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:10/11/2022

  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.

  In accordance with the Fair Credit Reporting act ***** ******* Account Number: ********* has violated my rights.
  
  ** ***** **** Section *** ** States I have the right to privacy.
  
  ** ***** **** Section *** ** Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions.

  Business Response

  Date: 10/27/2022

  Business Response /* (1000, 5, 2022/10/12) */
  Our office received an account from the creditor, Progressive Insurance, with respect to this consumer in May 2022, for recovery of unpaid auto insurance premiums. Please note the balance due was never owed to ***** & Weiner. Initial correspondence was sent to the consumer at that time. Validation was forwarded to the consumer in September of 2022. There is no record of any mail return. System notes do not reflect any attempts by the consumer to reach our office. The Progressive policy was cancelled in March 2022. Creditor records indicate coverage was provided for a 2019 Mercury A220 on a policy ending in **** and that the final payment in January 2022 was insufficient to cover the premium balance due at the time of cancellation. Our office will gladly review any documentation the consumer has with respect to the policy, payment, or coverage specifics for this account that may indicate the creditor's records are not accurate. The consumer may contact our office at XXX-XXX-XXXX for additional assistance.

• Initial Complaint

  Date:10/11/2022

  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 a consumer by law and my information was misused and now I have some false not 100% accurate accounts on my credit report. Unauthorized used of my credit report.
  
  I demand deletion of the items and information plus I demand monetary compensation!!!

  Business Response

  Date: 10/27/2022

  Business Response /* (1000, 5, 2022/10/12) */
  The consumer's provided information did not match records in our system. The consumer's address, email, or telephone number provided does not match to any account in our system. If it is possible that the account was established under a previous address, that address would be helpful. Our office wishes to assist the consumer in any way possible. We would ask that the consumer provide the full account referenced in the correspondence, name on the account, the name of the creditor, the balance showing as owed, our account number detailed via the credit bureaus, etc. so that we may properly identify the account and respond. We encourage the consumer to contact our office at XXX-XXX-XXXX for additional assistance.

• Initial Complaint

  Date:10/11/2022

  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************ and do not have a contract with Caine and Weiner. They did not provide me with the original application like I asked.
  

  Business Response

  Date: 10/27/2022

  Business Response /* (1000, 5, 2022/10/11) */
  Our office received an account from the creditor,**********************, with respect to this consumer in January 2022, for recovery of unpaid auto insurance premiums. Please note the balance due was never owed to ***** & Weiner. Initial correspondence was sent to the consumer at that time. Validation was forwarded to the consumer in July of 2022. There is no record of any mail return. The *********** policy was cancelled in December 2021. Creditor records indicate coverage was provided for a ****************************************** **** and that the final payment in November 2021 was insufficient to cover the premium balance due at the time of cancellation. Our office collects on behalf of ***********. We can detail the specifics of the contract, however, the original contract must be provided by ***********. Our office will gladly review any documentation the consumer has with respect to the policy, payment, or coverage specifics for this account that may indicate the creditor's records are not accurate. The consumer may contact our office at XXX-XXX-XXXX for additional assistance.

• Initial Complaint

  Date:10/11/2022

  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.

  On October 4th I contacted ***** and ****** regarding an account on my credit report. Though I was uncertain as to the origin of the account, instead of the lengthy process of verification and disputing the account, I offered to pay it in full in exchange for permanent deletion from all credit reports. They agreed that if a lump sum payment was made in full they would request deletion of the ********* from the report. I upheld my end of the bargain and made full payment the same day. Now they want to play word games instead of honoring their committment and say they will "report the account around the end of the month". This is why their industry has the reputation that it does. ***** & ****** cannot be trusted to uphold their end of the bargain while running a business that at its core is about holding others accountable to keep their end of the ******** This is ********** ****** if trust and accountability as well as deceptive trade practices.

  Business Response

  Date: 10/27/2022

  Business Response /* (1000, 5, 2022/10/13) */
  The consumer has submitted a complaint relating to a negative entry on his credit report. As stated in the complaint, the account has been paid in full. The consumer states that he was not sure of the origin of the debt. Our office received an account from the creditor, *********************, with respect to this consumer in May 2016, 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. There is no record of any mail return. The************ policy was cancelled in April 2016. Creditor records indicate coverage was provided for a **** *********** on a policy ************** and that the final payment in February 2016 was insufficient to cover the premium balance due at the time of cancellation. Validation was forwarded to the consumer for his perusal. The deletion has been generated for the respective credit bureaus. We are unsure as to how long it may take for the credit bureaus to update their records. We apologize for any inconvenience this situation has caused. If the derogatory entries are not removed by the end of the month, please contact our office at XXX-XXX-XXXX for additional assistance.

• Initial Complaint

  Date:10/05/2022

  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 *********** and do not have a contract with ***** & WEINER. They did not provide me with the original application like I asked.

  Business Response

  Date: 10/18/2022

  Business Response /* (1000, 5, 2022/10/07) */
  Our office received an assigned account from the creditor, *********************, with respect to this consumer April 2020 for recovery of unpaid auto insurance premiums. Please note the balance due is not owed to ***** & Weiner. Initial correspondence was sent to the consumer at that time. There is no record of any mail return. The *********** policy was cancelled in March 2020. Creditor records indicate coverage was provided for a ***************** on a *********** account ********* **** and that the last payment in January 2020 was insufficient to cover the remaining premium balance at the time of cancellation. Our office collects on behalf of ***********. We can detail the specifics of the contract, however, the original contract must be provided by ***********. 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 may indicate the creditor's records are not accurate. We encourage the consumer to contact our office at XXX-XXX-XXXX if additional assistance is needed.

• Initial Complaint

  Date:10/04/2022

  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 have reached out to ***** & 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. ***** & 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 livelihood.
  ** **** Code § ******* - Responsibilities of furnishers of information to consumer reporting agencies
  (a)Duty of furnishers of information to provide accurate information
  1) Prohibition
  (A)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: a moral or legal obligation; a responsibility
  Accurate: correct in all details; exact.
  Prohibition: a law or regulation forbidding something
  As Defined by The IRS
  Even if you didn't receive a Form ******* you must report canceled debt as gross income on your tax return.
  The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
  Account Number: ********

  Business Response

  Date: 10/21/2022

  Business Response /* (1000, 5, 2022/10/07) */
  Our office received an assigned account from the creditor, Progressive Insurance, with respect to this consumer March 2022 for recovery of unpaid auto insurance premiums. Please note the balance due is not owed to ***** & Weiner. Initial correspondence was sent to the consumer at that time. There is no record of any mail return. The Progressive policy was cancelled in February 2022. Creditor records indicate coverage was provided for a 2018 Chrvrolet Malibu on a Progressive account ending in***** and that the last payment in December 2021 was insufficient to cover the remaining premium balance at the time of cancellation. Our office collects on behalf of Progressive. The account has been closed in our database and the negative tradelines will be removed from the associated credit bureaus. However, Progressive reserves the right to pursue the file as they deem fitting. We encourage the consumer to contact our office at XXX-XXX-XXXX if additional assistance is needed.