|
8302361
|
2024-02-07
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
I do not know
|
| Date Received |
2024-02-07
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-07
|
| Consumer Consent Provided |
N/A
|
|
|
1555469
|
2015-09-08
|
False statements or representation
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Credit card
|
| Date Received |
2015-09-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-09-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I have been harassed and overcharged by XXXX since I opened the account in XXXX 2011. Now they have forwarded the account to Foster and Garbus LLP.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8268453
|
2024-02-01
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-02-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-01
|
| Complaint What Happened |
I contacted XXXX regarding a debt listed on my credit report from XXXX. XXXX gave me the phone number to contact XXXX XXXX XXXX at XXXX. I indicated I wanted validation and verification of the debt they were attempting to collect. XXXX gave me the number for Foster & Garbus to contact regarding the debt. The gentleman I spoke to not once listened to the reason for my call and was very rude. after 5 minutes he finally listened. I told him I need validation and verification before I could resolve the debt to make sure that company was legitimately accurate to speak about my personal business. He then gave me the number to speak to Compliance at XXXX. The woman on the phone said that was not the correct department to speak with to get validation. She transferred me to a gentleman who was very argumentative and refused to take my new address to send the validation response. I also notified him that If they were legitimate then I would like to settle the account. He then told me, " No settlement, and I need payment in full. I asked him if he is refusing to settle my account, he said I can not. This business has poor customer service and are very argumentized. I wanted information and a written agreement when I do settle the account accurately and they told me about no information in writing. Therefore, they are refusing to resolve this matter.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8035985
|
2023-12-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-12-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-20
|
| Complaint What Happened |
I tried to communicate with the company on multiple occasion to explain that the debt owed is not mine, I did not ever applied for this credit card. I did not take out this debt. They started a wage garnishment and I tired to explain to them again this is not debt.
Every time i tried to call them, they give me the run around and put me on hold for hours. This is unacceptable and i know my rights.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6628093
|
2023-02-28
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Student loan
|
| Sub Issue |
Received bad information about your loan
|
| Sub Product |
Private student loan
|
| Date Received |
2023-02-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-04
|
| Complaint What Happened |
I am being garnished for 6 private student loans that I have already been told by XXXX XXXX and XXXX XXXX that they were not mine, were not collecting and stopped collection all together. XXXX took these loans over, the paperwork from XXXX XXXX obviously did not go to them and trying to deal with XXXX has been nothing but trouble. I sent them a letter, got a response from the office of customer relations and basically, they did not even look into my complaint or take it seriously. The response is attached below, but basically they passed this off on the collection company XXXX XXXX, who said Forster and Garbus has the loan and they don't have anything to do with this. I am getting the run around and being garnished over a loan that is not mine!
|
| Consumer Consent Provided |
Consent provided
|
|
|
6731579
|
2023-03-22
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Private student loan debt
|
| Date Received |
2023-03-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6654850
|
2023-03-06
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2023-03-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7102663
|
2023-06-12
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Student loan
|
| Sub Issue |
Trouble with how payments are being handled
|
| Sub Product |
Private student loan
|
| Date Received |
2023-06-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-18
|
| Complaint What Happened |
These loans are 20 years old. Forster and Garbus provided the attached document when I put a complaint through last year regarding the loans I have. The document states they will not sue, but they have since taken a garnishment. This initial lawsuit back in XXXX was past the statue of limitations so that seems to be shady tactics also. In XXXX they called my in-laws multiple times ( XXXX XXXX ) stating it was an emergency and I needed to reach out to them. The bank we originally received the loan from had a table outside of the financial office at XXXX XXXX. This was a predatory way of making people get private loans. I was the first in my family to go to college, my Dad came with me to do my financial aid and was given an ultimatum by the bank at the college. He was told it was my only way of being able to go to college was to get these loans. All aspects of these loans from start to now is shady and dishonest.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7208089
|
2023-07-06
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-07-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-06
|
| Complaint What Happened |
im not liable for this debt posted on my credit report. I do not have a contract or sign any documentation so how is these my accounts.I sent numerous letter in the past disputing the negative account.I sent out request to the original contract asking for proof and all I received was a bill and A letter threaten to sue me and take my money unless I make a payment.i attach the document below
|
| Consumer Consent Provided |
Consent provided
|
|
|
7896221
|
2023-11-24
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-11-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-24
|
| Complaint What Happened |
I asked for an up-to-date accounting of payments. My first attempt was ignored. The second and third attempt received a response threatening to demand full payment immediately, because the payment ( s ) were late. It seems that the payments go to one department and questions about payments are sent to a different department. Neither of which coordinates with the other.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3508284
|
2020-01-24
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-10
|
| Complaint What Happened |
Foster & Garbus has repeatedly tried to sue me for old debts that I can prove that I paid. In XXXX they sued me and I won the case. This second attempt to sue me was not done properly. First they called me at least 5 to 7 times a day. In XX/XX/XXXX I contacted their office to ascertain why they were calling this number again and they claimed it was still in their system. It was during that conversation they claimed they would send out documents stating that I owed money. I never received anything in the mail or in person. On XX/XX/XXXX I contacted their office after receiving a Judgement letter from the State of New York. Ms. XXXX stated that I was served, and papers were given to a family member. This is not true. I was never served and I live alone. I feel as though this law firm is harassing me for old debts that has been charged off and every method was done to pay it off. I have been in tough with the original owners of the debt. The account was closed and reported to the IRS of which I paid taxes. What they are doing is not legal and now I have a judgement against me, and I must defend my case.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5783737
|
2022-07-18
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-07-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-18
|
| Complaint What Happened |
On Thursday XX/XX/2022 at XXXX XXXX I called XXXX XXXX ( XXXX ) XXXX. This call lasted approximately XXXX minutes and XXXX seconds. The nature of this call is to dispute four items on the credit report I have provided. As of XX/XX/2022 XXXX claims that these four items are to remain on the credit report as they have been " certified to XXXX that the information is accurate. '' Let me add that the information currently reported by XXXX is absent from XXXX 's records. XXXX has removed all four items from their records. During the call with XXXX the representative requested that I contact the " creditor '' s on file as well. In reference to the XXXX item listed on the report, I was told specifically on XX/XX/2022 during a ( XXXX ) XXXX call lasting XXXX minutes and XXXX seconds on a recorded line with a representative that XXXX does not report directly to XXXX but only to XXXX. This is consistent with the fact that XXXX no longer displays the XXXX item on the XXXX credit report in reference to the credit report in question. In reference to the XXXX XXXX mortgage account XXXX claims that the information reported is " Verified and Updated. '' XXXX also claims that " The information you disputed has been verified as accurate. '' In reference to this item I informed XXXX specifically that I contacted the local authorities in reference to this particular item and that XXXX XXXX engaged in identity theft in reference to the creation of this account. The account number that is listed on the XXXX dispute response is inconsistent with the account number previously provided or mentioned in the current mortgage foreclosure proceedings in XXXX COUNTY STATE SUPREME COURT. Furthermore, though XXXX claims that the account is " verified '', " updated '' and " accurate '' there is no reported balance on the account. If the account is opened, verified and updated why is there no balance with a date denoting when it is last updated? When you compare this item with the other items listed on the dispute this is the only item where there is no balance. The balance may very well be null or zero and this would be proof that the account is in fact closed. This item is the subject of previous CFPB complaints namely XXXX where the debt collecting law firm refused to respond to the CFPB complaint and XXXX XXXX another credit bureau agreed that fraud is likely present in the claim. These discrepancies are inaccuracies and violate a debtor 's rights to have accurate information reported on its credit report. The XXXX COUNTY POLICE DEPARTMENT complaint number in reference to the XXXX XXXX account is XXXX. The XXXX XXXX listing is also inaccurate as there is record on file with XXXX XXXX SUPREME COURT that FORSTER & GARBUS LLP is in possession of a negotiable instrument towards the full amount of the outlined debt that they failed to process and/or share with XXXX XXXX that they might process the negotiable instrument in accordance with the law. The same applies to XXXX XXXX XXXX as XXXX XXXX XXXX is also in possession of a negotiable instrument towards the satisfaction of the debt outlined yet failed to process and/or share this negotiable instrument with XXXX XXXX XXXX so that it may be properly honored or dishonored. XXXX is sharing information with the public that is inaccurate and/or false in reference to my credit report. The information in question is already removed from XXXX 's corresponding file. I will do my due diligence and files separate CFPB complaints for each of these " creditor '' s. In respect to XXXX XXXX XXXX we will find out specifically whether XXXX or the representative I spoke with is being forthright as I receive conflicting information over the phone. I'd like to thank the men and women at CFPB for giving the public an avenue to make their concerns public and find resolution when it seems impossible to do so with certain companies.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7014312
|
2023-05-23
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-05-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-23
|
| Complaint What Happened |
Businesses that provide consumer information to credit reporting agencies have obligations under the Fair Credit Reporting Act ( FCRA ) to ensure compliance with certain procedures and protect consumer privacy. Accuracy of Information is required by law. Businesses must ensure the accuracy of the consumer information they provide to credit reporting agencies. They should have reasonable procedures in place to verify the accuracy and completeness of the data they furnish. If a consumer disputes the accuracy of the information, businesses are obligated to conduct a reasonable investigation. They must review all relevant information provided by the consumer and correct or delete any inaccurate or incomplete information. The fact remains that the name reported by both XXXX XXXX XXXX as well as XXXX XXXX is not my legal name. The nature of the information concerning these accounts is also inaccurate. I have made numerous disputes with XXXX XXXX to remove the inaccurately reported information but with no success. My next step is litigation and this complaint is simply an opportunity to demonstrate before a XXXX XXXX judge or administrator that a final attempt is given to the offending organizations to comply with the law that oversees their actions. I provide with this complaint my American passport book and card as well as my apostille birth certificate bond. The legal first name is XXXX. THERE IS NO MIDDLE NAME. IF A MIDDLE NAME IS RECORDED IT IS XXXX AS SEEN ON THE BIRTH CERTIFICATE BOND. There is no legal basis for the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX. The debt collectors XXXX XXXX XXXX as well as FORSTER & GARBUS LLP are utilizing this false information for personal gain. These debt collectors claim to represent these credit card companies but in fact they have purchased these debt obligations in an attempt to collect on them. FORSTER & GARBUS LLP in particular claims to represent XXXX XXXX by way of a default judgment in a XXXX XXXX XXXX XXXX yet is unable and/or unwilling to join themselves to a XXXX XXXX Supreme Court case where XXXX XXXX is named as a potential creditor. This is index # XXXX. The fact that XXXX XXXX and/or FORSTER & GARBUS LLP remains unable and/or unwilling to collect on a default judgment rendered almost four years ago speaks volumes to the frailty of said judgment as their claim is also subject to collateral attack. I reserve my right to pursue any and/or all offenders to the fullest extent of the law. I'd like to take this time to thank the men and women at CFPB for their efforts toward protecting the public.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7970821
|
2023-12-09
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2023-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-09
|
| Complaint What Happened |
Dear Sir and Madam, The reason I am sending this complain regarding a company name : XXXX and XXXX XXXX.
The first time I ever heard from this company is that I received a debt letter over the mail from them claiming I owe them : {$4600.00} around XX/XX/23.
I have No Business Relationship with XXXX and XXXX ( lack of standing ) or sign any contract agreement with them.
They did not provide me proof of the debt including validation notice from the XXXX days of the first contact.
My understanding is that If the collection agency failed to validate the debt, it is not allowed to continue collecting the debt.
Please see XXXX XXXX XXXX XXXXXXXX After I reply back to them ( XX/XX/23 ) in the 30 days respond under the law term with a Verification of Debt Request, they provide with some documents with lots of missing/lack information. Here is some of the missing info : 1 ) Failure to respond by not providing all document requested from the Verification of Debt request sent to them via priority mail.
2 ) Did not provide proof of license in the state of NYS to collect Debt 3 ) Did not provide or Tell me when the creditor claims this debt became due and when it became delinquent.
4 ) Identify the date of the last payment made on this account with the original creditor.
5 ) Chain of Titles/Chain of Assignments 6 ) The name of the creditor to whom the debt is currently owed ; the account number used by that creditor, and the amount of the debt.
7 ) The amount and age of the debt, including a copy of the last billing statement with date sent to me by the original creditor.
8 ) Provide me with proof of Good Standing under the laws of New York and the Secretary of State along with information regarding your Registered Agent for Service of Process.
Please see also the enclosed copies of letter from them including the response and the verification debt request sent to them.
Thank you for your consideration in this matter.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6659688
|
2023-03-07
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Private student loan debt
|
| Date Received |
2023-03-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5773670
|
2022-07-14
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-07-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-22
|
| Complaint What Happened |
Foster and Garbus LLP is attempting to collect a debt for XXXX XXXX XXXX which was purchased from XXXX XXXX, which defaulted on XX/XX/2002 for the amount of {$1800.00}, the original amount owed was {$500.00} dollars and amount that is being billed on demand {$1800.00}, this debt is XXXX XXXX XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3534762
|
2020-02-17
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-02-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-18
|
| Complaint What Happened |
Forster & Garbus sent a letter to me regarding a balance for {$840.00} and now they have sent a judgement and now execution of garnishment to my employer and I wasn't properly served a letter was sent to my house saying i owed {$1100.00} where did all that money come from when the account was closed. I need some help with this.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3449230
|
2019-11-24
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-11-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-26
|
| Complaint What Happened |
Forster and Garbus sent me certified mail that claims to be a judgement for wage garnishment on a 15 yr old loan. The last payment I made was in 2010 to a different collection agency for the same XXXX debt. This money should be barred according to NYS law.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3123022
|
2019-01-12
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-01-12
|
| Complaint What Happened |
In XX/XX/2018 i received a court paper-A SUMMONS from XXXX XXXX XXXX by way of Forster & Garbus LLP ATTY FOR PLTF. Stating i owe {$2200.00} for a pass debt. I do not even know this XXXX XXXX company so there for i do not believe i owe them any money have never spoken to anyone at that company have no contract with that company and would like for XXXX XXXX as well as Foster & Garbus to stop sending me courts papers, summons, collection paper. All mail to cease.
Thank You
|
| Consumer Consent Provided |
Consent provided
|
|
|
2694570
|
2017-10-05
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Credit card debt
|
| Date Received |
2017-10-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I was sued by Forster and Garbus. They took a default judgment against me for an amount way more than the original amount of debt as well as I was NEVER served. Now they are trying to garnish my wages. I finally got a copy of the affidavit of service which is beyond false. It is fraudulent. The affidavit of service states I was served on XXXX XXXX XXXX, XXXX at XXXX p.m. at my home. I was at work almost XXXX miles away. It also gives a description of me having XXXX hair. I do not have XXXX hair nor have I ever had XXXX hair as I am blonde and blue eyed. I feel this judgment was improperly taken. I also feel that the process server, XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be held accountable for signing an affidavit of service before a notary public which is false.I have already paid XXXX of this debt which is MORE than the original amount.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3067943
|
2018-11-07
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-07
|
| Consumer Consent Provided |
Other
|
|
|
2797637
|
2018-01-30
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue you for very old debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2018-01-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
739040
|
2014-03-02
|
Dealing with my lender or servicer
|
Student loan
|
|
| Issue |
Dealing with my lender or servicer
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Student loan
|
| Sub Issue |
Having problems with customer service
|
| Sub Product |
Non-federal student loan
|
| Date Received |
2014-03-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-03-04
|
| Consumer Consent Provided |
N/A
|
|
|
1058570
|
2014-10-05
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2014-10-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-10-10
|
| Consumer Consent Provided |
N/A
|
|
|
2632001
|
2017-08-15
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Seized or attempted to seize your property
|
| Sub Product |
Private student loan debt
|
| Date Received |
2017-08-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-15
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I started having communication with Forster and Garbus years ago ( ca n't recall exact date ) when they acquired my account. I tried to arrange payments, but they wanted {$2000.00} before they would speak to me. If I had that, I would not have been in this position in the first place. My original loan with XXXX XXXX XXXX was for {$25000.00}. They came in with a figure of {$29000.00}. After taking me to court, we had settled on a no-interest payment plan. We also had my father removed from the loan as his signature was not legit and was on this document. With hardships at work, I could not afford the payment. After a few months, I received a letter that my payments were to be made to the XXXX County Sheriffs Department. It was to be 10 % of my weekly gross pay. I was paying {$50.00} a week, but had to by Certified Check or Money Order. This was costing me about {$55.00} a month. After sometime, it be came difficult to pay on my low salary with my other bills. After a few more months, my salary was garnished to collect fees weekly, leaving my strapped once again. I had since left that career and sent payment when I could to the Sheriffs Department. Last payment was for {$50.00} plus a {$10.00} bank fee for a Certified Check and that was on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating " We are in the process of searching for assists to satisfy the judgement against you. If non-exempt assists are located, we may send the judgement to an enforcement officer for execution against said assists, unless we can make a satisfactory arrangement to resolve this matter ... '' To try and avoid this, I made an online payment to Forster and Garbus for {$25.00} on XX/XX/XXXX. I also sent an email to try and make an arrangement to avoid any more harassment or enforcement attempts against me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2688860
|
2017-09-29
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Seized or attempted to seize your property
|
| Sub Product |
Credit card debt
|
| Date Received |
2017-09-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-29
|
| Complaint What Happened |
Not sure.
Possible Identity Theft?
|
| Consumer Consent Provided |
Consent provided
|
|
|
875874
|
2014-05-31
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third party about my debt
|
| Sub Product |
Credit card
|
| Date Received |
2014-05-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-06-05
|
| Consumer Consent Provided |
N/A
|
|
|
7796348
|
2023-11-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2023-11-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1602170
|
2015-10-10
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
Credit card
|
| Date Received |
2015-10-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-10-10
|
| Company Public Response |
Company chooses not to provide a public response
|
| Complaint What Happened |
FORSTER & GARBUS IS ATTEMPTING TO COLLECT A DEBT FROM ME ON A XXXX XXXX CREDIT CARD ACCOUNT THAT IS FROM SEVEN YEARS AGO. THE DEBT IS NO LONGER LISTED ON ALL THREE OF MY CREDIT CARD REPORTS.THE DEBT IS LISTED AS BEING FOR THE AMOUNT OF {$970.00}.
|
| Consumer Consent Provided |
Consent provided
|
|
|
966589
|
2014-08-04
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Sued w/o proper notification of suit
|
| Sub Product |
Credit card
|
| Date Received |
2014-08-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-08-04
|
| Consumer Consent Provided |
N/A
|
|
|
1612957
|
2015-10-19
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Forster & Garbus LLP
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-10-19
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
