| 09/21/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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It appears that the malicious establishment Miller and Steeno , P.C . does not know the laws by which they are governed. I will not tolerate the sarcastic tone and disrespect exhibited by this establishment, which I consider to be a joke. First and foremost, I am aware of Heintz v. Jenkins, 115 S. Ct. 1489. I wish to emphasize that the legal precedent set by Heintz v. Jenkins mandates that law firms must adhere to the same FDCPA laws as debt collection agencies. You are not above the law that governs you.
I want to make it clear that Miller and Steeno , P.C . states they are a " debt collector, '' yet I have discovered that Miller and Steeno , P.C . is not licensed in the state of Tennessee. This information will be provided in the portal. By making the statement that you are a debt collector, you are implying that you provide a " collection service '' under the Tennessee Collection Service Act, as defined in T.C.A. 62-20-102. Consequently, you are in violation of T.C.A., Title 62, Chapter 20. I will emphasize this point again : Miller and Steeno , P.C . is NOT licensed in the State of Tennessee.
Not only have you violated Tennessee state laws, but you have also violated FDCPA Section 807 through Misrepresentation of Authority, Deceptive Practices, and False or Misleading Statements. These are serious violations, and I demand that you address them immediately.
Secondly, upon investigation, I have found that XXXX XXXX XXXX, who signed these hearsay documents, is not licensed in the State of Tennessee to practice law. This is a serious violation of legal and ethical standards through Unauthorized Practice of Law. Because of this unlawful act, it may result in serious disciplinary actions by the Tennessee State Bar Association. Additionally, this is a violation of 15 U.S.C. 1692d, as it amounts to harassment through scare tactics, considering that an unlicensed attorney signed these hearsay documents. I will not tolerate these deceptive tactics by Miller and Steeno , P.C . I demand that XXXX XXXX XXXX provide his Tennessee BAR License Number and Tennessee state law license.
It also appears that I am going to have to educate Miller and Steeno , P.C . on what " Verification '' means, as it seems none of you have consulted a Black Law Dictionary. Since I have to do your job, " Verification '' is defined in Black Law Dictionary ( 4th Ed. ) as " Confirmation of
correctness, truth, or authenticity by affidavit, oath, or deposition. '' Those demands were not met, and a pathetic response was provided by Miller and Steeno, P.C., stating that under the FDCPA and case law, the consumer does not get to decide what they will accept as verification. Perhaps Miller and Steeno , P.C . and its associates should return to practicing law, as it is clear that you do not understand it.
I specifically demanded affidavits, and I insist that these demands be met, as Miller and Steeno , P.C . must comply with the law that governs them. If Miller and Steeno , P.C . claims they don't have to provide the proof I am demanding, how can they be sure that the alleged information is accurate unless they are witnesses? If Miller and Steeno , P.C . is claiming to be a witness and an advocate, they are defying the rules of being a lawyer, as per Tenn. R. Sup . Ct. 3.7 ( a ).
I also demanded that you " elucidate your intentions concerning my personal identifying information and delineate the measures you intend to undertake to safeguard said information. '' This is a violation of Title 15 of the United States Code, Sections 6801 ( a ) and ( b ) ( 1 ), ( 2 ), and ( 3 ).
With all of these violations you have committed on the state and federal levels, you are no stranger to committing them. I am aware of Robin v. Miller & Steeno, P.C., Case No. 4:13CV2456 SNLJ. You should be investigated and shut down given the numerous complaints against you, not to mention all the cases you have lost.
I also demanded a wet signature, something that I have never allowed for you to do business with me, and I never will. Miller and Steeno, you can pound sand ; you are lawfully dismissed. As I said before, I will fight you to the ends of the earth. I am educated, and I categorically deny any alleged account with you. I demand that you close this alleged account within your offices and cease collection activity. I demand that all the demands in this complaint be met. If they are not met, I will seek legal counsel, and you will be held responsible for the violations you have committed, with accountability under US Code 15, Section 1692k. I demand to be taken seriously, and I insist that Miller and Steeno , P.C . comply with the other demands within this complaint.
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| 09/18/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Let me be clear, Miller and Stenno, P.C., and XXXX XXXX XXXX XXXX : Your poor response to the complaint ( XXXX ) will not be tolerated. Not only is XXXX in multiple XXXX violations, but the previous party, XXXX, is also in major XXXX violations, as I made a complaint against that company in the complaint ( XXXX ). They violated U.S. Code 1692g, 15 U.S. Code 1692g ( A ), 15 U.S. Code 1692e, and 15 U.S. Code 1692c. I never received a 1692G letter or any documentation on this alleged account from XXXX. They harassed me with calls, and I had no clue who they were. I also demanded a XXXX XXXX XXXX, but they continued to call me after that was demanded.
Additionally, I want to emphasize that I never received anything from XXXX XXXX XXXX XXXX ; I didn't receive a XXXX letter from them. XXXX XXXX XXXX XXXX, you are in major XXXX violation, and it will not be tolerated. You are not above the XXXX regulations that you are governed by.
Secondly, I demanded a contract bearing my signature that would allow me to do business with XXXX XXXX XXXX XXXX and Miller and Stenno, P.C. I demand that information, and I want to make it clear that I will not do business with either of you.
Thirdly, it is disconcerting that you intend to exploit my personal information for dissemination among various entities. According to your purported document, multiple parties may possess my personal identifying information, none of whom have sought my consent or input in relation to this alleged transaction. Consequently, your actions border on an extortionate endeavor, thus contravening Title 15 of the United States Code, Sections 6801 A ) and B ) ( 1 ), ( 2 ), and ( 3 ). I hereby demand that you elucidate your intentions concerning my personal identifying information and delineate the measures you intend to undertake to safeguard said information.
A comprehensive investigation into XXXX XXXX XXXX XXXX has revealed a disconcerting pattern of duplicitous conduct. With the pile of CFPB complaints against you, it raises concerns about your continued operation. Your attempt to hire a lawyer, Miller and Stenno, P.C., to intimidate me over this alleged debt is laughable, especially with all the XXXX violations that your company has committed.
Fourthly, Miller and Stenno, P.C. sent me hearsay-scattered documents in the mail. I am demanding XXXX, made at or near the time of the alleged original transactions, attesting to the legitimacy of these alleged documents that you submitted as proof of this alleged account, pursuant to the XXXX ( XXXX ) XXXX XXXX XXXX against XXXX. I demand an XXXX from a competent witness to the signing of this signature enclosed, attesting that it is, in fact, my signature and was not robo-signed by any employee of your company.
I will end on this note : I will fight you to the ends of the earth, and you will not see a XXXX from me. Others may be scared of you, but I will hold you accountable for your violations, and I will not tolerate harassment, especially over something I do not owe. I demand that Miller and Stenno, P.C., and XXXX close this account within their office and cease collection activity. If you don't comply with my demands, I will enforce U.S. Code 1692k, and I will bring forth the case I have built against you.
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| 07/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Approximately around XX/XX/XXXX I received a installment loan in the amount of {$690.00}. I fell on hard times and defaulted on my loan. XX/XX/XXXX a garnishment was filed in court in the amount of {$1700.00} with XXXX percent per annum. I completed the payments for this garnishment on XX/XX/XXXX. On XX/XX/XXXX another Garnishment in the amount of {$2600.00} was sent to my employer. I contacted the collection firm Miller and Steeno PC out of XXXX XXXX MO to try to understand why I was being garnished again and I completed the last garnishment. I spoke with XXXX & XXXX, both these people stated that " it was the responsibility of my employer to contact them at the end of the loan to determine if there was an additional balance that needed to be paid '' and because they failed to continue payments I am now in default again and this continuous garnishment in the amount of {$2600.00} was due to interest accrued while making payments on the {$1700.00} garnishment. They also stated my employer should never stop making payments until they receive a debt settlement letter. As my employer stated, they cut the payments off once the requested amount on the garnishment is reached. My employer does not know to calculate interest into payments or to reach out to the collector to verify if there is still an outstanding balance. I did not know that that was something that had to be done. Unfortunately, I have been garnished before and this is the only company that has a continuous garnishment requesting ridiculous amounts of money when the principal amount has been paid plus more. The collection agency Miller & Steeno also stated to me that the next statement of judgement will be sent 6 months from the date of this second garnishment which they have a 6 month date of XX/XX/XXXX on my Statement of Judgment Balance remaining. This will continue to be an ongoing process as each continued garnishment accrues interest as I am making payments, so it will never stop I will always have a balance unless I make a lump sum payment that I can not afford to make, I do not have lump some money to give. I take full responsibility for defaulting on my loan and accepted that I had to pay back {$1700.00} as a result ; but at this point this will continue to be a thorn in my side like a never ending story as every time I complete one garnishment there will always be a remaining huge balance due to the huge amount of interest accumulating at a ridiculous rate for as long as I take to make the payments to settle one continuous garnishment. I can not for the life of me understand how this is legally possible to get a {$690.00} loan and to have to pay back at this point I'm at {$4400.00} and that amount will get bigger as the interest at XXXX percent per annum will continuously accrue while I am trying to make payments to satisfy each judgment. This is extremely heartless and straining on consumers trying to maintain in life.
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| 10/25/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Miller and Steeno, P.C & XXXX XXXX XXXX your uncooperation is unacceptable and you are not above any law. You can't even answer me point by point. Everything you have said about me is all hearsay and I won't tolerate the harassment you have continued to show towards me. As I explained in the previous complaints I am not scared of you, and I will face you cowards head-on. I might add this is the most unprofessional law firm or " debt collectors '' whatever you call yourselves. Your client XXXX XXXX XXXX has many claims against them and many cases where they have lost because of the violations they have made. Not to mention Miller and Steeno , P.C . and its entities have lost many cases and is no stranger in violating the FDCPA. One example is Robin v. Miller & Steeno, P.C. I will make myself clear Miller and Stenno, P.C. you have violated the FDCPA, CFR, and ABA rules. Just so you remember I will quote a harrasing false and misleading statement you made about me on public record " XXXX XXXX is merely attempting to engage the CFPB in an effort to avoid paying his debts. '' So let me tell you what you have violated here 12 CFR 1006.14 ( a ) ,15 U.S. Code 1692e,15 U.S. Code 1692d, and ABA Rule 7.1 ( 4 ). Not only that you have committed defamation. Again to make myself clear I will take further action to protect my rights if my demands are not met. In the event that you resort to legal action, know this : I will demand thorough information during the discovery process. I will pursue this matter relentlessly, fighting to the ends of the earth to protect my rights. I demand that you close this account within your offices, I demand to see XXXX XXXX XXXX 's XXXX BAR License Number and XXXX XXXXXXXX XXXX license, I demand that you cease all collection activity, and stop any further harassment. Failure to comply will hold you responsible for the violations you have committed, and I will not hesitate to seek legal counsel to protect my rights. You will not extract a XXXX XXXXXXXX from me, especially over an alleged debt I do not owe.
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| 10/09/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Who the XXXX does Miller and Steeno , P.C . think they are, making misleading and false statements about me? Let me make this crystal clear to you XXXX : you might get away with preying on others, but you won't pry on me or harass me with your XXXX comments. Congratulations, you've managed to pile up even more FDCPA violations and break the rules you're supposed to follow under the XXXX XXXX XXXX. Your XXXX XXXX might believe you're above the law, but let me assure you, you're not. You've trampled all over 15 U.S. Code 1692d, 15 U.S. Code 1692e, and ABA Rule 7.1 ( XXXX ).
I won't stand for your XXXX garbage and the garbage you've spewed about me. The CFPB exists because XXXX like you need to be reined in, and I have every XXXX right to question you, especially about alleged debts that I sure as XXXX don't owe. And let 's not forget, not a single one of my demands was addressed in any of my complaints against you. Oh, and let 's not leave out that XXXX XXXX XXXX conveniently " forgot '' to provide his XXXX BAR License Number and XXXX state law license. Well, guess what? A Bar complaint is heading straight for Miller and Steeno, P.C., and XXXX XXXX XXXX better start complying with the demands in this complaint.
I demand that you immediately close this file in your offices, cease your collection activity, and stop this relentless harassment. If you have any sense left, you'll start complying, because I'm not messing around. When I told you I'd fight you to the ends of the earth, I XXXX well meant it.
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| 01/08/2018 |
No |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I may arrangements to pay XXXX dollars a month on debt with agreement to check in see if I was in position to make larger payments. Today XX/XX/XXXX I called to see amount still owed. The representative I spoke to asked if I could do a higher amount..I looked and offer XXXX a month. She said she would discuss it and call me back. When she did..she said she could only do XXXX a month.. my payment of XXXX a month was expired according to them, I had planned and budgeted for XXXX this month. She said she had to have XXXX this month or further legal action would follow. She stated that what she was setting up for that and if I did n't pay XXXX on XX/XX/XXXX I would default and more unpleasant action would follow. My original amount I owed was XXXX dollars after paying XXXX for over a year or better my total amount left to pay is was over a thousand. That was XXXX plus fees on account.
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| 08/04/2016 |
No |
- Debt collection
- I do not know
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- Improper contact or sharing of info
- Contacted employer after asked not to
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Web |
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I have been sued with no paper service, found guilty by default ( because I did not know about a court appearance ) and have had and continue to have XXXX dollars garnished from my wages for debt that I am not sure is even mine. The amount garnished ( over {$400.00} each XXXX week pay period ) barely leaves me money for bills and groceries. It always seems to Miller and Steenos that are collecting these. I do n't have a clue about any of this until I get a notice from HR that another garnishment is in effect. Once they get a judgement they seem to continually find more, real or otherwise. Any help will be greatly appreciated.
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| 09/10/2020 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Miller and steno based in XXXX XXXX Missouri have been actively taking any debt with my or my wifes name, They have sued us and garnished our wages over a case, from 2017 never sent us a notice of debt being paid off and now are trying to collect the same debt alleging it was never paid, My wife works for a company that keeps records of her paycheck stubs, they were hoping we forgot and are trying to take close to XXXX more from us for a debt that has already paid. They were at one point calling us threatening that our credit scores would be harmed if we did not pay them.
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| 12/13/2018 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I responded to the letter I received XXXX-2018. They dated the letter XXXX-2018 and didn't mail it until XXXX-2018. They received my letter on XXXX-2018. I told them I required proof of the contract within 30 days along with their proof they are not a scam and told them I would only communicate through written means. They continue to call my phone and my former employer. I want the harassment to stop. They also left a nasty voicemail threatening to take me to court and garnish my wages. I have resolved this with the original creditor already.
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| 03/09/2018 |
No |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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A judgment was filed against me by an attorney on behalf of XXXX XXXX in XXXX. In XX/XX/XXXX, the judgment was declared satisfied due to the judgment not being revived within the statute of limitations. In XX/XX/XXXX, I received a letter from the same attorney demanding payment.
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| 03/19/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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MILLER & STEENO XXXX, XXXX XXXX XXXX, Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX This firm put a garnishment on my checking account with XXXX XXXX XXXX on XX/XX/2019.
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| 09/22/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Received notification of alleged debt from Miller and Steeno P.C. on XX/XX/2019 in the amount of {$2300.00}.
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| 04/15/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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| 11/08/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Referral |
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| 10/06/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Referral |
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| 04/20/2021 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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| 02/27/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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| 08/08/2019 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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| 01/23/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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| 05/11/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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| 02/22/2018 |
No |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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| 06/21/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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| 05/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 08/07/2015 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Referral |
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| 04/03/2015 |
Yes |
- Debt collection
- Credit card
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- Improper contact or sharing of info
- Contacted employer after asked not to
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Web |
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| 01/02/2015 |
Yes |
- Debt collection
- Credit card
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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| 03/23/2014 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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