Blitt and Gaines, P.C

2019-11-05

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-22

Countryside, IL

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-10-20

Holmes Center, IL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2019-10-08

Chicago, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-10-03

Wonder Lake, IL

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2019-09-27

Palos Park, IL

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you in a state where you do not live or did not sign for the debt
Complaint: To whom it may concern, on multiple occasions I have been contacted by both XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) as well as their counter partners Biltt and Gains, P.C. ( BG ), in regards to a phantom debt which is alleged to have been originated between myself and a company called XXXX XXXX ( XXXX ). When I was first contacted by XXXX, I explained to the collection agent that I had never heard of XXXX nor did I have any accounts with a company by that name. I asked for the details of the account and later pulled my credit reports in an attempt to authenticate what the agent from XXXX, had shared with me. Upon reviewing my credit reports I realized that I in fact had never had a creditor by the name of XXXX, within my entire credit history. Shortly thereafter I received another call from an agent working for XXXX asking for payment on this unknown XXXX account, I reiterated to the agent that I was unaware of any such account with a company called XXXX. I advised the collection agent that I would like to be sent a copy of any promissory note or written agreement, which would bare my signature for of terms that I allegedly agreed to repay on a loan from XXXX. I never received any such proof of validity of this debt which is in violation to the Fair Debt Collection Practices Act ( FDCPA ). These communications with XXXX transpire within the first two weeks of being contacted by their office. To this date I have not received any information that would provide any details of the debts origination date, nor in what form that I am alleged to have utilized these funds. To add insult to injury this debt is still not reporting to my credit reports and I have been pursued for a judgment by XXXX, along with their counter partners BG, in XXXX county circuit court of Illinois. On XX/XX/2014, a judgment was entered in favor of XXXX. The judgment has now provided both XXXX and BG, the ability to garnish my pay checks as a result this phantom debt created by XXXX and enforced with BG. Im seeking assistance from the CFPB, to place an inquiry into both XXXX and BGs actions against me the matter of illegal debt collection tactics, fraud, and additional violations to the FDCPA. This debt has never reported to my credit reports nor does it at this time, and I have never ben provided written documentation which would indicate that I originated any such loan with XXXX.
Company Response: Closed with explanation

Timely Response

2019-09-26

Fort Russell, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I have been given papers of a court filing for petition for revival of judgement. debt was from XXXX at that time I was married to my ex wife and resided with her and her son, daughter and her now deceased brother in law. I am not aware of this debt and it is not mine. this is the third case of fraud from this time frame.
Company Response: Closed with explanation

Timely Response

2019-09-25

Chicago, IL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2019-09-17

Chicago, IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-08-30

Chicago, IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-13

Chicago, IL

False statements or representation

Debt collection: Credit card debt

Told you not to respond to a lawsuit they filed against you
Company Response: Closed with explanation

Timely Response

2019-07-03

Sycamore, IL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Company Response: Closed with explanation

Timely Response

2019-07-03

Rockford, IL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Complaint: ( XX/XX/2019 ) Tried contacting firm to get information about a debt that was to their firm for collection, called several times with extremely long wait times left messages for call back then emailed when I missed their 2 calls and had to wait again ( about 30 mins each time ) never got a response as to if I was still supposed to make payments to them or if I needed to take other actions so I stopped making a payment when I wasnt receiving confirmation emails for payments XX/XX/2019 ( I had made 5 $ XXXX payments ). Then when I tried using my account to pay for something and it said I didnt have any money I checked the account to find funds pending for review {$470.00} was the amount ( my comed and car insurance payments couldnt go through because of this ) I called the bank who told me to call the law firm who ( law firm ) told me they sent a notice to review my account and was waiting for banks response and that it was my bank that put the freeze on the money because they had no payment ( this was XX/XX/2019 ) so today ( XX/XX/2019 ) I called the bank because the hold is still on there And I FINALLY ( after three phone calls and over an hour wait time ) was connected to a manager who told me they couldnt see if it was judge order or just law firm who put the hold on the money and they will contact me when their law department contacts him. I couldnt connect with law firm who holds the debt because they were closed. I received a letter XX/XX/2019 postage was XX/XX/2019 stating they were garnishing my account but no dollar amount other then the full debt amount of $ XXXX+ ( Said no payments were ever made towards debt ) The letter was dated back in XXXX and that I had til XX/XX/XXXX to make an appeal. I am a single parent of two small children ( the debt collector/law firm knew this ) and my bank couldnt tell me if my next paycheck that is to be deposited XX/XX/2019 would also have a hold on it- I have rent and diapers to buy I work full time And had to cash my pennies to pay for gas and dinner for my children, I honestly dont know what to do, Im filing for bankruptcy three days before my sons birthday XX/XX/XXXX but I dont think Ill have the bare minimum they are charging me for that ... help ... please
Company Response: Closed with explanation

Timely Response

2019-06-08

Springfield, MO

Took or threatened to take negative or legal action

Debt collection: Other debt

Sued you without properly notifying you of lawsuit
Complaint: This firm XXXX XXXX XXXX, XXXX / BLITT AND GAINES, P.C filed judgement against me on XX/XX/2010. I have paid them over XXXX on an original judgment of XXXX they sent me a new judgment amount showing I still owe XXXX ( see attached statement ). They have issued a garnishment against my wages that jeopardizes my employment and my ability to pay my month debts. I tried in the beginning to pay this amount directly to them versus garnishment and they would even respond.
Company Response: Closed with explanation

Timely Response

2019-05-30

Chicago, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-04-18

Chicago, IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-04-10

Hinsdale, IL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: XXXX ( XXXX ) Credit card refused issue a chargeback of $ XXXX from a company that is being shutdown by the FTC for fraudulent activities. XXXX stated during the dispute process that even though there was a refund period, that I was outside the refund request timeframe. Yet other creditors like XXXX XXXX did provide the chargeback for the same amount in XX/XX/2017. I provided email chains citing the Merchant XXXX who was working with XXXX, did not reply in a timely manner to answer my request for a refund and therefore stated I was outside the " all sales final '' period of 3 days. The services for the $ XXXX was for a business start up to travel to one of their resorts which I never did. XXXX is now suing me for over $ XXXX while the FTC has an open lawsuit against XXXX. I'm now having to retain a lawyer to fight the creditor XXXX. I have not been served from the Sheriffs office, but law firms are writing me about the open lawsuit.
Company Response: Closed with explanation

Timely Response

2019-03-14

Chicago, IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: Blitt and Gains did not send notification to dispute dept also the dept in question is older than 8 years so the sod is up but it does not say they can not sue on the letter which is misleading. This dept was also re aged by different creditor to the year XX/XX/2017. My last 4 digits of my social security are XXXX I was not able to put them in on my mobile phone in the car next step.
Company Response: Closed with explanation

Timely Response

2019-03-05

Indianapolis, IN

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-02-26

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2019-02-04

Chicago, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-04

Chicago, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I'm filing a complaint regarding a 3rd party collection agency, BLITT AND GAINES, P. C. In XXXX, IL for harassing and illegal threatening me for a debt. I asked for validation by sending them 2 different certified letters in the mail that were enough days apart, but still no true validation that the debt is mine. XXXX XXXX {$1500.00}
Company Response: Closed with explanation

Timely Response

2019-01-11

Lenzburg, IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-12-31

Valparaiso, IN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-12-15

KS

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Notice of Irrevocable Estoppel by Acquiescence NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Account/Credit Card/Reference Number : XXXX Blitt and Gaines P.C. in his private capacity With reference to the letters dated XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23. 3. Proof of Claim that BLITT AND GAINES P.C. has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency. I hereby serve Notice that failure to provide Proof of Claim by BLITT AND GAINES P.C., has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring BLITT AND GAINES P.C. from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of BLITT AND GAINESs agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further. 6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter you will have broken our lawfully binding agreement and you agree to pay the following fee schedule. Fee Schedule Any further invalid claims against XXXX XXXX and/or attempting to contact the Authorized Representative by mail, mobile phone and/or telephone, or otherwise, will constitute the agreement of BLITT AND GAINES P.C. to the following Fee Schedule : 7. {$1000.00} ( ONE THOUSAND UNITED STATES DOLLARS ) per invalid claim in writing, nunc pro tunc, 8. {$1000.00} ( ONE THOUSAND UNITED STATES DOLLARS ) per letter and/or notice sent by recorded mail, nunc pro tunc, 9. {$1000.00} ( ONE THOUSAND UNITED STATES DOLLARS ) per attempt to contact by telephone and/or mobile phone and/or email. 10. {$1000.00} ( ONE THOUSAND UNITED STATES DOLLARS ) per trespass and/or violation of Notice of Trespass, 11. {$1000.00} ( ONE THOUSAND UNITED STATES DOLLARS ) per act of liable and/or defamation and/or extortion, 12. {>= $1,000,000} ( ONE MILLION UNITED STATES DOLLARS ) per unauthorized and/or infringement, 13. {>= $1,000,000} ( ONE MILLION UNITED STATES DOLLARS ) per action in denial of due process in law and/or denial of a jury. All fees are payable in Twenty One ( 21 ) days of date of bill, as evidenced by recorded delivery tracking number. Without malice or mischief, in sincerity and honor. By : XXXX XXXX By : Sovereign : XXXX : of the family XXXX Authorized Agent and Representative for XXXX XXXX ens legis and all derivatives thereof No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT PREJUDICE WITHOUT RECOURSE NON-ASSUMPSIT Calls may be recorded
Company Response: Closed with explanation

Timely Response