Debt collection -- False statements or representation -- Complaint #16960148
Complaint Overview
Complaint ID: 16960148
Company: Kirschenbaum & Phillips P.C
Product: Debt collection
Sub-Product: Rental debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: New York
ZIP Code: 11729
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-11-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXXWhat happened:XXXX XXXX XXXX I received an initial debt collection letter from the law firm Kirschenbaum & Phillips, P.C. concerning an alleged debt of XXXX owed to XXXX XXXX XXXX. I dispute this debt in its entiretyXXXXThe letter contained multiple deceptive representations, including the false impression of attorney involvement and a misleading "dispute deadline" of XXXX XXXX XXXX which misstates the 30-day dispute period required by federal lawXXXX XXXX XXXX XXXX, I exercised my rights under the Fair Debt Collection Practices Act (FDCPA) by mailing a written debt validation request via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested proof of a valid contract, an itemized accounting, and documentation proving their legal standing to collect. USPS tracking confirms the company received my request on XXXX XXXX XXXXAs of now, the debt collector has failed to provide any validation or respond. Under the FDCPA, 15 U.S.C. 1692g(b), a debt collector must cease all collection activity upon receipt of a timely dispute until the requested verification is mailed. The collector\'s failure to provide validation while continuing its collection effort is a violation of this federal requirement.XXXXI am requesting that the CFPB investigate these unlawful practices and require the company to:XXXX1. Cease all collection activity on this account.XXXX2. Delete any related information from all consumer reporting agencies.XXXX3. Provide written confirmation that the account is closed and will not be sold or transferred.'
Frequently Asked Questions
What is Complaint #16960148 about?
Complaint #16960148 was filed against Kirschenbaum & Phillips P.C regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-10-31T12:00:00-05:00.
How did Kirschenbaum & Phillips P.C respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Kirschenbaum & Phillips P.C?
Yes, visit the Kirschenbaum & Phillips P.C company profile at readthecomplaint.com/company/kirschenbaum-phillips-p-c to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.