|
11653759
|
2025-01-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Late XX/XX/XXXX I recieved a letter stating i must appear in court on XX/XX/XXXX at XXXXXXXX XXXX being sued by Rubin and Rothman for a XXXX XXXX XXXX credit card debt of XXXX. In XX/XX/XXXX I recieved court papers to respond to and I did that by denying the debt and requesting proof of debt and ownership etc. I received NOTHING from them until XX/XX/XXXX which was a mailed court appeared letter.
I appeared there today on XX/XX/XXXX at XXXX and was informed that the date was changed to XX/XX/XXXX XXXX and a default judgement was made against me.
I did not receive any notice of this change in court date. I feel this is a tactic to win by default. This company asked for a sooner court date and never notifed me so i could appear. I appeared in court and it is truly unfair that this can happen.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10808812
|
2024-11-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-11-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Rubin & Rothman , LLC are in violation of my consumers right to privacy in the FCRA, USC 1681a ( 4 ). As a natural person I ( XXXX XXXX ) never gave clearance or consent for Rubin & Rothman , LLC to have my information. Rubin & Rothman are in violation of the FCDPA, USC 1692e ( 9 ) and USC 1692e ( 13 ) that clearly states there is no attorneys in commerce USC 1692i ( b ) and Rubin & Rothman are using deceptive forms USC 1692j ( b ) which is a violation and using these forms to coerce payment, which is another violation USC 1692d ( 4 ). Rubin & Rothman , LLC are in multiple violations in my affidavit of truth.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11382048
|
2025-01-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-01-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11293745
|
2024-12-28
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11345316
|
2025-01-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-01-01
|
| Submitted Via |
Web
|
| Company Response |
In progress
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-01
|
|
|
11178143
|
2024-12-16
|
Electronic communications
|
Debt collection
|
|
| Issue |
Electronic communications
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated messages
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-12-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
After I paid online it went straight back to make a payment screen. There was no confirmation that I made a payment. So I called the company Rubin & Rothman and made a payment again, as I was told a glitch in the system mustve happened and my payment didnt go through! Then when I asked for a confirmation number to be sent to my email I was told a third party handles that and they would be sending me a letter in the mail. This is my second time making a payment to this debt collector and I have not received any confirmation by email or by snail mail yet. So please advise as I am unable to obtain proof of payment made.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11267300
|
2024-12-24
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-12-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Initially, Rubin & Rothman sent their process servers out to my parents place on several occasions in attempt to serve me papers a few years back. At the time, I did not reside at that address.
They would come frequently, pestering my parents demanding to serve me documents for XXXX XXXX XXXX and XXXX. To the point it became a nuisance.
Each time, theyd come to my parents asking if I was currently home, if I still lived with them, putting fear into my parents if they were withholding my location by way of threatening legal actions against me.
For XXXX, my account was closed more than XXXX years ago before they came at me with papers.
As for XXXX, nothing shows I owe anything on my credit history and yet I am being served with papers from the same Rubin & Rothman attorneys that have also contacted my work of Employment ( as I requested that they not to ) and now garnish my wages knowing there wasnt any proof on the credit bureaus report that I owed. These Attorneys have been threatening to take legal actions as intimidation factor so I would submit to them and their Overcharged additional processing and legal fees which is above the original Creditors supposed principal balance.
They are difficult to get ahold of and when I do, they either have picked up after several rings, then immediately hang up. Also, have given me the round-around on who to contact or what the contract entails and so forth, all in order to confuse and press me into agreeing to their deceptively, unethical practice. They have withheld what my rights are to bind me into a contract with them.
Theres more to add. As of now, I wanted to state this.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10664918
|
2024-11-02
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-11-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Received a letter from Rubin & rothman LLC about debt that not been validated, the information is inaccurate and incorrect.
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : XXXX ) THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR XXXX ) VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT XXXX ) ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT XXXX ) ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO 5 ) Pursuant to local state laws as well as the FDCP and FCRA, I'm requesting validation with proficient contractual evidence bearing my signature obligating me to pay your company.
UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtor 's credit ) until you properly validate and verify the debt amount.
Please do not look at my credit or report anything to my credit reports as Idispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
Thank you for your immediate cooperation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6622612
|
2023-02-27
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-02-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5279375
|
2022-03-03
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Other debt
|
| Date Received |
2022-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Rubin and Rothman, LLC sued me Last year for a Debt I did not Have with Them or Owed them At All. And Has Unlawfully Reported it to The Consumer Reporting Agencies without My permission and Has Cause me Severe Loses. Due to the Inaccurate Information that is on MY Credit Profile.I did not given RUBIN AND ROTHMAN Permission to Contact Third Parties with my Private or Personal Information. By Obtaining my Credit Profile on XX/XX/21. Without Permissible Purpose RUBIN AND ROTHMAN Violated The Fair Credit Reporting Act. { FCRA } codified 15 USC 1681 { b } { a } { 3 } { f } { i }. I have not Initiated Any Transaction with RUBIN AND ROTHMAN, Furthermore I do not have an Account as Defined under 15 USC 1693 { a } { 2 } for Review or Collection. And Must Delete That UNAUTHORIZED INQUIRY IMMEDIATELY.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5394412
|
2022-04-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
I do not know
|
| Date Received |
2022-04-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-04-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2699396
|
2017-10-11
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Auto debt
|
| Date Received |
2017-10-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
My husband had financed a car from XXXX car 's and he had lost his job so he had to give the car back because he was n't able to finish paying for it,. Then i think a year later i received a letter about a debt that i owed from a lawyers office and my bank account got frozen,. My rent was late because i could n't take out the money for my rent since the lawyers office they obtained documents to freeze my bank account,. I co signed for the car and my name is the only XXXX that there sending letters too,. My husband had called to setup payments they never called back and then few months later i get a letter from XXXX XXXX XXXX 's office a city marshal that there getting into my wages to take out the debt,. They contacted my employer about the matter and the letter said that they will take out the money from my wages from work,. My supervisor called me regarding this matter,. I am embarrassed and humiliated that they have to go through my employer and i can loose my job regarding this matter. Thank you.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4869582
|
2021-11-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Auto debt
|
| Date Received |
2021-11-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On or about XX/XX/XXXX, I was served with papers for a lawsuit in the Civil Court of the XXXX XXXX XXXX XXXX from Rubin & Rothman , LLC, XXXX XXXX XXXX, XXXX, N.Y. XXXX. They stated they represented XXXX XXXX XXXX and the amount being sought was {$5700.00}. There was no warning of a pending lawsuit or any attempt to collect any money from either XXXX XXXX XXXX or Rubin & Rothman LLC. This attempt at collecting {$5700.00} makes no sense since I had already paid off any debt that I owed XXXX XXXX XXXX. I voluntarily surrendered a car to XXXX XXXX XXXX in XX/XX/XXXX. I paid off any debt owed from the car in XX/XX/XXXX. My credit report indicates this. ( I am enclosing a copy of the credit report which pertains to XXXX XXXX XXXX ) Both XXXX and XXXX state I have a XXXX balance and my past due amount is XXXX. XXXX notes in it comments, " Account legally paid in full for less than the full balance. '' I had an agreement with XXXX XXXX XXXX to make three payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which I made to fully pay off the car which my credit report indicates. What makes no sense on my credit report is that XXXX states I owe {$6900.00} which is not the amount that Rubin & Rothman state I owe. In addition, the XXXX report states I have been paying off the car in XXXX and XXXX even though I turned in the car in XXXX and have not made any payments on the car in XXXX and XXXX.
I answered the complaint on XX/XX/XXXX, in the Civil Court of New York. I said I did not owe the debt and that I paid off the debt already. In addition, I mentioned that I was a victim of identity theft and stated that the identity theft may have something to do with the lawsuit. I spoke with XXXX XXXX of Rubin & Rothman on XX/XX/XXXX. He confirmed to me that the car was voluntarily surrendered on XX/XX/XXXX. He also stated the car was sold in XX/XX/XXXX. I never received any notification of this. He also confirmed to me that I had made three payments to XXXX XXXX XXXX, 1 ) {$440.00} in XX/XX/XXXX 2 ) {$1300.00} in XX/XX/XXXX and 3 ) {$1300.00} in XX/XX/XXXX. I told him that is when I paid off the debt so why are you suing me. He responded that he would have to check with XXXX XXXX XXXX to see exactly how much I owe. I told him that the credit reports state I have legally paid off the debt and he responded that he doesn't look at credit reports only papers that XXXX XXXX XXXX gives him. He also stated that he does not report anything to the credit bureaus.
I the3n received a letter from Rubin & Rothman stating to me to give them a statement of Identity Theft and to review my credit reports. This after Mr. XXXX had already told me that he does not look at credit reports. I did respond to their letter giving an explanation.
Today on XX/XX/XXXX, after speaking to XXXX XXXX who gives me credit counseling, I called XXXX at their direction. I spoke with XXXX ( work # XXXX ) and asked him who was reporting that I owed a balance to XXXX XXXX XXXX and have been paying for the car in XXXX and XXXX. He responded that XXXX XXXX XXXX reported this and reported this to XXXX on XX/XX/XXXX. I explained the situation to him, and he advised me to file a complaint with CFPB which I am.
I have been treated very unfairly by both XXXX XXXX XXXX and Rubin & Rothman. I feel I am being harassed. I am being sued for a debt I already paid off. I was given no warning of getting sued. I was just served with papers. The law firm admits I made payments months after I surrendered the car. They also admitted that they don't know how much I owe due to these payments. My credit report confirms that I paid off the debt legally and have a XXXX balance. It also appears that XXXX XXXX XXXX is reporting incorrect data to XXXX credit bureaus was confirmed by the representative from XXXX. I am enclosing the necessary documents from my credit report for your review as it pertains to XXXX XXXX XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3231657
|
2019-05-03
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-05-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/XXXX, I was advised by my employer 's legal department that Rubin and Rothman LLC mailed a subpoena requesting my salary information. The subpoena notes the creditor as XXXX XXXX. for a credit card account that was closed on XX/XX/2009. Thus the statute of limitation to collect for this debt has passed.
I also received a letter from the XXXXXXXX XXXX office requesting payment 20 days after the mailing of XX/XX/XXXX.
I can not afford an attorney, and I have never been issued a subpoena. I will greatly appreciate guidance on how to proceed.
Thank you,
|
| Consumer Consent Provided |
Consent provided
|
|
|
4499272
|
2021-06-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-06-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7205153
|
2023-07-04
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-07-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2966554
|
2018-07-18
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Auto debt
|
| Date Received |
2018-07-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Communication, dated XX/XX/XXXX, was sent to my employer, regarding a debt from 2010. There were several inappropriate and/or illegal statements in their communication.
1. They state very clearly that they are attempting to collect a debt and go on to list the amount owed and the date of entry. ( FDCPA [ 15 USC 1692c ] 805 ( b ).
2. The list of questions that they demanded answers to went well beyond what is allowed and included, but not limited to the following : a ) NAME OF MY BANK AND ACCOUNT NUMBER, b ) NAME AND ADDRESS OF CREDIT UNIONS AFFILIATED WITH MY EMPLOYER, c ) LIST OF ANY CURRENT ATTACHMENTS AGAINST MY SALARY, TOTAL NUMBER OF ATTACHMENTS, NAME AND ADDRESS OF EACH CREDITOR AND BALANCE DUE ON EACH ATTACHMENT.
d ) IF I BELONG TO A UNION, NAME & ADDRESS OF UNIOIN AND MY CURRENT ID NUMBER.
e ) SSN, job title and department f ) gross earnings 3. The debt is beyond the statute of limitations.
4. I have never received any written communication from them or an accounting of what they claim I owe.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8368686
|
2024-02-19
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted you after you asked them to stop
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-02-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
The law office of Rubn and Rothman LLc address po box XXXX XXXX ny XXXX their contact information is phone XXXX XXXX the reference number is XXXX .my complaint is that they unlawfully filed a judgment against me for a very old credit card debt from XXXX 's account ending in XXXX the debt is very old since XXXX and it over the Statue of limitations. The law office abuse their power by trying to used tactics to collect a very old credit card debt and unlawfully filed a civil judgment against me. Last four of social security number is XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2885913
|
2018-04-24
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Collected or attempted to collect exempt funds
|
| Sub Product |
Other debt
|
| Date Received |
2018-04-24
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
3029674
|
2018-09-26
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-09-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2926100
|
2018-06-04
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Auto debt
|
| Date Received |
2018-06-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2877919
|
2018-04-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-04-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This has been an ongoing issue with XXXX XXXX XXXX. They keep sending this account to different collection agencies, XXXX XXXX, then, XXXX XXXX and now Rubin & Rothman, LLC.Sent letters in XXXX, XX/XX/XXXX, In XXXX sent letters in XXXX and XXXX to validate my dispute of the amount of {$19000.00}. Failed to provide me with a copy of any viable evidence bearing my signature. Requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Requested " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports including XXXX, XXXX and XXXX from your company or any company that you represent for a debt that I don't owe is a violation of the FCRA & FDCA therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. It is a violation for : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Furthermore, XXXX XXXX and XXXX XXXX were sent certified letters in XXXX and XX/XX/XXXX and did not respond in a timely manner to my initial letters which violated Federal law. In XXXX v. XXXX XXXX XXXX. No XXXX ( C.D. Cal XX/XX/XXXX ), they can be liable for willful non-compliance. By violating federal law, by not properly investigating with the required timeframe, and I have the evidence of such, via certified mail receipts, the item must now be removed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1532163
|
2015-08-24
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
Credit card
|
| Date Received |
2015-08-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-08-24
|
| Company Public Response |
Company chooses not to provide a public response
|
| Complaint What Happened |
I have made a lot of attempts to settle with this credit card from XXXX XXXX but they did not want to help me and now it is at the Sheriffs department to take my wages that I do not have. I just recently opened a small business and have not made any money and they just want to take what I do n't have to give, I offered to settle for {$1500.00}, and they denied to settle for that. This is my last credit card that I owe, due to me losing my job in the past and went to a debt consolidation company that was suppose to help me and did n't so now all I want is this to be taken care of. They are with XXXX right now and they do not call me back, they are avoiding my calls, just goes the rep 's voicemail but they never call me back, I do n't understand why I can not get this resolved.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2246436
|
2016-12-12
|
Problems when you are unable to pay
|
Consumer Loan
|
|
| Issue |
Problems when you are unable to pay
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2016-12-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/2015 I filed Chapter XXXX bankruptcy protection which included XXXX. Around XX/XX/2015 by bankruptcy was XXXX also the debt of XXXX. Today in the mail I received a letter from XXXX trying to collect this debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1815877
|
2016-03-04
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Auto
|
| Date Received |
2016-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
in 2005 i bough a ford focus but i return the vehicle because it was defective the car could not start the tow truck came and pick it up i did not get it back 6 years later i was contacted a debit collector Rubin & Rothman they call me several time on the phone and send letter in the mail i keep telling them i do't have a contract and i do n't owe any money i have a XXXX balance i have contact ford XXXX and the account is close but Rubin & Rothman keep calling and sending letter in mail they take away both of my account saving and checking value {$6000.00} that 's more than the car cost
|
| Consumer Consent Provided |
Consent provided
|
|
|
2305999
|
2017-01-23
|
Billing disputes
|
Credit card
|
|
| Tags |
Older American
|
| Issue |
Billing disputes
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Credit card
|
| Date Received |
2017-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2017-01-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XXXX acct has XXXX insurance and they refuse to activate the insurance on the acct they prefer to go to a colledction agency which is fraud! GO AFTER THEM AND GET THEM TO ACTIVAE THE INSURANCE AS I AM XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2568642
|
2017-07-08
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2017-07-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XXXX, XXXX, 2017 I found out that a " Bank Levy '' was placed on my XXXX XXXX account by Rubin & Rothman LLC. Placed a hold on all my account funds & Deduction of {$450.00}. I was never summoned to court or sent a letter to dispute or for debt to be validated before placing a " Bank Levy '' on my account, causing me severe financial difficulties and more fees to other bills that I had paid and were returned due to Rubin & Rothman LLC placing a Bank Levy without any prior notification or writing notices. I feel my consumer rights were violated by Roth & Rothman.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10174308
|
2024-09-18
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
951993
|
2014-07-24
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued w/o proper notification of suit
|
| Sub Product |
Credit card
|
| Date Received |
2014-07-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-07-24
|
| Consumer Consent Provided |
N/A
|
|
|
1241855
|
2015-02-16
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted employer after asked not to
|
| Sub Product |
I do not know
|
| Date Received |
2015-02-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-02-23
|
| Consumer Consent Provided |
N/A
|
|
|
2160494
|
2016-10-14
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Rubin & Rothman, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
I do not know
|
| Date Received |
2016-10-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-10-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
