Stephen Einstein & Associates, P.C.

After paying my account in full, this firm had the nerve to submit an order of garnishment to the Marshal service and had my pay check garnish because of their itic mistake Then I first contact MrL [redacted] (who by the way was handling my case the whole time), who transfer me to a rude Floid W [redacted] He had the nerve to try and flip the situation on me when obviously it was one of these people who sent my file to the garnishment department instead of closing out the case Then had the nerve to tell me I had to contact the Marshal or my Payroll department to stop the garnishment quicker This is their mistake and I have to correct it How do you make this mistake after all these years and when I paid off the debtVery unprofessional and incompetent firm They should not be allow to continue, especially when their grade is D+ and I am not the first person, they've done this to

Revdex.com:At this time, I have not been contacted by Stephen Einstein & Associates, P.C. regarding complaint ID ***.Sincerely,*** ***

We represent a hospital in a legal matter for recovery of medical fees due based upon treatments performed for the benefit of *** ***She has previously communicated her version of the facts to our firm and we in turn have sought a response from our clientOver the past few weeks our
office has attempted to reach *** *** in order to further our ongoing discussionsTo date, *** *** has not answered or attempts to communicateI have reviewed the entire call log on this file and can confirm there are no calls made on the weekends, in fact, our firm is not even open on the weekendI am unaware of any phone system issues which would cause callers to have their calls dropped or transferred to unused extensions, nonetheless, I have asked our phone vendor to investigate our system in the event there is an unknown issueIt is also our policy to not call individuals outside the hours of 8AM to 9PM, I do not find any record of calls made to *** *** in violation of that policyI have manually placed a Do Not Contact notice on this account to prevent any further attempted class per *** ***'s wishesHowever, I need to point out that this is a legal matter filed in the courts of New York and therefore I would urge *** *** to contact us personally or through an attorney to resolve the outstanding dispute

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
I have contacted them and spoke with them as well as my husbandThey call and when I answer they hang upThere are different numbers that call and yes I was called over the weekends at am I was called yesterday and I spoke again to a ** *** who was very nastyWhen I explained to him the bill I was being billed for was an overnight stay he said he never said that to me a year and a half agoThat was not in my fileMeanwhile the hospital changed the bill to not an overnight stay as per him but that I left against medical adviceHe also informed me I did not have insurance and that my insurance company stated that I needed a authorization to go in the hospital (if I didn't have insurance as per ** *** then why would my insurance need an authorization?)I did have insurance and never needed an authorizationThe hospital billed for an overnight stay which never happened We explained this to ** *** a year and a half ago and as far as I knew it was taken care ofNow a year and a half later I am getting calls and hang ups** *** was also very nasty to my husband yesterdayI have NEVER received any bill from the hospital or Steven Einsteins office, yet I'm told to pay a bill For something that never happen and if it did that I had insurance forThis is just ridiculousI was billed for overnight stay and left so how can there even be a bill??? It all makes no senseBilled over for a hospital stay that never happenThen the hospital changes the bill to left against medical advice for the same 2200?? Meanwhile through it all I had insuranceThe hospital even has all my info as I was there months prior for a monthI had *** *** and had 2/3rds my right lung removedI was rushed to the same hospital by ambulance because of severe pain and my lung had collapsedI stayed there for a monthHad surgeries and my insurance company paid everything.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

After paying my account in full, this firm had the nerve to submit an order of garnishment to the Marshal service and had my pay check garnish because of their itic mistake. Then I first contact Mr. L[redacted] (who by the way was handling my case the whole time), who transfer me to a rude Floid W[redacted]. He had the nerve to try and flip the situation on me when obviously it was one of these people who sent my file to the garnishment department instead of closing out the case. Then had the nerve to tell me I had to contact the Marshal or my Payroll department to stop the garnishment quicker. This is their mistake and I have to correct it. How do you make this mistake after all these years and when I paid off the debt. Very unprofessional and incompetent firm. They should not be allow to continue, especially when their grade is D+ and I am not the first person, they've done this to.

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Dear SIR/MADAM:Please accept this as a response to the above complaint of [redacted] (hereinafter “complainant”) against Stephen Einstein & Associates, P.C. (hereinafter “SEA”).SEA is a law firm primarily practicing in debt collection. In the present case, SEA represents LVNV Funding, LLC in efforts to collect on a [redacted]. defaulted account, account number XXXXXXXXXXXX[redacted]. This response is based on my review of the electronic activity file, documentation received and scanned by SEA, and documentation generated by SEA, all in the ordinary course of operations.On February **, 2016, this file was placed with SEA for collection. In accordance with applicable federal law, a 15 U.S.C. § 1692g validation letter requesting payment or contact was mailed to complainant at [redacted] on February **, 2016. This address matched the billing statements sent to complainant as recently as December 2015. Prior to this letter, SEA had no contact with complainant and no reason to believe that the billing address was not his primary residence.On March *, 2016, complainant called into SEA and spoke to a representative. Prior to disclosing his current address, the call was disconnected. During the conversation there was static and the sound of someone pressing buttons. The representative could not hear complainant and disconnected the call.Later that day, the complainant called SEA and spoke to another representative. The parties once again had a poor connection. The line had static and the sound of someone pressing buttons, both of which disrupted the conversation. During the conversation the parties discussed settlement, but were unable to reach an agreement as the complainant disputed the balance. The representative mentioned the possibility of a judgment, but did not suggest that there was a judgment entered or pending. At this time, SEA has not commenced suit against the complainant.During this conversation, the representative maintained a professional demeanor and made a reasonable settlement offer. The call was ultimately terminated when a resolution was not possible. The complainant’s dispute was recorded and will be addressed in compliance with all applicable laws. I hope this response adequately answers complainant’s concerns. Please feel free to contact me if you require anything further. Thank you for your attention to this matter. Very truly yours:____________________________________Michael A. B[redacted]
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Review: I am in the process of refinancing my property. In regards to this I was informed by the Bank that a judgment had been place on my property by this Attorney. I then contacted the Office and was told that this was in regards to a Credit card that was never paid. I informed the person that I never had that card. But my son had he in turn checked the social security number on record and found that t was the right one. I further checked [redacted] and [redacted] to see if their record show this application and account I was told that their was no record in their systems. My issue is that there is currently a Judgment that has to be addressed. I was never contacted that this was going to be done so that I could answer the complaint be for it was filed. I now have to hire an attorney to resolve this matter.Desired Settlement: I want this Judgment pulled from my property since it should never have been placed on my house. I again state that I never had the account this agency is attempting to collect. It is not my fault it the information that was given to them was wrong they should have checked into it further.

Consumer

Response:

At this time, I have not been contacted by Stephen Einstein & Associates, P.C. regarding complaint ID [redacted].Sincerely,[redacted]

Review: THE MAIN REASON FOR MY COMPLAINT IS THAT THIS COMPANY PUT A CIVIL JUDGMENT ON MY CREDIT REPORT WITHOUT VALIDATING ANY INFORMATION. THEY HAVE ABSOLUTELY RUINED MY CREDIT! THEY REPRESENT MIDLAND FUNDING COLLECTION AGENCY, AND I HAVE SPOKEN TO REPRESENTATIVES AT THIS COMPANY EXPLAINING THAT THIS WAS NOT MY DEBT. AFTER MY CONVERSATION WITH MIDLAND THEY STARTED HAVING THEIR ATTORNEYS (STEPHEN EINSTEIN AND ASSOCIATES) CALL ME REPEATEDLY AND SENDING ME LETTERS. NOW THIS IS WHERE STEPHEN EINSTEIN AND ASSOCIATES UNETHICAL COLLECTION PRACTICES CAME INTO PLAY. ONE DAY I CAME HOME FROM WORK AND THERE WAS A NOTICE TAPED ON MY DOOR (I WAS UNDER THE IMPRESSION THAT THIS KIND OF STUFF SHOULD BE SERVED OR AT LEAST BE SENT BY CERTIFIED MAIL). THE NOTICE SAID THAT THEY WERE TAKING ME TO COURT, BUT THERE WAS NO DATE OF A HEARING ON IT. I WAITED AND WAITED FOR ANOTHER LETTER WITH A DATE ON IT SO I COULD FIGHT IT, BUT THAT DAY NEVER CAME. ABOUT A YEAR OR SO LATER I PULLED UP MY CREDIT REPRT AND SAW A CIVIL JUDGMENT ON IT! I COULDN'T BELIEVE IT. I WAS SO MAD AND I DISPUTED IT ON ALL THREE BUREAUS. LUCKILY ONE BUREAU REMOVED THE JUDGMENT AND THE OTHER COLLECTION INFORMATION, BUT THE OTHER TWO DIDN'T. PLEASE HELP ME WITH THIS. I CAN'T HAVE THIS HAUNTING ME FOR 7 YEARS. I DON'T KNOW WHO ELSE TO TURN TO. I WANT TO THANK YOU IN ADVANCE FOR YOUR EFFORT AND I HOPE AND PRAY THAT YOU CAN HELP ME OUT WITH THIS PROBLEM.Desired Settlement: I WOULD LIKE THE JUDGMENT AND COLLECTION INFORMATION REMOVED FROM ALL THREE CREDIT BUREAUS.

Business

Response:

Dear [redacted]:

My office is in receipt of a complaint against our firm filed with the Revdex.com dated September *, 2013 with respect to the above referenced matter. I have reviewed the complaint and corresponding; legal file in my office and respond as follows:

We represent Midland Funding in the pursuit of recovery of amounts due and where necessary and lawful we file suit on their behalf. This file was referred to our office on April **, 2010 for collection and after a few weeks of unsuccessful attempts to contact and communicate with the consumer the matter was reviewed and approved for suit by an attorney in our office. A copy of the complaint is annexed hereto as Exhibit A.

Pursuant to New York's ; Civil Practice Law and Rules ("CPLR") § 308(4) . service of process was completed on July **, 2010 when a third-party process server affixed a copy of the summons and complaint on the door of the consumer at her last known address of [redacted]. A copy of the Affidavit of Service is annexed hereto as Exhibit B. Additionally, the consumer and acknowledges the service of the summons in her statement when "one day I came home and there was a notice taped to my door".

Pursuant to CPLR §'.120 the defendant has 30 days from the date the summons & complaint is served to formally appear and answer when served under 308(4). Here the consumer failed to answer the complaint, and acknowledges the same in her statement. The reason the court never gave her an actual hearing date is due to her failure to answer the complaint and appear as directed in the summons.

Pursuant ta CPLR §215 when the defendant falls to appear or plead in an action the plaintiff may seek entry of judgment on default. Here the consumer never answered be complaint and a default judgment application was made to the City Court of Tonawanda, and subsequently granted. A copy of the judgment is annexed hereto as Exhibit C.

A review of the file shows that at no time in the four years that it has been open in our office did the consumer ever contact our office or otherwise respond to any attempt to communicate about the underly ing claim. Additionally, the court has no record that the consumer has ever sought to challenge or otherwise contest the judgment entered against her since its entry on September **, 2010 despite the consumers own acknowledgement she was aware of the judgment as early as 2011.

Based on the aforementioned information it is our view that the com plaint filed by [redacted] is frivolous in nature. Clearly our firm abided by all state any federal laws in the commencement of suit and entry of judgment in this matter.

Business

Response:

Dear [redacted]:

I am in receipt of a second notification from your office dated September **, 2013 in the above referenced matter. On September **, 2013 our firm submitted a detailed response in the above referenced matter including attachments which clearly set forth that out firm complied with all state and federal laws in the commencement of suit and entry of judgment on behalf of our client Midland Funding, LLC for recovery of sums owed on a credit card debt Our firm restates all the responses as previously set for in our response dated September **, 2013.

The consumer debt arises from a credit card issued by Credit One Bank N .A. bearing the #[redacted] which was opened on or about January 2004, two years after the consumer had a Chapter 7 bankruptcy discharged in 2002. At the time this account was charged off by the creditor a balance owed of $1080.09 was due. On August **, 2009, my client Midland Funding LLC for good and valuable consideration obtained the legal rights this account and subsequently referred the file to our office for potential suit on April **,2010.

We respectfully submit that the Revdex.com is not the appropriate entity or forum to litigate a current legal matter in the State of New York. The consumer's complaint has been answered in detail and our firm has acted lawfully and properly in all aspects as attorneys in representation of our client If the consumer, or a lawful representative of the consumer, wishes to contact us directly we are happy to further discuss this matter.

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 they haven't given me the written proof that I've requested. It's just very hard for me to believe that I would have opened this credit line and not have remembered it. If you were to pull up my credit report you would see that I have several credit cards, none of which I've even had a late payment! After my bankruptcy I've been very careful not to get behind in my bills, The reason why I've requested written proof is because in the response letter they stated that this account was opened in 2004. I had no choice but to file bankruptcy in 2002 because I divorced my husband and all of the credit cards were in my name. He had a spending problem and he ran up all the credit cards and even opened up a few in my name that I didn't even know about until I filed the bankruptcy. I'm just a little suspicious that this account may have been one that he opened up after the divorce and the bankruptcy. At the time this account was said to be opened he was still living in the house that we had when we were married. He knows my social security number so he could have easily done this. I don't have any other accounts in collection and I've never even been late with a payment . It's just killing me that my credit is ruined because of this.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: Hi 4 years ago I went to the hospital because I thought I might have [redacted]. I had [redacted] the year prior with my lung removed so it was as per the drs request to go to the Hosp asap. I went in and it was determined that I didn't have it however they requested I stay overnight due to my history. The following day was my daughters grad and I told them I couldn't and left after signing myself out. About a year later I get a phone call from Stephen einsteins office stating I owed money to the hospital and I stayed overnight. I gave them the insurance information and my husbands union info as that is who handled everything. I have now been getting called ever since and I am always hung up on. I called the office numerous times and am given an extension where I again leave messages to stop calling me, but it continues. I get calls at 8 am on the weekends, say hello 3x and am hung up on. I am at my wits end. My phone doesn't give me the option on blocking so I can't do that, its just very annoying. I gotten.surance, I didn't stay over night. I gave all my information for everything stop calling. My husband is no w out on disb and can't sleep at night. When he does fall asleep the phones ringing from this Stephen einsteins office. Only to wake up and be hung up on again. Sometimes if we are not home we get a recorded message to call. I call, get transfered and nothing. Its ridiculous and unfair and doesn't stop. If I could take them to court I would that his bad it has gotten. I was telling my husband disb lawyer and was told to contact you and that I could even request the amt they "claimed" I owed for myself which is what I am now doing. I believe if they pay me what they claimed I owed them then this constant harassment would stop already.Desired Settlement: I would like the calls to stop and be paid what Stephen einsteins office claims I owed them. Maybe this way no one else will have to deal with the weekend 8 am calls and week calls only to be hung up on

Business

Response:

We represent a hospital in a legal matter for recovery of medical fees due based upon treatments performed for the benefit of [redacted]. She has previously communicated her version of the facts to our firm and we in turn have sought a response from our client. Over the past few weeks our office has attempted to reach [redacted] in order to further our ongoing discussions. To date, [redacted] has not answered or attempts to communicate. I have reviewed the entire call log on this file and can confirm there are no calls made on the weekends, in fact, our firm is not even open on the weekend. I am unaware of any phone system issues which would cause callers to have their calls dropped or transferred to unused extensions, nonetheless, I have asked our phone vendor to investigate our system in the event there is an unknown issue. It is also our policy to not call individuals outside the hours of 8AM to 9PM, I do not find any record of calls made to [redacted] in violation of that policy. I have manually placed a Do Not Contact notice on this account to prevent any further attempted class per [redacted]'s wishes. However, I need to point out that this is a legal matter filed in the courts of New York and therefore I would urge [redacted] to contact us personally or through an attorney to resolve the outstanding dispute.

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:

I have contacted them and spoke with them as well as my husband. They call and when I answer they hang up. There are 2 different numbers that call and yes I was called over the weekends at 8 am. I was called yesterday and I spoke again to a [redacted] who was very nasty. When I explained to him the bill I was being billed for was an overnight stay he said he never said that to me a year and a half ago. That was not in my file. Meanwhile the hospital changed the bill to not an overnight stay as per him but that I left against medical advice. He also informed me I did not have insurance and that my insurance company stated that I needed a authorization to go in the hospital (if I didn't have insurance as per [redacted] then why would my insurance need an authorization?). I did have insurance and never needed an authorization. The hospital billed for an overnight stay which never happened. We explained this to [redacted] a year and a half ago and as far as I knew it was taken care of. Now a year and a half later I am getting calls and hang ups. [redacted] was also very nasty to my husband yesterday. I have NEVER received any bill from the hospital or Steven Einsteins office, yet I'm told to pay a bill For something that never happen and if it did that I had insurance for. This is just ridiculous. I was billed for overnight stay and left so how can there even be a bill??? It all makes no sense. Billed over 2000.00 for a hospital stay that never happen. Then the hospital changes the bill to left against medical advice for the same 2200?? Meanwhile through it all I had insurance. The hospital even has all my info as I was there months prior for a month. I had [redacted] and had 2/3rds my right lung removed. I was rushed to the same hospital by ambulance because of severe pain and my lung had collapsed. I stayed there for a month. Had 3 surgeries and my insurance company paid everything.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,