Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/18/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Progressive and do not have a contract with Caine & Weiner. They do not provide me with the original application like I asked.

  Business Response

  Date: 02/23/2023

  
  Our office received an account from the creditor, ********************** with respect to this consumer in July 2021, for recovery of unpaid auto insurance premiums.  Please note the balance due was never owed to Caine & Weiner.  Initial correspondence was sent to the consumer.   There is no record of return mail on file.  The file is currently in a 'Paid in Full'  status.  The Progressive policy ending in **** was cancelled June 2021.  Creditor records indicate coverage was provided for a 2015 Chrysler 200.  The account is currently in a status of  'PIF' and all negative trade lines have been requested to be removed from the consumer's credit report.  We are unsure as to how long it may take for the credit bureaus to update their records.  We will submit an expedite in an attempt to expedite the process.  The consumer may contact our office at  ************ if additional assistance is required.

• Initial Complaint

  Date:02/16/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ******* as outlined in this ACT - This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the **** laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items: * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation (***) period* I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, Equifax, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons: * This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of thirty (30) days to investigate this information, and during this period of time, all collection activities must be stopped.

  Business Response

  Date: 02/23/2023

  
  Our office received an account from the creditor ********************* with respect to this consumer in September 2019 for recovery of unpaid auto insurance premiums.   Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   We are collecting on behalf of the creditor, Progressive.  Progressive's records indicate the policy was canceled in August 2019.  Progressive indicates coverage was provided for a 2015 Scion XB and a 2019 Ram **** on a policy ending in **** and that the final payment in June 2019 was insufficient to cover the premium balance due at the time of cancellation.  Our records indicate that validation has been forwarded to the consumer numerous times.  It has been ordered again for the consumer's perusal.  again for review.   Our records further indicate that the consumer forwarded personal documents in the past in an attempt to prove that our records do not match his records and both times it was researched and revealed the information was the same in our database as his provided information.  The file is currently disputed in our records.  A dispute will temporarily remove the negative trade line form the credit bureau.  Once the investigation is completed the bureaus must be updated again if the results indicate the debt is valid.  Our office will gladly review any documentation provided by the consumer with respect to the policy, vehicle, payment or coverage specifics for this account that *** indicate the creditor's records are not accurate.  We encourage the consumer to contact our office at ************ if additional assistance is needed.
  

• Initial Complaint

  Date:02/15/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Caine and Wiener handled an insurance settlement between myself and a third party. Once the settlement was reach the 3rd party and my insurance directly agreed that no further action could be taken. Caine and wiener then put $7400 into collections on my credit report. ************************* ( who directly handled the settlement) refused to provide me with the bill for collections. Only after he sued me was I provided with the bill and realized that the majority of the charges where fraudulent. Of the $7400 that was placed on my credit report only $755.97 is remotely justifiable charges towards myself.

  Business Response

  Date: 03/02/2023

  Our office is aware of the individual's dispute on this account.  The file was originally sent to our office by the creditor ******* II ************* in June 2022.  Our office did receive a settlement payment from the insurance company in August 2022.  However, per creditor records that payment cleared only a portion of the balance due.  There has been no lawsuit filed on this account.  The account was turned over to a law firm for further review as per creditor parameters.  We are aware that the individual does not believe the majority of the remaining balance is due and we are continuing to work with the law firm and the creditor to provide additional details supporting the balance.  Additional correspondence will be provided to the individual once obtained.  The consumer has been in recent communication with the law firm and we encourage ongoing dialogue as we assist all parties in working through the dispute.  Our office can be reached at ************.

• Initial Complaint

  Date:02/15/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that CAINE & WEINER absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

  Business Response

  Date: 02/20/2023

  
  Our office received an assigned account from the creditor, ********************** with respect to this consumer April 2019 for recovery of unpaid auto insurance premiums.  Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   Our records further indicate that validation was sent to the consumer as well.  The account shows that it has been paid as a settlement.  The Progressive policy was cancelled in February of 2019.  Creditor records indicate coverage was provided for a 2013 Volkswagon Passat on a policy ending in **** and that the last payment made in November 2018 was insufficient to cover the remaining premium balance due at the time of cancellation.   The account is currently coded as 'Settled' in our database.  The credit bureau should reflect a status of settled.  The consumer stated in her complaint that she was recently a victim of identity theft.  This is not a recent debt.  Our office will gladly review any documentation provided by the consumer with respect to the policy, vehicle, payment or coverage specifics for this account that *** indicate the creditor's records are not accurate.  The consumer *** contact or office at ************ for additional assistance.

• Initial Complaint

  Date:02/12/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had an old outstanding collection, that I made payment on around Jan 18th 2023. I was advised at the time I would receive an email advising payment had been made. I was advised I would receive confirmation the collection activities had been resolved and this would be reported to the credit bureau's. I was also advised I would recent confirmation the debt has been resolved in writing via Snail Mail. There is nowhere on the Caine and ****** site where I can confirm they have processed the payment and have yet to receive any confirmation or correspondence from this company. The only thing I have is a file number: 06306B. In the mean time this matter is affecting my FICO on all 3 reporting services.

  Business Response

  Date: 02/17/2023

  
  Our office received an account from the creditor, ********************** with respect to this consumer in January 2017, for recovery of unpaid auto insurance premiums.  Please note the balance due was never owed to Caine & Weiner.  Initial correspondence was sent to the consumer.   There is no record of return mail on file.  The file is currently in a 'Paid for Deletion'  status.  The Progressive policy ending in **** was cancelled December 2016.  Creditor records indicate coverage was provided for a 2013 Kia ****** and a 2008 Volkswagon EOS.  The account is currently in a status of  'PFD' and all negative trade lines have been removed.    We do not show any current trade lines reporting to the credit reporting agencies.  We are unsure as to how long it may take for the credit bureaus to update their records.  The consumer may contact our office at  ************ for additional assistance.

  Customer Answer

  Date: 02/17/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:02/10/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After struggling to get a car loan after my already paid off car was totaled last year. After being denied over and over, i ended up with an interest rate of 21%. I thought this was due to having no credit history (because I do not like to spend money I don't have, so never had a credit card, paid off my first car in whole, etc.). However, after trying to apply for a credit card to improve my credit score after all the issues I had getting a car and the resulting ridiculously high interest rate I'm stuck with. The letter rejecting my request for the credit card claimed a reason was derogatory public record or collection item. Which I know is inaccurate because I have never not paid my bills or anything like that. I've never had any debt collectors or whatever contact me, or received anything in the mail about owing money to anyone for anything. I got my credit report and I have no idea what this adverse account is from. It says Caine & Weiner ********. It says date opened 10/31/2020, that it's an open account, it says loan type: *************************** that the balance & the amount that's past due is $346, the date updated is 12/24/2022, the pay status says collection, remarks says placed for collection, and it says original creditor is Progressive. None of that has any meaning or relation to me. I don't have any accounts or whatever with progressive. I don't know that any of my cars have ever been insured by progressive, unless my mom insured one of my cars using progressive when I was younger. This has nothing to do with me.

  Business Response

  Date: 02/17/2023

  
  Our office received an assigned account from the creditor, ********************** with respect to this consumer October 2020, as stated by the consumer, for recovery of unpaid auto insurance premiums.  Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   The Progressive policy was cancelled in September 2020.  Creditor records indicate coverage was provided for a 2010 ****** Altima on a policy ending in ************************************** July 2020 was insufficient to cover the remaining premium balance due at the time of cancellation.   Progressive still indicates that the balance is due.   Validation has been forwarded to the consumer for review.  The account will be closed ad 'Disputed' in our database.  The credit bureaus will be contacted to remove any derogatory remarks from the consumer's report.  Our office will gladly review any documentation provided by the consumer with respect to the policy, vehicle, payment or coverage specifics for this account that *** indicate the creditor's records are not accurate.  The consumer *** contact or office at ************ for additional assistance.

• Initial Complaint

  Date:02/08/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 06 PROGRESSIVE and I do not have a contract with CAINE WEINER plus they did not provide me with the original application like I asked.account number: ******** amount disputed: $546.00

  Business Response

  Date: 02/14/2023

  
  Our office received an account from the creditor ********************* with respect to this consumer in December 2021 for recovery of unpaid auto insurance premiums.   Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.  We are collecting on behalf of the creditor, Progressive.  Progressive's records indicate the policy was canceled in November 2021.  Progressive indicates coverage was provided for a 2006 Chevrolet Express G2500 and a **** GMC Sierra ***** on a policy ending in **** and that the final payment in September 2021 was insufficient to cover the premium balance due at the time of cancellation.  Validation has been forwarded to the consumer again for review.   The file is currently disputed in our records.  Our office will gladly review any documentation provided by the consumer with respect to the policy, vehicle, payment or coverage specifics for this account that *** indicate the creditor's records are not accurate.  We encourage the consumer to contact our office at ************ if additional assistance is needed.
  

• Initial Complaint

  Date:02/08/2023

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I contacted this collector in order to settle me debt in full. The creditor agreed to note my account for a courtesy delete and once paid in full, the collection would be removed from my credit report completely within 30 days. My account has been paid in full but instead of removing the account as agreed, the balance was updated to paid with a $0 balance, but has yet to be removed from my credit reporting accounts as agreed.

  Business Response

  Date: 02/14/2023

  
  Our office received an account from the creditor, ********************** with respect to this consumer in May 2022, for recovery of unpaid auto insurance premiums.  Please note the balance due was never owed to Caine & Weiner.  Initial correspondence was sent to the consumer at that time.   The file is currently in a 'Paid in Full' status.  The Progressive policy ending in **** was cancelled March 2022.  Creditor records indicate coverage was provided for a 2016 ***** 3.   The account is currently 'Paid in Full' and all negative trade lines will be removed.    We have submitted a request to the associated bureaus to remove all negative trade lines from the consumer's credit reports.  We advised that we would submit a request to have the balance removed.  The debtor paid on January 30, 2023, and we submitted a request January 31, 2023.  We are unsure as to how long it may take for the credit bureaus to remove trade lines from their records.  The consumer may contact our office at  ************ for additional assistance.

  Customer Answer

  Date: 02/14/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:02/07/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Caine and Weiner are violating my privacy rights by taking some other company opinions that ********************* companies gave my personal information that affect my credit. ********************* companies blame me for $163.64 that I dont owe them anything. After I canceled my insurance policy as soon as I lost my car. Caine and Wiener collection company reported, ************ didnt send me in original files that showed that I owe progressive insurance companies a *****. They keep telling me I got borrow money from someone and pay them.

  Business Response

  Date: 02/14/2023

  
  Our office received an assigned account from the creditor, ********************** with respect to this consumer September 2022 for recovery of unpaid auto insurance premiums.  Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   The Progressive policy was cancelled in August 2022.  Creditor records indicate coverage was provided for a 2007 ******* Tucson  on a policy ending in ************************************** June 2022 was insufficient to cover the remaining premium balance due at the time of cancellation.   Progressive still indicates that the balance is due.   Validation has been forwarded again to the consumer for review.  The account will be closed ad 'Disputed' in our database.  The credit bureaus will be contacted to remove any derogatory remarks from the consumer's report.  We are unable to state how long it may take *********** to update their records. Although we will close the file as disputed, Progressive retains the right to pursue the balance any way they deem necessary.  The consumer may contact or office at ************ for additional assistance.

  Customer Answer

  Date: 02/18/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, 
   I have reached out to Caine & WEINER. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. Caine & WEINER you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my daily lives .  Code ******* - Responsibilities of furnishers of information to consumer reporting agencies Duty of furnishers of information to provide accurate information 1) Prohibition Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty of  a moral or legal obligation; a responsibility Accurate: correct in all details; exact. Prohibition: a law or regulation forbidding to not frame or report before let the customer know. ******************** and ****** have said they sent mail that I wasnt respond to them. I did not receive any mail from them until they reported to My credit report and I called them to figure out what situations that they did not give me any proof that I owe them. Caine and ****** keep telling me to me to pay them by borrowing money from my family member. I explained them that I dont have any money to pay them that I am living by Food stamp (snap) benefits for almost a year due to my Disability that I got accident from Semi truck crashed last year. I dont have any cash income except snap benefits from my county, Caine and wiener did not care about my disability or health condition I tried to explained them. Caine and ****** keep calling my phone and advised me to borrow money from my family or whatever I did they only wanted their money.
  
  *******************************

• Initial Complaint

  Date:02/07/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable to Caine weiner company this is not my account

  Business Response

  Date: 02/17/2023

  
  Our office received an assigned account from the creditor, ********************** with respect to this consumer December of 2021 for recovery of unpaid auto insurance premiums.  Initial correspondence was sent to the consumer at that time.  There is no record of any return mail.  Please note the balance due is not owed to Caine & Weiner.   Our records further indicate that validation was sent to the consumer as well.  The Progressive policy was cancelled in January of 2021.  Creditor records indicate coverage was provided for a 2009 **** Escape and a 2010 Buick Lacrosse on a policy ending in ************************************** September 2021 was insufficient to cover the remaining premium balance due at the time of cancellation.   Progressive still indicates that the balance is due.   The account was flagged as 'Cease & Desist' in September 2022 per the consumer's request.  With a cease and desist in place we are unable to contact the consumer either verbally or via written communication.  Please note, a cease and desist does not automatically remove an entry from the respective credit bureaus.  The account is currently in a 'Disputed' status.  Our office will gladly review any documentation provided by the consumer with respect to the policy, vehicle, payment or coverage specifics for this account that *** indicate the creditor's records are not accurate.  The consumer *** contact or office at ************ for additional assistance.