Caine & Weiner Reviews (%countItem)
Caine & Weiner Rating
Address: 5805 Sepulveda Blvd Fl 4, Sherman Oaks, California, United States, 91411-2532
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This company is attempting to collect on a debt that they can not validate made pursuant to 15 USC 1692g Sec. 809 (b) of the FDCPA.
On January 21, 2020 I sent by Certified Mail (USPS Tracking #: ***) a Debt Validation Letter requesting the following information: CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following: Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for CAINE & WEINER COMPANY in case legal action becomes necessary. Your claim cannot and WILL NOT be considered if any portion of the above is not completed and returned with copies of ALL requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. This letter was delivered and signed for on January 23rd 2020. On January 23rd 2020 a letter was sent out from The Debt Collection Company in an attempt to collect the disputed debt, even though I informed them of the following in my certified letter: "At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus (Equifax, Experian, Trans Union), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following: Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately." Even though they have been told to cease any reporting and or attempts to collect they clearly think they are above the rules.
Caine & Weiner must provide all the validation documents as requested as described in 15 USC 1692g Sec. 809 (b) of the FDCPA. If they can not provide ALL of these documents they must cease collection and remove the unverified debt from all three credit bureaus.
Our office received the account from the creditor in October 2018 for recovery of unpaid auto insurance premiums. Initial correspondence was sent to the consumer at that time. Our records indicate that the creditor still shows the balance as due by the consumer. Our records also indicate documentation was sent to the consumer detailing the policy number, coverage dates and vehicle types in March 2019. The same information was mailed to the address listed in this complaint on 1/23/2020. As a courtesy our office will mail a copy of the final bill from the creditor to the consumer.
Our office can be reached at *** with any questions.
(The consumer indicated he/she DID NOT accept the response from the business.)
They have been asked to validate the debt that they are collecting on. That includes the following items:
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following:
Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
They have not been able to provide all of these items. Likewise they continue to attempt to collect and report during this time. This debt validation was received by the CA on 1/21/2020 it is now 3/5/20. They have passed the 30 day timeline to validate the debt. It must now be taken off the credit reports, and all attempts to collect MUST be stopped.
If they do you then they will be reported to the FTC and legal action will be taken against them for harassment etc.
Our office has provided the consumer with the appropriate documentation for this account as noted in our prior response.
The initial validation window expired 30 days after the original correspondence was mailed to the consumer in October 2018. Our records indicate that we spoke with the consumer in October 2018 at which time the consumer refused to address the debt with the same situation occurring again in January 2019.
The creditor still shows the balance as due by the consumer. We strongly encourage the consumer to contact us by phone at *** for additional assistance in resolving the account.
(The consumer indicated he/she DID NOT accept the response from the business.)
The debt collector did not validate the debt. They have not provided all items need to properly validate the debt and they never attempted to validate or give notice to validate when they say they originally reached out. Therefore they have violated federal law and consumer protections.
Please see our prior response. The creditor still shows the debt as valid.
The consumer is encouraged to contact the creditor directly if there are still questions regarding the details provided by our office that substantiated the debt. Records indicate that the consumer obtained the policy directly from the creditor so they may be able to address the consumer's concerns in more detail.
(The consumer indicated he/she DID NOT accept the response from the business.)
There is no proposed resolution by the business.
They have still failed in providing all of the necessary documentation as set out in 15 USC 1692g Sec. 809 (b) of the FDCPA:
Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
They continue to report and attempt to collect, even after the 30 day time limit. Which is against federal law.
An arrangement was made with caller. Pay per arrangement it wouldn't be reported to credit agencies. It was reported despite paying per arrangement.
I called them to find out what the issue was regarding. A payment arrangement was agreed to by both parties. In the arrangement they would automatically charge my bank account in 4 monthly payments and not report the collection to the credit agencies. They have charged my account per the agreement but Reported the collection to the credit agencies. They violated the agreement. I seek immediate removal from my credit reports
Remove from credit reports
Our office was assigned the account for recovery of unpaid auto insurance premiums in August 2019.
Our records do indicate that a payment plan was set up to pay the outstanding funds due to the creditor. We do not show any record of delaying credit reporting and that is not our policy.
The consumer is encouraged to contact our office at *** and ask to speak with a manager for any additional assistance.
(The consumer indicated he/she DID NOT accept the response from the business.)
As a stipulation of the repayment plan the representative agreed that they would not put the collections on my credit report if the payments were made as planned. This was on a recorded line therefore it should be able to be reproduced by the business. Upon further review of the recording, if said business does not remove the collections from my credit report further action will be pursued with the appropriate governing body(ies).
Our office has confirmed there were no discussions regarding credit reporting on the call.
The consumer is encouraged to contact our office at *** and ask to speak with a manager for further assistance.
(The consumer indicated he/she DID NOT accept the response from the business.)
The arrangement was made between myself and a female employee when we discussed the account. When I called back, they connected me with a male employee who said he made the arrangements. That is not true. It is my opinion that their business practices are such that they can claim deniability based on differing people discuss the account with you versus the same person. I do not recall ever talking to the individual who said he did the payment plan with me. I am 100% confident I talked with a female to set it up the payment arrangement with the understanding that it would not show up on my credit report(s).
Progressive Insurance sent my account to collections when it was canceled before the initial renewal date and also sent me a zero balance letter
California Auto Policy *** was cancelled with Progressive Insurance as of 03/14/2019 . However I was still charged and sent over to collections.
Remove off all credit report
Our office received the account from the creditor in September 2019 for recovery of unpaid auto insurance premiums.
Our office received information from the creditor in December 2019 to close the account.
The credit reporting agencies will be notified of the deleted account in the normal course of business operations.
Our office can be reached at *** with any additional questions.
Caine & Weiner is refusing to continue taking payments from me.
I have had a debt with Caine & Weiner for some time now. The earliest correspondence I have records of include 1 letter from April 10, 2017 and then 10 different letters dated May 26, 2017. It might be worth noting that this debt, along with $*** worth of other debts, accrued in my name from an abusive relationship. This particular debt is medical related to the abuse. The reason for the debt may not be directly relevant, except that I would like to note that I have been trying hard to pay off this total debt amount since I have left that relationshop, and intent to continue trying to do so.
I have been making payments towards the total amount, the total of which is currently beyond my means to pay immediately (they have recently told me the amount is a little over $***). I also admit that I have missed some payments due to the more pressuring matter of paying bills and buying groceries. If necessary, I can show proof of inconsistent job history due to disability, which has affected my income and ability to pay debts. That being said, I have been making $25 payments every month when able. This month I have called in to try to make December's payment. They refused to take the payment, saying that the amount is too low to pay over over the phone (all payments I have made have been on the phone). They told me they would not accept a payment for less than $700+. I then asked if they would send me an email or letter explaining that they have refused payment. They refused. I wish I had written down the names of the representatives I have been talking to the last few days, but I have not. One representative's name was ***, but I do not have her last name, nor do I have her manager's name.
The letters and phone calls I have received have included threats to sue. If I can't make a payment I can not prevent being sued.
I have several different account numbers for each medical debt that was sent to them:
I would like for them to be willing to continue receiving payments over the phone so that I may pay the remaining debt, or for the debt to be dropped.
Our records do indicate that the consumer currently owes the creditor in excess of $*** with respect to accounts assigned to our office for recovery efforts.
To date our records indicate that a total of $450 paid on the account since 2017. Our records indicate that there was a temporary agreement in early 2018 to accept small dollar payments but that currently no such agreement is in place. The consumer had offered a settlement that the creditor was unwilling to accept and we have recently informed the consumer that we can no longer accept small dollar payments based upon creditor parameters for payment time frames. We have offered the consumer payment arrangements that are acceptable to the creditor.
The consumer is encouraged to contact our office at *** and ask to speak with a manager for further assistance.
(The consumer indicated he/she DID NOT accept the response from the business.)
Some of the information in the reply was correct, and some was not. It should be noted that I have limited funds and am trying to pay off multiple debts from financial abuse and physical abuse resulting in hospitalization. I did offer a settlement to Caine&Weiner, which I was not surprised was declined. I then offered the same settlement to another debt I owe, and they accepted. I then tried to continue making payments to Caine&Weiner and they refused to accept. They never gave me a reason for not accepting payments anymore. I have already spoken with a manager on multiple occasions, but they were rude, did not answer questions I asked, and tried to hang up on me on multiple occasions. I can only surmise their reason was to make me flustered, and it worked. They never offered me any payment arrangements, except to make the payment in full. Which I am unable to do at this time. If they continue to refuse any payment from me then, as they have threatened many times, they can sue me. Which is why I asked for a letter explaining that payment was refused, as proof that I have been trying to continue making payments.
Complaint Response Date bumped because: Holiday
As noted in our prior response our office is currently unable to accept a $25 per month payment plan on a $*** account.
We encourage the consumer to contact our office to establish a payment plan that is reasonable based upon the total balance due.
(The consumer indicated he/she DID NOT accept the response from the business.)
They have admitted they are not willing to accept the only payment I am able to make at this time. They have admitted to refusing my money. Yet they are refusing to write a letter stating payment was refused. There is nothing else I can do to make a payment at this time.
They are encouraging me to contact a manager, yet when I have done so before filing the initial complaint the manager refused anything but payment in full. Thus, they are not willing to work with an individual without the means to pay the bill in full.
No solution has been reached. I am unsure how to proceed. I am unable to make a larger payment until some future time.
Lied to and tricked me
On 11/4/2019 you sent a letter to me in response to my dispute of your tradeline. You stated you were going to remove it. It was deleted but now it is back on me credit reports. What's going on here? Please fix this the way you stated you would and delete the tradeline from my credit reports.
Remove from credit reports as stated by your company
Our records indicate receiving the account from the creditor in August 2017 for recovery of unpaid auto insurance premiums. Our records indicate that the creditor still shows the balance as due by the consumer.
However our records also show that our account was closed as disputed in November 2019 and that the credit reporting agencies have been notified to delete the trade line.
We do not currently show any reporting of an amount due for this account.
The consumer may contact our office at *** with any questions.
(The consumer indicated he/she ACCEPTED the response from the business.)
CAINE WEINER,, Account#: ***, The basis for my dispute , *** was required to notify me prior to 01/22/2018, or no later than 30days after
CAINE WEINER, Date: January 22, 2018, Account#: ***, Amount: $338, Issue: Collection / Charge-Off failed to notify me about reporting derogatory info. to Equifax, Experian, and Transunion In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); "The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after 01/22/2018, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 (p),' 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC § 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.
Also,
CAINE WEINER, " failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA §809, which is $*** per violation and the state of SC allows treble damages.
Under § 809. Validations of date and Mini-Mirandi under Section 807(1)
CAINE WEINER, failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $*** and can be enforced by the FTC, and that my state attorney general can also enforce this with a $*** penalty as well.
I attached a copy of the law and the actual document from the federal reserve
CAINE WEINER, is held liable as well for defamation and in the state of SC a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693(Tex.App-San Antonio 1989 reh.den.) citing
I will if the account is not taken back and removed from any and all credit bureau reports, I will turn this over to Gary N. FDCPA and FCRA national Attorney to look and take over this complaint. Therefore, provide me documentation of notification (i.e. a copy of the notification sent), and proof that it was delivered to me in a timely manner (i.e. a dated certified mail delivery confirmation with my signature).. 30 days before or 30 days after 01/22/2018the date derogatory reporting was started with the bureaus as you have listed or DELETE the reporting .A "strong presumption" of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt. Santana Gonzalez v. Att'y ***, 506 F.3d 274, 279 (3d Cir. XXXX) (emphasis added). A "weaker presumption" arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. Even it's been transferred CAIN & WEINER, ***, President is still responsible for reporting under the FCRA I appreciate your help regarding this and look forward to an amicable resolution.
Our office received the account from the creditor Progressive Insurance in January 2018 for recovery of unpaid auto insurance premiums. Our records indicate that initial correspondence was mailed to the consumer at that time. Our records also indicate that the creditor still shows the balance as due by the consumer. Additionally the consumer disputed the debt with one or more of the credit reporting agencies in October 2018 and February 2019. On both occasions our office mailed the consumer correspondence detailing the policy number, coverage dates and vehicle types specific to this account. The credit reporting agencies have been notified of the disputed status.
To date our records do not show receiving any correspondence directly from the consumer.
The consumer is encouraged to contact our office via phone at *** for additional assistance in resolving the amount due with the creditor.
Violation of the FCRA
I pulled my credit reports from Equifax, Transunion and Experian and noticed I was placed in collection with this company. It is against the FCRA first not to notify someone of this debt giving them ample time to dispute the account under the FCRA. I never received a letter form them notifying me of this account and they placed a collection on my report.
I would like them to remove the collection from my reports immediately because its in violation of the FCRA and supply me with documentation validating the debt. It is my right under the FCRA to receive debt validation and ample time to dispute prior to placing account on credit reports. Validation of the debt is NOT name, address etc, but a signed document with my signature and contract.
Our office received the account from the creditor in July 2019 for recovery of unpaid auto insurance premiums. Initial correspondence was mailed to the consumer to the address listed in the complaint at that time. Our records also indicate that the creditor still shows the balance as due by the consumer.
Additional correspondence was sent to the consumer in September 2019. Our records do not indicate receiving any written correspondence directly from the consumer.
As a courtesy our office will mail the consumer correspondence with details regarding the policy number, coverage dates and vehicle types specific to the account assigned to our office.
The consumer is encouraged to contact our office at XXX XXX-XXXX for further assistance.
(The consumer indicated he/she DID NOT accept the response from the business.)
This company failed to flow the FCRA. In addition to sending the validation of debt which must show my signature they need to remove the collection from my credit reports. This account is in dispute and legal action will be taken if they dont follow the FCRA.
Our office has notified the credit reporting agencies of the disputed status of the account. Our office has also as noted previously provided the consumer with written documentation of the details of the current amount due as determined by the creditor and to date has received no correspondence from the consumer. There is no current requirement to remove the item from the data submitted to the credit reporting agencies.
We encourage the consumer to contact us via phone at XXX XXX-XXXX for additional assitance
(The consumer indicated he/she DID NOT accept the response from the business.)
I am asking the creditor to provide written documentation validating the debt. They have failed to provide this documentation, therefore they are in violation of the FCRA. Proper agencies will be notified.
Caine & Weiner keep billing me regarding Progressive Insurance. I reached out to progressive.
Caine & Weiner keep billing me regarding Progressive Insurance. I reached out to progressive regarding this matter. They asked for a copy of my declaration page from the new company I switched to. The debt is no longer in their system but Caine & Weiner keeps billing me and refuses to update or validate the information.
I'd like this account from Caine & Weiner removed from all 3 of my credit reports.
Our office received the account from the creditor in June 2016 for recovery of unpaid auto insurance premiums.
To date our file indicates that the creditor still shows the balance as due by the consumer. In response to the consumer's dispute filed with one or more of the credit reporting agencies in May and June 2019 our office mailed the consumer details regarding the vehicle type, policy number and coverage dates.
We encourage the consumer to contact our office at*** for additional assistance and to provide our office with any documentation the consumer would like us to review.
Fair Credit Reporting Act Violation
Caine & Weiner have placed an account on my credit report for collections without any attempt to contact me for validation of debt. On October 13th of 2019 I was notified via Transunion that I have a new collections account on my credit report. I have never been contacted by anyone from this company regarding this account. FCRA states that consumers should have a 30 day notice to dispute debt before reporting to credit agencies.
Resolution is for this collections account to be removed from my credit reports.
Our office received the account from the creditor in July 2019 for recovery of unpaid auto insurance premiums. Our records indicate that correspondence was mailed to the consumer at that time to the address listed in this complaint. We have no record of any mail return. Our system shows additional correspondence sent to the consumer in August 2019. We have been unable to reach the consumer by phone and there has been no response to a voice message.Our records indicate that the creditor still shows the balance as due by the consumer. We encourage the consumer to contact our main office at XXX XXX-XXXX for additional assistance and for any questions regarding the assigned account.
They are trying to bill me for some insurance policy that has nothing to do with me. I am disabled unable to drive
I didn't know anything about this insurance policy whatsoever
Please remove it from my credit report
Our office received the account from the creditor in January 2019 for recovery of unpaid auto insurance premiums. We have been unable to reach the consumer by phone.Our records indicate that the creditor still shows the balance as due by the consumer.In response to this complaint our office is mailing the consumer correspondence detailing the policy number, coverage dates and vehicle types specific to this debt for the consumer's review. We have updated the phone number information for the consumer.Our account has been placed in dispute status to be temporarily removed from any credit reporting while an investigation is opened. We encourage the consumer to contact us by phone at XXX XXX-XXXX so that we can provide additional information regarding the insurance agency specific to this account and further assist the consumer in resolving the dispute.
(The consumer indicated he/she ACCEPTED the response from the business.)
PROGRESSIVE INSURANCE sent my file to Caine & Weiner Company Inc for an unpaid insurance payment
Progressive Ins. sent my file to Caine & Weiner Company Inc for an unpaid premium. But I had switched insurance company, proving to progressive that there was no lapse. My last payment with Progressive was scheduled in Dec of 2018. I also sent Progressive. The declaration page of my new policy proving that I was covered for the last month with Progressive before my policy had expired.
They need to remove this from my credit report as soon as possible if I sent the required documents to Progressive. Dec of 2018 is when Progressive policy ended, where going into 2020 in three months. This is hindering my credit score, not to mention it's false.
Our office received the account from the creditor in January 2019. Our records do indicate that the creditor informed our office of a $45.99 reduction in the amount due in May 2019 but that per their records a $252.80 balance remains due by the consumer.In September 2019 our office mailed the consumer additional details regarding the policy number, vehicle types and coverage dates specific to this account. We encourage the consumer to contact our office at *** with any additional questions or for further assistance.
& WEINER
PO BOX XXXXX
SHERMAN OAKS, CA XXXXX
On behalf of Progressive Insurance, *** & WEINER filed a report to the credit bureau about insurance coverage that I requested a cancellation, to which Progressive claims they did receive. I sent an email and a text to Progressive, but they apparently decided not to cancel my policy.
company calls constantly trying to collect a debt from someone I do not know. Told them 3 times they have bad information
The calls started several months ago. Every day I'd come home to a message from *** looking for *** I finally got tired of it and called them. I explained they had the wrong number. I gave them my full name and address. They already had the phone number. I asked them to check all of that info to see that I have no connection to that individual. They thanked me and said they'd remove my number. The calls would stop for a while and then start again. The last call was received on 8/20/19. I called them back today, 8/21/19. I spoke with *** I asked him to listen very carefully to everything I was about to tell him. I gave him my full name, told him I work for the courts in ***, gave him my address and told him the phone number he has isn't kurt sauer's. All he was interested in were the names of the people I supposedly spoke to in the past and and said was he was going to hang up if I "continued that line of conversation". The line of conversation he objected to was being given all of my pertinent information and being told to perform some due diligence and check the information that was given. I told him I wanted the calls to stop. But, all he did was hang up on me.
I want the calls to simply stop. I want them to understand they have bad information.
We are unable to locate the account searching by both phone numbers provided. Those phone numbers do not appear to be active in our system at this time.
Our main office can be reached at *** with any questions.
(The consumer indicated he/she DID NOT accept the response from the business.)
Because *** called me again yesterday. I now have legal representation and will no longer be communicating with them or thru your company. Thank you.
I am placing a complaint against Caine & Weiner for reporting a fraudulent collection on my credit report from Progressive Insurance for $669. I have never received any documentation from progressive insurance or Caine and Weiner in regards to this matter. According to FDCPA I was entitled to correspondence,proof, and opportunity to clear up any dept that a company claims I owe whether 1st, 2nd,or 3rd party. I do not owe Caine and Weiner nor do I owe Progressive Insurance any monies. This company is trying to take people's money and using Progressive Insurance as the original creditors unless Progressive Insurance is in on the scam. I am requesting a written documentation from the original creditor,full itemized summary of this fraudulent account along with dates, and any attempted contact in regards to this alleged debt. This is debt collection fraud and abuse and needs to be removed from my credit history immediately.
Account_Number: No Account informati
Correction to a credit report PERMANENTLY AND IMMEDIATELY REMOVED FROM MY CREDIT HISTORY
Our office received the account from the creditor in March 2017 for recovery of unpaid auto insurance premiums. Initial correspondence was sent to the consumer at that time. Our records indicate that the creditor still shows the balance as due by the consumer.
Our records do not show receiving any written correspondence from the consumer. We were unable to reach the consumer by phone.
As a courtesy to the consumer our office is mailing correspondence to the consumer detailing the policy number, vehicle types and coverage dates specific to this account.
The consumer is encouraged to contact our office via phone at *** for additional assistance.
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not owe Caine&Weiner or Progressive Insurance for unpaid auto insurance therefore I do not accept the response from the business.
As noted previously the creditor still shows the balance as due by the consumer. Per our current system information the credit reporting is accurate.
We encourage the consumer to contact our office via phone at *** for further assistance.
Payment not removed from Credit Reports
I have paid a bill that this collector had through a business (Progressive Insurance). It was paid in Full for the amount of 106.55 on 7/31/19
***
*** to Progressive Insurance direct, not to this collector.
They were supposed to take this off of all my credit reports by the end of business on 8/2/19 according to Progressive and it is still not done.
REMOVE THIS FROM ALL OF THE CREDIT REPORTS
Our office received the account from the creditor in October 2017 for recovery of unpaid auto insurance premiums. Our records do not reflect receiving any written correspondence from the consumer.
Our records note that the consumer disputed the balance with one or more of the credit reporting agencies in January 2019. At that time our office mailed the consumer additional correspondence detailing the policy number, vehicle type and coverage dates specific to the assigned debt.
Our records also reflect being notified by the creditor on 8/1/19 that the account had been paid in full. Our file is closed. Our system will provide the appropriate updated data to the credit reporting agencies in the normal course of business this month.
Our office can be reached at ***-*** with any questions.
(The consumer indicated he/she ACCEPTED the response from the business.)
Remove it asap and we are even
Extremely rude, I called to dispute a debt from a liability collision that I am not at fault for. As soon as I tried to explain to the Customer Service Rep, why this was not a valid debt I was transferred to the manager because she "was not going there with me". The manager impatiently asked me to explain the situation, and interrupted my explanation to explain why I was liable. When I asked if they had a signed agreement on file, he stated that he would obtain a copy and proceeded to rush me off the phone. He actually hung up before I could ask for a timeline for when a copy of the contract would be forwarded for my review.
CAINE & WEINER,***,Account #*** The basis for my dispute - was required to notify me prior to , or no later than 30 days after reporting
CAINE & WEINER,***, PresidentAccount #*** The basis for my dispute - was required to notify me prior to Jan 30, 2019, or no later than 30 days after reporting
CAINE & WEINER,***, PresidentAccount #*** failed to notify me about reporting derogatory info. to Equifax, Experian, and Transunion In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); "The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after , furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p),' 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC § 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, CAINE & WEINER,***, PresidentAccount #*** " failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section XXX(XX) & FDCPA §809, which is $*** per violation and the state of South Carolina allows treble damages.
Under § 809. Validations of date and Mini-Mirandi under Section 807(1) CAINE & WEINER,***, PresidentAccount #*** failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $*** and can be enforced by the FTC, and that my state attorney general can also enforce this with a $*** penalty as well.
I attached a copy of the law and the actual document from the federal reserve
CAINE & WEINER,***, PresidentAccount #*** is held liable as well for defamation and in the state of South Carolina a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693(Tex.App-San Antonio 1989 reh.den.) citing Monroe v. Frank 936 S.W.2d 654(Tex.App-Dallas 1996 writ dism'd w.o.j.)
I will if the account is not taken back and removed from any and all credit bureau reports, I will turn this over to Gary N. FDCPA and FCRA national Attorney to look and take over this complaint. Therefore, provide me documentation of notification (i.e. a copy of the notification sent), and proof that it was delivered to me in a timely manner (i.e. a dated certified mail delivery confirmation with my signature).. 30 days before or 30 days after the date derogatory reporting was started with the bureaus as you have listed or DELETE the reporting .A "strong presumption" of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt. Santana Gonzalez v. Att'y Gen., 506 F.3d 274, 279 (3d Cir. 2007) (emphasis added). A "weaker presumption" arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. Even it's been transferred CAINE & WEINER,***, PresidentAccount *** is still responsible for reporting under the FCRA I appreciate your help regarding this and look forward to an amicable resolution.
Our office received the account from the creditor in January 2019 for recovery of unpaid auto insurance premiums. Initial correspondence was mailed to the consumer at that time to the address listed in this complaint.
Our records indicate that we spoke with the consumer at which time the consumer disputed the debt but provided no documentation as to any details. Our records were updated accordingly. We do not show receiving any written correspondence directly from the consumer. Our records indicate that the creditor still shows the balance as due by the consumer. As a courtesy our office is mailing additional documentation to the consumer for review with details regarding the vehicle types, policy number and coverage dates.
The consumer is encouraged to contact our office at XXX XXX-XXXX for additional assistance.
Caine & Weiner Co. added collection to my credit reports without my knowledge.
Caine & Weiner Co. added collection to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever. C&W put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me.
Caine & Weiner Co. failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. In addition to the acknowledgement of this violation, I am requesting that C&W verify the following information: 1. Full original account number 2. Date original account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of first delinquency 6. Dates and times of any phone calls made and to what phone number in an attempt to contact me concerning the alleged debt before it was reported to CRA, and so proving that these calls were made within the times governed by the FDCPA law. If Caine & Weiner Co. is unable to provide proof that I received written notice before the item was reported and/or are unable to provide the above identifying account information, this account must be deleted from all CRAs.
Our office received the account from the creditor in October 2016 for recovery of unpaid rental fees. Initial correspondence was mailed to the consumer to the address listed in this complaint at that time. Additionally our records indicate that our office spoke with the consumer in January 2017 at which time the consumer was unable to discuss the assigned account.
Our records indicate that the consumer has also recently disputed the account with one or more of the credit reporting agencies. The credit reporting agencies will be notified accordingly of the dispute. As a result of that investigation our office is mailing additional information to the consumer with details of the amount due for the consumer's review.
The consumer is encouraged to contact our main office at XXX XXX-XXXX for additional assistance.
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response from the business until each and every piece of information I have requested from the business has been mailed to me in validation of the alleged debt.
As noted previously our office has mailed the documentation to the consumer for review. The creditor still shows the amount due by the consumer. As per the consumer's request our file is coded as do not call.
Our office will review any documentation provided by the consumer in response to the recently sent materials.
Our office can be reached at *** with any additional questions.
Caine & Weiner Company was been notified of false information being reported on my personal credit report on 2 different occasions.
On 4/2019 Caine and Winer Comany reported a collection account for Progressive Insurance $119. balance. This payment was made directly to Progressive. Paid in full and on time. I notified the company by phone and by mail on 2 different occasions however as of today 6/11/2019 they are still reporting this account. I will report this as fraudulent if they do not remove it by 5/26/19
This account must be deleted from my account. I have notified the credit bureaus and forwarded a copy of my canceled check to Equifax to block this account. This is false information I will also make a report to cfpb
Our office received the account from the creditor in January 2019 for recovery of unpaid auto insurance premiums. Initial correspondence was mailed to the consumer at that time. Our records show that we were unable to reach the consumer by phone. Our records also indicate that we were notified by the creditor in April 2019 that the balance had been paid in full and our file was updated accordingly.
Our records also indicate a notification being sent to the credit reporting agencies to delete the record through the online EOscar investigation process.
The consumer is encouraged to contact our office at XXX XXX-XXXX with any additional questions.
While checking my credit report, I saw my only derrogatory was with Caine & Weiner. I owe no debt and need this removed from all credit bureaus.
Caine & Weiner has me in collections for a $146 debt from Progressive Insurance. I noticed original creditor is Progresive. I have been w/ Progressive for over five years and never a problem. I called Progressive and they stated it was a mistake and they would have Caine & Weiner remove. I called Caine & Weiner a few days later and they stated that yes, they would be correcting this and removing it from all credit bureaus, yet it still remains. I am military and work hard to keep my credit good so to have this reporting inaccurately is something I do not need. I need this removed just as all parties have said they would.
Immediate removal of this debt and collection from all credit bureaus.
Our office received the account from the creditor in January 2019.
Our records do indicate that the creditor notified our office in May 2019 of a balance adjustment. Our records currently indicate $0 due as a result of an audit revision. The credit reporting agencies will be notified of the balance removal in the normal course of business operations.
Our office can be reached at *** with any questions.
(The consumer indicated he/she DID NOT accept the response from the business.)
BBalance removal or full removal? This account never had a balance so just ensuring it gets fully removed as we were told and not showing a collection with 0 balance. Collections should not sshow up at all.
Thanks.
Our office can be reached at *** with any questions.
(The consumer indicated he/she DID NOT accept the response from the business.)
When is this scheduled to be removed? I am US Army and renewing my security clearance and this has been on my reports still for awhile. I need it off as soon as possible. Credit bureaus notified me they remove as soon as they get a request so not sure why such a delay. This may delay my clearance renewal and I need this in my occupation/career. Can you please expedite this removal? Thank you.