
03/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	TX 77064	Web
There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports.
06/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 07104	Web
I had fund taken out of my account with no prior warning, company is stating that i was served with a letter, that never happen. I never applied for a credit card or loan with XXXX XXXX XXXX. XXXX Rubin and rothman llc # XXXX
07/22/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NY 10954	Web
Rubin and Rothman had placed a judgement against me. I made an settlement offer of {$4300.00} which they excepted on XXXX XXXX, I have still not received any paperwork from them to vacate the judgement as they have agreed on.
12/12/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NY 11554	Web
On XX/XX/2015 I filed Chapter XXXX bankruptcy protection which included XXXX. Around XX/XX/2015 by bankruptcy was XXXX also the debt of XXXX. Today in the mail I received a letter from XXXX trying to collect this debt.
06/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 08302	Web
i received a letter from Rubin & Rothman LLC claiming i own {$12000.00} from an account that i haven't use for 4 years since i lost my job back in 2017. this account its been close and i don't even have access to it.
01/23/2017	Yes	Credit card	Billing disputes	NY 11214	Web	Older American
XXXX acct has XXXX insurance and they refuse to activate the insurance on the acct they prefer to go to a colledction agency which is fraud! GO AFTER THEM AND GET THEM TO ACTIVAE THE INSURANCE AS I AM XXXX
07/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10458	Web
Letter dated XXXX XXXX from Rubin & Rothman , LLC stating {$2000.00} owed creditor : XXXX XXXX XXXX, account # XXXX, file # XXXX. Attempting to collect a debt. No knowledge of any such debt.
07/29/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 114XX	Web
On XX/XX/XXXX, I mailed out a Validation of debt request to Rubin and Rothman, LLC. I have not received a response whatsoever. I want this account removed from my report.
08/15/2015	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	NY 11365	Web
Account is time barred.
01/30/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CT 06820	Phone

01/17/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CT 062XX	Web

11/29/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 11208	Web

10/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11701	Web	Older American, Servicemember

09/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06098	Web

09/06/2023	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	FL 32955	Web	Servicemember

07/20/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NJ 08021	Web

07/04/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NY 14211	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NY 10312	Web

02/27/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10960	Web

02/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 07052	Web

02/18/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NJ 07086	Web

01/15/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 14626	Web

01/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11210	Web

10/05/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33181	Web

04/24/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NY 11226	Web

04/21/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 11435	Phone

04/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 11779	Web

03/01/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	NY 11779	Web

01/26/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NY 11501	Web

01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11225	Web

01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11225	Web

09/22/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 02122	Web

08/10/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 11235	Web

07/06/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 11776	Web

06/29/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11704	Web	Older American, Servicemember

06/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 12564	Web

05/14/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NY 10546	Web

02/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 14619	Web

09/02/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07042	Web

08/10/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NJ 07017	Referral	Servicemember

03/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MA 02777	Postal mail

01/07/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 13830	Referral

08/21/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours		Phone

08/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11214	Referral

08/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 12054	Web

06/29/2019	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 11414	Web

06/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11432	Web

06/03/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 13207	Postal mail

05/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11566	Web

04/09/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11432	Referral

03/16/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	DC 20037	Web

03/11/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt		Phone

12/11/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 11231	Referral

10/02/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CT 06901	Web

09/26/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	NY 10469	Web

06/04/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	NY 12065	Web

04/24/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 13329	Referral

01/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10017	Referral

12/12/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 11530	Web

11/08/2017	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	NJ 07503	Phone

11/02/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10065	Referral

08/11/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 20158	Web	Servicemember

08/02/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10952	Phone

06/27/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	NY 12061	Web

06/02/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11203	Postal mail

05/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10004	Postal mail

04/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 14063	Referral

04/18/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	NY 10452	Web

10/23/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	NY 14301	Web

10/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NY 13165	Web

06/21/2016	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	NY 10280	Web

06/08/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	NY 11421	Postal mail

05/26/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 12180	Phone

04/05/2016	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	NJ 07055	Referral

03/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 12204	Web	Servicemember

02/03/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	NY 11237	Postal mail

12/03/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 11757	Web

11/14/2015	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	NY 13754	Web	Older American

09/30/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 11354	Web

08/10/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	NY 10026	Phone

07/06/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 12603	Web

06/25/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	NY 11520	Web

04/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 11575	Referral	Older American

02/16/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	NY 11717	Web

01/23/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	NY 14224	Web

12/24/2014	Yes	Debt collection Auto	Disclosure verification of debt Not disclosed as an attempt to collect	NJ 09757	Web	Older American

12/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10029	Referral

12/01/2014	Yes	Debt collection Auto	Improper contact or sharing of info Contacted employer after asked not to	NY 13662	Web

11/26/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 07728	Web	Older American

10/29/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 11421	Web	Servicemember

10/20/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY 11795	Web

09/27/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 11742	Web

09/26/2014	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	NJ 07504	Web

08/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 11510	Referral

07/24/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 11746	Web

06/24/2014	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	NY 11803	Web

06/17/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	NY 14450	Web	Older American

06/12/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 11222	Referral

06/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10026	Postal mail	Servicemember

04/30/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10462	Referral

02/20/2014	Yes	Credit card	Billing disputes	NJ 07753	Phone

02/20/2014	Yes	Debt collection Auto	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 13413	Web

02/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11787	Web	Servicemember

02/14/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	NY 14895	Web

02/13/2014	Yes	Debt collection I do not know	False statements or representation Indicated shouldn't respond to lawsuit	NY 10016	Web

01/19/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 14150	Web

01/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	NY 11726	Web	Older American

12/24/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 11740	Web

12/10/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 12775	Web

11/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11727	Referral

11/19/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 10040	Referral

11/15/2013	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	NY 10314	Web

10/02/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	NY 11234	Referral

09/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11362	Referral

09/20/2013	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	NY 10009	Referral

09/18/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NY 11755	Web

09/12/2013	Yes	Debt collection Auto	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 14904	Web	Servicemember

09/06/2013	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 11104	Referral

08/27/2013	Yes	Debt collection Auto	Taking/threatening an illegal action Attempted to/Collected exempt funds	NC 28173	Web