Tate & Kirlin Associates

Review: On October 23, 2013 I received a copy of my credit report from Experian. A new entry from Tate & Kirlin has appeared. This company has bought a junk debt and is trying to collect on a zombie account. The original account was to be off my credit in June of 2013. It appears they purchased the account in August of 2013 and have started reporting it in October of 2013. This is highly illegal as they have also re-aged the account and have caused a derogatory outcome on my report. The report says that it is to be on my credit until may of 2016. The company has never sent a dunning letter and they are using illegal tactics to collect on this account. As they have repeatedly used these methods in trying to collect debts as shown by their B- grade and repeat offenses, I hope this matter can be handled promptly and without repercussion.Desired Settlement: This company must immediately remove all entries from any credit reporting agencies (Experian, Equifax, and TransUnion). Failure to do so without haste will force a lawsuit of at least $1,000 per entry. There is only a 10 day window I am extending to them to fix this issue before I file suit.

Business

Response:

We received the consumers dispute. We received the consumers account from our client [redacted] Based on your dispute the information has been order deleted from the consumers report and the account is being returned to the client along with your concerns.

We hope this information is helpful to the consumer

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: I received a letter addressed 11/27/2013. I asked to have the name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. • If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. • Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? • If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically: • A copy of the last billing statement sent to me by the original creditor. • State the amount of the debt when you obtained it, and when that was. • If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. • If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.Desired Settlement: If they delete account, cease reporting it to the credit bureaus, I will consider this matter resolved. Also, I would like my contact information deleted from their mailing/phone list immediately.

Business

Response:

We received this account from our client [redacted] on 11-8-2013, We originally sent our validation notice to the consumer on 11-11-13. On 11-26-2013 we received a new address from the post office and forwarded our validation notice on 11-27-2013. By this complaint we have received the validation request and have forwarded it to our client. We are closing the account in our office per the consumers request. I hope this information is helpful to you and the consumer.

Review: I received a collection letter dated 11/27/13 regarding a settlement opportunity for a client's debt ([redacted]). The client ref #[redacted], account #[redacted] and total due $193.04 was included in the letter. I have no idea what this debt could possibly be for and neither does their client, [redacted], who acknowledged that they do work with Tate & Kirlin Associates.

I called [redacted]'s member services tel ####-###-#### today, Saturday 12/7/13 and verified that I had an order history of 3 past orders. May 4, 2010 (which was cancelled), June 22, 2011 (which was paid in full Sept 17,2011) & July 30, 2011 (which was cancelled). I am 84 years old and have Alzheimer's disease. My daughter & son-in-law now handle all of my finances, however I have always had a perfect credit record and have never not paid a debt due. [redacted] was very apologetic and volunteered to put my address and telephone # on their Do Not Contact List to alleviate the possibility of any future billing problems. They reiterated that they have no idea why Tate & Kirlin Associates would be pursuing a debt in their name.

I will be sending a Debt Validation Letter but understand that Tate & Kirlin Associates are not obliged to answer or provide any further details. I am also aware that MANY others have done the same and ultimately ended up with negative reports on their credit history despite repeated attempts to get more information and resolve any collections actions.Desired Settlement: If they delete my account and do not report it to the credit bureaus, I will consider this matter resolved.

Business

Response:

We received this account from our client [redacted] on 10-14-2013. We have not and will not report this to the credit bureau. We have closed the account back to our client.

We hope this information is helpful to you and the consumer.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: I have received 3 collection notices from these people. I have no idea what this bill is or even the company they claim to represent. I am not paying a bill without proof that I owe that billDesired Settlement: I would like this company to be stopped. My family as huge medical bills for my husband and had I not been paying attention, I fear I may have paid $$ to this scam!!! I am concerned for others who may fall victim. This should be illegal!!

Business

Response:

This account was received in our office on 5/31/14 by our client [redacted]. Tate and kirlin sent three letters to this customer and did not receive a response. Tate and Kirlin will request for validation of this debt from our client [redacted]. Tate and kirlin will cease all attemps to collect on this debt until validation is received

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

The letters did not even have [redacted] on them. Yes. They attempted to bill me fraudulently (Tate and Kirklin) but I have never heard of the business they claim to represent.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: I have found Tate & Kirlin on my credit report and would like to know why! I do not even know who this company is and who they are representing. Please explain why this is on my credit report and who they are associated with; what company do they represent? Is there a debt I owe? I would like to make sure there has not been fraud with someone using my name for purchases. I do not have knowledge of any association with this company. I just want to know why they are doing an inquiry on me.Desired Settlement: To gain more information about this company and who they are associated with. To know if there is some bill out there in my name I am not aware of! I want an explanation as to why this company would be doing a credit check on me.

Business

Response:

The information provided by the consumer wasn't enough to locate the account in question. We might need the consumers maiden name or different phone numbers. The consumer can contact me directly at ###-###-####. My name is [redacted]

Review: This company/agency has placed 3 negative items on my credit reports.I have no knowledge of any outstanding debts with this company or it's customers.I have never received any type of correspondence from this company,stating I have a outstanding bill/debt with them or it's customer.I believe this company is malicious and out to scam on personal data they acquire from whomever.Desired Settlement: I would like for this company to send me some form correspondence or documents if I have some valid debts to paid.Including the original creditor,types of services/products,and dates of services.If they can not provide the appropiate data I would like for all 3 negative items reported to all 3 credit bureaus removed ASAP.

Business

Response:

We received this account on 01/2014 from our client [redacted] We have made the client aware of the consumers validation request and are requesting the credit bureau deletions. The account is closed in our office and no further contact will be attempted. I hope this information is helpful to you and the consumer.

Review: I receive phone calls from this company three or four times per day. I have left messages with them that the person they are trying to contact is NOT at this number (I have had this number for about 9 months.). They continue to call three or four times per day.Desired Settlement: I would like them to discontinue calls to my number.

Business

Response:

WE HAVE REMOVED THE NUMBER FROM OUR FILE AS OF TODAY 3-6-2013 AT 4:25PM AND WILL NOT MAKE ANY MORE CALLS TO THAT NUMBER AS OF THIS DATE AND TIME.

WE HOPE THIS INFORMATION IS HELPFUL TO YOU AND THE CONSUMER

Review: Tate & Kirlin Associates Account#[redacted] failed to validate this alleged debt per my letter request dated June 17, 2014 therefor violating the FCRA, FDCPA, under Arkansas state statue. I have proof of this; certified mail#[redacted]. Also, I sent a dispute to all credit bureaus([redacted],[redacted],[redacted]) but no response, which again violates the Fair Debt Collection Practices Act.Desired Settlement: I would like this removed from all credit reports([redacted],[redacted],[redacted]) or I will be forced to take legal action if it is not removed my credit files immediately. Tat & Kirlin Associates has been notified.

Business

Response:

This account was placed in our office on 01/08/2014 from our client [redacted], on 06/24/2014 we received a letter from the customer requesting documentation.on 06/26/2014 Tate and Kirlin Associates cancelled any negative reporting our company placed on the credit report, the account was placed in dispute status and returned to our client [redacted] on 07/08/2014.

Review: On July 5th 2014 I checked my [redacted] credit report, and much to my surprise I had new "potentially negative" information that had been added to my report. A new collection listing from Tate and Kirlin appeared--and I have absolutely NO idea what it could be from, where this account originated or what I could have possibly have been sent to collections for. I have never received a dunning letter, or ANY explanation/information as to what this supposed debt is from. My credit report states it originated in May of 2014, and was late as of June 2014--but I have no known debts from that time period (no doctors visits ect, and definitely NEVER received a bill from the original debt or ANYTHING from Tate and Kirlin). I was extremely concerned with the debt reported on my credit history and its damage to my score, and I sought to look up the company--I have found many other people who have had similar experiences. I feel this has been improperly handled, and needs to be removed quickly. It threatens my credit history for completely unfounded reasons. I would like this resolved by the company immediately.Desired Settlement: I would like the account immediately removed from ALL credit reporting agencies, and my credit restored to its original state before this unfounded charge was added. If they delete the account (removing it immediately), and permanently cease reporting it to any and all credit agencies--I will consider the matter resolved. If it is not resolved promptly, I will have to take additional action.

Business

Response:

This Account was placed in our office on 5/30/14 by our client [redacted] LLC. After futher investigation Tate and Kirlin has reguested to have this removed from the customers credit report. Please note that this could take up to 90 days to be removed

Review: I received a letter in the mail dated 4/16/14 and 5/20/14 from this company stating I owe $6,254.87 from a creditor name [redacted]. I have never had an account with the company nor do I owe this debt. The letter states they will take a settlement of $625.49.I have told this company that this debt is not mines, they can't prove it and to stop sending me harassment letters. I have already filed a police report against this company and willing to go farther with actions against them. My only request is to remove my name from your database and stop sending me harassment letters for a debt I never had!Desired Settlement: To remove my name from your database from a debt I never had and stop sending me harassment letters!

Business

Response:

This account was placed in our office on 3/11/14 by our client [redacted]. Collection letters were sent on 3/26/14,4/16/14 ,5/20/14. AAll collection efforts have ceased and this account was returned to [redacted] on 9/11/14.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Do not send me anymore harassing letters for something that does not belong to me!Regards, [redacted]

Review: Trying to collect a debt over 10 years old. Filed Chapter 7 in 2004, Case # [redacted]. Original Source "Household Bank'. Still receiving these notices.Desired Settlement: Stop collects and having the collector removed from all of my credit reports.

Thank You.

Business

Response:

Tate and Kirlin has ceased all collection efforts on the Acct. Acct was sent back to our client Tate& kirlin does not report to Credit Bureau

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: I have contacted Tate & Kirlin & Associates and have informed them I have paid this account in full they have not provided me any proof that I owe this bill yet they continue to report negative to my credit, harass me and send me letter and I do not owe thisDesired Settlement: I want a letter stating this account is closed and it has been removed any negative reporting from my credit agencies

Business

Response:

The consumers account was placed to our company by our client [redacted] on 5-8-2013. The account was closed in our office on 6-4-2013. Our company does not report [redacted] accounts to the credit bureau. There has been no attempt at contact since 6-4-2013. We hope this information is helpful to both you and the consumer.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

I have pulled my credit report and [redacted] is on my credit report. If this account was closed and you do not report to the credit agencies it would not be on my credit.

Please send letters to all credit agencies and have it removed.

Regards,

Business

Response:

[redacted] is the owner of the debt, Tate & Kirlin Associates, Inc is the collection agency that [redacted] hired to attempt to collect the debt. [redacted] would have to remove the credit information from the credit bureaus. We will communicate your complaint to the client.

We hope this information is helpful to you and the consumer

Review: I reviewed my Experian credit report tonight as I am going through the mortgage process and have been monitoring balances. I noticed a collection account from this company that has no validity. I have never received a dunning notice for this debt. I have no idea what this debt is even for. I have never heard of the company the debt is from. This collection is going to threaten my current mortgage process. If this debt is not removed from my report I will seek legal action. I have listed my email and phone number. Feel free to contact me to explain this situation.Desired Settlement: I want this item removed from my credit report OR send me a listing as to when this debt originated, and a breakdown of what the charges are for to prove its validity.

Business

Response:

We received the consumers dispute. We received this account from our client [redacted]. on 8-16-2013. We sent three letters the first on 9-6-2013 and the second on 9-23-2013 and the third on 10-15-2013 to the address [redacted]. We received a call from the consumer on 10-19-2013 regarding the third letter. Because of the dispute we are deleting the information from the credit report today 10-28-2013 and closing the account back to the client. We hope this information is helpful to the consumer.

Review: I received phone calls with No Caller ID info. I also received a letter addressed 7/25/2013.

I asked to have the name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.

• If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other

name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.

• Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?

• If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.

The amount and age of the debt, specifically:

• A copy of the last billing statement sent to me by the original creditor.

• State the amount of the debt when you obtained it, and when that was.

• If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.

• If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.Desired Settlement: If they delete account, cease reporting it to the credit bureaus, I will consider this matter resolved. Also, I would like my contact information deleted from their mailing/phone list immediately.

Business

Response:

We have closed the account in our office and have notified the client of the consumers concerns. Once we receive the verification information from the client , we will forward that to the consumer. Our company does not report information to the credit report.

I hope this information is helpful to the consumer.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: This firm is trying to collect for a company no longer in business that is fraudulently trying to collect a bill that I no longer owe to [redacted] services I have never owed them any money in the past or the future. this firm failed to provide me with an itemized bill for the charges they claim I owe. this law firm is committing fraud by trying to collect for a compnay no longer in business [redacted] services. and that I don't not owe.Desired Settlement: never contact me again or I will file fraud charges.

Business

Response:

Tate & Kirlin Associates received this account in our office on 7/15/2014 from our client [redacted] which owns the debt from [redacted] ServicesTate and Kirlin Associates is no longer servicing this account for our client, the account was return to [redacted] on 8/29/2014.I do hope this information was helpful.

Review: This company calls each and everyday - sometimes several times in a day. They are calling for my daughter [redacted] - WHO has not lived there in a LONG time. No matter what I do I am unable to talk to a person to tell them this and to quit calling. I am sorry she doesn't pay her bills but she is 26 years old. I am given to options on their automated call press #1 if I am her....no one picks up or press #3 and that just goes to music and they eventually hang up.Desired Settlement: I want them to quit calling me

Business

Response:

WE REMOVED THE PHONE NUMBER AND HAVE SUSPENDED THE ACCOUNT ON OUR END

WE HOPE THIS INFORMATION IS HELPFUL TO YOU AND THE CONSUMER

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: [redacted] mistakenly charged me an "early termination fee' that did not apply, and gave that account to Tate & Kirlin. When I received the first collection letter, I contacted [redacted], who said they would contact Tate & Kirlin and have the account closed. [redacted] assured me that Tate & Kirlin would close the account, remove the report on my credit history, and send me a letter stating that the account was closed.

I have received a second debt collection letter. [redacted] have again told Tate & Kirlin the account is closed. When I called Tate & Kirlin, they said the account was closed but they would not report that to the credit agencies. The collection is still on my credit report as on 3/12/14.Desired Settlement: I want a letter from Tate & Kirlin stating this account is closed. I want Tate & Kirlin to report to the credit agencies that this collection is no longer on my account and was never supposed to be there.

Business

Response:

We received this account from our client [redacted] on 12/2013. The account was recalled from our office by [redacted] on 3-12-2014. We were unaware of the customers dispute until the customer called our office on 3-12-2014. The account is closed in our office and the credit bureau has been notified to remove the this record.

We hope this information is helpful to you and the consumer.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

Review: I received a collection letter from this company late last year stating I owed a debt to a company called [redacted]? I asked the nature of the debt and I was told it was a medical bill from 2011. This was the first time I was made aware of this debt and reading the letter it had two previous collection agenices ([redacted] and [redacted]) that never notified me of this debt. I explained this to the person I spoke with, [redacted], but it appears that this debt was reported to the credit bureaus anyway. I explained to the agent that I have held the same medical insurance, [redacted], for the past 11 years and also informed her that my employer's payroll system was hacked by a sub contractor (I have evidence of this that can be faxed to your office for review) and the person who committed this criminal act was apprehended in Florida. His name is [redacted] and I do possess the police report and news article of this case.

If this account was created by another person, than I do not know who this person may be.

I have tried unsuccessfully to contact the previous two collection agencies, my phone calls or emails have not been returned.Desired Settlement: I want this collection account removed from my credit report as I did not incur this debt and this agency has not done a very good job in ensuring that I was the one who created this account with the company I was told services was used.

Business

Response:

We received this account from our client on 8-13-2013. The customer alerted us of her dispute on 11-18-2013. The account has been on hold and no calls or attempts have been made since that time. We have made the client aware of the customers dispute.

Review: Tate & Kirlin & Associates has failed to respond to my request for documentation as well as other requests in my written communication, dated March 4, 2014.Desired Settlement: In addition, I request proper reporting to any and all credit reporting agencies, as well as written communication to me following my requests.

Business

Response:

We received this account from our client [redacted] on 12-10-13. We received the consumers request for validation on 3-5-2014 and requested the information from our client.To date we are still waiting on the documentation and have put in a second request. When we receive the information we will forward it on to the consumer. We hope this information is helpful to you and the consumer.

Consumer

Response:

Review: [redacted]I am rejecting this response because:

I am submitting the payment history as submitted to me by my legal representative (limited special power of attorney) for debt settlement purposes regarding the referenced debt (account). I am attempting to resolve my complaint regarding Tate & Kirlin & Assoc. by providing the information for your procurement, so that you might resolve my complaint as per my original request. Please note: according to the payment history submitted here, the debt referenced by Tate & Kirlin & Assoc. was resolved as of 09/2013 with [redacted]. Please honor my requests as per my original written request sent to Tate & Kirlin & Assoc. on behalf of [redacted], immediately. Any further delay in resolving this issue will continue to cause damage to me and my to credit through inaction and failure adhere to my requests, as per my original requests. In addition, inaction and failure to do so will violate the FCRA, and I will be forced to introduce my complaint to any and all governmental oversight agencies and/or credit reporting agaencies.

Thank you for your immediate and unmitigated attention to this matter.Regards,[redacted]

Business

Response:

Good Morning,

Our answer is,

The proof of payment supplied by the consumer is for a service provided on 8-13-2009 with the original account number of [redacted] as referenced on the proof of payment supplied. The bill we are servicing is for a date of service of 2-16-2010 with an original account number of [redacted]. Tate & Kirlin Associates, Inc is authorized to collect in the state of MI and has an issued certificate of authority for the MI department of labor and economic growth.

We have the documents requested but will have to send directly to the consumer because of HIPPA concerns. We need a good address to send the information.

The consumer can contact me directly at ###-###-#### my name is [redacted] if she so chooses.

Thanks I hope this information is helpful to you and the consumer.

[redacted]

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.

Please have **. [redacted] forward the documents to me at the address notaed on the original complaint.

Thank you.Regards, [redacted]

Review: Account # [redacted]- I have sent in multiple certified letters to previous collection agency on this account [redacted] EMERGENCY PHYSICIANS and showed them documents where I was a victim of identity theft, I was told they will delete, instead information was sold to this agency, and this company is in violation of the law.

Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date, this company is reporting to the credit bureaus as a new debt. (December 2013) It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. Due to this fact, I will not hesitate to file a lawsuit since you are reporting inaccurate information to the credit bureaus.Desired Settlement: Please provide me with the following:

What the money you say I owe is for;

Explain and show me how you calculated what you say I owe;

Provide me with copies of any papers that show I agreed to pay what you say I owe;

Provide a verification or copy of any judgment if applicable;

Identify the original creditor;

Prove the Statute of Limitations has not expired on this account;

Show me that you are licensed to collect in my state; and

Provide me with your license numbers and Registered Agent.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Business

Response:

We received the account from our client on 12-17-2013. The original creditor is [redacted] Emergency Physicians. We have made our client aware of the validation request and have closed the account in our office. We hope this information is helpful to you and the consumer.