Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
XXXX XXXX XXXX or Consumer representative, I paid for XXXX insurance on my credit card since day one. I became XXXX and called to make a claim. I was asked by the operator at XXXX XXXX the date the accident happened. They came back and told me I no longer had XXXX insurance as of the accident date and I was " AGED DOWN TO DEATH BENEFIT ONLY '' on that exact date. I argued and got nowhere. 
I have always had perfect XXXXplus credit scores. I continued to pay and continued to argue going all the way up the ladder to the Office of the CEO whose secretary of XXXX told me that XXXX XXXX is not XXXX. I called back Credit shield where I was told '' dont let them tell you we are not XXXX..we ARE XXXX ''. I called back and this same secretary told me my account was sold to a collection agency. I heard nothing more. The next thing I heard was my bank account was frozen. There are liens on my home/finances and that FORSTER and GARBUS are the collectors and own the judgments levied against me via default. I NEVER knew about the actions. The then AG of NY XXXX XXXX made an across state VACATE o all FORSTER GARBUS fraudulent default judgements, over XXXX XXXX in NYS alone were vacated. My attorney I had hired prior to this AG action or release even being mentioned had no knowledge of XXXX 's actions, and then sent another lawyer in the firm to represent the case since mine was called to do a TV show that same time and the lawyer filling in on the case represented me as a simple single judgement being placed on me from XXXX and not FORSTER GARBUS class action. Now Forster Garbus could stand there with a proper legal judgement handed down by a judge for me defaulting yet they used the court system laws to illegally obtain the decision since I along with ( NATIONWIDE and later found INTERNATIONAL victims of this crime ) was never notified. I was supposed to be one of the victims helped by AG XXXX 's office and have this vacated. I have tried twice now to get an attorney to assist me in this but as it turns out they perceive it as my attempting to have XXXX lawyer discredit another. I just want this ILLEGAL judgment vacated. Forster Garbus was found to be the number one perpetrators in this crime were found guilty and later so was XXXX for these and other illegal credit card practices and all victims had these judgments vacated. 
Forster Garbus has just contacted me again in an attempt to collect this illegal judgement making me still a victim and they still guilty of this illegal judgment on behalf of guilty XXXX as reported again XX/XX/2015 for over XXXX XXXX XXXX was ordered to refund card holders. I have NO one who will assist me here on this. I need someone to act on MY behalf and retro add me to the AG class action. These criminals have been acknowledged by NYS JUSTICE and ALL their judgments VACATED. Will you help me? If you check my credit history you will see I am never late and always take care of personal business. IF I had received ANY notice of court action I would have been in court presenting every statement showing the Credit shield payments nor would I EVER have allowed myself to be " AGED DOWN '' and on the exact date of the accident either. Its a lie and also unconstitutional to discriminate for age. I am a victim of a well documented crime that has used the court system to do it. Not only for me but a change must be made in legally being served in that a person being served for a possible default must have the defendants signature on the notice to prove being served so this cant happen again. I would have been in court with ALL MY PROOF had I been served and that is why XXXX were not notified. Again, I hope you will help seeing as FORSTER GARBUS are at it again and again I am a victim of the legal system they illegally used

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation