Malcolm S. Gerald and Associates, Inc.

2019-11-05

Oswego, IL

Written notification about debt

Debt collection: I do not know

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

Untimely Response

2019-07-30

IL

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Complaint: I have been making steady payments ( sometimes twice a month ) to XXXX XXXX XXXX XXXX XXXX XXXX since my hospitalization at the end of XX/XX/XXXX. My original debt for services rendered from XXXX was {$1300.00}. Keep in mind that I also had additional debt incurred from this same hospital visit which I have paid off in full. I currently owe {$1000.00}. Also, please keep in mind that I just received an additional bill from XXXX as late as XX/XX/XXXX for {$180.00} ( 7 months after my hospitalization ). XXXX sent my account over to the collection agency of Malcolm S. Gerald and Associates , Inc . The phone calls started immediately on XX/XX/XXXX. They said I owed {$1000.00}. They said I only paid {$6.00} on XX/XX/XXXX. I informed that they were wrong and that I made a payment of {$100.00}. At that time, they looked into my payment history and only then corrected themselves and said that because I had 3 bills from XXXX, XXXX decided to put the majority of my payment towards the other two bills. They wanted me to make another payment immediately. I told them that I just made a {$100.00} payment and I would make another payment on XX/XX/XXXX when I get paid. On XX/XX/XXXX from Malcolm S. Gerald contacted me at my job and demanded I make a payment. I informed them again that I had just made a {$100.00} payment on XX/XX/XXXX and that I had already informed them on XX/XX/XXXX that the next payment would be at the end of the month ( XX/XX/XXXX ). I also told them that they were violating laws by contacting me at my job and they should stop calling me at my job immediately. On XX/XX/XXXX I received a call on my cell phone from XXXX XXXX from Malcolm S. Gerald demanding payment again. I told Ms. XXXX that I have spoken with them twice already this month and that my payment would be made at the end of the month ( XX/XX/XXXX ). She stated that it is the end of the month. I stated that XX/XX/XXXX is the end of the month and this was the third time speaking with her agency this month. This agency is harassing me even though I have been making steady payments to XXXX to reduce the amount of my debt. Someone needs to provide them with a calendar and teach them what day is considered the last day of the month and not to contact me at my job.
Company Response: Closed with explanation

Timely Response

2018-04-30

Itasca, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: XX/XX/XXXX Received a letter from Malcolm S. Gerald and Associates , Inc. stating that I owed a balance of {$10.00} to XXXX XXXX XXXX. My wife went to the doctor office and showed the letter. They looked into the system and found the invoice and she paid it. XX/XX/XXXX Received a voice message from Malcolm S. Gerald and Associates asking to call back. My wife called and told them the invoice had been paid. They asked to fax receipt of payment, which she did fax the same day. She also called XXXX XXXX Department and they sent the updated information to XXXX. XX/XX/XXXX My wife called Malcolm to check if they received the fax. They did but refuse to close the account because they have not received any payment from XXXX and that payment made was applied to a different invoice. She then called Advocate to ask why they haven't sent any payment to Malcolm and they said they don't have to pay anything to Malcolm and that I do not owed anything to them since I paid the balance of the only outstanding invoice I had with them. I do not know what else to do. This issue is affecting my credit report.
Company Response: Closed with explanation

Untimely Response

2018-03-26

Westchester, IL

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Complaint: i have worked out a payment plan with the hospital, they still put me into collections, i have received phone calls all day every day from varies numbers XXXX, XXXX, XXXX,
Company Response: Closed with explanation

Untimely Response

2018-03-12

Clermont, FL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I assume M S GERALD is calling me to collect my phone debt from the number XXXX. The problem is not that they call because of my debt, the problem is they call and when I answer they hang up. When I don't answer they leave voicemails with no one talking, and now my dad calls to tell me that someone from their agency called him trying to find me for a debt collection. I don't understand how they never leave messages or talk to the person who owes the debt, but they do talk to someone else not authorized in that account. I still have to talk to a real person. I even called the number now and all I hear is like if it was a fax line. No one never answers.
Company Response: Closed with explanation

Untimely Response

2018-03-09

Wonder Lake, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: My mother keeps receiving calls ( twice in XX/XX/XXXX and one at the end of XX/XX/XXXX ) from Malcolm S. Gerald and Associates regarding debt that has been paid in full more than 7 years ago. I have copies of my credit reports ( upon your request I will forward ) showing this debt has been paid, and there is no other delinquent debt in my name. I have also never received a debt validation statement or any kind of written communication proving I owe this debt after any of the phone calls.
Company Response: Closed with explanation

Untimely Response

2017-10-02

Warrenton, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Malcolm S Gerald & Assocs. phoned me on multiple occasions most recently on XXXX XXXX, 2017 at XXXX XXXX. I was at work at the time. The person on the phone demanded that I pay XXXX dollars to settle a debt for magazine subscriptions. I told him I had no such debt, and I had not ordered any magazines. I asked him to send me evidence of this debt which he claimed to have already done. I have never received anything on paper of any such debt. This company is harassing me with repeated phone calls regarding this false debt. According to their website, their address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Phone : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-30

Hinsdale, IL

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-29

Wattenburg, CO

Written notification about debt

Debt collection: Federal student loan debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: I have not been notified properly via certified mail and am willing to pay the full amount today but would like for the account to be deleted off of my credit report due to the fact I would like to have a clean slate with the university.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-06-07

Oak Lawn, IL

False statements or representation

Debt collection: Medical debt

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

Untimely Response

2016-12-30

Chicago, IL

Sale of account

Credit card:

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-12-23

Tacoma, WA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-01

Dearborn, MI

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-06-23

Norfolk, VA

Communication tactics

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

Threatened to take legal action
Complaint: I asked XXXX XXXX XXXX company to cancel my subscription, that I did not realize I had gotten into. I was being charged {$49.00} for magazines. I would not agree to this price. Company stated that I could not cancel and that they would not send me a hand copy of the bill so I could make payments without my credit card being charged. Representative stated that I could not cancel my account and the only thing they would do is send me to collections. The representative asked me if I wanted them to cancel the account a second time and if I wanted them to send me to collections. I stated no.Representative was rude and hung up on me. I tried to call back and the representative hung up on me again. They sent me to collections. I was also over charged, 2 payments were taken out in one month. I paid a total of {$150.00} for magazines that I did not know were ordered. The type of magazines were never discussed so I am getting whatever they want to send me. I received a statement saying that I am in collections and that I owe about {$1000.00} dollars.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-06-11

Palos Park, IL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Keeps calling. Never received anything in writing from them regarding any debt. We do not have any debts. They try to trick you into answering the phone by saying that if you do not disconnect, they assume you are the party they are calling. Plain harassment tactics.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-04-20

Vallejo, CA

Disclosure verification of debt

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

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

Disputed: No Untimely Response

2016-04-20

Vallejo, CA

Disclosure verification of debt

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

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

Disputed: No Untimely Response

2016-03-10

Stevenson, MD

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: This has been going on for months. By example, from XXXX until today, a company called MS. Gerald, XXXX, XXXX has called 8 times. Each time I pick up the phone and say hello, the call terminates. Tonight I called there number back XXXX. The rep was not forthcoming demanding personal information from me while I was demanding the legal address and the name of the owner from him. Once provided, he advised that if I gave him more information that he would then transfer me to whomever was researching a collection debt. My FICA is in the mid XXXX and I have no outstanding issues that I 'm aware of. It would appear that their tactics are to call and hang up until the consumer takes the initiative to call back and then can fall into some kind of trap providing additional personal information. After a few expletives i hung up. I 've not gotten any written advises or communications inquiring or informing me of a debt - period!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

IL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: They call my home over and over again. They call my employment and not my direct phone number, over and over again and harrass my coworkers with questions but provide no information for them to take a msg. They just called my job three times in five minutes to our customer service XXXX #. They are going to get me fired and it is very embarrassing. They are harrassing, provide no information and ask for personal information i would never disclose by phone and that they should have already if i am the correct debt collector they are looking for. They will not provide me with the bill they claim i owe, nor are they providing the original creditor information etc. I would like them to stop calling me as a whole until they can provide me by phone the information that i will need to pay this bill if i am the correct debtor.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-28

Nyc, NY

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

2016-02-08

VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: My wife received phone call, in 2014, stating she won a gift card. Along with this conversation she was asked several questions, XXXX of which being her favorite magazines. A month or so later I noticed we were getting billed by an unknown company " XXXX XXXX '' which I assumed was from the phone conversation. When we attempted to call the number back, the individual who answered stated that they had received numerous phone calls regarding this issue, but was in way affiliated with the activity. After this we went to our financial institute, XXXX XXXX XXXX, and had them investigate the matter. They determined it to be fraudulent, refunded our money and halted all further transactions. This has been over a years time with no word since, emails, calls, mail etc. Last week we received a collection letter for {$1100.00} from another company " XXXX '' through Malcom S. Gerald and Associates, Inc. My wife never agreed to any contract or services of any form. These charges are fraudulent and we would like to get this taken care of before any negative impact may hit her credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-14

Dixmont, ME

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-13

Harrison, AR

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-01-07

Park City, IL

Improper contact or sharing of info

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

Talked to a third party about my debt
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: Yes Timely Response

2015-12-30

Springfield, MO

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response