Consumer complaint received 2021-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stephen Einstein & Associates, P.C. (NY)

XXXX XXXX, XXXX  XXXX XXXX XXXX, NY XXXX Dear Stephen Einstein also known as XXXX XXXX XXXX XXXX XXXX I was sent a letter on XX/XX/XXXX by company XXXX XXXX XXXX XXXX XXXX, which shows is also registered under XXXX XXXX, about an alleged debt that I supposedly owed. I have not had any debt with any company named XXXX XXXX, who it shows as the current creditor nor XXXX XXXX XXXX who it shows as the original creditor. This alleged debt was supposedly from XXXX and I am completely unaware of and completely dispute the validity of it. I previously sent in a request asking for all written verification of the original debt and that it be sent to my address, showing what purchase ( s ) I made and the total principal amount owed on this alleged debt. I am requiring a copy of this alleged final account statement from the 'original creditor ' and documentation showing the total for these charges and the fees applied to them. I also requested the dates for each fee and the dates each were incurred. I have checked my credit report now and for the past few years and have never seen any credit or Collections from this supposedly 'original creditor '. Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit score. So, again, I am requesting and requiring the date this account first became past due and the date this account first went into Collections. At a minimum, I'm requesting a copy of the original written agreement between myself and this creditor showing proof of such agreement. I currently do not have any Collections on file nor have I had any Collections from this account in my file. Moving forward if this was to occur I still dispute this alleged claim of debt. 

I have contacted your company on several occasions via phone at the phone number ( XXXX ), in which I was unable to be provided additionally information about this alleged debt. I received this letter by mail on XX/XX/XXXX. I called on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX, who stated the case is being reviewed so she didn't provide any additional information about this alleged debt. I also called on XX/XX/XXXX at XXXX and spoke with XXXX XXXX who didn't provide any additional info either and unfortunately transfered me to a voice-mail where no one answered. I then called on XX/XX/XXXX at XXXX and awaited a live representative but no on answered. I attempted to leave a voice-message but then the phone line began ringing again without allowing me to leave the message. I awaited a live rep for over 10 minutes but no one answered. On XX/XX/XXXX at XXXX I received a call from a rep named XXXX XXXX who stated he was the account manager and he advised that I should send in all of my requests to this email to have them addressed, in which I did. 

On XX/XX/XXXX I mailed a certified letter specifically requesting written verification showing my itemized purchase history but that is not what I received. I also certified mail documents to the Department of Consumer Affairs which shows your company still under the name Stephen Einstein and not XXXX XXXX XXXX XXXX. There are many red flags in which I believe are fraudulent acts or incorrect information and I would like them resolved. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, showing a copy of an alleged court judgment filed by company " XXXX XXXX '' or " Stephen Einstein & Associates '' but you still have not sent me any documentation itemizing or describing what purchases and interest I allegedly made and accrued. So, again, I am requesting and requiring all written verification of purchase history. At a minimum, provide the signed written agreement between myself and this agency to substantiate the debt or remove any information about this debt from your database so this discrepancy can be rectified. Thank you Through research I've noticed this company changes names from " XXXX XXXX XXXX XXXX XXXX '' to " Stephen Einstein & Associates ''. My letter came from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX, NY but it shows they're registered in Florida at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX FL XXXX. Stephen Einstein & Associates is showing is registered in NY but not listed as the company name.