Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (FL)

A Consumer complaint was filed on XX/XX/year> complain is number XXXX. In my complaint I stated never received documentation about alleged debt, according to FCCPA Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX  or after XXXX XXXX, unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money Caine and Weiner isnt licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person In accordance to The Florida Statue 559.553 Registration of consumer collection agencies required ; exemptions.- ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration.

( 2 ) Each consumer collection agency doing business in this preter Services for the state shall register with the office and renew such registration af and Hard of Hearing annually as set forth in s. 559.555.

( 3 ) This section does not apply to : ( a ) An original creditor. 
( b ) A member of The Florida Bar. 
( c ) A financial institution authorized to do business in this state and any wholly owned subsidiary and affiliate thereof. 
( d ) A licensed real estate broker. 
( e ) An insurance company authorized to do business in this state. 
( f ) A consumer finance company and any wholly owned subsidiary and affiliate thereof. 
( g ) A person licensed pursuant to chapter 520. 
( h ) An out-of-state consumer debt collector who does not solicit consumer debt accounts for collection from credit grantors who have a business presence in this state. 
( i ) An XXXX-insured institution or subsidiary or affiliate thereof. 
( 4 ) An out-of-state consumer debt collector as defined in s.

559.55 ( 11 ) who is not exempt from registration by application of subsection ( 3 ) and who fails to register in accordance with this part shall be subject to an enforcement action by the state as specified in s. 559.565. 

As stated in my original complaint, I never received any form of communication from your company, secondly Caine and Weiner is not legally registered consumer collection agency in the state of Florida. According to my credit report your company is not the original creditor, If I'm incorrect in my research pleaser provide licensing in my state, as well of proof the corresponding notice your company claimed XXXX sent. I never cease and desist any correspondence shop feel free to send them.