| 04/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern, I have reached out to you several times and have ask that you do a proper investigation and provide me with the proper documents of alleged debt.
Till this day you have not done so and have refused to do so.
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate these items. My previous letters- all sent certified mail- stated my reasons for an investigation and these reasons were not frivolous in anyway.
I believe your company has violated several of my consumer rights. Specifically, you : -Failed to validate a debt at my request- FDCPA violation -Continued to report a disputed debt to the CRA- FCRA violation -Continued to attempt to collect a disputed debt- FDCPA violation -Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character.
The FCRA has a penalty for filing any lawsuit or subsequent court papers that are later determined to have been filed in bad faith or for purposes of harassment.
I can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA.
A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA.
This letter will again request that you follow the FDCPA and provide the following : I do mean all 7, request.
Validation of Debt Request - Proof of your right to own/collect this alleged debt.
- Balance claimed including all fees, interest and penalties.
- Contract bearing my ACTUAL personal signature ( Not a Computer Printout ).
- License proof to collect debts in my state.
- A credit agreement signed by me and you.
- Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor.
- Copy of my NYS Photo ID which is required to open this type of account.
This letter is your notice that I dispute the above referenced debt.
This is not my account. I do not owe this balance. I did not open this account. This account was opened without my consent or knowledge.
I request that you verify this account with all pertinent information, including the original creditors identity principal amount, late charges, interest, and collection costs that have been assessed.
Lawyers have ethical responsibilities to their clients, the courts and others that are identified in the New York Rules of Professional Conduct. I feel you and your attorneys have violated my rights and I will defend me and my family by all LEGAL means.
A copy of the Rules may be found at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
If a lawyer meaningfully violates a Rule of Professional Conduct, he or she is subject to discipline administered by a governmental agency affiliated with the court system.
When you believe a lawyer may have violated the Rules of Professional Conduct, you can write a letter to the appropriate Attorney Grievance Committee at Copies of this notice will be sent to all the proper agencys including the ones listed below.
ATTORNEY GRIEVANCE COMMITTEE Supreme Court, Appellate Division First Judicial Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX Chief Attorney Departmental Disciplinary Committee Supreme Court, Appellate Division First Judicial Department XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, NY XXXX The Fair Credit Reporting Act ( FCRA ) is a federal statute that protects consumers from any dishonest or immoral credit reporting agency or entity. It promotes accurate reporting, the privacy of sensitive information, and also allows you to pursue compensation for any violations.
I will also be checking my credit report to see if you have willfully reported an unverified and disputable alleged debt to the credit bureaus. If so, that will be a violation of the Fair Credit Reporting Act. I will state again If I receive anything other than absolute proof that you removed all marks and comments from my credit file, I will assume you are harassing me and ignoring my letters and I also will be sending copys of this to my State Attorney General, CFPB, XXXX, and the XXXX XXXX XXXX.
Thanks XXXX XXXX
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| 08/05/2021 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I am the consumer in fact, natural person, original creditor, lender, executor.
I received a letter from Tromberg, Morris, Poulin, PLLC. This letter was received by me on XX/XX/2021 with a date that it was written of XX/XX/2021 on it. Pursuant to 15 USC 1692e - False or misleading representation. The letterhead states it is a law firm, but the moment they decided to represent a collection agency, they became an agent to XXXX. According to the FCRA ( Fair Credit Reporting Act ) and TILA ( Truth In Lending Act ) they have violated multiple law. I listed them in my affidavit of truth, which was notarized when I sent this package.
Not only did they violate the laws that I listed which are : Pursuant to 15 USC 1692c ( a ) Communication with the consumer generally was not given to you by me.
Pursuant to 15 USC 1692c ( b ) Communication with third parties I did not give you consent to contact me.
Pursuant to 15 USC 1692j ( a ) It is unlawful to compile a form in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Pursuant to 15 USC 1692g ( c ) ADMISSION OF LIABILITY The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Pursuant to 15 USC 1692i ( b ) AUTHORIZATION OF ACTIONS - Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
Pursuant to 15 USC 1692a ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another I WOULD LIKE TO ADD A FEW VIOLATIONS THAT WERE NOT LISTED ON MY INVOICE : Pursuant to 15 USC 1692e - False or misleading representation. The letterhead states it is a law firm, but the moment they decided to represent a collection agency, they became an agent to XXXX Pursuant to 15 USC 1692e ( 3 ) - The false representation or implication that any individual is an attorney or that any communication is from an attorney. According to 15 USC 1692a ( 6 ) you became a debt collector once you took the job to try and collect an alleged debt on there behalf.
Pursuant to 15 USC 1681a ( e ) there was no investigation that was completed. According to 15 USC 1681a ( e ) the definition of a investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Pursuant to 15 USC 1681n, I will hold you civilly responsible for this matter.
Another invoice has been mailed out to you to cover the last 3 violations that I have mentioned above.
I then received paperwork to go to court for this matter, which I have attached to this complaint.
Pursuant to 15 USC 1692 I am the consumer and I do not owe any debt because I am the consumer and I am not obligated to pay. I am an administer agent Pursuant to 15 USC 1602o, I do not own the SS #, which by definition of the congressional findings is a credit card, it belongs to the SS Administration and I will have to give it back at there request. I am just an administering agent and I don't own any debt attached to it Pursuant 18 USC 8.
I listed 4 violations on my invoice, but since the letter has arrived there have 2 been other violations and I demand this to be resolved. I demand that this tradeline be removed from all 3 credit report agencies. I demand that the invoice ( s ) be paid by the due date that is listed in it which is XX/XX/2021 and that a letter is sent to confirm that all of these matters have been taken care of.
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| 05/29/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear Tromberg Morris Poulin, PLLC also known as XXXX XXXX I was sent a letter on XX/XX/XXXX by your company Tromberg Morris Poulin , PLLC about an alleged debt that I supposedly owed. I have not had any debt with any company named XXXX XXXX, who it shows as the current creditor nor XXXX XXXX XXXX who it shows as the original creditor. This alleged debt was supposedly from XXXX and I am completely unaware of and completely dispute the validity of it. I previously sent in a request asking for all written verification of the original debt and that it be sent to my address, showing what purchase ( s ) I made and the total principal amount owed on this alleged debt. I am requiring a copy of this alleged final account statement from the 'original creditor ' and documentation showing the total for these charges and the fees applied to them. I also requested the dates for each fee and the dates each were incurred. I have checked my credit report now and for the past few years and have never seen any credit or Collections from this supposedly 'original creditor '. Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit score. So, again, I am requesting and requiring the date this account first became past due and the date this account first went into Collections. At a minimum, I'm requesting a copy of the original written agreement between myself and this creditor showing proof of such agreement. I currently do not have any Collections on file nor have I had any Collections from this account in my file. Moving forward if this was to occur I still dispute this alleged claim of debt.
I have contacted your company on several occasions via phone at the phone number ( XXXX ), in which I was unable to be provided additionally information about this alleged debt. I received this letter by mail on XX/XX/XXXX. I called on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX, who stated the case is being reviewed so she didn't provide any additional information about this alleged debt. I also called on XX/XX/XXXX at XXXX and spoke with XXXX XXXX who didn't provide any additional info either and unfortunately transfered me to a voice-mail where no one answered. I then called on XX/XX/XXXX at XXXX and awaited a live representative but no on answered. I attempted to leave a voice-message but then the phone line began ringing again without allowing me to leave the message. I awaited a live rep for over 10 minutes but no one answered. On XX/XX/XXXX at XXXX I received a call from a rep named XXXX XXXX who stated he was the account manager and he advised that I should send in all of my requests to this email to have them addressed, in which I did.
On XX/XX/XXXX I mailed a certified letter specifically requesting written verification showing my itemized purchase history but that is not what I received. I also certified mail documents to the Department of Consumer Affairs which shows your company still under the name XXXX XXXX and not Tromberg Morris & Poulin. There are many red flags in which I believe are fraudulent acts or incorrect information and I would like them resolved.
On XX/XX/XXXX I received a letter from your company, Tromberg Morris Poulin, showing a copy of an alleged court judgment filed by company " XXXX XXXX '' or " XXXX XXXX XXXX XXXX '' but you still have not sent me any documentation itemizing or describing what purchases and interest I allegedly made and accrued. The names of your company changed a few times so there may be some fraudulent acts occurring. So, again, I am requesting and requiring all written verification of purchase history and at a minimum, a copy of the signed written agreement between myself and this agency so this discrepancy can be rectified as soon as possible. Thank you
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| 04/26/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Dear CFBP Team, XXXX XXXX XXXX XXXX sued me through XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX for the account of XXXX XXXX XXXX XXXX for {$2700.00}. File for this case is # XXXX XXXX. They are not the original creditors but debt collectors.
First. I didnt know what to do. I haven seen the full chain of titles and review the statute of limitations.
In addtion, this is my third year of unemployment on and off. Ending sick and several debts. It was out of my control the changes of circunstances. Lost my car too by breakdown.
I have seek legal assistant through XXXX for advice.
They could represent me for a day. But since this was a long process of back and forth with the plaintiff I decided to negotitated. Thats what I thought.
I first tried to negotitated on XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX at the first day of citation without looking at the full chain of titles and the statutes of limitations and my rights when the plaintiff pulled me over to offer a " settlement offer ''.
Plaintiffl lawyer pulled me over and offered me a settlment of XXX amount. It was pretty high for me since I am unemployed. Orignallly the balance was {$2700.00} I told him I am not working at the present time. He then told to send me to send them the harship of unemployment document and the settlmeent offer {$900.00} for the office to review.
I have sent this info via cerity mail.
I didnt heard from them until I follow up on XX/XX/XXXX citation at the court on the XX/XX/XXXX the plaintiff sayed the office rejected the offer and they will accept the amount of {$2100.00} to settled the case.
I accept the offer under my unemployment circunstance and several other debts on the side. Beside going through personal health problems SInce I am accepting the XXXX, I want to request in court Stipulation of Settlmenent Agreement. Once the settlment agreement was reviewed in front of the judge I did request to add the account since was not there but the file # and making sure the deletion of XXXX XXXX XXXX is included.
They gaved me 30 days. I have borrowed the money and sent them the settlement payment via Certify Mail using a XXXX Check. I have able to confirmed that they not only received the settlement payment check on XX/XX/XXXX at XXXX, but the check was immediatelly cashed after investigate with XXXX check cashing.
As of today they did not remove this account from all my credit reports. They did not keep their word by court that they were going to delete this account from all my credit reports once theFINAL PAYMENTis received.
That never happened. The account still reflecting in all my credit reports hurting my score.
After all my sacrifices and efforts to solve this account., They did not keep their word by court that they were going to delete this account from all my credit reports after payment.
I have also find out this is an expired an account. The creditor or debt collector can't sue a debtor to collect the debt. In addtion by the law I am exempt due to unemployment.
Also in XX/XX/XXXX, XXXX. XXXX XXXX signed a new legislation to cut the statute of limitations from six years to three years. Technically this account passed the statute of limitations and should be delete it from all credit reports besided that this already been settled.
Please see the enclosed proof of Stipulaiton of Settlement Agreement including court documents, tracking and copy of check for your review.
It is putting in a position to file a bankrupcy as a final.
This is the reason that I have no more choice but to report it to the FTC and CFPB.
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| 08/10/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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XX/XX/2022 In the matter of the name i believe i use, XXXX XXXX XXXX, SMS File # XXXX used, could there be an impropriety? i believe i've spoken to the alleged reps at the company XXXXXXXX XXXX, XXXX XXXX and however many accounts Tromberg, Morris, Poulin attorneys believe they have an interest in, besides having spoken to many alleged reps at Tromberg, Morris, Poulin, but even though i believe i've told them i'd be happy to so called pay but it's just a matter of speaking to the alleged claimant/one with firsthand knowledge accepting liability for the claim of a debt due, so i can verify their claims, could it be they've told me they have no firsthand knowledge yet proceeded to levy a XXXX XXXX bank account i believe i use and took out several amounts from it? How can there be a valid claim without a claimant? How can they proceed on hearsay? i believe i've repeatedly asked to speak to the claimant, and could it be to this day they have failed to produce evidence of a claimant after asking that they have him/her call me directly many times so i can verify what they're saying and help him/her settle it honorably? i believe i've yet to speak to the alleged claimant after calling, faxing, emailing and leaving voice mails many times requesting that he/she calls me. Could it be almost every time i call they hang up on me, could this be considered acting in bad faith and ex parte? Could that be evidence there either is no claimant or the alleged claimant has no objection to my request for them to discharge this or to put it on a full cease and desist from collections, communications and any illegal and or legal action for lack of firsthand knowledge? Could there be an impropriety?
If the alleged agreement was with someone else where was the meeting of minds and proper notice to have Tromberg, Morris, Poulin to come into this? Who invited them? Could it be this has caused injury? Could this be considered meddling, false claims, false impersonation, identity theft, identity fraud, malicious compliance, barratry, champerty, creating fictitious debts, creating fictitious obligations for using the name for profit without the proper authorization, without proper so called compensation on the basis of hearsay? I'm told that's against the law. i believe i've repeatedly requested them to discharge this and any and all accounts they have on file or put them on a full cease and desist from collections, communications and any illegal and or legal action till the alleged claimant decides to step up to call me directly in order to give firsthand testimony/firsthand verification and object, but they still proceed anyway on hearsay. Would you be kind to do a due diligence investigation into the alleged matter ( s ) that are being handled by Tromberg, Morris, Poulin? Could it be because they have repeatedly proven that this is an invalid claim based on hearsay by failing to produce evidence of a claimant, i'm requiring that they discharge this or put it on a full cease and desist as i requested within 10 days, removing the levy and notifying the consumer reporting agencies this alleged matter is now settled honorably because the claimant has refused to step up in order to object to it? Love you, the one who uses the name XXXX XXXX XXXX.
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| 04/15/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The wrongdoers Tromberg Morris & Poulin PLLC ( hereafter " TMP '' ) are debt collectors as defined by the 15 U.S.C.A. 1692a. Attorney XXXX XXXX XXXX ( hereafter Tromberg ) is TMP managing partner. The issue presented in this complaint has been raised in the pending litigation, XXXX XXXX Florida Ninth Judicial Circuit Court Case No.2014-CA-1836. In this complaint I do not seek redress for an injury caused by the state-court decision itself, but rather for injuries caused by the wrongdoers fraudulent conduct. Tromberg was XXXX XXXX XXXX XXXX managing partner since XXXX. Siting at the top of the collection law firm hierarchy, on XX/XX/XXXX, she submitted for recording the XX/XX/XXXX fraudulent Assignment of Mortgage ( attached hereto ) that purported to document a transaction whereby Branch Banking and Trust ( " XXXX & XXXX '' ) " does hereby grant, sell, assign, transfer, and set over unto Assignee, the XXXX XXXX XXXX XXXX XXXXXXXX as Trustee for the Benefit of the Certificate Holders of the XXXX XXXX Asset Backed Certificates Series XXXX ... a certain mortgage, together with the note and obligation described in said mortgage. -- -- - In XXXX XXXX Bank ( the original lender ) was acquired by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The letter and the loan transaction history provided by XXXX XXXX XXXX ( attached hereto ) show that the mortgage was no longer a XXXX XXXX asset when XXXX XXXX XXXX completed the acquisition ; the loan was transferred on XX/XX/XXXX. The name of the person to whom the right was transferred was not provided. XXXX XXXX XXXX never owned the note and the mortgage and could not assign the original bank 's XXXX XXXX XXXX ) rights. Moreover, the loan was originated on XX/XX/XXXX and the fraudulent Assignment of Mortgage was dated XX/XX/XXXX. In securitization a mortgage can not be assigned months or years after the date of the origination of the underlying mortgage note and can not be assigned from the originator directly to the trustee for the securitized trust. At this time, TMP ( acting as the foreclosure law firm ) attempts to collect a mortgage debt allegedly owed to XXXX XXXX Asset Backed Certificates Series XXXX ( the Securitization Trust ). However, the certification signed by the Secretary of State of the State of Delaware ( attached hereto ) demonstrates that there is no Declaration of Trust. Also the certification signed by the Secretary and the Acting Branch Chief of the U.S. Securities and Exchange Commission ( attached hereto ) demonstrates that there is no Pooling and Servicing Agreement, there is no Prospectus and no registration records on XXXX XXXX Asset Backed Certificates Series XXXX XXXX. The State of Delaware Certification and the SEC Certification proves that the trust was never created ; XXXX XXXX XXXX XXXX XXXXXXXX is not a trustee for any Certificate Holders because the Certificate Holders are not beneficiaries of any trust. TMP knows they are wrong, but continue efforts to collect a debt not owed ( to XXXX XXXX XXXX XXXX XXXXXXXX or any trust ) causing losses and embarrassment to me.
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| 10/05/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Tromberg , Morris & Poulin , PLLC ( hereinafter referred to as TMP ) is a law firm retained by XXXX XXXX, XXXX to pursue legal action against me the consumer, XXXX XXXX for a credit card debt in the amount of {$1100.00}, TMP has responded to the validation request ( attached ). I also found many violations. Pursuant to what law did you conduct this investigation under federal code? As the consumer and origins of this consumer credit transaction in discuss, you don't have the authority nor my consent to investigate.
Pursuant to what law did you conduct this investigation under federal code? As the consumer and origins of this consumer credit transaction in discuss, you don't have the authority nor my consent to investigate.
I sent a certified verification request and you and your client did not provide me with what congress defines as proof pursuant to 15 USC 1692g. Without providing me what was requested you are attempting to collect an alleged debt you didn't get consent nor authorization from me, the executor and administrator of the surname given.
Since you did NOT Provide me with what was requested by federal law, your claim of investigation of this matter is hearsay and you ( Tromberg Morris Poulin PLLC ) are in default of my affidavit of Truth and Cease and Desist.
You ( Tromberg Morris Poulin PLLC ) a third party debt Collector, is in multiple violations of the FDCPA. Your sue against me regarding this alleged debt obligation are in direct violation 15 USC 1692c ( 13 ) " False '' representation or implication that documents are legal process '' As you Tromberg Morris/ Povin , PLLC are also in violation of 15 USC 1692c ( 3 ) ''The false representation or implication that any individual is an attorney ''. I do NOT have any contract with you, nor did you have written consent from me, the CONSUMER, NATURAL PERSON. I am entitled to damages caused by Tromberg Morris Poulin PLLC. Multiple Violations of the rights pursuant to the FDCPA.
If you wish to continue this suit, pursuant to 15 USC 1692k ''Civil liability '' I will seek remedy for all damages incurred.
For resolution of this matter before court, My remedy pursuant to 15 USC 1692c ; 1 ) To advise the consumer that the debt collector 's further efforts are being terminated, 2 ) As I am the consumer and creditor I am notifying you of my rights to invoke specified remedies.
XXXX ) As I am the consumer and creditor I intend to invoke my specified remedies as follow : 1.Pay attached invoice ( if you are not going to stop this alleged debt ) 2.Send proof of audit trail 3.Remove all negative reporting from all consumer reporting agencies.
4. Proof in letter of completion. I take a vital role in my life and as I am the consumer in fact, and I look forward to the resolution of these matters in discussion.
I Demand response in written in 10 days.
Attached all the Documents, Affidavit of truth, Cease and Desist, Letter to a Third Party Collector, labeled violations, Invoice, etc.
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| 04/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TROMBERG MORRIS POULIN, PLLC and XXXX XXXX XXXX threaten to sue me for a fraudulent debt and threaten to take everything i own if i do not pay them for the alleged debt.
I contacted each compant and law firm asking them to do a proper investigation and they REFUSED.
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers bearing my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions.
This is not my debt this is a fraudulent account and it is not my account.
After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge.
If you can not produce such proof and continue to violate me after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my court 's venue. You will have to travel to defend yourself in that scenario.
Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required and NOT a computer printout.
Since this is my final request, I will also be sending a copy of this letter to the Attorney Generals Office, Federal Trade Commission, XXXX XXXX XXXX, and The Federal Deposit Insurance Corporation ( FDIC ) notifying them that I have signed receipts for letters sent to you and you have ignored and not complied with my request.
Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me.
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| 04/25/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This has been happening since i was a child, someone using my information. My parents filed for me and i filed id theft reports in XXXX, XXXX and XXXX you are requesting documents that were sent years ago to XXXX and XXXX Bank, XXXX XXXX XXXX and others here is the latest.
You are requesting documents that were sent years ago and before you acquired this case.
This letter serves as notice to you and your company to immediately cease and desist all contact and communication with me AGAIN regarding the collection of an alleged debt and all related matters. Unless you have absolute proof and not printouts of BILLS as proof.
a telephone call a letter an email numerous telephone calls and messages in one day numerous calls on the home, cell and work phone You claim that I owe debt. I do not owe this debt, and I dispute this claim. ) Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692, I demand that you and your company terminate all further contact with me including but not limited to communication via telephone, mail correspondence, electronic mail, or facsimile. Your actions to collect debt from me are : embarrassing - harassing - aggressive - deceitful - threatening causing emotional and physical duress causing undue stress.
If you continue to contact me other than to notify me that you are ending communication or that you are taking other legal action to collect the debt, I will be forced to take legal action against you for violation of the Fair Debt Collection Practices Act and will seek all available damages and remedies.
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| 10/01/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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To Whom It May Concern : I sent a letter to XXXX XXXX XXXX, receipt number : XXXX, XXXX to formally advise that I believe the company XXXX XXXX XXXX which Tromberg, Morris & Pouling PLLC is representing has violated several of my consumer rights. Specifically : They failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have they ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. The letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean they agree with me that this debt is false. I will use the Estoppel in my defense.
I expect to receive the proof requested above within 3 days of this complaint before Pre trial Conference on XX/XX/2021. Should they again ignore my request for validation of debt I reserve the right to sue XXXX XXXX XXXX company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Attached all the documents I sent to XXXX XXXX XXXX Kind regards,
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| 02/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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When I made the initial payment arrangement I did not receive a statement of the debt or a settlement letter/ payment schedule.
I received a letter XX/XX/XXXX stating the office was open again and could call to have questions answered and/or apply for Covid relief.
I attempted to obtain my amount owed over many months, my calls or messages were ignored. I was never told my debt balance after the office closed due to COVID-19 following my initial calls to request the information in XX/XX/XXXX.
I made a payment and continued to attempt to contact, I submitted yet another payment in XXXX, and still had not been contacted or was able to contact the office. On XX/XX/XXXX I called again and finally reached the office it was at this time they informed me they cancelled the agreement because the XXXX payment did not process their website ... The had not attempted to contact me in anyway, and I did not receive my monthly notice, with the payment information.
Bottom line, they refused to contact me and refused to inform me that the payment did not process before voiding the agreement. They refused to honor their statement of being available for questions or COVID relief.
It appears they were waiting for an excuse and for all I know their internet payment server was down when I made my payment! BUT THEY ABSOLUTELY REFUSED TO CONTACT ME, even after I reached them and they promised a call back within an hour they still didn't call to give me the requested information.
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| 10/07/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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IM A CONSUMER OF THE UNITED STATES AND TROMBERG MORRIS POULIN PLLC IS A DEBT COLLECTOR ATTEMTIMG TO COLLECT A DEBT WHICH FALLS UNDER THE FDCPA.
This collection company is trying to collect an alleged debt caused by identity theft, I have try to request for validation, ( Tromberg Morris Poulin PLLC or XXXX XXXX XXXX ) did NOT Provide me with what was requested by federal law, There claim of investigation of this matter is hearsay and you ( Tromberg Morris Poulin PLLC and XXXX XXXX ) are in DEFAULT of my affidavit of Truth and Cease and Desist. ( Please complete the full cease and desist requested information ) letter Attached.
You ( Tromberg Morris Poulin PLLC ) a third party debt Collector, is in multiple violations of the FDCPA. Your sue against me regarding this alleged debt obligation are in direct violation 15 USC 1692c ( 13 ) " False '' representation or implication that documents are legal process '' As you Tromberg Morris/ Povin , PLLC are also in violation of 15 USC 1692c ( 3 ) ''The false representation or implication that any individual is an attorney ''.
I will not stop til I get my remedy, Next complaint to the XXXX and the General Attorney
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| 09/07/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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XXXX XXXX and XXXX which is now known as Tromberg , Morris & Poulin , PLLC engages in predatory debt collection.
The law firm initiates motions in court which drags me to court. Upon arriving at the courthouse, the security officers are at times aggressive and engage in unnecessary search procedures just to make sure that individuals like me are not a threat.
After passing through the metal detectors and thoroughly being searched, the clerk and the attorney for the debt-collection agency work in tandem. For the past two instances that I have been in court, I was specifically profiled so that I was the last individual to be seen in the court conference room. This means that for the last two sessions in the civil court, I have waited at least three hours to be seen.
To make things worse, the clerk was disrespectful and the court sessions were exhaustive due to the numerous number of people who showed up at the last two sessions.
I have no idea what XXXX XXXX XXXX does but in this regard in conjunction with XXXX XXXX and XXXX, they create misery and havoc in consumers ' lives.
These practices must come to an end.
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| 03/28/2022 |
Yes |
- Debt collection
- Credit card debt
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- 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
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Web |
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I have lived outside of XXXX New Jersey for the last 5 years. I happened to receive a forwarded communication via mail at the end of XXXX. I contacted Tromberg , Morris & Poulin , PLLC as soon as I received the communication.
I spoke to one of their associates and they asked me to email proof of address to XXXX which I did right away. I followed up with a call in XX/XX/2022. The representative was not very informative or friendly but assured me that the file was being closed. I asked for a supervisor and he placed me on a one hour hold and nobody came to the line.
Upon checking the court records, the case has been defaulted and nobody is answering at this firm. I have reached out to them multiple times.
They have file a suit out of jurisdiction and confirmed to me on the initial and secondary contact that they were fixing this issue and closing the account back to the issue for out of state to the creditor. Again, this has not happened and it is impacting me.
Again, I do not live in the state of NJ and I have submitted proof.
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| 02/17/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have called the sheriff 's office handling the collection of the unknown debt for the law office of XXXX XXXX and XXXX that is also under Tromberg , Morris & Poulin , PLLC. I gave the reference number ( the only number associated ) for this matter, many hang ups on me from this office and still get nowhere. They claim that the reference number is not their matter number and " even if it was they want more identifying information '' from me. I have no idea what this debt is ( though the sheriff 's office says it's from XXXX ) and they are garnishing my wages for it since XXXX and was opened at the sheriff 's office in XXXX. This amount was originally {$6100.00} and is now at {$3500.00}. I have no idea what this is, I attempted to contact them and find out nearly a year ago, where they then were doing the same thing and hanging up on me. None of this is on my credit report or discoverable.
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| 03/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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Please help me. My employer informed me today that they received an EMAIL from an attorney 's office for a judgement creditor named XXXX XXXX, XXXX. In the letter, was my complete social security number that ( by way of that email ) went to several persons within my company.
I am completely embarrassed that this went to several persons in upper management and I feel that his has caused harm to my reputation. I did read about the XXXX XXXX XXXX XXXX and I feel that my rights have been violated. in that first ; they sent this to my employer, second ; they released my entire social security number to many individuals and third ; they have tarnished my reputation with a company that I have been employed with for 23 years.
I have attached the letter that was emailed to my employer, but I hid my SS #.
What recourse do I have?
Thank you, XXXX XXXX
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| 10/10/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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XXXX XXXX and XXXX which is now called Tromberg , Morris & Poulin , PLC engages in predatory debt collection. The company has a history of predatory behavior against consumers and continues to engage in this behavior to create misery and havoc in consumers ' lives.
The company has refused to remove a levy on my savings account despite the fact that concrete proof was sent to them indicating the funds are exempt from collection.
The federal agencies and state agency that are supposed to protect consumers can not get involved since this predatory behavior is protected by laws that are against consumers and individuals with credit card debt.
New legislation will probably be necessary to stop the predatory and unjust behavior by debt collection agencies such as XXXX XXXX XXXX and Tromberg, Morris and Poulin, PLC.
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| 11/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Received a letter from debt collection agency. They claimed that I did not show up to court and that they received a judgement. The letter does not state accurate information. This case adjourned because they did have proper proof that I owed this debt and that they did not properly serve me. When I called to inquire about the judgment, the person I spoke to stated that there was not judgement and that they just wanted to get paid. My local civil court states that there is no judgement on record with this company.
I asked them why would they send a fake legal notice if there was not judgement. I could not get a clear answer. It seems like the debt collection company is using deceitful tactics as a way to bully people to pay.
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| 09/17/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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On XX/XX/XXXX my XXXX XXXX XXXX account was hit with a levy, initiated by a law firm that has aggressively sought to collect a credit card debt. The company, Tromberg , Morris & Poulin and its customer service agents demanded a lump sum in order to release the levy on my XXXX XXXX XXXX XXXX The company had previously looked into my XXXX account in XXXX to place a garnishment on my earnings. It has predatory practices to collect credit card debt. XXXX reviews of this law firm depict a law firm with predatory practices.
My XXXXXXXX XXXX currently has a legal hold on a significant portion of the funds which are much larger than the actual amount of debt.
These predatory practices must end once and for all.
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| 09/27/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Tromberg, Morris, & Poulin PLLC sent me a letter to try to collect a debt that I owe " XXXX XXXX XXXX, XXXX '' on behalf of XXXX XXXX account number ending in XXXX. I do not have a credit card ending in this number with XXXXXXXX XXXX. I do not have any active accounts with XXXX XXXX I called XXXXXXXX XXXX and they confirmed this as well. Tromberg, Morris, & Poulin PLLC sent me a letter that " You are being Sued '' with a docket No. for the XXXX XXXX XXXX XXXX in New Jersey.
I called XXXX and also confirmed that this synchrony bank account does not exist.
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| 09/22/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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keep receiving mail fro, attorney office re debt from at least 9 or 10 yrs ago original debtor was XXXX XXXX XXXX for a XXXX XXXX XXXX that was repo and sold at auction. The creditor filed a claim in XXXX XXXX civil court and my salary was garnished. I went to court and had the interest vacated and the account was settled and removed from my credit report per the decision of the judge. This took place in XXXX when i started working for XXXX XXXX. i have repeatedly faxed the law office my response and the get more letters saying i have 30 days to respond.
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| 11/23/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I XXXX XXXX entered into an agreement with XXXX XXXX XXXX. I do not know who Tromberg Morris Poulin PLLC is. I never spoke to them or have never done any business with them. I do not know how they have my personal information. Tromberg morris poulin PLLC is trying to deceptively coerce me into making a payment on a " debt '' I do not owe. I have been harrased by them now and in the past. I will be making further separate complaints about the past incidents with them as well.
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| 12/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This account was settled in full on XX/XX/2021 and I received my discontinuance letter on XX/XX/2021 via email. I have reached out to both the law office and the credit unions to have this account removed from my credit report. They instead reported the account minus the amount I paid but in the letter it clearly states that they can not collect any further. This law office removed my last account when we went to court and I want the same thing done here.
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| 09/30/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX, I looked at my XXXX XXXX XXXX bank account and realized that on XX/XX/2023, I was charged to " Legal Order Fees, LTS ''. XXXX for {$120.00} and the other for {$3200.00}. When I asked my bank what this was, they gave the number of a law office in New York. I called and left a message, as well as emailed, but have not heard back. I have never been contacted by this law office and have no knowledge of any judgement or cases made against me.
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| 01/13/2021 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American, Servicemember |
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Tromberg , Morris & Poulin , PLLC I paid my matter # XXXX IN FULL last XXXX.
On XX/XX/XXXX they took an unauthorized {$100.00} from my bank account. I have contacted them every day for the last week to no avail. They stole my money and won't give it back. So, I had to spend {$35.00} and my time to go to the bank and stop payment.
I have
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| 01/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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I wasnt served a summons properly. I went to the courthouse and explained it to them because I didnt want to lose by default. Nothing happened with this court and I had not validated the debt. I was told I would be receiving something by email which I never did. I received a letter in the mail stating I was about to default.
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| 01/28/2024 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 12/27/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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| 12/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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| 07/31/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 07/25/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 07/18/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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| 01/06/2023 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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| 01/06/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 10/14/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Phone |
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| 08/31/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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| 08/05/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 06/20/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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| 01/21/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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| 11/04/2021 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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| 07/20/2021 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Phone |
Older American |
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| 07/14/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Phone |
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| 07/05/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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| 05/28/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 05/27/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Phone |
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| 03/07/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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| 02/25/2021 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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