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:02/07/2023

  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 them. They do not provide me with the original application like i asked.

  Business Response

  Date: 02/14/2023

  
  Our office received an account from the creditor ********************* with respect to this consumer in July 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.   We are collecting on behalf of the creditor, Progressive.  Progressive's records indicate the policy was canceled in May 2022.  Progressive indicates coverage was provided for a 2015 Jeep Wrangler on a policy ending in **** and that the final payment in April 2022 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:02/04/2023

  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: 02/14/2023

  
  Our office received an account from the creditor ********************* with respect to this consumer in August 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.   We are collecting on behalf of the creditor, Progressive.  Progressive's records indicate the policy was canceled in June of 2022.  Progressive indicates coverage was provided for a 2018 **** Explorer and a 2010 Dodge Charger on a policy ending in **** and that the final payment in May 2022 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:02/01/2023

  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.

  I paid off a debt from Progressive for ****** back in December 2022, and a couple reps from Caine & Weiner said that Caine & Weiner reports to the Credit Bureaus on the 24th of each month. Well it's February 1st, 2023 and the debt is still showing up on my credit and on the Caine & Weiner website as an unpaid debt. I sent them a letter asking could the debt be taken off my credit, and I also asked for a receipt to be sent to my email address showing proof that the debt has been paid and I still haven't received either. This is my Caine & Weiner account info (********)

  Business Response

  Date: 02/03/2023

  
  
  The consumer states that  the debt in question was paid in December of 2022 and still appears on his credit report.  Our records indicate that the request to remove the negative tradleline was requested in a timely manner.  Unfortunately, our office does not control how long it takes *********** to remove a remark.  Our records further indicate that the negative tradeline was removed from the respective credit bureaus on January 31, 2023.  We no longer show any negative tradelines reporting on the consumer's credit.  The consumer may contact our office at ************ for additional assistance.
  

• Initial Complaint

  Date:01/28/2023

  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 did not provide me with the original application like I asked.

  Business Response

  Date: 02/08/2023

  
  Our office received an account from the creditor ********************* with respect to this consumer in February 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 were collecting on behalf of the creditor, Progressive.  Progressive's records indicate the policy was canceled in January of 2019.  Progressive indicates coverage was provided for a 2013 ******* Elantra on a policy ending in **** and that the final payment in October 2018 was insufficient to cover the premium balance due at the time of cancellation.  Validation has been forwarded to the consumer again for review.   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:01/25/2023

  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.

  This complaint is being sent on my behalf. I checked my credit report, and I saw some fraudulent transactions. Since I sent the letters to them more than 30 days ago, they have not replied, and they have not provided me with adequate justification. Please give me some advice on this. I'm looking for legal action!

  Business Response

  Date: 01/26/2023

  Our office received an account from the creditor, ********************** with respect to this consumer in March 2022. Please note the balance due was not owed to Caine & Weiner. Our records indicate that the file has been closed as fraudulent. Our records further indicate that notification has been forwarded to the respective credit bureaus to remove any negative tradelines associated with this file. The credit bureaus should update their records accordingly. 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.

• Initial Complaint

  Date:01/24/2023

  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 did not provide me with the original application per my request.

  Business Response

  Date: 02/01/2023

  Our office received an assigned account from the creditor, ********************** with respect to this consumer October 2017 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. It is owed to the creditor, Progressive. The Progressive policy was cancelled in September 2017. Creditor records indicate coverage was provided for a 2008 Chevrolet Aveo on a policy ending in ************************************** July 2017 was insufficient to cover the remaining premium balance due at the time of cancellation. Progressive still indicates that the balance is due. Records indicate validation has been forwarded to the consumer in the past and it is being forwarded again for the consumer to review. Our records indicate that the debt in dispute has been researched several times in our office and appears to be 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 welcome the opportunity to speak with the consumer. The consumer *** contact or office at ************ for additional assistance.

  Customer Answer

  Date: 02/02/2023

  (The consumer indicated he/she DID NOT accept the response from the business.)
  I do not have a signed contract with Caine & weiner. I demand this account be removed from my credit report.

  Business Response

  Date: 02/07/2023

  We regret that the initial response was not accepted.  Unfortunately, the creditor, Progressive, indicates that the disputed balance is still due.  As originally stated, the outstanding debt is not owed to our company, Caine & Weiner.  The consumer should reach out to Progressive for any original documents associated with this agreement.  We collect on behalf of the creditor.  Our office forwarded the validation and attempted to give the consumer a clear explanation of the outstanding balance.  We appreciate the opportunity to assist the consumer if there remains any confusion on how to resolve this matter.

  Customer Answer

  Date: 02/08/2023

   
  Complaint: 19318807
  
  I am rejecting this response because:

  If the case isnt with Caine & Weiner then they should not be the one reaching out about an amount for progressive. I do not have any contracts with Caine & Weiner and they should cease and desist all communication about a debt allegedly owed. Please update credit report accordingly and delete account. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:01/23/2023

  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 I do not have a contract with CAINE & WEINER plus they did not provide me with the original application like I asked.

  Business Response

  Date: 01/26/2023

  Our office has unsuccessfully attempted to locate an account for this consumer with the information provided. Unfortunately, we did not locate an account for ********************* with the address and telephone number contained in this complaint. If ************** can provide either an account number, or other identifying information,(maybe and old address) to locate the account in question, we will look into the matter further. We encourage the consumer to contact our office at ************ if additional assistance is required.

• Initial Complaint

  Date:01/23/2023

  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.

  I am not liable for this debt with Progressive and do not have a contract with Caine & Weiner. I requested the original application and they did not provide it to me.

  Business Response

  Date: 02/01/2023

  Our office received an assigned account from the creditor, ********************** with respect to this consumer June 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. It is owed to the creditor, Progressive. The Progressive policy was cancelled in May 2021. Creditor records indicate coverage was provided for a 2017 Infinite Q60 on a policy ending in ************************************** April 2021 was insufficient to cover the remaining premium balance due at the time of cancellation. Progressive still indicates that the balance is due. Our office has made numerous unsuccessful attempts to reach the consumer. Records indicate validation has been forwarded to the consumer in the past to the address provided in the complaint and the validation was returned. Validation will be forwarded again for the consumer's perusal. 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 welcome the opportunity to speak with the consumer. The consumer *** contact or office at ************ for additional assistance.

  Customer Answer

  Date: 02/07/2023

   
  Complaint: 19324503
  
  I am rejecting this response because: In accordance with the Fair Credit Reporting Act per

  15 U.S.C **** section 602 A. States I have a right to privacy. 

  15 U.S.C **** section 604 A section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions. Of which CAINE AND WEINER have failed to produce any such written instructions after repeated requests to do so.

  15 *********** Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
  
  Sincerely,
  
  ***************************

  Business Response

  Date: 02/14/2023

  our office is not the creditor. Progressive is the creditor that the consumer owes.  Our office sent the required validation to the consumer.  Our office reported the debt to the credit bureaus as we are instructed to report true information.  The consumer never provided documentation proving the debt was not owed.  We have closed the file as 'Disputed' in our database and have requested to have any derogatory remarks removed from the consumer's credit report.  Although we have closed the file, the creditor, Progressive, still shows the balance as due.  Progressive reserves the right to pursue the past due balance any way they deem necessary.

• Initial Complaint

  Date:01/23/2023

  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.

  Full ***************************** continually fails to comply. 1) I have requested a copy of this company's ********* COLLECTION SERVICE LICENSE. The ********************************** licenses and regulates collection agencies(attached). ********* ****************** Act ********* -License requirement (a) No person/business shall commence, conduct or operate any collection service business in my state unless the business holds a valid collection service license issued by the board under this chapter-UNLICENSED ACTIVITY.I've also requested: 2.A complete Audit Trail calculation of this balance,including the complete payment history on account, so I have proof the debt amount is correct.3.Documentation that shows I agreed to pay you this debt with signature and which shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to having my information and unauthorized use of my social security number is identity theft and will be reported for such.4.The Agreement that grants you authority to collect on this alleged debt.5.The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you 6.Senior Executive from your office to Swear under penalty of perjury this corporation was present during the alleged debt 7.The Original Promissory Note on this Alleged Debt.Multiple FDCPA violations. Sending deceptive forms,false & misleading representations, validation of debts, unfair practices. This will now be investigated by the FTC,CFPB, ********* ****************** Board,and AG. Please, no adverse actions against me, and no reinsertions. I have to proceed with legal action for violations ALREADY committed if this collection is not closed and removed from my credit reports immediately. Attached: 1)Full Dispute 2)FDCPA violations 3)********* ****************** Act 4)Credit Report 5)FTC Report

  Business Response

  Date: 01/26/2023

  Our office received an assigned account from the creditor, ********************** with respect to this consumer September of 2017 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 July 2017. Creditor records indicate coverage was provided for a 2015 ****** Altima on a policy ending in **** and that the last payment made in May 2017 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 **************** in January 2022 per the consumer's request. With a cease and desist in place we are uanble 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 consumer can check with the Secretary of state regarding companies that can do business in their state. Not every company has to obtain a license. There are other requirements that can met to conduct business in different states. If the debt is valid, the entry will reflect as such on the credit report even with a **************** on file. 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.

  Customer Answer

  Date: 01/26/2023

  (The consumer indicated he/she DID NOT accept the response from the business.)
  MOST IMPORTANTLY, ************ continues to violate my federally protected consumer rights to privacy and confidentiality. Under 15 USC 1681(a) (4)-I have the right to privacy.
  15 USC 1681b(a)2 -states that a consumer reporting agency cannot furnish a credit report without written consent from the consumer. Under 15 U.S. Code 1681c(a) (5)-states that no consumer reporting agency may make ANY consumer report containing the following items of information... Any other ADVERSE INFORMATION, other than records of conviction of crimes which antedates the report by more than 7 years. This collection reporting is clearly adverse information. In addition to this, Progressive NOR Caine & Weiner did not CLEARLY AND CONSPICUOUSLY provide me with outlines of my consumer rights to opt out from credit reporting PRIOR to this account hitting my credit report.
  15 U.S. Code **** each financial institution has an obligation to respect the privacy of its customers and to protect the security/confidentiality of their nonpublic personal info. 15 U.S. Code 6802(a)business may not disclose to a nonaffiliated third party any non-public personal information (b)Opt out (1)A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given opportunity to direct that info not be disclosed to such third party;AND (C)the consumer is given an explanation of how they can exercise that option.
  15 USC **** (5) "nonaffiliated third party" means any entity that is not an affiliate of,or related by common ownership or affiliated by corporate control with, the financial institution.
  Nonaffiliated 3rd party = CREDIT BUREAUS (Transunion,etc)
  15 USC **** (5) Affiliate means any company that controls,is controlled by, or is under common control-your company and bureaus are not, as admitted and recorded on record over the phone on 1/26 5:53pm.
  15 U.S. Code **** (A) "nonpublic personal information" means PERSONALLY IDENTIFIABLE FINANCIAL INFORMATION (ii) resulting from ANY transaction with the consumer or any service performed for the consumer; (B) Such term does not include publicly available information.
  Resulting from ANY transaction= ALL. This was ONLY made available by you reporting this. I did not give this consent and you continue to report this with all disregard to law.
  
  

  Business Response

  Date: 02/01/2023

  Our office has closed the debtor's file as 'Disputed'. The associated credit bureaus will be notified to remove any derogatory remarks from the consumer's credit report. However, Progressive reserves the right to pursue the balance anyway they deem necessary. We are not able to comment on how long it will take the credit bureau to update their records.

• Initial Complaint

  Date:01/17/2023

  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 for the 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: 02/01/2023

  Our office has unsuccessfully attempted to locate an account for this consumer with the information provided. Unfortunately, we did not locate an account for ******************* with the address and telephone number contained in this complaint. If ************** can provide either an account number, or other identifying information,(maybe and old address) to locate the account in question, we will look into the matter further. We encourage the consumer to contact our office at ************ if additional assistance is required.