Selip Stylianou, LLP

2019-11-05

Camden, NJ

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-05

Central Sq, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-15

NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: This following matter is in regards to the company of Selip & Stylianou , LLP. I have called Mr.XXXX XXXX at ext. XXXX on XX/XX/2019. He was very pleasant and courteous. My bank account has been completely frozen and I have been charged a fee of {$100.00}. As I have told Mr. XXXX I am unable to pay the balance of {$3700.00}. I do not have sufficient funds in my account. According to The Exempt Income Protection Act of 2009 the first {$1700.00} of my account can not be frozen. As such they are illegally trying to extract money from me as well as illegally freezing my account. I have posted a message on their website ( they do not have an e-mail address ) with the above information. I am ready to take legal action if my account is not freed and the fee of {$100.00} is not credited to my account. If my account is freed and I am reimbursed the {$100.00} charged to me I will not seek legal action. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-11

Nyc, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: XXXX XXXX XXXX improperly froze my bank account, I haven't had access to any funds since XX/XX/XXXX. Not a soul from XXXX XXXX XXXX reviewed the account prior to freezing the funds. My account includes exempt funds however XXXX XXXX XXXX and Selip and Stylianou LLP refuse to release the funds. I've provided both the bank 's legal team and debt collection agency with exempt claim form documentation to show the funds are exempt. XXXX XXXX XXXX keeps telling me they are not responsible for releasing the funds even the exempt funds. XXXX XXXX XXXX refers me to Selip and Stylianou to release my funds. I've explained the laws to both parties and they refuse to comply. In addition to not releasing the funds, XXXX XXXX XXXX charged me a processing for the payment they gave Selip and Stylianou. They have left me in a position of financial hardship with my daughter unable to provide basic needs. I now have late fees for my rent, no childcare, and food.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-10

San Gabriel, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: On XX/XX/XXXX my bank account was put on hold for {$2400.00} and a " legal fee '' was charged by the bank in the amount of {$120.00}. I spoke to XXXX from Selip & Stylianos because my bank informed me they were the firm who provided them with a court order. I explained to XXXX that their information was inaccurate because the only XXXX XXXX credit card I have is currently active and in good standings, it's also a secured credit card. In prior years I had also had a XXXX XXXX bank account and if anything would have been linked to my name they would have informed me at the time. I NEVER received not a single document from this firm. Through my further investigation, I found that this same debt, I disputed when another collector attempted to collect on it. I filed a complaint against that collector and XXXX XXXX, in which XXXX XXXX responded with a letter dated XX/XX/XXXX. In this letter XXXX XXXX states " We have reviewed our record and found that we are not reporting this account to any of the CRAs. Please note that your account charged off on XX/XX/XXXX, and was then placed with multiple collecting agencies. The first agency was XXXX, placed on XX/XX/XXXX, through XX/XX/XXXX. The account was then placed through the Attorney Network ( NAN ) with the firm Selip & Stylianos, LLP on XX/XX/XXXX. This firm was previously called Cohen & Slamowitz , LLP. We have contacted the firm to inform them of your concerns, and have updated their records with your request for a cease on collection efforts. They have no records of having speaking to you ''. I have also faxed this letter to XXXX on XX/XX/XXXX to the fax number she provided me which is ( XXXX ) XXXX. XXXX XXXX also states that this account was opened online and there was no signed copy of an application, which could explain why I was not aware of it. I acquired my first credit card in XXXX which happened to be a secured XXXX XXXX credit card. My information must have been stolen during the several times I lost my wallet throughout the years. Once again, I never received any form of communication from XXXX XXXX or Selip & Stylianos regarding this matter until I saw it in my credit report and disputed it. I've forwarded my mail through USPS to wherever I lived and never did I receive correspondence for this and I did not live at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, I'm contacting the credit bureaus in order to have this corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-04

Heer Park, NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-29

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-04-29

Queens, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SELIP & STYLIANOU , LLP Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX To whom this may concern, Ive received a copy of my credit report and you are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports. Heres the law in case you never read it before. ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from you. Ill break it down very easy for you. But know this, should you fail to provide every single thing I request form you, and dont worry, the list will be short, sweet and to the point, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which youve submitted this unverified and un-validated information. This is request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specically Naming SELIP & STYLIANOU , LLP as an entity entitled to enforce a commercial claim You do not conduct commerce ) against me. *Certified shall be done through the presence of a notary public, who authenticates and duly swears the copy made is in fact a copy of the original paper contract in question ( meaning the original contract from the original creditor would need be provide to the notary, and the notary would need to make the copy themselves ). You will also need to provide the following : Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : File a complaint with the Attorney General File a complaint with the XXXX XXXX XXXX XXXX a complaint with the Consumer Financial Protection Bureau File a complaint with the Federal Trade Commission File a Police Report against your company for harassment, invasion or privacy and attempting to extort money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-05

Nyc, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Complaint: XXXX XXXX XXXX represented by Selip & Stylianou , LLP put a hold on my bank account because they state I have a debt with XXXX on XX/XX/XXXX which was paid back in XXXX and it was paid to XXXX XXXX XXXX XXXX ASSIGNEE OF XXXX I send them the proof of my check being garnish by the Sheriff and they are stating it is not the same debtor and I only had an account with XXXX '' XXXX '' is the bank for that store
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-02

West Branch, NY

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-28

Bohemia, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: Withdrawal was made from my checking account for {$5900.00}. I called my bank to find out who authorized this payment and was told it was from a debt collector. I then called said debt collector and was advised a judgement was placed against me for a supposed debt owed in the amount of {$3100.00} from 2008. I was not notified of said judgement or that any legal action would be taken. They are refusing to return my funds. Also more money was taken from me then Is supposedly owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-12

West Branch, NY

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-19

Addisleigh Park, NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-19

Stamford, CT

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-10

Stamford, CT

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-27

Flushing, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-25

Lionshead Lake, NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-25

Lionshead Lake, NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-19

N Valley Stream, NY

Took or threatened to take negative or legal action

Debt collection: Other debt

Sued you without properly notifying you of lawsuit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-04

Hollis, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-16

Brooklyn, NY

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-08

Elmhurst, NY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-27

Gloucester City, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I received a letter from SELIP & STYLIANOU , LLP XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX, stating that I owe {$920.00}. Multiples companies have attempted to collect various amounts of this debt for about 15 years. The account was entered into judgement and was never served papers. Easily verifiable through the postal system. About 10 years ago, one of XXXX XXXX XXXX 's collection agencies withdrew about {$400.00} from my XXXX XXXX account. At that time, I contested the validity of the debt and they're fraudulent practices against me and the banking industry. I never received a response. Now, in 2018, I receive another letter from XXXX XXXX XXXX certified mail that I owe {$920.00}. They have filed a court complaint docket no : XXXX and threatening to levy my wages from my employer. This is extortion and needs to be investigated immediately. Their bully tactics and predatory practices have gone on too long. This is my last hope before I contact a lawyer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-05

Manhattan, NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-22

Bargaintown, NJ

False statements or representation

Debt collection: Credit card debt

Indicated you were committing crime by not paying debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response