I am sorry that I am not familiar with this company, however if I were you, I would do a search on the better business bureau web page, there will be a lot of information on them there. I found a lot of negative information on them there. Have a look for yourself.
Hi goodnatured
As per the BBB, Kingman cole and associates is a collection agency having an unsatisfactory record. As per their report, They have complaints from the consumers that this CA has harassed them and behaved rudely with them. Kingman cole and associates is not a BBB accredited business.
I had an Electronic Check debited from my account from Kingman Inc. I don't know who these people are. I know they are a CA, but, I never received a letter, etc. from this company. How can they debit my account, if I don't know who they are?
I was called by this company, said we owed them for an old debt. Spoke with Kyle Schwartz, he says he is the attorney that will sue me if I dont pay him. Something seemed shady, bc we had never heard of this "cc company" they say we didnt pay. I just verified with the New State Bar Association that Kyle Schwartz is NOT an attorney barred in the State of New York. The Bar Association also reports they receive many calls about this guy and that this company is a scam company, that even gets info off of your credit report, etc. She suggested to call your local district attorney and file charges against them. "Practicing law without a license" is the term she told me. DONT PAY THEM A DIME.
When this 'company' took money out of my account, it was an electronic check. However....it said on the back of the image ( the check) that it was a re-deposit. I sure have never heard of these people. A credit card company?..mmm. When they DID take money from my account, I din't notice it until a few days later. By then, it was too late to 'return' the check. does anyone have a phone number or information on them?
Hey folks – I got the call from the same people who obviously use several different names (Brady & Caruso, Abrams, Burke and Assoc, Marshall Ziolkowski enterprises, ING Island National Group and Kingman Cole). I learned that these people are doing highly illegal things.
If you are dealing with these Company's. Get everything in writing and tape all phone calls because there conversations with you are going to get very very nasty.
All of these Company's are a part of Ing Island National Group
Brady and Caruso
2585 Niagra Falls Blvd
Buffalo, NY 14228
Kingman, Cole and Associates LLC
6558 4th Section Rd #321 (a UPS store)
Brockport, NY 14420
Marshall and Ziolkowski Ent. LLC (aka/MAZE)
1416 Sweethome Rd Suites 1-4
Amherst, NY 14228
ING (Island National Group)
6851 Jericho Turnpike #180
Syosset, NY 11791
Caller ID: 7166966131
Caller: Brady Caruso Kingman Cole Marshall Kiolk
Caller Type: Collection Agency
And if you need more informationt go to Google and enter the name of the company and you will find out what is going on.
Also try 800notes.com
You can go to your bank and file a dispute on the charges. I have done this and the bank got my money back. It may take a while sometimes a few weeks, you have to go to the bank and ask for the form, the bank will not volunteer the information to you. I really had to press to get it.
How does the bank then get the money back from the place that took it GN? Someone in the end has to be responsible and I would think this would be the person who debited the money ,or ask for the money to be debited , in the first place.
They can easily get your bank account information from the original creditor, I don't see how it is legal for them to just debit your account, you would think that the bank would be up on this and help their customers out.
I am not sure who they get the information from or who the bank collects the money from. They did get it that is all I was concerned about.
It should not be legal because you did not give that company the right, only the OC. I never sign any of my cc's up for direct debit. This is the end result if you get in a bad place.
I agree with you, I never even gave the original creditor my bank account information, somehow they get it, I think this violates the hell out of privacy.
How in hecks creation do they get this info? It is suppose to be one of the most protected forms of info there is. The only thing I can imagine is if the credit card company kept a copy of the check numbers when someone paid by check just in case. Still this has to be highly illegal and I can not see how someone who has had this done can not press charges.
No, I have some that have tagged my bank account and I have never even had an account with them and they pull money from my bank account. I don't know how they get it, I find it more disturbing that your bank will let them access your account with out contacting you.
Did you ask the bank how this is happening? I can not believe just how unfair this is. So in other words if you get one past debt in collections you have to monitor your account forever unless it is paid off? See this is what I am talking about needing some reform to this area. The banks are so anxious for you to let them keep oyour mon ey for you, often competing with other banks and offering cheap awards and then they can't go the full 360 and protect you. Is this even legal for these companies to do this. Wow you really just hit a nerve.
They pay the credit reporting agencies to get this information. So the very entity that reports on you shares your information with your debt collectors too. I wish there was a way to say to the credit reporting agencies " you are violating my privacy" I think there should be a law against this because if it were a doctor or anything else in life you would have a lawsuit against them for giving out personal information that will be used for collecting debt against you. It should be against the law.
The credit reporting agencies have all this information on file, they track your every move. I don't think they should be able to put this information out there the way they do. All the collection agency has to do is file a request and pay a fee and they have everything they need.
The credit reporting agencies let the collection agencies know when you file for anything also, they call it a tickle file, it sends them an alert that you are accessing your credit and the collector will start bugging you again.
I don't see how this is fair, especially when they will take the word of a collection agency over a debtor. A business can put about anything they want to on your report on the credit reporting agency will pull out the keyboard and start typing it in. I think there needs to be a more fair reporting deal, we can't report on them on the reports. All they have to do is to ignore our request for debt validation and their negative report stays on our report.
My goodness the more I hear the more discusted I get. This is probaly why they had started to bother me after so long. My hubby too. He also had an old Cap. One when we met. We didn't hear anything for a few years. I figured it was because the bills and phone were all in my name and he never applied for any new credit. Once we consolidated loans they sent a letter or two again.
I also seen on mine it isn't really updated because they have the name of a very old employer on there. I have worked a few places since.
I have gotten many calls from this number, when I called back they told me that I would have to come down to the office to talk to them.
The problem is I live in Arkansas, it is in NY so how do you get from here to there????
It is just ridiculous for them to even think that you would "just come down to the office", You should send them a debt validation letter, put the ball back in their park, if they can't validate then they can not collect it.
Hi liz2taylor
If Kingman Cole is calling you up over phone there is no need to worry because they need to have proper proof that they owe the debt before collecting it. First pull out your credit report to find out whether they have listed their name against any debt. If they have done so, just send a debt validation letter by certified post. Unless they validate your debt, they cannot collect the debt. You need not go to Arkansas to find out whether you actually owe the debt or not.
There are a lot of complaint against kingman Cole and Associates. Just try to avoid them by sending a debt validation letter if they send you a debt validation notice or list their name in your credit report. If they still disturb you for any debt without validating it, send a cease and desist letter to them. There are sample cease and desist letter and debt validation letter in the forum itself if you visit the link letters of credit
I just got a call from these guys last week after they were trying to tell me I had to pay a debt that's nearly 9 years old. I told him that I thought it was a scam and for him to send me a letter. Well the letter came today in the mail. It basically says what he told me over the phone. So after searching this company online, I find this website. It's probably a good idea that I put my 2 cents here as well so that anyone dealing with this company will know what they're up to. I searched them in the BBB and they are ranked with an F and have 39 complaints filed against them.
Anyway, I found it odd right off the bat that he said I owed on an account that was that old? I checked my credit report (all 3) and have 0 negative accounts shown in any of them. I was negative on the account in question, but I remember taking care of that years and years ago. Anyway, when he calls me back, i'm going to record everything he tells me and try to get all the info I can from him. We shall see what happens. I feel sorry for anyone this person calls and scares into paying them money. He told me that if I didn't pay the money I "owed", they would attach their fee of $1000 to debt and proceed with court actions. After reading the BBB rules on how debt collection agencies can act, this is clearly a violation on their part. Next time he calls.. My phone will record the conversation. BUSTED!
Hi Nic
First of all, the debt has been 9 years old and the SOL on the debt must have expired. Moreover the seven year listing period has also expired and so I think that you should not pay them any amount because if you pay them even a small amount, you account will re-age and you may become liable to pay back the entire outstanding debt.
However, you should first check the SOL in your state because the SOL varies from 3 years to 15 years depending on the type of debt and the state where you have signed the loan agreement. Now, if the debt is past SOL, you need not worry else you should go for debt validation by certified mail.
kingman cole and associates is the worst collection agency, one of my friend have very bad experience of it they called him and threatened that if the debt not paid they ll put behind him behind the bar.They continusly calls thoushands times in a day.they also threaten him that they will seize his bank account, if you confront them then you are gone they are very rude kind of people.this people are the big liar they use all the criminal tactics to collect the debt i think we should stand together and take some action against them.
Trust me, they will not push me around. I want to catch them in the act of something illegal so I can forward the info to all of you and the authorities. The debt I owed to the company in question nearly 9 years ago is wiped clean from all my credit reports. As mentioned, maybe it's still active some how? I'm just curious how Kingman may have found it? It was too long ago to remember if I paid it off totally, but what I believe happened with it was it was a charge off or what ever they call it. Meaning I got a letter stating if you pay like 25% of the debt, we'll just call it a wash, drop it, but your credit report will hurt for a while till its gone.
I'm thinking these guys pulled up old records some how of old bank charge off's and are trying to get me to pay something that was settled a long time ago? He brought up the credit crisis and told me that banks are starting to pursue old accounts more closely and yada yada.... We shall see.
Hi guest
Can you tell me the state where the loan agreement was signed and the date of your last payment (if you have it in your records)? Normally, the SOL on the debt expires after such a long period of time and you need not make any payment towards the debt if the SOL has expired. Even if they ask you to make a payment of 25% of the outstanding debt, you should not make any payment because if you make any payment, the SOL will restart and the creditor might sue you to recover the entire debt.
Ok. Formal complaint filed against this guy after he threatened me on the phone. Here is the complaint I filed with my local police and the FTC. Complaints are being filed with my local AG as well as the NY AG as well.
This is the complaint I filed electronically.
This complaint is to notify whom it may concern that Mr. Jennings has called me a hand full of times over the last 2 weeks to tell me I owe $497.52 on a Fred Meyer account that doesn't appear on my credit report. All three of my credit reports are flawless and show 0 negative comments on them. He claimed that if I did not pay him the $497.52, he would send a local sheriff to my door to notify me i'm being sued for $1500 for which they would take the money from my pay check. He said because of the country's credit problems, Fred Meyer was seeking to claim a past debt. I asked him if I could call Fred Meyer directly to make the payment and he said no because it is illegal for them to talk to me since Kingman Cole holds the account now. After doing a search on the BBB and Google, I see that this company is VERY well known for scare tactic phone calls and it's recommended to file a complaint with every agency possible to get these guys to stop using illegal methods of scaring people into paying them. I have not sent Mr. Jennings any money what so ever.
I hope anyone else who gets a call from these guys files the same complaint.
Check you credit report and check the statute of limitations. These guys but old debt for pennies on the dollar and will threatened you with lawsuit and wage garnishment. They may be able to do this but if your old debt was written off and the statue of limitations has expired then you don't have to pay anything. These guys will lie to you about the statute of limitations on your debt. I was told that statute of limitations on my debt for my state was 10 years... Wrong.. it's 4 and my personal accounts statute of limitations has expired. I know we all have our reasons for not paying our debt. I think you should pay if your able but that's always not the case. GL to all and check your statute of limitations on your debt. It's the LAW
I received a call today from christy clark. She left a message on my cell phone and my house phone. My debt is past the sol and she said on message that she will put a lean on my taxes and all aother accounts I have. She said the sheriff will be coming to serve me papers and I will be charged with 3 criminal charges and have to pay over 11k by the time she is thru with me. She also said she all ready contacted the court where I live. I saw alot of complants on budhibbs.com about this company but I do not know what is real and what is a scam anymore. Just when I think I am getting things together something like this comes up.
I have never posted a message on this site before but I just want to say that this is the same exact thing that happened today, same person same dollar amounts, and exact same threat. I live in Illinois and the SOL has expired. I had been trained on FDCPA practices and I know for sure that what they are doing is illegal. They cannot leave such a message with a third party (answering machine inclueded). Something else to keep in mind that I have learned some time ago. When an attorney or collector contacts you, tell them that you need a copy of the original debt agreement (which they would not have because you did not make the agreement with them). If the case does end up in court, you need to see their 'power of attorney' issued by the creditor (which they wouldn't have either), and the case should be dismissed as they do not have the right to act on it as they are a third party.
I got a call from them last night. I was threatened that if I didn't send them the money that this morning that they were going to court and file charges against me. That it would be a felony, I would go to jail and I would lose my SSD. When my boyfriend called back he told him something different. That it was being called A breach of contract. The card in question is something I never opened. I left that county in '02 and the card was open in '03. Several payments were made and then stoppped. He said the card was opened over the phone. It was for $300 and now the dept is$2500. I called my local police and they are having me file a police report and contacting the DA in my area.
If you cannot pay off a credit card debt, it is not a criminal offense and so they cannot send you to jail. Again your social security benefit will not be stopped for non payment of credit card debt. Moreover, the creditor cannot even garnish your social security benefit to recover the debt.
Since a credit card was opened without your authorization, I think that it is a case of identity theft and so you should file a complaint with the FTC so that you can become a registered victim of identity theft.
This company has contacted me about an old debt. We had made a settlement on it when the amount was appox 2100. I told them that we had already paid it. They asked for a copy of the check. It's been 3 or 4 years ago. I don't have it anymore. I said that I wanted proof that we owed anything, now its over 7000. He told me he didn't have to prove anything at all to me. Nothing about this seems right. Now they are saying since I'm being uncooperative they will just have to file suit? Does anyone have any suggestions. Do I just ignore???
Update:
Please read my last few posts in this thread about my run in with kingman cole and their non sense.
OK, game over! After the last phone call I got from this guy, I did everything I could to report them because I felt I was in the right. I followed the process laid out in another thread about how to file a complaint about a possible scam against you. Called my local authorities who sent a cop over to my house to file a report. Left a complaint with my state and the state of NY BBB and did a few other things I can't remember off hand. Took a few hours to make all the phone calls and file all the reports (electronically), but in the end, the BBB of NY helped me out.
After about 3-4 weeks from my report on Kingman cole, the NY BBB sent me a letter saying they had followed up on my report and contacted Kingman who was dropping the case against me. They reported that it was due to the little amount they claimed I owed. Funny... Just a few weeks earlier, this guy made it seemed like this "little amount owed" would be enough to take me to court and put me in jail!!! LOL.. I report him and bada-bing, it's over.
So.. I KNOW FOR A FACT I payed my debt to the company he claimed I owed. Did I have proof I payed it? No! It was a debt from many years ago. Still, my credit report is SPOTLESS so I knew I could fight them. Glad I did.
Good luck to everyone else fighting these guys. Don't hesitate to report them any way you can. Google the name and you'll find a website that directs you exactly how to report them if you can't find it here. FIGHT THEM TO THE END!!!
Hi Nic and Hi all, funny I just received a phone call same as you an old debt from a credit card from 2004 that I owed 2500 but they are willing to settle for 1500 dollars, I called the bank in question, do not owe them anything, I did have a credit card with them, but all paid off, the credit reports show nothing aswell, they send me even a bill fro 1500 froom Kingman, and Funny that email was from Mr JENNINGS aswell...
What can I do to help you guys closed their company , they should not even be allowed to existe, and their website should not exist, I will do anything I can to help you all, let me know what I can do !!!! LEt's make them suffer !!!! and Audited, because some people probably paid too !!!!
Stephan
The first thing you should do is ask for debt validation (DV). You will find a sample of a DV letter if you visit the following link: http://www.creditmagic.org/repair/sampleletter-debtvalidation.html . Send the DV letter through certified mail with a return receipt requested. You must retain copies of the DV letter. Kingman Cole and Associates should validate the debt within 30 days after receiving your DV letter.
Also check whether the debt is within the Statute of Limitation (SOL) period. If the SOL period has expired, and you make any payment it will restart. But if the debt is within the SOL period and the collection agency is able to validate your debt, try for a debt settlement. Try to negotiate on a amount that is 40-60% less than the actual debt amount. You should request a written agreement from the CA, before making any payment. The agreement should state, that the debt account will be removed from your credit report, once you have made the payment.
There is no debt, I do not owe HSBC anything , I called them directly, this case was closed since 2004, Google Kingman Cole and see what happen it is crazy they try to scam the whole America, I was saying I can help to shut this comapny down, they are total SCAMMERS, they need to be stopped !!!! there is no debt to pay, they use the HSBC credit card I had 7 years ago, and it is paid, they have the Credit card number, but it was one number off, they tried to collect $1500 from me, I am going to do anything I can to stop their crap, so I need all the people against them to help me out !!!!, I will not give up I am a real Gemini !!!!
I have been trying to contact Kingman, Cole and Associates for three weeks now, to no avail. I have emailed and called. For three weeks, their main number has had a recording that says the person at such and such extention is not available. You are allowed to leave a message, but don't expect any one to call you back. In addition, I made arrangements with them to draft my checking account every month for a credit card debt they were handling. We agreed that they take the money from may account on the first of each month. They have taken it as early as the 29th, and as a result of them violating our agreement, I have been charged at least two overdraft fees. Now because of the inability to contact them, I have closed my checking account to stop the automatic drafts. Do not send these bloodsuckers a dime. Contact the company with whom you have a debt and ask to deal directly with them. My advice would be to stay away from Kingman Cole and Associates!
I received a letter from them, then came here and found out this company was a scam, they told me they would sue me aswell, I then after a visit to this website, never replied to them, and I never received anything after that, I think if you ignore them , they go to the next victim.....
I thought it was illegal for someone to threaten to sue....
These same ppl called a friend of ours. I dont know how they got their number, but they called for my bro. Was releasing my bros info and saying my bro is about to go to jail bc they are gonna report it to the sherriffs dept. But I believe they have to be a secured creditor in order to fall into the category or hendering a secured creditor. Which they arent, bc my bro owes for overdrafting with a debit card and he didnt put anything up as collateral for the bank. HA! With this rude as* collector, he shouldnt expect sh** from my bro.
I am sorry that I am not familiar with this company, however if I were you, I would do a search on the better business bureau web page, there will be a lot of information on them there. I found a lot of negative information on them there. Have a look for yourself.
Hi Redach
Kingman cole and associates is a collection agency engaged in debt collection for its clients. You may contact them at the below address:
6558 4th Section Road Suite 321
Brockport, NY 14420
or call them at 1-866-345-4590
Their email id is info(at)kc-assoc.com
Have you checked the bbb on this company?
Hi goodnatured
As per the BBB, Kingman cole and associates is a collection agency having an unsatisfactory record. As per their report, They have complaints from the consumers that this CA has harassed them and behaved rudely with them. Kingman cole and associates is not a BBB accredited business.
debt
I had an Electronic Check debited from my account from Kingman Inc. I don't know who these people are. I know they are a CA, but, I never received a letter, etc. from this company. How can they debit my account, if I don't know who they are?
KINGMAN & COLE
I was called by this company, said we owed them for an old debt. Spoke with Kyle Schwartz, he says he is the attorney that will sue me if I dont pay him. Something seemed shady, bc we had never heard of this "cc company" they say we didnt pay. I just verified with the New State Bar Association that Kyle Schwartz is NOT an attorney barred in the State of New York. The Bar Association also reports they receive many calls about this guy and that this company is a scam company, that even gets info off of your credit report, etc. She suggested to call your local district attorney and file charges against them. "Practicing law without a license" is the term she told me. DONT PAY THEM A DIME.
Awesome, I am glad for you.
debt
When this 'company' took money out of my account, it was an electronic check. However....it said on the back of the image ( the check) that it was a re-deposit. I sure have never heard of these people. A credit card company?..mmm. When they DID take money from my account, I din't notice it until a few days later. By then, it was too late to 'return' the check. does anyone have a phone number or information on them?
Kingman Cole and Assoiciates LLC
Hey folks – I got the call from the same people who obviously use several different names (Brady & Caruso, Abrams, Burke and Assoc, Marshall Ziolkowski enterprises, ING Island National Group and Kingman Cole). I learned that these people are doing highly illegal things.
If you are dealing with these Company's. Get everything in writing and tape all phone calls because there conversations with you are going to get very very nasty.
All of these Company's are a part of Ing Island National Group
Brady and Caruso
2585 Niagra Falls Blvd
Buffalo, NY 14228
Kingman, Cole and Associates LLC
6558 4th Section Rd #321 (a UPS store)
Brockport, NY 14420
Marshall and Ziolkowski Ent. LLC (aka/MAZE)
1416 Sweethome Rd Suites 1-4
Amherst, NY 14228
ING (Island National Group)
6851 Jericho Turnpike #180
Syosset, NY 11791
Caller ID: 7166966131
Caller: Brady Caruso Kingman Cole Marshall Kiolk
Caller Type: Collection Agency
And if you need more informationt go to Google and enter the name of the company and you will find out what is going on.
Also try 800notes.com
SD what are you gonna do/ This seems very unfair that they are able to do this. How did they get your bank info?
You can go to your bank and file a dispute on the charges. I have done this and the bank got my money back. It may take a while sometimes a few weeks, you have to go to the bank and ask for the form, the bank will not volunteer the information to you. I really had to press to get it.
How does the bank then get the money back from the place that took it GN? Someone in the end has to be responsible and I would think this would be the person who debited the money ,or ask for the money to be debited , in the first place.
They can easily get your bank account information from the original creditor, I don't see how it is legal for them to just debit your account, you would think that the bank would be up on this and help their customers out.
I am not sure who they get the information from or who the bank collects the money from. They did get it that is all I was concerned about.
It should not be legal because you did not give that company the right, only the OC. I never sign any of my cc's up for direct debit. This is the end result if you get in a bad place.
I agree with you, I never even gave the original creditor my bank account information, somehow they get it, I think this violates the hell out of privacy.
How in hecks creation do they get this info? It is suppose to be one of the most protected forms of info there is. The only thing I can imagine is if the credit card company kept a copy of the check numbers when someone paid by check just in case. Still this has to be highly illegal and I can not see how someone who has had this done can not press charges.
No, I have some that have tagged my bank account and I have never even had an account with them and they pull money from my bank account. I don't know how they get it, I find it more disturbing that your bank will let them access your account with out contacting you.
Did you ask the bank how this is happening? I can not believe just how unfair this is. So in other words if you get one past debt in collections you have to monitor your account forever unless it is paid off? See this is what I am talking about needing some reform to this area. The banks are so anxious for you to let them keep oyour mon ey for you, often competing with other banks and offering cheap awards and then they can't go the full 360 and protect you. Is this even legal for these companies to do this. Wow you really just hit a nerve.
They pay the credit reporting agencies to get this information. So the very entity that reports on you shares your information with your debt collectors too. I wish there was a way to say to the credit reporting agencies " you are violating my privacy" I think there should be a law against this because if it were a doctor or anything else in life you would have a lawsuit against them for giving out personal information that will be used for collecting debt against you. It should be against the law.
Yes but how would the OC get such private info as that of a bank account unless they have one of your check payments on file?
The credit reporting agencies have all this information on file, they track your every move. I don't think they should be able to put this information out there the way they do. All the collection agency has to do is file a request and pay a fee and they have everything they need.
This is illegal or it should be. I thought that our bak account info was confidential. They shouldn't be allowed to list it on a credit report.
The credit reporting agencies let the collection agencies know when you file for anything also, they call it a tickle file, it sends them an alert that you are accessing your credit and the collector will start bugging you again.
I don't see how this is fair, especially when they will take the word of a collection agency over a debtor. A business can put about anything they want to on your report on the credit reporting agency will pull out the keyboard and start typing it in. I think there needs to be a more fair reporting deal, we can't report on them on the reports. All they have to do is to ignore our request for debt validation and their negative report stays on our report.
My goodness the more I hear the more discusted I get. This is probaly why they had started to bother me after so long. My hubby too. He also had an old Cap. One when we met. We didn't hear anything for a few years. I figured it was because the bills and phone were all in my name and he never applied for any new credit. Once we consolidated loans they sent a letter or two again.
I also seen on mine it isn't really updated because they have the name of a very old employer on there. I have worked a few places since.
calls
I have gotten many calls from this number, when I called back they told me that I would have to come down to the office to talk to them.
The problem is I live in Arkansas, it is in NY so how do you get from here to there????
It is just ridiculous for them to even think that you would "just come down to the office", You should send them a debt validation letter, put the ball back in their park, if they can't validate then they can not collect it.
Hi liz2taylor
If Kingman Cole is calling you up over phone there is no need to worry because they need to have proper proof that they owe the debt before collecting it. First pull out your credit report to find out whether they have listed their name against any debt. If they have done so, just send a debt validation letter by certified post. Unless they validate your debt, they cannot collect the debt. You need not go to Arkansas to find out whether you actually owe the debt or not.
There are a lot of complaint against kingman Cole and Associates. Just try to avoid them by sending a debt validation letter if they send you a debt validation notice or list their name in your credit report. If they still disturb you for any debt without validating it, send a cease and desist letter to them. There are sample cease and desist letter and debt validation letter in the forum itself if you visit the link letters of credit
I just got a call from these guys last week after they were trying to tell me I had to pay a debt that's nearly 9 years old. I told him that I thought it was a scam and for him to send me a letter. Well the letter came today in the mail. It basically says what he told me over the phone. So after searching this company online, I find this website. It's probably a good idea that I put my 2 cents here as well so that anyone dealing with this company will know what they're up to. I searched them in the BBB and they are ranked with an F and have 39 complaints filed against them.
Anyway, I found it odd right off the bat that he said I owed on an account that was that old? I checked my credit report (all 3) and have 0 negative accounts shown in any of them. I was negative on the account in question, but I remember taking care of that years and years ago. Anyway, when he calls me back, i'm going to record everything he tells me and try to get all the info I can from him. We shall see what happens. I feel sorry for anyone this person calls and scares into paying them money. He told me that if I didn't pay the money I "owed", they would attach their fee of $1000 to debt and proceed with court actions. After reading the BBB rules on how debt collection agencies can act, this is clearly a violation on their part. Next time he calls.. My phone will record the conversation. BUSTED!
Hi Nic
First of all, the debt has been 9 years old and the SOL on the debt must have expired. Moreover the seven year listing period has also expired and so I think that you should not pay them any amount because if you pay them even a small amount, you account will re-age and you may become liable to pay back the entire outstanding debt.
However, you should first check the SOL in your state because the SOL varies from 3 years to 15 years depending on the type of debt and the state where you have signed the loan agreement. Now, if the debt is past SOL, you need not worry else you should go for debt validation by certified mail.
kingman cole and associates is the worst collection agency, one of my friend have very bad experience of it they called him and threatened that if the debt not paid they ll put behind him behind the bar.They continusly calls thoushands times in a day.they also threaten him that they will seize his bank account, if you confront them then you are gone they are very rude kind of people.this people are the big liar they use all the criminal tactics to collect the debt i think we should stand together and take some action against them.
Regards
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Aby
Trust me, they will not push me around. I want to catch them in the act of something illegal so I can forward the info to all of you and the authorities. The debt I owed to the company in question nearly 9 years ago is wiped clean from all my credit reports. As mentioned, maybe it's still active some how? I'm just curious how Kingman may have found it? It was too long ago to remember if I paid it off totally, but what I believe happened with it was it was a charge off or what ever they call it. Meaning I got a letter stating if you pay like 25% of the debt, we'll just call it a wash, drop it, but your credit report will hurt for a while till its gone.
I'm thinking these guys pulled up old records some how of old bank charge off's and are trying to get me to pay something that was settled a long time ago? He brought up the credit crisis and told me that banks are starting to pursue old accounts more closely and yada yada.... We shall see.
Hi guest
Can you tell me the state where the loan agreement was signed and the date of your last payment (if you have it in your records)? Normally, the SOL on the debt expires after such a long period of time and you need not make any payment towards the debt if the SOL has expired. Even if they ask you to make a payment of 25% of the outstanding debt, you should not make any payment because if you make any payment, the SOL will restart and the creditor might sue you to recover the entire debt.
Ok. Formal complaint filed against this guy after he threatened me on the phone. Here is the complaint I filed with my local police and the FTC. Complaints are being filed with my local AG as well as the NY AG as well.
This is the complaint I filed electronically.
This complaint is to notify whom it may concern that Mr. Jennings has called me a hand full of times over the last 2 weeks to tell me I owe $497.52 on a Fred Meyer account that doesn't appear on my credit report. All three of my credit reports are flawless and show 0 negative comments on them. He claimed that if I did not pay him the $497.52, he would send a local sheriff to my door to notify me i'm being sued for $1500 for which they would take the money from my pay check. He said because of the country's credit problems, Fred Meyer was seeking to claim a past debt. I asked him if I could call Fred Meyer directly to make the payment and he said no because it is illegal for them to talk to me since Kingman Cole holds the account now. After doing a search on the BBB and Google, I see that this company is VERY well known for scare tactic phone calls and it's recommended to file a complaint with every agency possible to get these guys to stop using illegal methods of scaring people into paying them. I have not sent Mr. Jennings any money what so ever.
I hope anyone else who gets a call from these guys files the same complaint.
kingman cole etc etc
they operate under several names and I don't believe they can spell FDCPA Does any one know if they operate as lehman and ross
check your statute of limitations
Check you credit report and check the statute of limitations. These guys but old debt for pennies on the dollar and will threatened you with lawsuit and wage garnishment. They may be able to do this but if your old debt was written off and the statue of limitations has expired then you don't have to pay anything. These guys will lie to you about the statute of limitations on your debt. I was told that statute of limitations on my debt for my state was 10 years... Wrong.. it's 4 and my personal accounts statute of limitations has expired. I know we all have our reasons for not paying our debt. I think you should pay if your able but that's always not the case. GL to all and check your statute of limitations on your debt. It's the LAW
kingman arbatrations
I received a call today from christy clark. She left a message on my cell phone and my house phone. My debt is past the sol and she said on message that she will put a lean on my taxes and all aother accounts I have. She said the sheriff will be coming to serve me papers and I will be charged with 3 criminal charges and have to pay over 11k by the time she is thru with me. She also said she all ready contacted the court where I live. I saw alot of complants on budhibbs.com about this company but I do not know what is real and what is a scam anymore. Just when I think I am getting things together something like this comes up.
Kingman arbitrations
I just read 'so grl' message.
I have never posted a message on this site before but I just want to say that this is the same exact thing that happened today, same person same dollar amounts, and exact same threat. I live in Illinois and the SOL has expired. I had been trained on FDCPA practices and I know for sure that what they are doing is illegal. They cannot leave such a message with a third party (answering machine inclueded). Something else to keep in mind that I have learned some time ago. When an attorney or collector contacts you, tell them that you need a copy of the original debt agreement (which they would not have because you did not make the agreement with them). If the case does end up in court, you need to see their 'power of attorney' issued by the creditor (which they wouldn't have either), and the case should be dismissed as they do not have the right to act on it as they are a third party.
Hope this helps, this is what I've been told.
B& C
I got a call from them last night. I was threatened that if I didn't send them the money that this morning that they were going to court and file charges against me. That it would be a felony, I would go to jail and I would lose my SSD. When my boyfriend called back he told him something different. That it was being called A breach of contract. The card in question is something I never opened. I left that county in '02 and the card was open in '03. Several payments were made and then stoppped. He said the card was opened over the phone. It was for $300 and now the dept is$2500. I called my local police and they are having me file a police report and contacting the DA in my area.
If you cannot pay off a credit card debt, it is not a criminal offense and so they cannot send you to jail. Again your social security benefit will not be stopped for non payment of credit card debt. Moreover, the creditor cannot even garnish your social security benefit to recover the debt.
Since a credit card was opened without your authorization, I think that it is a case of identity theft and so you should file a complaint with the FTC so that you can become a registered victim of identity theft.
question
This company has contacted me about an old debt. We had made a settlement on it when the amount was appox 2100. I told them that we had already paid it. They asked for a copy of the check. It's been 3 or 4 years ago. I don't have it anymore. I said that I wanted proof that we owed anything, now its over 7000. He told me he didn't have to prove anything at all to me. Nothing about this seems right. Now they are saying since I'm being uncooperative they will just have to file suit? Does anyone have any suggestions. Do I just ignore???
Update:
Please read my last few posts in this thread about my run in with kingman cole and their non sense.
OK, game over! After the last phone call I got from this guy, I did everything I could to report them because I felt I was in the right. I followed the process laid out in another thread about how to file a complaint about a possible scam against you. Called my local authorities who sent a cop over to my house to file a report. Left a complaint with my state and the state of NY BBB and did a few other things I can't remember off hand. Took a few hours to make all the phone calls and file all the reports (electronically), but in the end, the BBB of NY helped me out.
After about 3-4 weeks from my report on Kingman cole, the NY BBB sent me a letter saying they had followed up on my report and contacted Kingman who was dropping the case against me. They reported that it was due to the little amount they claimed I owed. Funny... Just a few weeks earlier, this guy made it seemed like this "little amount owed" would be enough to take me to court and put me in jail!!! LOL.. I report him and bada-bing, it's over.
So.. I KNOW FOR A FACT I payed my debt to the company he claimed I owed. Did I have proof I payed it? No! It was a debt from many years ago. Still, my credit report is SPOTLESS so I knew I could fight them. Glad I did.
Good luck to everyone else fighting these guys. Don't hesitate to report them any way you can. Google the name and you'll find a website that directs you exactly how to report them if you can't find it here. FIGHT THEM TO THE END!!!
Nic Cruz and Kingman Cole
Hi Nic and Hi all, funny I just received a phone call same as you an old debt from a credit card from 2004 that I owed 2500 but they are willing to settle for 1500 dollars, I called the bank in question, do not owe them anything, I did have a credit card with them, but all paid off, the credit reports show nothing aswell, they send me even a bill fro 1500 froom Kingman, and Funny that email was from Mr JENNINGS aswell...
What can I do to help you guys closed their company , they should not even be allowed to existe, and their website should not exist, I will do anything I can to help you all, let me know what I can do !!!! LEt's make them suffer !!!! and Audited, because some people probably paid too !!!!
Stephan
This is Guest Stephan,
I just created a account here, so I could keep up with this, I am having problems right now with them, so I can help to fight this crazy company !!!
Hi Stephan,
The first thing you should do is ask for debt validation (DV). You will find a sample of a DV letter if you visit the following link: http://www.creditmagic.org/repair/sampleletter-debtvalidation.html . Send the DV letter through certified mail with a return receipt requested. You must retain copies of the DV letter. Kingman Cole and Associates should validate the debt within 30 days after receiving your DV letter.
Also check whether the debt is within the Statute of Limitation (SOL) period. If the SOL period has expired, and you make any payment it will restart. But if the debt is within the SOL period and the collection agency is able to validate your debt, try for a debt settlement. Try to negotiate on a amount that is 40-60% less than the actual debt amount. You should request a written agreement from the CA, before making any payment. The agreement should state, that the debt account will be removed from your credit report, once you have made the payment.
The only thing is ........
There is no debt, I do not owe HSBC anything , I called them directly, this case was closed since 2004, Google Kingman Cole and see what happen it is crazy they try to scam the whole America, I was saying I can help to shut this comapny down, they are total SCAMMERS, they need to be stopped !!!! there is no debt to pay, they use the HSBC credit card I had 7 years ago, and it is paid, they have the Credit card number, but it was one number off, they tried to collect $1500 from me, I am going to do anything I can to stop their crap, so I need all the people against them to help me out !!!!, I will not give up I am a real Gemini !!!!
Kingman Cole and Associates
I have been trying to contact Kingman, Cole and Associates for three weeks now, to no avail. I have emailed and called. For three weeks, their main number has had a recording that says the person at such and such extention is not available. You are allowed to leave a message, but don't expect any one to call you back. In addition, I made arrangements with them to draft my checking account every month for a credit card debt they were handling. We agreed that they take the money from may account on the first of each month. They have taken it as early as the 29th, and as a result of them violating our agreement, I have been charged at least two overdraft fees. Now because of the inability to contact them, I have closed my checking account to stop the automatic drafts. Do not send these bloodsuckers a dime. Contact the company with whom you have a debt and ask to deal directly with them. My advice would be to stay away from Kingman Cole and Associates!
Kingman Cole
I received a letter from them, then came here and found out this company was a scam, they told me they would sue me aswell, I then after a visit to this website, never replied to them, and I never received anything after that, I think if you ignore them , they go to the next victim.....
Isnt it illegal?
@Gapeach
I thought it was illegal for someone to threaten to sue....
These same ppl called a friend of ours. I dont know how they got their number, but they called for my bro. Was releasing my bros info and saying my bro is about to go to jail bc they are gonna report it to the sherriffs dept. But I believe they have to be a secured creditor in order to fall into the category or hendering a secured creditor. Which they arent, bc my bro owes for overdrafting with a debit card and he didnt put anything up as collateral for the bank. HA! With this rude as* collector, he shouldnt expect sh** from my bro.