Tate and Kirlin Assoc

2019-12-10

San Diego, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-11-17

Brentwood, TN

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

Carson, MS

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: I have a collection account listed on my credit report by a debt collection agency, XXXX XXXX XXXX, collecting on behalf of XXXX XXXX. XXXX XXXX XXXX is the current creditor, but Tate & Kirlin Associates , INC has been sending me letters offering to settle the account. XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX is licensed to collect in the state of Mississippi and therefore I am disputing this collection account. The collection account was last reported on my credit report on XX/XX/19.
Company Response: Closed with explanation

Timely Response

2019-08-27

Bronx, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: XXXX XXXX XXXX im not recognize this account XXXX XXXX not recognize this account
Company Response: Closed with explanation

Timely Response

2019-08-13

Manhattan, NY

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-08-08

IN

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: This debt Is the result of identity theft. This case has been dismissed in XXXX County Court on XX/XX/18. I have advised this third party collection agency to cease communication on 2 separate occasions. I continue to get phone calls and emails requesting me to pay a debt that is not owed. I tried to contact this company again today after receiving another email. I was hung up on and aggressively spoke to by several different representatives. When I asked repeatedly to speak to a supervisor, I was hung up on. I am seeking legal representation for the abusive practices and collecting on a debt not owed.
Company Response: Closed with explanation

Timely Response

2019-07-13

Pinellas Park, FL

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-11

Pinellas Park, FL

Communication tactics

Debt collection: Payday loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-07-09

Gretna, NE

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-07-07

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: My husband and I are being harassed by Tate & Kirlin Associate 's, Inc, in the amount of {$180.00}. The address listed for them is XXXX XXXX XXXX, XXXX XXXX, XXXX PA, XXXX. The original creditor is XXXX XXXX XXXX and lists a current creditor of XXXX XXXX. This bill was discharged in a bankruptcy in the 1990 's. XXXX XXXX is no longer in business, the new company 's name is XXXX XXXX XXXX. I sent a certified letter to Tate & Kirlin, attention of the President of the Legal Department disputing the debt. The certified notice was signed for. I explained the situation in detail and requested the original contract verification, dates and payment history. I followed up and they refused to discuss it and refused to put me in direct contact with the President of the company. I then sent a certified letter to XXXX XXXX XXXXXXXX XXXX Corporate Office, XXXX XXXX XXXX XXXX, XXXX IN, XXXX, attention President of the Legal Department which was also signed for. I explained the same thing in detail and requested the same information. I followed up and again, they would not discuss the debt and refused to put me in direct contact with the President. The debt is submitted on our Credit Reports every single month. My husband 's Credit Report states paid in full and also states as an outstanding bill. My Credit Report states as outstanding and does not state paid in full. I also disputed this debt with all Credit Reporting Agencies, to no avail. We do not owe this debt. No one will help us.
Company Response: Closed with explanation

Timely Response

2019-04-25

Fresno, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: 1.Original Creditor - XXXX XXXXXXXX XXXX XXXXXXXX 2.Collection Agency - XXXX XXXX XXXX 3.Now Owned By - Tate & Kirlin Associates , Inc Two Different Amounts {$1200.00} - {$1200.00} Claiming Amount Owned Date Disputed XXXX - XXXX - XXXX Disputed Charges And Asked For VOD Validation Of Debt *** NOT Validation*** Resolution :XX/XX/2018 Per XXXX : I Quote Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act ) Inaccurate, Unverified Accounts Per FCRA Sec. XXXX Using XXXX XXXXXXXX XXXX is an automated does not even begin to Constitute a reasonable Investigation.
Company Response: Closed with explanation

Timely Response

2019-04-13

AL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I received a letter from Tate and Kirkland Associates Incorporated out of XXXX Pennsylvania dated XX/XX/XXXX. The letter stated that the client has authorized to offer a discount of 50 % of my balance to satisfy the account that was originally {$690.00}. XXXX for a XXXX XXXX XXXX card I defaulted on. I call the collection agency and spoke to a representative by the name of XXXX XXXX. I I spoke with her and she agree that I can make to installment payments one on XX/XX/XXXX for {$170.00} and the next payment will be due on XX/XX/XXXX for {$170.00}. She agreed to delete the account once the total balance of XXXX was paid which is the agreed discounted offer of 50 % of the original balance of {$690.00}. I made both of the payment as agreed on time with my bank card was on file to make the payments and it was automatically drafted on the days as stated above. Now that the debt has been satisfied the account is still reflecting on my credit report with an incorrect balance only reflecting the XXXX I paid in 2 payments and still have the remaining balance left over from the original balance of the XXXX which is incorrect. As agreed by the representative from Tate and Kirkland Associates the account was supposed to have been deleted after the XXXX was satisfied. I have paid the debt, and it is still reflects on my credit report .The account balance is incorrect. I would like for Tate & Kirkland & Associates to honor the original agreement and delete the account from my credit report. I have called the company every day for the last week requesting for the original representative I spoke to to send me a letter of our agreement and to give me a call back. I have not received a call back and I have not still receive a letter from the Creditor with the original agreement to have the payment deleted from the account.
Company Response: Closed with explanation

Timely Response

2019-03-20

Kissimmee, FL

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2019-03-19

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-02-23

Houston, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-02-06

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-02-01

Conyers, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: About 30 days ago I submitted a dispute to XXXX regarding an account that had been previously DELETED, yet unexpectedly added to my credit file again. I asked the reporting agency how could they add a debt that was one, proven not mine the first time I disputed it, and two, that you did not validate before added an account that had already been removed. XXXX confirmed the debt, without validation as this is NOT my debt, I have never had business with Tate and Kirlin Associates. The debt that was deleted was XXXX XXXX XXXX. How can the same account be owned by TWO creditors, and also they have attempted to ILLEGALLY re-age the debt to the time is seems like Tate and Kirlin purchased the account, which is a direct violation of the FCRA. More importantly, this was a debt that one company claimed to own ( XXXX XXXX XXXX ) two years ago, XXXX validated it without cause, then deleted it, they were supposed to notify me in WRITING of an attempt to add a debt that had been previously removed as invalid
Company Response: Closed with explanation

Timely Response

2019-01-31

Topeka, KS

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-11-28

Houston, TX

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-10-02

Cordova, TN

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Received correspondence from Tate & Kirlin Associates to collect a debt for XXXX. I informed XXXX to terminate the services because the security service never worked because of the internet connection. Previously I made several calls to XXXX requesting the service be repaired or terminated because of bad services. I wasn't in a contract when I requested the services be terminated. This debt was previously with XXXX XXXX XXXX. I also informed them I didn't owe the debt.
Company Response: Closed with explanation

Timely Response

2018-09-27

August F. Haw, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-09-21

Maxwell Afb, AL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: RECEIVED A BILL FRO THIS COMPANY BY THE NAME OF TATE & KIRLIN FOR A XXXX XXXX BILL AND i DON'T HAVE A CLUE WHAT THEY ARE TALKING ABOUT. i DON'T HAVE TIE TO DEAL WITH RUDE PEOPLE WHO TRY TO INTIMIDATE YOU INSTEAD OF LISTENING TO FACTS.
Company Response: Closed with explanation

Timely Response

2018-07-12

Providence, RI

False statements or representation

Debt collection: Payday loan debt

Attempted to collect wrong amount
Complaint: I was working with a financial advocate to clean up my credit report and get my debts cleared and in doing so we disputed some things on my credit report to make sure things were accurate. A payday loan that I took while I was in the military service from a company called XXXX XXXX is the problem. I initially took the loan for {$3000.00} dollars on XX/XX/2013. I paid this loan until I was XXXX from the military on XX/XX/2013. I brought this balance down to {$1600.00} dollars over this course of time with {$120.00} payments every month via an alotment on my paycheck. After I was XXXX from the military I lost everything and I went through a period of XXXX. Working with the advocate, after we disputed and checked the accuracy of the debt and it was reported completely accurate at {$1600.00} dollars by all three credit bureaus. Within 60-90 days of getting the reports that it was accurate, the creditor sold my debt to another party and increased the debt to {$4100.00}. This is a violation of the fair credit reporting act and the fair debt collection practices act and therefore, I want the amount to reflect accurately and I want to stop this company from doing this to veterans like me. I need help bringing a suit under the fair debt collection practices act.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-06-15

KY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: I pulled my credit report on XX/XX/XXXX after being denied a home loan. Denial was for a {$9600.00} debt from XX/XX/XXXX. I called the company listed on my credit report on XX/XX/XXXX. They referred me to a law firm, Tate & Kirlin. I called Tate & Kirlin Associates on XX/XX/XXXX. I was told the debt was a credit card that was opened on XX/XX/XXXX and last closed XX/XX/XXXX. I was not aware of the debt. I have a credit report that I pulled on XX/XX/XXXX which did not reflect any issue of this type.
Company Response: Closed with explanation

Timely Response

2018-05-24

Swiftwater, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: The debit is from prior to XX/XX/XXXX. XXXX XXXX from Tate & Kirklin, who is collecting on behalf of The Bureaus, disputed this with me so I requested documentation proving the age of the debt. The only thing they provided was a old credit card statement from XX/XX/XXXX that shows a prior balance and interest owed. I called XXXX back to tell him the document has no proof of date of purchase, he replied " I know but that's the only documentation we have ''. I went on to remind him that the debt is greater than 7 years old and he said he knew that and said he told that to The Bureaus. I told him this needs to be removed from my credit, he said Tate & Kirklin can't do that I needed to contact The Bureaus and gave me the phone number. He went on to say he would note in my account again that this item is in dispute due to statute of limitation being expired. I tried calling The Bureaus but I can never get a person because their phone lines are always full. Instead, I get a voicemail to leave my name and number for them to call back, but they never call back. I find it interesting that these companies can negatively impact a person 's credit but don't have to take any action to correct it in a timely manner once proven wrong. We, the individuals impacted, have spend hours trying to find someone to talk to only to get no where because no one mandates them to follow the law. In this case, The Bureaus bought the old debt from XXXX XXXX ( who already sent me a letter stating that the debt was too old to collect and therefore being removed from my credit ). The Bureau then hired XXXX XXXX XXXX to collect on their behalf but they can't do anything to solve issues so back to The Bureaus I must go. This is a broken cycle of voice prompts, nasty - disrespectful individuals, unethical companies and no resolution to something that impacts ones entire life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response