8662376191

Do the correct moral thing and pay your bills!!!

I also received a phone call from this company sometime last week. I don't check my housephone voicemails often so when I did I called them back to see what was going on. The voicemail stated that "A claim had been filed against my social security number and that I needed to respond immediately". When I called the person who answered the phone only said hello and did not even state the name of the company that he was working for. That was the first thing that alarmed me. After giving them my claim number I was told that I had a debt with Verizon for $9475.10 and that it would be in my best interest to settle this out of court for $2150.00 with the first payment being made on today. I told the man that I recently got a cell phone with Verizon 3 weeks ago and I know they would not have approved me for anything if I owed them any money. He stated that was true. When I asked for information on the original debtor and what the debt was for he claimed it was a calling card and I told him that I've never had one. He asked my if I used one when I was in college and I told him that I called directly through my parents calling cards through Sprint. He then eluded that maybe one of my parents or close relatives stole my social security number and purchased something in my name. I told him that I did not have those types of parents and that they would never do anything like that to me. He then proceeded to tell me to never say "never". I asked for something in writing in reference to the debt and he told me that would only delay things and that he would e-mail me. I checked my e-mail and the only thing he sent was what he wanted me to pay and the dates he wanted the payments to arrive in his office. I called back and asked to speak with his supervisor to get information on the original debt. His supervisor stated that the debt was from a CitiFinancial Card. I advised him that I've never had a credit card over the limit of $500.00 and did not understand if this was from CitiFinancial how they could calculate over $9000.00. The caller said he was checking my Experian credit report and that if I paid the money the item would be removed off of my report and my score would go. Well I have access to all 3 of my credit reports and I checked them and advised him that I did not see anything. I researched this company Rubin and Yates online and found several blogs on them with nothing but negative information. One of the blogs indicated to contact the Attorney's General Office in which I did and I'm glad that I did. The credit card that Rubin and Yates was referring to was paid out in full and closed in 2003. They stated that the card was opened in 2002 and payments were being made on it until 2005, which was a lie. Once I told them that they went back to it being a calling card. I was really worried about this because I believe in paying my debts but I learned this time that everyone is not honest although I wish that they were. Please take your time and research things before you make an agreement to pay or before you pay for something that you're not sure of whether or not it belongs to you. The attorney general told me not to call them back and stated that if they call me back to continue to request that they send me written information in the mail verifying this is my bill. They said if they can't do that then do not worry about anything because a real collection agency will be more than willing to send you information on an alleged bill that you owe. Rubin and Yates wanted me to settle the account even after I told them that it did not belong to me. That was a scam and they're not trying to help anyone out. There is something really "wishy-washy" about this company and I don't trust them at all. What happens is once you make arrangements to pay or provide them with payment information (check by phone, credit card, etc.) the statute of limitations opens back up and they can take you to court. The attorney general did tell me that there are not any statute of limitations on the amount of time that they can call you about the money you owe but there are statute of limitations on the amount of time they can take you to court and this time spans 3 to 10 years depending on the contract that you signed. I hope this helps someone.

I just received a call from 1-86-237-6191 looking for a tax service company.  They said that they were from Rubin & Yates and to call back MR. Hubble.   I called the number back with the case number they left.  After they started talking they were looking for the same people that gave my number to another collection agency 6 months ago.  The people they were looking for are on the east coast not san diego, ca.

We have received several calls from Rubin and Yates regarding an amount supposedly owed by one of our relatives.  We have no financial obligation for this relative's debts, if indeed they even exist.  We have asked repeatedly that they no longer call us, but they persist in calling.

Rubin & Yates is a criminal organization with no legitimate  address or corporate identity.  They have been sued 4 times for similar behavior but nobody has been able to successfully serve them, let alone obtain any money from them.  They are hiding out under the radar for now.   Call your local Attorney General, the FTC and the NY Attorney General and tell them to put a stop to these criminals.

Rubin & Yates is a criminal organization with no legitimate  address or corporate identity.  They have been sued 4 times for similar behavior but nobody has been able to successfully serve them, let alone obtain any money from them.  They are hiding out under the radar for now.   Call your local Attorney General, the FTC and the NY Attorney General and tell them to put a stop to these criminals.

I received a call on March 10, 2010 (TO BE EXACT) from these POOR EXCUSES FOR HUMAN BEINGS... And somehow they caught me off  guard because I answered another phone in the home... If I would have been at my own phone - I would have had my Original Info to dispute what they had... Once I agreed to a payment plan - I realized that after asking for something in writing or via my email - I NEVER RECEIVED IT - So I then went to my Bank (LOVE THEM) and PLACED A STOP ON THOSE PAYMENTS... They only got $350. AND WILL GET NO MORE... I will report them to the BBB..
And I can not wait for a phone call from THEM - once they find out there are NO MORE PAYMENTS...
I HOPE THEY MAKE MY DAY!!!!

I paid my bill. They were not so bad. Your people on here need to get a life. They worked out an affordable monthly agreement with me. Now I just have to make sure the money is in my account each week. I dont know why everyone is so upset. I fell into hard times and am getting back on my feet. Thanks Michael for working with me.

Gina Dimonico-
Los Angeles, Ca

I cant believe all the negitivity. I just called them and they are going to work out a settlement on my account for half of what I owe, and remove it from my credit. Thats really awesome. I Hope I can come up with the money this is a really good deal. Maybe my mom would let me barrow a few bucks :) we will see I guess.

These guys called my house twice. I called an spoke to a guy and simply told him they were calling a bad number. He said that he will remove it and apolgized to me. Was very polite to me. Im just hopin I dont get any more annoying calls but Im glad they said they will remove my number. I thought might have to be mean about it, but then I realized Id be getting more bees with honey...haha

Rubin and Yates, LLC
 5334-5340 Transit Road, Suite 7
 Depew, New York  14043
   
Phone Numbers
Toll Free  (877) 573-2104

They haven't changed still into harrasment....

Keep getting unwanted phone calls but this recording only states the Case# and to call Mr.Hummel.
This is unwarranted harassment that does not relate to me.

Just to clarify, I am a debt collector and not all legit companies r like this.  Legit companies r only allowed to state the facts and they r required by law to provide verification of debt within 30 days of the request. Unfortunately there r bad seeds that make us all look bad.  As for this "company" l have been getting calls from them for another person and they r indeed leaving personal information on my voicemail that would definitely be a 3rd party violation of the FDCPA.  I have called and asked them to remove my number and after 4 times the last person informed me that there is a note on the file to DO NOT remove my number under any circumstances.  I have filed a formal complaint with the CFPB in regards to them, which I think everyone should do.  Also it doesn't hurt to know ur rights as a consumer that r awarded to u under the FDCPA (Fair Debt Collection Practices Act) This is what the legit collection companies r following and there r attorneys out there just waiting to sue an agency that doesn't follow these rules.

the law office of Rueben and Yates just call yelling at me for a pay day loans that i never took out but the phone no was (716)206-2330 i told told that my identity was stolen i just found out from the IRS frist it started with 2 payday loans now i was told that i have 45 loans i sent in all the paper work they needed and i stll get get calls the harassment calls from debt collector all the time the cops tell me there not breaking the law but they can call everyday more then 3 times a day and they say very bad words and we cant find out or stop them what can we do its ok for them to do this it needs to STOP STOP STOP NOW

There is an address for them in an earlier post, send them a cease and desist letter (have them sign for the letter) If they acknowledge the letter and still continue to call start recording the calls so you can sue them   (you'll need proof)

No, it is not ok for them to do this.  And yes, they are breaking the law.  The FDCPA is pretty clear about these kind of things. You just report them to different agency's as a ROT.    NY has strict laws there also. First, payday loans being illegal there period if you live in that state. Second the BBB requires verification of the agency's there. According to the BBB, there is alert on them where they failed to prove who they are as required. NY is a hotbed for this kind of thing - from the kitchen table DC scam operations to legit DC's ala Buffalo Bully's. Having read through some of the BBB complaints, they tend to either ignore and not respond to them, or they drop it with the usual ad nauseum reply's of we didn't do anything wrong. (This is why you want to record everything).

Debt is a civil matter and not criminal btw, also neither phone, fax or email are legal proof of debt. They must send it in the USPS mail. And don't buy into any story's on this. They also must be licensed in the state they are trying to collect in as well as the one they are in.

Play it according to hoyle though regardless, and follow the steps in what you need to know here. Document everything, keep any and all messages on answering machine and record everything every time they call according to your states phone laws, some states require they be told they are being recorded while others do not, link for this below also. Take pictures of your caller id to provide proof of the date and times the calls occurred, which you can also transfer over to a recording device for evidence and keep a notepad with dates, time, what it was about etc. Also check your states SOL(statue of limitations) and know your rights under the FDCPA regardless as this will help you fight them along with your other information:

https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/
http://www.fraud.org/
http://www.stopfraud.gov/report.html
Tip off FBI about this extortion attempt by filing form at: stips.fbi.gov/
Also with the BBB and follow through completely, this is important to do.
Seek a FDCPA/TCPA Attorney if need be..

One important thing to remember if these losers have any of your personal information such as your social security number, date of birth or drivers license make sure you register with identity protection notify the credit agencies as well as your banks!!
*********
credit reports:  Experian, Equifax, TransUnion
http://www.consumer.ftc.gov/articles/0155-free-credit-reports
***********************
http://www.irs.gov/Individuals/How-Do-You-Rep ... aud-Activity%3F
go to the IRS.gov site and fill out the forms on this page that pertain to them, most likely form 14039
*****************
How to see if your on the chex system list:
http://www.wikihow.com/See-if-You-Are-on-Chexsystems-List
************************

Consider getting a call blocking device or phone.. You can google them and many are around $50.00 or so. If its a cell phone, some already have call blocking, if not, there are free apps on the web that will work for some. You can google this. If you have a smart phone, there is a free app called call control. Iphones appear to have apps also. Another one is called Mr. Number.

Here's the BBB on this outfit and other information:

http://www.rubinandyates.com/
5334-5340 Transit Road
Suite 7
Depew, New York 14043

Toll Free
(877) 573-2104

http://www.bbb.org/upstate-new-york/business- ... w-ny-142027360/

This Business is not BBB accredited
Rubin and Yates, LLC
Additional Locations

Phone: (866) 237-6191
Fax: (716) 204-0996
View Additional Phone Numbers

   (843) 315-3510(Phone)
   (855) 206-8347(Phone)
   (877) 573-2104(Phone)

5334 Transit Rd Ste 7, Depew, NY 14043

jstroehlein142@rubinandyates.com
http://www.rubinandyates.com

! There is an alert on Rubin and Yates, LLC !
BBB has seen a major increase in collection agencies
setting up businesses in the Upstate New York area over the past several
years.  In an effort to keep consumers informed about which collection
agencies are operating in accordance with Federal Law,
we are asking for specific information from all
collection agencies operating in our service area.  The requests includes
the following:

:Federal Employee Identification Number-EIN
:Proof Of Licensing, bonding and or registration by the
city, town in which your business is located.
:Proof of licensing required by any state in which you
operate by mail or telephone or email.

This collection agency has not responded to our
requests.

BBB advises consumers to be aware of their legal rights
in regard to collections.  The Fair Debt Collection Practices Act is a
statue enacted in 1978 which seeks to eliminate abusive and harassing behavior
by any debt or collection agency.  The act states specific practices and
rules under which debt collectors must abide by.  There are penalties for
agencies found breaking these laws.  Some of these laws state that a
collection agency is forbidden to harass a debtor, which includes threatening
violence or legal action.  They may not use crude or offensive language or
identify themselves as anyone other than by their business name.  If a
consumer believes a debt or collection agency has violated any of the FDCPA
laws the BBB encourages them to file complaints with the BBB at bbb.org and Federal Trade Commission at ftc.gov.

BBB® F Rating

44 complaints closed with BBB in last 3 years | 27 closed in last 12 months
Complaint Type     Total Closed Complaints
Advertising/Sales Issues     0
Billing/Collection Issues     39
Delivery Issues     0
Guarantee/Warranty Issues     0
Problems with Product/Service     5
Total Closed Complaints     44

Additional Information

BBB file opened: September 23, 2008
Business started: 05/24/2007 in NY
Business started locally: 05/24/2007
Business incorporated: 05/24/2007 in
Type of Entity
Partnership
Contact Information
Principal: Mr. Cedric Jordan, CEO

Related Links:

http://www.ripoffreport.com/r/Ruben-and-Yates/Williamsville-New-York-14221/Ruben-and-Yates-Bill-McFe-This-person-disguised-to-be-a-lawyer-and-stole-60000-Will-1129119


As Named Defendant:

http://www.law360.com/articles/574367/out-of- ... ion-denied-fees

http://www.gpo.gov/fdsys/granule/USCOURTS-mie ... 1_12-cv-11224-0

http://docs.justia.com/cases/federal/district ... 11224/267894/12

http://leagle.com/decision/In%20FDCO%20201408 ... %20YATES,%20LLC

http://www.plainsite.org/dockets/nitgvgip/mic ... -and-yates-llc/

http://www.paed.uscourts.gov/documents/opinions/14d0739p.pdf

https://www.docketalarm.com/cases/New_York_We ... _%26_Yates_LLC/

http://www.rfcexpress.com/lawsuits/consumer-c ... /related-cases/

Informational Post:

A Collection Agent May Not…

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer’s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer’s debts with third parties other than the consumer’s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.

http://www.rubinandyates.com/

There is an address on that webpage.

Just because a voice on the telephone claims you owe a debt does not mean you owe it
If a voice on the telephone claims you owe a debt:
1.    Demand the person give you his or her name, company name, and address
2.     Demand a debt validation letter by US mail.  E-mail no good.
3.    Do not pay  the collection agent or anyone else a  dime until the debt is validated

If they are bothering you, report them:

http://www.consumer.ftc.gov/articles/0149-debt-collection

Also contact your local attorney general

If they continue to bother you, tell them that you know this is  a debt scam and that you are making a complaint to the police for extortion.  Once you get a copy of the police report and they call you again , just read out the  file number and the name of the PD or Sheriff’s office involved.   Tell them you’ll be glad to send a copy to them at whatever address the jack***es are working out of now.

Also see:  http://www.ag.ny.gov/debt-settlement/debt-collection-companies

My employer received a call that I was going to be prosecuted for insufficient funds. The name was Gary King and the number was 855-206--8348.  It's. Very embarrassing for them to leave messages like this with my supervisor. Is this even legal? And advice would be appreciated.