Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Hello! This claim is about my insurance company on XX/XX/XXXX I started a new policy agreement with XXXX XXXX company which has to be renewed every 6 months I was paying more than {$200.00} at that time cause of my car quality and after XXXX little crashes reported on XX/XX/XXXX and XX/XX/XXXX the amount was add moreover 3 times which means I have to pay like XXXX XXXX  monthly I agreed cause they helped me as well so I keep renewing the policy contract every 6 months, after changing my policy agreement the amount lower to XXXX XXXX  monthly.So when we got in XXXX precisely in XX/XX/XXXX I got injured at work, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX problem and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and working, I had a little money on my savings account with helped to pay rent, utilities bills I also paid my car also since I didnt know when Ill be back to work I decided to call my cars bank to make a payment arrangements and request if it gon na be possible to have a month off cause Ill be unable to setup next payment. The bank agreed with me and they told me that Im eligible to have even two months off. 
So I also decided to give a call to the insurance company to let them know what I was going through. On XX/XX/XXXX at XXXX XXXX  I called my cousin to help me if I can reach out the insurance company since I was still having blurry vision, so my suggestion was if we can skip the three months left, so once I get back to work I will keep making payments every month as usually.

The lady told there was no anyway to make any arrangements for my policy. And I told her I wont be able to make any payments for the next coming months since I wasnt working, not just like that also cause of medical issues. And I hang up the phone.that was after paying {$490.00} on fabruray XX/XX/XXXX that I gave them a call. 
And I was surprised to see a text message from XXXX  like a remind that my policy was cancelled on XXXX XX/XX/XXXX but I still have a remaining balance of {$410.00} .. I believe that they have called my bank to confirm if I was lying or not and the bank told them. And I gave them a call on XX/XX/XXXX at XXXX XXXX  to ask them about the game they were trying to play, the lady recalled receiving a call from me but they were unable because my state ( Ohio ) only gives 10 days to a driver to fixe his policy problem before being cancelled and my question to her was ; the purpose of my call first was not to cancel but to request an arrangement cause I was not working, since u refused thats why I told you guys that I wont be able to keep paying, as long I dont know when Ill be back to work also I had no Money left on my savings, Im not receiving any payments from anyone, no work compensation or company short XXXX benefits I told her thats they own problem cause I gave them a call before the next payment due but she still was complicating me probably cause of my breaking XXXX accent. 
I was surprised to see a letter from CAINE & WEINER to collect a debt that I owe to XXXX. 
After that I think that was on XXXX or XXXX I got from an unknown number to collect a debt as well and I told him the same thing that I owe nothing to the company cause I have already given them a call twice. 
Its not just cause I was stupid but because I knew that letting them know what I was facing and the reason of cancellation.

Company response to consumer: Closed with explanation