Messerli & Kramer P.A. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/08/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MN 554XX	Web
I am re-producing below a series of e-mail messages I sent to the Collection company / law firm ( XXXX XXXX XXXX, located in Minnesota ) : =================================================== [ E-MAILED XX/XX/XXXX ] XXXX, Once again, I renew my request that you and your Collection Law Firm approach the XXXX County District Court on your own Motion and vacate the judgment you recently got against me. I will not repeat the merits you and I know are behind that request ; I have already detailed them ( see prior correspondence in that regard, detailed below ). And no reason you have given me can justify your decision not to vacate the potentially financially-ruinous judgment, ESPECIALLY SINCE YOUR FIRM 'S ACTION OF FRUSTRATING MY ABILITY TO VACATE THE JUDGMENT WITHIN THE STATUTORY DEADLINE CAN LATER ( AND RIGHTLY ) BE VIEWED BY A COURT OR TRIBUNAL OF COMPETENT JURISDICTION AS A DELIBERATE ACT TO OBSTRUCT JUSTICE. If you still remain adamant not to vacate the judgment on your own Motion, despite the GLARING EQUITIES IN MY CASE ( AND WHICH I AM SURE YOU KNOW ), I will not only approach the XXXX County District Court to do so ( no matter how long that takes me ), I will also file complaints against your Collection Law Firm with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ) and the Minnesota State Consumer Protection Office, among other such entities ... =================================================== [ E-MAILED XX/XX/XXXX ] I hope this meets you well, XXXX. I write primarily to reiterate the request I made to you the last time we spoke on 'phone -- -just after your Collection agency / law firm enforced a judgment it obtained via a " Confession '' of Judgment and emptied out my bank account : that you approach the XXXX County District Court on your own Motion and vacate the judgment. I make that request mainly for the fact that the consequences HAS BEEN / WILL BE ONEROUS and totally out-of-sync with the amount of the debt your company seeks to enforce upon. Already, I have been denied the opportunity to RENT ( not even BUY! ) a home because the landlord said I have a judgment on my record. I also estimate that I will potentially lose thousands of dollars in potential credit offers and other financial opportunities should this judgment your firm obtained against me continues to sit on my public records. Even more, I also submit that your firm 's actions of CLEARING OUT the money from my account on XX/XX/XXXX, just four days before the statutory deadline of XX/XX/XXXX, under Minnesota law, that I had to file a Motion before the Court to ask that the judgment be vacated, EFFECTIVELY FRUSTRATED MY RIGHTS, GUARANTEED UNDER MINNESOTA LAW, TO VACATE THE JUDGMENT YOU GOT AGAINST ME. AND I AM CONFIDENT THAT HAD I BEEN ABLE TO FILE THAT MOTION BEFORE THE DEADLINE ( AS I HAD FULLY INTENDED, BEFORE YOUR FIRM 'S ACTION HAPPENED ), THE MOTION TO VACATE THE JUDGMENT WOULD HAVE SUCCEEDED, BASED ON THE EARLIER CORRESPONDENCE I SENT TO YOU. When I first broached this request to you about a month ago, you had responded that your client would be " burdened '' by it and had " nothing to gain from it '', implying that it would cost your client some money to do so. Although your firm effectively frustrated my getting relief in Court regarding the judgment ( see above ), I still reiterate my offer I made to you then to cover the cost, if any, of your approaching the Court on your own Motion to vacate the judgment. I further propose that such a cost be added onto the monies I still owe your firm, under current installment agreement we have ... =================================================== [ E-MAILED XX/XX/XXXX ] Dear XXXX XXXX and XXXX XXXX XXXX, I write regarding the Order and Judgment you recently got against me in XXXX XXXX XXXX XXXX ( see attached Exhibit 1 ), sequel to the Confession of Judgment / Stipulation of Settlement and Warrant of Attorney to Enter Judgment by Confession you also had me sign in XX/XX/XXXX. The Judgment is with regards to a consumer debt/credit facility I had secured with XXXX XXXX XXXX, which is a successor-in-interest to the original debtor. I was very surprised and disappointed that despite the very GOOD FAITH efforts I had made over the course of many months -- -even years -- -to satisfy my obligations regarding this debt, you/your Collection Law Firm went ahead to secure a COURT JUDGMENT against me. The facts, as represented in the same judgment you secured against me, speak for themselves : sequel to the XX/XX/XXXX Stipulation referenced above, I have paid close to {$3000.00} to your law firm in satisfaction of my obligation under this debt ; the outstanding amount, according to the same Order of Judgment is less than {$1500.00}, a far cry from the original amount. This period of the re-payments also coincided with the VERY WORST PERIOD of my life so far, which has included a very unfortunate separation ( in XX/XX/XXXX ) and subsequent divorce ( in XX/XX/XXXX ) from my wife of XXXX years, who is also the mother of my XXXX children ( see attached document regarding the divorce proceedings marked Exhibit 2 ). Despite the fact that the forced separation made me near-destitute ( in late XX/XX/XXXX ), especially financially, I made strenous efforts to keep up paying on the XXXX debt. I also made sure to keep in contact with your law firm staff regarding my payment, including XXXX, and later one XXXX ... In XX/XX/XXXX, I had contacted XXXX to make arrangements to make ongoing monthly, manual payments on the debt. Shortly after, due to the stress of the divorce and other unfortunate events, such as a medical XXXX I had due to the fact that I am a XXXX XXXX patient ( XXXX XXXX XXXX ; see attached document marked Exhibit 3 ) ... I subsequently made numerous attempts to contact XXXX then and continue the payments, as I am certain records your Office / law firm is mandated to keep will show. XXXX neither took my calls nor called me back. It was a few weeks later, when I received the Order of Judgment in the mail, that I realized why XXXX had conducted himself in that way towards me. After I called again and was able to speak with you, sometime in late XX/XX/XXXX, I respectfully requested that you approach the XXXX County District Court on your own Motion to vacate the Judgment, based on the circumstances I outlined above ( i.e. the good faith I had shown in re-paying the loan over the past few months / years and my personal crises, especially earlier this year ). You had responded that such a move on your / your Offices part would result in costs to your Client. I had then offered to bear those costs and that they could be factored into the outstanding debt in a new agreement before us. I also undertook that I would liquidate the entire outstanding debt under the new agreement within 6 to 8 months. You declined and said I should consider filing a Motion to vacate the judgment, under XXXX XXXX XXXX.. The deadline to do that, according to the attached Judgment Order, is in a few days ( Thursday, XX/XX/XXXX ). I wish to reiterate, at this point, that the Order and Judgment you recently secured against me is premised on a Confession of Judgment ; the latter is, at best a contract of adhesion which affords the creditor ( you / your office ) unequal power over the debtor ( me ). Your Office drafted the entire terms of the contract and simply ordered me to sign it, failing which you would have moved to secure a Judgment against me at that time. I had to sign that contract to avoid that unsavoury development and I was able to keep you at bay, so to speak, until you now invoked the provisions of this unequal contract and secured a judgment against me at the same time ; this is the same period I am struggling mightily to recover somewhat from the harsh financial consequences of a debilitating and unexpected divorce, including RE-BUILDING MY CREDIT, so I can once again qualify to even rent ( not buy ) a house! The Judgment you have secured against me and which you refuse to vacate on your Motion as I have repeatedly pleaded and requested will not help matters at all in this regard. Minnesota courts disfavor contracts of Confession of Judgments, such as the one that is the basis of the judgment you secured against me. The Minnesota Supreme Court, while recognizing the disadvantages to the debtor inherent in such contracts, mentioned in dicta that such contracts do infringe constitutionally-guaranteed rights of the debtor, such as one to a Fair Hearing, and that ... the burden of proving a valid waiver of constitutional due process rights should be on the creditor ... See XXXX v. XXXX XXXX XXXX XXXX ( XXXX ). In addition, according to initial research, I also believe that the Confession of Judgment / Stipulation of Settlement and Warrant of Attorney to Enter Judgment by Confession that is the basis of your recent action against me in XXXX County District Court has certain procedural deficiencies under Minnesota and federal law, especially the natural persons provision of debtors subject to such a contract. In addition, other research and counsel from consumer attorneys lead me to believe there may be violations of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692-1692p ; this might include the mandate that every debt collector under the FDCPA and any subsequent debt collector must send a validation notice ( s ) to a consumer ( XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. ) ( XX/XX/XXXX ) ) ; and the stricture that a failure or inability to itemize the amount due in an initial demand letter can state a claim under the FDCPA ( see XXXX v. XXXX XXXX XXXX, XXXX U.S. Dist. XXXX XXXX ( XXXX XXXX ) ( XX/XX/XXXX ) ) ; among others. I also believe there may be violations of Section 5 ( a ) and Regulation AA of the Federal Trade Commission ( FTC ) Act. In conclusion, I respectfully reiterate my request that you approach the XXXX County District Court, on your own Motion, to vacate the Judgment you / your Office recently secured against me. I also reiterate my offer to bear those costs associated with such a move on your part. Such costs, as I said, could be factored into the outstanding debt to be repaid by me in a new repayment agreement between us. I also undertake to liquidate the entire outstanding debt under the new agreement within 6 to 8 months. I hope to hear from you regarding this matter, at your earliest convenience. Regards.
05/17/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MN 55378	Web
On XXXX -2017, Mess erli & Kramer served me a " summons '' that they were suing me on behalf of XXXX XXXX XXXX ( XXXX ) XXXX The front page of the " summons '' and " complaint '' was actually where ( once a professional showed me where to look ) they told me I could dispute the debt. The " Summons '' and " Complaint '' t urn out to be fake. There is no court number and no court date. The fact they tried to scare me with that " summons '' overshadowed the rights notice that they included and left me thinking I had no rights. Any reasonable person would interpret that they are not still able to dispute the debt. Intentionally doing that is a clear and actionable violation of Section 1692g of the FDCPA. This is the first communication that I have ever received fr om Messerli & Kramer o n this debt. Last month on XXXX XXXX , 2017 I ha d sent XXXX XXXX ( the original creditor ) a request for verification, validation and documentation of the account they claimed that I owed them. I did not hear back, but instead they - exactly 30 days later - ha d Messerli & Kramer sue me with these un-registered papers. The basis for the claim Messerli & Kramer a s well as XXXX XXXX is lodging against me in this action is flat out wrong based on REPEATED ignored requests of validation made by me ( through original signature on contract originating a contractual relationship with XXXX XXXX as well a through a full and complete accounting of every transaction, balance and payment applied from XXXX to date as well as a comprehensive breakdown of what portion of the alleged debt is principal, interest, fees and when the fees were charged and what the fees consist of ). There is no basis whatsoever for the claim that XXXX XXXX had delivered goods, services, cash advances or balance transfers to me as they claim in your first. FURTHERMORE, there is no basis whatsoever for the claim of XXXX XXXX that I have an account with XXXX XXXX with an account number XXXX - as credit account numbers are numerical. This intential misrepresentation of the claimed account is actionable as a direct violation of my consumer rights. I deny the second claim that I am in default for failing to make the required payments on the charge account as - again - your XXXX XXXX had repeatedly failed to provide validation and documentation of such upon repeated request by me. Additionally, I have some concerns about the fact that the " summons '' sent to me was clearly robo-signed. This would lead someone reasonable to believe that this was not written by XXXX XXXX XXXX as the robo-sign says, but instead, from my vantage point, someone practicing law without a license. I have some concerns about the way in which Messerli & Kramer handled Dunning me and that the notice concerning my rights is clearly OVERSHADOWED by the 'summons '' that they have served upon me. Any reasonable person would interpret that they are not still able to dispute the debt. That is a clear and actionable violation of Section 1692g of the FDCPA as well as a potential ethics violation as well. Additionally, the " summons '' FAILED to disclose Plantiff 's costs and disbursements, per diem or any other readily available structured fees. I find this ethically questionable as those fees could be anything and if hidden, cause a reasonable person to not seek representation out of ignorance of the potential additional liability. I want Messerli & Kramer to face consequences for how they handled this whole situation and that they drop the situation as the claim has not any merit and should not be pursued. As I was interested in finding an amicable solution to this issue, was open to reasonable settlement proposals from Messerli & Kramer that will equitably settle this situation for both XXXX XXXX and I in which XXXX XXXX will no longer assert claim against me and in which I will not pursue claim agains t BOTH Messerli & Kramer AND XXXX XXXX XXXX . ( We did ca ll Messerli & Kramer in an attempt to find a reasonable solution and they said they can only do it at 90 % of the balance DESPITE the things that I can sue them for and am looking into my options on because of their legal infractions and violating of collection law ). Please help me in getting justice in this situation. XXXX
09/18/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	SD 577XX	Web	Servicemember
I have also filed complaint with south Dakota states attorney. This in regards to a debt collector that has been threatening to sue me for 6 plus months now, on a old debt they purchased from orgional owner. they have been sending me papers looking like court papers, but never furnish court date that I keep requesting. they just keep asking me to call them directly. I have responded to them via their email litigation address provided, and told them I would not discuss by phone, only by written ( email ) communication so that there was proof of discussion. they refuse to respond back thou they have received emails, they just send me another court looking paper requesting that I only call them. the last papers they sent, they called it a interrogatories and request for production, I did respond, again by email, which they received, then heard nothing back for a couple more months. now I received from them motion for summary judgement, with a case number, but again, no court date like I keep requesting. I contacted my local courthouse, they confirmed the file number, and informed me that I was supposed to actually have sent my previous reply directly to the court. I was not aware of this because the collection office told me to send to them. so now I 'm finding from court house that I may be to late to file my rebuttal and the collection agency can have judge sign their judgement at any time. made worse, is that in their motion for judgement now, they are claiming they have never heard from me, which they have, that they have no proof I ever made any payments to orgional debt, which I have, and they know it, as in previous letters, they have admitted to my payment amounts. they refuse to reply to my emails, yet got ahold of my wifes phone number and repeatedly call her number, which she is n't even on the debt, its only in my name. they never leave messages, just keep calling, even with being told I will only discuss by written form, not over the phone. the local court house was even surprised the collector has been dragging this out since XX/XX/XXXX. The collector orgionally sent me a settlement offer months before, around XX/XX/XXXX/XX/XX/XXXX time frame, of which somehow got tossed, I have repeatedly requested that same settlement offer, but they again refuse, saying only to call them. Ive repeatedly requested a payment plan with that orrgional offer, as finances are limited with a child to raise, and a wife who has is undergoing XXXX for a XXXX and can not work, again, ignored. ive been trying for over 6 months to work this out with them, and now fear they are going to back door me on a judgement that will cost me not only my credit score, of which is now in good standing because all my current bills are paid on time, but will also cost me ability to provide for my family if the whole amount of money is taken at once. I feel by ignoring me all this time in my atrempts to reach a settlement on this old debt, tyet constantly threating to sue me, and by calling my wifes phone many times, they are in fact harassing me. I feel as if I 'm in a losing situation now because they did n't tell the truth on who I was actually supposed to send my response back to, which leads them to be able to tell judge I did n't comply, and makes it appear that I 'm not trying, as well as lying to courts about payments I actually did make and that which they acknowledged, will cause a judgement default unfairly. I have looked this collector up online, and see this is a common practice for them, and its not fair. I do have the emails I sent them as well as attached copies of their papers requesting my response, but cant figure out how to attach to this, as well as I can take screen shots of my wifes caller id to show their name and the dates of them calling her. but seems I can only forward by email, as I cant seem to save to a file and attach to this complaint, but if you need them, I can email if provided a email address. thank you
01/17/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	MN 56601	Web
On Wednesday XX/XX/XXXX I called Messerli & Kramer to follow up on a settlement offer I submitted via their online portal. I had not received any return communication from the settlement offer I submitted and it had been about two weeks. I reached the after hours message line. I left a voicemail with my first and last name, why I was calling, and my return contact number. On Thursday XX/XX/XXXX, I missed a phone call from a representative with Messerli & Kramer named XXXX. The voicemail that she left cut in and out so I was not able to retrieve the phone number or the extension number she provided for me to return her call. I returned the call by contacting the number on the that XXXX had called my cell phone on which was XXXX. I told the representative that came on the phone line who I was, and that I was returning a phone call that I missed from XXXX. She took my information, and then put me on a brief hold. When she returned back on the line she informed me that XXXX was not available but that she would try to help me. She claimed to have pulled my file up and reviewed the notes. She stated to me that the settlement offer and payment plan I had submitted was not acceptable and would not be accepted from Messerli & Kramer. She stated that it was not acceptable because I was asking for a settlement offer that was only 50 % of the total amount of the debt and that Messerli & Kramer does not accept settlement offers that low, as well that my offer of {$42.00} a month was not acceptable. She continued to say that she needed to go over some information with me to determine what the lowest payment plan they would accept was, and that I needed to complete a financial form but that she would go over it with on the phone. She asked me questions in regards to how much income I got each month, how much my rent was, how much I pay monthly lumped together for utilities, auto insurance payments, car payments, how much was left on my auto loan, and lumped together for what I am paying in other debt repayment plans I am currently in. I was not prepared for these questions and I disclosed that to her and when I was trying to take my time figuring out accurate numbers for her she got upset and rushed me. She then asked me about my fiance 's income, which I feel should not be considered or even taken into account because we are not married. She placed me on a hold again to process the information I had provided her and came back on the line. She told me when she came back on the line that the lowest amount based on the information I had provided her that the lowest payment amount that Messerli & Kramer would accept on the file was $ XXXX/month. I tried to explain to her that there was no feasible way that I could afford $ XXXX/month and that I had attempted to set up a payment plan with XXXX XXXX XXXX the original debt holder via their online site to enter into a payment plan of 120 months which equaled out to {$33.00} a month but it must not have gone through when I submitted it online as the account had been transferred to Messerli & Kramer. She would not let me even get that full sentence out before she very rudely interrupted and started to talk over me clearly stating " We are not XXXX XXXX , Messerli & Kramer is a law firm, we do not have to offer you the same options they may have. '' I again tried to explain to her that I could not afford {$290.00} a month, that I am barely making it paycheck to paycheck as it is. She again proceeded to cut me off and talk over me saying " You can afford the {$290.00} a month based on the information you provided me, no payment has been made on this account since XX/XX/XXXX ''. She stated that if I did not pay the {$290.00} they would garnish my wages and take over {$500.00} of my check each paycheck until the debt was paid. That were also be added legal fees for taking it to court.
01/17/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	MN 55412	Web
I have been having hardship since my job of seven years closed down in XXXX and I lived in my home for 23 years I do not own it.I had a choice in paying my mortgage, I am still struggling to pay now.I 've been caught up now when finding temp job. I have a XXXX XXXX which frozen my payment because of my unemployment issues for 24 months. I am the sole owner of this card. Once my husband got injury and could n't work they frozen my payment again because he is my spouse because of my payment protection. He is not authorized user because I am the sole owner. My husband is now disable and get little money from Social Security. I have no income. When I last talk to XXXX XXXX company last year around XXXX, XXXX ask if I could send in a payment. My hardship I made a choice to live in my home with my family and kids. They place the card in collection. I thought it would just be listed as a bad debt on my credit report. I have been trying to find Stable full time work so I can pay my bills like I always have. It been hard for me to find full time work. getting to the story on Monday night XXXX, XXXX at between XXXX a little before XXXX there was a rang at the bill. My husband went to the door and a man was there. He asks for me and throw a letter inside of my inside mail box. This letter was not handed to my husband. My husband did n't retrieved the letter because he thought it was just advertisement or something. The next morning my daughter bought the letter to me and I read it. XXXX want to sue me this is a unsecured debt, there was no pay advance on this card. the last amount I know about was {$11000.00}. The last I talked with XXXX XXXX in XXXX, XXXX they raised the interest on the card to {$11000.00}. I had to send in a report from the Doctor about my husband XXXX for the account to be frozen and protected.Some how the paper was n't entered in their database on time. It made the amount go from {$11000.00} to {$11000.00}. I can not pay on this account because I do n't have income, I am having a hardship and trying to keep shelter for me and my family. The letter has a Summon with no court number listed or a seal. if I do n't give a answer he will take me to court and sue me for {$12000.00}. This attorney had me feeling like I was having a XXXX XXXX. I wish you can help me with this answer to this attorney that amount is not true, which they paid pennies on a dollar. I am willing to pay {$10.00} a month until I find a full time employment in my field of XXXX. I had a death in my family in XXXX and grieve for 2 years for this lost. I been trying to find work. My temps job last 1 to 3 months and do not pay enough for me to take on paying this credit cards. I have always pay my bills on time when my husband and i had job. it been hard and the only debt I have is credit cards this XXXX XXXX is harassing me at night, the attorney is running my credit report without my authorization, calling me when I said not to, coming to my house at night. I have 20 days to give him/She a answer. This summon has no date stamp on or listed in the body. ask Messrli and Kramer XXXX XXXX ( XXXX ) XXXX. Give me relief to find a real FT job. I am looking everyday. or set up a good faith payment of {$10.00} a month. Or just lists it as a bad debt on my credit report and let me take care of finding work and then make a arrangement later. once I find full time work with a payment plan. I have only XXXX other credit card they are listed as charge off now. I will make good faith when I find full time employment. Only the XXXX XXXX want to sue me. I read on your website about. Is there such a thing when Obama made credit card relief or a a bailout for the consumer who is experience hardship and can not pay the credit card debt. Please help me and send the letter this this attorney. Or to set up a payment plan
11/03/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	MN 55429	Web
I have attempted to contact XXXX XXXX XXXX regarding a debt they have placed for Collection with Messerli & Kramer. I contacted XXXX due to the Consumer XXXX of Rights : Article 2 : Hardship, listed on their company website. I felt my situation fit the description of hardship, so I contacted them to resolve my account under that provision. Upon reaching my main contact " XXXX '' ( XXXX XXXX XXXX Office ) I was informed that since my account had been placed with Messerli & Kramer, I would need to contact them for hardship. I got a call from XXXX XXXX at Messerli & Kramer and I informed him about the Bill of Right seeking to resolve my account. He stated I could submit anything I had, but he would tell the client I was refusing to pay. This call sent me into a XXXX. I contacted XXXX to explain that I was n't receiving and information regarding their policy, XXXX assured me that XXXX has a process for recalling account via hardship and that I would need to speak to them, but that she could send an email to investigate why I was n't receiving the hardship instructions. XXXX received an email back saying Messerli & Kramer instructed me to send in documentation of my hardship, but I had spoken to Supervisor XXXX XXXX ( Ext XXXX ), I had asked him explicitly if I needed to submit any documentation for hardship, he stated no. I recorded that call, which was not placed by me, but transferred from XXXX directly to XXXX, by a representative named XXXX. XXXX told me that what I really needed to do was provide documents to Messerli & Kramer, because they " ca n't not work any documents you provide ''. I called Messerli & Kramer after speaking with XXXX again, and left a voicemail XXXX for XXXX XXXX at Messerli & Kramer, desperately trying to find out if I do in fact need to submit documents, considering he had previously told me no and I have not received a call back as of yet. XXXX XXXX, and another representative from XXXX named XXXX, both informed me that there is a hearing set for XX/XX/XXXX in Conciliation court regarding this account, but XXXX has n't mentioned to me that I 've been sued. I was previously contacted by Messerli & Kramer on XX/XX/XXXX by XXXX XXXX who called to inform me that I owed a debt with XXXX with my ex husband, I was a coeditor, and that there is a judgement filed against me. She claimed she had spoken to my ex husband about payments and was now calling me to do the same. She stated that I could n't be found at the time of service and she would call back. XX/XX/XXXX I called to speak to XXXX XXXX and talked to XXXX XXXX. He stated I could no longer validate or dispute the debt since the time was past for those actions. He stated I have a judgment against me and I had no options to prove I owe this debt. XXXX/XXXX/XXXX I returned a call from XXXX XXXX. She stated that I owe this debt and when I asked what happens if I ca n't pay, she stated the attorneys will take legal action against me. I asked her what that might be and she stated she did n't know, it is up to the attorneys. Following these disturbing collection calls I went to the XXXX County office and pulled the court documents, I was curious why the judgment was n't showing on my credit report. The judgment that was obtained for the case clearly states that the judgement is for my ex husband " ONLY '' though I am listed at the top of the paperwork. I reached out to an attorney about this, but due to health issues I was n't able to pursue the case. I have not heard from Messerli & Kramer since regarding this debt.
03/29/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	WI 535XX	Web
Around XX/XX/XXXX I received a letter from XXXX regarding XXXX, naming " current creditor '' as XXXX Account Number XXXX in the amount of {$1700.00}. I knew there were alot of fake companies out there claiming consumers owe fake debt so I chose at the time to ignore it. Im sure I recieved many calls but I never answered unknown numbers. Around XX/XX/XXXX I received a debt collection letter from a company called XXXX. not sure what this was, so I got a copy of my credit report. I did not find this particular company on it but did see XXXX with different account numbers, and amounts. I have NEVER received any letter from XXXX. I have never signed a contract with them either, so again I ignored it. I did not receive anymore, to my knowledge, any letter concerning this alleged account. Approximately around XX/XX/XXXX I received a letter from my local courthouse that I was being sued by XX/XX/XXXX with a court date of XX/XX/XXXX. I never received any certified letter or any postal letter from the lawyer nor XXXX that I was being sued. I went to court and they did not show up so the judge according to local court rules he accepted my plea of contesting this friviolous lawsuit and set a hearing date to XX/XX/XXXX. They phoned in and another date has been set for XX/XX/XXXX. I made the statement in court th After spending countless hours researching my rights and wisconsin laws I realized that I could request documentation to validate the alleged debt. I faxed a request on XX/XX/XXXX ( attached ) to Messerli & Kramer PA, the lawyer for XXXX. That reqest included ALL charges from a XXXX balance to final amount so I could inspect if this account was valid. I also requested any and all documents including the original written contract I signed with XXXX and/or XXXX. In return I got a almost XXXX page discovery requests in the mail. It was very intimidating to say the least! After reading it over and over I feel the lawyer is trying to intimidate me into messing up my answers and also he is clearly telling me what I have to say and how to say it at that. I contacted a free legal service office in Wisconsin and she reviewed my case and offered advice but they could not take the case. Here is her response to the plaintiffs requests : A few observations about the paperwork you sent to me : - There is only a list of accounts for the last 'bill of sale. ' How does one know that your account was in the previous sales without a list of accounts or something similar? You should request those from the plaintiff by sending your own discovery list to the plaintiff. - The signatures on the bills of sale are not notarized, so they can not be taken as evidence without further affidavits or testimony from a company who knows of the sales. If you go to a hearing, you should point this out to the judge. - Look at the addresses on the 2 statements. They are different. Did you have mail go to those addresses at those times? - Bill of sale says " no warranties '' so they can not guarantee that the documents are correct by the seller so you should request statements that show how the plaintiff came to the amount due on the complaint. - The first bill of sale says that all accounts transferred from XXXX to XXXX " except for any interest of XXXX. '' So you should question if XXXX accounts were actually included in that transfer and sale. this has caused XXXX and XXXX on me and my family can validate this. I have filed a request for production at the courthouse as well on XX/XX/XXXX. Next court date is XX/XX/XXXX.
10/17/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 55378	Web
On XX/XX/2019 I received via standard mail a letter from Messerli & Kramer P.A . in my mailbox. The letter was a notification of a Garnishment Summons on behalf of their client XXXX XXXX sent to my employer XXXX XXXX. The letter indicated that it had been sent to me via certified mail ( which it hadn't ). Messerli & Kramer had previously served a Garnishment Summons on my employer in XX/XX/2019 for the same debt and collected {$590.00} on XXXX, {$1200.00} on XXXX and {$630.00} on XXXX. Fast forward to XX/XX/2019 and here they are AGAIN serving my employer for the same debt as they had previously done. This is clearly either an attempt to harass me and/or an attempt to generate fee income by not garnishing the full amount all at once and/or an attempt to cover incompetent work performed the first time they did this. Additionally, there was NO required notice of exemption included in this notification mailed to me. I have XXXX XXXX children and we are on a number of State and Federal programs that render my income exempt from garnishment. However I just found this out as - for the SECOND time - the required exemption notices were not included. So, the thousands of dollars that they garnished from me the last time causing me an extreme financial hardship I was legally exempt from and would have known as much if Messerli and Kramer had followed the law and included the required disclosures that time or this time. I had my husband call them today to ask about the garnishment. Messerli and Kramer admitted that the disclosures hadn't been included and sought a way to send them to us. They also admitted having been able to add additional fees to the balance from XXXX to now. They also admitted that over half of what they are attempting to collect this time is fees. My husband presented them with three scenarios - the first is that he would pay them the {$470.00} in remaining actual principal on the debt ( minus the fees ) and that they leave us alone and stop trying to cause issues for me with my employer by REPEATEDLY garnishing the same debt. The second was that he file the exemptions for the debt and that they never be able to collect - even if they extend their default judgment another 10 years as our children are very young. The third option was that he pursue all of our legal options and notify regulators about their illegal and harassing actions. They rejected the money and said to " do what you have to do ''. Their representative " XXXX '' then proclaimed he would be exercising his right not to talk since my husband had apparently " threatened legal action '' with his third option and then hung up on him. As Messerli and Kramer has violated the law and NEVER sent me the required exemption information - causing our family EXTREME financial hardship, as Messerli and Kramer has REPEATEDLY harassed me through jeopardizing my employment by REPEATEDLY serving notice to my employer and as Messerli and Kramer has intentionally broken up garnishment to generate more fee income, I request a formal inquiry into their practices and the maximum sanctions available to stop them from doing this to any more Minnesotans. Thank you for defending us victims of predatory companies such as Messerli and Kramer who count on us not standing up for ourselves. Sincerely, XXXX XXXX
10/15/2015	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	MN 55447	Web
In XXXX, XXXX I was laid off and went on unemployment for nearly 9 months. My son XXXX in XXXX XXXX and as the sole provider I was unable to keep up with my financial obligations. I sought assistance with my creditors to keep my accounts in good standing. Many were helpful, some were not. Creditors that were not helpful sent my accounts into collections. Hence, this request for assistance with Messerli Kramer who is the representing attorney for XXXX XXXX. Once I found stable employment and got back on my feet I made every attempt to pay back all monies owed as it was debt that I incurred. Since XXXX XXXX, I made several attempts to reach a settlement with Messerli Kramer. I received many phone calls on my cell phone during the day at work which I could not answer. When I was able to speak with someone they stated they were an attorney in the collection department and were rude, insistent on immediate payment demanding of personal information such as finances and place of employment when I stated that I could not make immediate payment. I refused to give the information for 2 reasons, 1 ) it 's irrelevant/not their business and 2 ) I was fearful they would attempt to contact my employer. When I went to look up the individual that I spoke to I realized was not in fact an attorney. When I called back to discuss my account I asked him directly if he was an attorney, to which he promptly state, " No, and I never said I was. " I made offers to settle on their website which they stated they did not receive. When I submitted in writing their response was that their client " XXXX '' refused the offer which I believe is false based on the fact that XXXX XXXX offered me a settlement on another debt I owed that was 60 % of the original debt. Which I accepted. They aggressively pursued me by phone instead of in writing as requested, which I felt was an attempt to intimidate a deceive me. They threatened legal action every time. I stated I wanted to avoid that and resolve this. I upped my settlement offers and every time I did they upped theirs. They refused all payment terms I presented. I feel Messerli Kramer is now skirting the line if not crossing it. On XXXX XXXX, XXXX, 1 year later, I received a letter from the XXXX Court that a judge has been assigned my case. I was unaware that a suit had even been filed. I 'm now concerned that Messerli Kramer is attempting to seek a default judgement against me and will in turn garnish my wages and levy my bank accounts which will threaten my financial situation. I understand that they may or may not have done anything illegal but it is most certainly unethical in every sense. I 'm not attempting to get out of paying any debt I owe. I 've made fair and reasonable attempts to resolve this debt. Messerli Kramer, who represents XXXX XXXX has refused any and all offers and payment schedules. They are forcing me to pay what is now an even higher amount in full or go to court. I 'm uncertain why they refuse to work with me and I 'm seeking your assistance to resolve this as I feel they are forcing me into court or have already begun summary judgement proceedings.
04/07/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NE 685XX	Web
On XX/XX/XXXX I called XXXX XXXX XXXX in order to pay a debt that had been mailed to me numerous times. The amount i was willing to pay was the exact amount that was owed. When I called XXXX XXXX XXXX they referred me to XXXX and XXXX, as they had purchased the debt. I then called XXXX and XXXX and agreed to pay the debt of {$640.00}. During my call, which was recorded, we came to an agreement that I would pay monthly for a price of {$110.00}. While on the call they told me there was a processing fee of {$47.00}. I agreed to that and gave them my banking account information to have automatic withdrawals. They notified me I will have paperwork mailed to me in order to sign so the payments can be made. On XX/XX/XXXX, I was notified that I had a XXXX XXXX trying to deliver a court summons to me. Upon delivery, I learned that is was from XXXX and XXXX, regarding the XXXX XXXX XXXX debt I agreed to pay the day before. I then proceeded to call XXXX and XXXX to find out why I was being served this summons. They told me that it was because I owed the debt and they had filed a summons on XX/XX/XXXX in the XXXX courts. While speaking with XXXX and XXXX, I ask them why they did not inform me of this action with the courts when I was settling my debt on the phone the previous day. They responded that they assumed I had been served which is why I was calling to settle my debt. I was then told that they were not obligated to tell me. I told them that it was deceptive business practices for them to know that a summons was being sent to me via a constable, but not notify me when I was calling to settle my debt the day before. I informed them that they lied to me when I was making arrangements in good faith. Their response to me was that they didn't need to tell me. If I felt slighted, that they apologise. Being that this is a legal court document that was served to me, that is not acceptable. Upon further discussion, I informed them that I would like a copy of the phone call I made and the file which contained my information, which was in regards to XXXX XXXX and XXXX XXXX. This request was not acknowledged. I passed me off to a higher level manager who was very XXXX and did not wish to help me resolve my issues of removing the court summons from XXXX XXXX courts. When I asked if even if I am still going to have to go to court over this issue, even though I set up payment plans, inwas told that it wouldn't be removed from the courts. This is deceptive, if not illegal. I will be seeing a lawyer about this.
02/28/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 554XX	Web	Servicemember
I am currently a resident of the State of XXXX .. I arrived in XX/XX/XXXX in the State of XXXX where I entered from my country XXXX XXXX for the year XX/XX/XXXX. I decided to move to be close to my older children and their family. But to help him with his family .. I was going to join the United States XXXX from there we decided to stay since XX/XX/XXXX in XXXX. Approximately two years ago I started receiving collections from the Messerli & Kramer PA Collection on a debt with XXXX XXXX XXXX. I did not know what it was and decided to call him. To my surprise a large amount that I did not borrow from that Bank. If I informed them that it was my Bank when I lived in XXXX and that was where I received my direct deposit where I worked in XXXX. I think that I failed to close that account because the time passed and they started on money orders for account maintenance. months until they found me. And I did not know about that .. So I tried to express it and it was traumatic threatening their communication .. I had never lived something so even my little children panicked we lived in the process of adapting to a change ... that arrives XX/XX/XXXX I do not have life of threatening letters and in a difficult situation .. Arriving at a new place starting from Zero and you are person that with his Threat I got totally out of control .. I decide two years ago to make a payment plan without economic power as required Obligated accept your terms offered me to be the impossible to try to cover that debt .. But I can not continue many expenses and an economic inetainability muer you a relative in country. And among others like the current condition of my daughter that stopped me from continuing to work continuously. To try to free myself from those people. My interest was never negative when it was not my intention caused to fall into that Debt. I've been with these people for some time threatening through letters I can not anymore. I am not working they are asking for federal state x 3 years which I can supply. Where the little that the State worked last year I remove it for payment of medical bills that I could not pay .. I do not understand its way of understanding before my situation. I have been doing this for a long time and that is why I appeal to you. Let 's see how they help. Thank you.
08/29/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MN 553XX	Web	Older American, Servicemember
In XXXX of XXXX I realized that my bank account had been garnished by Messerli & Kramer for approx. {$260.00}. Shortly after that I received two letters from XXXX XXXX. One stating that my account was set to be garnished altho the garnishment had already happened and then later one stating that it was illegal for them to garnish this account as the deposits were from my Social Security and VA benefits. At this time I reached out to XXXX XXXX XXXX to see what was going on and if they would settle the account for {$1200.00}. They informed me that a settlement would not be allowed and that I would need to pay the balance in full. They also stated that the account would continue to accrue interest at 4 % per month and that I could not stop them from taking it out of my bank account. Currently I am attempting to refinance my home so that I can lower my payments and make my home affordable to live in. During the process of the refinance my lender informed me that there is a judgement from XXXX XXXX XXXX that is preventing me from being able to close on my loan. The processor working with my lender began to reach out to XXXX to get payoff information. After weeks of calling in and not reaching anyone at XXXX she finally got a call back. They informed her that Messerli & Kramer are now handling the account and provided the processor with thier contact information. When she called in to to Messerli & Kramer the collector ( XXXX ) began to provide tons of my non-public personal information to her without my consent. I never signed or authorized them to release this information and according to my processor the information was given at will. My loan officer then called me on a three way with Messerli & Kramer to see if he could assist me with working out some sort of debt settlement. At that time the collections agent ( XXXX ) still did not ask my permission before divulging my personal information. This is a violation of my privacy. They pulled funds from my bank account that fall under the exempt rule when garnishing a bank account. I am a retired XXXX Vet that is on SSI and receiving social security. I explained this to the collection agency that I needed to be refunded the exempt funds but they refused to do so. I would like to be refunded the fee garnished from my bank account
02/06/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MN 554XX	Web
My wages was garnished by a company called XXXX XXXX XXXX first back in XXXX I contracted the company on the behalf of the garnishment at that time I was informed that they have no record of me or an account showing I owe a balance. I checked my credit report and disputed the item and the item was removed per company could not provide documentation proving that I am the debt owner. As I check report the the debt is in a different name. I continued to contact company from XXXX in regards to the funds stolen from my wages as I am a single mother of 4 that can not afford to have a mixup like this. The company provided no help in getting me my funds back. As I contacted my payroll department they informed me that Messerli and Kramer is who I need to speak to. I have never heard of this company I have tried to contact the company but no XXXX they just was trying to get my personal information which also put up a red flag. So now that the item was removed from my report per lack of proof and also never receiving any documentation advising of the garnishment I have tried to contact different agencies to help with the fraud this company is doing. Recently my wages was garnished again by the same company after 4 yrs and I tried to contact XXXX XXXX XXXX again but now the company no longer exist I am connected with another company which again I am informed that they have no record of me having an account nor owing any funds. I have requested proof of debt owing from company which does not provide proof of my address only but actual proof of me being the debtor which they could not provide. XXXX XXXX XXXX are no longer on my credit report but I was informed that there is a judgment which is not in my name but attached to my SSN. XXXX XXXX XXXX removed there inquiring in XXXX which is when the garnishment first started but some way Messerli and Kramer is collecting on an account that does not belong to me and refuse to provide proof. I have requested for this to stop per I have never received any legal court documents from Messerli and Kramer. I was only aware of this issue per the garnishment and my payroll department informing me of the company requesting and taking my funds.
06/19/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MN 55016	Web
Please note this complaint was also filed with the XXXX XXXX XXXX XXXX. I previously settled a debt in full which was being collected by Messerli Kramer law office. Several days after they were paid in full and received a letter of stipulation, I began receiving repeated phone calls from their office which I did not answer or return. I assumed they had not updated their systems and were continuing to ( illegally ) attempt to collect a settled account. On XX/XX/2019 at XXXX XXXX CST I received another call from their office from phone number XXXX and a voicemail message was left. I listened to the message which was from an XXXX XXXX ( spelling? ) who stated in the message that the message was intended for a XXXX LAST NAME REDACTED ( spelling? ) and further stated this is an attempt by a debt collector to collect a debt. A short time later I contacted the office and asked to speak to a supervisor. After a rude individual repeteadly demanded my personal information, which I refused to give, I was connected to a supervisor named XXXX. I communicated the concern to him and he indicated he would update their system to remove my number from the account they were attempting to collect from XXXX ( XXXX ) I have multiple concerns here, one being the disregard for the Fair Debt Collection Practices Act as it relates to the prohibition of third party disclosure as occurred in the voicemail message. Next my concern is the repeated calls. Finally, my concern is for the disclosure of my own information. As someone who previously paid a debt to this agency, I can not help but wonder how many times they called a wrong number and disclosed my name and information to a 3rd party? How many other debtors information has been disclosed to other 3rd parties as well? There appears to be a common practice by this agency which violates the FDCPA. I can not imagine that this is the first such complaint about this agency and I strongly encourage you to follow up on this matter. This is precisely what regulatory agencies like the XXXX XXXX XXXX are charged with investigating and addressing. Please note that I will be cross-filing this complaint with the Federal regulatory agency as well.
10/29/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NE 68164	Web
This account has been charged off by the original debtor. It is way past the statute of limitations. It has been sold various times over and over to debt collectors. Ive been a victim of harassment for over 11yrs. Since XXXX or longer Ive had wages and bank accounts garnished with no detailed proof that the debt is actually that of mine. Ive requested to see a print out or statement from the original creditor showing a detailed breakdown of every charge. A fradulent debt from years ago has now turned into this massive debt. I have no idea what I am paying for or how theyve reached the sum of over {$16000.00}. To this day, I have no proof of how the debt was created and again that the debt is actually that of mine. Years ago I explained to the credit card company charges were not mine. The credit card company agreed to look into it. I didnt realize fraudulent charges were made on this card in my name till months later. Unlike today you get a fraud alert immediately. Years ago this did not exist. Back then I was younger, inexperienced and had no money. I didnt know how to fight it or stop it. To this very day, the fraud continues to haunt and plague me. It is like a curse. I spoke with an attorney representing the firm in XX/XX/XXXX explaining that I had been a victim of fraud. He told me to take some time gather whatever info I can get and send it to him. It took sometime to gather all the information again after several years had passed. Some documents I had to send for others were in storage. In XX/XX/XXXX, I sent a huge packet of information, police report and other documents indicating stolen identity, forgery and fraud. They never once by mail or phone, even as a courtesy acknowledged that they received the information, would look into it, try to work with me and help clear my name. Nothing in a caring or consoling nature. But instead, by their actions they've proved to be the predatory debt collector who prey on the innocent. They sent me another garnishment letter. How insensitive! I feel like the fugitive, accused of a crime not committed. Will you please help me end this?
12/01/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 551XX	Web
The law firm of Messerli & Kramer has, over the past 18 years, captured my money several times for a debt they allege, but has not proved, I created in XXXX. In XXXX, Messerli & Kramer law firm, acting on behalf of XXXX XXXX XXXX, apparently obtained a judgment against me, without providing me notice, for this account they alleged I opened in XXXX. This same year, the law firm acting on behalf of the debt collection agency then captured an account for this debt ; one of which, I shared with my parents. I was on the account due to them both being ill and unable to care for their financial affairs. I sought help in XXXX, from the Minnesota Attorney Generals office, which resulted in Messerli & Kramer/ XXXX XXXX XXXX returning the money to my parents account. Because of lack of knowledge on laws about debt collection, getting my parents money returned was the only action I took. For a second time, in XXXX, the law firm of Messerli & Kramer captured my bank account that was set up in my name. They took close to {$800.00} which were both my wages and school loan money ; at the time, the law firms actions put my family in dire financial hardship. As a result, my family had to find monies to get basic needs and other daily living items to continue to move forward. Again, I sought assistance from the MN Attorney General office. While I worked on providing Messerli & Kramer with proof of my familys financial situations, the MN AG office assisted me by writing a letter to the law firm on my behalf requesting information about the debt. The agencys response was not expected because they could not provide the original application ; nor, did the law firm provide any solid evidence that this debt belonged to me. I am tired of being frighten about the next time this big law firm decides it can capture my limited financial means. I can barely afford to take care of my family and I certainly can/do not want to continue to pay for a debt that is not mine.
05/11/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MN 565XX	Web
There is a previous complaint about this company from me. I am writing because my parent 's savings account was levied by Messerli & Kramer. The bank got their notice on XXXX XXXX, mine was n't mailed until XXXX XXXX. I received the paperwork on XXXX XXXX, and the money was already removed before I had the chance to file an exemption. I also filed an exemption with this company on XXXX XXXX, 2015. The savings account that was levied only has my name on it in case something should happen to my parents. We are clearing that end up at the bank, but the fact remains that I was NOT allowed proper time to file my exemption with them before they sent the form to the bank. This happened once before, years ago, and I did file a complaint. I have been making my payments. They claim they did not receive the XXXX payment, and I know the first XXXX payment did n't make it through the bank so I immediately re-issued the payment and then continued on in XXXX. Their amounts do not reflect the proper amount owed on the account. I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!! I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else. Thank you so much for your time!
05/08/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MN 55372	Web	Servicemember
Messerli & Kraimer is using intimidation tactics insisting on me paying the full amount of around {$3500.00} debt when I have disputed the amount. The original creditor was XXXX XXXX for an XXXX account, and the dispute was in regards to a defective {$840.00} product that XXXX refused to return, while XXXX XXXX kept piling up {$450.00} finance charges each month. 1. They sent me a letter that I'm being sued and when I called them to explain why i am disputing the amount, and offered to settle for an amount equal to the value of the defective product even though i have no use for it. I asked for a letter that the collection entry will be deleted from my credit report and the status reflecting somewhat a positive status, they sent me back to XXXX XXXX stating the don't have that authority. 2. When i called XXXX XXXX asking for the same thing, they sent me back to Messerli & Kramer stating the account is no longer in their hands. 3. I submitted an offer to Messerli * Kramer on XX/XX/XXXX at their mkbillpay portal for settlement of debt 4. I received a letter dated XX/XX/XXXX which arrived at my residence XX/XX/XXXX from Messerli & Kramer stating i have two weeks to respond before they start a discovery and file in court. 5. I responded XX/XX/XXXX explaining all of the above. That i have not heard back regarding my offer to settle the debt and that i need to know who has the authority to provide me a letter stating how my credit reporting will be reflected once we settle this debt. I notified them that I have submitted a complaint with this Bureau. I know they will continue their intimidation tactics going for what they perceive as the full amount. I am stuck between XXXX XXXX & Messerli- Kramer . I have in good faith offered to pay for the original value of the product even though it was defective in return for a positive credit reporting. What can be done to resolve this?
11/26/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	ND 584XX	Web	Older American, Servicemember
XXXX XXXX has Messerli/Kramer out of XXXX Mn handling the collection. The lawyers from day one have lied and been underhanded about the debt. When they first called they said they had to verify it was me and needed my birthday and ssn when I asked what this was about they said they couldnt tell me unless I verified myself. I told them I dont give out that information without knowing what it is about. They said well maybe we have money to give to you. I hung up on them. Then they had me served with papers to go to court. I had 21 days to get a hold of them which I had and was trying to reach a agreement. But they went to the judge and told him that I ignored them and the judge was going to garnish my wages. I wrote to the judge to tell him how they were handling things and he gave me a day in court. We reached a settlement of {$65.00} a month till paid. That was a few months ago now I get a phone call and they said I told them I would pay in full at 6 months. I told them that I did not say any such thing. When we reached the settlement I was told that the account was closed and that I would pay until paid in full. I was under the impression that the account would not be collecting any more interest either because I closed a few other accounts and they stopped charging interest. These people are still charging me interest and I am never going to be able to pay it all back because every month it is going higher. The bill now is higher than when we closed the account! I tried calling them and they said that they didnt have the authorization to do anything about it. I asked if they could talk to the people that do and they said no and that was that. I told them that I might have to file bankruptcy if I cant get it paid off and they said oh well. They are rude and deceptive.
12/27/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 55311	Web
Back in XX/XX/XXXX my credit card account was closed by XXXX XXXX XXXX and given to Messerli & Kramer, P.A which is a debt collection agency and not a law firm which they have always started when ever they called me. Messerli and Kramer started making collection calls as early as XXXX and back to back phone calls. I was threaten by Messerli & Kramer, P.A after I asked them to stop calling me but they still kept on calling me and threatened me with garnishment, levy my bank accounts, and even sent letters to my current employer informing them of the debt which they claim that they have the right to do. I originally dispute the debt with Messerli and Kramer but I got nothing in the mail concerning my disputes and to my surprised they fraudulent went and sued me simply because I disputed the debt amount. On XX/XX/XXXX at XXXX I did received a phone call from XXXX XXXX XXXX apologizing about Messerli and Kramer violation of the fair debt collection practice cause I did filed a complaint with XXXX XXXX. I did filed a complaint with Minnesota attorney general office as well but the office have limited power and back in XX/XX/XXXX Messerli & Kramer was sued by the state of Minnesota Attorney general office for the same harassment static. As of XX/XX/XXXX there's a lots of lawsuits that was won against Messerli & Kramer for the said violation and there are some on going lawsuits in the state of Wisconsin circuit court in the city of XXXX, case # XXXX. This collection agency have try to avoid been fair by garnishing consumers paychecks without properly notify them of their rights or validating debts. They're quick to sued and my wife was a Victim of there fraudulent suing. please stop this company from violating the fair debt act.
07/10/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	SD 57104	Web
A few years ago Ms. XXXX garnished my wages for a company she said I owed money to. She never took into account my XXXX kids or bills I had to pay, I was left with half my paycheck. Now she has contacted me in regards to another company she said I owe, I have told her this has been paid in full. She submitted documentation showing payments made from as XXXX XXXX account that I never had. Then there was a payment attached months down the road for {$500.00} from my account at XXXX XXXX XXXX. That {$500.00} was to pay my account in full, I never got another bill or a phone call, then about a year later I get severed from Ms XXXX saying I owed money, I went to the court and notified them that this was not my charge. I never got a court date, the next time I heard from the courts was saying that my wages would be garnished. I just got a letter from my employers saying I would have 20 % of my wages garnished. I have XXXX kids and only take home about {$900.00} every two weeks, I have not idea how I am going to feed my kids or pay my bills. I feel Ms XXXX is just taking advantage of me because she knows I can't hire an attorney, I am a single mother, and I was an easy target before. I also find it very interesting that both times she has done this it has been around the XXXX Holiday, this is two different years that she has disrupted my holiday. I hope that she doesn't do this again. My credit has been mixed up for years because I have had other peoples debts showing up on my history. Once I had a bankruptcy showing up and I have never filed bankruptcy, I am tired of always trying to defend myself from things I did not do. Is there anything that can be done to help. I never got a court date, I was told I owed and that was that.
07/06/2018	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	WI 53402	Web
For months Messerli & Kramer have been harassing me over the phone demanding I settle debt with a XXXX XXXXXXXX XXXX XXXX card. They were not able to listen or work with me on the debt considering I had fraudulent activity on my Debt card around that time frame I questioned the debt and ignored their advances and told them to leave me alone. Around late XX/XX/2018 I received a summons from Messerli & Kramer at the late hours of the night from someone who insisted that it was a court matter where I had to appear or file for an answer. I then contacted Messerli & Kramer asking for signed documentation of the agreement that I had with XXXX XXXX XXXX XXXX which was not provided. I asked for signed verification of transactions from the dates in question for transactions I did not recognized which was not provided. I did happen to receive generic documentation with a debt owed and a rundown of the transactions without signed verification including a header stating that Messerli and Kramer were Attourneys at Law NOT debt collectors ( I can prove this as well and will attach ). I provided this same documentation in an answer to the circuit small claims court along with a counterclaim request about the repeated violations of the The Fair Debt Collection Practices Act but my counterclaim was denied as well judgement ruled against me which leads me to file my complaint here. Attachment of Article 1 : Documentation provided by Messerli and Kramer and Example of XXXX transactions from XX/XX/XXXX that I don't recognize and no signature verification provided Attachment of Article 4 : As you can see from the Header they are representing themselves Attorneys at Law instead of Debt Collectors
09/29/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 55434	Web
XXXX XXXX / XXXX RE : XXXX XXXX XXXX XXXX XXXX Our File No. : XXXX CFPB Case No. : XXXX Ive also received credit report and noticed a violation. Account number : XXXX I sent your company a debt validation letter. I then had a copy of my credit report pulled and noticed that your company did not mark my validation request as being in dispute. From my understanding, this is a violation of XXXX and it carries a fine of {$1000.00} per violation. Let me remind you that this is a statutory violation and it does not require me to prove damages. I can just simply hire a consumer rights attorney to bring suit for your violation. XXXX received a copy of a debt validation letter in XX/XX/2023 via certified mail. Your company and XXXX have violated the law. Im willing to settle this matter in the following way : ( 1 ). You agree to remove the inaccurate account from my credit within five days of signing this letter. ( 2 ). You also agree not to sell or try to collect this debt in the future. ( 3 ) .You also agree to not report any portion of this debt to the credit bureaus or any third party. ( 4 ). You agree to pay me {$500.00} for violating the FDCPA. If you agree to the above terms, please sign and date and mail me the check and a deletion letter to the address listed above. If you choose to ignore this letter, I will be exploring all legal options on this matter. ( 5 ) You agree to return the funds that were garnished and unauthorized to the bank account. If this goes unresolved I will be hiring an attorney to sue for damages against these violations to the fullest extent. XXXX XXXX XXXX, XXXX
04/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MN 55104	Web
RE : Illegal Credit Practice Complaint Name of XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Case Number : # XXXX Tell # XXXX To Whom It May Concern : The original contract of the amount of finance with XXXX XXXX was {$3300.00}, with a down payment of {$500.00}, cash, and {$1000.00} with a check and a TOTAL OF XXXX. Please see attached. Payments were made with XXXX XXXX 's personal checks from XXXX XXXX personal checking account. The remaining balance should be {$3300.00}, with 42 months of free Financing to pay without interest, because its against my religious obligations. They agreed with me and my monthly payment was {$80.00} per month for 42months, I paid 2 years, and then the county get a recession, and XXXX XXXX and XXXX break up the contract agreement, I still was paying until XXXX asks me to pay back all the interest for the last two years, which I refused to do so, I contacted XXXX XXXX XXXX and their documentation does not go back 10 years to provide canceled checks. See attached letter from XXXX XXXX. XXXX and XXXX XXXX are no longer one company and XXXX has debt collection garnishing funds at the full price of the original purchase contract from the co-signer XXXX XXXX. Last year they garnished approximately {$4000.00} from XXXX XXXX, and we had to go to court and overturn the action this has now happened again recently, and again, they took XXXX, out of his account, and they are going after his job to collect his wage but he doesnt have a job now. How can we correct this error and stop this from happening repeatedly? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/13/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77479	Web
Mersal and Kramar ( Minnesota ) Sued me while I informed I was in Texas after winning the law suite the they garnished my account for XXXX XX/XX/2019 dollars. They were aware that in Texas they are required to be bonded by the Secretary of State I have asked to turn the account over to original owner XXXX XXXX but continue to send letters to my attorney after I provide my address on phone to them. why are refusing to call me to write letters when I gave my Texas address. This took place today XX/XX/2019. When capital calls they keep saying my attorney I do not have one he has given permission for me to speak to them I have capital one remove information. I frustrate feel victimized by the games played here. How can company collect in Texas while they are not bonded also I received letters from court while this case was going in Texas proof that I live here. Please find this company they are abusing consumers like me I am asking for justice if there is fine I need them fine if you need proof I will supply. I make clear on the phone here that they must resume communication with me and stop playing oh he has lawyer game. Please Are third-party debt collectors and credit bureaus required to register with the secretary of state? No, but third-party debt collectors and credit bureaus are required to file a {$10000.00} surety bond with the secretary of state before engaging in debt collection. Tex. Fin. Code. 392.101. The bond must be in favor of the State of Texas for the benefit of any person damaged by any violation of Chapter 392, Finance Code. Id.
01/06/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	MN 551XX	Web
A few weeks ago, I noticed on my bank statement that there was a {$1200.00} withdrawal that neither my wife, nor myself had made. I checked with the bank and found out that they had paid funds out of our account as the result of a lien they received from Messerli & Kramer. Not knowing who or what Messerli & Kramer was, I contacted them via phone and electronic messaging ( web site ) to ascertain what this was about. They did not returned either message. I asked the bank if it was standard procedure that an entity can access one 's bank accounts without notifying that individual. They stated that we should have received notices from Messerli & Kramer before the lien was filed. I had not received any. I asked my wife if she did, and she said she had received XXXX or XXXX letters, but did not know what it was for ( was not aware of any unpaid and overdue debits ), and disposed of them, thinking it was a scam. As I did not hear back from Messerli & Kramer, I went to their XXXX, MN location ( I was told from their XXXX XXXX XXXX, collections where handled there ). When I was there they shared what the background was pursuant to this issue. My questions are : Is this standard procedure for a collection agency ( law firm )? How is a business like this able to access information on our bank accounts and gain access to them. Finally, I discovered when I visited their office that this was a court imposed lien. How is any court action able to happen without notification of a respondent?
02/09/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WI 53216	Web
I received a letter from Messerli & Kramer PA threatening to garnish my wages based upon a default judgement that was obtained in XXXX. The judgement derived from a time barred credit card debt. I reside in the state of Wisconsin. The statue of limitation regarding a open account or credit card debt is 6 years. The debt in question became in default was in XXXX. In which at that time the balance of the debt was alittle over XXXX. Messerli and Kramer pursued legal action against me in XXXX. 2 years after the statue of limitation. I wasn't made aware of the date and time of the proceedings. It just appears that I just didn't show up. I didn't know anything about this. I wasn't given the opportunity to even dispute the validity of the debt or even the true ownership of the debt? I am not even sure XXXX XXXX or even this law office purchased this debt from the original owners. Also, Messerli and Kramer PA submitted an amount of XXXX, XXXX as the amount discharged which is absolutely incorrect. In which this law firm has misrepresented the amount of the debt. I am a XXXX XXXX XXXX senior citizen and I feel like I have been a victim of a scam. I am requesting assistance in remediating this issue. I am disputing the validity of this debt. Besides the letter I received last week, I have no other documentation. I had my daughter search the Wisconsin XXXX XXXX XXXX XXXX website in order for me to obtain any information but no documentation.
01/01/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	WI 54115	Web
I have a case with Messerli and Kramer. According to the online court record, they tried to send me letter/correspondence on XX/XX/XXXX. I did receive information that they wanted to communicate with me electronically. However, I could not access their request due to a name change. The letter specifically stated that if I did not accept the electronic request, they would continue to communicate with me via mail. I could not and did not accept the electronic request. I did not receive any further communication from this company. Last week I got notification from my employer that they were required to begin withholding my wages. I had to go on to the WI Court website to locate the response form, as my wages are exempt from garnishment. I was not notified by the creditor of the garnishment or given the proper time frame or documentation by them to file my response. WI state law requires that they notify both me AND the employer. They only notified the employer. They also updated my address on XX/XX/XXXX, per the WI court reporting website, to an address I have not lived at until XX/XX/XXXX, which is stopping me from getting proper mailed documents, if any were sent, which according to the court file, none were. I did call in XX/XX/XXXX and left them a message in reference to stopping communications with me at work. After that, it feels that their debt collection practices became almost retaliatory in nature.
08/14/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MN 55446	Web
Messerli & Kramer PA sent a guy to my parents home where I do not live to give me papers that said Im being sued by my old credit union for a car that had and it was repossessed. The issue is I spoke to my old credit union XXXX XXXX and was advised that they dont sue for a car that was repossessed. The car was given to my brother who ran into a financial crisis and couldnt pay the note by the time I got ready to take back over the note it was to late. Messerli & Kramer PA never sent me a notice saying the account was with their office. The only I received was from XXXX XXXX after the car was sold at the auction advising me of what was left over. This car was repossessed in 2015 and now Im getting a notice from this agency saying XXXX XXXX is suing me. My parents were very upset that this random man showed up to their home looking for me and then the papers he had werent sealed in an envelope they were paper clipped together out in the open for anybody to see my personal business. I wrote Messerli & Kramer PA a letter advising that I cant afford the now XXXX dollars that they say owe when the balance per XXXX XXXX is only XXXX dollars. Ive been working with my brother seeing how much he can afford to pay towards this so that I can get this resolved. Im currently in a financial situation myself and there is no way I can afford XXXX plus being told that Im going to be sued.
03/30/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WI 53227	Web
Messerli and Kramer in XXXX, Minnesota are trying to sue me for a possible old debt which I do not remember. They claim it is a credit card and the bill is in my old last name, a name I haven't had since my divorce over 13 years ago. I do not even remember this and do not even know if the amount is valid. They keep updating the date as if it is a new debt, raising the cost of it and threatening me to sue me at each new job I get. I was on XXXX XXXX due to raising XXXX kids myself and now finally off it but my take home pay is small due to health insurance. I have been a single mom these past XXXX years. I called the company they are choosing to represent them ( Messerli and Kramer in XXXX Minnesota a year or two ago for evidence that this is a true amount. I don't remember borrowing or even qualifying for a XXXX XXXXredit card as my credit rating was low I stated that I need some statement to prove I actually had an account and how much I actually owed, for what. etc. They refused to provide that. They are about to try and sue me again. I have links to prove that they do illegal debt collection acts. I need help to get them to stop! https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ http : //skibalaw.com/bank-of-america-fia-card-services-found-to-engage-in-unsound-unsafe-and-illegal-debt-collection-practices/
05/24/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NE 685XX	Web	Servicemember
I have owed money to a debt collector for years for a credit card with a max of {$5000.00}. I maxed out the card and never had enough to pay for it until now. Recently I was contacted by an office who just bought my debt. They as the other company before them states the total I owe at over {$10000.00}. I have never agreed with this amount and even though I verbally and written requests for a history, specifically on the amounts added and why, but have never received an explanation or history to when and why the amounts were added. I understand there would be court costs, final fees, and fines, but doubtful over $ XXXX worth. I defaulted on two other cards at the same time as this one ( both now paid ) and never had anything added to the cards ' max other than court fees. One of the cards even took years to pay off. Also I have asked to see if their total included previous payments including garnishments. The last person I spoke with stated she only saw XXXX garnishment for {$400.00} when there should be around {$1000.00}. I have the paperwork from a certified accountant who did payroll for my last job as well as pay stubs for proof. I have been making payments and to show I was sincere in paying this off started by sending them a {$4000.00} money order and have made multiple {$600.00} payments over the past 10 months.
05/30/2018	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	WI 531XX	Web	Servicemember
The creditor I owe ( XXXX XXXX XXXX XXXX XXXX ) was called prior to charge off and told to cease and desist all phone calls but it was made very clear that I wanted letters. It was also made very clear that on both accounts the cease and desist must follow the account when it charges off. on approximately XX/XX/XXXX I called the law office of MESSERLI & KRAMER I talked to the collection department manager XXXX XXXX XXXX I explained that my wife took very il and will not be able to work for some time that's why the accounts were not being paid. I offered to make a very small monthly payment of XXXX a month on each account he told me " there is no way he will agree to terms like that " He placed me on hold came back to the phone and stated " if I have any request send them in writing " then he hung up on me. My complaint is that I never was given the opportunity to dispute the validity of the debts ( the amount owed ). IN the beginning og XX/XX/XXXX I called again I was transferred to the department that handles my accounts when they realized it was me they immediately hung up on me. CLEARLY MY RIGHTS HAVE BEEN VIOLATED. I DID SEND IN WRITTING A REQUEST FOR VALADATION OF THE DEBT 'S NO ONE HAS SENT IN ANY VALADATION! I wish the CFPB would pull the tape recording for all my calls then you will see that I speak the truth.
02/15/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	WI 54956	Web
I received a letter from the " law offices of Messerli and Kramer '' on what looks like official letterhead. They inform me that my account with XXXX XXXX has been placed in their collections, I have a court file number, and a file number with their firm. If I choose to pay in installments, I can via their website. They also take checks written out to XXXX XXXX XXXX, but insist I mail it to their firm. Additionally, they say that " IF YOU DO NOT EXPECT TO RECEIVE YOUR TAX RETURN IN TIME TO PAY THIS DEBT, we are willing to work with you. '' I made the mistake of trying to find a legal firm in XXXX, MN and putting in the information they have from the letter they sent before realizing that it's probably a scam. After contacting XXXX XXXX directly and speaking with their fraud expert, I have found out that there is no such account attached to any name I have ever used and that if I was in collections on a XXXX XXXX account, they would have sent me mail directly. The weird part is that the legal firm does exist, it does an excellent job of looking and acting like a law firm. I'm pretty good about spotting scams, but this one is over the top in making it seem legit. Talk to the company named in the lawsuit. Their fraud department helps for free with no legal fees. It will save you a lot of nightmares.
04/04/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SD 577XX	Web
To whom it may concern, I received a wage garnishment from messerli.kramer in XXXX, MN. Not only is the wage garnishment a fake, but they falsified a court order number and file number, but they also faked a notary signature. I researched everything they gave me and the entire statement is a fake and an attempt to collect on a debt that is non existent and/or was discharged in bankruptcy. If it was owed at all because i never had a XXXX Credit card and all my XXXXy credit cards, formerly XXXX XXXX, are paid and up to date and active. But i find their tactics and practices violate the law, under FDCPA, as they are sending falsified court documents with a fake notary, which is also a crime for faking a notary signature. But i researched the court files in XXXX county Minnesota and there is no csse against me as they claim and the notary is not registered in the state of Minnesota. So their document is a complete fake!!!! They should be punished under the law for falsifying fake court documents. I am going to sue them in small claims because the sheriff serving me at home in front of my children was traumatic for them all for faked documents!!!! These people or " lawyers '' need to be stopped from hurting others with their fake documents and lies.
06/19/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	WI 547XX	Web
This issue began when XXXX XXXX XXXX, a debt buyer, purchased or otherwise acquired a disputed account from XXXX XXXX. I have requested numerous times that XXXX XXXX verify the debt owed with documentation ( not their bills which proves nothing ). I have requested documentation in compliance with the FDCPA and according to the FCRA. These requests have fallen on deaf ears and no such documentation has been provided by them. I further have asked for method of validation used to determine accuracy. I asked for an itemized listing of charges/debits and an affidavit. these documents were not provided and the company is using my SSN and other data to report this on my consumer credit files. I was contacted from Messerli & Kramer PA on behalf of XXXX XXXX XXXX and informed that I am being sued for damages pertaining to a {$1200.00} debt. the paperwork states that I am to present myself in court, or to pay them a settlement. I find it unethical in the extreme that I am dismissed and then sued, and pressured to hire attorneys which I can't afford, or waive my rights and agree to pay them for an account I challenge and do not recognize. I am an older woman and do not have access to legal representation. I need assistance in this matter.
01/03/2017	Yes	Debt collection Credit card	False statements or representation Indicated shouldn't respond to lawsuit	MN 55305	Web
I called the collector on XXXX XXXX, XXXX regarding a collection with XXXX XXXX. My court date was set for XXXX XXXX, XXXX. I spoke with XXXX XXXX and explained that I had been pursuing a loan to settle this matter and would like to do this out of court. XXXX said that he would call and cancel the court date and that I would not have to go to court. I specifically asked him if I would be in any trouble, like " contempt of court '' or anything legal like that. He said no, I would not be in contempt of court and no further action would be taken if I settled the matter. I telephone Messerli & Kramer on XXXX XXXX, XXXX and was informed that the judgement had been placed because I did n't show up for court, and now my credit has taken a huge negative hit. I asked to speak to a supervisor and explained the situation. The supervisor said he would listen to the transcript of the call, which he did and said that he understood where the " misunderstanding '' was made but that the judgement had already been filed and there was nothing he could do about it. Desired Resolution : Correction to a credit report Desired Outcome I am willing to settle this debt for the amount I owed XXXX Funding for purchases, less additional charges and fees.
10/17/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MN 550XX	Web
I know that I had owed a debt to a credit card, I worked with a lady at Messerli & Kramer to set up some payment plan. This was nice, it worked and I received a letter stating that I owed more than what our original debt was. I was confused as was the lady I worked with. She then stated that she would be looking into the situation and get back to me. She never got back to me, but sent a letter stating that I owed one more payment of the agreed upon amount. I then received another letter later saying I owed more money. I called and was confused as to why I owed more money, they stated that it was legal fees and that I did owe it, but would look into it and get back to me. I did tell them that if I did owe it I would like to work to settle this issue with a payment plan as the fees were more than what I could afford at the time. I never heard from them and assumed the issue was cleared up. More than a month to two months later I have now a {$40.00} levy/ garnishment levy fee attached to my bank account as of today. I do n't agree with this as I have attempted to contact them about finishing up these issue and nobody has returned my calls or sent any letters saying this is going to happen.
04/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MN 550XX	Web
I entered into an agreement with Messerrli and Kramer P.A. to pay off two accounts owned by XXXX XXXX XXXX. The agreement was to pay {$170.00} starting XX/XX/XXXX and {$170.00} on the XXXX of each following month until the balance of both accounts was paid of {$2100.00} in total. These accounts were a XXXX XXXX account and a XXXX XXXX XXXX account respectively. This agreement started XXXX of 2020. I've made my payments in full and on time through since the agreement. Every payment I have sent has required a signature. Messerli and Kramer stopped applying payments to the XXXX accounts due to a clerical error on their part. This caused the account to go back to XXXX XXXX XXXX and XXXX XXXX XXXX reported the balance past due. I've asked that Messerli and Kramer write me a letter reaffirming that they represent the XXXX account and also state that the payments were not applied to the account due to an error on their part. I've had this conversation multiple times with Messerli and Kramer over the course of nearly a month and have yet to receive my letter. They also asked that I continue to send in payments as agreed during the period that they didn't represent both accounts.
03/01/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NE 685XX	Web
Company sued me, then won default judgement, then failed to properly file follow up paperwork causing their judgement to be dismissed in a fashion wherein it can not be collected or refiled with the court. Every six months company is required to file with court showing they have attempted to collect judgement. Company failed to do so, and is now attempting to collect a thrown out judgement that they keep referring to as a " debt ''. It is no longer a debt after it becomes a judgement. It is no longer a judgement either because it was thrown out by the courts for company failing their due diligence in properly attempting to collect and filing follow up paperwork with the courts. Company also continues to report this " judgement '' as a " debt '' to the credit bureaus even though it is no longer legal to double dip and get a judgement AND report to credit bureaus. Company has been underhanded since day one. They won a default judgement in XXXX and NEVER filed the proper paperwork every six months, as sometime in XX/XX/XXXX I received a notice from XXXX XXXX XXXX that the judgement had been dismissed for the company 's failure to comply with law on collecting judgement.
05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MN 55311	Web
XXXX XXXX XXXX I would also like to point out another FCRA that will be used against you if you choose not to comply with federal law failing to indicate that you had hired a private counsel to represent you and Failed to note that on my credit report XXXX XXXX XXXX. The FCRA is very very clear about that you must and I repeat must indicate that on the consumer report. Please remove immediately Counsel I have included you to this complaint as well could you offer your input and tell us what does the FCRA states about The original creditor placing an account with a 3rd party debt collector?? What should XXXX XXXX XXXX have noted on the report when they consult you? I tell you your name should have been in remarks saying you are handling the account. A does the original creditors need to do this also is this required by law?? B the 3rd party agency add the information to the original creditors tradeline? C it doesnt need to report on a consumer credit file Please answer to the best of your ability counsel thank you. XXXX I have every single credit report that I can provide to you that XXXX XXXX XXXX failed to follow the law!! Try me!
02/14/2022	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NE 685XX	Web
on XX/XX/2022 in my mail box on XXXX PM CST I retrieved a letter purporting to be from " MESSERLI / KRAMER Attorneys At Law '' whose letter states : " The purpose of this letter is to remind you that the tax return season presents an opportunity to resolve your account. The following options are being offered to settle your debt : '' and then goes on to offer options to settle SOME sort of debt that I am unaware of for some account I am unaware of. The header states " Date : XX/XX/2022 Our Client : XXXX XXXX XXXX '' I had to unfold the letter TWICE to finally get " This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' Well, which is it? Are they the debt collector or an attorney representing the debt collector? This is a serious breach of several consumer financial protection laws. They can't threaten to sue me and they can't IMPLY they are attorneys then say at the end they're a debt collector. I would like them to consider this matter settled in full for their breach of laws.
02/05/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	ND 582XX	Web
I have tried numerous times to talk to someone at XXXX XXXX about an auto debt that I paid off last year, on XX/XX/2020. If and when I actually get to talk to someone about my account, they say they cant help me. It was sent to a collections agency Messerli & Kramer PA. I had set up payments with them on behalf of XXXX XXXX to resolve this debt and it was paid in full. Messerli & Kramer said they notified XXXX that the debt was taken care of. Ally will not only update with the credit Bureaus that the account was settled and that there is a XXXX balance. They are alleging I now owe another {$10000.00} 's. Which is the amount that was already paid. My credit score is dropping so far down, because they refuse to change my status. One of there representatives told me to file disputes, which I have done numerous times with no resolve. I have documents, and receipts with proof of payments made. I am not sure what else to do at this point. This derogatory remark is ruining me and my families ability to apply for any type of loans. During these difficult times.
02/12/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NE 685XX	Web
I've recently received a letter with an enclosed Notice to Judgement Debtor along with a Summons and Order of Garnishment. This letter is coming from a company named Messerli/Kramer & states that the Original Creditor is XXXX XXXX XXXX XXXX. I am unfamiliar with this bank as I have lived in NE my entire life. I personally have not had any loans, credit cards, etc for well over 10 years. I have no knowledge as to what this is all about and am asking that something be done regarding this. I just recently started working after our youngest got into school full time, but I am only working a part-time substitute position. My parents receive harassing phone calls for me, which I am assuming is from this Messerli/Kramer as well. With regards to this XXXX XXXX XXXX XXXX, I have been doing some research on them and have found that there had been a lot of fraudulent activity happening within their organization. Messerli/Kramer has been causing Hard & Soft inquiries to my credit, which I have finally started to get improved over the years after filing bankruptcy.
09/28/2017	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	WI 53221	Web
Your announced actions on XXXX XXXX XXXX VS XXXX XXXX XXXX sounds like the issues with XXXX XXXX XXXX in their case filing of XXXX XXXX XXXX in Wisconsin. The attorney XXXX XXXX filed an affidavit with false and misleading claims. 1 ) They have a file and computer system that only outputs true, complete and accurate information. 2 ) The account they are trying to collect on has been in existence from XXXX. I do n't believe the firm has a magic file cabinet of truth or a computer system of such. And I have 1st hand personal knowledge - the account from XXXX was cancelled by the claimed creditor XXXX XXXX when it had a {$0.00} balance, only one historical overdue payment, and a history of non-use for months before cancellation. The last 4 digits the firm submitted with a document from a XXXX date showed a different last 4 digits VS the claimed last 4 digits which had been the account number from XXXX. The XXXX action noted how review of the account was needed before filing and a review would have shown a lack of activity from around XXXX of XXXX.
01/13/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WI 53188	Web
I received a letter in the mail by this company on XX/XX/XXXX telling me I own money on a credit card debt. I did not know this company or what this was for. So, I sent out a debt validation letter not verification, validation and that was on XX/XX/XXXX and I know they received it because I sent it certified with signature USPS and got the signature back that someone had received it on the XXXX of XX/XX/XXXX. I did not get a response back with in the 30 days I was asking for. So, I sent another Letter a non-response letter on XX/XX/XXXX. I also know they received the letter because I sent that certified with signature USPS also and they received. So now its XX/XX/XXXX and I finally get something in the mail from them that looks to be old credit card statements and nothing else. How can this be proper validation? This is ridiculous I have waited over 107 days to hear back from this company. I have now sent out three letters with no progress from them to help me resolve this debt that I may owe, and they are reporting on my credit report.
08/13/2015	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	MN 55060	Web	Servicemember
I was sent a paper from Messerli & Kramer XXXX XXXX. In it had a statement that if I had signed it would keep me from ever suing them no matter what anyone in their company did to me or their future children may do to me. It was a disclaimer so I could never sue them for any reason. I could not sign it. I have a paper copy. I do owe a debt I wish I could pay. I was sent a judgement from the court. I do not have a job so I can not pay this, but this new paperwork ... It 's something that was clearly illegal. I looked their name up online and their are quite a few court cases in which they are the defendant. People are suing them frequently. I can see why they would want to send me this. I normally do not sue people or organizations. I believe in ethics and morals. I do n't believe in this type of behavior. Thank you for looking into this. Some people just do not read the entire document. They could do anything to them. That would be horrible. I do n't want anyone to be hurt by them. Please look into this. Thank you again.
05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MN 55311	Web
XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Im putting you both on a XXXX hour legal noticed before a lawsuit with be filed on both of your companies for violation the FCRA and the FDCPA. XXXX XXXX XXXXXXXX I have sent in Numerous complaint warning you about the violation and you refused to investigate or to remove the account from all credit files my EM would be failure to conduct a proper investigation and punitive damages indicating that you cause me to file Chapter XXXX bankruptcy. You need to remove the tradeline immediately. Dispute remarks should have been placed on the credit report you failed. XXXX XXXX you also should have notified XXXX XXXX XXXXXXXX letting them know that I disagree with your lawsuit that you filed in the XXXX or XXXX Minnesota. I responded to your affidavit and sent it back to you in certified mail disputing the claim. Which put you in violation of the FDCPA or we could go the route of Section 1681 SI-2b Im warning you both if the item is not remove in XXXX hrs legal action will take place try me.
08/24/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	MN 560XX	Web	Older American, Servicemember
Messerli & Kramer represents XXXX XXXX, XXXX. They filed for a judgement against me XXXX XXXX, XXXX. We filed an exemption claim notice with them because most of our income is from Social Security, we did this on XXXX XXXX, XXXX. My total income is {$900.00} a month, out of which I pay {$74.00} a month for a supplemental health insurance payment. This debt is in my name only, my husband has nothing to do with it. I filed a cease and desist with them on XXXX XXXX, XXXX. I have never retracted that Cease and Desist, consequently, they have not contacted me by phone, up until this last week. I have received a phone call from Messerli & Kramer, at XXXX PM, on XXXX XXXX. I did not catch the women 's name that called, but she was calling to collect on this debt. I have a photo of my caller ID with the date and time of this call from a representative from Messerli & Kramer. The phone number listed is XXXX. It is my understanding that once a Cease and Desist order is in place it is unlawful for them to contact me by phone.
06/30/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MN 565XX	Web
In 2006 my wife and I took out a first lien heloc loan with XXXX XXXX and XXXX to pay off credit card debt. One of the 3 cards to be paid XXXX now claims not to have been paid. 9 years later a debt collector messerli and kramer is trying to collect on this debt which started out at {$9000.00} and has grown to {$24000.00} with a default judgment that should be vacated because it is part of a secure loan I have been paying XXXX for the last 10 years. A mn attorney general 's office rep from the consumer services division, XXXX XXXX, has asked XXXX XXXX and messerli and kramer to honor the hud1a statement which they have been sent a copy of that clearly states they have been paid. Please help quickly as we can not afford to pay a {$500.00} a month mortgage payment, a {$500.00} a month loan payment, and having my check garnished 25 % a week totaling over a {$1000.00} a month. XXXX seems to have no interest in helping resolve the issue as we have made several attempts to contact them with no reply.
11/03/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MT 59105	Web
I received two summons for two XXXX XXXX XXXX credit cards from messerli and Kramer. I asked for documentation of these credit cards and they sent me statements with a balance transfer, no indication of card it was transferred from, and also stated they didnt have any electronically signed contract. I asked them if they could send me that and they just kept telling me that if I want anymore information I need to contact a lawyer, they wont provide me with anymore information. I just want to make sure this debt is in fact mine before I pay a debt collector company. I also asked if I could speak to one of their lawyers since the paperwork I received said messerli and Kramer, attorneys at law. She said they dont have any lawyers available and if we want to contact anyone else I need to have a lawyer contact them. I told her to leave a message with one of her lawyers, she said I can try but cant promise anything. One card says opened XXXX of XXXX, and the other opened XXXX of XXXX.
08/02/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	ND 58201	Web
I have send several request to former law firm when was served papers by the sherriffs dept of a attempt to collect debt but have never received a response back w/requested proof & now it has been assigned to a new law firm. I have kept all emails send to prior law firm notes made on letters & print screens along w/mail receipt of formal letter showing letter was received from the prior law firm & now a new law firm is trying to attempt the debt. I am also sending them copies of the requested/papers sent to the prior firm for their review as of XXXX/XXXX/15 via the post office. I do not know who the debtor is that is why I have disputed the debt & requested proof as in the past I have had my SSN # stolen before I got my 1st credit card so am leary that it could have happened again & I stated that in my concern letter that was sent to the law firm. Legally they have to provide me w/proof of the debt & have not complied w/my legal rights.
10/23/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MT 59718	Web
I have been paying on a debt but my car got totalled and I'm struggling to find a job that works with my XXXX XXXX. I have been unsuccessful so far. It's been about 6 weeks now. I have contacted the company several times to update them on my situation and have told them twice to stop calling me. Now they're using phone number masking, so they're showing up as " restricted '', " unavailable '', and " unknown ''. Just today ( XXXX ) I have received 11 phone calls from " restricted '', " unknown '', and " unavailable '' between XXXX and XXXX. They have me on a recorded line telling them that I do not answer unknown phone calls and I asked for the number they'd call me from so I could add it to my contacts. They have used around 30 different phone numbers in the last month. I am sick of the harassment. They haven't responded to any of my attempts to contact them. XXXX XXXX is the company.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 551XX	Web
As I was looking at my credit report as I do very regularly and came across an account that showed up on my credit report on XXXX from XXXX XXXX without any prior knowledge, I received a letter dated XXXX from Messerli & Kramer PA stating that I need to send a letter if I wanted to dispute the validity of so called debt and required that I send in a response by XXXX. This account is illegally reporting on my credit report and in violation of my consumer laws, in many cases I have to right to seek litigation. It is illegal to report this account to the CRA if I provide such dispute before given deadline which was XXXX and an investigation must be completed. Here is the tracking number for the letter send certified mail : XXXX which was delivered on XX/XX/2023, XXXXXXXX XXXX I will also attach the letter sent to Messerli and Kramer below. 15 USC 1692 ( e ) and 15 USC 1692 ( f )
12/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SD 57401	Web	Servicemember
I first received a garnishment order from Messerli and Kramer for XXXXXXXX XXXX for a XXXX XXXX credit card of {$780.00}, on XX/XX/XXXX. I was not notified of any such debt before the garnishment order was granted. I then check my credit report and it was not listed as a collection debt for any XXXX XXXX account. I then went through the court to reverse this and it was granted in my favor for them not notifying me. I then received another garnishment order from the same company and the same file number from the sheriff on XX/XX/XXXX. This time the amount is different {$1100.00} plus costs. Here again. There is prior notification to me to dispute this debt. I never received one piece of information for this account or a court date to appear to dispute this account. This time, it just shows it was eSigned from their company and no letter was attached.
08/16/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	ND 58104	Web
Company is threatening to garnish my wage for a invalid debt that is also showing it is time Bared according to the North Dakota Statute of limitations. Collection of Debt on Account 6 yrs. XX/XX/XXXX ( 2 ) which their bogus verification page shows payment due date of XX/XX/2014 which would be past the statute of limitations anyways. I have sent them letters by certified mail stating to desist from further action and that I do not acknowledge the debt. They said I could do nothing to stop the garnishment. Their charges changed on debt collection notices they sent. From XXXX to XXXX with the verification showing different amounts from XXXX to just the XXXX with bogus charge off principals and finance charges. They are trying scare tactics on me when I am just getting ready to have a XXXX XXXX and are attempting to take advantage of me.
03/04/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 55369	Web
I want to thank you for sending me billing statements per the FCRA billing statement are not debt validation anyone could or may have forged statements in my previous complaint I specific asked your office for payment history from the time this account was open up until the account was report negatived as well as contracts with my signed signature attached but you failed to send me the information. I spoke with XXXX via the CFPB website they were unable to tell me who the debt was sold or placed nor transferred to. Also I would like a copy from your office of how much you paid for this debt the date that you purchased this debt. Such as a canceled check that you wrote to XXXX. I will be waiting on this information in the mean time I ask that you cease and desist until you provide me with the proper documents requested thank you
09/30/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MN 56007	Web
The debt collector for XXXX XXXX bank ( Messerli & Kramer P.A . XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) filed suit in county I used to live ( XXXX County Minnesota ) in order to receive a summary judgement when I could not show for that court hearing ( I now live XXXX miles away from that court in XXXX County, Minnesota ). They are now using that judgement to file harassing annual garnishment notices with my employer. I say harassing because Messeli and Kramer P.A. are well aware of the fact that my income falls under 'protected income ' status ( XXXX and part time employment WELL under the federal minimum standard of $ XXXX/wk ) and they have no reason to believe that my employment status has, is, or will change to any degree which would allow them to collect this debt, which I 've disputed the amount of from the beginning.
11/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WI 53140	Web
Back at around 2002 I noticed amount on my card that I didn't recognize, a coworker at the time ( XXXX XXXX ) referred me to a guy ( XXXX XXXX ) that was helping him with something similar. A few days later he show at my home claiming to be affiliated with the XXXX XXXXnd after gaining my trust he left my place with lots of personal information and multiple documents to supposedly help me out. Time went by and I started getting more and more letters of me owning stuff but I after m telling them it wasn't me some will stop. Others didn't but nobody ever took money from me till now. Now I being garnish by a firm Messerli/Kramer and I don't know what to do. 20 % every week for something I didn't do seems terrible. At this time I even canceled XXXX and not looking forward to XXXX. Not sure what to do now?
04/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MN 56303	Web
XXXX didn't send statements or freeze my account for suspicious activity. My account was sent to debt collection when I didn't even get notified of the charges. I was called multiple times by debt collectors and was told to pay a debt I didn't owe. I requested for statements and notified the debt collector and XXXX I didn't recognize the charges and the address on file was changed without my authorization. I believe I was a victim of ID theft. My account was sold to XXXX XXXX XXXX where they continued to collect a debt when I tell them I didn't recognize charges and that address on file was incorrect. And they ignored my communication and sent me a letter saying they don't understand what I am disputing. My account was sold again to Messerli and Kramer where they filed for lawsuit against me.
08/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60120	Web
A company by the name of Messerli and Kramer is sending me letters asking for payment on a debt I know I do not owe. They claim I owe XXXX XXXX. I had an account from XXXX XXXX back on 2006, which is currently reflected on my credit report as paid. If this is company is demanding payment for an account from 2006, they could be under violation of the FDCPA because the account is older that the statue of limitations in my state. I want this company to stop the harassment of their collection tactics, since they have not send me anything regarding the validation of this alleged debt. They are demanding payment from XXXX XXXX, but I am not XXXX XXXX, I am XXXX XXXX. All I get from this people is a letter demanding payment for this debt
02/18/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 55369	Web
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. Also send me all payment that was made on this account from when the account was open up until the account went past due As XXXX! per the law seized in desist all collection activities including credit reporting agencys Please comply.
09/17/2016	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	ND 58801	Web	Older American
The company is Messerli and Kramer, a debt collector. They took over the account I had with XXXX -- that was sent to XXXX XXXX. The original amount, according to my credit report was {$3200.00}. I paid XXXX payments of {$100.00} to Messerli/Kramer. When I called them the week of XXXX XXXX, the representative was very rude. Told me the balance was $ XXXX My payment had stopped on XXXX of 2015 -- I have written proof of payments from my Credit Union . According to the balance, they have issued unauthorized charges of interest of approximately {$1000.00}. I told the representative, XXXX, that I intended to dispute this, and he told me I coul n't dispute it. I believe that they have made unauthorized charges unfairly to my account.
09/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MN 55434	Web
XXXX XXXX XXXX was sent a cease and desist letter in XX/XX/2023and was notified of these accounts arising from identity theft. A report from the FTC was generated and submitted. XXXX still wrongfully attempted to collect this debt and is acting as a third party of which there is no original contract with. XXXX and MESSERLI & KRAMER PA .wrongfully debited {$1500.00} from a bank account that was not authorized this amount. There was also in fact a payment plan in place in which MESSERLI & KRAMER PA wrongfully debited an amount that was NOT authorized. These are in fact unfair debt collecting acts and go against the FCRA laws. See attachments of identity theft form and cease and desist dispute letters.
09/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55024	Web	Older American, Servicemember
I have received several notices from Messerli and Kramer regarding accounts I supposedly owe money to. They have garnished my wages and wiped out my bank accounts. The accounts are joint but they wipe out my husband 's social security money that is deposited there too. I send them proof of what funds are not my earnings and they say they never received that. My wages are garnished. They say the debt belongs to XXXX XXXX, XXXX and I have to call them regarding what the debt is for. XXXX says I have to get the information from Messerli. They say I was served papers. I never was. I don't know if my identity has been stolen or what but this is crazy.
08/08/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN XXXXX	Web
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply. View
07/10/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MN 55124	Web
I was notified that the company/sole owner that I am XXXX to ( I am an XXXX ) was contacted by the debt collection law firm Messerli & Kramer asking questions about me and although told I was not a employee but rather XXXX was asked to verify my name and my social security number. The owner did not give out this information however the collection law firm proceeded to state my name and social security number as well as other personal information to the owner ( my XXXX XXXX ) considered third party and asked if it was correct. This is illegal, an invasion of confidential information and a privacy issue.
04/26/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MN 550XX	Web
Messerli Kramer bought my credit debt from XXXX XXXX They have garnished my paycheck twice now when I have been on medical assistance. They have not credited me the amount they have illegally garnished from me and continue to try to ask for more proof of me being on medical assistance over and over again. I switch jobs and they instantly ask for proof of medical assistance which i provide and they still garnish for a short time never giving me credit for the amount taken. They have garnished over {$800.00} that has not been credited to my amount owed and continue to try to garnish my checks.
10/05/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MN 55330	Web	Servicemember
On XXXX XXXX 2019 a rep from Messerli & Kramer PA stop at my parents address and talked to my sister and asked if lived there. She informed them that I do not currently live at the address. Then was asked if I would be there any time soon, she told them she was unsure. The rep then handed her an open letter which was a communication from a debt collector. Giving the name of the original guarantor, name of the collection agency, notice that I was being sued and my name on it. Even after my sister told him several times that they where at the wrong place and should give this directly to me.
08/24/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MN 55449	Web
I have not received any debt validation notices or statements from the original creditor. I was never served by the court, or neither was i notified by the debt collector about them filing any lawsuit. I received a judgement from the court that I considered fraudulent based on the fact that I do not have knowledge of this debt. This collection agency is in the habit of obtaining judgments that is not valid and pretend to be the original creditors. I am asking that this collection agency remove said judgement from my record and vacate all judgment pertaining to me.
07/24/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MN 55904	Web	Servicemember
A debt collector contacted me for a debt from credit card companies that I do not owe due to identity theft and I told them do not contact me anymore for this debt. This debt company decided to be more resilient by contacting and sending someone to my place of work with no success. They also came to my home knocking at my door several times when I was not home and then ask my neighbor if she can signed a paper on my behalf since I was not home. My neighbor refused and notified me by phone. This is a violation and trespassing at my home and place of employment
02/26/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NE 684XX	Web
On XX/XX/2021 the law firm of XXXX XXXX based in XXXX Minnesota and licensed to practice law in Nebraska and as a debt collector was representing XXXX XXXX XXXX also a debt collector attempted to get me to pay for legal fees or interest before a judgement was first received in court. Federal courts have previously ruled that debt collectors can't collect attorney 's fees or interest from people without first receiving judgment from a court in a debt case. Im reporting them in violation of the Fair Debt Collection Practices Act ( FDCPA ).
07/27/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MN 55024	Web
I was served papers by messerli and Kramer law firm for an old XXXX debt totaling {$3000.00}. I called and we agreed on a settlement amount, that would be paid soon as I received the settlement offer. The rep/attorney said she wouldnt move forward with the lawsuit for 2 weeks to give time for the letter to get to me. I never received it, so I called again and the attorney emailed it to me. I paid the settlement amount as agreed. Today I received a letter saying they are dismissing without prejudice and said Im carrying a balance of {$540.00}
07/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MN 55343	Web	Servicemember
I have been receiving phone calls from Messerli & Kramer PA XXXX XXXX XXXX for a debt from XXXX XXXXXXXX XXXX XXXXXXXX, for {$2000.00}. Reference Number : XXXX. The debt is not my debt. The debt is the result of identity theft. Messerli & Kramer PA XXXXebt Collection Representatives have been harassing me, using profane and abusive language against me, threatening to have me arrested, put in jail and sent to prison for the debt owed, and using threats of XXXX XXXX XXXX for a debt thats not my debt and is the result of identity theft.
01/15/2019	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	MN 554XX	Web
On XX/XX/XXXX Messerli Kramer ( MK ) sent a me a garnishment notice and started to garnish my wages. It was not until 45 day 's later that I learned that MK was suppose to include in their Garnishment notice an " Exemption Notice '' which would have informed me of my rights and I would have been exempt from the garnishment. By law garnishments must include an Exemption Notice, theirs did not. On XX/XX/2019 I faxed MK an exemption notice. They are still garnishing my wages even though I have legally notified them of my exemption.
02/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	WI 549XX	Web
Just saw on XXXX that Messerli and Kramer which is XXXX fundings lawyer who is suing me on credit report multiple inquiries by messerli and Kramer, along with XXXX funding and now XXXX which i guess is XXXX funding related??? Another report think XXXX has XXXX Funding just did charge off, yet they filed lawsuit in XXXX XXXX Wisconsin for supposed debt they " claim '' to own, yet XXXX did charge off of their collection on my credit report ... ..i got other weird things showing up ... pretty sure I've had identity theft now ....
01/05/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 55025	Web
Messerli & Kramer has received several documents from me proving I am exempt from financial judgments & wage garnishments. I am exempt because I currently receive government assistance & have for several years. I received notice dated XXXX XXXX, XXXX a notice to appear in conciliation court on XXXX XXXX, XXXX. XXXX XXXX had hired Messerli & Kramer to obtain a judgement against me. This is a violation, as I have exempt wages in which XXXX XXXX XXXX has been made aware through supporting documents I had provided them.
12/01/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MN 553XX	Web
I had made a deal with a credit card company to have fund taken out of my checking acct of XXXX a month until it was paid so they took out XXXX payment then sold to a collection agencythen took XXXX more payments of the same amount this was a XXXXXXXXlimit card at the time I made the deal I had like XXXX before theyhad late fees over the limit fee how can I be over my limit when I have maid payments now I have all paper work they took payment after they sold the note. Now they Are going to garnish my pay forXXXX
05/08/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MN 567XX	Web
In XXXX of this year, Messerli and Kramer, froze my savings account and on XXXX XXXX, 2015 they had the bank send them a check for {$320.00} and then they released my account. They did this even though they were told that I was on XXXX Assistance in Minnesota. According to Minnesota state law, they were not allowed to garnish my account for at least 6 months after I am off of assistance. I would like my money back and have them charged with whatever crime they have committed against the law.
09/05/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	WI 54880	Web
The judgement entered by the court was {$4600.00}. They have already garnished {$5100.00}. They continue filling new adjustments to the garnishment order with the incorrect amounts owed. They have alternated collecting on 2 separate judgements to increase interest owed and cause confusion. They have " misplaced '' money that was garnished from my wages and have no intention of correction. They refuse to provide any information on why the judgement has not been satisfied.
10/02/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 55106	Web
I was not sent a notice with intent to garnish my paychecks, I notice on my XX/XX/2023 paycheck and asked my employer who was garnishing me and they told me Messerli & Kramer. I sent them proof of my medical assistance for them to stop garnishing me on XX/XX/2023 and on my next paycheck XX/XX/2023 they still had the garnishment on there so I contacted the MN Attorney generals office and they sent Messerli & Kramer a letter and they still have not responded.
02/27/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	WI 53143	Web
On XX/XX/2022 there was complaint filed in the Circuit Court of XXXX County, WI against me for alleged amounts owed. The Plaintiff 's firm acting as a third party debt collector did not send notice or right to dispute prior to commencing suite or after a phone call was made to them on XX/XX/2022 per FDCPA rules. This is not the first time that this firm has violated my consumer rights. I was never given a right to cure pursuant to Wisconsin Consumer Act.
10/26/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 56303	Web
On Friday XX/XX/XXXX at approximately XXXX a man came to my door and handed me paperwork. It appears to be a summons. I do not know for sure if it is real or not. I made numerous phone calls and email attempts to contact the person I was directed to respond to. I have no knowledge of the alleged actions the document outlines. I could find no record of within the Minnesota judicial branch records that the judgment addressed in the document exists.
04/08/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	WI 530XX	Web
XXXX I opened a XXXX XXXX Card which was set up as auto pay and all of a sudden they weren't taking my payments from my account and years later they are garnishing my wages. I attempted to reach out to them many times within those years and I could never reach anyone, I was placed on hold many times and hung up on for no reason I never got to speak with anyone. I have not heard from them until this garnishment comes through work 4-5 years later.
02/25/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MN 55123	Web
Was contacted by Meseri and Kramer constantly. I told them not to call but they continued. I asked for proof of the debt and they have not responded to that request. They sent someone with documents indicating they were going to sue me.And this person came to my door and tried to force his way in my home, I blocked him took the papers and then went out and took a picture of his licence plate and reported him to the police.
09/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 55128	Web
Messerli & Kramer received a judgement against me for a XXXX credit card in the amount of {$740.00}, they started garnishing me XX/XX/2018 and had a stop date of XX/XX/2018 and received the garnishment XX/XX/2018. Messerli & Kramer has failed to update my credit report & took over one year to close my judgement, with me even filing with the courts against them and complaining to my local attorney generals office.
02/28/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MN 55407	Web
My account was transferred from XXXX to Messerli & Kramer collections. They are authorized to a soft inquiry of my credit report, however they did a hard inquiry which is affecting my credit history. I have contacted experian and they said they were unable to assist me, so i contacted Messerli & Kramer and they said it should be a soft inquiry and they can not control how experian reports it.
06/25/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 553XX	Web
I have recently received a Death Distribution from my deceased father placed in my XXXX Bank Account # XXXX on XX/XX/2019 in the amount of {$7800.00}. On XX/XX/2019 Messerli and Kramer collection agency levied my account in the amount of {$4500.00} plus {$120.00} Garnishment fee. I feel these funds should be exempt from any levy. I will also be contacting Attorney General and XXXX XXXX XXXX.
02/17/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	WI 548XX	Web
Messerli and Kramer -XXXX, MN XXXX. This company sent a FAX to my work office with My name the last 4 digits of my SS #, asking for employment information from my employer. This FAX machine is a PUBLIC fax machine with multiple people being able to access this personal and confidential information. With bold lettering stating that it is debt collector and an attempt to collect a debt.
05/30/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	MN 563XX	Web
They will not tell me who the original creditor is have asked several times. They asked for proof of recieving XXXX XXXX months ago I provided it. Now XXXX months later there requesting it again. They have called me at my work in the past I asked them to not call me there within a month they called me there again putting my job in danger. Very rude on the phone.
04/06/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MN 55449	Web
Hello, This is XXXX I had an unpaid XXXX credit card I tried to work out with XXXX unfortunately Messeri and Krammer got my unpaid credit and they garnished my wage I never refuse to pay but, I asked for an affordable monthly payment to they refuse to negotiate with me i won't be able to survive by losing 25 % of my income every week I need help.
06/18/2018	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	WI 535XX	Web
XX/XX/18 : was notified of a collection. when notified i was informed i would need to make payment right away or they would take legal action right away. when i notified i wasnt paying them the person on the phone became aggravated and wanted to use scare tactics like going to court and paying legal and lawyer fees then hung up the phone
01/11/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	GA 31419	Web
XXXX IS THREATENING LAW SUIT TO COLLECT ON A DEBT I DO NOT OWE TO XXXX XXXX BANK IN THE AMOUNT {$2400.00}. THEY SENT NOTICE CERTIFIED MAIL WHICH WAS HANDED TO MY MINOR SON AGE XXXX XXXX XXXX, I 'VE ASKED XXXX XXXX BANK TO SEND VALIDATION OF DEBT WHICH WAS NOT RECEIVED YET THIS HAS BEEN ON GOING NOW FOR TWO YEARS WITH THIS SAID COMPANY.
01/03/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	ND 586XX	Web
I had to verify my address even after being asked if they were speaking to me on the phone. I told her who she was talking to, but she insisted I needed to verify my address, date of birth or last XXXX digits of my social security number. After I did all of that it is then when she disclosed what the call was about.
02/07/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	WI 549XX	Web
Lvnv funding vis XXXX and XXXX sent me paper that i asked to validate debt XX/XX/2022 ... liars... they also sent me someone elses private information, what they owed, how they got judgement, kind of like a threat to me, plus why are they sending me something about another persons privacy matter, very wrong...
11/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55117	Web
XXXX XXXX XXXX XXXX is messerli and Kramer in XXXX MN.i guess it was XXXX when I had a card for purchase of ... I have no idea.they say I owe XXXX they XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not given a court date by letter.I never got proof from XXXX XXXX or from messerli and Kramer.
09/23/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WI 53221	Web
I never heard of said debit till I checked my credit report and then come to find out its from 2006, I do not recall this debit and its past the statute of limitations ... I did ask for verification of the original contract and sent a judgement again I no knowledge of this judgement and I am on XXXX
09/23/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MN 56001	Web
someone took a credit card out in my name ( FRAUD ) and i didnt no about it was took late they filed a judgment aginst me in XXXX well in XXXX they open the case agian and filed another judgment aginst me witch i never recived anything the second time i didnt they could only go back 10 years
06/03/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SD 57106	Web
Sent a process server to my apartment in a secure building. Process server threatened to call cops. Paperwork said Second Judicial Curcuit XXXX XXXX SD but no actual case number not actually filed. Said I need to report the their law office in XXXX MN or face a default judgment.
10/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 754XX	Web	Servicemember
i am receiving threats of bank levy and garnishments on a debt i know i do not owe.this debt is not on my credit report from what i understand there is a judgement also not on my credit report i contact the collection agency they want personal info i am not willing to give them
03/20/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	SD 575XX	Web
Debt Collection Law Firm in over 14 FDCPA and FCRA and CFPB violations. Have filed a frivolous lawsuit without answering and proving they are the holder in due course, have a signed contract with my name on it or have a contract to collect on behalf of XXXX, XXXX.
11/10/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MN 55104	Web
I am in chapter XXXX bankruptcy in MN - bky XXXX. The office of Messerli & Kramer and XXXX XXXX received a judgement in their favor and are now attempting to garnish my wages, which is n't allowed under the automatic stay rules of chapter XXXX. The case is XXXX
10/30/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	MN 55378	Web
Trying to collect n a charged off account..i believe the statute of limitations has passed, never notified of a court date to apoear, threatening to garnish or levie wages and that no more court appearances are needed
05/02/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	ND 58554	Web
Messerli & Kramer PA called me at my office at XXXX CT on XX/XX/2019 about a collection account owed by my wife. At no time had my wife authorized that number to be used, and I most definitely had not.
02/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NE 681XX	Web
I received a letter in XXXX about the debt and paid it, the company has repeatedly called me since XXXX wanting the money. I emailed repeatedly asking them to stop because the debt was paid in XXXX.
06/18/2018	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	WI 535XX	Web
XX/XX/18 : claimed to have documents that have been lost since the original creditor sold the loan. the document was something that no longer exists in an attempt to trick me into agreeing to pay.
04/28/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MN 55406	Web
Messerli & Kra mer A ttorney at Law XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX The company dropped of a summons with all my personal information exposed in an attempt to collect a debt.
11/17/2020	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	NV 89102	Web
My employer recently contacted me about a garnishment from a debt collector from a debt in 2008. I was never contacted about this, its 12 years old
06/18/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	WI 535XX	Web
first phone call was on XX/XX/18 and now XX/XX/18 and no letter to inform me of the debt or the fact that i can dispute it or ask for validation
11/17/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IA 514XX	Web
This debt was already paid and I sent them a dispute letter about it and they never responded
05/31/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 539XX	Web	Servicemember
Company has left multiple VM identifying themselves as debt collectors looking for my wife.
02/02/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MN 562XX	Web
Repeatedly called XXXX even XXXX times a day and within minutes. Hangs up when answered
08/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NE 693XX	Web
This is not my debt ive told them that was in the XXXX when these purchases happened
01/27/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 55433	Web
They never responded within 30 days and it's still on my credit report
01/31/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SD 57442	Web

01/30/2024	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NE 68025	Web

01/25/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NE 68025	Web

01/19/2024	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	ND 58045	Phone

01/18/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NE 68025	Web

01/17/2024	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	ND 58654	Web

12/24/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	ND 58104	Web	Older American

10/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53207	Web

10/12/2023	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	MT 59718	Web

05/20/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	ND 58276	Web

04/19/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MN 55407	Web

02/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55419	Web

02/06/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MN 55115	Web

02/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55419	Web

01/23/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MN 55040	Web

11/10/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MN 55443	Web

10/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WI 53209	Web

09/23/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MN 55904	Web	Servicemember

09/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	ND 58554	Web

08/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	ND 58554	Web

08/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	ND 58554	Phone

07/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NE 68104	Phone	Older American

07/06/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	MN 55025	Web

04/28/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 52556	Web	Older American

02/19/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MN 55369	Web

12/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55406	Web

11/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WI 54302	Phone

10/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MN 55106	Web

10/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 55372	Web

05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55311	Web

05/20/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MN 55304	Web

05/10/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	55304	Web

04/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IA 52402	Web

04/13/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone	Servicemember

04/13/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	WI 53533	Web

02/11/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NE 68107	Web	Older American

12/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WI 53105	Web

10/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53206	Phone

10/27/2020	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	MN 55311	Web

10/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55423	Web

10/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 52068	Web

09/16/2020	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	WI 54311	Phone

08/10/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MN 56701	Phone	Servicemember

07/26/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MN 56728	Web	Older American

04/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MN 55412	Web

01/28/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MT 59330	Web

01/21/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 55103	Web

11/01/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 55379	Web	Servicemember

09/11/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MN 56716	Web

05/22/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 55024	Web

04/19/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 54401	Web

04/17/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SD 57106	Web

03/01/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 55068	Web

01/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 55076	Web

01/19/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MN 55733	Web

01/10/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MN 55021	Web

11/26/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MN 55024	Web

07/08/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MN 55343	Web

06/12/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount		Phone

04/26/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MN 55044	Fax

03/03/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 55446	Web

02/02/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 55987	Web

01/13/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 55434	Web

12/04/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	MN 55068	Web

10/12/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MN 55720	Postal mail

09/19/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MN 55118	Web

09/08/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 55330	Web

07/26/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MN 55101	Web

07/19/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WI 54806	Postal mail

06/28/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	MN 55422	Web

03/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MN 55301	Referral

02/23/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	ND 58278	Web

02/06/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MN 56082	Phone

02/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MN 55421	Phone

12/28/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	MN 55423	Web

12/02/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MN 55443	Web

11/18/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	WI 53219	Web

10/27/2016	Yes	Credit card	Billing disputes	WI 53403	Postal mail

08/05/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	ND 58075	Web

07/27/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	WI 53183	Phone	Older American

07/18/2016	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	MN 56537	Web

05/30/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MN 55102	Web

04/30/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MN 55412	Web

04/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	MN 55408	Referral

03/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	MN 55408	Postal mail

03/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MN 55431	Web

01/23/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MN 55066	Web

01/21/2016	Yes	Credit card	Delinquent account	MN 56502	Web

12/29/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	MN 55421	Phone

12/11/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	MN 55426	Web

10/12/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	MN 56364	Web

10/08/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MN 55337	Referral	Older American, Servicemember

09/21/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MN 55404	Web	Older American

09/01/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	MN 55901	Phone

08/28/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MN 55106	Referral	Older American

08/11/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WI 53546	Phone

08/03/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MN 55431	Web

07/01/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MN 55409	Web

06/09/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MN 56052	Phone	Servicemember

05/29/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MN 55106	Fax	Older American

05/20/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MN 55360	Referral

04/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55360	Postal mail

04/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	MN 55051	Referral

03/19/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MN 55315	Referral

03/18/2015	Yes	Debt collection Credit card	Communication tactics Called after sent written cease of comm	MN 55419	Web

03/09/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MN 56571	Web

03/07/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MN 55117	Web

02/20/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	WI 53012	Web

02/09/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	ND 58704	Web	Servicemember

02/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	MN 55125	Referral

01/27/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MN 56431	Web

01/27/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MN 55406	Web

01/26/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	MN 55024	Web

01/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MN 55110	Web

10/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MN 55331	Referral

09/25/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	MN 56474	Referral

09/18/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MN 55403	Web

09/09/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MN 55944	Web

08/27/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MN 55038	Web

08/24/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	MN 55447	Web

08/21/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	MN 55076	Web

07/31/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 11764	Referral

07/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MN 56377	Referral

05/21/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MN 55406	Web

03/28/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MN 55411	Web

03/07/2014	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	MN 55121	Web

03/04/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MN 55949	Web

02/23/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	MN 55906	Web

02/02/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	WI 54864	Web

01/30/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MN 55403	Web

01/13/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MN 55447	Phone

01/13/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MN 55124	Web

01/08/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	WI 53222	Web

01/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	MN 55431	Web

12/04/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	WI 54304	Web

09/11/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WI 54016	Referral

08/08/2013	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MN 55402	Web	Servicemember

08/03/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	MN 55364	Web	Older American