Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rubin & Rothman, LLC
State: MA

Complaint narrative:
XX/XX/XXXX : XXXX XXXX Signature card opened. 
XX/XX/XXXX : Email re : XXXX XXXX XXXX XXXX my auto acceptance of a new binding arbitration agreement. 
XX/XX/XXXX : Around this time, my card info is stolen and unknown amounts were used at vendors like XXXX XXXX in Virginia ( XXXX in Massachusetts ). XXXX support and I were unable to resolve most of the charges since we couldnt establish when the card was stolen and how much I had already paid off in statement balances. 
XX/XX/XXXX : I am laid off from my job due to the XXXX pandemic. 
XX/XX/XXXX : I began a new job after being unemployed for over a year. 
XX/XX/XXXX : XXXX ( Rubin & Rothman ) attempted to garnish my wages but ultimately were denied. They also sent a court summons to my employer in the XXXX. 
XX/XX/XXXX : After spending years post-COVID, attempting to repair my credit and pay back debt I owed from before the pandemic : XXXX or Rubin & Rothman , LLC have been reporting inaccuracies to the credit bureaus in an attempt to harass and XXXX me into giving them money, like gangsters who cant use physical XXXX. 
XX/XX/XXXX- XXXX : Every single month since, they have reported inaccuracies. My prospect of buying a home keeps diminishing. I cant move out of the affordable housing apartment Ive been living in, having to pay more than the market rate because we cant move due to my poor credit but high income. I have also learned that they harass the office workers at my XXXX office location, in person by serving the company with papers or by calling incessantly. 

XX/XX/XXXX : I sent Rubin & Rothman , LLC a cease & desist letter under the FCRA and FDCPA. I asserted my rights and requested written confirmation of my letter to be sent back within 10 days, and they never replied. Instead, they went to my credit report and began reporting more inaccuracies, including how old the card account was. On Saturday, XX/XX/XXXX, they had altered the account from XXXX to appear on my report as just over XXXX XXXX XXXX and actively being charged off. They have manipulated my credit report for a year to make it seem like that credit card has been charged off for the first time every single month. Throughout all of this, I have received countless harassment calls to myself, my employer, colleagues, and at times, my family members. Its difficult to prove who is behind the calls, since the phone numbers are all spoofed or pre-recorded auto-dialer bots. Rubin & Rothman , LLC files lawsuits in multiple MA courts ( even multiple XXXX Divisions ), so it is difficult to track or keep a log of where they have open court cases still. XXXX or Rubin & Rothman report inaccuracies to my credit report every month. This ruins my credit ( lowering my FICO XXXX scores up to XXXX points at a time ). Every time I pay for subscriptions to the credit bureaus for help repairing this, XXXX and Rubin & Rothman , LLC will do it all over. Ive lived with this harassment for years now, and it has gotten worse over time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation