Lustig, Glaser Wilson, P.C.

2015-05-28

Halyoke, MA

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2015-05-13

Leominster, MA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: Yes Timely Response

2015-04-26

MA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: I received a notice to appear at small claims court in XXXX, MA on XXXX/XXXX/XXXX for a XXXX XXXX.. The case was with XXXX XXXX XXXX for an old credit card bill I owed to XXXX XXXX XXXX in the amount of XXXX + ore-judgment interest of {$33.00} and court fees of {$50.00}, {$720.00} total. I got behind on some several credit card bills when I went through XXXX treatment in XXXX. I am a single, divorced woman, XXXX years old. I am employed as a XXXX and was out of work for XXXX months during my treatment and went back to work part-time for five months before being able to return full-time in XXXX. The lawyer for the case was XXXX XXXX of XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. I fought to get the amount lowered because of excessive interest I ha been charged, and the Agreement for Judgment was that I would pay {$20.00} a month on the amount of {$460.00}. I made these {$20.00} payments each month until last XXXX, when I forgot to mail the payment on time, I worked on XXXX XXXX and XXXX to make a little overtime money and save the holidays for snow days, ( which came in handy ). The check I filled out to mail was dated XXXX XXXX ; however I decided to send {$40.00} instead and mailed the check on XXXX XXXX. Because I put " XXXX '' as the year, the check was returned to me. I promptly send XXXX for {$60.00}, which covered XXXX, XXXX, and XXXX payments. I have my bank statements to prove that XXXX received the XXXX check. However, On XXXX XXXX I received the XXXX of a number of harassing letters telling me I had failed to comply with the order and to contact their office. I made my payment of {$20.00} in XXXX and was aware that I had a " Payment Review '' coming up on XXXX/XXXX/XXXX. I was angry that XXXX was sending me these letters and would probably force me to pay the whole amount or even add penalties, so I sent them a letter on XXXX XXXX, XXXX and enclosed a check for the balance I still owed on the original {$460.00}, which was {$160.00} according to my records. In the letter I explained how I got slightly behind on payments at the end of XXXX. I did not go to the court review because my XXXX, XXXX, went to the XXXX for {$15.00}. '' I received a warrant from the XXXX County Sheriff dated XXXX/XXXX/XXXX to appear at XXXX District court on Wednesday, XXXX XXXX at XXXX. I am assuming that this warrant was sent from XXXX. I would like it if someone would accompany me there, but if this is not possible I will inform you about what happens at court on that date. Thank-you.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2015-04-24

Malden, MA

Taking/threatening an illegal action

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

Threatened to sue on too old debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-18

Boston, MA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I got a credit card back in XX/XX/XXXX, the company at the time with XXXX.this company was brought out by another company.when I try to make payment on it and call the number on the back of the credit card the number was no longer in service. I could n't find any information on this company so I just leave it at that.over the years I move from the current address that I was leaving before when I got this credit card..I recently received a warrant in the mail saying ; XXXX warrant of Arrest notice that state final notice the day before I was to appear in court on XXXX XXXX XXXX. when I went to court with the blue ticket that I receive in the mail I did not have any idea what this was about, so I went to the XXXX desk for information XXXX she told it was about a credit card that I owe on over 12 years ago that 's a charge off on my credit report. come to find out it was a credit card agency collect in debt that call, Lustig, Gleser & Wilson, P.C. # XXXX clean I owe them {$2900.00}, which I never spend that much money on a credit card.when I arrived to the courthouse the guy told me at the entrance to wait over by the side where all the benches are. the guy came in and collect the slip and then he gave me a paper to fill out with my financial statement in the lobby of the courthouse. after I fill out the paper I give it to him and then a lady call my name on the other side of the lobby. she looked over my final statementand asked me what can I afford to pay. me being scared and do n't know much about this I 'm I right the way. after I signed a paper she said she was going to give it to the judge. that was very unprofessional because I did not stand in front of a judge. this was at west XXXX division of the XXXX municipal court. what happened to the statue of limitation rights against collection agency collectin debt that is over to 12 or more years ago no proof. when I came home and call the collection agency to find out what this was about it was giving me the running around. they told me that I owe XXXX XXXX XXXX this portion of money. I tried to explain to them that I do not have a card with XXXX XXXX XXXX or they talking about XXXX and is so I did not hold that much money on that card.then he gave me another number to talk to somebody else.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-10

MA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: On or about XXXX XXXX XXXX I was notified of a letter from Lustig-Wilson and Glaser regarding a proposed debt they may have purchased from XXXX XXXX attached to my name. I reviewed the letter and exercised my right under the provision of the FDCPA to request a validation of debt. I sent a certified letter to XXXX on XXXX XXXX and it was delivered and signed for on XX/XX/XXXX. The letter included my request for signature of my original contract from the original client, copies of all charges showing signature, and copies all of statements so I can review this information to determine it all is correct regarding the amount they state is owed. I placed a call 4 days after the certified letter was received by LGW and spoke to associate XXXX to confirm that the request had been updated on my file/records. He could not confirm verbally that my letter was received nor had my file/records been updated with my request. I called back a week later hoping to get an update and spoke to a female who I can not remember her name nor did I write it down, but she also confirmed that there was nothing noted on my file/records that my letter had been received. I called again to LGW and spoke to a supervisor named XXXX on XX/XX/XXXX, 16 days after the letter was signed for and once again I was told that there is nothing noted on my account about my letter requesting the VOD. XXXX then informed me that a request has been sent to the original creditor for information but they do that for all accounts in their office. I asked to speak to someone who could confirm that the office has in fact received my letter and he said he is the supervisor and there is no one else to can help me. I am extremely upset that I exercised my rights to request the VOD and that an office of law will not confirm basic information to a consumer that they are trying to collect from. I honestly think this is a stall tactic and find it unacceptable. I have done my diligence to respond within the appropriate time under the FDCPA validation provision and I have copy of the letter, tracking and proof of delivery.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: Yes Timely Response

2015-04-03

Spencer, MA

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-01

Cherry Brook, MA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-03-31

Fitchburg, MA

Disclosure verification of debt

Debt collection: Auto

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-03-31

Boston, MA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: The firm, Luster Glaser and Wilson, PC Located at XXXX, MA.XXXX receive repeated phone calls from this agency, ( Up to XXXX times in one day ) concerning a XXXX XXXX. I have told them, that no one lives here by that name. Yet, they continue to call.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-02-05

Marlboro, MA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-01-20

Spfld, MA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2014-12-08

Buffalo, NY

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2014-12-04

Middletown, RI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2014-11-21

Belmont, MA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2014-11-17

Lynn, MA

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with non-monetary relief

Disputed: Yes Untimely Response

2014-10-20

Methuen, MA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: Yes Timely Response

2014-09-23

Randolph, MA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2014-09-18

Sandwich, MA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2014-09-04

Malden, MA

Credit monitoring or identity protection

Credit reporting:

Account terms and changes
Company Response: Closed with explanation

Disputed: Yes Timely Response

2014-07-30

Cold Spring, MA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2014-07-24

Worcester, MA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2014-07-09

Malden, MA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2014-06-29

New Britain, CT

False statements or representation

Debt collection: Credit card

Indicated shouldn't respond to lawsuit
Company Response: Closed with explanation

Disputed: Yes Timely Response

2014-06-12

Spfld, MA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response