Review: put 2 money holds On my Savings Account for 2 different amounts in the same year without even notifying me. They also refuse to negotiate a settlement. The total debt from over 8 years ago is 1445.00 and they are holding over 5000.00Desired Settlement: Eltman, Eltman & Cooper has placed 2 Holds on My Savings Account for the same Debt. Both amounts are different and my total debit is 1,000 lower then what they are charging. This is a debt from well over 10 years and is no longer valid. They have made no attempts to settle. They are running my credit over and over and without making any attempt to settle the debt.
Business
Response:
Please accept this as the firm's response to this complaint. Since this complaint was filed, the consumer and his wife have been in contact with this office and the consumer has withdrawn his prior dispute on the two accounts in question. A copy of the withdrawal letter is attached hereto.The parties engaged in negotiations and we are glad to report that a settlement of both accounts has been reached and a conditional release of the bank restraint has been forwarded to the consumer's bank. It is our understanding that this matter has therefore been resolved.Should any further information be required, please let us know.Thank you for allowing us to respond.Eltman, Eltman & Cooper, P.C.
Review: I pay with a cashier check my debt with a very higher interest 04-**-2013 at this point is still on my credit report as well public records,(Miami-Dade Cnty Reg Miami) if they no rellly want to do nothing please I want my money back,the way they talk to with customer always says a bunch of liars,and email me fonies copyDesired Settlement: My money back
Business
Response:
Dear Sir or Madam:
Please allow this correspondence to serve as a response to the above referenced complaint.
Our client on the above matter is LVNV Funding, LLC, the current creditor on this account and the plaintiff on the judgment that was entered against [redacted] on 6/**/09.
We have reviewed our file and note that it reflects that this account has been settled in full and our office has closed and returned the account to our client as such.
Our records further show the following course of events:
• On 5/*/13 our office sent a settled in full confirmation letter to [redacted], a copy of which is attached, confirming that his account was settled in full and stating that that our office was in the process of obtaining a Satisfaction of Judgment ("SOJ") for this account (See Ex. 1).
• We prepared and obtained from our client an SOJ that was signed on 5/**/13 which we then mailed to the court clerk for filing (See Ex. 2).
• [redacted] called our Document Department on 7/**/13 to inquire about the status of the SOJ document that our office had prepared and sent out, at which time one of our Document Dept. staff emailed a copy of the submitted SOJ (Ex. 2) to [redacted].
• [redacted] called our office again on 7/**/13 stating that the court had yet to file the SOJ. Our staff member looked up the account and explained that the court had returned the SOJ we sent to them for filing as rejected and advised [redacted] that we were addressing the rejection issue and re-submitting the SOJ for filing via FedEx that same day (See Ex. 3).
• On or about 8/ */13 our office received back the filed stamped SOJ from the clerk with a stamped date of 7/**/13 (See Ex. 4).
• In the process of following up with the court regarding the SOJ filing, we were informed by the court clerk that Florida courts are no longer accepting SOJ documents in paper format, which had previously been the accepted fonna.t for recording, but rather now they require SOJs to be filed electronically through their new e-filing system. As such, on 7/**/13 our office also submitted the SOJ electronically through the Miami-Dade County e-filing system (See Ex. 5).
• On 7/**/ 13 the Miami-Dade Clerk of Court recorded the SOJ under Book # 28749, Page # 645 (See Ex. 6).
In sum, our firm has properly closed and returned this account to our client as well as properly filed and recorded a satisfaction of judgment with the clerk on behalf of our client.
[redacted] states in his complaint that something is appearing on his credit report.
However, our office does not report data of any kind to the credit bureaus, either account information or judgment information. If there is any judgment information appearing on [redacted]'s credit report, it was likely picked up by the bureaus themselves when they search public records for judgment information. [redacted] can forward a copy of the SOJ to the credit bureaus and ask that they remove from his reports any judgment information they may have entered onto it as the judgment has been satisfied.
Should you have any questions or concerns, please do not hesitate to contact me.
Review: This company failed to deliver me any notice of a lien on my credit. I have yet to receive any notification from them as to me owing any funds. They froze my bank account and then when I tried to reach them, all of the representatives either hung up on me, refused to help me, transferred me or just placed me on hold eternally. I did speak with one of the their so called attorneys [redacted] Bar Card Number: [redacted]. Who acknowledged the severity of my concern but then failed to ever call me back, refused to give me her direct number, and never took my calls. This company is horrible. How can they be allowed to draft 8k from my bank account and not be around for any sort of explanation.Desired Settlement: These guys are just horrible humans. They are heartless. I would appreciate a refund of my time and money and an apology and that they go out of business. But a refund of all my bank fees would suffice.
Business
Response:
Dear Sir or Madam: Please accept this as our firm’s response to the above-referenced complaint. We have reviewed our file and note that it reflects the following: Suit was filed against the consumer [redacted] on this account in the matter entitled [redacted], under Case No. [redacted] in the County Court at Law [redacted], in the County of Denton and State of Texas. Judgment was subsequently entered against [redacted] on June **, 2007 in the amount of $5,498.55. A copy of the Judgment is attached hereto. We were not the firm that filed suit or obtained judgment in this matter. This matter was placed with our office for collection and/or enforcement as a judgment account on or about November **, 2014, some seven plus years after judgment was entered. As per our client’s records, no post-judgment payments were made on the account prior to its placement with our firm. On or about November **, 2014 our office sent a letter to [redacted] at her then address of record. This letter contained the validation notice language as required by the FDCPA. No response or dispute was ever received from [redacted] in response to that notice, nor was that notice ever returned to our office due to a bad address or for any other reason. We had not received any correspondence from [redacted] regarding this matter prior to April *, 20215 when she first called our offices. Prior to taking any action on the judgment, we validated the judgment's existence and good status. We then proceeded with legal collection efforts on behalf of our client. In an effort to enforce the judgment, we confirmed [redacted]'s banking institution and began proceedings for a bank garnishment to attempt to collect on the judgment on behalf of our client. [redacted] contacted our office on April *, 2015 upon learning of the restraint on her bank account. [redacted] did not dispute the debt but rather expressed displeasure with her account being restrained and asking that it be released. An attorney with our office, [redacted], explained what was occurring with the account and that the funds could not be released as we were awaiting confirmation from the bank of the amount of funds being held so that we could attempt to resolve the matter. We informed [redacted] that we would have a proposed settlement arrangement for her on April *, 2015 (the next working day as the ** office was closed on Good Friday April *, 2015). [redacted] had our office number so she could call us back. As promised, [redacted] called [redacted] back on April [redacted] and left a message for a return call. When [redacted] returned the call later that day, one of our Account Representatives, [redacted], provided her with a settlement proposal. Our system does not show any record of any calls being disconnected by our office as claimed in the complaint, or that our staff was unwilling to speak to [redacted]. On the contrary, our records show that [redacted] inadvertently disconnected a call with [redacted] on April [redacted] and had to call us back afterwards. Our records show that any calls that came in from [redacted] were either transferred to the TX law office or to an appropriate Account Representative in our NY office. Our office spoke with [redacted] about the account on both April * and April *, 2015. The last conversation ended on a positive note, with [redacted] thanking our representative and promising to get back to us with a response to our settlement proposal by April **, 2015. Our office received no further response from [redacted] until the receipt of this complaint. We confirmed with the bank’s attorney that there was only a little more than $600.00 on deposit in [redacted]’s account. Due to the low balance, our office voluntarily nonsuited (dismissed) the garnishment. Since we nonsuited the garnishment, our client has received no money from the garnishment action. We are unsure of where the $8,000.00 amount that [redacted] states in her complaint came from, and can only speculate based on our limited knowledge of [redacted]’s procedures, that this amount might be in reference to the way [redacted] places their accounts on hold and how the hold appears on their account holder’s bank statements. We do not have any knowledge of what bank fees were incurred by [redacted] as a result of our client’s garnishment. Any such fees would have been charged by [redacted]’s bank directly, likely as part of any account terms with her bank. We maintain that this judgment account has been executed upon in a proper and legal manner based upon the information that was available to us, and that our firm acted properly in this matter. The bank garnishment was permissible under the law, and our client’s judgment remains in effect. Thank you for the opportunity to respond. Very truly yours, [redacted] Please note that our firm name has recently changed from “Eltman, Eltman & Cooper, P.C.” to “Eltman Law, P.C.”. Thank you. [redacted]
Review: I received communication from this company dated 4/**/2015 as well as a certified receipt in my mailbox. The letter indicated that they are going to have my paycheck garnished due to a [redacted]'s balance. I spoke to representative [redacted] @ ###-###-#### who advised me that he could not tell me where this balance of $2,310.31 came from. I asked [redacted] did he have proof of the contract that I signed as I explained that I only had a free 30 day trial period with [redacted]'s. I explained that I was going to dispute this, & until they could provide proof of an existing contract I was not paying this.Desired Settlement: I would like a signed copy of the [redacted];s contract that theyre indicating that I owe.
Business
Response:
[redacted] Dear Sir or Madam:Please accept this as our firm’s response to this complaint. We have reviewed our fileand note that it reflects the following:Suit was filed against the consumer [redacted] on this account in the matterentitled [redacted] v. [redacted], under Docket No. [redacted] in the Superior Courtof New Jersey, Law Division, Special Civil Part in the County of Essex.Judgment was subsequently entered against [redacted] on December *, 2006 in theamount of $2,155.08. We were not the firm that filed suit or obtained judgmentin this matter. The judgment was later sold and assigned to our client, [redacted], on or about November **, 2008. The judgment was then docketed inthe Superior Court of New Jersey, Civil Division on January **, 2009 underJudgment N[redacted] remains the current assignee andowner of the judgment. This matter was placed with our office for collection and/or enforcement as ajudgment account on or about January **, 2015, some eight plus years afterjudgment was entered. As per our client’s records, no post-judgment payments weremade on the account prior to its placement with our firm, and none have beenmade since. On or about April **, 2015 our office sent a letter to [redacted] at her currentaddress. This letter contained the validation notice language as required bythe FDCPA. Prior to taking any action on the judgment, we validated thejudgment's existence and good status. We then proceeded with legal collectionefforts on behalf of our client. In an effort to enforce the judgment, weconfirmed [redacted]’s place of employment and began proceedings for a wagegarnishment to attempt to collect on the judgment on behalf of our client. [redacted] called our office on May **, 2015 todispute the debt and request validation. The account representative that spoketo [redacted] provided information regarding the judgment entered in thismatter and indicated in our system that the account was disputed and that proofof the debt was requested. The account was placed on hold in our system and nofurther action was taken on the account since receipt of the dispute. On May**, 2015, our office mailed a written response to [redacted], providing proofof the judgment entered in this matter. Our office then received notice of this Revdex.com complaint.We reached out to our client to request that they provide any additionaldocumentation they may have in this matter, and have received none to date. Then,on or about June *, 2015, our office received a written notice from [redacted]again disputing the validity of the debt and asking for supportingdocumentation, including the original application and any signatures and billsassociated with the account. The letter also requested that the consumer not becontacted again. No further contact has been made with [redacted] since.We maintain that this judgment account has been collected upon in a proper andlegal manner based upon the information made available to us, and that our firmacted properly in this matter and within the law. Validation of the debt (i.e., proof of the judgment) waspreviously provided in writing in our May **, 2015 response to the consumer’sverbal dispute. Our client’s judgment remains unpaid and in effect.Thank you for the opportunity to respond. Very truly yours, Eltman Law, P.C.
Review: I have never heard anything about this company or received any documentation from them, then all of a sudden there is a freeze on my bank accounts, I had to find out through a different source how to even find out who put the freeze on and especially confused that there was no paperwork or notification to try and work things out, I also have been through my credit report and this company or the company they are doing this for are not even on my report nor is the amount they have listed.Desired Settlement: I would like to have some outcome of who I am dealing with, why they put a freeze on my account (also release the freeze on my account) and come to some kind of agreement or have the complete ordeal done with and never be bothered again. I would also like all communications done through emails, phone calls allow each side to say one thing and next phone call say something different now it will be in writing and neither side can say I didn't say that.
Business
Response:
Dear Sir or Madam:Please accept this as our firm's response to this complaint. We have reviewedour file and note that it reflects the following:Please be advised that our client in this matter is [redacted]. Ourclient placed this account with our office for collection and/or enforcementafter a judgment had previously been entered against the consumer. A copy ofthe judgment is attached to this response. Our firm was not the firm that filedsuit or obtained judgment in this matter, but we have since filed a notice ofappearance with the court as attorneys for our client, the judgment creditor. As per our client’s records, no post-judgment payments were made on the accountprior to its placement with our offices. Nor have any payments been made to ouroffices since we received this account for collection. On or about March *, 2015 our office sent a letter to [redacted] at his currentaddress of [redacted]. A copy of the letter is attachedto this response. This letter contained validation notice language as requiredby the FDCPA. No response or dispute was ever received from [redacted] inresponse to that notice, nor was that notice ever returned to our office due toa bad address or for any other reason. We had not received any communicationfrom [redacted] regarding this matter prior to this complaint. As such, ouroffice proceeded with efforts to collect this judgment account. Prior to taking any action on the judgment, our firm validated the judgment'sexistence and good status. We then proceeded with legal collection efforts onbehalf of our client. In an effort to enforce the judgment, we confirmed [redacted]'s banking institution and began proceedings for a bank garnishment toattempt to collect on the judgment on behalf of our client. A Praecipe for Writof Execution was filed with the court, a copy of which is attached to thisresponse. The court subsequently issued a Writ of Execution to the Sheriff ofMontgomery County, PA for service. This resulted in [redacted]’s bank accountbeing “frozen”. Upon receiving this complaint, our office reached out to [redacted] viaemail, as requested. Our office is currently engaging in settlement discussionswith [redacted] in an attempt to resolve this judgment. We maintain that our firm has acted in a legal and proper manner inthis matter.Thank you for the opportunity to respond. Very truly yours,Eltman, Eltman & Cooper, P.C.
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
While the gentleman I have been emailing back and forth have communicated about the notices sent out, like it was stated to them I never received it, I can not help maybe someone on my block received it and threw it out, but like I had told this gentleman, "i have never seen any paperwork from their company and was calling the other lawyers office to find out who held this paperwork, why wasn't any paperwork sent certified, that way there was no he never received it? I did not know any information until I called the bamk to find out who froze the account(on may [redacted]) then on the ** of may I did receive a copy of the writ in the mail, from Eltman and also my bank. so as far as I am concerned there was no communication because there was no notification made, there are emails between myself and Eltman, expressing the same arguments / disagreements. Eltman and I are still communicating through emails but at their earliest convieniences.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
Business
Response:
As previously stated, our letter was mailed to the consumerat his current address and was not returned to us. The law requires that ouroffice send a notice out to the consumer. There is no requirement of proof ofdelivery, nor that the letter be sent via certified mail. Any alleged theft ofthe consumer’s mail would be a federal criminal matter beyond our firm’scontrol. There is also no requirement that our firm send notice ofthe bank writ to the consumer via certified mail. Pennsylvania bank writs aresent to the consumer by the Sheriff. It was sent to the address on file withthis office, which is the consumer’s current address.This judgment was in effect as a matter of public record forover two years prior to our office mailing this letter to the consumer, andremains in effect.There have been over a dozen emails back and forth betweenthe consumer and our firm regarding this matter from June *, 2015 through June *,2015, and we have been responsive to the concerns raised by the consumer. Asper the consumer’s last email to us, he was in the process of arranging forpayment to resolve the matter and stated he would contact us again by Tuesday(yesterday, 6/*/15). We have not yet heard back from the consumer. We will continue to respond to any future communications.Thank you again for the opportunity to respond to thiscomplaint.Very truly yours,Eltman, Eltman & Cooper, P.C.
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Review: This company put a freze on my bank account. I have never heard anything about this company or received any documentation from them, My bank gave me their phone number when they sent me a copy of the judgement . I had to find out through a different source who they were. I'm especially confused as to why there was no paperwork or notification to try and work things out. There is no email address to contact them only a phone number.Desired Settlement: I would like to have my account: I would like to have my account "un- frozen", before there are any additional consequenses I would like to know who I am dealing with, why they put a freeze on my account and come to some kind of agreement or have the complete ordeal done with and never be bothered again. I would also like all communications done through emails,as my phone was turned off. I need to be contacted by email due to lack of phone
Business
Response:
Dear Sir or Madam: Please accept this as our firm’s response to this complaint. We have reviewed our file and note that it reflects the following: Please be advised that our client in this matter is LVNV Funding LLC. Our client placed this account with our office for collection and/or enforcement after a judgment had previously been entered against the consumer. Suit was filed against the consumer [redacted] on this account in the matter entitled LVNV Funding LLC v. [redacted] in the City Court of [redacted]. Judgment was subsequently entered against [redacted] on July **, 2011 in the amount of $1,765.35. A copy of the judgment is attached hereto. We were not the firm that filed suit or obtained judgment in this matter, but we have since filed a consent to change attorney for our client, the judgment creditor. As per our client’s records, no post-judgment payments were made on the account prior to its placement with our offices. Nor have any payments been made to our offices since we received this account for collection. On or about February **, 2015 our office sent a letter to [redacted] at her current address of [redacted]. A copy of the letter is attached to this response. This letter contained validation notice language as required by the Fair Debt Collection Practices Act (FDCPA). No response or dispute was ever received from [redacted] in response to that notice, nor was that notice ever returned to our office due to bad address or any other reason. We had not received any communication from [redacted] regarding this matter prior to this complaint. As such, our office proceeded with efforts to collect this judgment account. Prior to taking any action on the judgment, our firm validated the judgment’s existence and good status. We then proceeded with legal collection efforts on behalf of our client. In an effort to enforce the judgment, we confirmed [redacted] employment at [redacted] Restaurant and began proceedings for wage garnishment to attempt to collect on the judgment on behalf of our client. We have yet to receive a response to our wage garnishment from [redacted] employer. Additionally, in an effort to enforce the judgment, we confirmed [redacted] banking institution and began proceedings for a bank garnishment to attempt to collect on the judgment on behalf of our client. This resulted in [redacted] bank account being “frozen”. We maintain that our firm has acted in a legal and proper manner in this matter. Thank you for the opportunity to respond. Very truly yours, Kyle V[redacted] Eltman Law, P.C. [redacted] Tel. ###-###-#### Fax ###-###-####
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Review: I paid off a judgment they had against me in AUG 2012. It is now 2013. They still have not sent a satisfaction of judgment to the court...as required by law. Nor have they sent me a receipt or judgment paid in full document. Everytime I call I transferred to their document department where I get a voicemail and have to leave a message. No response after a year.Desired Settlement: I want a satisfaction of judgment sent to pitt county court and one emailed to me.
Business
Response:
To Whom it May Concern:
I write this letter in response to the complaint filed with the Revdex.com against Eltman, Eltman & Cooper, P.C. (EEC) by [redacted], in his complaint, requests a satisfaction of judgment be filed with the court on the above referenced matter, and sent to his personal attention. While [redacted] claims he made numerous calls to try and obtain said satisfaction of judgment, EEC's system does not have a record of any such calls being received by EEC. It is possible the calls went to our former servicer, Commercial Recovery Systems, with whom we no longer do business.
A satisfaction of judgment has been prepared on the above mentioned matter and submitted to the District Court in North Carolina's County of Pitt. A copy has also been sent to [redacted]. In the interest of confidentiality, EEC sent the satisfaction by mail using the United States Postal Service.
Very truly yours,
ELTMAN, ELTMAN & COOPER, P.C.
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Review: This place sent me a letter to my current home (I was a NY resident up until 2012) in regards to debt from 2007. They told me in their letter that they will withholds bank account and that there is a "claim" against me. I called a series of 5 times. The first time I spoke to a "[redacted]" who would not let's speak and when I would answer questions asked by her, she would speak over me. I nanaged to make it clear that my wages for this debt was garnished when livimg in NY. She finally told me that I supposedly owed $530 after the garnishment and that this is in regards to a Household bank card and that Household and Capital One are the same thing. I was curious and researched my receipts and recent payments to any owed debt. I come to find out by capital one that the recent payment I made cleared any debt owed. I felt better but googled this collection agency anyway. I read a few stories that sounded similar to mine and was worried that they had all my info. I called a back to verify the amount to compare again.. The second time I called "[redacted]" answered and told me that "[redacted]" was wrong. He said that my wages were garnished for $530 and I owe $1,300. I told him he is incorrect and he asked for paperwork which I didn't have and he said he refused to talk about the situation anymore and that I had to pay it and that's that. I said "Ok" and hung up. The third time, this "[redacted]" asked if I had an attorney and I said no and he said "ok. So I see you owe $1,300. Will you be taking care of it today?" I said "No sir, wanting to know though why I keep hearing different information from different people and he said "I'm sorry if you were told different but that's what I see here. We can take a down payment today and set up payment arrangements." It continued on like this so I called a friend for legal advice and she said to call the courts. I did as advised, called the court of NY and ask for proof of garnishment. The rep at the court asked me to take the letter in and I said I can fax it because I now live in AZ and she said no faxes are allowed for such situations and asked me to read the letter to her. She said there is no claim into name and that they can't retain accounts without a court order and that the "case #" does not sound like an actual #. I freaked out, asked for garnishment proof and it was sent. I received it in the mail and called back today and this man by the name of "[redacted]" tells me that he wants me to fax that proof to a # given and to make it attention to "[redacted] who isn't in office today." I tell him that I rather the court fax it because I don't trust their resources and he YELLED "So what's the purpose of this call? To tell me that we're fraudulent?" I said "you know what, now that you mention it, if the shoe fits." & hung up. Their reps are rude and this place is definitely a scam.Desired Settlement: I want them to revoke the "process of withholding my bank account" and remove themselves from any damage that might affect my credit, name, identity. I am worried that this will affect me in the long run.
Business
Response:
I write this in response to [redacted]'s complaint filed against Eltman, Eltman, & Cooper, P.C. (Eltman) with the Revdex.com. [redacted] alleges that this debt was previously satisfied with a wage garnishment while she was living in New York. [redacted] is correct that this was partially satisfied pursuant to a wage garnishment, there is a balance remaining on the account. $530 was paid pursuant to a wage garnishment. This is because defendant was a part time employee at the time. Because of this, Eltman made the decision to close the garnishment. The balance currently due as of today on this account is $1,344.33.
Review: I was contacted by mail and received 2 of the same letters on the same day.
This is regarding some type of collection matter with First Card and I had never had an account with them.
This notice is deceptive in the sense that it has the letterhead of the law firm Eltman Law P.C., however it continues state "no attorney in the firm has personally reviewed the particular circumstances of your account". I believe this law firm in in violation of several state and federal laws. Particularly the FDCPA, OCSPA, FRCA and possibly the TCPA should any fraudulent calls to my telephone be made since I listed it with this complaint. I have not received any documents bearing my signature and believe this is fraud. I would like to also put them on notice that I do not wish to be contacted except by mail. The letter also states that the firm has been retained, however no due diligence has been made by Mr. Eltman to determine the validity of the false demand for the collection of the so called debt.Desired Settlement: Cease all collection efforts, investigate the true origin of this debt, close back to their client that this is fraud.
Business
Response:
Please accept this as our firm’s response to this complaint. We have reviewed ourrecords for this matter, and they reflect the following: [redacted] is theconsumer on an account placed with our office for collection by our client,[redacted] (“[redacted]”), the assignee of and successor ininterest to the original creditor First Card. [redacted] has also filed almostidentical complaints with the Consumer Financial Protection Bureau (“CFPB”) andthe Ohio Attorney General’s Office. This account was placed with our offices for collection by our client [redacted] onor about 8/**/14. A judgment had previously been entered in this matter in the civillawsuit brought in the Garfield Heights Municipal Court in Cuyahoga County,Ohio bearing the caption [redacted] The judgment was entered against[redacted] on 4/**/03 in the amount of $2,807.00. A copy of the judgment isattached hereto. After the judgment was obtained, our client purchased theaccount and subsequently placed it with our offices for collections. A review of our records shows that we sent [redacted] an initial dunning letteron 7/*/15, a duplicate of which also appears to have been mailed out to [redacted] in error on that same date. Only one letter was intended to be sent,and a second letter appears to have been mailed at the same time due toa clerical error. Up to that point these identical letters were the onlyattempts our office made to contact [redacted] regarding this matter. Our recordsshow no prior communication with [redacted] by our office. Our records show no indication of any fraud claim or dispute prior to receipt of thiscomplaint or the complaints made to the CFPB and the Ohio AG’s Office. Ourcollection efforts immediately ceased upon receipt of these complaints and thisaccount was sent to our client for review. Our client informed us that theirrecords also do not show any prior fraud claim or dispute on this account andthey asked us to send a fraud claim package to the consumer in order to furtherinvestigate the claim.On 7/*/15 we mailed a fraud package to [redacted] which provided him with theFederal Trade Commission’s Identity Theft Victim’s Complaint and Affidavit. Weasked that [redacted] complete the affidavit within 30 days of receipt andreturn it to us for review along with any police report or other documentationhe may have regarding the claimed fraud. We will review any response [redacted] provides and forward it to our client as well for their review. If theclient determines that a fraud has occurred then [redacted]’s account will beclosed with our offices and returned to the client as requested.We dispute the claim that any federal or state law was violated by our firm in the collection of this matter. The language contained in our letter stating that “no attorney with the firm has personally reviewed the particular circumstances of your account” was truthful and not deceptive. That language is part of a disclaimer that is regularly used by law firms in our industry when there has not yet been attorney review of an individual account for legal action. This statement was not deceptivesince that language is only meant to be used by an attorney or law firm such asours when sending a letter on firm letterhead – rather, it could be deceptivefor a non-attorney or non-law firm entity to use that language since it impliesthat there is at least one attorney in the firm sending the letter. Thatdisclaimer language was true when the letter was sent out as no attorney withour firm had yet reviewed the circumstances of this account, nor was onerequired to do so in order for that letter to be sent. In sum, our office has done nothing more than attempt to collect on an unpaidjudgment account on behalf of our client. We have attempted to collect on thisaccount with our client’s authority and in good faith based on the informationour client provided to us. We confirmed the judgment prior to beginning collections onthe account and have complied with the law in all respects. We have alsocomplied with the consumer’s request to only be contacted by mail and toinvestigate the pending fraud claim.We thank you for the opportunity to respond.Eltman Law, P.C.
Review: ELTMAN, ELTMAN & COOPER have been running hard inquires credit checks on my credit report randomly for the past year without my consent or knowledge. Every time they run a inquiry my credit score drops. I have never authorized any of this or do not know who they are!Desired Settlement: I need for this to stop or I will have my lawyer involved.
Business
Response:
To Whom It May Concern:
I write this letter in response to the complaint filed by [redacted] with the Revdex.com against Eltman, Eltman & Cooper, P.C. (EEC). [redacted] states that EEC has been running hard inquiry checks on his credit without his consent or knowledge.
EEC represents LVNV Funding LLC, the plaintiff in this action. EEC was hired by LVNV Funding LLC to enforce the judgment entered against defendant. In order to enforce the judgment, EEC must locate assets owned by [redacted]. Credit checks must be run to locate such assets.
EEC is the attorney of record in this action, as evidenced by the attached Consent to Change Attorney filed with the City Court of the City of New York - County of Queens and the reflection of such filing on their website.
Thank you for your time and attention in this matter and should any additional questions arise, please do not hesitate to contact me.
Very truly yours,
ELTMAN, ELTMAN & COOPER, P.C.
Business
Response:
A judgment was entered against [redacted] in favor of LVNV FUNDING LLC A/P/O WASHINGTON MUTUAL in the amount of $1,450.39 on August **, 2008. Forster & Garbus LLP (law firm) obtained the judgment on behalf of the plaintiff. In approximately March 2010, the Plaintiff hired Eltman, Eltman & Cooper, P.C. to enforce the judgment previously obtained. The plaintiff, the client of Eltman, is permitted to search for assets in order to collect on their valid judgment, which is why credit reports were run on [redacted]. A copy of the judgment obtained is attached.
Review: My son had some mail to come to my house at [redacted] I haver a power of attorney to be able to open any mail and or take care of any issues in my son's absence. My son does not live at my house. The mail ws from Eltman Eltman and Copper. I was a collection letter. In the letter it said that my son was the owner of property at [redacted]. (that home/property belongs to me and my husband......we live in it). I called the Eltman Eltman ans Copper and tried to tell hem tthat they had made a mistake and to please make he correction. They refused to even dicuss the situation with me. I tried over and over to talk with them to no avail. They fasley put in a collection letter that my home belongs to my son..[redacted]; and will do nothing to change it.Desired Settlement: I need a letter from the company that they had made a terrible mistake; and to remove anything regarding mine and my husband property/home at [redacted]......from any collection letter that they send out to [redacted] File No.: [redacted]. Thak you for your immediate attentin regarding this matter.
Business
Response:
Please accept this response on behalf of the firm.Based on the claims made in the complaint, we will remove [redacted]'s address from our system along with any association to her real property.In order to avoid the unauthorized disclosure of private information to third parties, we are unable to discuss anything regarding the letter or account referred to in the complaint with anyone other than the person to whom the letter was addressed. Our office has not been provided with any authorization to discuss this matter with anyone other than the person to whom the letter was addressed. If we are provided with authorization to speak with a third party regarding any account that person may have with this office, we will gladly do so.We apologize for any inconvenience that may have been caused, and thank you for the opportunity to respond.Very truly yours,Eltman Law, P.C.
Review: On Friday, August*, 2013, with no formal notice there was a "legal service alert and hold" on my bank account for the amount of $6,908,43, This amount was deducted from my bank account. My call to the bank said that it was placed by the above mentioned firm and I should call them. I figured that without legal counsel I should not contact them directly. It should be lawyer to lawyer if need be.Desired Settlement: The deducted amount re-enstated in my bank account and the reason for it with no formal notice.
Business
Response:
To Whom it May Concern:
I write this letter in response to the complaint filed with The Revdex.com against Eltman, Eltman & Cooper, PC (Eltman) by [redacted] alleges that Eltman deducted certain funds from his account without giving him notice.
At the outset we’d like to note that the bank restraint sent was based upon a valid judgment entered in the Supreme Court of the State of New York, County of Nassau on August [redacted], 2008. A copy of the judgment is attached hereto as Exhibit “A”. While our firm was not the firm that obtained the judgment, we were retained by the plaintiff, Atlantic Credit & Finance, Inc, to enforce the judgment. Acting in that capacity, we sent [redacted] several letters regarding the judgment prior to restraining his account, each of which was sent to the address he listed on this Revdex.com complaint. One of these letters, indicating that our firm was attempting to find any non-exempt assets in attempt to collect on the judgment, is attached hereto as Exhibit “B”. Therefore, it does appear he received notice prior to his bank being restrained.
In addition, we would note that we have not withdrawn any funds form [redacted]’s bank account, rather, the account has been “frozen” by the bank. If he’d like to discuss the account further, he or his counsel is more than welcome to call our office directly.
Thank you for your time and attention in this matter and should any additional questions arise, please do not hesitate to contact me.
Very truly yours,
Eltman, Eltman & Cooper, P.C.
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
Thank you for your response. I will retain the services of a lawyer on my behalf to resolve this matter further for the mutual benefit of both parties.
Review: I had a joint bank account with my 76 year old disabled mother in order to cash her checks easier since she doesn't get around easily. My mother only recieves a small check from social security once a month in which she lives off of and pays bills with. Not only has this company taken my mother's social security check three times they also took my money which is not my mothers at all. I also took out a loan from my retirement plan for a rough period in which I had to pay my bills and school and other important things. One doesn't just take out a retirement loan unless it is neccessary. This company took that from me also sending me into even more debt because now I still had to pay for school and bills but also these overdraft fees that had incurred by this company taking my money, not just my mothers. I sent a letter stating that this was my money from a retirement loan and that my mothers money is a social security check, which I thought wasn't allowed to be levied and still have yet to hear a response from them let alone receive my money back.Desired Settlement: I would like my money back especailly since I am not responsible for my mothers debt. Not only was my retirement loan garnished along with money from my paycheck, which is all independent from my mother, she lives off of social security.
Business
Response:
Dear Sir or Madam:Please accept this in response to the
above-referenced complaint made against Eltman Law, P.C. (hereafter referred to
as "Eltman"). We have attempted to locate a corresponding
account in our system for this consumer. Our system requires one of the
following pieces of information to locate an account for any given consumer:
consumer’s name, consumer’s full social security number, the creditor’s primary
account number (e.g., a credit card account number), Eltman’s internal file
number, or consumer’s work or home phone number. The complaint does not contain
any of these items. We searched our system using the name and phone number
provided, however we were unable to locate any corresponding account. Unfortunately we are not able to fully address
the complaint at this time as we have been unable to locate any account in our
system based on the information provided in the complaint. We respectfully
request that we be provided with one of the other pieces of information, if
available. If the consumer has previously received any letter from our office,
it would have Eltman’s internal file number on it, and likely also the primary
(or “original”) account number. If either of those numbers are provided we can
locate the account. Or, if the consumer is known by any prior name or alias/aka
other than the name provided, that may also be helpful in identifying the
correct account. The consumer’s full social security number would also assist
in identifying the account, however we understand that the Revdex.com normally does
not receive that type of personal identifying information. Please be advised that our client lawfully
obtains judgments against debtors and levies bank accounts bearing the debtors
name where permitted to satisfy the judgments. Once we are able to identify the
appropriate account(s) in our system for this consumer, we will perform a
review of the matter and if any error was made in levying the consumer’s
account then we will work to rectify it and attempt to remove any remaining
levies. We thank you for the opportunity to respond and look
forward to resolving this matter. Please do not hesitate to contact our office
should anything further be required.Thank you, Kyle J. V[redacted] Eltman Law, P.C.
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
Good morning,In response to your email, here is the additional information that you need. The consumer name is Bernice Howard and her DOB July **,[redacted]. The file number is [redacted] and the docket number is [redacted]. The company who levied my account was Eltman,Eltman & Cooper. Office number ###-###-####. Website is [redacted]. I hope this information helps. Any other information needed please feel free to email again or give me a call. [redacted]. Thank you For your time and help. [redacted]
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
Dear sir or madam,Thank you for responding back to my complaint. I was unaware of any correspondent letters being sent to [redacted] as she did not communicate this with me. I am not sure as to why I did not receive any letters since my name was also on the account and I was the one filing the complaint. Is it even legal to garnish [redacted]'s social security check since that is her only source of income? If I can show you proof that half of the money levied from my account was from a loan on my personal retirement plan can I recover my money back? I obviously didn't take a loan out of my retirement plan lightly. Also money from my retirement plan had nothing to do with my mother [redacted]'s finances whatsoever. I am just asking for my money back as I took it out of my retirement plan to help with financial issues in a time of need and still was not able to take care of them because my money was garnished for my mothers debt which I am not responsible for. Thank you for your time[redacted]
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
Business
Response:
As mentioned in our previous response, we encourage [redacted] to submit the attached hardship application. We have received no correspondence from the bank indicating that the funds in the account we garnished were exempt from garnishment. Documentation proving that the funds included in the joint bank account [redacted] shares with her son are in fact social security benefits should be provided to our Hardship department for review. [redacted]’s financial institution would have provided notice that the accounts we had attempted to garnish were exempt. Our office received no such notification. Therefore, we maintain that our office was within our legal right to collect on this judgment. Please submit the attached hardship application. In the application please provide documentation indicating that the funds that our firm garnished were in fact social security benefits. Our Hardship Department will review [redacted]’s application and take actions accordingly to resolve the account with respect to the hardship. Even though our office and our client operated within the law at all times concerned and the restraint of [redacted]’s joint account was proper, [redacted] may qualify for a hardship to assist her present situation. We maintain that our firm has acted in a legal and proper manner in this matter. Thank you for the opportunity to respond. Very truly yours, Kyle V[redacted] Eltman Law, P.C. [redacted] Tel. ###-###-#### Fax ###-###-####
Review: ELTMAN ELTMAN & COOPER ARE REPORTING ON MY CREDIT REPORTS UNDER ACCOUNT REVIEW INQUIRIES. THEY ARE ACCESSING MY PERSONAL AND CONFIDENTIAL INFORMATION WITHOUT PERMISSIBLE PURPOSE AND I WANT THEM TO REMOVE AND DELETE THEIR WRONGFUL ACCOUNT REVIEW INQUIRIES FROM MY PERSONAL CREDIT REPORTS. I DO NOT HAVE AN ACCOUNT WITH THEM, I HAVE EXCELLENT CREDIT AND HAVE NO USED MY CREDIT IN OVER 15+ YEARS OR LONGER SO THERE IS NO REASON WHATSOEVER FOR THESE PEOPLE TO BE ACCESSING, REVIEWING OR OBTAINING MY PERSONAL CREDIT REPORTS AND I WANT IT TO STOP TODAY!! I HAVE CONTACTED THEM SEVERAL TIMES IN THE PAST WITH PROMISES THAT THEY WOULD REMOVE THEIR INQUIRY AND DISCONTINUE ACCESSING MY PERSONAL CREDIT REPORTS -- TO DATE, THEY ARE STILL SHOWING ON MY PERSONAL CREDIT REPORT AS OF 08/**/2014 WHEN I DO NOT HAVE AN ACCOUNT WITH THESE PEOPLE OR ANYONE THAT THEY COLLECT FOR. I WANT THE INQUIRY REMOVED OR I WILL BE FILING CIVIL CHARGES AGAINST THEM. I WANT WRITTEN CONFIRMATION THAT ALL CREDIT REPORTING AGENCIES HAVE BEEN CONTACTED AND THE INQUIRY IS TO BE REMOVED. IF ELTMAN ELTMAN & COOPER FAILS TO COMPLY WITH THIS LAST AND FINAL REQUEST THEY WILL BE HEARING FROM MY CIVIL ATTORNEY AS WELL AS I WILL FILE ADDITIONAL COMPLAINTS WITH THE FTC AND THE ATTORNEY GENERAL'S OFFICE IN CALIFORNIA. THEY DO NOT HAVE A RIGHT TO ACCESS MY PERSONAL CREDIT REPORTS AND I WANT THEIR INQUIRY REMOVED AND DELETED TODAY!!! NOT 30 DAYS FROM NOW -- BUT TODAY!!Desired Settlement: I WANT A WRITTEN AND SIGNED LETTER FROM ELTMAN ELTMAN & COOPER CONFIRMING THE DELETION AND REMOVAL OF THEIR ACCOUNT REVIEW INQUIRY OR I WILL BE FILING CIVIL CHARGES AGAINST THEM FOR FRAUD, UNAUTHORIZED USE, ACCESS AND REVIEW OF MY PERSONAL CREDIT REPORTS WITHOUT PERMISSIBLE PURPOSE. THERE IS NO PERMISSIBLE PURPOSE WHEN I DO NOT HAVE AN ACCOUNT WITH ELTMAN ELTMAN & COOPER NOR DO I HAVE ANY COLLECTION ACCOUNTS ON MY HISTORY AND I DO NOT APPRECIATE ANY COMPANY ACCESSING, REVIEWING AND/OR PULLING MY PERSONAL CREDIT REPORTS WITHOUT MY PRIOR CONSENT OR AUTHORIZATION.
Business
Response:
Dear Sir or Madam:Please accept this in response to the above-referenced complaint made against Eltman, Eltman & Cooper, P.C. (hereafter referred to as "Eltman", and currently known as “Eltman Law, P.C.”). We have attempted to locate a corresponding account in our system for this consumer. Our system requires one of the following pieces of information to locate an account for any given consumer: consumer’s name, consumer’s full social security number, the creditor’s primary account number (e.g., a credit card account number), Eltman’s internal file number, or consumer’s work or home phone number. Of these items the current complaint contains only the consumer’s name and phone number. We searched our system using the name and phone number provided, however we were unable to locate any corresponding account. Unfortunately we are not able to fully address the complaint at this time as we have been unable to locate any account in our system based on the information provided in the complaint. We respectfully request that we be provided with one of the other pieces of information, if available. If the consumer has previously received any letter from our office, it would have Eltman’s internal file number on it, and likely also the primary (or “original”) account number. If either of those numbers are provided we can locate the account. Or, if the consumer is known by any prior name or alias/aka other than the name provided, that may also be helpful in identifying the correct account. The consumer’s full social security number would also assist in identifying the account, however we understand that the Revdex.com normally does not receive that type of personal identifying information. Please be advised that our firm does not furnish or report any data to the credit bureaus. Our firm does review some consumer credit information in connection with the collection of our client’s accounts, as permitted under the Fair Credit Reporting Act. This review is done using the consumer information provided to us by our clients, including name and social security number. Once we are able to identify the appropriate account(s) in our system for this consumer, we will perform a review of the matter and if any error was made in obtaining this consumer’s credit information for our client’s account(s), then we will work to rectify it and attempt to remove any resulting inquiry. We thank you for the opportunity to respond and look forward to resolving this matter. Please do not hesitate to contact our office should anything further be required. Very truly yours, Pushpa L. P[redacted] Eltman Law, P.C.[redacted]
Review: put 2 money holds On my Savings Account for 2 different amounts in the same year without even notifying me. They also refuse to negotiate a settlement. The total debt from over 8 years ago is 1445.00 and they are holding over 5000.00Desired Settlement: Eltman, Eltman & Cooper has placed 2 Holds on My Savings Account for the same Debt. Both amounts are different and my total debit is 1,000 lower then what they are charging. This is a debt from well over 10 years and is no longer valid. They have made no attempts to settle. They are running my credit over and over and without making any attempt to settle the debt.
Business
Response:
Please accept this as the firm's response to this complaint. Since this complaint was filed, the consumer and his wife have been in contact with this office and the consumer has withdrawn his prior dispute on the two accounts in question. A copy of the withdrawal letter is attached hereto.The parties engaged in negotiations and we are glad to report that a settlement of both accounts has been reached and a conditional release of the bank restraint has been forwarded to the consumer's bank. It is our understanding that this matter has therefore been resolved.Should any further information be required, please let us know.Thank you for allowing us to respond.Eltman, Eltman & Cooper, P.C.
Review: I pay with a cashier check my debt with a very higher interest 04-**-2013 at this point is still on my credit report as well public records,(Miami-Dade Cnty Reg Miami) if they no rellly want to do nothing please I want my money back,the way they talk to with customer always says a bunch of liars,and email me fonies copyDesired Settlement: My money back
Business
Response:
Dear Sir or Madam:
Please allow this correspondence to serve as a response to the above referenced complaint.
Our client on the above matter is LVNV Funding, LLC, the current creditor on this account and the plaintiff on the judgment that was entered against [redacted] on 6/**/09.
We have reviewed our file and note that it reflects that this account has been settled in full and our office has closed and returned the account to our client as such.
Our records further show the following course of events:
• On 5/*/13 our office sent a settled in full confirmation letter to [redacted], a copy of which is attached, confirming that his account was settled in full and stating that that our office was in the process of obtaining a Satisfaction of Judgment ("SOJ") for this account (See Ex. 1).
• We prepared and obtained from our client an SOJ that was signed on 5/**/13 which we then mailed to the court clerk for filing (See Ex. 2).
• [redacted] called our Document Department on 7/**/13 to inquire about the status of the SOJ document that our office had prepared and sent out, at which time one of our Document Dept. staff emailed a copy of the submitted SOJ (Ex. 2) to [redacted].
• [redacted] called our office again on 7/**/13 stating that the court had yet to file the SOJ. Our staff member looked up the account and explained that the court had returned the SOJ we sent to them for filing as rejected and advised [redacted] that we were addressing the rejection issue and re-submitting the SOJ for filing via FedEx that same day (See Ex. 3).
• On or about 8/ */13 our office received back the filed stamped SOJ from the clerk with a stamped date of 7/**/13 (See Ex. 4).
• In the process of following up with the court regarding the SOJ filing, we were informed by the court clerk that Florida courts are no longer accepting SOJ documents in paper format, which had previously been the accepted fonna.t for recording, but rather now they require SOJs to be filed electronically through their new e-filing system. As such, on 7/**/13 our office also submitted the SOJ electronically through the Miami-Dade County e-filing system (See Ex. 5).
• On 7/**/ 13 the Miami-Dade Clerk of Court recorded the SOJ under Book # 28749, Page # 645 (See Ex. 6).
In sum, our firm has properly closed and returned this account to our client as well as properly filed and recorded a satisfaction of judgment with the clerk on behalf of our client.
[redacted] states in his complaint that something is appearing on his credit report.
However, our office does not report data of any kind to the credit bureaus, either account information or judgment information. If there is any judgment information appearing on [redacted]'s credit report, it was likely picked up by the bureaus themselves when they search public records for judgment information. [redacted] can forward a copy of the SOJ to the credit bureaus and ask that they remove from his reports any judgment information they may have entered onto it as the judgment has been satisfied.
Should you have any questions or concerns, please do not hesitate to contact me.
Thank you.
Review: This company failed to deliver me any notice of a lien on my credit. I have yet to receive any notification from them as to me owing any funds. They froze my bank account and then when I tried to reach them, all of the representatives either hung up on me, refused to help me, transferred me or just placed me on hold eternally. I did speak with one of the their so called attorneys [redacted] Bar Card Number: [redacted]. Who acknowledged the severity of my concern but then failed to ever call me back, refused to give me her direct number, and never took my calls. This company is horrible. How can they be allowed to draft 8k from my bank account and not be around for any sort of explanation.Desired Settlement: These guys are just horrible humans. They are heartless. I would appreciate a refund of my time and money and an apology and that they go out of business. But a refund of all my bank fees would suffice.
Business
Response:
Dear Sir or Madam: Please accept this as our firm’s response to the above-referenced complaint. We have reviewed our file and note that it reflects the following: Suit was filed against the consumer [redacted] on this account in the matter entitled [redacted], under Case No. [redacted] in the County Court at Law [redacted], in the County of Denton and State of Texas. Judgment was subsequently entered against [redacted] on June **, 2007 in the amount of $5,498.55. A copy of the Judgment is attached hereto. We were not the firm that filed suit or obtained judgment in this matter. This matter was placed with our office for collection and/or enforcement as a judgment account on or about November **, 2014, some seven plus years after judgment was entered. As per our client’s records, no post-judgment payments were made on the account prior to its placement with our firm. On or about November **, 2014 our office sent a letter to [redacted] at her then address of record. This letter contained the validation notice language as required by the FDCPA. No response or dispute was ever received from [redacted] in response to that notice, nor was that notice ever returned to our office due to a bad address or for any other reason. We had not received any correspondence from [redacted] regarding this matter prior to April *, 20215 when she first called our offices. Prior to taking any action on the judgment, we validated the judgment's existence and good status. We then proceeded with legal collection efforts on behalf of our client. In an effort to enforce the judgment, we confirmed [redacted]'s banking institution and began proceedings for a bank garnishment to attempt to collect on the judgment on behalf of our client. [redacted] contacted our office on April *, 2015 upon learning of the restraint on her bank account. [redacted] did not dispute the debt but rather expressed displeasure with her account being restrained and asking that it be released. An attorney with our office, [redacted], explained what was occurring with the account and that the funds could not be released as we were awaiting confirmation from the bank of the amount of funds being held so that we could attempt to resolve the matter. We informed [redacted] that we would have a proposed settlement arrangement for her on April *, 2015 (the next working day as the ** office was closed on Good Friday April *, 2015). [redacted] had our office number so she could call us back. As promised, [redacted] called [redacted] back on April [redacted] and left a message for a return call. When [redacted] returned the call later that day, one of our Account Representatives, [redacted], provided her with a settlement proposal. Our system does not show any record of any calls being disconnected by our office as claimed in the complaint, or that our staff was unwilling to speak to [redacted]. On the contrary, our records show that [redacted] inadvertently disconnected a call with [redacted] on April [redacted] and had to call us back afterwards. Our records show that any calls that came in from [redacted] were either transferred to the TX law office or to an appropriate Account Representative in our NY office. Our office spoke with [redacted] about the account on both April * and April *, 2015. The last conversation ended on a positive note, with [redacted] thanking our representative and promising to get back to us with a response to our settlement proposal by April **, 2015. Our office received no further response from [redacted] until the receipt of this complaint. We confirmed with the bank’s attorney that there was only a little more than $600.00 on deposit in [redacted]’s account. Due to the low balance, our office voluntarily nonsuited (dismissed) the garnishment. Since we nonsuited the garnishment, our client has received no money from the garnishment action. We are unsure of where the $8,000.00 amount that [redacted] states in her complaint came from, and can only speculate based on our limited knowledge of [redacted]’s procedures, that this amount might be in reference to the way [redacted] places their accounts on hold and how the hold appears on their account holder’s bank statements. We do not have any knowledge of what bank fees were incurred by [redacted] as a result of our client’s garnishment. Any such fees would have been charged by [redacted]’s bank directly, likely as part of any account terms with her bank. We maintain that this judgment account has been executed upon in a proper and legal manner based upon the information that was available to us, and that our firm acted properly in this matter. The bank garnishment was permissible under the law, and our client’s judgment remains in effect. Thank you for the opportunity to respond. Very truly yours, [redacted] Please note that our firm name has recently changed from “Eltman, Eltman & Cooper, P.C.” to “Eltman Law, P.C.”. Thank you. [redacted]
Review: I received communication from this company dated 4/**/2015 as well as a certified receipt in my mailbox. The letter indicated that they are going to have my paycheck garnished due to a [redacted]'s balance. I spoke to representative [redacted] @ ###-###-#### who advised me that he could not tell me where this balance of $2,310.31 came from. I asked [redacted] did he have proof of the contract that I signed as I explained that I only had a free 30 day trial period with [redacted]'s. I explained that I was going to dispute this, & until they could provide proof of an existing contract I was not paying this.Desired Settlement: I would like a signed copy of the [redacted];s contract that theyre indicating that I owe.
Business
Response:
[redacted] Dear Sir or Madam:Please accept this as our firm’s response to this complaint. We have reviewed our fileand note that it reflects the following:Suit was filed against the consumer [redacted] on this account in the matterentitled [redacted] v. [redacted], under Docket No. [redacted] in the Superior Courtof New Jersey, Law Division, Special Civil Part in the County of Essex.Judgment was subsequently entered against [redacted] on December *, 2006 in theamount of $2,155.08. We were not the firm that filed suit or obtained judgmentin this matter. The judgment was later sold and assigned to our client, [redacted], on or about November **, 2008. The judgment was then docketed inthe Superior Court of New Jersey, Civil Division on January **, 2009 underJudgment N[redacted] remains the current assignee andowner of the judgment. This matter was placed with our office for collection and/or enforcement as ajudgment account on or about January **, 2015, some eight plus years afterjudgment was entered. As per our client’s records, no post-judgment payments weremade on the account prior to its placement with our firm, and none have beenmade since. On or about April **, 2015 our office sent a letter to [redacted] at her currentaddress. This letter contained the validation notice language as required bythe FDCPA. Prior to taking any action on the judgment, we validated thejudgment's existence and good status. We then proceeded with legal collectionefforts on behalf of our client. In an effort to enforce the judgment, weconfirmed [redacted]’s place of employment and began proceedings for a wagegarnishment to attempt to collect on the judgment on behalf of our client. [redacted] called our office on May **, 2015 todispute the debt and request validation. The account representative that spoketo [redacted] provided information regarding the judgment entered in thismatter and indicated in our system that the account was disputed and that proofof the debt was requested. The account was placed on hold in our system and nofurther action was taken on the account since receipt of the dispute. On May**, 2015, our office mailed a written response to [redacted], providing proofof the judgment entered in this matter. Our office then received notice of this Revdex.com complaint.We reached out to our client to request that they provide any additionaldocumentation they may have in this matter, and have received none to date. Then,on or about June *, 2015, our office received a written notice from [redacted]again disputing the validity of the debt and asking for supportingdocumentation, including the original application and any signatures and billsassociated with the account. The letter also requested that the consumer not becontacted again. No further contact has been made with [redacted] since.We maintain that this judgment account has been collected upon in a proper andlegal manner based upon the information made available to us, and that our firmacted properly in this matter and within the law. Validation of the debt (i.e., proof of the judgment) waspreviously provided in writing in our May **, 2015 response to the consumer’sverbal dispute. Our client’s judgment remains unpaid and in effect.Thank you for the opportunity to respond. Very truly yours, Eltman Law, P.C.
Review: I have never heard anything about this company or received any documentation from them, then all of a sudden there is a freeze on my bank accounts, I had to find out through a different source how to even find out who put the freeze on and especially confused that there was no paperwork or notification to try and work things out, I also have been through my credit report and this company or the company they are doing this for are not even on my report nor is the amount they have listed.Desired Settlement: I would like to have some outcome of who I am dealing with, why they put a freeze on my account (also release the freeze on my account) and come to some kind of agreement or have the complete ordeal done with and never be bothered again. I would also like all communications done through emails, phone calls allow each side to say one thing and next phone call say something different now it will be in writing and neither side can say I didn't say that.
Business
Response:
Dear Sir or Madam:Please accept this as our firm's response to this complaint. We have reviewedour file and note that it reflects the following:Please be advised that our client in this matter is [redacted]. Ourclient placed this account with our office for collection and/or enforcementafter a judgment had previously been entered against the consumer. A copy ofthe judgment is attached to this response. Our firm was not the firm that filedsuit or obtained judgment in this matter, but we have since filed a notice ofappearance with the court as attorneys for our client, the judgment creditor. As per our client’s records, no post-judgment payments were made on the accountprior to its placement with our offices. Nor have any payments been made to ouroffices since we received this account for collection. On or about March *, 2015 our office sent a letter to [redacted] at his currentaddress of [redacted]. A copy of the letter is attachedto this response. This letter contained validation notice language as requiredby the FDCPA. No response or dispute was ever received from [redacted] inresponse to that notice, nor was that notice ever returned to our office due toa bad address or for any other reason. We had not received any communicationfrom [redacted] regarding this matter prior to this complaint. As such, ouroffice proceeded with efforts to collect this judgment account. Prior to taking any action on the judgment, our firm validated the judgment'sexistence and good status. We then proceeded with legal collection efforts onbehalf of our client. In an effort to enforce the judgment, we confirmed [redacted]'s banking institution and began proceedings for a bank garnishment toattempt to collect on the judgment on behalf of our client. A Praecipe for Writof Execution was filed with the court, a copy of which is attached to thisresponse. The court subsequently issued a Writ of Execution to the Sheriff ofMontgomery County, PA for service. This resulted in [redacted]’s bank accountbeing “frozen”. Upon receiving this complaint, our office reached out to [redacted] viaemail, as requested. Our office is currently engaging in settlement discussionswith [redacted] in an attempt to resolve this judgment. We maintain that our firm has acted in a legal and proper manner inthis matter.Thank you for the opportunity to respond. Very truly yours,Eltman, Eltman & Cooper, P.C.
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
While the gentleman I have been emailing back and forth have communicated about the notices sent out, like it was stated to them I never received it, I can not help maybe someone on my block received it and threw it out, but like I had told this gentleman, "i have never seen any paperwork from their company and was calling the other lawyers office to find out who held this paperwork, why wasn't any paperwork sent certified, that way there was no he never received it? I did not know any information until I called the bamk to find out who froze the account(on may [redacted]) then on the ** of may I did receive a copy of the writ in the mail, from Eltman and also my bank. so as far as I am concerned there was no communication because there was no notification made, there are emails between myself and Eltman, expressing the same arguments / disagreements. Eltman and I are still communicating through emails but at their earliest convieniences.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
Business
Response:
As previously stated, our letter was mailed to the consumerat his current address and was not returned to us. The law requires that ouroffice send a notice out to the consumer. There is no requirement of proof ofdelivery, nor that the letter be sent via certified mail. Any alleged theft ofthe consumer’s mail would be a federal criminal matter beyond our firm’scontrol. There is also no requirement that our firm send notice ofthe bank writ to the consumer via certified mail. Pennsylvania bank writs aresent to the consumer by the Sheriff. It was sent to the address on file withthis office, which is the consumer’s current address.This judgment was in effect as a matter of public record forover two years prior to our office mailing this letter to the consumer, andremains in effect.There have been over a dozen emails back and forth betweenthe consumer and our firm regarding this matter from June *, 2015 through June *,2015, and we have been responsive to the concerns raised by the consumer. Asper the consumer’s last email to us, he was in the process of arranging forpayment to resolve the matter and stated he would contact us again by Tuesday(yesterday, 6/*/15). We have not yet heard back from the consumer. We will continue to respond to any future communications.Thank you again for the opportunity to respond to thiscomplaint.Very truly yours,Eltman, Eltman & Cooper, P.C.
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
Review: This company put a freze on my bank account. I have never heard anything about this company or received any documentation from them, My bank gave me their phone number when they sent me a copy of the judgement . I had to find out through a different source who they were. I'm especially confused as to why there was no paperwork or notification to try and work things out. There is no email address to contact them only a phone number.Desired Settlement: I would like to have my account: I would like to have my account "un- frozen", before there are any additional consequenses I would like to know who I am dealing with, why they put a freeze on my account and come to some kind of agreement or have the complete ordeal done with and never be bothered again. I would also like all communications done through emails,as my phone was turned off. I need to be contacted by email due to lack of phone
Business
Response:
Dear Sir or Madam: Please accept this as our firm’s response to this complaint. We have reviewed our file and note that it reflects the following: Please be advised that our client in this matter is LVNV Funding LLC. Our client placed this account with our office for collection and/or enforcement after a judgment had previously been entered against the consumer. Suit was filed against the consumer [redacted] on this account in the matter entitled LVNV Funding LLC v. [redacted] in the City Court of [redacted]. Judgment was subsequently entered against [redacted] on July **, 2011 in the amount of $1,765.35. A copy of the judgment is attached hereto. We were not the firm that filed suit or obtained judgment in this matter, but we have since filed a consent to change attorney for our client, the judgment creditor. As per our client’s records, no post-judgment payments were made on the account prior to its placement with our offices. Nor have any payments been made to our offices since we received this account for collection. On or about February **, 2015 our office sent a letter to [redacted] at her current address of [redacted]. A copy of the letter is attached to this response. This letter contained validation notice language as required by the Fair Debt Collection Practices Act (FDCPA). No response or dispute was ever received from [redacted] in response to that notice, nor was that notice ever returned to our office due to bad address or any other reason. We had not received any communication from [redacted] regarding this matter prior to this complaint. As such, our office proceeded with efforts to collect this judgment account. Prior to taking any action on the judgment, our firm validated the judgment’s existence and good status. We then proceeded with legal collection efforts on behalf of our client. In an effort to enforce the judgment, we confirmed [redacted] employment at [redacted] Restaurant and began proceedings for wage garnishment to attempt to collect on the judgment on behalf of our client. We have yet to receive a response to our wage garnishment from [redacted] employer. Additionally, in an effort to enforce the judgment, we confirmed [redacted] banking institution and began proceedings for a bank garnishment to attempt to collect on the judgment on behalf of our client. This resulted in [redacted] bank account being “frozen”. We maintain that our firm has acted in a legal and proper manner in this matter. Thank you for the opportunity to respond. Very truly yours, Kyle V[redacted] Eltman Law, P.C. [redacted] Tel. ###-###-#### Fax ###-###-####
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
Review: I paid off a judgment they had against me in AUG 2012. It is now 2013. They still have not sent a satisfaction of judgment to the court...as required by law. Nor have they sent me a receipt or judgment paid in full document. Everytime I call I transferred to their document department where I get a voicemail and have to leave a message. No response after a year.Desired Settlement: I want a satisfaction of judgment sent to pitt county court and one emailed to me.
Business
Response:
To Whom it May Concern:
I write this letter in response to the complaint filed with the Revdex.com against Eltman, Eltman & Cooper, P.C. (EEC) by [redacted], in his complaint, requests a satisfaction of judgment be filed with the court on the above referenced matter, and sent to his personal attention. While [redacted] claims he made numerous calls to try and obtain said satisfaction of judgment, EEC's system does not have a record of any such calls being received by EEC. It is possible the calls went to our former servicer, Commercial Recovery Systems, with whom we no longer do business.
A satisfaction of judgment has been prepared on the above mentioned matter and submitted to the District Court in North Carolina's County of Pitt. A copy has also been sent to [redacted]. In the interest of confidentiality, EEC sent the satisfaction by mail using the United States Postal Service.
Very truly yours,
ELTMAN, ELTMAN & COOPER, P.C.
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
Review: This place sent me a letter to my current home (I was a NY resident up until 2012) in regards to debt from 2007. They told me in their letter that they will withholds bank account and that there is a "claim" against me. I called a series of 5 times. The first time I spoke to a "[redacted]" who would not let's speak and when I would answer questions asked by her, she would speak over me. I nanaged to make it clear that my wages for this debt was garnished when livimg in NY. She finally told me that I supposedly owed $530 after the garnishment and that this is in regards to a Household bank card and that Household and Capital One are the same thing. I was curious and researched my receipts and recent payments to any owed debt. I come to find out by capital one that the recent payment I made cleared any debt owed. I felt better but googled this collection agency anyway. I read a few stories that sounded similar to mine and was worried that they had all my info. I called a back to verify the amount to compare again.. The second time I called "[redacted]" answered and told me that "[redacted]" was wrong. He said that my wages were garnished for $530 and I owe $1,300. I told him he is incorrect and he asked for paperwork which I didn't have and he said he refused to talk about the situation anymore and that I had to pay it and that's that. I said "Ok" and hung up. The third time, this "[redacted]" asked if I had an attorney and I said no and he said "ok. So I see you owe $1,300. Will you be taking care of it today?" I said "No sir, wanting to know though why I keep hearing different information from different people and he said "I'm sorry if you were told different but that's what I see here. We can take a down payment today and set up payment arrangements." It continued on like this so I called a friend for legal advice and she said to call the courts. I did as advised, called the court of NY and ask for proof of garnishment. The rep at the court asked me to take the letter in and I said I can fax it because I now live in AZ and she said no faxes are allowed for such situations and asked me to read the letter to her. She said there is no claim into name and that they can't retain accounts without a court order and that the "case #" does not sound like an actual #. I freaked out, asked for garnishment proof and it was sent. I received it in the mail and called back today and this man by the name of "[redacted]" tells me that he wants me to fax that proof to a # given and to make it attention to "[redacted] who isn't in office today." I tell him that I rather the court fax it because I don't trust their resources and he YELLED "So what's the purpose of this call? To tell me that we're fraudulent?" I said "you know what, now that you mention it, if the shoe fits." & hung up. Their reps are rude and this place is definitely a scam.Desired Settlement: I want them to revoke the "process of withholding my bank account" and remove themselves from any damage that might affect my credit, name, identity. I am worried that this will affect me in the long run.
Business
Response:
I write this in response to [redacted]'s complaint filed against Eltman, Eltman, & Cooper, P.C. (Eltman) with the Revdex.com. [redacted] alleges that this debt was previously satisfied with a wage garnishment while she was living in New York. [redacted] is correct that this was partially satisfied pursuant to a wage garnishment, there is a balance remaining on the account. $530 was paid pursuant to a wage garnishment. This is because defendant was a part time employee at the time. Because of this, Eltman made the decision to close the garnishment. The balance currently due as of today on this account is $1,344.33.
Review: I was contacted by mail and received 2 of the same letters on the same day.
This is regarding some type of collection matter with First Card and I had never had an account with them.
This notice is deceptive in the sense that it has the letterhead of the law firm Eltman Law P.C., however it continues state "no attorney in the firm has personally reviewed the particular circumstances of your account". I believe this law firm in in violation of several state and federal laws. Particularly the FDCPA, OCSPA, FRCA and possibly the TCPA should any fraudulent calls to my telephone be made since I listed it with this complaint. I have not received any documents bearing my signature and believe this is fraud. I would like to also put them on notice that I do not wish to be contacted except by mail. The letter also states that the firm has been retained, however no due diligence has been made by Mr. Eltman to determine the validity of the false demand for the collection of the so called debt.Desired Settlement: Cease all collection efforts, investigate the true origin of this debt, close back to their client that this is fraud.
Business
Response:
Please accept this as our firm’s response to this complaint. We have reviewed ourrecords for this matter, and they reflect the following: [redacted] is theconsumer on an account placed with our office for collection by our client,[redacted] (“[redacted]”), the assignee of and successor ininterest to the original creditor First Card. [redacted] has also filed almostidentical complaints with the Consumer Financial Protection Bureau (“CFPB”) andthe Ohio Attorney General’s Office. This account was placed with our offices for collection by our client [redacted] onor about 8/**/14. A judgment had previously been entered in this matter in the civillawsuit brought in the Garfield Heights Municipal Court in Cuyahoga County,Ohio bearing the caption [redacted] The judgment was entered against[redacted] on 4/**/03 in the amount of $2,807.00. A copy of the judgment isattached hereto. After the judgment was obtained, our client purchased theaccount and subsequently placed it with our offices for collections. A review of our records shows that we sent [redacted] an initial dunning letteron 7/*/15, a duplicate of which also appears to have been mailed out to [redacted] in error on that same date. Only one letter was intended to be sent,and a second letter appears to have been mailed at the same time due toa clerical error. Up to that point these identical letters were the onlyattempts our office made to contact [redacted] regarding this matter. Our recordsshow no prior communication with [redacted] by our office. Our records show no indication of any fraud claim or dispute prior to receipt of thiscomplaint or the complaints made to the CFPB and the Ohio AG’s Office. Ourcollection efforts immediately ceased upon receipt of these complaints and thisaccount was sent to our client for review. Our client informed us that theirrecords also do not show any prior fraud claim or dispute on this account andthey asked us to send a fraud claim package to the consumer in order to furtherinvestigate the claim.On 7/*/15 we mailed a fraud package to [redacted] which provided him with theFederal Trade Commission’s Identity Theft Victim’s Complaint and Affidavit. Weasked that [redacted] complete the affidavit within 30 days of receipt andreturn it to us for review along with any police report or other documentationhe may have regarding the claimed fraud. We will review any response [redacted] provides and forward it to our client as well for their review. If theclient determines that a fraud has occurred then [redacted]’s account will beclosed with our offices and returned to the client as requested.We dispute the claim that any federal or state law was violated by our firm in the collection of this matter. The language contained in our letter stating that “no attorney with the firm has personally reviewed the particular circumstances of your account” was truthful and not deceptive. That language is part of a disclaimer that is regularly used by law firms in our industry when there has not yet been attorney review of an individual account for legal action. This statement was not deceptivesince that language is only meant to be used by an attorney or law firm such asours when sending a letter on firm letterhead – rather, it could be deceptivefor a non-attorney or non-law firm entity to use that language since it impliesthat there is at least one attorney in the firm sending the letter. Thatdisclaimer language was true when the letter was sent out as no attorney withour firm had yet reviewed the circumstances of this account, nor was onerequired to do so in order for that letter to be sent. In sum, our office has done nothing more than attempt to collect on an unpaidjudgment account on behalf of our client. We have attempted to collect on thisaccount with our client’s authority and in good faith based on the informationour client provided to us. We confirmed the judgment prior to beginning collections onthe account and have complied with the law in all respects. We have alsocomplied with the consumer’s request to only be contacted by mail and toinvestigate the pending fraud claim.We thank you for the opportunity to respond.Eltman Law, P.C.
Review: ELTMAN, ELTMAN & COOPER have been running hard inquires credit checks on my credit report randomly for the past year without my consent or knowledge. Every time they run a inquiry my credit score drops. I have never authorized any of this or do not know who they are!Desired Settlement: I need for this to stop or I will have my lawyer involved.
Business
Response:
To Whom It May Concern:
I write this letter in response to the complaint filed by [redacted] with the Revdex.com against Eltman, Eltman & Cooper, P.C. (EEC). [redacted] states that EEC has been running hard inquiry checks on his credit without his consent or knowledge.
EEC represents LVNV Funding LLC, the plaintiff in this action. EEC was hired by LVNV Funding LLC to enforce the judgment entered against defendant. In order to enforce the judgment, EEC must locate assets owned by [redacted]. Credit checks must be run to locate such assets.
EEC is the attorney of record in this action, as evidenced by the attached Consent to Change Attorney filed with the City Court of the City of New York - County of Queens and the reflection of such filing on their website.
Thank you for your time and attention in this matter and should any additional questions arise, please do not hesitate to contact me.
Very truly yours,
ELTMAN, ELTMAN & COOPER, P.C.
Business
Response:
A judgment was entered against [redacted] in favor of LVNV FUNDING LLC A/P/O WASHINGTON MUTUAL in the amount of $1,450.39 on August **, 2008. Forster & Garbus LLP (law firm) obtained the judgment on behalf of the plaintiff. In approximately March 2010, the Plaintiff hired Eltman, Eltman & Cooper, P.C. to enforce the judgment previously obtained. The plaintiff, the client of Eltman, is permitted to search for assets in order to collect on their valid judgment, which is why credit reports were run on [redacted]. A copy of the judgment obtained is attached.
Review: My son had some mail to come to my house at [redacted] I haver a power of attorney to be able to open any mail and or take care of any issues in my son's absence. My son does not live at my house. The mail ws from Eltman Eltman and Copper. I was a collection letter. In the letter it said that my son was the owner of property at [redacted]. (that home/property belongs to me and my husband......we live in it). I called the Eltman Eltman ans Copper and tried to tell hem tthat they had made a mistake and to please make he correction. They refused to even dicuss the situation with me. I tried over and over to talk with them to no avail. They fasley put in a collection letter that my home belongs to my son..[redacted]; and will do nothing to change it.Desired Settlement: I need a letter from the company that they had made a terrible mistake; and to remove anything regarding mine and my husband property/home at [redacted]......from any collection letter that they send out to [redacted] File No.: [redacted]. Thak you for your immediate attentin regarding this matter.
Business
Response:
Please accept this response on behalf of the firm.Based on the claims made in the complaint, we will remove [redacted]'s address from our system along with any association to her real property.In order to avoid the unauthorized disclosure of private information to third parties, we are unable to discuss anything regarding the letter or account referred to in the complaint with anyone other than the person to whom the letter was addressed. Our office has not been provided with any authorization to discuss this matter with anyone other than the person to whom the letter was addressed. If we are provided with authorization to speak with a third party regarding any account that person may have with this office, we will gladly do so.We apologize for any inconvenience that may have been caused, and thank you for the opportunity to respond.Very truly yours,Eltman Law, P.C.
Review: On Friday, August*, 2013, with no formal notice there was a "legal service alert and hold" on my bank account for the amount of $6,908,43, This amount was deducted from my bank account. My call to the bank said that it was placed by the above mentioned firm and I should call them. I figured that without legal counsel I should not contact them directly. It should be lawyer to lawyer if need be.Desired Settlement: The deducted amount re-enstated in my bank account and the reason for it with no formal notice.
Business
Response:
To Whom it May Concern:
I write this letter in response to the complaint filed with The Revdex.com against Eltman, Eltman & Cooper, PC (Eltman) by [redacted] alleges that Eltman deducted certain funds from his account without giving him notice.
At the outset we’d like to note that the bank restraint sent was based upon a valid judgment entered in the Supreme Court of the State of New York, County of Nassau on August [redacted], 2008. A copy of the judgment is attached hereto as Exhibit “A”. While our firm was not the firm that obtained the judgment, we were retained by the plaintiff, Atlantic Credit & Finance, Inc, to enforce the judgment. Acting in that capacity, we sent [redacted] several letters regarding the judgment prior to restraining his account, each of which was sent to the address he listed on this Revdex.com complaint. One of these letters, indicating that our firm was attempting to find any non-exempt assets in attempt to collect on the judgment, is attached hereto as Exhibit “B”. Therefore, it does appear he received notice prior to his bank being restrained.
In addition, we would note that we have not withdrawn any funds form [redacted]’s bank account, rather, the account has been “frozen” by the bank. If he’d like to discuss the account further, he or his counsel is more than welcome to call our office directly.
Thank you for your time and attention in this matter and should any additional questions arise, please do not hesitate to contact me.
Very truly yours,
Eltman, Eltman & Cooper, P.C.
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
Thank you for your response. I will retain the services of a lawyer on my behalf to resolve this matter further for the mutual benefit of both parties.
Review: I had a joint bank account with my 76 year old disabled mother in order to cash her checks easier since she doesn't get around easily. My mother only recieves a small check from social security once a month in which she lives off of and pays bills with. Not only has this company taken my mother's social security check three times they also took my money which is not my mothers at all. I also took out a loan from my retirement plan for a rough period in which I had to pay my bills and school and other important things. One doesn't just take out a retirement loan unless it is neccessary. This company took that from me also sending me into even more debt because now I still had to pay for school and bills but also these overdraft fees that had incurred by this company taking my money, not just my mothers. I sent a letter stating that this was my money from a retirement loan and that my mothers money is a social security check, which I thought wasn't allowed to be levied and still have yet to hear a response from them let alone receive my money back.Desired Settlement: I would like my money back especailly since I am not responsible for my mothers debt. Not only was my retirement loan garnished along with money from my paycheck, which is all independent from my mother, she lives off of social security.
Business
Response:
Dear Sir or Madam:Please accept this in response to the
above-referenced complaint made against Eltman Law, P.C. (hereafter referred to
as "Eltman"). We have attempted to locate a corresponding
account in our system for this consumer. Our system requires one of the
following pieces of information to locate an account for any given consumer:
consumer’s name, consumer’s full social security number, the creditor’s primary
account number (e.g., a credit card account number), Eltman’s internal file
number, or consumer’s work or home phone number. The complaint does not contain
any of these items. We searched our system using the name and phone number
provided, however we were unable to locate any corresponding account. Unfortunately we are not able to fully address
the complaint at this time as we have been unable to locate any account in our
system based on the information provided in the complaint. We respectfully
request that we be provided with one of the other pieces of information, if
available. If the consumer has previously received any letter from our office,
it would have Eltman’s internal file number on it, and likely also the primary
(or “original”) account number. If either of those numbers are provided we can
locate the account. Or, if the consumer is known by any prior name or alias/aka
other than the name provided, that may also be helpful in identifying the
correct account. The consumer’s full social security number would also assist
in identifying the account, however we understand that the Revdex.com normally does
not receive that type of personal identifying information. Please be advised that our client lawfully
obtains judgments against debtors and levies bank accounts bearing the debtors
name where permitted to satisfy the judgments. Once we are able to identify the
appropriate account(s) in our system for this consumer, we will perform a
review of the matter and if any error was made in levying the consumer’s
account then we will work to rectify it and attempt to remove any remaining
levies. We thank you for the opportunity to respond and look
forward to resolving this matter. Please do not hesitate to contact our office
should anything further be required.Thank you, Kyle J. V[redacted] Eltman Law, P.C.
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
Good morning,In response to your email, here is the additional information that you need. The consumer name is Bernice Howard and her DOB July **,[redacted]. The file number is [redacted] and the docket number is [redacted]. The company who levied my account was Eltman,Eltman & Cooper. Office number ###-###-####. Website is [redacted]. I hope this information helps. Any other information needed please feel free to email again or give me a call. [redacted]. Thank you For your time and help. [redacted]
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
Consumer
Response:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
Dear sir or madam,Thank you for responding back to my complaint. I was unaware of any correspondent letters being sent to [redacted] as she did not communicate this with me. I am not sure as to why I did not receive any letters since my name was also on the account and I was the one filing the complaint. Is it even legal to garnish [redacted]'s social security check since that is her only source of income? If I can show you proof that half of the money levied from my account was from a loan on my personal retirement plan can I recover my money back? I obviously didn't take a loan out of my retirement plan lightly. Also money from my retirement plan had nothing to do with my mother [redacted]'s finances whatsoever. I am just asking for my money back as I took it out of my retirement plan to help with financial issues in a time of need and still was not able to take care of them because my money was garnished for my mothers debt which I am not responsible for. Thank you for your time[redacted]
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
Business
Response:
As mentioned in our previous response, we encourage [redacted] to submit the attached hardship application. We have received no correspondence from the bank indicating that the funds in the account we garnished were exempt from garnishment. Documentation proving that the funds included in the joint bank account [redacted] shares with her son are in fact social security benefits should be provided to our Hardship department for review. [redacted]’s financial institution would have provided notice that the accounts we had attempted to garnish were exempt. Our office received no such notification. Therefore, we maintain that our office was within our legal right to collect on this judgment. Please submit the attached hardship application. In the application please provide documentation indicating that the funds that our firm garnished were in fact social security benefits. Our Hardship Department will review [redacted]’s application and take actions accordingly to resolve the account with respect to the hardship. Even though our office and our client operated within the law at all times concerned and the restraint of [redacted]’s joint account was proper, [redacted] may qualify for a hardship to assist her present situation. We maintain that our firm has acted in a legal and proper manner in this matter. Thank you for the opportunity to respond. Very truly yours, Kyle V[redacted] Eltman Law, P.C. [redacted] Tel. ###-###-#### Fax ###-###-####
Review: ELTMAN ELTMAN & COOPER ARE REPORTING ON MY CREDIT REPORTS UNDER ACCOUNT REVIEW INQUIRIES. THEY ARE ACCESSING MY PERSONAL AND CONFIDENTIAL INFORMATION WITHOUT PERMISSIBLE PURPOSE AND I WANT THEM TO REMOVE AND DELETE THEIR WRONGFUL ACCOUNT REVIEW INQUIRIES FROM MY PERSONAL CREDIT REPORTS. I DO NOT HAVE AN ACCOUNT WITH THEM, I HAVE EXCELLENT CREDIT AND HAVE NO USED MY CREDIT IN OVER 15+ YEARS OR LONGER SO THERE IS NO REASON WHATSOEVER FOR THESE PEOPLE TO BE ACCESSING, REVIEWING OR OBTAINING MY PERSONAL CREDIT REPORTS AND I WANT IT TO STOP TODAY!! I HAVE CONTACTED THEM SEVERAL TIMES IN THE PAST WITH PROMISES THAT THEY WOULD REMOVE THEIR INQUIRY AND DISCONTINUE ACCESSING MY PERSONAL CREDIT REPORTS -- TO DATE, THEY ARE STILL SHOWING ON MY PERSONAL CREDIT REPORT AS OF 08/**/2014 WHEN I DO NOT HAVE AN ACCOUNT WITH THESE PEOPLE OR ANYONE THAT THEY COLLECT FOR. I WANT THE INQUIRY REMOVED OR I WILL BE FILING CIVIL CHARGES AGAINST THEM. I WANT WRITTEN CONFIRMATION THAT ALL CREDIT REPORTING AGENCIES HAVE BEEN CONTACTED AND THE INQUIRY IS TO BE REMOVED. IF ELTMAN ELTMAN & COOPER FAILS TO COMPLY WITH THIS LAST AND FINAL REQUEST THEY WILL BE HEARING FROM MY CIVIL ATTORNEY AS WELL AS I WILL FILE ADDITIONAL COMPLAINTS WITH THE FTC AND THE ATTORNEY GENERAL'S OFFICE IN CALIFORNIA. THEY DO NOT HAVE A RIGHT TO ACCESS MY PERSONAL CREDIT REPORTS AND I WANT THEIR INQUIRY REMOVED AND DELETED TODAY!!! NOT 30 DAYS FROM NOW -- BUT TODAY!!Desired Settlement: I WANT A WRITTEN AND SIGNED LETTER FROM ELTMAN ELTMAN & COOPER CONFIRMING THE DELETION AND REMOVAL OF THEIR ACCOUNT REVIEW INQUIRY OR I WILL BE FILING CIVIL CHARGES AGAINST THEM FOR FRAUD, UNAUTHORIZED USE, ACCESS AND REVIEW OF MY PERSONAL CREDIT REPORTS WITHOUT PERMISSIBLE PURPOSE. THERE IS NO PERMISSIBLE PURPOSE WHEN I DO NOT HAVE AN ACCOUNT WITH ELTMAN ELTMAN & COOPER NOR DO I HAVE ANY COLLECTION ACCOUNTS ON MY HISTORY AND I DO NOT APPRECIATE ANY COMPANY ACCESSING, REVIEWING AND/OR PULLING MY PERSONAL CREDIT REPORTS WITHOUT MY PRIOR CONSENT OR AUTHORIZATION.
Business
Response:
Dear Sir or Madam:Please accept this in response to the above-referenced complaint made against Eltman, Eltman & Cooper, P.C. (hereafter referred to as "Eltman", and currently known as “Eltman Law, P.C.”). We have attempted to locate a corresponding account in our system for this consumer. Our system requires one of the following pieces of information to locate an account for any given consumer: consumer’s name, consumer’s full social security number, the creditor’s primary account number (e.g., a credit card account number), Eltman’s internal file number, or consumer’s work or home phone number. Of these items the current complaint contains only the consumer’s name and phone number. We searched our system using the name and phone number provided, however we were unable to locate any corresponding account. Unfortunately we are not able to fully address the complaint at this time as we have been unable to locate any account in our system based on the information provided in the complaint. We respectfully request that we be provided with one of the other pieces of information, if available. If the consumer has previously received any letter from our office, it would have Eltman’s internal file number on it, and likely also the primary (or “original”) account number. If either of those numbers are provided we can locate the account. Or, if the consumer is known by any prior name or alias/aka other than the name provided, that may also be helpful in identifying the correct account. The consumer’s full social security number would also assist in identifying the account, however we understand that the Revdex.com normally does not receive that type of personal identifying information. Please be advised that our firm does not furnish or report any data to the credit bureaus. Our firm does review some consumer credit information in connection with the collection of our client’s accounts, as permitted under the Fair Credit Reporting Act. This review is done using the consumer information provided to us by our clients, including name and social security number. Once we are able to identify the appropriate account(s) in our system for this consumer, we will perform a review of the matter and if any error was made in obtaining this consumer’s credit information for our client’s account(s), then we will work to rectify it and attempt to remove any resulting inquiry. We thank you for the opportunity to respond and look forward to resolving this matter. Please do not hesitate to contact our office should anything further be required. Very truly yours, Pushpa L. P[redacted] Eltman Law, P.C.[redacted]