Consumer complaint received 2022-04-26
Company: Tromberg, Morris & Poulin, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear CFBP Team, XXXX XXXX XXXX XXXX  sued me through XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX for the account of XXXX XXXX XXXX XXXX  for {$2700.00}. File for this case is # XXXX XXXX. They are not the original creditors but debt collectors. 

First. I didnt know what to do. I haven seen the full chain of titles and review the statute of limitations. 

In addtion, this is my third year of unemployment on and off. Ending sick and several debts. It was out of my control the changes of circunstances. Lost my car too by breakdown. 

I have seek legal assistant through XXXX for advice. 

They could represent me for a day. But since this was a long process of back and forth with the plaintiff I decided to negotitated. Thats what I thought. 

I first tried to negotitated on XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX at the first day of citation without looking at the full chain of titles and the statutes of limitations and my rights when the plaintiff pulled me over to offer a " settlement offer ''. 

Plaintiffl lawyer pulled me over and offered me a settlment of XXX amount. It was pretty high for me since I am unemployed. Orignallly the balance was {$2700.00} I told him I am not working at the present time. He then told to send me to send them the harship of unemployment document and the settlmeent offer {$900.00} for the office to review. 

I have sent this info via cerity mail. 

I didnt heard from them until I follow up on XX/XX/XXXX citation at the court on the XX/XX/XXXX the plaintiff sayed the office rejected the offer and they will accept the amount of {$2100.00} to settled the case. 

I accept the offer under my unemployment circunstance and several other debts on the side. Beside going through personal health problems SInce I am accepting the XXXX, I want to request in court Stipulation of Settlmenent Agreement. Once the settlment agreement was reviewed in front of the judge I did request to add the account since was not there but the file # and making sure the deletion of XXXX XXXX XXXX is included. 

They gaved me 30 days. I have borrowed the money and sent them the settlement payment via Certify Mail using a XXXX Check. I have able to confirmed that they not only received the settlement payment check on XX/XX/XXXX at XXXX, but the check was immediatelly cashed after investigate with XXXX  check cashing. 

As of today they did not remove this account from all my credit reports. They did not keep their word by court that they were going to delete this account from all my credit reports once theFINAL PAYMENTis received. 

That never happened. The account still reflecting in all my credit reports hurting my score. 

After all my sacrifices and efforts to solve this account., They did not keep their word by court that they were going to delete this account from all my credit reports after payment. 

I have also find out this is an expired an account. The creditor or debt collector can't sue a debtor to collect the debt. In addtion by the law I am exempt due to unemployment. 

Also in XX/XX/XXXX, XXXX. XXXX XXXX signed a new legislation to cut the statute of limitations from six years to three years. Technically this account passed the statute of limitations and should be delete it from all credit reports besided that this already been settled. 

Please see the enclosed proof of Stipulaiton of Settlement Agreement including court documents, tracking and copy of check for your review. 

It is putting in a position to file a bankrupcy as a final. 

This is the reason that I have no more choice but to report it to the FTC and CFPB.

Company response to consumer: Closed with explanation