Weltman, Weinberg Reis Co., L.P.A.

2016-01-18

Columbus, OH

Taking/threatening an illegal action

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

Sued w/o proper notification of suit
Complaint: I had a line of Credit with XXXX of XXXX, Ohio, XX/XX/XXXX, I was in the process of selling an old company, and was not getting alot of my mail, I was unaware there was a current outstanding amount owed to XXXX, on XXXX/XXXX/XXXX, XXXX XXXX XXXX ( XXXX ) filed suit against me with no notice, the address he used is not a valid address in the City of XXXX, it say 's some one signed for it but was not me and they could not make out the signature, per the court, I was not aware of the issue till I went to get a loan and a Judgement showed up on my XXXX credit files, so on XX/XX/XXXX, I sent a letter to XXXX and followed up with one of the Managers to resolve the matter, the manager understood the issues at hand and stated he would help resolve it, but he found out later that they had sold the account to the Law firm, and his hands was tied, he stated that they forwarded the letter to the Law firm, instead of trying to resolve the matter, XXXX XXXX XXXX, elected to file another lien to the bogus address, now because they where told to stop calling and harassing me, I thought that might be the reason the where not reaching out to resolve the matter, so I sent another letter with the offer to reach out to my counsel, we heard noting, less than 60 days ago, XXXX from there XXXX office ( XXXX ) XXXX at XXXX XXXX stating he was trying to collect this debt, when he told me who he was calling, I stated to him that I sent a stop order to the firm, he stated he did not care and that it was valid, I also told him that service was done to a bogus address, again he stated he did n't care, I told him that he was put his counsel 's law licences in to question he did n't care, I then reached out to XXXX, who want 's to do business with me again to see what they could do, they reconfirmed since they had sold it, they where out of the loop even thought they agreed that if they still had it and I was willing to pay the XXXX amount they would just remove it and clear the item, this firm has hundreds of complaints against them with mutiple states and agencies acrossed the country.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-05

Euclid, OH

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: I received a letter by mail on XXXX XXXX 2015, stating that I owed XXXX XXXX. I do n't know why it went into collections, since I was making payments to XXXX. After I read the letter saying that my payments were to be XXXX dollars a month I concurred. I started making payments immediately. I paid XXXX dollars in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. Then I get a call from WWR Law firm stating that my bank account had insufficient funds, which is not true I replied. They said that they spoke with the banks representitive and when I asked them if they have a confirmation number from that bank they said yes and read a false confirmation number because the number was from my receipt of payment that I had made to them. We hung up and I called my bank and asked them if they got a call from WWR law firm and they said that there was no record of them in the system for calling. I told the bank what the law firm said and they said that I do have sufficient funds for the payments I made, but that there is no record of a charge on my account. When I tried calling the law firm back they did n't pick up the phone and I did call several times that day. I then filed a complaint with the FTC. Then i received XXXX letters from WWR Law firm stating to pay the full balance of XXXX. So then I thougt oh they took out at least XXXX from my account. But when i checked they did not. So I went to the website " wwrepay.com '' to make a payment, but the website gave me a different amount XXXX I need help. I want to pay my debts but this law firm is making it very difficult as they are lying to me. I am a very honest person and respect the law., but This firm seems to be a little dishonest.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

Westfield Ctr, OH

Taking/threatening an illegal action

Debt collection: Credit card

Attempted to/Collected exempt funds
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Lincoln Park, MI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-11

Windsor Castle, PA

Forbearance / Workout plans

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Elmhurst, IL

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-08

Rochester, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-06

Glendale, CO

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-18

Talladega, AL

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2015-11-18

MS

Taking/threatening an illegal action

Debt collection: Non-federal student loan

Threatened arrest/jail if do not pay
Complaint: On XX/XX/XXXX I received XXXX letters from Weltman Weinberg an dReis based in XXXX. I reside in XXXX. The leters noted that I had student loan that totaled approximately {$19000.00} and that the original debtor wanted the money in full and now. I spoke with a lady named XXXX. She went on to note that she really was not concerned with me it was my mother who was the cosigner XX/XX/XXXX that she was after. She noted that she would settle for {$16000.00}. I asked to make payments and she continued to note that she need the full payment of the settlement. She went on to note that she had spoken with my mother on Wednesday who is XXXX years od and with failing health problems. She noted that my mother told her she did not know about any loans. She went on to tell my mother to go to the police station according to my mother and sign papers on me for forging her signnature and she would send her the papers. However she went on to tell me that as we were speaking she was processing the paperwork with the police department to have me arrested. I again asked for a installments of at least $ XXXX {$150.00} per month until paid in full and allowing her to draw a contact that if I miss a pyment all moneies become due in full but thsi was not an option.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-13

Monterey, IN

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: Letter from LawyerWe have completed an examination of your bankruptcy case and spoken with our lawyer. It appears to us that the firm has done nothing which has injured you. Understanding our position requires some understanding of a complicated and, in some ways confusing set of laws relating to the bankruptcy and the real estate which you own. Your state has an exemption for a certain amount of equity in real estate. That is to say in a bankruptcy the creditors can not sell your residence to satisfy their judgment if you have less equity in the home than the amount of the exemption. The bankruptcy court can only order a creditor whose judgment has matured into a lien on your property to release that lien if you have equity in the real estate and that equity is less than the amount of the exemption provided under your state 's laws. The problem here is that at the time of your bankruptcy you had no equity in the house. That is to say the amount of the mortgage was equal to or greater than the fair market value of the home. Under those circumstances the court can not enter an order to avoid the lien of the judgment. There was nothing that could have been done to get the court to do that. We attach hereto a copy of the Court 's opinion on our motion to avoid the lien which states what I have just told you. While there was n't a motion filed during your bankruptcy to avoid the lien, the Court has made it clear that it would have denied such a motion in any event. This does n't mean that you still owe the money to that creditor. You do n't! The judgment and the debt are discharged. The creditor can not take any action against you to collect the debt or enforce the lien. You should be able to refinance your mortgage without worry merely by showing the lender that you received a discharge in bankruptcy. I hope this is helpful and that you will be able to fulfill your economic plans in the future.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-11

Detroit, MI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I received a debt collection letter on XXXX XXXX from a debt collector by the name of Weltman , Weinberg & Reis claiming the I owed {$8000.00}. I sent this debt collector a certified validation letter on XXXX XXXX, however I was also served with a summon and complaint from this collector of which I answer the summons denying all claims of owning this debt. This debt collector ignored and refused to give me solid proof that this debt was mine. They continued to collect on this debt by filing a motion for a default judgement. I received a letter from the courts stating that the motion for a default judgement for the plaintiff was denied and that the matter was dismissed without prejudice. I did not hear anymore concerning this matter until a week ago when my wages was garnished resulting from this debt. This debt collector never validated this debt, they ignored my validation letter, and continued to aggressively pursue a debt that was not validated, and I feel this was a deliberate violation of the fair credit debt collection act. I am filing this complaint because they have violated the fair credit debt collection act with their false credit schemes.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-02

Lathrup Village, MI

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-28

Dayton, OH

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

2015-10-27

Birch Run, MI

False statements or representation

Debt collection: Mortgage

Attempted to collect wrong amount
Complaint: Recived a letter stating that I have a lawsuit filed against me in the XXXX judicial district court in XXXX XXXX, Michigan. XXXX Bank, XXXX successor by merger to XXXX Bank, plaintiff XXXX Myself XXXX XXXX XXXX. Case # XXXX in witch I called and there is no case filed ... By said debt collector Weltman Weinberg & Reis co XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX a XXXX XXXX XXXX XXXX. Is attempting to collect a debt that at the time I was in debt to XXXX bank, loan was secured by collateral said property. We lost our house do to fire. The property was sold in a sheriffs auction do to taxes we could not afford. XXXX bank was notified of the sale and stated that they showed no interest in the property 's. The loan was for {$7500.00} and the property sold for {$40000.00} and they should have been payed at the time of sale to cover the debt before the title could have been released and cleared. Sale took place one year and five months a go. I have atempted to in the past make payments at the bank and payment was refused ...! I now am XXXX and do not have an income. It so states in my contract that the loan was set as a mortgage and the property was used to secure the loan ... I feel as tho I am being harassed and that this collector has and is sending me false documents in attempt to collect funds I do not owe.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-20

Euclid, OH

Improper contact or sharing of info

Debt collection: Credit card

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

Disputed: Yes Timely Response

2015-10-17

OH

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I did not receive proper time on verification of debt. On XXXX XXXX, 2015, I received a collection letter from Weltman , Weinberg & Reis Co LPA ( WWR ) for a XXXX XXXX account that I was unaware of having the account. I phone that same day, XXXX XXXX at XXXX, to discuss a settlement and check on another account that was being verified as my account. I have other accounts with WWR, they know my history is to call when presented with a letter since I have no phone and work out a settlement. WWR also has my permission to use email. My mail was being delayed and lost at the time that WWR sent their collection letter. I have documentation, phone calls and have appeared at the USPS. Also, WWR letters take a week before arriving at my address plus this letter was at the time of the XXXX XXXX holiday mailing. I was on the phone, XXXX XXXX at XXXX, WWR representative explaining that I just received their letter for collections and explained my USPS issue. My main purpose was to discuss the account since I had another XXXX XXXX account saying the letter was delayed and I also was calling to check on another account that was in the process for account verification by WWR. During this phone call the WWR representative checked the account and told me the was in process for a Judgment - it was " pending ''. I was distressed to discover this account was " moving into the court ''. Even more so when I knew it still could have been halted and WWR would not work with me to prevent this appearing on my credit. This Judgment could have been prevented. WWR stated the account was being " delivered '' to the Court system that very day. I requested they halt the judicial process to avoid a judgment complaint and I exercised a clear willingness to establish a settlement satisfactory to Plaintiff. WWR stated they would not stop the judgment. I was under the impression WWR was walking the Judgment into court and requested they contact the person delivering the complaint so it would not go into court, discuss the matter and work out a settlement agreement. WWR stated the account can not be withdrawn once delivered to the Court ; the only option for me was to pay the account in full. I, rightfully, refused the settlement because of mounting bills and deficits attributed to being unemployed and now under-employed. I did re-commit to the representative an appreciable payment of funds reasonable payment plan as settlement. WWR stated the complaint could not be withdrawn without even counting Plaintiff. I was refused my legal right of the FTC opportunity to verify the account as mine for dispute. WWR has no proof of service and I have received mailed from WWR that has arrived to me at least a week with regular USPS process. The court granted mediation. I sent my summary to Mediator and WWR as per the court request. I never received a Summary from WWR. On XXXX XXXX, 2015, the day of Mediation, WWR did not appear at but phoned in at least 20 minutes after the meeting started between the Mediator and myself to ask " how it was going '' with the Mediator. The Mediator provided WWR with our progress and then hung up. During my mediation meeting the Mediator was interrupted during our meeting with a few phone calls. Basically my meeting was the Mediator thought it was in my best interest to sign the Judgment Entry. Mediator signed the Judgment Entry on behalf of WWR not presentOn XXXX XXXX, 2015 I received a large envelope from WWR containing a letter dated XXXX XXXX, 2015 with statements from XXXX XXXX. The letter states " ... Enclosed per your request please find copies of the Account Statements and Cardmember Agreement with regard to the above mention matter. Please review the documentation and contact ... to discuss a resolution to this matter. '' This letter came to me intentionally after Judgment granted to Plaintiff : why now, to fulfill FTC law?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-25

Pasadena, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: About 10 years ago, my wife co-signed on a loan for my daughter. We borrowed {$27000.00}, Today, we owe {$47000.00}! We have made payments over the past 10 years, but there came a time when we could not make full payments. A couple of years back the agency we borrowed from sold our debt to a law firm that offered us an arrangement. We now pay {$50.00} a month. I am unemployed and currently have XXXX of my adult children and our granddaughter living with us. The added expenses make it very difficult to pay more. What I would like to know is why this law firm increases the balance of our loan principal by $ XXXX/month! I do n't own a home, have spent all our savings, and have no other assets to be able to offer a settlement. At this point, my wife and I ( I am XXXX ) will never be able to pay this loan off.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-22

Vinton, LA

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

Itasca, IL

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-10

WA

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Complaint: Between XX/XX/XXXX and XX/XX/XXXX I went to XXXX XXXX XXXX University in XXXX Washington -- In doing so, I took out {$20000.00} in federal loans, and XXXX separate private loans in the amounts of {$10000.00}, {$10000.00} and {$12000.00}. -- for a total of around {$52000.00} in student debt. The private loans were disbursed in XXXX and XXXX, right before the financial crises -- XXXX of the {$10000.00} loans were from XXXX XXXX, and the {$10000.00} and {$12000.00} loans were from XXXX ( XXXX XXXX XXXX ... ). These loans had an interest rate at the time of around 4 %, I was promised I would have plenty of flexibility in repayment, and furthermore, the loans required a co-signer -- and the accepted my mother as a co-signer who is on Social Security/XXXX. At the time I was just eager to go to school, so I accepted their terms of a 10 % " processing fee '' which immediately added $ XXXX to the balance. Shortly after I graduated, my loans were assigned to XXXX ( my Federal Loans also changed from their lending banks to servicers ), and XXXX was completely unwilling to work with me -- there was no way at my current income I could afford {$500.00} in loan payments, as well as my federal loan obligations. I make {$2000.00} net per month, live alone, and rent and utilities are around {$1000.00} total ( for a fairly small apartment ) -- after vehicle expenses, gas, and some groceries, I maybe have {$200.00}, if that left total -- and I was sending it to my student loans. For the first year they let me make partial payments, and have forbearance -- then after that, they said there was " nothing they could do '' ... and so I paid on the loans, $ XXXX-XXXX per month. I tried to refinance the loans, which they said would get me down to $ XXXX-XXXX per month and offer some additional relief, but they said my credit was n't good enough ( due to delayed loan payments that they themselves reported ) ... Needless to say, this went on for about 4 years, until I was somewhat behind on my loans ( 60-90 days ) -- and I had sent in a {$400.00} payment. A week later, I checked the XXXX website, and it said I had a XXXX balance. I then got a call from XXXX XXXX, and Weltman Weinberg and Reis -- XXXX had referred my loans to collections. XXXX XXXX had one of the ( initially ) {$10000.00} loans -- now at $ XXXX after interest, and has been very willing to work with me. They ended all accruing interest, and I have payments set a {$100.00} per month -- when I get behind they reset this and the loan will slowly get paid down. The XXXX loans are a different matter -- these went to Weltman, Weinberg and Reis. They are demanding a minimum payment of {$740.00} per month -- there is no way in hell I can make this, as well as payments to XXXX XXXX and my federal loans. Weltman refuses to stop interest from accruing, and tell me they would be happy to " settle '' my loans for {$12000.00} each ( with their " interest '', they are both nearly {$20000.00} each ) in one chunk -- when I ask how they think I can do this, they say " get a debt consolidation loan '' -- I 've tried that, there is NO ONE who will touch me. I do n't know what to do!! I have about {$400.00} per month I can pay for ALL my student loans ... I 've cut expenses to the bone and can get it up to about {$500.00} per month -- for all of them. I need to either figure out how to get a debt consolidation loan from a lender who does n't care how bad these companies trashed my credit ( the collection agency 's suggestion -- of course they could n't refer me to any lenders ) -- or at least get the agency to agree to very minimal payment terms, and cap the interest until there is a point when my income is better and I can increase my payments -- or have them actually help me by finding a consolidation lender who will take these out of collections/rehabilitate them so that the payments are more reasonable -- which is what I was asking AES to do all along!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-24

Greenwood, CA

Disclosure verification of debt

Debt collection: I do not know

Not disclosed as an attempt to collect
Complaint: received a letter from weltman, Weinberg and reis co, lpa saying they are collecting a debt of XXXX dollars for a company called California check cashing. I have never used this type of business and I have no outstanding collections. I have good credit and pay 100 % of the time. I think this is a scam and I do n't know if I should throw the letter away or not.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-21

Detroit, MI

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-21

Hamden, CT

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-20

Broomall, PA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response