Tate and Kirlin Assoc

2018-04-24

Pacific City, OR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Keep getting calls. Looked up number and it said it was from Tate and kirlin associates. I had remembered getting something in mail from them claiming I owed them {$100.00} some dollars on behalf of some company called XXXX XXXX which I had never heard off and lettter had no description of anything of what it was. Looked up online and see tons of complaints from people saying they get letters claiming to owe the same XXXX XXXX place and not knowing what that it. When searching for XXXX XXXX, there is no website that pops up, no info on what the place supposedly does or sells nothing. Only info that pops up is ripoff complains threads with people saying same thing, claim they owe and have no idea what it is, some claim they called and said it was for some supplement trial they never returned and are being charged or some scamming thing. I have not ordered any trial supplenents. Did find website ( link posted ) mentioning this scam from a company called " XXXX XXXX '' where packages show up at people 's doors they did not order, they send it back and then get collections notice from this Tate and kirlin place and another place saying they owe that place. I never received any random package either. XXXX XXXX XXXX Everything I have read sounds like this random XXXX place and debt owed is a total scam and this collection place is trying to collect fake debts from people so therefore they would be scamming people too. I sent Tate and kirlin several messages about calling and that I had no idea what this XXXX place was and even sent them the link to article. They kept calling my cell phone XXXX XXXX XXXX which is my only phone number. I called back and left them voicemail too telling them this seemed like a scam and I didn't know what the place was and there is no info on them and to send proof in mail of real debt from real place.
Company Response: Closed with explanation

Timely Response

2018-04-21

Tampa, FL

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-04-06

Honaunau, HI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2018-03-09

Braden River, FL

False statements or representation

Debt collection: I do not know

Indicated you were committing crime by not paying debt
Company Response: Closed with explanation

Timely Response

2018-03-06

Atl, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-01

New Albany, OH

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2018-01-25

Warren, RI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-01-23

Atl, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-01-23

Cartersville, SC

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: I wrotXXXX XXXX XXXX XXXX XXXX a debt verification letter and stated that any communications from that day forward to me is to be done by mail only. This company is still trying to communicate with me by phone instead of mail.
Company Response: Closed with explanation

Timely Response

2017-12-15

FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I received a collection letter in the amount of XXXX from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they referred me to XXXX. I spoke to XXXX and sent them the supporting documentation via email @ XXXX and postal mail to XXXX XXXX XXXX XXXX with no response. I then pulled a copy of my credit report and they sent my collection to another attorney XXXX XXXX XXXX XXXX who has yet to contact me or respond to my supporting documentation. The account reported in the amount o f {$530.00} as of XXXX/XXXX/XXXX is NOT MINE. I did not sign the contract. The renter signed the contract and is responsible for the account. Please see the attached lease agreement that also matches the XXXX contract name and contact phone number. XXXX XXXX XXXX
Company Response: Closed with explanation

Untimely Response

2017-12-11

Irving, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Untimely Response

2017-11-19

Tampa, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Received a notification from my credit report that an account was added that I have no knowledge of and that no written notice was provided. After checking all of my credit reports I see that this collection agency reported this account improperly on my report., My report also states that this debt was opened in XXXX XXXX, 2017, which is also incorrect. It appears they have illegally reaged this collection account on all of my credit reports which is having a negative impact on my credit.
Company Response: Closed with explanation

Untimely Response

2017-11-14

Bertram, TX

Written notification about debt

Debt collection: Credit card debt

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

Untimely Response

2017-11-01

Chugiak, AK

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Untimely Response

2017-10-23

Conyers, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Untimely Response

2017-10-15

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I paid this Dept ( XXXX ) Off & I would Like the negative balance REMOVED From my Credit Report
Company Response: Closed with explanation

Untimely Response

2017-10-03

Arlington, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a collection notice from XXXX XXXX XXXX XXXX, XXXX on XX/XX/2017 I mailed them a dispute via certified letter ( tracking # XXXX ) which made it a legal document. XXXX XXXX XXXX XXXX, XXXX received this certified letter on XX/XX/2017. In the dispute I requested the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX : Account # XXXX To Whom It May Concern, This letter is regarding Account # XXXX, which you claim I owe {$1000.00}. This is my formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX XXXX, XXXX As per FTC opinion letter from Attorney XXXX XXXX XXXX , you should be aware that a printout of a bill or itemized document does not constitute validation or verification. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe to your company, is in violation of the FCRA & FDCPA Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter with ALL of the requested information may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : this notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims that have been made by any creditor regarding this account. 4. Name and address of alleged creditor. 5. Name on file of alleged debtor. 6. Alleged account number. 7. Amount of alleged debt. 8. Date this alleged debt became payable. 9. Date of original charge off or delinquency. 10. Verification that this debt was assigned or sold to collector. 11. Complete accounting of alleged debt. 12. Commissions for debt collector of collection efforts that is successful. Please provide the name and address of the bonding agent for XXXX XXXX XXXX XXXX, XXXX, in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive all of the requested information back from XXXX XXXX XXXX XXXX, XXXX. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Best Regards, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau XXXX XXXX XXXX XXXX, XXXX has yet to respond to. I am filing to this complaint today to say, I have never done business with this company and do not know who they are. They have never loaned me money and can not stand in a court of law and say that they have. Futhuremore The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. " Subrogation '' means to substitute. " Does not exist '' means is not allowed. " Stranger to the transaction '' means someone or some entity not on the original contract. This includes attempts to collect based on assignment, sale/purchase, or trade. The collector can not substitute himself to collect money because he believes he was assigned the task or he purchased the bad debt, or traded some bad debt for a different bad debt. I have never agreed to do business with your company - XXXX XXXX XXXX XXXX, XXXX-, your company is not mentioned on any contract I 've ever signed with anyone and I demand full validation, meaning a contract between you ( XXXX XXXX XXXX XXXX XXXX XXXX ) and me with my true wet ink signature on it! I have never contracted with XXXX XXXX XXXX XXXX, XXXX. There is no contract with XXXX XXXX XXXX XXXX, XXXX or myself, regardless of whether XXXX XXXX XXXX XXXX, XXXX purchased an account from an Original Creditor or not. Another thing is that if XXXX XXXX XXXX XXXX, XXXX claims that they have received all rights of interest and assignment when they purchased the account, XXXX XXXX XXXX XXXX, XXXX is automatically violating the Statute of Frauds. XXXX XXXX XXXX XXXX, XXXX has NEVER exchanged anything of value with me, yet they want me to give value to their company. That is not equal risk, a pertinent part of all valid contracts. Furnishing or attempting to verify information with credit bureaus that is inaccurate is ILLEGAL COLLECTION ACTIVITY. XXXX XXXX XXXX XXXX, XXXX is in clear violation of the FDCPA for continuing collection activity while refusing to respond to every demand for validation I have sent. I HAVE REQUESTED ON SEVERAL DIFFERENT OCCASIONS FOR VALIDATION WHICH IS A SIGNED CONTRACT BETWEEN XXXX XXXX XXXX XXXX, XXXX AND ME! NOT PAPERWORK FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOES NOT HOLD A CONTRACT BETWEEN ME AND THEM NOR DO THEY HAVE MY SIGNATURE LISTED ON A CONTRACT SHOWING IMMEDIATE CREDIT RECOVERY!! XXXX XXXX XXXX XXXX, XXXX will need to provide a contract between me and them specifically!! I deny your claim, I deny owing any monies, I deny any contract with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has never lent anything to me or provided any services to me, and I refuse to contract with them as I do not do business with 3rd party debt collectors. Please send me proof of your Bill of Sale and the price you paid to purchase my information and create this account, which you did without my knowledge, without my consent, without A CONTRACT or AGREEMENT allowing you to subrogate on my behalf. What XXXX XXXX XXXX XXXX, XXXX did when they created this alleged account is commit fraud against me and perpetrate identity theft against me. XXXX XXXX XXXX XXXX, XXXX does not qualify to make a claim against me according to the Doctrine of Subrogation. If XXXX XXXX XXXX XXXX, XXXX does not produce a contract with my signature as well as XXXX XXXX XXXX XXXX, XXXX/representative of this companys signature in 15 days from the receipt of this final statement, I will have no choice but to file suit against XXXX XXXX XXXX XXXX, XXXX. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX provides me with all of the information I have requested, they better not even think about reporting anything on my credit report. I am extremely litigious.
Company Response: Closed with explanation

Untimely Response

2017-08-30

Destin, FL

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

2017-07-25

Sylvester, GA

False statements or representation

Debt collection: I do not know

Impersonated attorney, law enforcement, or government official
Complaint: Invoice Date X/XX/17 {$130.00} Collection Firm : Tate & Kirlin Associates, Inc I just received a bill in the mail from Tate & Kirlin Associates, Inc. I have no idea what this is for. I do n't owe anything like this at all. I feel like it is a scam.
Company Response: Closed with explanation

Untimely Response

2017-06-15

WA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Tate & Kirlin Associates sent me a letter on XX/XX/XXXX stating I owed {$280.00} to creditor XXXX XXXX XXXX. I sent a letter disputing the debt and requiring disclosure of the origin of the debt on XX/XX/XXXX. No one respnded to my letter. I received a similar letter on XX/XX/XXXX with a different account number for the same amount. I sent another dispute letter and have no response. They call me every single day when Im at work. I answered once and the woman on the phone yelled at me, told me she was helping and I had to work with her to make a payment plan. She would not acknowledge my dispute of the debt or my previous letter.
Company Response: Closed with explanation

Untimely Response

2017-05-28

Lexington, NC

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: XXXX XXXX XXXX is trying to get me to pay XXXX for an account I had with a credit card company XXXX XXXX . they just keep calling me and being rude even though I tried to work out a plan. I do n't want them to call me anymore for any type of collections. they are using another company to try and get me to pay.
Company Response: Closed with explanation

Untimely Response

2017-05-03

Gold Beach, OR

Attempts to collect debt not owed

Debt collection: I do not know

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

2017-05-03

Palm Desert, CA

Attempts to collect debt not owed

Debt collection: Credit card 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

2017-04-29

Ogden, UT

Incorrect information on your report

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

Account status incorrect
Complaint: XXXX XXXX {$180.00} PAID YEARS AGO THRU XXXX . XXXX XXXX {$310.00} PAID YEARS AGO THRU XXXX
Company Response: Closed with explanation

Timely Response

2017-04-25

Clarkesville, GA

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