|
4255729
|
2021-03-30
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
Borenstein & Associates, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Medical debt
|
| Date Received |
2021-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-30
|
| Complaint What Happened |
My complaint is with Borenstein & Associates , LLC Mr. XXXX Borenstein # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Phone # is XXXX Mr. XXXX Borenstein brought a falsified document into court claiming I had been legally served papers by his company back on XX/XX/XXXX of XXXX. Unfortunately They delivered the papers to some stranger at a job I used to work at over a year ago. Without properly confirming I had received the notice to appear Mr. XXXX Borenstein proceeded as planned with his corrupt practices.
Mr. Borenstein is in direct violation of the FDCPA ( Fair debt Collection Practices Act ) Section 15 USCS 1692e : False or Misleading Representations ( 5 ) The threat to take any action that can not legally be taken. ( I was never served any papers. Mr. Borenstein just dropped papers off to some stranger at a job I have not worked at for over a year. Per Colorado Law and this code, I was never legally served, and he can not threaten to garnish any wages of mine which he is. ) ( 10 ) The use of any false representations or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( Mr. Borenstein used Deceptive Practices when not legally serving me papers prior to court and lying to a judge so he can fast track this case to illegally take advantage of me. ) ( 11 ) The failure to disclose in the initial written communication with the consumer. ( The first communication I received from Mr. XXXX Borenstein 's company was a threat from him to garnish my wages received on XX/XX/XXXX. ) This is just what I was able to find in the first 10min of researching this topic and how I can handle this situation. If Mr. XXXX Borenstein would like to proceed with this the legal way he should come serve me papers the legal way and I would be more than happy to participate in his investigation. But until then this is harassment and an illegal attempt to sue me!
|
| Consumer Consent Provided |
Consent provided
|
|
|
3522421
|
2020-02-06
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
Borenstein & Associates, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Medical debt
|
| Date Received |
2020-02-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-06
|
| Complaint What Happened |
I owed a debt for a hospital bill. The hospital called me several times trying to settle my debt. I explained that I received several bills from the emergency visit and it was going to take a while to pay them all off. I had made payment arrangements already with the hospital doctor, my doctor and the XXXX and at this time I was not able to support any other arrangements but as soon as I was able I would make arrangements with them. I did talk to them a few more times and relayed the same information. I had not heard from them or anyone about this debt for several months but I came into money and was able to pay the bill in full. I called the hospital they took payment and sent me a receipt. A day or 2 later I went to work about found that Borenstein and Associates has filed a lawsuit against me for the debt. Previous to this day, XX/XX/2020, I had had no contact in any way with this firm. When I called they stated that the hospital should not have taken my payment and that they were the owners of the debt. I stated the debt had been paid. They insisted that I owed them {$400.00} for attorney fees and if I didn't pay them today there would be {$100.00} added to the charges. I was never given notice of debt or an opportunity to validate or dispute the debt. Per the Fair Debt Collection Practices act, communication in the form of a pleading in a civil action can not be treated as an initial communications. This was the ONLY communications I received from Borenstein and Associates. These collectors are asking for more than 60 % of the actual debt as " attorney fees ''. These fees seem extreme. Total debt due and paid was {$600.00}. They are asking for fees of $ 400+ for collection fees. This seems extreme considering they have actually never attempted to contact me to collect the debt as required by law.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2363621
|
2017-02-27
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
No
|
| Company |
Borenstein & Associates, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Credit card
|
| Date Received |
2017-02-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-27
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On Friday, XX/XX/XXXX at exactly XXXX. mst, I called into Borenstein & Associates office to discuss a current judgement that my husband has XXXX XXXX. I did not get the name of the gentleman that took my call. My recollection of his voice, was he was younger gentlemen, if that helps any. I had called in to see what arrangements we could make on this judgement. My husband had received a letter that was sent to his parents secondary home here in Colorado. The letter was addressed to my husband and when his parents finally returned they delivered it to us last week. The letter was date XX/XX/2016. Which I had explained to this gentleman that we had just received the letter. I had asked if we could discuss the options that were laid out in the letter, since I was calling to see if we could possibly pay the account off that day. I had told him that one of the offers was to pay XXXX and the judgement would be settled. He told me that that offer was no longer available and I asked if we could come up with another offer that would be acceptable by both parties and he said no that since we owned our home they would get their money no matter what when we sold our home.
I believe this not the best business practices and I was offended by his lack flexibility to work with me and also for his threatening remarks.
I am desperately trying to clean up our debts and very willing to pay back what is owed, but I will not allow a person/company to threaten us. I 'm afraid that now they will harass us even more because we did not settle this judgement.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2659404
|
2017-09-06
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
No
|
| Company |
Borenstein & Associates, LLC
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Medical debt
|
| Date Received |
2017-09-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-06
|
| Complaint What Happened |
I sent the company a letter on XXXX/17 asking the nature of the debt and to please stop calling my coworkers and cell phone. I asked that everything be submitted in writing. I received a call at my office today XXXX. the person refused to identify himself and said that this was regarding my job. The number matched the place that I keep getting phone calls from as well as one letter telling me I have 30 days to dispute the debt. Then at XXXX I got a call on my cell phone and I explained that I did n't want them call me at my cell or my office and this is the 3rd time I have had to tell them, and that I submitted a dispute in writing along with telling them that I did n't want them to contact me by phone. The person on the other end of the phone said " I do n't care about your XXXX letter, " and then hung up. The company is a " law office '' in XXXX, Colorado called Borenstein and Associates the number is XXXX. I have copies of the letter I sent and I have a witness to the phone call in my office.
|
| Consumer Consent Provided |
Consent provided
|
|
|
723194
|
2014-02-20
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
No
|
| Company |
Borenstein & Associates, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued w/o proper notification of suit
|
| Sub Product |
Credit card
|
| Date Received |
2014-02-20
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-04-01
|
| Consumer Consent Provided |
N/A
|
|
|
843543
|
2014-05-08
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
No
|
| Company |
Borenstein & Associates, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Seized/Attempted to seize property
|
| Sub Product |
Credit card
|
| Date Received |
2014-05-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-05-08
|
| Consumer Consent Provided |
N/A
|
|
|
4205368
|
2021-03-11
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
No
|
| Company |
Borenstein & Associates, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Contacted your employer
|
| Sub Product |
Auto debt
|
| Date Received |
2021-03-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9817772
|
2024-08-11
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Borenstein & Associates, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2024-08-11
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-15
|
| Complaint What Happened |
Borenstein and Associates made an attempt to collect {$30000.00} for an account that was opened with XXXX XXXX XXXX. I have never filled out an application for a loan with XXXX XXXXXXXX XXXX I filed a complaint with the CFPB on XX/XX/2024.
This debt does not belong to the consumer. The consumer is disputing the validity of the debt. In order for there to be a debt an application has to be filed in which will contain the social security number and a signature of the consumer 's agent must be upon that application. The consumer was a part of the XXXX security breach in XXXX and the consumer 's agent filed a complaint with the CFPB.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5007892
|
2021-12-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
Borenstein & Associates, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-05
|
| Complaint What Happened |
I paid off a debt prior to purchasing my new home. That debt was satisfied by the Title company on XX/XX/XXXX. On XX/XX/XXXX I was served judgement papers at my new home which is also my place of employment. I never received any correspondence from this company in the past year since the debt was paid. However it is clear they knew where to find me. They had the new address from the payoff file on the new home.
When I tried to follow up on this with a phone call I was told that I still owed the debt. I even gave them the payoff information. It was not until after the title company got involved and presented them with proof via the wire transfer receipt dated XX/XX/XXXX that they finally agreed.
After they received this information I was told that the paperwork submitted to XXXX XXXX County had been filed to satisfy that order. I asked for a copy of this four times before finally receiving that today after having to threaten to file a consumer complaint against them in my forth request.
This judgement was satisfied over a year ago. Both myself and the title company had issues with them and it took weeks to verbally get a payoff amount. Even then they would not provide anything in writing. This company needs to be shut down.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9319711
|
2024-06-21
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
Borenstein & Associates, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2024-06-21
|
| Submitted Via |
Web
|
| Company Response |
Untimely response
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-21
|
| Complaint What Happened |
The original contractor has attempted to collect final payment on a job that was not completed to code on multiple occasions via multiple firms. Please see communication string below for additional detail.
-- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX To : " XXXX '' XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Subject : XXXX This email will serve notice to Borenstein & Associates , LLC to cease and XXXX XXXX XXXX activity on behalf of XXXX XXXX XXXX XXXX and/or any other interested parties for the Home Improvement Agreement dated XX/XX/XXXX.
The material breach of contract by XXXX XXXX XXXX XXXXXXXX outlined below has still not addressed the code violation nor provided a copy of the building permit for this work showing it has passed inspection.
The agreement was terminated in accordance with the Termination clause of the agreement.
XXXX XXXXXXXX XXXX XXXXXXXX committed a material breach of the Contract and failed to correct the breach of the contract within ten ( 10 ) days notice of the breach. XXXX XXXX XXXX repeatedly failed to provide the Services of an acceptable standard as outlined in International Building Code [ BS ] C101.2 - Stud Cutting and Notching. XXXX XXXXXXXX XXXX XXXXXXXX cut studs to a depth greater than 40 percent of the width of the stud permitted in nonbearing partitions supporting no loads other than the weight of the partition.
Should Borenstein & Associates , LLC not cease and desist with its collection efforts in this matter a complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ).
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX -- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX To : " XXXX '' XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXT Subject : Reference : XXXX This email will serve notice to XXXX XXXX XXXXXXXX XXXX to cease and desist all collections activity on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for the Home Improvement Agreement dated XX/XX/XXXX.
The material breach of contract by XXXX XXXXXXXX XXXX XXXXXXXX outlined below has still not addressed the code violation nor provided a copy of the building permit for this work showing it has passed inspection.
The agreement was terminated in accordance with the Termination clause of the agreement.
XXXX XXXX Renovations, XXXX committed a material breach of the XXXX and failed to correct the breach of the contract within XXXX ( XXXX ) days notice of the breach. Bright Light Renovations repeatedly failed to provide the Services of an acceptable standard as outlined in International Building Code [ BS ] XXXX - Stud Cutting and Notching. XXXX XXXX Renovations, XXXX cut studs to a depth greater than XXXX percent of the width of the stud permitted in nonbearing partitions supporting no loads other than the weight of the partition.
XXXX XXXX XXXX XXXX, XXXX. not cease and desist with its collection efforts in this matter a complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ).
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX -- -- -- -- -- Original Message -- -- -- -- -- From : XXXX XXXX XXXX To : " XXXX '' XXXX Date : XX/XX/XXXX XXXX AM MST Subject : Reference # : XXXX This email will serve notice to XXXX XXXX XXXX XXXX XXXX XXXX to cease and desist all collections activity on behalf of XXXX XXXX Renovations, XXXX for the XXXX XXXX XXXX dated XX/XX/XXXX.
The agreement was terminated in accordance with the Termination clause of the agreement.
XXXX XXXX Renovations, XXXX committed a material breach of the XXXX and failed to correct the breach of the contract within XXXX ( XXXX ) days notice of the breach. Bright Light Renovations repeatedly failed to provide the Services of an acceptable standard as outlined in International Building Code [ BS ] XXXX - Stud Cutting and Notching. XXXX XXXX Renovations, XXXX cut studs to a depth greater than XXXX percent of the width of the stud permitted in nonbearing partitions supporting no loads other than the weight of the partition.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX not cease and desist with its collection efforts in this matter a complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ).
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, CO XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
609756
|
2013-11-22
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
No
|
| Company |
Borenstein & Associates, LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2013-11-22
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-11-25
|
| Consumer Consent Provided |
N/A
|
|
|
2843980
|
2018-03-15
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
No
|
| Company |
Borenstein & Associates, LLC
|
| Product |
Mortgage
|
| Sub Product |
Other type of mortgage
|
| Date Received |
2018-03-15
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-28
|
| Consumer Consent Provided |
N/A
|
|
|
5699104
|
2022-06-23
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
Borenstein & Associates, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2022-06-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-23
|
| Consumer Consent Provided |
Consent not provided
|
|
