Blitt and Gaines, P.C

2016-09-06

Des Moines, IA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed

Disputed: No Timely Response

2016-07-28

Palos Park, IL

Taking/threatening an illegal action

Debt collection: Auto

Sued w/o proper notification of suit
Company Response: Closed

Disputed: No Timely Response

2016-07-22

Dolton, IL

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Closed

Disputed: No Timely Response

2016-06-28

Saint Clair, MO

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed

Disputed: No Timely Response

2016-06-24

Saint Louis, MO

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed

Disputed: No Timely Response

2016-06-13

Chicago, IL

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Trouble with how payments are handled
Complaint: I took out a XXXX loan in XXXX as part of my student loan packageto attend XXXX school. Following completion XXXX, the great recession hit and I struggled to find work and eventually landed a job that required me to take a pay cut from my previous career XXXX. I fell behind in my payments and my loan fell into default. After a few years of struggle and penny pinching, I successfully rehabilitated my student loans ( and paid off $ XXXX in credit card debt ). For some reason, this loan was ineligible to be rehabilitated. The University sold this loan to an agency who then sold it to a collections firm. Since XXXX, the collections firm has filed suit against me to demand payment on the loan. I have sent payments over the years but the collection agency refused to issue me anything in writing. I consolidated my federal loans in XXXX of this year and put to include this XXXX loan in the consolidation. At this same time, the collection firm stopped auto withdrawls from my bank account. Without ANY notice, emails or letters, the firm seized my bank account claiming I had not made payments. Apparently, after they filed suit on me in XXXX ( to which I responded by setting up a payment arrangement ), THEY went to court and did not tell the judge about the payment arrangement ( they told me I did not need to go to court ) and a default judgement was entered against me. When I recently went to remove the bank lien. The law firm/ collection agency agreed, in front of the judge, under oath, to set up a payment arrangement. WHen I called a few days later to begin setting up the payments, I was told that they would not set up a payment plan and demanded the money in full. I do not have that kind of money so I asked them what payment plan would be accaptable and they requested an amount that was over 30 % of my take home pay. I asked them to work with me and they refused -- telling me to go borrow money from friends or get a bank loan. I filed a complaint with my XXXX and within 24 hours, the firm ( using the XXXX judgement ) sent a letter to my employer demanding garnishment of my wages. The firm, on several occasions, lied to the judge about their communications with me and refused to work with me. I do n't understand why this Federal loan was excluded from my right to rehabilitate in the first place.
Company Response: Closed

Disputed: Yes Timely Response

2016-06-09

Wonder Lake, IL

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: On XXXX XXXX XXXX accounts with Blitt and Gaines I did not receive a validation letter or any correspondence regarding the accounts. They did not offer a settlement letter or any proof that they had any authority to file any lawsuits. When doing research online the law firm has posted information that they do not like to send out letters since it is not cost effective to do so and opens them up to possible FDCPA violations and litigations. There were XXXX accounts in question so that makes XXXX separate complaints for their violations.
Company Response: Closed

Disputed: Yes Timely Response

2016-05-23

Wonder Lake, IL

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: Blitt and Gaines filed XXXX lawsuits against me without my knowledge. They did not send me any information of a verification of the debts or any validation notices. I did not know about the lawsuit in first case until I received a settlement letter after I contacted them for a XXXX XXXX account at the direction of XXXX XXXX in attempting to get a loan modification. The second lawsuit was mentioned in a response to a CFPB complaint. These are illegal tactics and on the internet you can see endless complaints occurring from this company. If XXXX XXXX had not directed me then I do n't know what they would have done to me or still might be doing to me since they are deceptive in their tactics. I will be a XXXX in a few years and I understand this can be ongoing for many years to come. I also do not have information of the outcome of either of these lawsuits from either Blitt and Gaines or XXXX XXXX, since no one ever sent me any correspondence in the mail. Furthermore they never sent any information of the actual debt they are suing me on, to prove that they actually have the right to sue, what the fees and charges are, how the breakdown is, etc. I have been trying to get information from XXXX XXXX since approximately XXXX, 2015 and there has been no response to any of the information I have requested in detail except for general repetitive form letters.
Company Response: Closed

Disputed: Yes Timely Response

2016-05-18

IL

Other

Credit card:

Complaint: I received a credit card in XXXX it went to collections. In XXXX XXXX filed a small claims for XXXX but i never received notification to go to court. In XXXX they filed a nonwithholding wage deduction my employer. My employer sent it back and said i dont make enough to garnish. Now in XXXX they are sending garnishments to my work. No phone calls at home or letters just wage garnishments to my job. I called to settle for half but they will not budge on the amount and i need to pay XXXX. They are stating interest grows on this every month per the state of illinois. Is there a statue of limitation of this old debt. They told me to borrow money to pay off my debt.. ( I heard if you start paying on old bills that it will reopen and they can open case up and collect money. ) If i go into payment plan they want all my personnel information. How do i Know this is a legit company trying to collect debt after 15 years.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-14

Manteno, IL

Taking/threatening an illegal action

Debt collection: Credit card

Seized/Attempted to seize property
Complaint: I failed to appear in court for a credit card debt in 2009 and there is now a judgement against me. I was unemployed for 5 years and was unable to pay the debt. There is now a lein on my bank accounts and i can not access my funds.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-09

Wonder Lake, IL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Complaint: Blitt and Gaines did not send me a letter of a right to dispute a debt of a XXXX XXXX card. They are lying in response to a complaint filed by me XXXX. Response was in writing by XXXX XXXX of the company. They did not attach a copy of the letter they supposedly sent to me in their response. I never received any correspondence by the firm to myself in regard to a XXXX XXXX account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-09

Wonder Lake, IL

Taking/threatening an illegal action

Debt collection: Other (i.e. phone, health club, etc.)

Seized/Attempted to seize property
Complaint: Filed numerous false statements in response to CFPB complaint number XXXX. They provided no evidence to back up their statements or allegations as was requested in my complaint. They made a false statement to the CFPB that I called their office to split my XXXX 2015 payment into 3 payments and then I did not pay the final payment after that and that they were unable to get in touch with me. Blitt and Gaines REQUIRED me to provide my bank account information to them so that they could withdraw money from my bank account. Blitt and Gaines provided a settlement agreement in writing CONTRARY to what they REQUIRED me to do. Blitt and Gaines ILLEGALLY AND WITHOUT AUTHORITY that they CAN NOT CAN NOT prove withdrew unauthorized amounts of money from my bank account. Blitt and Gaines added legal fees to my account that they can not substantiate. Blitt and Gaines NEVER sent me an original right to dispute letter and NEVER contacted me that I owed any additional unpaid funds. I could NOT HAVE OWED UNPAID FUNDS SINCE THEY TOOK OVER MY BANK ACCOUNT. They told me I had to have money in my account at all times and they would withdraw the money. They NEVER sent me a receipt. They NEVER sent me proof of what I owed. They NEVER sent me ANYTHING from XXXX XXXX to show that they had the right to collect, and or that the money I paid ever actually was paid to the XXXX XXXX people. I have previously filed a complaint here. I previously have filed a complaint with the state of Illinois Attorneys Review and Disciplinary Commission.. Blitt and Gaines has been unable to substantiate anything they are alleging and should be prosecuted to the fullest extent of the powers of the government including false statements and seizing unauthorized property, putting nothing in writing to seize the property, and providing no receipts.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-09

Springfield, MO

False statements or representation

Debt collection: Credit card

Impersonated an attorney or official
Complaint: On XXXX XXXX, 2016 I received a letter postmarked XXXX XXXX, 2016 and apparently pre-dated XXXX XXXX, 2016 from Blitt and Gaines , P.C . This letter was on a mix of old addresses and my current address. Blitt and Gaines claimed to have been retained by XXXX XXXX XXXX, yet XXXX would have had an accurate address for any debt allegedly owed. Blitt and Gaines ' letter states clearly " attorney at law '', yet federal court cases illustrate they are a debt collection entity based on their activity. I have forded Blitt and Gaines plenty of time to validate this debt as well as provided a letter challenging the validity of this debt and their patently false claims of being retained by XXXX XXXX XXXX. I have received NO such validation, nor proof that they are retained by XXXX XXXX XXXX as requested and given their bad address as of today, XXXX XXXX, 2016. I have a copy of their letter, my letter to them, and tracking information showing it was delivered. I also should have the return receipt card at home. Since this is now a clear violation of the Fair Debt Collection Practices act as well as Missouri statute, on several counts, their letter and refusal to validate are now actionable as well as harassment.
Company Response: Closed

Disputed: Yes Timely Response

2016-04-29

Wonder Lake, IL

Taking/threatening an illegal action

Debt collection: Credit card

Seized/Attempted to seize property
Complaint: Blitt and Gaines represented they could take a settlement agreement for XXXX XXXX. They required that I provide bank account information so they could withdraw money for one year. They never gave me any proof of the debt, they never gave me any receipts for payments, they withdrew money without my permission and amounts without my permission and times without my permission and XXXX XXXX has not been able to produce any information regarding these payments. They withdrew over {$6900.00} and no one can account for this and I still owe money now without any information on why I owe or where the money I paid went to.
Company Response: Closed

Disputed: Yes Timely Response

2016-04-26

Chicago, IL

Delinquent account

Credit card:

Complaint: I have a consumer debt with XXXX XXXX that is being collected by Biltt and Gaines, P.C. Biltt and Gaines currently has a summons for me to return to court on XXXX XXXX, 2016 to pursue the action of garnishing my wages. I 'm currently unemployed and receive XXXX from the state of Illinois. Somehow they have managed to identify my employer XXXX while I do XXXX to this company I do not get paid nor am I employed by them. They have been calling the company to seek wage garnishments and have been told on numerous occasions that I am not an employee.
Company Response: Closed

Disputed: No Timely Response

2016-04-22

Palos Park, IL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was discharged in bankruptcy
Complaint: BLITT and GAINES, P.C, in XXXX Illinois is trying to collect on a debt that was under XXXX XXXX XXXX or XXXX XXXX XXXX XXXX This debtor was notified that I had filed for bankruptcy by my attorney I have tried to contact BLITT and GAINES but always get disconnected and have now been served with a summons They are trying to sue for a debt that has been discharged by BANKRUPTCY XXXX XXXX XXXX was informed of my bankruptcy by my attorney and / or representative
Company Response: Closed

Disputed: No Timely Response

2016-04-17

Itasca, IL

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX XXXX violated the CFPB Consent order dated XXXX by claiming an amount greater then the Write off amount in their affidavit dated XXXX. They also make many other misleading claims in their affidavit.
Company Response: Closed

Disputed: No Timely Response

2016-03-28

Wonder Lake, IL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed

Disputed: No Timely Response

2016-03-23

Rockford, IL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I have been taken to court ( 3 appearances since XXXX XXXX ) by Blitt and Gaines PC on behalf of a XXXX XXXX. I initially requested a hardship consideration as my house had just burned down and I was not prepared to have to answer to this. I have not heard anything from them in regards to this, and after the 2 appearance, I sent them an email requesting documentation of this debt and have not heard anything. At my last appearance they said they are still working on it. I emailed them again and still have no response. My credit report shows the last payment on this account was in XXXX XXXX, which I believe is past the statute of limitations and this should be dismissed. The name on their account is XXXX XXXX ( previously married name )
Company Response: Closed

Disputed: No Timely Response

2016-03-14

IL

False statements or representation

Debt collection: Credit card

Indicated shouldn't respond to lawsuit
Complaint: I tried to settle debt with Blitt and Gaines. They said I would have 60 days to satisfy this debt. I requested they send me info so I can make payment. However, they went back on their word of 60 days and only gave me 26 days. I have proof of email from them stating 60 days to pay and will send it to you. They are dishonest and should not be able to treat consumers this way. I have XXXX kids and a very ill husband who is having XXXX this month. 60 days would have worked but now I have only 16 days to come up with payment or it goes to court. They said XXXX!
Company Response: Closed

Disputed: Yes Timely Response

2016-03-01

Taking/threatening an illegal action

Debt collection: Credit card

Threatened arrest/jail if do not pay
Company Response: Closed

Disputed: No Timely Response

2016-02-25

Chicago, IL

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: Collection agent gave me a false court date to get me to pay an amount on a debt- harrasment
Company Response: Closed

Disputed: No Timely Response

2016-02-25

Chicago, IL

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: Collection agent gave me a false court date to get me to pay an amount on a debt- harrasment
Company Response: Closed

Disputed: No Timely Response

2016-02-01

Palos Park, IL

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: On XXXX/XXXX/XXXX, Blitt and Gaines were awarded a Wage Garnishment against me .The total amount of the garnishment ordered by the court was XXXX and was started on XXXX/XXXX/XXXX. I have each pay stub that showed a deduction was made and for how much. On XXXX/XXXX/XXXX, I faxed my payroll company the final pay stub of the year for XX/XX/XXXX, XX/XX/XXXX and my pay stub dated XXXX/XXXX/XXXX which showed that as of XXXX/XXXX/XXXX, there has been a total of XXXX that had already been deducted and paid to XXXX and XXXX which left a balance of XXXX to satisfy the judgement. I faxed all the information to my payroll company on XXXX/XXXX/XXXX. Payroll contacted Blitt and Gaines and emailed me stating that according to Blitt and Gaines, I still owed them XXXX and payroll could not stop the garnishments until they received a Release Letter from Blitt and Gaines. On XXXX/XXXX/XXXX, another XXXX was deducted which now goes OVER the court Wage Deduction of XXXX. On XXXX/XXXX/XXXX, I faxed all relevant documents to Blitt and Gaines showing exactly how much they had already received and a copy of the Wage Deduction order and the amount and requested that they email myself and mail my payroll company a Release Letter as I have met the amount owed.I even included an exact breakdown of the date of check and amount deducted. I also requested proof as to the additional dollar amount they claim I still owed.To date, there has been no response from Blitt and Gaines, my pay checks are still being garnished even though I have now exceeded the amount mandated by the court. I have read many reviews on Blitt and Gaines and it appears that they make a habit of collecting well over the amount they are allowed and that is theft.
Company Response: Closed

Disputed: No Timely Response

2016-01-11

Campton Hills, IL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed

Disputed: No Timely Response