Consumer complaint received 2017-11-28
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern : I opened up an auto insurance policy through XXXX and it was to be termed XXXX/XXXX/XXXX due to non-payment. I was n't keeping insurance through XXXX but I called XXXX on XXXX/XXXX/XXXX asking if I can set up a payment plan to prevent collections activity and they declined. Rep advised that I can make payments to them but it will not prevent collections unless paid in full. She advised that I could set up a payment plan with the collections agency but they would n't know which agency they would send it to as of yet as they use 3 companies. She gave me the company names but advised there would be no point in calling since they wo n't have my information. Rep advised that they 'll send a final notice of cancellation before it 's sent to collections. Rep advised that the final cancellation notice would go out 20 days from XXXX/XXXX/XXXX. I received the final cancellation notice from insurance and it did n't show any collection company. I called XXXX on or around XXXX/XXXX/XXXX and was advised that the collections company still is n't in the system and that itt could take a minimum of 30 days before it would show in their system. I allowed additional time. I called XXXX again around the XXXX/XXXX/XXXX and was advised that it was sent to collections on XXXX/XXXX/XXXX but it could take 30 days to show which agency will grab the file. I called XXXX on XXXX/XXXX/XXXX & spoke to XXXX who still advised that they did n't have record of the agency as of yet. She advised that the agency will notify me once they get my account. However, I received a notification advising me that there was a change on my credit report. There was a collection file opened on XXXX/XXXX/XXXX from Caine & Weiner on my credit report. I have not received any notification from Caine & Weiner advising of my collection account or to  dispute anything. 

I called Caine & weiner and spoke to XXXX who advised that they received the file XXXX/XXXX/XXXX ( but it was open on my report as XXXX/XXXX/XXXX ). I advised that I did n't receive any notification of the debt and that I 've been actively calling the company so that I can remain on top of it before it 's sent to be reported. I asked what is their timeframe before they 'd report it to the bureau and he advised that accounts have 60 days to pay before they would report it to the bureaus. He advised that they got a return mail ( they had an old address ). I gave my current address and asked that this be removed from my credit file to allow me to pay without it being reported and he stated that they would remove it but after I pay it in full. He advised that he could n't send me anything in writing and I would have to take his word for it. I requested a supervisor who advised me of the same information. I confirmed the information with XXXX and they have my updated contact information and advised that they sent current information to Caine & Weiner. I do n't know where Caine & Weiner got an old address from and/or why they reported with inaccurate information. They did not use information that was given to them from the XXXX. Caine & Weiner reported this to the credit bureaus without my knowledge of receipt. I was not given an option to dispute the balance and/or pay before it was sent to be reflected on my credit report. I need this removed from credit report so that I can have a fair chance to pay and/or dispute collections amount.

Company response to consumer: Closed with explanation