| 07/19/2019 |
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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Got sued by Nelson and Kennard over XXXX XXXX XXXX debt in California so I called them and worked out a settlement agreement which totaled {$4300.00}. Agreement over phone states 1st payment of {$1300.00} was made on XX/XX/XXXX and 10 additional payments of {$300.00} was to be paid off for the next 10 months. 1st {$300.00} payment was made on XX/XX/XXXX so final payment of {$300.00} was to be paid off in XX/XX/XXXX.
I specifically asked if I could possibly pay this off even sooner before the deadline in only a few payments. For example, {$2100.00} for two months which would've completed our agreement of {$4300.00} total. Was informed that it absolutely made no difference as long as it's completely paid off on time. They stated besides our scheduled due date per month, I can call them anytime to provide payments of any amount as long as total is collected by deadline which is XX/XX/XXXX. Also mentions to me if there were any issues at all regarding payments, notify them to immediately with updates so no misunderstanding would ever occur. Makes sense and simple enough.
I paid a total of {$3200.00} so far but a mistake caused by Nelson and Kennard had completely derailed my payment plan and they made it impossible for me to pay off debt on time. Towards end of year, I called and asked if my scheduled payment date could be postponed to a later date for a particular month. Notified them that my checking account did not receive funds on time so it was insufficient at the moment. They agreed and postponed the scheduled payment to a later date. Phone rep even provided me confirmation by verifying our new scheduled payment date to make certain everything was perfectly clear as agreed on both sides. No hassles at all and went perfectly well.
Or so I thought. Turns out, they went and charged me on the SAME original date regardless anyways! The original date of collecting payment was supposed to be postponed as agreed because I specifically notified them of insufficient funds. Naturally, my checking account was now in the negative and I got hit with multiple overdraft fees. In utter disbelief, I called and inquired how could this have possibly occurred because we all took precautions to avoid this. A later date was already scheduled and noted by both parties so I was shocked and confused as to how this was handled.
They provided no explanation whatsoever as to how the error occurred OR even offered an apology which was very suspicious. The only thing they casually offered was a refund of the early XXXX charge and to cover the overdraft fee. Requested I go online to my checking account and provide them proof that I was in fact charged. They wanted pictures as proof to document this timely investigation and informed me to fax or email evidence of early charge.
Did exactly as they instructed and this whole ordeal took WEEKS to resolve! By the time they finished their investigation, I was hit with additional over draft fees by my bank. Monthly storage, XXXX XXXX and other businesses were charging me and my balance was still in the negative! Each time they charged my negative balance puts me in a deeper hole. And when my refund check finally came in the mail, Nelson and Kennard wanted it right back! What is this!?
Keep in mind with all those overdraft fees in my negative balance, my refund check basically went to cover that. Had they simply not charged me early as agreed, I wouldn't be in this financial loss. The refund money I got back or what's left of it was now insufficient to pay off Nelson and Kennard for the month. So take a wild guess what they conveniently did. Ready?
They decided that I fell off my payment plan and canceled my agreement early when I still had time left. Remember my deadline was in XX/XX/XXXX to pay everything off? They canceled my agreement in XX/XX/XXXX ( a month early ) and denied me the entire duration of our agreement to pay everything off. Not to mention, the duration of our agreement was conveniently cut short due to the time consuming error of the early charge! Which opened an investigation and a refund process which not only delayed valuable time, it wasted my money to pay off overdraft fees issued by my bank! All this puts me in a bigger hole than before and systematically derailing my payment plan for the month. It's actually a pretty clever form of sabotage.
Instead of charging me on the postponed date as agreed, they intentionally charged me on the original date which they KNEW was going to cause problems due to insufficient funds. By opening an investigation to resolve a matter they deliberately caused, valuable time to pay off my debt was sacrificed. Even more time atop of that was wasted for the entire refund process to be completed. And once I received the refund, they immediately wanted it right back. So the error they caused not only took precious time away, they wasted my money by creating a negative balance which I had to mandatory supplement with the refund. This critical mistake was maliciously planned to intentionally derail my success of paying off debt on time. It's a very deceptive practice and they falsely accuse me of being at fault.
All the money I was paying them previously was confiscated and they transferred my full debt to another company for collection. Meaning, Nelson and Kennard are keeping my {$3200.00} for themselves and I must now pay an additional {$4700.00} to a new collection agency which have already sued me for the amount. How about that?
I called Nelson and Kennard for a little detective work. Many of their agents agreed that mistakes were caused on their behalf which I have recorded with an app as evidence. One mistake being the early charge and another mistake is conveniently the early cancellation. Coincidence? Early charge AND early cancellation? Two identical mistakes executed in a similar fashion. Could they possibly make things any more obvious?
The combination of these 2 errors back to back made it impossible for debt to be paid on time. They sabotaged me with a series of problems that consumed valuable time and unfairly used it against me with false claims. In conclusion, I was extremely mislead with deceptive practices and ripped off.
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| 05/11/2018 |
Yes |
- 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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This complaint is regarding XXXX XXXX XXXXXXXX and their continued callousness and bullying tactics against me. I filed a complaint with your agency against XXXX XXXX XXXX on the XX/XX/XXXX. I was very descriptive and gave you various examples of how I was taken advantage of and being bullied on paying an account by XXXX XXXX XXXX as well as the people I had hired to assist me with resolving my debt a few years ago. I had described how I made all my payments as agreed upon with my debt consolidation company in order to settle with all my creditors until I made my last payment to the law group assisting me. After I made my last payment to them, they decided to cut me loose and fend for my own against the last creditor I had left which was XXXX XXXX XXXXXXXX.
From my understanding, my attorneys and XXXX XXXX XXXX had agreed on me paying {$5300.00} in 12 payments of {$450.00} to settle the debt. I ended up paying a total of {$3600.00} before my multiple year agreement with the attorney group had been fulfilled and they cut me loose. There was only a {$170.00} balance left and I would have been in the clear. After everything had transpired the way it did, I actually DID try and talk to XXXX XXXX XXXXXXXX but they didn't want to speak to me because their records showed that I was being represented by a law group and they couldn't speak to me. As an uninformed consumer back then, I gave up rather quickly. Now a few years later when I call XXXX XXXX XXXXXXXX or rather I should say Nelson and Kennard who is representing XXXX XXXX XXXX in this matter, they refuse to work with me. I filed my original complaint against XXXX XXXX XXXXXXXX in a pleading manner so that maybe they could see what was going on and step in but instead they proved to me their shallowness and callousness by simply writing that " We understand the importance of listening to you, our customer. We appreciate the time you took to share your concerns. Below is a summary of our research and response to your concerns. '' " XXXX XXXX XXXXXXXX currently retains ownership of your account ; however, we have forwarded your account to an outside agency for further assistance in collection efforts. Because your account has been referred to another agency, any future correspondence or to make payment arrangements must be addressed to the agency managing the account.
You may contact Nelson and Kennard directly at XXXX.
WOW! If that isn't a slap in the face then I don't know what is. They are basically saying that we took the time to listen to you but were not going to help you. Go deal with Nelson and Kennard instead. They are feigning ignorance on this account and basically saying that Nelson and Kennard will take care of this matter for them and so they have nothing to do with this account. What they aren't telling you is that any deal I attempt to make with Nelson and Kennard is being funneled to XXXX XXXX XXXX to make decisions on. When I spoke with Nelson and Kennard to offer the remaining amount I had left when I was enrolled in the debt consolidation program, Nelson and Kennard stated they would ask XXXX XXXXXXXX XXXX for an approval or denial of my settlement offer first. They then came back and told me that XXXX XXXX XXXX had denied my offer. Basically, XXXX XXXX XXXX is still making all the decisions on this account. If they are the ones making the decisions on any offers being made, then why am I dealing with Nelson and Kennard? Why is XXXX XXXX XXXXXXXX asking me to work with Nelson and Kennard instead of just answering me directly especially when I took the time to file this complaint in the first place? Do you now see how XXXX XXXX XXXXXXXX is just bullying me and not caring about my situation in the slightest? They didn't even present a counter offer but rather wanted me to pay whatever I owed or at least that is how Nelson and Kennard made it seem.
Again I am asking you to assist me in this matter. I have no one else to turn to and I can't afford to pay XXXX XXXX XXXX in full. That's why I had enrolled in that debt consolidation program that took me 2 years to complete in the first place and that was when I had stable employment. Please help me in this. I am attempting to fulfill the agreement that was set up for me or something close to it, but I am instead just being bullied by XXXX XXXXXXXX XXXX and Nelson and Kennard.
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| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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If applicable, please cancel prior cease & desist conditions ( except TCPA ) on the account. Your organization is to communicate with me ONLY for the purposes of providing information for my records and to show sources of your reinvestigation. Collection is not permitted while I consider the account to be a billing error. I have attempted to notify you of the billing error but was unable to find the accurate address for billing inquiries as required to be listed on your periodic billing statements per disclosure as required under 15 U.S.C. 1637 ( b ) ( 10 ). I tried sending a billing error notice, but never received anything in response and no agents conducted an investigation to my knowledge.
I have reason to believe the department receiving my billing error notice merely sent me period billing statements instead of the documentary evidence I requested as defined in 15 USC 44 ( a right conferred to consumers by the FTC Holder Rule per 16 CFR 433.2 ). I am entitled to documentary evidence to clarify the charge-off allegation and for other tax purposes since the error is computational in nature, resulting in misapplied credits.
No adverse reporting, closure of the account, or collection activity is permitted per rules pending resolution. I wish to initiate the billing error using the account number as listed on my consumer reports.
Please provide copies of the following information : All billing statements from the date of account opening A list of people you have sent my personal information to The Gramm-Leach Bliley disclosures A copy of the 1099-C cancellation of debt, if applicable Date of First Delinquency Date of Last Activity Mailing address of your registered agent Fax number for correspondence ACDV and AUD forms from all reinvestigations In order for XXXX XXXX XXXX XXXX . to report an account as a charge-off it is required by 26 CFR 1.166-2 that XXXX XXXX XXXX XXXX . received documentation in writing from the authorities confirming that the charge-off is subject to specific order.
There is a comment on my XXXX report indicating a reported as a loss by the credit grantor yet I have not received a 1099-C. I demand strict proof thereof via a certified copy under penalty of perjury that XXXX XXXX XXXXXXXX, XXXX. received written permission from the regulating authorities to charge the account off. I demand evidence in the way of the FAS-140 ( previously FAS-125 ) or the state equivalent of the same writing as described by Title 26 IRS code ( both CFR and USC ), complying with required accounting practices and under penalty of perjury.
I hereby issue an authenticated request for an accounting and request regarding a statement of account on par with Colo. Rev. Stat. 4-9-210, and require authenticated accounting and authenticated approval or correction to the statement of account within fourteen days. The correction is to account for any tax credits, insurance payoffs, or set-offs by way of application of unearned finance charge, unearned discount, or unearned interest.
If the reinvestigation determines the information is not reporting to the maximal standards of accuracy required to meet the privilege of reportability, immediately remove the tradeline from my consumer reports ( including but not limited to XXXX, XXXX, XXXX, and XXXX ) while you conduct a reinvestigation compliant with reasonable procedures for data furnishers.
Cease all collection activity including but not limited to communication through consumer reporting agencies as reporting is considered a form of communication and collection activity.
I believe 14 days is a reasonable amount of time to gather this information. I look forward to your complete compliance. Please forward all correspondence regarding this matter to the address provided to the CFPB.
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| 03/04/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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Her Male Genitals, His Female Genitals this is the rallying cry for those suffering transgender discrimination and oppression. XXXX XXXX founded the CFPB to protect the innocent from the cruel tyranny of subjugation by the XXXX Banks, especially XXXX XXXX XXXXXXXX, XXXX, and rogue collection agencies such as Nelson & Kennard. The pattern of appalling discrimination, civil rights violations and hate crimes against transgender people by XXXX XXXX XXXX, XXXX and its affiliates & assigns unfortunately continues.
XXXX XXXX has suffered horrifying discrimination, intimidation, humiliation and now suffers from XXXX from this outrageous tort of Intentional Infliction of Emotional Distress committed by XXXX XXXX XXXX and XXXX XXXX XXXX of Nelson & Kennard, who are proxies and contracted subordinates of Bank XXXX XXXX, XXXX. Its not just what was said, it was their actions and inactions that followed.
From XXXX to Washington DC, there is a cry against ignorance of State and Federal Laws protecting the LGBTQ Communities. Its not just their violations of the Fair Credit Reporting Act and Consumer Prejudices that are holding the people down and keeping them victims.
Discrimination and the abuses against transgender people, people of XXXX, protected classes, victims of abuse, Human Rights abuses, XXXX XXXX XXXX and others must all be stopped, and these violators must be held accountable. What about the rights of these victims? Under California and Nevada law, transgender people are protected and treated like human beings.
Tendering it off to subordinates, and each of them, to continue the bullying and harassment is a tactic these types often use to deflect attention away from their own wrongdoings. In this case, XXXX such subordinate is XXXX, XXXX XXXX, Nevada XXXX XXXX # XXXX. A complaint is also awaiting in Nevada for disciplinary action for violations or misconduct. Commission of discriminatory actions against a transgender person.
A complete and thorough investigation and reporting to the media is warranted under Nevada laws and social justice standards protecting LGBTQ rights against hate crimes. The other accomplice by assignment is his superior, XXXX, XXXX XXXX, CA XXXX # XXXX, for lack of supervision over his subordinates for their continuation of rights violations or misconduct.
XXXX XXXX said : It is the policy of my Administration to prevent and combat discrimination on the basis of gender identity or XXXX orientation, and to fully enforce XXXX XXXX and other laws that prohibit discrimination on the basis of gender identity or XXXX orientation. It is also the policy of my Administration to address overlapping forms of discrimination. Sec. XXXX. Enforcing Prohibitions on XXXX Discrimination on the Basis of Gender Identity or XXXX Orientation. ( a ) The head of each agency shall, as soon as practicable and in consultation with the Attorney General, as appropriate, review all existing orders, regulations, guidance documents, policies, programs, or other agency actions ( agency actions ) that : ( i ) were promulgated or are administered by the agency under Title VII or any other statute or regulation that prohibits XXXX discrimination, including any that relate to the agencys own compliance with such statutes or regulations; and ( ii ) are or may be inconsistent with the policy set forth in section XXXX of this order. ( b ) The head of each agency shall, as soon as practicable and as appropriate and consistent with applicable law, including the Administrative Procedure Act ( 5 U.S.C. 551 et seq. ), consider whether to revise, suspend, or rescind such agency actions, or promulgate new agency actions, as necessary to fully implement statutes that prohibit XXXX discrimination and the policy set forth in section XXXX of this order.
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| 07/07/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Keep getting calls about my loan
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Web |
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I am being sued by Nelson and Kennard. I reached out with an offer to pay. They received it XXXX XXXX, XXXX ( See attached : Verified Good Faith Offer to Pay ). I required that their acceptance of my offer be in writing. In the document, I said : " The undersigned respectfully requests this valid sought-after information to be timely presented to the name and location mentioned herein within a reasonable ten ( 10 ) days as time is of the essence '' ( See page XXXX of attached : Verified Good Faith Offer to Pay ). I received no written response to my offer from Nelson and Kennard.
I wrote again to Nelson and Kennard in an attempt to resolve the matter. In my letter of XXXX XXXX, XXXX, I said : " Because of the amount owed and my reliance on the Statute of Frauds requirement stating... it was vital that any negotiation to resolve the debt be in writing. You received my request in writing to this effect on XXXX/XXXX/XXXX ( see U.S. Postal Service Return Receipt attached ). You have not complied with my written request sent to you by certified mail as you are obligated to do ( 15 United States Code sections 1692c ( 1 ), 1692c ( c ) & 1692d ( 5 ) ; California Civil Code section 1788.11 ( d ) & ( e ) ). Indeed, XXXX XXXX XXXX, who represents that he is an agent of your law firm, has contacted me by phone on nearly a weekly basis. He recently called and left voicemail messages on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and on many occasions during XXXX. Please do n't keep harassing me by phone. I have previously requested that communications sent to me be in writing. '' ( See page XXXX of attached : XXXX XXXX, XXXX Letter ).
In his reply, Attorney XXXX XXXX stated that my letter was " received in our office on XXXX XXXX, XXXX '' ( See attached : Letter from Attorney XXXX XXXX ). On XXXX XXXX, XXXX, XXXX XXXX XXXX, who represented that he is " from the law offices of Nelson and Kennard '' called me and left me a message requesting that I call him back.
Attorney XXXX XXXX referenced " numerous attempts by our office to resolve this matter by leaving your voicemail messages requesting a return call.... The aforementioned telephone calls were attempts to resolve the debt. Please call our office at the telephone number listed above so that we can resolve this matter.... '' The " attempts '' by Nelson and Kennard to resolve the matter have been by telephone. The only means of resolving the debt that they offer is that I " call '' Nelson and Kennard " at the telephone number. " The Telephone Consumer Protection Act of XX/XX/XXXX ( TCPA ) requires " prior express consent '' for a creditor to call a consumer 's cellular phone in an attempt to collect a debt. The FCC has pointed out that the cell number had to be provided during the transaction that resulted in the debt owed. I gave no such " prior express consent '' to use the present cell phone number. In addition, I have in writing explicitly limited communications and attempts to resolve the matter : all communications must be in writing ( See page XXXX of attached : XXXX XXXX, XXXX Letter ). Nelson and Kennard has not honored my request.
I do wish to resolve this matter ; however, I do not wish to be limited in a way that my only recourse is to do so over the phone! By refusing to timely respond to my written communications in writing, and only offering to resolve this matter by phone, this is what Nelson and Kennard ( Attorney XXXX XXXX ) appears to be attempting to do.
Thank you for your attention to this concern.
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| 01/15/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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XX/XX/XXXX To FTC Secretary, Dear Secretary, my name is XXXX XXXX a local from XXXX, CA and a proud veteran of this great country. In XXXX I was a victim of Identity theft. My creditor XXXX XXXX XXXX was aware of my situation and never followed up with an investigation. It was my understanding after speaking with a XXXX XXXX XXXX fraud specialist, that my account was on HOLD until further notice pending investigation. On record there are at least 5 different occasion I called XXXX XXXX XXXX informing them of the fraudulent activity on my account. At one-point XXXX XXXX XXXX even sent me a Credit Card with a different name on it. Same account number but different name. Again, I called back to correct their mistake. Then, about 60 days ago the fun begins. I received a letter from my employer that a levy has been put on my salary of {$1100.00} a month or {$550.00} biweekly. I immediately rushed to pay roll and found out that my Credit Card account from XXXX XXXX XXXX had been sent to collection and that was being sued by Attorney at Law Nelson & Kennard. A law office out of XXXX, California. Not knowing who to turn to I started making calls to XXXX XXXX XXXX and Nelson & Kennard. Mind you, that I work 10 hour shifts I get 2 fifteen-minute breaks and a half hour lunch, and my commute is XXXX miles roundtrip daily. The average holding time to speak to an associate who can lead you into the right direction is about 45 minutes. And even then, 9/10 they redirect your call multiple times. So, after hours on the phone with XXXX XXXX XXXX their fraud specialist informed me that there was nothing, they can do for me cause my case was with the Law office. So then, I called the Nelson & Kennard trying to speak to XXXX XXXX XXXX or XXXX XXXX XXXX so that maybe could figure out this together. Again, I was never served or given any notification, nor I sign any legal document acknowledging I was aware I was been sued by this law firm. So, after a 90-minute hold time and multiple phone transfers. I was informed by the firm that Mr. XXXX or Mr. XXXX does not receive phones calls from people like ME! So, I was asked to speak to an associate and explain my situation and that I wanted an opportunity to temporarily stop the levy or reduced it until my investigation was finish. And after another half hour with her, she informs me that she not a license lawyer and there was nothing she can do because she was just a secretary. Then she advises to summit a request to the Law firm to bring down the payment of {$550.00} a paycheck to {$200.00}. After summiting numerous requests, I was informed it would take 4 business days to hear back on my request. These conversations took place XX/XX/XXXX. 6 paychecks later and {$1100.00} less from my monthly income has put me on the verge of bankruptcy. Just this paycheck just with my mortgage of {$1500.00} and {$600.00} childcare responsibilities have put me in the negative - {$200.00}. Not including the {$60.00} in gas I spent commuting to work every 3 days, not including food, water, gas that is necessary to sustain my household. My question to you is, is these how it is with average citizen? I have not been given a fair chance. Both the Law office and XXXX XXXX XXXX keep telling me it is what it. I have missed my XXXX and XXXX home mortgage payments. Please I am begging for help. I have written to my congressman and senator and even the State D.A. and have not received a single courtesy phone call.
Thanks, XXXX XXXX XXXX Nelson & Kennard XXXX P.O Box XXXX XXXX, CA XXXX XXXX File : XXXX
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| 07/26/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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On XX/XX/XXXX without notice levied {$32000.00}. The case number is XXXX.
I filed an exemption claim within time frame allowed by law.
I am XXXX on XXXX XXXX XXXXXXXX. I also received a personal injury settlement from my former employer on XX/XX/XXXX. Settlement was due to inability to work because of XXXX and XXXX XXXX.
I have a family of XXXX. XXXX boys, XXXX, XXXX and XXXX years old. I am married.
I own one real estate property and it is my primary residence in the state of California.
This is my 2nd complaint.
One day before my exemption hearing, XXXX XXXX XXXX 's legal representation, Nelson and Kennard filed a 2nd attempt to levy my property. Case number XXXX P.
I submitted a complaint approximately 3 weeks ago to your agency.
I am sending a 2nd because the actions of both XXXX XXXX XXXX and Nelson and Kennard should be considered as harassment and predatory in nature.
Plaintiff is well aware of my financial situation. I submitted a financial statement showing I am upside dwon {$7500.00} to {$8000.00} each month. I am using personal injury settlement ( exempt ) to cover deficit. The settlement amount was supposed to cover my family for 24 months ( beginning XX/XX/XXXX ) with the hope I could return to work within that time period.
I had major XXXX XXXX on XX/XX/XXXX, my wife was in a serious car accident on XX/XX/XXXX ( she was injured ). Her work vehicle was totaled. Then XXXX XXXX XXXX levied {$32000.00} on XX/XX/XXXX.
I am down to less than {$5000.00} of total available liquid funds.
Not able to return to work in near future. may require XXXX XXXX and possible XXXX XXXX XXXX.
Before XXXX retained council, I spoke with XXXX agents on a half dozen occasions. I explained if I could settle for a negotiated. amount I would do so. XXXX kept harassing me, I continued to take their calls and re-told the same story.
I have been with XXXX credit card services for approximately 30 years. Paid monthly credit card bill in full with little exception. Less than 10 times I forgot to pay bill on time, accumulated minimal interest, paid bill. By and large I paid monthly charges in full.
My credit limit was {$20000.00}.
When I lost job accumulated higher amount of monthly charges, XXXX without my written or verbal permission raised my credit limit to approximately {$50000.00}.
This is a predatory tactic. I was in the middle of dealing with losing my mother, my job, dealing with health problems, not paying off monthly bills. And they raise limit at a time most banks would not.
First, limit should not be raised without permission from card holder. Second, the timing is suspicious and predatory. Why not raise it during the two plus decades when I was paying off monthly balance? I think we all know the answer to describe their timing.
Nelson and Kennard have all the documentation showing XXXX payments and injury settlement. They know I'm down to my last {$5000.00}. They know I don't have the money to hire council.
So, they make further attempts to increase the stress in my life, push me into further physical and emotional distress. Why?
I don't have any money. I need the {$32000.00} levied on XX/XX/XXXX to be returned to my account. Otherwise I can't put a roof over my families head. Barely have money to purchase groceries, pay for medical bills.
Yet, they file a 2nd levy a day before my hearing.
Despicable.
I am responsible for the debt, this I know. I am not responsible for the suspicious increase in my credit limit.
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| 09/08/2017 |
Yes |
- Debt collection
- Auto 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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In XX/XX/XXXX, my boyfriend at the time and I traded in a leased XXXX XXXX for a XXXX XXXX XXXX. The XXXX lease was in over mileage, and due to the persistance and smooth talking ways of the District Sales Manager of XXXX XXXX in XXXX, XXXX, I signed the sales agreement to trade the XXXX in for the XXXX with the understanding that the over mileage was included in the price of the XXXX. The deal was, according to him, to put the overmileage amount from the XXXX lease into the price of the XXXX. The price in XX/XX/XXXX of the XXXX XXXX was {$24000.00}. I remember wanting to read the sales agreement before signing, but was told it was all just procedure and a standard form and there was no time to read it all. We were conned and I realized it when I received my first bill from XXXX XXXX XXXX telling me I owed for over mileage. After repeated calls and letters to XXXX XXXX, XXXX XXXX XXXX, and the BBB, I went to a lawyer. By that time it was XX/XX/XXXX/XX/XX/XXXX and he took my case and said he had had cases with this dealership before and that " they do bad things ''. I had received a XXXX XXXX judgement from XXXX XXXX XXXX in XX/XX/XXXX for {$2000.00} and the original over mileage cost was around {$1600.00}.
In XX/XX/XXXX, we moved to XXXX. After speaking with our lawyer, we decided to drop the case because we could not afford plane flights across the country to fight this. We were living pay check to pay check and had no money, ever, and I was easily persuaded by my boyfriend ( hence buying the XXXX in the first place, in my name ). The fact still remains that we were lied to. I refused to pay for something I was lied and conned into.
In XXXX, I was served a XXXX County XXXX judgement for almost {$4000.00}, from Nelson & Kennard Debt Collection Law Firm. In that time of my life i was in exhuberant amounts of debt. I was paying off his debts, my debts, and paying car loans and rent by myself because he was in jail. Paying a debt of {$4000.00} that we were conned into in the first place was out of the question. Unfortunately, I was also conned by my boyfriend. In XX/XX/XXXX I finally separated from him and have been working to repair my credit ever since.
In XX/XX/XXXX, I received another letter from Nelson & Kennard for XXXX XXXXXXXX. I Sent letters defending my case.
XX/XX/XXXX, I realized my wages were being garnished and the most recent amount of the judgement is {$8100.00} as of XX/XX/XXXX. I called XXXX County Civil Court and the woman could not find my case # and told me my wages could not be garnished if I work out of state. (? ). I work in XXXX XXXX, XXXX and the case was filed in XXXX. My ex boyfriend had all the paperwork and has been gone for 10 years, so we recently paid the XXXX XXXX Courts to send all documentation and are considering counsel.
I was diagnosed with XXXX XXXX in XX/XX/XXXX and then to add salt to the wound, had an XXXX XXXX XX/XX/XXXX, followed by 2 XXXX which caused me to be out of work for a month and 2 weeks in XX/XX/XXXX and XX/XX/XXXX. I have over {$40000.00} in medical bills and will continue to receive them well into XX/XX/XXXX.
I do n't understand why Nelson & Kennard wo n't settle. This has never been on my credit report which I find odd.
Thank you so much for your time, Any and all help is greatly appreciated.
Sincerely,
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| 05/18/2015 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Threatened to take legal action
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Web |
Older American |
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I had been paying on a credit card that I had for my business, although the card is in my personal name. After I closed the business, I came to an agreement with a collection company to continue making payments. I lost my job at the end of XX/XX/XXXX but continued making small payments to the company. I was making these payments with money from Unemployment Compensation, which I received for 6 months. I was not having success in finding work so decided to go back to school to change careers.
I received a notice from the collection agency/attorney that they would be filing a lawsuit if I did n't settle on the account. I contactedthem and spoke to XXXX XXXX ( with whom I had been working for quite a while when I was making payments ). I wanted to come up with some kind of deferment or plan that was workable now that I am no longer working. Because I felt an impending threat, I offered to make a {$1000.00} payment after speaking to friends to come up with the money. XXXX XXXX said that they could take the money then and have a monthly amount that would increase over time. I did not want to make that commitment over the phone and asked him to send me a copy of the agreement. He agreed to this. In the conversation, it was implied that the legal action would not proceed while I was waiting for a copy of the suggested payment plan. They took my money, which I presumed was a sign of good faith from me.
The only money that I am receiving now is from student loans that I have taken out to go to graduate school. Any money in my bank account has come from these loans.
I assume that XXXX XXXX XXXX has since written off the account balance. There have been many collection agencies I have made payments to for this account and it seems that each company has gotten more and more aggressive with their collection tactics.
This is n't the only debt that I have remaining from the closure of my business. I have made small payments to various collection companies for several debts. When I was working, I was able to settle on some of them, or pay them off completely.
I am now in a situation where I will not be able to earn income until I graduate in XXXX or XX/XX/XXXX. The program I am enrolled in is very rigorous and does n't allow me time to work. I am XXXX years old so I do n't have the energy that my fellow students have, and it takes all of my time to complete my schoolwork.
I feel that this company has been very aggressive with me. I have made payments when I can and they have kept applying pressure. After I received their latest communication ( packed into a very small envelope. I opened it with the expectation that it was finally the contract that I had requested ), I was not able to sleep well for XXXX nights.
It has never been my intention to file bankruptcy. I have worked very hard to avoid it but feel that companies like this, and their pressuring tactics, are driving me to this. I feel harassed and taken advantage of.
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| 09/13/2021 |
Yes |
- 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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On XX/XX/2018, I was in XXXX XXXX, XXXX, with my husband on vacation. We were approached at our resort by a representative of XXXX XXXX XXXX, a timeshare/travel club. They attempted to sell us a membership in their club, and we initially agreed. The person identified as a Manager approached us and the salesperson and stated they have direct relationship with XXXX XXXX XXXX and would open a credit card to charge a down-payment for the travel membership account. We returned the day after and notified the same manager who spoke with us that we're not interested in becoming members due to some suspicious and negative reports we had read about that company on the internet, and under XXXX Laws, we had 72 hrs to change our mind. We were advised, that no problem, your membership is hereby cancelled and refund will be issued to the XXXX XXXX XXXX account. We DID NOT USE any of the offers allegedly included with that membership Whatsoever. We returned to the XXXX 3 days later. About a month passed and we received the statement from XXXX XXXX XXXX and contacted the credit card company to advise them that the only charge on that account should ve been refunded, and they told us to deal with the XXXX XXXX first to check on status. We tried to get ahold of someone in their customer service to no avail. We made a couple of payments on the credit card account to avoid getting charged late fees and negatively affecting the credit score. The dispute continued for over a year. We could provide any additional documents to XXXX XXXX XXXX as none were provided to us. Multiple reports circulate on the internet about fraudulent and deceptive methods used by this company in XXXX, attempting to defraud primarily American tourists. We have exhausted all attempts to clear this up with XXXX XXXX XXXX. The charged off the account and at this point are attempting legal recourse through potential lawsuit. XXXX XXXX resorts later attempted to collect on XXXX!! more for supposedly not living up to the terms of their membership contract through a California based collection agency. However, after threatening legal action and filing a complaint with the Attorney General of Colorado and California, they seized all contact and never reported this account to any of the credit reporting agencies. Please assist us in this matter, as XXXX credit reporting agency advised us to do so. You can reach us by XXXX or XXXX, thank you.
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| 11/21/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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The issue is that I have been a victim of identity theft. My information was utilized without my consent and authorization to open several fraudulent accounts, and one of them was with XXXX XXXX XXXX. When I discovered that a lawsuit had been filed against my name and a judgment had been placed against my name, I was worried. So I obtained the court documents, contacted the plaintiffs and their attorneys, Nelson and Kennard, and informed them that they had the incorrect person because I never had a XXXX XXXX XXXXXXXX account. I asked them to check the records properly because I have not been their customer, and the account they are attempting to collect on is fraudulent. Any account subjected to fraud and identity theft can not be collected. However, they ignored my request and told me if I was an identity theft victim, then I should have filed a police report instead of calling them. Before I contacted them, I had already filed a police report with the XXXX XXXX Police Department. I have the XXXX number and will provide it in the end. However, my story doesnt end here. I contacted Nelson and Kennard, and respectfully, I requested them to send me the record of the application that was filed with the account during the opening stages of the account. However, Nelson & Kennard and XXXX XXXX XXXX did not comply with my request ; they sent me a couple of statements with the account number on them and the wrong information. I say the wrong information because the statements I sent contained incorrect information. The address on every statement was incorrect and was addressed elsewhere. That raised a red flag and made me look further at the lawsuit documents to ensure what kind of address Nelson & Kennard had when filing this suit. I discovered that Nelson & Kennard also had inaccurate address information, which was why I was never served with a lawsuit.
Nonetheless, I have attempted to find an agreeable resolution with XXXX XXXX XXXXXXXX and Nelson & Kennard. I acted in good faith throughout the entire time when contacting them. I even offered them a reasonable settlement so we could remove this fraudulent account and the derogatory lawsuit could be dismissed as soon as possible. However, they continuously act in bad faith and do not consider attempting to resolve the issue.
The police report number is XXXX XXXX.
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| 09/30/2019 |
Yes |
- 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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I was sued by XXXX XXXX through a debt collection attorney Nelson-Kennard for the amount of {$2500.00}. This was during the time I had just filed bankruptcy. A year later XX/XX/2019 the seized all the money from my daughters account. The amount of {$1900.00}. I contacted the law firm right away to have them release the funds back into my daughters account because this was not her debt and the account was not mine. The person I spoke to XXXX XXXX agreed. I would make monthly payments and they would release the funds. It took over a week to receive any documentation. The document states the full amount. I sent bank statements, check stubs, all the information they requested in order to prove the account was not mine. They still would not release the funds. After contacting and speaking to 2 attorneys 4 reps they released a partial amount of {$640.00}. And the remainder would be payable to Nelson and Kennard and applied to the debt. After a month of calling, putting together paperwork, contacting other attorneys to get my daughter 's money back. She is only XXXXyears old and has no obligation to this old debt. They still would not release the money. They applied {$1200.00} to the debt. I contacted the firm multiple times I wanted to renegotiate the terms. Since the balanced owed was different. And they did not follow through with the agreement we made. I made monthly payments. I jiust received a notice in the mail saying I am in default and that are agreement is no longer in affect and I need to pay the balance in full immediatly or legal action will be taken. Basically, threatening to garnish or levy my bank account again. Nelson-Kennard has not responded to one of my request. They call and send threatening letters. This whole situation has damaged my entire family. My daughters XXXX money was taken which she needs for school. The stress and hardship it has caused I can't even put into words. It is by far one of the worst experiences I have ever had. And Ive lost my house, filed Bankruptcy twice been through a divorce. For a debt collection agency to levy a child 's bank account is unethical. All of the turmoil that has been caused because of credit card debt in the amount of {$2500.00}. That should of been included in the bankruptcy but somehow slipped through cracks.
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| 11/24/2019 |
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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Between XXXX I was paying a reduced monthly credit card payment to XXXX XXXX Bank because of reduced income and wages. XXXX XXXX allowed this agreement.
In approximately XXXX or XXXX I get served at work, XXXX XXXX XXXX XXXX, starting they were taking me to small claims court for non payment. I immediately called XXXX XXXX and told them of the agreement to pay a reduced monthly payment credit card which was allowed by XXXX XXXX bank. The representative said my file was erroneously escalated to collections. He said he would have the file removed from collections and rescind the summons. I paid the debt I full and never heard anything regarding this debt for over 10 years.
Approximately XXXX or XXXX, I get a letter from a Nelson & Kennard agency saying they entered a judgment for this same account that was paid in XXXX or XXXX. I immediately called Nelson & Kennard and told them it was paid. I asked them to give me account details and a summary of account because this was paid in full 10-12 years prior to this judgment. Nelson & Kennard said they could not produce any account details and had no records for my account. I immediately called XXXX XXXX asking for my account details to show proof it was paid in full. XXXX XXXX stated since it had been so long, that information was purged and they had no details. I then reached out to an attorney who wrote a letter XXXX XXXX XXXX to Nelson & Kennard informing them of unethical collection practices.
To this day, they never produced any account details nor have they provided any documentation nor proof that I owe any monies from this account that is over 20 years old. The only reason I knew this judgment is still active is because I'm trying to refinance my house and this judgment appeared. My title company has tried to get documentation from this company without any success.
This company is using unethical collection practices by trying to collect on a paid account that is over 10 years old ( now 20 years old ). Nelson & Kennard can not provide any account details showing that I owe this amount ( which was paid years ago ). It's affecting my refinance and this needs to be removed and resolved.
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| 11/06/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This issue is been going for quiet some time.
Late in XXXX I received a letter from Nelson and Kennard stating that they represent XXXX XXXX and that I owed about {$10000.00}. I had no idea who XXXX was and I mailed a letter back to them asking for more information. I also explained to them that I lost my job and my available funds were very limited. I never heard back from them. About a year later I found out that they filed a lawsuit against me. I tried to contact XXXX several times. I called and email with NO answer. I finally spoke to a person who said that she was n't able to provide me with any information and referred me to Nelson and Kennard. I called and requested more information but I was terrified by the lawsuit and asked what will be a reasonable amount I can pay, the lady on the phone said that the only acceptable amount was somewhere around {$9900.00}. I asked to make payments and she said I should call back and talk to a " XXXX ''. I did. I asked to see a proof of my debt. in XXXX of XXXX I also emailed and requested more information and offered to make monthly payments for the amount i owe. 4 days later they send me a file that does n't have my signature and claimed that i owe {$10000.00}. I kept telling " XXXX '' that the amount was incorrect.
XXXX had XXXX at her office email me an agreement requesting a lot of information and said she will have to see if she can get the payment plan approved.
I requested again to have more information that shows the breakdown of all my payment. I emailed them on XXXX and XXXX.
on XXXX I finally received another email from XXXX, this time they claimed that I owe {$10000.00}.
I requested the breakdown again on XXXX and XXXX, XXXX, XXXX. I found out that on XXXX a person came to my daughter 's friends home looking for me claiming to be an " officer of the law '' and she refused to leave. she said she will be back every day until she is able to hand me some documents. That created a lot of XXXX and I know it was illegal.
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| 10/24/2019 |
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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On or about XX/XX/2019, an arbitration was concluded, with proofs and notices. XXXX XXXX XXXX XXXX. tried to sue me without success because an existing Final Foreign Judgement superseded their attempt at evading the law. The final foreign judgement, confirmed and recorded in XXXX County Superior Court under case XXXX, is evidence of this.
I have been harassed by flurries of threats and motions/ correspondence by XXXX XXXX XXXX XXXX , Attorney 's named Nelson & Kennard , Attorney named XXXX XXXX XXXX repeatedly put false claims and affidavits into a court record to try to extort the woman named XXXX XXXX . They knowingly and willingly ignored the previous final foreign judgement in order to enrich themselves and this is against public policy.
My final foreign judgement against XXXX XXXX XXXX XXXX , Nelson & Kennard, XXXX XXXX, and Consumer Financial Protection Bureau is legal and binding for the amount of XXXX.
I REQUIRE that any and ALL false credit reports be removed immediately! Furthermore, I require the amount due and owing to the woman, XXXX XXXX, be paid in the amount of {$190000.00}, without delay. This is a final and binding contract agreed to by all parties. The woman, XXXX XXXX has endured, Slander, defamation of character, mental and physical duress, time and money taken to defend a fictitious lawsuit, time away from her life, liberty and pursuit of happiness, which is a fundamental RIGHT. MY rights as a woman, have been depleted. I demand payment, and the reporting of my credit to make me whole. Any attempt for this to remain on my credit report, will require 3X amount awarded in final judgement, inclusive to agreed upon contract.
The Breach of Contract for trying to litigate outside the contract, and attempting to sue in XXXX County District Court, constitutes 3X the award according to the agreed upon contract. This brings damages to {$580000.00}. Now due and owing according to the agreed upon contract.
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| 12/07/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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The collection firm is Nelson & Kennard operating out of XXXX, CA.
I initially discovered something was wrong when I logged in to my bank account and discovered that my balances for checking and savings were zero. Upon looking at my transaction history, I discovered that my entire balance on both accounts had been taken out on a legal order.
Upon contacting my bank, I was given a phone number which led me to the aforementioned firm above. They told me that I owed a debt of around XXXX XXXX dollars to XXXX for a car purchased back in 2004. I am only XXXX XXXX XXXX and would have been XXXX at the time this vehicle was purchased. I tried to explain this to the firm and they asked me to send them images of my driver 's license, social security card, and to write my signature five times. I did all of this and they still told me that I would have to wait for a fraud packet to be mailed out to my house so that I could fill it out and mail it back before they could take the " next steps. '' I do n't understand how they could have pulled all of my money out of checkings and savings for a debt that I have clearly proven that I could not have even accrued. I do share a similar name to my biological father, who left my family when I was young and has been known to try and use my name in the past ; with the only difference being that I have XXXX as my suffix. I do n't see how it is even legal for this firm to have withdrawn all of my money without even notifying me of it first.
On top of that, I still have bills due that I am now unable to pay because of this debt that is not mine. My account balance has already been thrown in the negative and on top of that, the firm also appears to have charged a non-refundable {$120.00} legal fee which is absurd. There is no reason for me to not be able to get that fee back when this is not a debt that is mine.
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| 07/09/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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I lost my job in XXXX of XXXX. I was on XXXX all of XXXX.
I had major XXXX XXXXXXXX on XX/XX/XXXX.
Went back on XXXX XXXX of XXXX. Currently on XXXX.
Former employer paid out a settlement in XXXX of XXXX. Termination due to physical inability to work. XXXX settlemets are also exempt from a levy.
On XX/XX/XXXX, XXXX XXXX XXXXXXXX levied {$32000.00} from primary checking account. XXXX XXXX XXXX was represented by Nelson and Kennard Law firm : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Office ( XXXX ) XXXX Fax ( XXXX ) XXXX.
I submitted an exemption claim within the allowable time frame.
My exemptions were : 1 ) Currently on XXXX 2 ) Funds in bank account primarily generated from XXXX insurance.
3 ) XXXX settlement with former employer 4 ) Financial inability to pay bills, support XXXX young children.
Nelson and Kennard objected to my exemption claim. They won't return funds to my account at least until matter settled. I am almost at point where XXXX settlement funds have dried up, will be unable to keep up with bills, support family.
XXXX XXXX XXXXXXXX Legal Department refuses to have direct communication.
I know I have met more than enough of the requirements for exemption status. Nelson and Kennard elected to drag this out in the courts.
I can't explain the physical and emotional distress this has caused.
I know I accumulated the debt. Circumstances beyond my control put in financial distress. If I could pay off debt I would. For almost 3 decades I did business with XXXX XXXX XXXX, always paying my card bill. They have the records.
XXXX XXXX XXXX credit card services increased by credit limit by {$30000.00} without a request from me. They did it when I should not have been extending my debts. I can't believe they can randomly do this.
I am asking for help at a time my family could use the assistance.
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| 03/21/2017 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I XXXX contacting you concerning an account XXXX have sold to this collection agency named Nelson and Kennard in XXXX CA Account # is XXXX and case # XXXX XXXX had sold this account in XX/XX/XXXX before their settlement with the attorney general , US Consumer Financial Protection Bureau and the office of Comptroller of the Currency on XX/XX/XXXX.
It appears that XXXX was selling customers ' debt to collection agency as much as possible before the settlement.
In XX/XX/XXXX/XX/XX/XXXX, when the real estate market crashed, my husband and I both lost our jobs.
We used all our reserves to make our mortgage payments to XXXX. Eventually we had to use my XXXX/XXXX card to keep up with the ADJUSTABLE RATE MORTGAGE.
We tried many other jobs to keep up with our payments but were not able to make enough to cover our credit cards and mortgage payments. Sadly, we were default on our mortgage and credit cards payments.
After many years of struggling with getting a loan modification, XXXX FINALLY GAVE US A MODIFICATION. NOW, we do n't have any problems making our mortgage payments and are never late since the modification.
Unfortunately we are not able to make any credit cards payments. XXXX have sold this credit card debt to Nelson and Kennard before the settlement ( as mention above ) who had previously levy our bank account in XX/XX/XXXX and taken money that were used for our living expenses such as groceries, and utilities bills.
Now, again this Collection agency is levying our account. The problem is, due my serious health issues I am not able to work. My husband income is the only income we have and its only enough to cover our mortgage payments and living expenses. I am only added to MY HUSBAND account to manage the household bills. i can not afford to pay this debt.
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| 04/29/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I XXXX XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, XXXX of Massachusetts, Probate and Family Court Department. XXXX XXXX continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter.
XXXX XXXX XXXX
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| 06/07/2016 |
Yes |
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- Taking/threatening an illegal action
- Seized/Attempted to seize property
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Web |
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Thanks, On Friday XXXX/XXXX/2016, I left my job and went to my bank XXXX XXXX XXXX XXXX XXXX and attempted to get {$20.00} for gas. I noticed that it said XXXX dollars, so I went in and talked with a teller. They could not tell me what was wrong as they reported my account was zero. They provide a number for me to call XXXX. As I contacted this number it was outside of the business hours so then I was advised by XXXX XXXX XXXX to forward this issue to the following Monday. I called on Monday with the reference code number XXXX and was informed to then call XXXX which is a company debt collection for XXXX and XXXX attorneys who claimed that they did not receive my financial report last year which is about six months ago detailing my financial output so they could put me on payment plans. They also provided their fax number XXXX by which I kid facts them another financial report as I receive their template in the mail which is approximately XXXX hours from now. I spoke with XXXX XXXX extension XXXX at XXXX. She is now handling this case and said that there will be a possible review to refund the money that they seized, but no guarantee. This has come at a loss to myself and my son as well as I feel that I was misused because I followed all of their rules to comply with signing my financial plan and mailing it to them about six months ago. It is against the law to take all funds away from the consumer so I would love your support on this matter I could be reached at XXXX sincerely XXXX XXXX.
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| 11/04/2015 |
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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This firm is using wrong tactics on me to collect the debt. They are saying in the letter they sent a letter to Postmaster on XXXX XXXX to verify my physical address and they are saying on XXXX XXXX they received a response from the Postmaster indicating I had moved and left no forwarding address. This is absolutely false and should be prosecuted for giving false information that I moved. I have been receiving mail and also received a letter in XX/XX/XXXX dated XXXX XXXX. I have been at the same address for the last 16 years. Did they contact the XXXX XXXX company, the Gas company and Water District to verify my address. It will show with them my accounts through out and still have. If I had moved, I would not have accounts with them for that address. They are saying I declined to verify my address in XX/XX/XXXX and that is also false. Instead I asked them to verify my address and they did. I have phone records how many times I called this office numerous times since XX/XX/XXXX to get rid of this account. They had my phone numbers to contact me. Then they are saying my last payment made on the credit card was XXXX XXXX, 2012. I asked the Bank to verify where those funds came from. They said it came from the Business account when I never had business account in 2012. The last payment made was more than 4 years ago. The bank made errors before also on the statements. In order to file a suit they are showing payments made in 2012. I need proof how that payment was made.
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| 08/12/2020 |
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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According to Nelson and Kennard who represent XXXX XXXX, XXXX state that i owe {$8300.00} for a account i did not own. I tried to get the information that they said they had to prove their case. I got a billing statement for billing that had a date of XX/XX/XXXX. the account was in my name and address was listed where i used to live. What caught my eye was the credit card account number was different from the credit card i did have with them and has since been paid and canceled. I told them that this account wasn't even mine. Their answer was because my name was on it it was my account and owed the amount. I asked Nelson and Kennard to show me the form where i signed for this account. Nothing was produced. If i understood Nelson and Kennard they are the second debt collector to have this account. They say I was served to appear in court. The age of the person served as XXXX, at that time i was XXXX the height of the person was XXXX foot, im XXXX. In order to put pressure on me to pay the debt Nelson and Kennard or XXXX had put a lean on me. I found this out when i tried to get a G.I. loan in XXXX for a home, of course i was denied the loan because of this.According to a screen shot page dated XX/XX/XXXX from XXXX it states that I do not make enough money to garnish.
In short i never owned the card in question. I would like to have the Lean taken off and the debt erased. I feel they have taken away my right to getting a home for my family as owed thru the G.I. bill.
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| 05/28/2021 |
Yes |
- 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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I had submitted a complaint against Nelson & Kennard last month due to various totals sent to me to pay, then they told the court I wasn't paying, which I submitted proof I had paid every month since they contacted me in early XXXX.
As a response to the complaint they sent me the attached, which contains outright lies. I have been willing to pay but I will not pay a company who sends me different letters with differing amounts and then tries to lie in the response letter to my complaint.
As you will see in my 2 attachments dates XX/XX/21 and XX/XX/21 that they list the SAME file # but 2 completely different amounts, and the only payment made right after was XX/XX/21 was for a small amount that wouldn't account for that difference. Then in their letter, responding to my 1st complaint, dated XX/XX/21 they state that I have 3 accounts with them and that XXXX was paid in full, but that they grouped XXXX & XXXX together when they mentioned the total on the XX/XX/21 letter, but as you see on that letter the ONLY file # listed is XXXX, that is the sole # listed on both of the initial letters.
Since they said in the attached letter dated XX/XX/21 that the amount I owe on XXXX is {$720.00} then I will pay that. But since they are saying they grouped XXXX into the amount shown on letter XX/XX/21 WITHOUT ever mentioned that file # in that letter I want that amount reduced to {$0.00}, how can I trust a company that can't get their numbers straight?
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| 10/10/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
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|
Web |
Servicemember |
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NELSON AND KENNARD ON BEHALF OF XXXX XXXX XXXX HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ...
XX/XX/XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED XXXX XXXX XXXX TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN XXXX XXXX XXXX CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XX/XX/XXXX XXXX COLLECTIONS HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF XXXX XXXX XXXX ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XX/XX/XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY NELSON AND KENNARD ( LETTERS ATTACHED ). NOW ON XX/XX/XXXX I WAS SERVED WITH THE SUPPENAT FROM NELSON AND KENNARD REPRESENTING XXXX XXXX XXXX FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX.
WHEN I ATTEMPTED TO CONTACT XXXX XXXX XXXX TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. NELSON AND KENNARD IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP
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| 03/25/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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NELSON AND KENNARD should be fined for their illegal practices .... I initially contacted them last year asking to validate the judgment from them for XXXX XXXX. First of all I was never served properly I had no idea about this complaint. I wish to fight the entry of a default judgment obtained based on lack of notice. service of the summons did not result in actual notice in time to defend the lawsuit, the entry of default was the result of " mistake, inadvertance, suprise or excusable neglect ''. I reached out to XXXX XXXX the original creditor who stated they do NOT have any pending dues from me there was no debts to them from me. I served this notice to Nelson and Kennard who ignored the letter and now went through with judgement and garnished my bank account where I receive my social security income. I contacted Nelson and Kennard to inform them that my income is except from garnishment and that XXXX XXXX stated in writing that I do not owe them anything .... they AGAIN ignored my request and now froze my accounts. I contacted DAs offices and now preparing my complaint to them will file this week if this is not resolved and lien this false judgement is not released ...
NELSON AND KENNARD also issued a false statement to XXXX XXXX in their attemps to renew this debt stating that " LAST PAYMENT WAS RECEIVED ON XX/XX/2017 '' IT IS A LIE, FALSE AND FRAUD. I never made a payment to them this should not be ignored ...
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| 06/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Older American |
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I was sued by a company name complain was from XXXX companies- then name change to XXXX XXXX, a few years back, I did not know anything about it, until they garnished the money I had in my saving and checking account ( XX/XX/XXXX ) it seems my debt was from a few years back approximately XX/XX/XXXX-XX/XX/XXXX, since my money was taken from the bank account, I had being in communication with Nelson & Kennard at attorney at Law, I had being making payments, after a few years making monthly payments ( {$25.00} ) the amount it seems to keep going up instead going down, also they informed me the money that was taken out it was only use for the court, so I have to pay my debt, which I do not know what is for, even do I had try to speak with some one at nelson & Kennard and requested an statement about all payments to the account, original amount and why is not going down instead is going up, I get the run around, My English is not perfect, so is hard to communicate with them, until today no one has being able to help me, until I had to reach out a tv station in my area, and they gave me your information, I asked my daughter to place my complain on line, I am attaching all the information I have through the years of payment and only letter received from this company, if you have any question you can contact XXXX XXXX ( XXXX ) XXXX ( If is possible I would like a Spanish peaking representative
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| 05/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On or about XXXX 2015, I noticed while checking my credit report, a delinquent account from " XXXX XXXX XXXX XXXX '' for approximately {$2000.00}. I immediately began the process of informing them that this was a fraudulent activity via written letters and by phone. I also sent letters to the XXXX major credit reporting bureau 's informing them the same. Thinking the matter was resolved, I was shocked to receive a summons from Superior court years later, without any previous correspondence. Now I 'm being constantly harassed by these vicious attorney 's who continue to claim they are not receiving my documents ( I have all documents filed and organized with USPS tracking proof of delivery ) and neither the original creditor or the attorney has produced a single document that I have requested showing my signature on an agreement or any other proof which might substantiate there claim. Because there is no such document. They have even failed to show me what was allegedly purchased with this line of credit or loan. Yet they continue to harass me to the point where I now am having to pay an attorney to help defend me. I believe that by this harassment, they are violating my rights as governed by the FTC which enforces the " Fair Debt Collections Practices Act ''. The Attorney mentioned above is : XXXX XXXX XXXX of Nelson & Kennard, XXXX. XXXX XXXX XXXX, CA XXXX. Thank You,
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| 03/19/2019 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/2018, I placed a phone call to : The Law Office of Nelson and Kennard XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX This phone call was in reference to a credit card debt from XXXX XXXX XXXX. My intent was to negotiate a payment plan and to avoid a judgement. I asked a simple question to the floor supervisor who I was on the phone with to try to understand what we were agreeing to : " So, what you're saying is that if I make a payment by Monday ( or I may have said the specific date ) you won't file a judgement? '' The supervisor did everything they could not to give me a direct yes or no answer, she kept waffling. I kept rephrasing my question because I wanted a direct answer, I wanted a yes or no or I wasn ; t going to agree to anything but I remained calm and continued to try to understand by asking questions. The supervisor became disgruntled and started yelling at me over the phone all because I was trying to understand something that she was not giving me a straight answer to. The supervisor was basically be-belittling me by yelling at me repeatedly and saying things like " WHAT PART OF THAT DON'T YOU UNDERSTAND!!!!??? " for me failing to understand her indirect, waffling response.
By doing this, the supervisor violated the FDCPA 806 ( 5 ). She repeatedly annoyed me by yelling at me in a be-littling, abusive way.
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| 08/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Bank XXXX XXXX claims I owe a debt to them. I do not recognize this claim as I am a victim of Identity Theft. I have written several letters asking for VALIDATION, as described in the FDCPA and only received COPIES of statements. This is not VALIDATION under FDCPA LAWS. I am now being harassed by a company that says they represent Bank XXXX XXXX called XXXX and XXXX working on the behalf of Bank XXXX XXXX. I have signed no contracts with either. If they have evidence that I have, all Im asking is to see the wet ink signature I allegedly signed with either company. Copies of statements are pointless as they do not prove I have contracted with either company, BOTH claiming I owe some sort of debt. How is this legal??? Its not. Then anyone can claim I owe a debt to anyone? Just want to see ORIGINAL contract. Who is XXXX XXXX XXXX? Where is my contract with them? XXXX? Where is the original??? Without evidence in which I am requesting and have requested, under the FDCPA and FCFA, I will be entitled to the full amount of the claim owed plus interest. If I do not receive proper VALIDATION within 30 days ( not copies of someones statements ) I will be forced to file Liens. I will not hesitate to do so as I have been harassed by both Bank XXXX XXXX and XXXX and XXXX. I WILL file Liens on both companies as they have both caused me harm and duress.
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| 10/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
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Web |
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When my debt was transferred to Nelson & Kennard, I believe I paid XXXX payments during the transfer period. I requested in writing and verbally ( to my point of contact 's administrative assistant ) to be issued a statement. I did not know how much I owed and which payments had been accounted for. After five months of payments, still no communications of any kind ( letters, phone calls or e-mail ). A bit odd, I thought. I sent a letter and stated that I would no longer pay this debt if I did not see some sort of recognition of my payments. Nothing. I made payments ( {$700.00} / month ) for an additional year. Still nothing. After numerous calls and letters I could not reach any one that would speak to me, left lots of messages, but no responses. So, after eighteen months I did stop paying.
Fifteen months later, still no communication of any sort EXCEPT a summons to court ( received three days ago ). In the summons they state that they repeatedly tried to contact me by phone and mail. This is a lie. No statements, no communications of any sort.
What do I wish to do? I am happy to resume paying this debt but I want the communications to be monitored in some way so that Nelson & Kennard will have to give the statements due me under the law. Indeed, after eighteen months of payments without any communications, something was indeed broken.
|
| 04/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- 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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In order for me to figure out how much I owe them, I requested credit card statements for the life of the account which is from XXXX. I'm not going to take their word on the amount owed since banks are crooks. Initially they sent me XXXX to XXXX statements. I called again and asked I needed all the statements. A few weeks later, they sent me XXXX statements. I called them and requested again I need all the statements and left a message for them. No response back. I called them back two weeks later as I noticed a letter from them in my mailbox showing that they filed a lawsuit and billed me the {$510.00} filing fee for the court. I called them again and asked why is there a lawsuit. They said because there was no settlement. I repeated again I need all statements so that I can figure out how much is owed. The new person that I spoke with which is different than my contact on the forms said he can send out XXXX to XXXX statements and try to get the older ones. He then said once you have them call us so we can figure a plan for you.
My question is, how can I make any decision if I don't have all the statements showing what I truly owe them? Regardless, I have no details and they file a lawsuit against me.
That is not right. I should be given all the details needed so that I can make an informed financial decision on the debt I owe them.
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| 11/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
|
On XX/XX/XXXX12, XXXX XXXX, of The Law Offices of Nelson and Kennard, won a judgment against me in the amount of {$5300.00}.
We took steps to borrow the money owed after we feared for my husband 's job, and on XX/XX/2012 we went to our bank, and sent them a wire transfer for the full amount - {$5300.00}. We have documented proof from XXXX XXXX that the transfer was completed, paying the judgment in full.
We were instructed to call once that was complete. We did, and were informed that they would be in touch within a few days, and that we would soon have our Satisfaction of Judgement. And that it would be filed with the court, and removed from our credit.
We have contacted them on several occasions, spoke with multiple people, left messages with superiors, and requested each time to be given a receipt, proof of payment, satisfaction of judgment, and to fulfill their end and their legal requirements. They promise to do so, but never actually do anything.
After six years, this is still an issue. They have not acted. And we are unable to get a home loan because of it, and my credit still suffers because of it. This company seems very unconcerned with fulfilling their legal obligations, but are very quick to threaten and take advantage of people who are unaware of debt collection laws and procedures.
|
| 08/01/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Dear cfpb, after the real estate market crashed in XXXX XXXX California in XXXX, my husband and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were brooke.. Our new jobs could not cover our credit card payments and eventually, we were default on all credit cards and mortgage payments. I had also used my XXXX card to pay my XXXX. So after I became default with my credit cards by XXXX and XXXX. XXXX sold one of my credit card debts to Nelson and Kennard Attorney at law / XXXX XXXX XXXX XXXX. And XXXX XXXX file a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from my bank accounts various times leaves me without money to pay my modification mortgage or utility bills or groceries. They have continuously caused me tremendous pain and sufferings. It appears that XXXX have had some agreements with CFPB and state attorneys general. But because XXXX sold this account to the collection before coming to an agreement with CFPB or the attorneys general, this collector continue to drain my account. Previously, they have taken over XXXX and now on XX/XX/XXXX, they have taken {$2200.00} from my account ( this is my mortgage payment ). Now I am devastated. Please help me
|
| 06/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was working with a debt consolidation company to resolve some debt. XXXX XXXX agreed to settle my debt for 30 % of the balance over 3 payments. The payment schedule was {$290.00} on XX/XX/XXXX ( completed XXXX {$1200.00} on XX/XX/XXXX ( completed ) and {$1200.00} on XX/XX/17. The final payment XXXX rejected and reversed they terminated the settlement offer and ended up selling the debt/hiring someone to try to resolve again. I filed a complaint against XXXX XXXX and was told by their response that the payments were late that is why the voided the settlement. I contacted the consolidation company I was working with XXXX XXXX XXXX and they advised me that payments were made electronically through a 3rd party payment account and payments were made timely as negotiated for the settlement. XXXX XXXX did not provide any proof that the payments were received late only wrote dates in a letter format. They have sold/contracted Nelson and Kennard to attempt to handle this account and they have already threatened litigation against me. I have sent in proof of the settlement agreement and explained what was going on and they have never contacted me back. I have called about 5 times now and found that they already started paperwork on litigation.
|
| 04/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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I received a demand letter on XX/XX/2021( all doc attached ) stating I owed {$2100.00} for File # XXXX, acct # ending XXXX. I paid {$150.00} XXXX proof of pymts also attached XXXX. Then the next letter XXXX rec 'd 8 days later said the same file # and acct # now had a balance of {$1200.00}. They either are fraudulent or completely incompetent, but I kept paying based on the last letter. I paid on XX/XX/XXXX, {$150.00} and just paid on XX/XX/XXXX, another {$150.00}. Then today I get a thing in the mail showing the court is notified I defaulted on an agreement to pay. I agreed to pay but will not make another payment until this company agrees that all is owed now is the following, based on their last letter and the pymts made since : Letter sent on 2/17/21 stated amt owed is {$1200.00} Pymt of {$150.00} on XX/XX/XXXX Pymt of {$150.00} on XX/XX/21Pymt of {$150.00} on XX/XX/21That leaves a total owed of {$790.00} Any amount over that can not be trusted as this company sent XXXX completely different amts within 8 days of each other so I will take the lower amount, which is the last letter they sent me. I will also be sending all of this info to the court as well.
|
| 04/06/2015 |
Yes |
|
- Improper contact or sharing of info
- Contacted employer after asked not to
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|
Web |
Servicemember |
|
XX/XX/XXXX I had a XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost 19 years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a newly single mother currently going through a divorce. The debt is registered in the state of XXXX and I have lived in XXXX for the past 8 years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice 2 days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( Nelson & Kennard Attorney at Law in XXXX, XXXX ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the earth and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt.
|
| 05/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
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Web |
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I was contacted by mail on XX/XX/XXXX by the law firm of Nelson and Kennard. In the letter it was stated that they had obtained a judgment against me on behalf of their client XXXX XXXX XXXX XXXX. They then stated that I had an outstanding judgement balance of {$10000.00}.
I have never received any paperwork notifying me of a lawsuit and in fact the original debt was by my records charged off in XX/XX/XXXX.
I had moved on XXXX XXXX of XXXX and on XXXX XXXX of XXXX so if they had served the paperwork to an old address it was n't to me.
Furthermore I just received a phone call from one of their representatives at work.
I think it will go a long way if the Bureau of Consumer Financial Protection contacts Nelson and Kennard and just ask some simple questions. Like " When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt? " Please help as I do n't know who else to contact and really need a help from your organization to help with this dispute.
|
| 06/07/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
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I have been trying to get this judgment taken care of with Nelson & Kennard for 30 days. I have made ten phone calls, sent one fax to Nelson & Kennard, and have only received two return phone calls. This is unacceptable.
My first call was on XXXX XXXX, 2016 and I spoke with XXXX XXXX. She and I agreed that I have never received an written correspondence from Nelson & Kennard, not even a letter via Certified Mail which she mentioned. Nothing. During the past 30 days, I have received nothing from Nelson & Kennard supporting any debt : no copy of the alleged signed application for credit in which they are attempting to collect.
I have provided a Satisfaction of Judgment for the XXXX debt to which I believe is the debt they are attempting to collect.
I have good cause to believe I was sued in error. I was never served to provide me plenty of time to file a response. Therefore, this improper service provides me cause to have the judgment vacated!
Today, XXXX XXXX, I faxed Nelson & Kennard a request to vacate, release, dismiss, satisfy the judgment immediately!
Still, no response.
|
| 12/23/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
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Nelson and Kenard is agresively attempting to collect debt for XXXX XXXX XXXX. When I requested them to validate these debts I got NOTHING back. At the same time XXXX XXXX XXXX validate the ownership of this debt ( see attached letter ) and stated they were NOT connected to Nelson and Kenard .... Nelson and Kenard asked for financial statement in order " to help me negotiate and settle this debt '' after providing them with all of my personal information I got NOTHING back ... is this even legal to do? ... XXXX XXXX XXXX still has the ownership of these credit card debt notes and I was advised to settle with them. However Nelson and Kenard has NOT stopped harassing me, I can never speak to the same person and have to give them my personal info ss # date of birth and etc over the phone to the secretary before I can be transferred to someone .... who knows what she does with my identity and why am I required to shout out my social over the phone to someone I do n't know ... this is a violation of my consumer rights and privacy this must be stopped!
|
| 05/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
NELSON & KENNARD ( XXXX XXXX XXXX ) unlawfully and deliberately published my copyrighted name amongst court records and have unlawfully defamed my name without my consent. On or about XX/XX/XXXX, I sent out a Conditional acceptance claim for proof of claims. I also stated, each and every averment be answered with law and specificities of law. I was ignored. On or about XX/XX/XXXX, I sent out a default notice for failure to provide any information regarding my Conditional Acceptance contract XXXX. Nelson & Kennard ( XXXX XXXX XXXX ) ignored my lawful requests and decided to go ahead with suit filed by them to XXXX COUNTY COURTHOUSE case XXXX. Since an arbitration was set, all parties were notified, Arbitration occurred on XX/XX/XXXX. The Arbitration award in the amount of XXXX has been awarded to XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX WA. XXXX. I demand, my property ( credit ) be restored. There will be a XXXX dollar fee for the use of my copyrighted name starting XXXX XXXX. This will be legally binding on all parties.
|
| 04/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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XXXX XXXX XXXX Account No XXXXXXXX Nelson & Kennard File No XXXX-XXXX-XXXX Current Balance {$5400.00} I had XXXX XXXX XXXX Credit Card and the debt collection company has sent the letter either payment plan or debt settlement. Instead of talking over the phone, I have sent out the letter requesting the statement copies and charges of fees or interests.
While I was waiting for the response, I have received the letter from the law firm Nelson & Kennard XXXX XXXX XXXX XXXX, CA XXXX Tel : XXXX-XXXX-XXXX Fax : XXXX-XXXX-XXXX requesting I have 30 days to pay the balance or legal lawsuit will be filed for a judgment. It is asking to send the letter to dispute or respond which I have sent.
I still do not have records of how the charges came about or the collection company looking into payment plan or reduction of the balance amount.
I need consumer finance to involve to see this case so I can get the clear picture of the debt and the interest and other charges before I commit to the payment and the settlement.
|
| 05/06/2023 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
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On XX/XX/XXXX, a process server came to my house to serve me with court papers. Someone at my house answered the door and the process server from Nelson and Kennard shared that the suit contained a debt I owed for XXXX XXXX XXXX. That was the only way I was able to figure out that I owed this debt. I called XXXX XXXX XXXX and they transferred me to Nelson and Kennard in regards to my debt. After explaining it was for my lease I explained I will pay for the debt. At that time the representative on the phone advised that as long as I put my checking account on file and make XXXX payments of XXXX they would suspend the legal actions and no one else would come to my house and try to serve me with court documents. On XX/XX/XXXX, the same man came back to my house and disclosed the information again to a person at my house and stated they will just leave the paperwork with her next time. This is after we already came up to an agreement and my first payment to come out on Monday XX/XX/XXXX.
|
| 09/26/2019 |
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
|
|
Web |
|
|
I had two credit cards with XXXX XXXX XXXX.
I fell behind on payments after being sick. I joined a group called XXXX XXXX XXXX, who I paid to take over my accounts and get the debt reduced and paid off. I paid XXXX a monthly fee.
I then get served a summons after paying Freedom every month for over 2 years by these very mean and rude people at : NELSON AND KENNARD XXXX XXXX XXXX XXXX California XXXX XXXX I called Nelson and Kennard. I gave them close to my entire life story. The asked for my Employers information and the previous two employers information.
Nelson and Kennard faxed over 200 times, called over 150 times and sent over 300 letters to my then employer. The messages advised the company the I was a fraud, a loser and should not be trusted.
This is me versus a law firm. I was let go. After 5 months of being unemployed, I now have a job.
What they ( Nelson & Kennard ) did to me has to be unlawful.
|
| 09/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I went to trial with XXXX XXXX from Nelson and Kennard who is a debt collector on XX/XX/2021. I forwarded my identity theft affidavit to plaintiff, showing that I was a victim of identity theft and it is a fraudulent account. The lawyer never presented a binding contract with my signature and the signature of the authorizing agent per FDCPA SECTION 809 [ 15 USC 1692 ( g ) ]. The plaintiff is now filing another frivolous complaint against myself on another debt from XXXX XXXX XXXXXXXX which is a fraudulent account also. This is also filed in my identity theft affidavit, which is reported to the FTC, all three credit bureaus, and filed with the XXXX Police Department. I would like the harassment to stop. If they can not provide a binding contract that I owe them or XXXX XXXXXXXX XXXX. I will file a counterclaim against Nelson and Kennard for filing a frivolous complaint against myself for a fraudulent account.
|
| 07/12/2022 |
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
|
|
Web |
Older American |
|
I became a victim of fraud and embezzlement by trying to help a supposed friend/partner XXXX XXXX scam ) who claimed to be in the military and said he did not have access to his own money to pay for storage security ( of {$1.00} in gold bars ) and XXXX customs XXXX This covers a time frame of XXXX 2020 to current, and involves 4 banks ( one of which has cleared my account in full and sent a check to me for fees paid ). I have a number of promise notes from the suspect 's attorney but none of them paid me back. I spoke to my pastor in XXXX 2020. It was then I realized that I was scammed. I filed a police report, FTC report, and National elder abuse report all in XXXX of 2020. I have sent a number of faxes to all four banks to show that I was a victim of fraud and embezzlement. Two of the banks have now turned over the issue to a debt collector. My only income is social security.
|
| 08/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX XXXX XXXX-NELSON & KENNARD, XXXX XXXX XXXX XXXX XXXX XXXX SENT A LETTER TRYING TO COLLECT DEBT FOR ABSOLUTE RESOLUTIONS FOR THE AMOUNT OF XXXX ... XXXX XXXX XXXX-I SENT A LETTER ASKING TO VALIDATE THE DEBT ... XXXX XXXX XXXX, NELSON & KENNARD SENT LETTER WITH INTENT TO FILE SUIT WITHOUT EVEN FIRST VALIDATING THE DEBT AS REQUESTED ON XXXX XXXX XXXX.... AS TO TODAY, XXXX XXXX XXXX, IT HAS BEEN MORE THAN 30 DAYS. I STILL HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THE DEBT SINCE I REQUESTED IT ON XXXX XXXX XXXX. THE DEBT IS UNVERIFIABLE BECAUSE NELSON & KENNARD DID NOT RESPOND WITHIN 30 DAYS. I WANT NELSON & KENNARD TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. I WANT NELSON & KENNARD NOT TO FILE SUIT. I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY... REFERENCE NUMBER XXXX
|
| 10/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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A couple of days after I turned XXXX, I opened my very first bank account in XXXX XXXX XXXX. A week later, I received a notice of levy from my bank that I owe to the XXXX Sheriff 's Department a total of {$7400.00}. I did n't know what that is. I contacted the XXXX Sheriff 's Department and they said that the Law Offices of Nelson and Kennard have filed a lawsuit against you and put that levy against your account so you need to contact them to know why they put that much money against you. I called that law firm and turns out that they 're a debt collector looking for another person under my social security number. THEY HAVE MY SOCIAL SECURITY NUMBER! I do n't understand. I never had a credit card nor ever had any debts or loans upon me. So there is definitely some sort of fraud going on and my identity is in danger right now!
|
| 05/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was sent a letter by an attorney XXXX XXXX wi th Nelson & Kennard XXXX . XXXX XXXX , XXXX CA XXXX . They stated that I owed XXXX to XXXX XXXX XXXX XXXX . XXXX XXXX . XXXX , VA XXXX , and they were going to obtain judgement against me for that. This letter was dated XXXX XXXX , 2017 , I had 30 days to write them back and dispute the debt. I did so, and asked to see the application for the debt, and to know where the moneys were sent to. Because I never signed such an applicaton nor have I ever recieved any moneys from them. They wrote me back a letter with reciepts attached from XXXX XXXX XXXX . Not what I requested? Nor was it any help to me. I am going to reply to both XXXX XXXX and Nelson & Kennard, b ut have not yet done so as I am requesting help from you.
|
| 03/23/2017 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
This collector comes to my home at night during the week and early weekend mornings in addition to random afternoons. They bang on my door and speaks threateningly to my family. They have been asked to not come back, yet they do repeatedly. I have it on video this person coming to my home near XXXX and banging aggressively on my door and ringing my door bell, awaking my and scaring my young children. This person peeks in through my windows and parks his car in front of my house waiting for me to come outside. This person has been instructed to not come back to my home, yet they do repeatedly, often before XXXX on the weekends and after XXXX during the week. I am scared now for my son to walk home from school because the threatening tactics being used. I have submitted a Cease & Desist letter to this company.
|
| 08/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XX/XX/XXXX-NELSON & KENNARD, XXXX XXXX XXXX XXXX XXXX XXXX SENT A LETTER TRYING TO COLLECT DEBT FOR XXXX XXXX FOR THE AMOUNT OF XXXX ... XX/XX/XXXX-I SENT A LETTER ASKING TO VALIDATE THE DEBT ... XX/XX/XXXX NELSON & KENNARD SENT LETTER WITH INTENT TO FILE SUIT WITHOUT EVEN FIRST VALIDATING THE DEBT AS REQUESTED ON XX/XX/XXXX.... AS TO TODAY, XX/XX/XXXX, IT HAS BEEN MORE THAN 30 DAYS. I STILL HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THE DEBT SINCE I REQUESTED IT ON XX/XX/XXXX. THE DEBT IS UNVERIFIABLE BECAUSE NELSON & KENNARD DID NOT RESPOND WITHIN 30 DAYS. I WANT NELSON & KENNARD TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. I WANT NELSON & KENNARD TO NOW FILE SUIT. I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY... REFERENCE NUMBER XXXX
|
| 03/27/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I leased a vehicle from XXXX XXXX XX/XX/XXXX, financed with XXXX XXXX. XX/XX/XXXX was the lease end and dealership gave me options to buy, sell or re-lease. I chose to re-lease another vehicle same day I returned the XXXX car. I payed {$990.00} as down payment and had a new lease starting XX/XX/XXXX. I would have never re-leased another car if I knew I had to pay {$13000.00} for returning the XXXX car. I payed it every month and did not miss a payment. I do not know where this amount is coming from. It states about {$4000.00} was written off and I owe the remaining balance? I do not owe anything on that XXXX car. I re-leased another car and that was the deal I chose when I returned the XXXX car and the lease for that car ended. I have disputed this with the debt collection companies for this account.
|
| 09/12/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
XXXX I voluntarily returned a XXXX Truck to the Dealership asI could not afford the {$830.00} payments. A third party collector tookthat case to court, without even properly serve me. I have been paying on this debt XXXX. Never missed a payment. I have been asking them to send me a statement as to how they are applying the funds every month. I am aware there is an annual fee of 10 % that they charge. So far I paid over and beyond the amount due. They are refusing to provide me any kind of statements as to how they applied those monthly funds all these years. As far as I am concerned, I either already paid this debt or close to it. But I need to have a schedule of payments and when would my last payment be.
Please let me know what steps I should take. Thank you.
|
| 05/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX, I received a letter from my employer stating that Nelson & Kennard ( XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX, CA XXXX ) had received a judgement against me ( for a debt from XXXX XXXX XXXX, XXXX back on XX/XX/XXXX ) and that my wages are now being garnished for {$12.00}, XXXX beginning XX/XX/XXXX.
Please note that I never received a summons to appear in court regarding this matter, nor did I receive any communication regarding this Superior Court of CA XXXX XXXX XXXX XXXX XXXX XXXX Case Number XXXX.
I contacted XXXX in XX/XX/XXXX, because I was disputing their debt amount appearing on my credit file. They wrote back to me ( in XX/XX/XXXX ) stating that they could not identify my account based upon my name and credit information provided.
|
| 05/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Nelson & KENNARD ( XXXX XXXX XXXX ) continues to defame my copyrighted name to enrich themselves. Arbitration has already been conducted. They owe XXXX. They continue to hold my property in store. My credit is being held by them to extort me. I demand my credit be restored I charge XXXX dollars per day as of XX/XX/2019. I have a legally binding Arbitration Award stating they are in Breach of Contract. Yet they continue to threaten me with false lawsuits they have no jurisdiction to do so by. They also have NEVER replied to certified mailings to proof of claims. They say they represent XXXX XXXX XXXX but I have not seen chain of authority I asked for, nor any other evidence they are legally authorized to collect on In God We Trust Notes. In any State.
|
| 11/26/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I received a court summons on XX/XX/2022 for a lawsuit filed by XXXX XXXX XXXX. On XX/XX/XXXX, I called the attorney of record XXXX XXXX XXXX of Nelson & Kennard. During the conversation I asked how to I pay the amount to avoid court. XXXX advised me that if I paid {$2000.00} he would settle the debt. I agreed to the settlement over a recorded phone line. XXXX transferred me to the payment department, where again it was reiterated over a recorded line the {$2000.00} payment would settle the debt. I paid with a check by phone and the money was withdrawn on XX/XX/2022. On XX/XX/XXXX I received a letter from XXXX XXXX stating that they received my payment and now I owe them {$460.00} to close the file.
|
| 03/02/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
Nelson & Kennard / XXXX XXXX XXXX told me that if I did not pay them {$2500.00} they would proceed with prosecution against me. I am not an attorney, but I feel that this was a way to try to get me to pay by way of pressuring me like the mafia. When I spoke with Nelson & Kennard who is collecting on behalf of XXXX XXXX XXXX they also recorded my call without me giving them permission. They also did not update the credit bureaus to " Consumer Disputed '' I am a single mother and I want this harassment to stop as I have spent several countless hours trying to correct both companies mistakes in the matter. I have a XXXX XXXX and I am a XXXX XXXX XXXX citizen.
|
| 06/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/21 I received an alert from XXXX about an increase of {$1000.00} on a XXXX XXXX Credit Card # XXXX. I called XXXX XXXX and they confirmed that this is NOT my card, nor am I an authorized user. After research, I discovered this was my adult sons card, which was charged off. He gave me the last four digest of the card and I called XXXX XXXX back on the automatic call line using that number. It transferred me to an attorneys office : Nelson and Kennard, who bought the debt. I called them to tell them to remove the information from my credit, but they would not speak with me. They had NO right reporting this debt to my credit report!
|
| 08/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
I purchased a vehicle from XXXX XXXX company XX/XX/XXXX. The real estate market crashed XX/XX/XXXX and became increasely worse XX/XX/XXXX until present. I could no longer make payments and gave the truck to someone else in order for payments to continue to be made. Unfortunately that did n't work.
XXXX did a charged off. An attorney Nelson & Kennard are collection attorneys. They put a lien against my house XX/XX/XXXX and are asking for {$32000.00}.
The debt owed to XXXX according to Nelson & Kennard is XXXX.
Can this debt be collected twice? first by charge off and ford 's insurance, then by a company who bought the debt?
|
| 03/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX and their Debt Collection agency Nelson & Kennard have been TERRORIZING ME. They are attempted to collect on an alleged debt and reporting it to my Credit Report, yet they can not provide proof that the account belongs to me at all. Simply providing me with statements is not proof. This debt doesn't even belong to me, they have no proof, no records, nothing, yet they continue to report inaccurate information about me, record my calls without my permission, contacting third parties about my debt without my permission ( Friends ) threatening me with all kinds of nasty things. They will not relent.
|
| 06/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
Nelson & Kennard are attempting to collect a XX/XX/XXXX judgment that was discharged in my bankruptcy in XX/XX/XXXX. They have been notified no less than 5 times but continue to assert to a title company that they are owed money. They have changed the name of the creditor ( assignment ) and are trying to disguise the true debt so that they can maintain a lien against my real property while I am trying to refinance. I have personally sent them my bankruptcy papers and given them instructions and sufficient time to communicate to the title company that the debt was discharged but they have refused.
|
| 11/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had lost my job due to Covid Pandemic, found a new job but then got into a car accident. I applied for a loan to help me out. They gave me this huge loan, which helped, but did not give me lots of info about the interest. I also added unemployment insurance with the loan. I ended up losing my job again due to XXXX. I asked them to apply the Unemployment insurance and sent paperwork to them multiple times but it was never applied and they kept charging me. Then I get a statement in the mail saying I was in collections with Nelson and Kennard.
|
| 06/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
XXXXXXXX XXXX credit card opened in XXXX, made consistent payments. Fell onto hardship in XXXX, tried to negotiate a settlement in XXXX was denied. Tried to file bankruptcy in XXXX and was denied. Negotiated settlements with all other debts and this XXXX XXXX credit card would not work with me. Debt owed was {$6900.00}. For the past XXXX years they have been garnishing my wages, charging 10 % interest per day on the debt owed. Tried to call the again to settle and they wanted me to pay more then the amount owed. This is unreasonable.
|
| 11/30/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
we have bill that was submitted to a collection attorney. we made arrangements to pay {$100.00} per month on the bill in the amount of {$1000.00}, with an interest rate of 10 % per annum. we have paid {$900.00} so far, however no money has been applied to the interest, and I was told by XXXX, that my original bill was {$2100.00}, instead of the XXXX. Then we have the court fees of {$220.00}, plus attorney fees of $ {$600.00}. The filing client is XXXX. the money paid has not been credited o interest or principal, it seems.
|
| 08/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
NELSON AND KENNARD IS CALLING TO COLLECT IN FULL ON THE CREDIT CARD DEBT THAT WAS INCLUDED IN BK AND XXXX XXXX ISSUED XXXX. I CONTACTED XXXX XXXX WHO STATED THEY DO NOT HAVE THE CARD INFO IN THEIR SYSTEMS AND THAT THEY VOIDED THE SALE/TRANSFER OF THIS PAST DUE DEBT TO NELSON AND KENNARD WHO STILL WENT THROUGH WTIH THE JUDGEMENT EVEN AFTER BEING NOTIFIED OF THE BK ... THEY SIMPLY ARE TRYING TO POCKET THE MONEY THEY ARE NOT ENTITLED TO BEGIN WITH.
|
| 06/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
I had spoken to a representative and explained that I have been under XXXX since XX/XX/2020 and under XXXX XXXX. She said ok she will make a note of it this was a week ago and today I get served a legal papers threatening to take me to court. I attempted to contact them 3 times And I get hanged up on once its transfer. And they pulled my bank transaction without my authorization this is a joint account and no one gave permission to do that.
|
| 05/28/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
my wages are being garnished for a debt that is not mine.I have received credit reports from XXXX, XXXX XXXX and this account is no where in my credit reports.After reading the writ of garnishment I noticed that the social security number *********** had been crossed out and my social security number *********** had been handwritten in.This is not my account and I feel like a victim to unfair debt collection.
|
| 12/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
On XXXX XXXX. I received a notice stating a legal action would be taken on a debt that I dispute. On XX/XX/XXXX, I mailed out a letter replying to notce. I openly disputed debt. ( please see attached ).
On XX/XX/2019 at approximately XXXX XXXX, a representative of Nelson and Kennard left a Court Summons on the front porch floor of my home address. A neighbor and cameras have the man recorded.
|
| 01/31/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
An attorney 's office acting as a debt collector has been assigned a debt that has been reduce to judgment. The debt has not been collected upon for nine years. I have tried to communicate with collector. But the refuse to discuss account ecause they say my social security number does not match their records. I have disputed account and asked for verification but they have not responded.
|
| 06/22/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Someone calling him/herself " XXXX XXXX XXXX '' has contacted me multiple times attempting to collect an alleged debt. I have demanded that " XXXX '' provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that " XXXX '' is authorized to act in loco creditore. " XXXX '' failed to provide all of the information I requested.
|
| 10/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2023 around XXXXXXXX XXXX received a knock on the door from an assumed process server. The man handed me a fax copy letter with my service address and another address of an unknown party. I contacted XXXXXXXX XXXX XXXXXXXX and was unaware of the process server. The debt collector information XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX XXXX XXXX
|
| 06/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XX/XX/XXXX approx XXXX I received a text from my friend at my home watching my dogs while I was gone starting a man came by to serve papers to me. My friend said I wasnt home he went on to look at the papers say that I was being sued by XXXX XXXX XXXX ... gave my personal information to a third party. Please help me with this matter as my rights have been violated.
|
| 02/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid my account in full with Law office of Nelson & Kennard on XX/XX/2023 and I have the confirmation letter but the company still hasnt taken the charge off my credit report it still says unpaid which is not true and Ive tried to dispute the inquiry and even provided proof I paid the account in full and they still havent done anything about it please help
|
| 11/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
on XXXX i check my bank account it was {$3700.00} hold on my account .I immediately call XXXX and i spoke to them and they given my phone number to contact XXXX police department.But unfortunately the phone number is connector to debt collector call Nelson and kennard Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ca XXXX
|
| 09/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
When called from contact number XXXX asked to take information down. I asked the caller by the name of XXXX to provide me the company name and she refused. She stated she can only disclose the nature of the call to the debtor advised that I am requesting the company name and still refused 4 separate occasions.
|
| 10/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
I have just received notice today from our payroll dept. that Nelson and Kennard filed a lawsuit against me and have won a judgement against me to garnish my wages. I am going thru a divorce and have half my GROSS wages withheld for CURRENT child/spousal support. How can I stop this? When was the hearing????
|
| 07/17/2015 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I filed BKXXXX on an acct. They previously put a lien on the property. I contacted the debt collection attorney office. Nobody wants to return my call and They say nobody is authorize to give me an acct number or name of the creditor. They keep referring me over to somebody who does n't want to call me back.
|
| 03/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am requesting that Nelson & Kennard please read the attached validation request and please provide any proof that I owe this debt to XXXX XXXX XXXX ( their client ) I have not filed a lawsuit as of yet. I am requesting no phone calls and to be communicated with in writing only.
|
| 09/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Nelson & Kennard filed suit against me in my county without supplying validation that I requested on numerous occasions. I requested original signed contract, original signed agreement, chain of authority, proof of charged off chain of assignment. So far no evidence of any.
|
| 02/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
was contacted by Nelson & Kennard Attorneys at law. XXXX XXXX XXXX, XXXX CA, XXXX attempting to collect from me {$2800.00}. That debt is not mine, neither the address where this letter was sent to.
|
| 08/29/2023 |
Yes |
- Credit 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
|
|
Web |
|
|
They continue to call me at least XXXX times a day and are unwilling to work on a lower payment plan and instead try to sue me in court.
|
| 02/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Nelson & Kennard have failed to follow proper protocol even after advised of mistakes and irresponsible handaling of legal documents.
|
| 01/03/2024 |
Yes |
- Debt or credit management
- Debt settlement
|
- Charged upfront or unexpected fees
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 07/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
|
| 01/27/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 08/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 04/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/25/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 03/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Phone |
Older American |
|
|
| 01/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 09/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 03/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 02/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 08/25/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/16/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/17/2017 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
|
| 11/03/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/31/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/07/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
Servicemember |
|
|
| 07/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 07/15/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 05/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 05/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
|
| 04/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 12/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Referral |
|
|
|
| 11/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
Older American |
|
|
| 10/08/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
|
| 08/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Phone |
Older American |
|
|
| 05/20/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 03/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 02/24/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/29/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/27/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/27/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/18/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 07/01/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/01/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 04/17/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
|
| 02/27/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 10/31/2013 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/10/2013 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|