| 01/27/2020 |
Yes |
- Debt collection
- Private student loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On or near XX/XX/XXXX National Collegiate Student Loan Trust ( NCSLT ) filed a civil action law suit with their chosen debt collectors of Patenaude & Felix against my mother and me for the amount of {$41000.00} alleging XXXX XXXX issued a student loan to us and later assigned it to NCSLT. My mother and I were served with a summons sometime near the end of XXXX begging of XXXX of XXXX. We then proceeded to file in Forma Pauperis along with our answer to the complaint filed by Patenaude & Felix for NCSLT.
My mother and I then filed an amended answer on or near XX/XX/XXXX. Shortly thereafter, on or near XX/XX/XXXX Patenaude & Felix filed a Motion for Summary Judgement for NCSLT. The motion was heard on XX/XX/XXXX and denied by the court due to the collection law suit being moved sometime in XX/XX/XXXX to the State of Nevadas court annexed program which is a non-binding arbitration governed by statues and court rules for the State of Nevada for any civil law suit that is less than {$50000.00}.
Arbitration took place on XX/XX/XXXX. On or near XX/XX/XXXX the Arbitrator filed his Decision and Award with the court. The Arbitrators Decision attached to this complaint concluded that there was no evidence that a contract was made or funded by XXXX XXXX to my mother and I. Even if a loan was made, there is absolutely no evidence that NCSLT was assigned the loan or has the right to collect it. The Arbitration Award was rightfully in favor of me and my mother. Shortly after, on XX/XX/XXXX Patenaude & Felix filed a Request for Trial De Novo on behalf of NCSLT. During our research on how to file a Motion to Strike Request for Trial De Novo my mother and I discovered that Patenaude & Felix, NCSLT, and XXXX XXXX , XXXX ( XXXX ) willfully violated several laws and court orders to pursue debt collection litigation against us!
A Motion for Summary Judgement was filed by Patenaude & Felix on behalf/for NCSLT on or near XX/XX/XXXX contained an affidavit from XXXX XXXX, an employee of XXXX, an application from XXXX XXXX XXXX alleging it to be a contract, an alleged Chain of Assignment, Pool Supplement/Bill of Sale, and various accounting documents. On XX/XX/XXXX in the United States District Court for the District Delaware, the Consumer Financial Protection Bureau ( CFPB ) entered into a consent order with NCSLT and XXXX specifically prohibiting NCSLT and XXXX from pursuing debt collection and providing specific statements or documents in attempt to collect alleged debts. The judgement order in which NCSLT and XXXX are listed as Defendants in the following case : Case XXXX and can be viewed directly online at the CFPBs website at : https : XXXX.
Further and more specifically the consent judgement order entered into with CFPB, NCSLT and XXXX have conduct requirements. Starting from paragraph numbered 8 of the consent judgement order, and quoting the case which is Case XXXX Document 3-1 Filed XX/XX/XXXX Page 10 of 40 PageID # : 30-33 below, states that : ( Note that Defendants are NCSLT and XXXX ) 8.Defendants must provide all Defendants Servicers that are engaged in the servicing or collection of Debts with actual notice of this Order within thirty ( 30 ) days of the Effective Date.
9.Defendants and their officers, agents, servants, employees, and attorneys who have actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, may not violate sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536, and must take the following affirmative actions : a.Defendants shall take all actions necessary to comply with the terms of the Order, including but not limited to ensuring that all of Defendants Servicers acting as Defendants agents comply with the terms of the Order.
b.Defendants must require that any of Defendants Servicers or other agents retained by Defendants in connection with servicing or collection of student loans ( 1 ) agree to abide by the terms and conditions of the Order and ( 2 ) require any agents that Defendants Servicers hire in connection with servicing or collection of student loans to abide by the terms and conditions of the Order.
c.Defendants and their officers, agents, servants, employees, and attorneys who have actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, may not initiate a Collections Lawsuit to collect Debt unless they possess : i.the documentation necessary to prove that a Trust owns the loan, including but not limited to, documentation reflecting the complete chain of assignment from the Debts originator to the specific Trust claiming ownership ; and ii.a document signed by the Consumer, such as a promissory note, evidencing the agreement to pay the loan forming the basis of the Debt.
d.Defendants and their officers, agents, servants, employees, and attorneys who have actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, may not initiate a Collections Lawsuit to collect on a loan for which the applicable statute of limitations has expired.
e.Defendants and their officers, agents, servants, employees, and attorneys who have actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, may not collect any Debt through Collections Lawsuits that Defendants or their agents have any reason to believe may be unenforceable.
f.Defendants, their officers, agents, servants, employees, and attorneys, and all other persons in active concert or participation with any of them, who receive actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, are permanently restrained and prohibited, in connection with the collection of a Debt, from submitting any Affidavit : i.containing an inaccurate statement ; ii.in which the Affiant represents, expressly or by implication, that the Affiant is familiar with or has personal knowledge of the Consumers education loan records or the maintenance of those records when that is not the case ; iii.in which the Affiant represents, expressly or by implication, that the Affiant has personal knowledge of the Consumers Debt when that is not the case ; iv.in which the Affiant represents, expressly or by implication, that the Affiant has personal knowledge of the loans chain of assignment or ownership when that is not the case ; v.in which the Affiant represents, expressly or by implication, that the Affiant has personal knowledge of the documents relating to the loans chain of assignment or ownership when that is not the case ; vi.representing, expressly or by implication, that the Affidavit has been properly notarized if the Affidavit was not executed in the presence of a notary or if the notarization was otherwise not compliant with applicable notary laws ; or vii.in which the Affiant represents, expressly or by implication, that any documents or records concerning the Debt that forms the basis of the Collections Lawsuit have been reviewed by the Affiant when that is not the case.
Patenaude & Felix, NCSLT, along with XXXX XXXX and XXXX XXXX XXXX of XXXX submitted affidavits after the CFPBs judgement order that were not only identical, but also violated all seven stipulations on or near XX/XX/XXXX in their Motion of Summary Judgement, in Arbitration held on XX/XX/XXXX, and again on or near dated XX/XX/XXXX in their trial brief attempting to collect a debt through a lawsuit willfully violating the court order issued XX/XX/XXXX in the United States District Court for the District Delaware Case XXXX blatantly committing contempt of court, fraud, and perjury.
Continuing by quoting paragraph number 10 of the CFPBs judgement order for Case XXXX Document 3-1 Filed XX/XX/XXXX Page 11 of 40 PageID # : 33 states : 10.Defendants are permanently restrained and prohibited from reselling Debt that is time-barred or for which Defendants lack the necessary documentation required by Paragraph 9 ( c ) without obtaining the written agreement of the purchaser to comply with this Order.
11.Defendants, their officers, agents, servants, employees, and attorneys, and all other persons in active concert or participation with any of them, who receive actual notice of this Order, including but not limited to all of Defendants Servicers, whether acting directly or indirectly, are permanently restrained and prohibited from, in connection with the collection of a Debt, providing any testimony in a Collections Lawsuit that contains any misrepresentations, including false statements that the witness : a.is familiar with or has personal knowledge of the Consumers education loan records or the maintenance of those records ; b.has personal knowledge of the Consumers Debt ; c.has personal knowledge of the loans chain of assignment or ownership ; or d.has personal knowledge of the documents relating to the loans chain of assignment or ownership.
12.If Defendants determine that any of their agents, including but not limited to all of Defendants Servicers, are on behalf of Defendants engaging in any conduct prohibited by this Order, including but not limited to Paragraphs 9 and 11 of this Order, Defendants promptly will take the necessary steps to ensure that their agents cease any and all practices that violate this Order.
The documentation is abundantly clear of the numerous and deliberate violations that Patenaude & Felix, NCSLT, and XXXX have committed against my mother and I including section 9 ( c ) ( i ) and ( ii ), all section 11 of the judgement order, FDCPA 15 USC 1692e, 15 USC 1692e ( 3 ), 15 USC 1692e ( 10 ), 15 USC 1692f, 15 USC 1692g, and sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536.
Rather than withdrawing their affidavit and or collection law suit, Patenaude & Felix, NCSLT, and XXXX refuse to remove their affidavit from any pleadings or cease collection efforts in accordance with paragraph XXXX of the judgement order for Case XXXX Document 3-1 Filed XX/XX/XXXX Page 12 of 40 PageID # : 34 - 35 14. With regard to pending Collections Lawsuits in which Defendants, through actions taken by Defendants Servicers acting on behalf of Defendants, have filed an Affidavit that contains any misrepresentationsincluding but not limited to false statements that the Affiant ( 1 ) is familiar with or has personal knowledge of the Consumers education loan records or the maintenance of those records, ( 2 ) has personal knowledge of the Consumers indebtedness, ( 3 ) has personal knowledge of the loans chain of assignment or ownership, ( 4 ) has personal knowledge about the maintenance of documents relating to the loans chain of assignment or ownership, or ( 5 ) has attached as an exhibit a true and correct copy of a documentDefendants must either withdraw the pending Collections Lawsuit or ensure that the Affidavit is withdrawn. Defendants must instruct their attorneys, Defendants Servicers, and their agents to either withdraw the pending Collections Lawsuit or notify the court of the following in writing while simultaneously providing the court with a copy of the Order entered into between the Bureau and Defendants : Plaintiff withdraws the affidavit of [ insert name of affiant ] pursuant to an Order entered into by the Consumer Financial Protection Bureau and the National Collegiate Student Loan Trusts.
My mother and I included a copy of the CFPBs judgement order in its entirety as an exhibit and requested the court to take judicial notice of the judgement order in our Motion to Strike Request for Trial De Novo filed on or near XX/XX/XXXX. The matter was argued in court on XX/XX/XXXX and the court denied our motion to strike. The presiding judge commented in regards to the CFPBs judgement order we attached to our motion was along the lines of that the findings where highly disturbing and was positive they would be argued and presented to the short trial judge.
Lastly, the collection law suit was moved to the State of Nevadas Short Trial Program set to take place on XX/XX/XXXX. Pre-Trial conference was held on or near XX/XX/XXXX. We confirmed our addresses with the court on or near XX/XX/XXXX and again during the pre-trial conference that was held on or near XX/XX/XXXX verbally confirming where to send documents however, Patenaude & Felix deliberately sent pre-trail discovery, interrogatories, and admission documents to our previous address in hopes they would not be caught abusing the discovery process and cause delay successfully stonewalling us from properly defending ourselves and submitting documentation in a timely manner to the court against the fraudulent collection law suit they continue to pursue. Further, this deliberate and scrupulous action of sending pre-trial discovery, interrogatories, and admissions to our previous address caused us to receive the documentation on or near XX/XX/XXXX when the court required all the paper work due on XX/XX/XXXX as ordered by the Pro-Tempore Judge in his notice we received on or near XX/XX/XXXX. The pre-trail documents contained the same false statements, documents, and affidavits that are the source of this complaint.
On XX/XX/XXXX and XX/XX/XXXX Patenaude & Felix yet again continues with unfair and deceptive collection efforts by avoiding or failing to contact my mother and I for pre-trial conferences that was to be initiated by them. In all due fairness and to no fault of my own, my cell phone does not receive the best reception at times and is damaged causing it to not always work or run properly. However, this does not excuse the fact my mother who is the co-defendant in this fraudulent debt collection law suit was never contacted. Had a conference line been provided or issued to call by the Pro-Tempore Judge, an issue of not being contacted or potentially missing a phone call due to technical errors to attend pre-trial conferences would have never been an issue and easily prevent underhanded or abusive legal tactics. Regardless, Patenaude & Felix has all the contact information required to contact me and my mother including phone numbers and deliberately abused initiating the pre-trial conference calls by only contacting my telephone leaving a message and not contacting my mother by phone whom is a co-defendant and I was with during both scheduled times for conferences in this fraudulent debt collection law suit making it appear as if we were ignoring and willfully un-attending pre-trial conferences. We were informed via letter received by the Pro-Tempore Judge on XX/XX/XXXX that we may now face court sanctions due to the abuse and blatant deception of Patenaude & Felix not contacting my mother/co-defendant on XX/XX/XXXX.
Patenaude & Felix, NCSLT, and XXXX continue to submitting affidavits with false and misleading statements and pursue debt collection lawsuits without having the full chain of assignment! They have been informed of the CFPBs judgement order and have all the documentation we have filed with the courts including all the information regarding this matter. Unless the CFPB immediately enforces court orders and the laws against these companies, they will continue this disgusting predatory behavior by filing false statements, misrepresentations, filing debt collection law suits when they do not have the right to collect, and committing fraud against consumers like my mother and I.
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| 01/25/2018 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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I am filing a new complaint against XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX ( XXXX ). InXX/XX/XXXX they have filed a garnishment of my salary at the Levying Office in XXXX XXXX, California. In response I filed an exemption with the Levying Officer of XXXX XXXX, and I was granted an exemption because of financial hardship that I could hardly support my family, due to my low salary.
XXXX XXXX XXXX XXXX XXXX receive and accept our monthly payment of {$150.00}, the latest payment was in XX/XX/XXXX. I am submitting this complaint because Patenaude has resurrected and actively renewed their garnishment, now against my sister who is my co-signer. Since, I was exempted for garnishment, in XXXX XXXX, California, Superior Court, this time they filed it in XXXX XXXX, Central Sheriff, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Phone ( XXXX ) XXXX.
Our family was stricken again by this notice, because we were given 15 days to file an exemption with XXXX XXXX Sheriff Office. My sister is having a financial difficulty because she is unable to work full time due to a successive vehicular accident that she suffered, she is physically unable to work full time, due to her XXXX problem which caused her to work for light duty only. She is most of the time absent from work. Also, she has four ( 4 ) student loans on her own to pay.
This default judgment was filed in XX/XX/XXXX, by XXXX XXXX XXXX XXXX XXXX with XXXX XXXX Superior Court, California without our knowledge. XXXX XXXX XXXX ( XXXX ) who was servicing XXXX XXXX XXXX XXXX XXXX did not inform us. We were stunned and dismayed when this XXXX XXXX XXXX XXXX XXXX sent us a copy of default judgment from the mail. We did not expect our private student loan to become delinquent and eventually charged off by XXXX, because we were paying XXXX every month, but XXXX failed to record the payment accurately to each and individual owner/lender of the student loan. Although, we were using our food money already to pay our student loan, we tried our best to pay in spite of our financial difficulties.
We investigated XXXX XXXX XXXX, why our 3 student loans became delinquent and eventually discharged off. I was told that, it did not matter wherever we record your payment, because you have a loan, this was the answer given to me over the phone by XXXX XXXX XXXX, employee. Only 1 active student loan was left with XXXX, that became overpaid, the 2nd XXXX loan, disbursed in XX/XX/XXXX, the rest of the 3 student loan charged off from XXXX : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. Of the 3 charged off student loan, only for 1st XXXX loan disbursed in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX filed a lawsuit and eventually filed a default judgment.
We found out that XXXX was submitting all our payment to the 2nd XXXX student loan only, the same owner/lender with 1st XXXX loan disbursed in XX/XX/XXXX. All the monies we paid, were paid to XXXX, loan No. 2 only, and no payment was recorded to the other 3 student loans. XXXX recorded and posted all the payment to this 2nd XXXX loan, even if there were specific instruction and notation on the check that each was for payment to individual loan owner. Upon charged off of this 3 student loan, the other 2 student loans from XXXX XXXX XXXX and XXXX XXXX XXXX accepted our pleading to let us pay {$150.00} every month, respectively. These 2 charged off student loan, were large amount, as compared to student loan, acquired by XXXX XXXX XXXX XXXX XXXX. But, Patenaude did not want to accept our payment of {$150.00} every month, but as of this writing receives and is accepting our payment, even if Patenaude filed the Court Case in XX/XX/XXXX.
Patenaude should not have filed a Court case, because we paid 1st XXXX loan, disbursed in XX/XX/XXXX combined with the 2nd Student XXXX loan, to the same owner/lender, XXXX XXXX XXXX XXXX XXXX loan disbursed inXX/XX/XXXX, sequence # XXXX. XXXX XXXX XXXX XXXX XXXX received both our payment to this ( 2 XXXX private student loans ), since XX/XX/XXXX up to the time, 1st XXXX student loan was charged off, because XXXX thought there were no payment made to this 1st XXXX loan, but due to inefficiency, and improper recording of XXXX it did not show any record of payment to 1st XXXX loan.
We were dismayed and stunned, and my mother almost XXXX of XXXX XXXX, when we received copy of the default judgment sent through the mail. We know nothing about the default judgment because we have continuously sent our payment through XXXX XXXX XXXX, Bill Pay. We did not expect this case would happen, because no communication has been sent to us by XXXX. Religiously we have been paying all four ( 4 ) student loan serviced by XXXX XXXX XXXX. To date, only one ( 1 ) is active current student loan remained with XXXX, because it became overpaid. We were not informed and were not aware that XXXX, was remitting all our payment including payment to other bank ( XXXX XXXX XXXX XXXX, to XXXX XXXX XXXX XXXX ), only to XXXX XXXX XXXX XXXX XXXX. XXXX was remitting the payment to Loan Sequence # XXXX, disbursed inXX/XX/XXXX As a result there were no payment recorded/posted to the rest of our private student loan, with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and to the 1st XXXX Student loan. In reality there were payment made to 1st XXXX student loan, because it went to the same Lender/Owner, XXXX XXXX XXXX XXXX XXXX, even if it does not show in the record of 1st XXXX student loan. Because XXXX accumulated all the money and paid it all to XXXX XXXX XXXX XXXX XXXX, every month, even if the other payment is for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. We have maintained and kept copies of all of our receipt of payment from XXXX XXXX XXXX
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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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Date : XXXX XXXX I'm filling a complaint in accordance with XXXX XXXX and Third-party debt collector on behalf of XXXX XXXX Patenaude & Felix XXXX On XX/XX/2021, I received a summons from Patenaude & Felix. My spouse signed these papers. As soon as I became aware that I was being sued for debt collection, I filed a response with the Court on XX/XX/2021 While awaiting for the court to approve my fee waived application, I faxed over the letter and mail a certified letter ( XXXX XXXX ) to Attorney Office requested a debt validation and forensic audit as I disputed the amount that was claimed by XXXX XXXX and attorney 's office that file lawsuit.
I have also tried to resolve this problem and have made it clear to them that I would rather avoid a long court process and the high costs associated with it.
On XX/XX/2021, I called Patenaude & Felix and spoke with my case manager ( XXXX XXXX. XXXX, XXXX ) .I explained to her my financial site that I am unemployed, raising XXXX small children, XXXX income with multiple debts owed to other creditors and that I am considering chapter XXXX if we can't come to an agreement with a settlement offer. I then again reminded her that I sent the letter requesting a debt validation and forensic accounting as I denied the amount {$17000.00}. She confirmed to receive the letter and will request it from XXXX XXXX.
On XXXX XXXX I called the office again as I am now upset that I did not receive debt validation, but only a generic cover letter from XXXX XXXX stating thank for getting hold of them and another letter ( 1 page ) dated XXXX XXXX from Patenaude & Felix stating that " the client has made a good faith determination that the information does not establish that a valid dispute exists.
I recited the case manager that the information I receive is not debt validation and I am entitled to the document and not just cover letter stating that I should accept and believe that it's valid and take their word and there are discrepancies of {$3500.00}.
She was rude and upset that I demand the debt validation. And twisted my words stated I should of requested the document which I did via certified mail and phone call on XXXX XXXX.
I told her it's her job to know the terms of debt validation. I made another attempt to resolve this issue and ask for settlement and avoid this stressful process. She went on to say that she could not even begin to negotiate or make an offer unless I admitted and accepted that I owed {$17000.00}. And now I have to wait for the documentation.
I responded NO its wrong amount to my best knowledge and stated its strange how she now refused to even get an offer when she did previously on the phone for {$11000.00}. Nor did she give me a proper document. She told me I had to wait and refused to talk about it.
On XX/XX/2021, the Court appointed the arbitrator, the Recusal was on XX/XX/2021, and the alternate arbitrator was appointed on XX/XX/2021.
XXXX XXXX, I called XXXX XXXX informing them that I can't get through the law office that collecting the debt and they refused to negotiate or settle this issue. I told them about the arbitrator and the gentleman said that they could not make an offer because it would be a double settlement. I then asked a question about the arbitration process. He is not aware of this and is not familiar.
Right afterward, I contacted case manager and again asked her about the arbitration court and ask if we can settle or she can't because now court move forward with arbitration. She acted as if the office had not received the same 3 letters that I received from the court with regard to this. She then put me on hold and the call was disconnected before I even had a chance to ask questions about the debt validation document again. She never calls back.
I have made numerous attempts to address this issue and I feel that the plaintiff ( Patenaude & Felix ) is breaching the duty of good faith and fair dealing as well as manipulation.I have attempted to take care of this debt in a fair way, but they have not been fair or honest with the process and with me. I too feel that the plaintiff intentionally drags this issue longer to where we are not unable to solve this prior arbitration and will cost more money. I have not received anything I requested or able to go over it with them and XXXX XXXX.
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| 06/12/2021 |
Yes |
- Debt collection
- Credit card 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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XXXX XXXX credit card is breaking the Fair Debt Collection Practices Act and consumer rights protection laws. They sold my debt to Patenaude & Felix a collection agency who has continued to break these consumer rights through misrepresentation, harassment, communication with 3rd parties, deceptive forms, and unfair practices.
In XX/XX/XXXX I paid {$350.00} on a credit card to XXXX XXXX. XX/XX/XXXX I paid {$110.00}, XX/XX/XXXX {$240.00}, XX/XX/XXXX paid {$95.00}, XX/XX/XXXX paid {$95.00}. The minimum due was {$92.00} at this time which was not even covering the interest. Although I was trying to pay more than the min due for many months I began to fall into the revolving interest trap. XXXX XXXX uses unfair practices including exorbitant interest rates and fees. XXXX of XXXX I missed a payment and the minimum due jumps from {$92.00} to {$220.00}. XX/XX/XXXX min due jumps to {$260.00} and I am able to make a payment of {$92.00}. Then in XX/XX/XXXX I missed a payment again due to a loss of wages and the min due jumps up to {$390.00}. XX/XX/XXXX min due is {$490.00}. XX/XX/XXXX {$590.00}. XX/XX/XXXX {$690.00}. Now it became impossible for me to catch back up with the payments which I was only paying interest on to begin with. Then XXXX XXXX sold the debt to the debt collection agency Patenaude & Felix. Breaking communication with 3rd parties act P & F sent a man to my door where my underage daughter answered. He tricked her into opening the door telling her he had an important package for her mother. Then he proceeded to throw the papers at her telling her she was " served ''. She was mortified when I got home. Then Patenaude and Felix began the harassing phone calls, They continued harassing with daily and weekly calls through out the National Pandemic of Covid 19 where I explained to them that I no longer had a job and had been given a notice to vacate from my house. The times I had tried to work out a payment plan with them they refused to take anything less than what they deemed as " substantial '' in the amount of {$350.00} which I explained that I could not afford. I continually asked P & F for a validation letter which I never received until I was sent the paper filings from the courts. I only received letters stating they are from " the attorney '' threatening " If I wish to avoid further collections activity. '' When I called P & F they claimed that they were not attorneys and they did not work for XXXX XXXX. Yet the court documents were misrepresented by stating I was being sued by " XXXX XXXX '' and not the collection agency Patenaude & Felix. All paperwork of correspondence state that they are from P & F attorneys. Court Papers were by " XXXX XXXX '' and employees that I spoke with were the from a collection agency named Patenaude & Felix. I never spoke to the attorney until I was at court where he agreed to call me after the judge deemed them to " work things out '' with me. When I spoke to the attorney and explained that I did not have a job or house, he explained that they would only take an amount that was " substantial '' and wanted {$150.00} a month. I stated that what is substantial to a XXXX dollar company such and XXXX XXXX was not the same as what is substantial to an individual without a job and house. Interesting note that XXXX XXXX had been " bailed out '' when they were in debt. He explained that if I did not agree they would just take more $ from me when he got the judgement from the courts. He finally agreed to {$75.00} a month which he explained if I missed or was late on any payments then they would take me back to court and get the max amount of money. Through this intimidation I agreed and was given no other choice. Another thing I found strange is the flag on the P & F website is from the XXXX XXXX. Am I being sued from a company that's from the United States? Is P & F a law firm, collection agency, or are they XXXX XXXX?? Court documents stated XXXX XXXX, letters are from attorneys, and employees are employed by the collection agency P & F.
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| 01/07/2020 |
Yes |
- Debt collection
- Credit card 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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Good Morning, I am XXXX XXXX, consumer. I am filing a formal complaint against PATENAUDE & FELIX, A.P.C. for their transgressions and breach against my personal information. PATENAUDE & FELIX, A.P.C is in direct violation of 15 U.S. Code 1692c ( a ) for communicating with me in an attempt to collect a debt without my expressed written consent or the expressed permission of a court of competent jurisdiction. I allege PATENAUDE & FELIX, A.P.C, has purchased or is collecting a debt on behalf of XXXX XXXX for a credit card account ending in XXXX. This contract that was created with XXXX XXXX is null and void because I entered into this contract and was not given full disclosure of all the credit terms.
Pursuant to 15 U.S. Code 1631 ( a ) a creditor or lessor shall disclose to the person who is obligated on a consumer lease or a consumer credit transaction the information required under this subchapter.
Pursuant to 15 U.S. Code 1635 Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.
The disclosure of my right to rescind the contract was never given to me and was removed from the terms and conditions of the contract. I was also never provided with the proper rescission forms that contained any material disclosures. This was done in an attempt to prevent me from making an informed use of my credit pursuant to 15 U.S. Code 1601 by omitting these material disclosures which is a violation of the Fair Debt Collection Practices Act and Truth in Lending Act. This contract shall be deemed void and unconscionable. PATENAUDE & FELIX, A.P.C is complicit in this fraud because they are now attempting to collect on this debt.
PATENAUDE & FELIX, A.P.C is also in direct violation of 15 U.S. Code 1692e. They have communicated with me and have made several statements that are false or misleading. PATENAUDE & FELIX, A.P.C has violated 15 U.S. Code 1692e ( 2 ) ( B ) by falsely representing that they are providing a service or representing SYNCHRONY BANK because according to 15 U.S. Code 1692e ( 3 ) it is a violation for anyone to misrepresent that they are an attorney or even imply that they are an attorney or that that any communication is from an attorney. Pursuant to 15 U.S. Code 1692e ( 10 ) the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer is a violation of the Fair Debt Collection Practices Act.
PATENAUDE & FELIX, A.P.C has severely violated my rights as a consumer! They are communicating with me without my consent and are being deceptive in the practices that they are using. I am demanding redress or will be filing a lawsuit in federal court for their transgressions. They claim to be lawyers and are violating the laws they are supposed to be upholding. This is down right wrong and fraudulent!. They must be stopped
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| 05/18/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Don't agree with fees charged
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Web |
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I called Patenaude & Felix XXXX XXXX, on XXXX XXXX, XXXX, per your instruction. A certain lawyer answered, and said, just continue paying {$150.00} and we will just continue receiving it. We did not reach an agreement to pay specific amount monthly, because they are requiring a monthly payment of more than {$150.00}. They are accusing me that when I called in XXXX XXXX, I offered them to pay {$700.00} but I did not offer this amount because I can not afford it, I have XXXX others students loans that I am paying every month. I am under a severe financial hardship and difficulties, I am just a job trainee, and married. An evidence of this financial hardship, is already known to Patenaude & Felix XXXX XXXX, because their claim for Salary garnishment submitted to my employer was dismissed by Levying Officer of XXXX XXXX, CA, in XXXX XXXX, XXXX because I have a negative monthly balance of my salary over my expenses of ( {$900.00} ). My urgent concern is this complain, Patenaude & Felix XXXX XXXX has filed a Memorandum of Cost worth, {$4800.00}. I learned about this Memo of cost yesterday, XXXX XXXX, XXXX, it was delivered to me in person, I do not live with my parents address since, XXXX XXXX. Please help me, because this Patenaude has won an immediate default Judgment against me without my knowledge. They have succeeded in filing all kinds of Court document with the Superior Court of XXXX County, XXXX XXXX XXXX, Unlimited Civil case. These documents are Civil case, Declaration of Venue, Summons, Complaint-Contract, Cause of Action, etc. I have seen documents only because I requested copies from Superior Court of XXXX County, XXXX XXXX XXXX, through the internet ; I paid for each copy, because I needed it to support for my Claim for Exemption for Wage garnishment. I would not have known this completed case filed by Patenaude, had my employer not shown me the claim for Wage garnishment, but XXXX answered my prayer, the Levying Officer of XXXX XXXX dismissed it. We are paying this student loan that Patenaude & Felix XXXX XXXX filed a case, since year XXXX, after the forbearance period of this student loan, our payment was paid to XXXX XXXX XXXX XXXX XXXX XXXX, it was included and combined into my other student loan, that is why my other student loan became overpaid for up to 2 years. I talked to XXXX XXXX XXXX, who serviced this loan, disbursed in XXXX XXXX, XXXX. I asked XXXX why did they not informed me that they were not paying this XXXX loan, because I have XXXX separate/invidual private student loan with XXXX XXXX XXXX XXXX , XXXX My payment is specifically instructed in each direct debit from XXXX bank, so, I have all the copies of all my payment, since we religiously paid our loan, partially since XXXX. Patenaude & Felix XXXX office wording in their cases filed against me is in error. The have declared my default judgment to an amount of {$52000.00}. What should I do since, I have been paying this loan since year XXXX, but XXXX made an error by not recording it to the appropriate individual loan, and they did not inform me. XXXX used XXXX account number, so regardless of how many loan I have, only XXXX account number is assigned. Please stop Patenaude from pursuing this case, because it is in error. XXXX last recorded payment for this loan was in XXXX/XXXX/XXXX. So, in XXXX/XXXX/XXXX, XXXX declared this loan as delinquent and eventually was released back to the guarantor, XXXX XXXX XXXX XXXX , XXXX, in the amount of {$47000.00}. XXXX XXXX assigned this account to XXXX Collection agency, and then to Patenaude & Felix XXXX XXXX. We have paid this student loan since year XXXX, XXXX, XXXX, XXXX & up to the present date. Also, the California laws stated that a debtor is given 270 days for non-payment, and 335 days for partial payment. Thank you.
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| 04/27/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Don't agree with fees charged
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Web |
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My name is XXXX XXXX XXXX, we sent our children to college, my son graduated in XXXX but could not get a good job because of this bad record of this student loan. We incurred XXXX ( XXXX ) private students loan with XXXX ( XXXX XXXX XXXX Student Loan ). Although, our children are helping us pay in small amount, we are in great financial difficulty because my husband lost his job and have not found a job, since XXXX years ago, my salary is not enough to cover all our student loans. We were behind payment in XX/XX/XXXX, so we applied for loan forbearance. Were able to start payment again to ( XXXX ) XXXX XXXX XXXX. But XXXX, put all our payment to XXXX account number, even if there was an instruction, a direct debit from XXXX bank to each individual loan. XXXX did not informed us, that they were using only XXXX ( XXXX ) account number for all their remittance to XXXX XXXX XXXX student loan. Even if XXXX did not record the payment to each individual loan, the actual payment of XXXX student loans were received by XXXX XXXX XXXX. As a result of incorrect recording, XXXX XXXX XXXX, through Patenaude & Felix Law Office, of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, filed a XXXX ( XXXX ) defaulted student loan case against my children, in Superior Court County of XXXX, Justice Center, in XXXX XXXX, California. We have no idea, we were not informed about the wrong recording by XXXX, until we received a copy of the Superior Court Case defaulted judgment, sent to us through ordinary mail, in the mailbox. Nobody in our household ever received or signed a notice of subpoena about any court case against us. Except the copy of the defaulted judgement against us, which we received in the mailbox. In XX/XX/XXXX, we filed a Claim of Exemption for Salary Garnishment, at the Levying Officer, in XXXX XXXX, Ca. Since, we need a supporting document to attached to the Claim for exemption for salary garnishment, requested and paid copies of original documents through the internet, from Superior Court, XXXX XXXX, we were surprised to find out that Patenaude & Felix Law, has filed a completed Court documents, against us, without us knowing about it. One of the document is a " Proof of service by mail '' that we do not have any idea, and we did not know the existence of those document. The Salary garnishment filed by Patenaude & Felix Law office was dismissed by the Court on XX/XX/XXXX. On XX/XX/XXXX, through an ordinary mail, in our mailbox, we received a copy of Memorandum of Cost after judgment, requesting us to pay an amount of {$4800.00}, with the rate of 10 % interest, the date typed in this memorandum, is XX/XX/XXXX, it was stated, it was mailed on XX/XX/XXXX, but we received it on XX/XX/XXXX, we are given XXXX days to be able to respond to this demand. We are objecting to this demand, of {$4800.00}. Because we never had any opportunity or any court proceedings or hearing and this amount is unreasonable. In addition to we are incapable of paying this amount, because we do not have any money in the bank, we are in great financial difficulty even with our basic necessity. All this court documents were filed by Attorneys employed by Patenaude & Felix collection Law Office, by Attorney, XXXX XXXX XXXX, and XXXX XXXX XXXX, this is also, the same office where we are remitting our student loan payment of {$150.00} every month. Memo for cost was a result of defaulted judgement that Patenaude & Felix, won in court due to student loan, that we have continuously been paying, and due to XXXX incorrect recording of our payment, but the truth of the matter, XXXX XXXX XXXX has been receiving our payment, since the beginning when we started paying after forbearance. They should not have sued us in court.
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| 04/06/2021 |
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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The Law Office of Patenaude & Felix has been engaging in some unfair practices of illegally charging and trying to collect on interest and fees that are not entitled to them. The original creditor, XXXX XXXX, closed the consumer credit account ending XXXX in XX/XX/XXXX with the balance of {$3200.00}. Patenaude & Felix issued a judgement to collect {$3400.00} on XX/XX/XXXX. In account of the court fees of {$180.00} XXXX documentation can be provided XXXX, that total should equal {$3300.00} and NOT {$3400.00}. In status quo, the account is now at {$3600.00} XXXX {$230.00} more than what is originally stated including court fees ).
Also, because the judgement is reaching its 4-year mark, according to Nevada law ( NRS 11.190 ( 2 ) ), the statute of limitations ceases Patenaude & Felix to continue to try to collect on this debt.
And, due to me no longer living in the state of Nevada, Patenaude & Felix is considered to be outside of their jurisdiction to try to continue to collect on this debt. This company refuses to close my account and send it back to the original creditor so that I can take care of this account accordingly. All I ask is that the firm legally abides by state law and releases the collection account back to the original creditor.
Heres my story : I spoke with a Credit Specialist by the name of XXXX XXXX around XXXX XXXX. central time on XX/XX/XXXX, XXXX Company, Patenaude & Felix, XXXX XXXX, NV location ) in an attempt to start a payment plan on my account. I told XXXX that I did not want to pay the unreasonable amount of {$3600.00}, when my account originally defaulted on a total of {$2700.00}. He insisted that I can pay {$2900.00} if I set a payment amount of $ XXXX month for a year ( which is unaffordable for my current situation ). So, I politely declined. Then XXXX set up for making a monthly payment of $ XXXX month for 48 months until the full amount of {$3600.00} was paid off ( in which I made no payment as of now ), as goes beyond the original loan I defaulted on ( {$2700.00} ). This company wants me to pay almost {$900.00} more than what was owed to the original creditor. Also, this company sued me for the amount back in XXXX, nearly 4 years ago, and now that I reside in another state, they are actually NO longer able to collect from me due to my location being out of their jurisdiction. I was told by another representative by the name of XXXX XXXX when I called back XXXX that because this was out of their jurisdiction, that she would have to close the account and send it back to the original creditor XXXX XXXX XXXX ). I agreed for her to do that and shockingly she got very upset stating that she wouldn't close the account. She tried to convince me that the defaulted judgement this company has sued me for was not going to go away and that the debt would only be sent to another collection agency and that I should just go ahead and pay them anyway. I resisted and it made her even more upset. After that I ended the call. This law firm simply needs to be investigated because charging outrageous fees and having debt collectors act so viciously is unacceptable.
Today, XX/XX/XXXX, I spoke with XXXX XXXX and a supervisor by the name of XXXX and now they are stating that they CAN NOT close my account and send it back to XXXX XXXX after confirming that, yes they can not collect from me due to jurisdiction limitations. I called XXXX XXXX, my original creditor, and they are telling me that Patenaude & Felix can definitely close my account and send it back to them. Sounds like a scam is going on.
Company Information : Patenaude & Felix APC XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX XXXX
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| 05/21/2021 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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National Collegiate Student Loan Trusts XXXX and XXXX sued me on two debts that XXXX allegedly came to own. XXXX packages debts into trusts based on the years in which the original debt was incurred, therefore I will be referring to them as the XXXX and XXXX matters. Based on the amounts and because I live in XXXX, they sued me in the Supreme Court of the State of New York XXXX XXXX of New York. I was served papers for these lawsuits in XXXX of XXXX ( for the XXXX matter ) and XXXX of XXXX ( for the XXXX matter ). I had my attorneys draft a response to both lawsuits, as I am under the belief that National Collegiate Student Loan Trusts does not own these debts.
When we entered into discovery, I received some documentation for the XXXX matter, though not enough to satisfy me as to XXXX 's claim to the original debt. As to the XXXX matter, I received no discovery at all. I found that odd, since I do not recall with certainty the original debtor in that instance. On XX/XX/XXXX, I received a Stipulation Discontinuing Action from XXXXXXXX XXXX XXXXXXXX on the XXXX matter. They dropped the suit. Curious as to why, I found that New York 's Department of Financial Services filed suit against XXXXXXXX XXXX XXXXXXXX a mere 8 days prior ( XX/XX/XXXX ) for " not [ honoring ] requests by consumers for substantiation of debt, that is, requests for information proving the validity of the debt and XXXXXXXX XXXX XXXXXXXX right to collect the debt. '' They had sued me and failed to uphold even the appearance of their duties as officers of the court to provide discovery, and attested to having reviewed documentation that they did not even provide me in the most high-stakes possible environment - a lawsuit that they themselves had initiated. And they engaged in this behavior knowingly.
It was my understanding that as of XXXX of XXXX, this body ( CFPB ) had enjoined National Collegiate Student Loan Trusts from entering into any lawsuit absent an audit that was to determine whether or not XXXX had sufficient paper-trail for Chain of Assignment to substantiate a lawsuit. It was also my understanding that under that agreement, XXXX was to communicate and make clear to counsel representing them that they were not to enter into any lawsuit from that date henceforth until that audit was complete. Either XXXX did comply and its counsel did not heed this order ( there was an internal lapse in communication that led to an extreme collections action such as a lawsuit - a seemingly convenient mistake that would have led to collecting on a bad debt had I not been as diligent as I am ), or XXXX did not comply and its counsel was derelict in providing discovery to me, or the discovery doesn't exist because there was no documentation into the XXXX matter ( the likeliest scenario ).
I am an XXXX XXXX XXXXXXXX by profession, whose career has taken him through the process of remediating many shortcomings as a result of consent orders by federal and state regulatory authorities. I have been audited, and in my career I have created many procedures in anticipation of audits. I have wanted to look at this XXXX audit report myself, its methodologies ( whether or not the standards were lax or stringent ), and its determinations with respect to both the XXXX and the XXXX matters. I do not take kindly to violations of consent orders, especially when they lead to adverse actions that harass people who are otherwise going about their daily lives.
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| 08/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I had a joint account orginally with XXXX then XXXX XXXX ( name change ) that was open in XXXX XXXX. The terms of the purchase was a promotion that ended a year later. Monthly, most times Bimonthly payments were made directly from my bank account to XXXX bank. I did complete the payments in XXXX. I got a letter from the Magistrate 's Court I believe in XXXX XXXX. I was being sued in a civil matter by XXXX XXXX Collection Attorney, XXXX XXXX of Patenaude & Felix citing non payment of the TOTAL amount of the credit! We appeared in court on XXXX/XXXX/XXXX. I presented over XXXXpage of bank statements showing the dates and amounts of the payments that were made to XXXX. The Plaintiff 's attorney had no proof of non payment. The Judge taliied the payments and found it to be paid off and found in my favor. In XXXX XXXX I got notice that a default judgement was ordered against me for the amount that I had proven already paid plus court costs. I had gotten Notice of XXXX or XXXX date ... ONLY the judgement. I went to PA and immediately filed a petition to srike the judgement ( i becane an attorney in 4 hours )! A few days later I got the notice of the judge granting my petition & a new trial date was set for XXXX/XXXX/XXXX. The following day I got XXXX XXXX acknowledgement. On XXXX/XXXX/XXXX I took the bus to PA and the plaintiff 's attorney never showed so the judge ruled in my favor. An appeal was never submitted as I did not receive any notice as clarification was noted as to which address they should send any information to. So stand. my original finding & judgement from XXXX/XXXX/XXXX that the credit was paid off. I submitted the dispositions to XXXX, once in XXXX and again in XXXX. They removed the entry from my credit file. I was unaware that I had to individually submit documents to all XXXX bureaus. Recently I had my credit run as I am trying to obtain a VA home loan. The agent informed me that my XXXX was XXXX, they could n't get my XXXX and XXXX was XXXX. He informed me that XXXX XXXX was listing a charge off for over {$5000.00}! I uploaded and mailed all three bureaus the court documents and waited a month and XXXX and XXXX remained unchanged. I called both. I was told XXXX review was on going BUT XXXX stated they could not remove the listing because there is no link between XXXX and the court documents! I then proceded to send them XXXX pages of court files clearly depecting the link between XXXX XXXX, the amount they were pursuing, their collection agent XXXX XXXX of Patenaude and Felix and the XXXX Court Rulings in my favor. After many hours of frustrating phone calls I do not know what else they need to remove this negative from my file. I have paid Synchrony, proven that in a US court, paid additional money to file petitions, won that, travel to PA, fax and mail several pges of documents on more that one occassion and they STILL do not have enough evidence! XXXX handed the case to a debt collector. Contacting them INSTEAD of the debt collector will keep me in the same place since my court documents are not enough for these credit bureaus. I have lost all patience, my character has been slandered and I have no more money to out into fighting a case that should never had been. Please help!
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| 01/28/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I would like to file a complaint against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, as this company has violated the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 2 ) ( a ) " The false representation of - the character, amount, or legal status of any debt. '' The last written affirmation of this debt and attempt to collect payment was made on XX/XX/XXXX by representative XXXX XXXX via USPS mail. The company also attempted to contact via phone multiple times during all hours of the day, including calling my familys landline phone without mine or their consent, with the most recent verbal contact via voicemail on XX/XX/XXXX. In early XX/XX/XXXX, I was contacted by Patenaude & Felix , A.P.C., regarding an outstanding debt with XXXX XXXX Credit Card Company that occurred in XX/XX/XXXX. Communication was written form, as well as verbal communication via phone at all hours of the day and night. I was repeatedly contacted and left threatening voicemails on my cell phone advising that I owed this debt and needed to make payment arrangements with Patenaude & Felix to pay the balance of {$3200.00}. I was also threatened by one of their representatives via an anonymous number on my cell phone at XXXX PST on XX/XX/XXXX stating I needed to be at my residence within an hour so that they could serve me paperwork to which I needed to show two forms of ID and sign. If I was not present at the address, they would view it as being non compliant and seek law enforcement officials or go to my familys house or personal contacts on file in an attempt to locate me. However, upon consulting with a credit monitoring company, I was provided with a copy of my XXXX Credit report, which reflects that XXXX XXXX reported that this debt was charged off and taken off my credit report in XX/XX/XXXX. According to the California State Attorney General, the statute of limitations to collect upon a debt in the state of California ( to which I reside in ) is 4 years. Upon further review of this same credit report, Experian reports that Patenaude & Felix, A.P.C unlawfully accessed my XXXX credit report in XX/XX/XXXX and in XX/XX/XXXX without my consent, making it evident that Patenaude & Felix, A.P.C was aware that this debt had been reported by XXXX XXXX as being charged off and taken off of my credit report after the 7 year limit. Patenaude & Felix is fraudulently misrepresenting the status of the debt, in an effort to obtain payment and collect further personal and financial information. In using the internet to research this company, I found many incidents of complaints, due to unethical collection tactics, fraudulent misrepresentation, and harassing customers. I have continually rejected all of their attempts at communications with me. I have provided evidence that they have violated my consumer rights and I will consider all further communications from them and further attempts to access my credit report a form of harassment.
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| 09/29/2015 |
Yes |
- Debt collection
- Credit card
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- Improper contact or sharing of info
- Contacted employer after asked not to
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Web |
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I had a collection agency Patenaude & Felix call at work. When I picked up I was surprised to even hear them state they are a collection agency trying to collect a debt. I interrupted them and stated that this is a work phone and to not call back. I hung up. After that I have received several more calls and voicemail from them. I received a garnishment letter from my employer stating that Patendaude & Felix is garnishing my check. I called the company and they verified that the phone number they have on file which is my work number and that the second number to call which is my actual number. They than said that they have a mailing address of XXXX XXXX for me which was just updated. and stated XXXX previous addresses. I said that I have lived in the same house for over 5 years and the XXXX XXXX address is my work address and i just started working here 2 years ago. so it was weird they had that address but not my current address that I have had for 5 years. I also stated the other XXXX addresses were from XX/XX/XXXX. I asked how they can not send me any notification through the mail and how they can have an address form XX/XX/XXXX and my work address from XX/XX/XXXX but not my current address from the last 5 years. I have no clue how they can conduct business or how the courts can give them a judgement when I was nevered notified. I called and told them that I have been paying everything off that was on my credit report so I can rebuild it and have been working on this for the last 2 1/2 years. I stated i have never received anything from them and Im willing to set up a payment arrangement in order ot stop them form garnishing {$550.00} out of my check. They said the only way is to pay {$1000.00} down then they would stop the garnishment and refund my {$550.00}. I said that I do n't have that kind of money. I said can they just keep the {$550.00} that was taken out of my paycheck as the down payemnt and then start a monthly plan. They refused. I said Im trying my hardest to get this resolved and you are not making it easy especially for someone that was never notified. I received a notice from a debt collector a month ago saying I owed on a credit card. I immediately called them and set up a payment plan. So im not sure why I never received anything from them. I get I owe them the money and I want to make it right but when you only get {$1500.00} a month and they take out XXXX that leaves me XXXX and my car payment is XXXX insurance is XXXX, phone XXXX, plus rent and utilities and my current {$50.00} a month credit card bill and the now {$100.00} for another past due credit card. I also owe taxes because im single with no dependents so I owe every year. How can this be fair. I just want to pay them but also want to be able to pay my other bills. I was at a XXXX credit score 2 years ago and now XXXX which I have worked hard to get to. Now what do I do? not pay my bills because of this crazy company?
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| 07/15/2019 |
No |
- Debt collection
- Private student loan 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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The debt first became delinquent in XX/XX/XXXX. They filed suit against me in a county I didn't live in, in XX/XX/XXXX, which was more than a year after the statute of limitations had passed. I never received notice of the suit so that I could respond or was aware in any way of the suit. They then, last month, got a hold of my address and mailed a writ of garnishment to my apartment complex without my apartment number on it so that I couldn't receive it or respond and followed through with garnishing my wages. I am a single mother and rent in my area is very high. I pay over $ 1500/month for a 2 bedroom apartment for my XXXX children and I and I also have bad XXXX and am in need of XXXX XXXX for a XXXX on my XXXX that I recently found out about, but have not been able to schedule because I'm barely scraping by and can't afford the time off of work right now. I emailed the company with a dispute as soon as I was notified by my employer and advised them that I was disputing several things about the garnishment, of my medical and financial situation, and that I needed it stopped and for someone to contact me but nobody did. That was over the weekend, and my paycheck on Friday was garnished for {$300.00}. I called Thursday afternoon and got their voicemail so I left a very detailed message about everything begging them to do something and they called me back the next day while I was at work. I called back on my break and got voicemail again and told them when I would take lunch and asked if they could answer then or leave me a message with the time they would be available or for someone else to talk to and still got voicemail when I called on my lunch. I left another voicemail and indicated I would be on lunch for a specified period of time if they could please try to get back to me and they called back an hour and a half after I had said I would be available. This was very important so I answered and left my desk to go to the patio and tried to talk to the guy and told him I couldn't go into a bunch of details because I was at work now but based on my long very detailed voicemail which he acknowledged receiving, could he please tell me if there was anything they could do but he refused to discuss it with me because I wouldn't go over all of the details again at work although he admitted having heard them all on the voicemail. Not only have they been unhelpful, but they have, what feels like intentionally, sent things to me in a way that I couldn't respond, their attitude was negative and not respecting of my privacy when I couldn't go into details at work, although I had already given them to them, and tried quite a bit to reach them outside of work to discuss it, but most of all, they filed suit against me well after the statute of limitations in my state was up.
|
| 08/21/2017 |
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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On XXXX XXXX, I came to a settlement agreement with XXXX XXXX XXXX, a representative of the collection firm Pateneaude and Felix A.P.C. concerning the listed file number. I was forced to reach an agreement with this representative due to XXXX XXXX refusal to work with me. My contact through XXXX XXXX was XXXX XXXX and it was difficult to reach him and get responses or answers in a timely manner. While his letter referred me to Pateneaude and Felix to resolve the account, I had on more than 1 previous occasion rescinded any rights to transfer my information or account outside of XXXX XXXX. As a result of forcing my hand, per the attached settlement letter, the amount of {$4100.00} was paid in 2 installments of {$250.00} on XXXX XXXX and {$3800.00} on XXXX XXXX as the enclosed copies of the payment receipts show. As a result of my payment in full, I contacted XXXX on XXXX XXXX, XXXX at approximately noon to request an immediate paid in full letter to be emailed to me at XXXXXXXXXXXX as soon as the payment had cleared. This representative became rude when I stated that I wanted the letter to be sent to prevent any additional fees to be suddenly added after my final payment. The final payment cleared my bank as of XXXX XXXX and 2 weeks have passed with no letter of confirmation of payment in full. I felt very threatened when XXXX had a court appointee bang on my front door hard enough to dent the strike plate and damage the latch in order to issue a summons at the beginning of this entire confrontation with a letter in the summons dated from XXXX XXXX, XXXX and presented to me on XXXX XXXX, XXXX. On my initial contact with XXXX, I expressed my complaint at the way the summons was served and that my wife and I felt threatened at the scare tactics used. His response to me was Im a lawyer so I know the law and I dont care what you do and his language was very confrontational and his statement about the aggressive tactics were to get my attention. I am requesting a completion of payment and paid in full letter in accordance with my request to XXXX and in accordance to the total in the agreement letter to be mailed within 24 hours of your receipt of this certified return receipt letter. This letter and its accompanying documentation will be mailed to both Pateneaude and Felix and XXXX XXXX and will be retained for any possible future action that might be needed. I will be notifying the Better Business Bureau and the Consumer Finance Protection Bureau about this complaint.
|
| 03/18/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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XXXX XXXX ( debt from XXXX ) hired Petenaude Felix - represented by XXXX XXXX XXXX. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX XXXX XXXX XXXX XXXX. BAR # XXXX On XX/XX/XXXX Patenaude & Felix ordered the sheriff to levy my bank account for a debt that belongs to XXXX who was added to my account to manage my bill pay. I was never notified by Patenaude & Felix or by my bank about this levy.
The company I work for makes a direct deposit to my bank account.
XXXX went to withdraw the money to pay the rent but was told by the cashier that the account was levy two days ago.
She told the cashier Mr. XXXX that this debt does not belong to XXXX XXXX and this is his account. He said that there was nothing that can be done.
XXXX contacted Patenaude & Felix XX/XX/XXXX and spoke to lawyer XXXX XXXX explaining to him that the bank account belongs to XXXX XXXX and the debt belongs to XXXX. XXXX said he will contact XXXX XXXX and have them release the funds and will notify her but he never did. XXXX called 2 days later and the next day but XXXX said there was no response as yet. ( Later, I found out that there were a 10 days hold on the levy. And within that time the funds can be refunded back to the original owner ). So Mr. XXXX XXXX was just stalling and only got back to her after the 10 days grace period was over with the response that they will not release the funds back to the account.
On XX/XX/XXXX XXXX went to the bank branch manager Miss XXXX XXXX and discussed the problem with her but she said there was nothing that she can do. So XXXX wrote the Bank cooperate office. Miss XXXX XXXX said she can not do anything but I can contact the sheriff.
We spoke to Miss XXXX at the Sherriff department in XXXX XXXX and she explains to us that when the sheriff came to the bank, the bank associates are supposed to notify him that there is another person on this account and in that case this other person must be notified first before the account can be levy. I XXXX XXXX WAS NEVER NOTIFIED BY MY BANK. Even 2 days later after they levied the account. I did not get any alerts. And they all LIED TO us that there was nothing they can do.
The bank made a big mistake by not informing me about this levy and refused to release my funds back to my account.
Patenaude & Felix made a mistake by taking my full salary for a debt that does not belong to me.
Please CFPB kindly addresses the matter for this is not only a disgrace to our country but discrediting what we the USA stand for.
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| 12/31/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Patenaude and Felix ( P & E ) reached out to me about settling an old judgement, originally filed in XXXX. I have received countless letters from them in XXXX, offering {$2200.00} to settle a {$11000.00} debt with XXXX XXXX. Unfortunately, at the time ( XXXX ) I was unaware of, and never served, the judgement, so it went unanswered.
Since XXXX, the debt has been transferred to different collection agencies. However, I received no formal notice or court doc stating that P & E had taken over for XXXX. In fact, when I called XXXX in early XX/XX/XXXX, the rep explained that XXXX held the judgement. Then, XXXX confirmed it was transferred to Patenaude and Felix.
Recently, my financial bank brought it to my attention that a active lien is on my property, which prevented any financial transactions, until it was cleared. I called P & F to discuss the account and they sent letterhead on XX/XX/XXXX requesting a settlement amount of {$2200.00}, to be paid by XX/XX/XXXX. A cashier check for that amount was XXXX XXXX received and signed by someone in the P & E office by XXXX on XX/XX/XXXX. On that same day, after XXXX, I received an email from them stating that they can not accept the payment and insist that I call to discuss. I refuse to call them, simply because I could not trust a verbal communication with them, considering they had just reneged on a written agreement to accept the settlement payment of {$2200.00} by XX/XX/XXXX. They are not being transparent or honest.
Between XX/XX/XXXX to XX/XX/XXXX they have ignored all my previous emails/questions and phone calls. They, also, have ignored all third party ( bank and escrow company ) emails and phone calls. P & E finally reached out to me via email, AFTER the cashier check was received, on XX/XX/XXXX. They were attempting to answer an older email ( dated XX/XX/XXXX ) by stating they could not talk via email, urging that I needed to call them. No mention was made of the cashier check. After I explained that I wanted a Satisfaction of Judgement for receipt of payment, is when I got the response that they would not accept my payment. It was all a ploy to coax me into to calling about an old email, just to verbally give me reasons why they won't accept the payment we all agreed to.
Unfortunately, I have to keep using the word " they '' when referring to the person corresponding with me, because I have yet to know who is on the other side of the emails. No name was given when I have asked.
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| 01/26/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am requesting the assistance of CFPB for this ongoing matter with Patenaude & Felix ( P & F ). I have sent them emails requesting a clear understanding of the offer terms. To recap, I received an offer letter for a final and one-time payment of {$2200.00} with a deadline of XX/XX/XXXX. However, the terms of the offer were not clear.
P & F has refused to reply to my emails or phone calls and did not send any other notifications to me, all though they claim they did. The office manager at the escrow company ( who was to fund the offer money ) has confirmed that she, too, received no notification or return calls, in regards to requesting an extension of time past XX/XX/XXXX. Later, PF produced and submitted a copy of the letter of extension to XX/XX/XXXX to CFPB that they claimed to have sent to everyone involved, yet no one received it. and they sent pages of correspondence to CFPBthat no one seems to have, with no proof of delivery to me or the escrow company. Nevertheless, I sent a cashier check of {$2200.00} prior to the first deadline ( XX/XX/XXXX ) since they refused to answer and demonstrated unethical practices that could not be trusted.
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The issue of their terms still remains. The offer letter to escrow, dated XX/XX/XXXX, said the satisfaction of judgment would be sent once the " total balance '' is received. The " amount due and owing '' is {$2200.00} as stated in that letter. But, in another letter to me, dated XX/XX/XXXX it says the satisfaction of judgment would be sent, upon receipt of the " balance owed ''. According to the letter, the balance owed showed {$11000.00} and the " settlement amount was {$2200.00}. '' This left me to believe that {$11000.00} must be paid in order to qualify as a Satisfaction of Judgement.
Since I could not get clarity from P & F, and the deadline of XX/XX/XXXX was fast approaching, a cashier check for {$2200.00} with " paid in full '' in the memo line was delivered to them on XX/XX/XXXX. Later, the check was returned to me due to the memo line message. Hence, we are back to the beginning with no direction.
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| 11/05/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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I was sent a letter on XXXX XXXX, XXXX ; from Patenaude & Felix , A.P.C., XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ; stating I owe : {$6000.00} from XXXX XXXX XXXX, XXXX. ; account # : XXXX XXXX XXXX XXXX. I will first state ; the last payment made on this account was XXXX XXXX, XXXX, the account was Charged Off on XXXX/XXXX/XXXX and closed, this account was removed from all XXXX of the major credit reporting agencies in XXXX XXXX, XXXX removed it : XXXX XXXX.
XXXX XXXX, XXXX ; the above law office sends past bill notices and also they sent me a " Judgement by Default '' dated XXXX XXXX, XXXX ; in which I NEVER knew about, NO ONE EVER HAD ME SERVED, AND THIS IS THE FIRST I HAVE SEEN OF THIS court document. Case # : XXXX.
I would like to know, how can XXXX get a judgement on me in XXXX, after they Charged Off this account, and AGAIN, this account was removed from my credit reports in XXXX and in XXXX XXXX.
I responded to their first letter on : XXXX XXXX, XXXX ; stating the 7-year diary has came and gone in XXXX XXXX ; the account has been removed from my credit reports, and trying to collect on an account after the 7-year diary is protecting me, this is not legal and I would like them to close the account from their files.
This is when they followed up with their letter on : XXXX XXXX, XXXX ; showing a default judgement for XXXX XXXX, XXXX ; in which again, I was NEVER notified of being " sued for a judgement '' and I was NEVER notified of a court date.
What I do know is, XXXX charged off this account. XXXX removed this account in XXXX XXXX. XXXX and XXXX removed it in XXXX XXXX.
XXXX Credit report dated on : XXXX/XXXX/XXXX is stating and showing ; XXXX " Charged Off '' and " Closed '' this account on : XXXX XXXX, XXXX. Getting a Judgement on me in XXXX XXXX ; 2 years later and now a Law firm is contacting me to collect a debit, that is over 7 years old, this is illegal.
Please help me with this matter. I do not have a scanner to scan my documents, but I can fax this to you if you provide me with a fax number.
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| 09/14/2019 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Regarding, Summons Case No XXXX XXXX XXXX, Attorney Patenaude & Felix, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX WA XXXX XXXX I have received through a second hand source a summons to me for collection of debt of {$1600.00}. This summons was never officially served on me, but instead, forced upon my non-relative roommate prior to XXXX XXXX in clear violation of the Fair Debt Collection Practices Act. I am assuming that the collections firm will try to declare that this was a formal serving to me even though I was never present. I am asking XXXX, my designated agent for handling my debts to respond anyway, but making it clear that this is a response based on obtaining a copy of a summons that has never been officially served.
The summons contains false statements. Namely, I am NOT married. I have been widowed since XXXX. And, they did not make repeated attempts to collect as stated in the summons. I have only received one notice from the collections company which was immediately forwarded to XXXX who responded. It has been made very clear that I actively want to resolve this debt. I am informed that the collections company refused an offer of settlement and repayment and did not offer any counter proposal for settling the debt. A lawsuit is their response instead of attempting to settle or arrange for payments.
Official written statement from my roommate : *** Received via text message XX/XX/XXXX *** Here is my statement : On XX/XX/XXXX, at about XXXX XXXX. as I was preparing for work. I heard a loud banging noise from the front door. Ignored it for a little bit since Im in the bathroom XXXX and not in a position to answer. Finished my bathroom chores and dressed up for work and I again heard the loud door banging. I opened the garage door hoping to leave and ignore the door, but this guy parked on the driveway blocking my side so I had no choice and annoyed that I have to tend to him. At that point he asked if I XXXX XXXX. Of course I said NO and he asked for my name and after he served me the documents.
*** end of message ***
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| 02/22/2019 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Previously I filed a complaint, # XXXX on XX/XX/XXXX. I thought my complaint was resolved when the company Felix Patenaude sent a letter stating they will no longer contact me at ( XXXX ) XXXX to inquire about a XXXX XXXX XXXX. Today, I received another phone call from Felix Patenaude inquiring about a XXXX XXXX XXXX. I spoke with XXXX XXXX and told her again that there is no XXXX XXXX at this number. I also told her that in XX/XX/XXXX I received a letter from her company stating they would not call me after I filed a complaint with CFPB. She hung up the phone on me. I would like CFPB to penalize Felix Patenaude for violating the Fair Debt Collection Practices Act ( FDCPA ). Prior to my complaint with CFPB, I called Felix Patenaude twice to inform they not to call my phone number and informing them that I do not know nor related to the XXXX XXXX XXXX.
I called the person that signed the letter from Felix Patenaude and this person 's extension does not work, extension XXXX. I was later transferred to XXXX XXXX said she will again put a do not call on the file. This is not my debt however they keep calling me to ask the same questions about a XXXX XXXX XXXX.
This collection all started about 2 years ago when XXXX XXXX collection agency call me about a XXXX XXXX XXXX from XXXX, AZ. I told them there was no XXXX XXXX XXXX at this number and not to call again. The person at XXXX XXXX did not like my answers to her so she tells me, " they will get me another way ''. Six months later I receive a phone call from Felix Patenaude, again asking for XXXX XXXX XXXX.
I explained to all the collection agencies that the XXXX ( no middle initial ) XXXX I know is my father-in-law. I passed away in XX/XX/XXXX, over 18 years ago and my father-in-law has never lived outside Hawaii. This is not his debt.
These collection agency constantly call me and harass me about XXXX XXXX XXXX because a " XXXX '' search states some how connected to me or my husband. Both my husband and I do not know this XXXX XXXX XXXX nor have anything to do with him.
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| 07/01/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I would like to file a complaint against Collection Agency, Patenaude & Felix , A.P.C., as this company has violated the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 2 ) ( a ) " The false representation of - the character, amount, or legal status of any debt. '' The last verbal affirmation of this debt and attempt to collect payment was made XX/XX/XXXX at approximately XXXX ( PST ) by a Patenaude & Felix , A.P.C representative via phone. The company also attempted to contact me via phone on XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I was contacted by Patenaude & Felix , A.P.C., regarding a debt with XXXX XXXX Credit Card Company, Communication was written form, as well as verbal communication via phone. I was repeatedly contacted and advised that I owed this debt and needed to make payment arrangements with Patenaude & Felix to pay the balance of XXXX. In XX/XX/XXXX, I was afraid of being sued, so I agreed to start paying on the debt. However, upon consulting with a credit repair company, I was provided with a copy of my XXXX Credit report, which reflects that XXXX XXXX reported that this debt was discharged in bankruptcy ( Page 3 of uploaded documents ). Upon further review of this same credit report, XXXX reports that Patenaude & Felix, A.P.C accessed my XXXX credit report on XX/XX/XXXX and two different times on XX/XX/XXXX, making it evident that Patenaude & Felix, A.P.C was aware that this debt had been reported by XXXX XXXX as " discharged in bankruptcy '', yet the company continuously violated Section 807 ( 2 ) ( a ) of the Fair Debt Collection Practices Act by fraudulently misrepresenting the status of the debt, in an effort to obtain payment. In using the internet to research this company, I found many incidents of complaints, due to racial profiling and unethical collection tactics toward individuals XXXX XXXX, which also leads me to believe that these continuous effort to collect a debt, reported by the original creditor as " discharged in bankruptcy '' may have also been racially motivated.
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| 07/07/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- Communication tactics
- Threatened to take legal action
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Web |
Servicemember |
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In XX/XX/XXXX, my private loan held with XXXX XXXX XXXX was passed off to a debt collection agency due to me not being able to afford the expensive amount XXXX XXXX XXXX wanted all at once.
In XXXX XXXX, I joined with a company by the name of XXXX XXXX XXXX and I was under the impression that my loan was receiving the XXXX that I was paying them a month.
XXXX XXXX XXXX turned out to be a scan as well.
I then reached out to XXXX XXXX XXXX and they made me aware that my loan was now in the hands of Patenaude and Felix.
Patenaude and Felix is the company in which I would file this complaint with ; I was in communication with them before they were ever in communication with me in regards to my loan. I began talking with them XX/XX/XXXX consistently trying to negotiate an amount that would be affordable for me to pay every month. I originally thought XXXX would be affordable but after discussing with my husband what amount would be best every month, we discovered that XXXX per month is too much. I spoke with Patenaude and Felix making them aware of this and they have been very adamant that I MUST pay XXXX per month, Meanwhile, I have been concerned about the derogatory marks on the credit reports of my grandparents ( my co signers ) and have been trying to find out what to do and where to go. XXXX XXXX XXXX advised me that the attorneys and XXXX XXXX are the people to discuss payment options as well as credit reporting and all to find out that XXXX is XXXX XXXX XXXX and when I call them, they tell me that they are unable to help me.
I am aware that this debt NEEDS to be paid and I want to pay it but I CAN NOT afford XXXX per month. I was told that I could make " good faith '' payments toward the amount owed, but it would not be reflected on the credit reports of my grandparents not myself. I was also told by either XXXX XXXX XXXX on Patenaude and Felix that my wages could be garnished as a result of not paying my debt. However, I am NOT ignoring my debt! I just cant afford the amount that is being dictated to me.
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| 11/14/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I the consumer received an illegal communication from PATENAUDE & FELIX A.P.C. on behalf of XXXX XXXX XXXX ( XXXX ), XXXX. In written form of a court complaint case # XXXX, about a consumer credit transaction in regards to an alleged credit card debt on XXXX for alleged sum of {$8200.00}, account # XXXX. In which I filed my answer to the complaint with the court on XXXX, and I also certified mailed with green return slip to PATENAUDE & FELIX A.P.C., in which they received my court answer on XXXX. In which I have proof of delivery by green return slip signed. The court date was moved from XXXX to XXXX, for PATENAUDE & FELIX A.P.C. claimed they did not receive my motion and vacated for later date, but I have proof they did receive my motion. I also received a communication from them on XXXX saying this alleged obligation is my responsibility after they conducted an investigation, but how can they investigate themselves if they are the ones conducting the fraud? If they conducted an investigation why cant they provide me with proof that this alleged obligation is my responsibility? That is a violation of 15 USC 1692b ( 2 ) not state that such consumer owes any debt. I responded in written communication back notifying them of a few of their multiple violations pursuant to 15 USC 1692, The FDCPA, which they received by notarized certified mail on XXXX. Which also included, request pursuant to 15 USC 1692g to validation of debt and pursuant to 15 USC 1692c ( c ) ( 2 ) as I am the consumer, and original creditor, invoked specified remedy for injuries incurred by both corporations. Which I have proof they received and signed for via green return slip. In return they did not respond or provide me with documentary evidence according to what congress defines as proof of validation, and none of the information I requested. They are actively engaging in multiple violations of my consumer rights and causing ongoing XXXX and XXXX due to their willful disregard to my rights as a consumer.
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| 01/18/2020 |
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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This Collection agency represented by the three lawyers have violated the consumers protection rights. XXXX XXXX, XXXX XXXX XXXX, XXXX They have GANISHED MY FULL WAGES from MY account. This is a violation. Please address this matter as a true representative of the United State of America.
The assumption held by many is that, once a debtor is found, the creditor can seize or freeze any of the debtors assets in order to cover the cost of the debt. That is a false assumption. The Fair Debt Collection Practices Act ( FDCPA ) is a national regulation that makes certain assets exempt from the credit collections process and protects the consumers from harassment by creditors and debt collectors.
Earned income The amount of earned income that is exempt from collection depends on a number of factors, including the minimum wage, the debtors take home pay, whether or not they receive SSI or PA and the amount of your disposable income. The simplest translation of this exemption is that there is never a time that all income can be garnished to pay off past due accounts. In fact, federal law will allow for wage garnishment only up to 25 % of the net income. Like all other garnishments, this requires there to be a judgment against the debtor before taking effect.
My husband ( XXXX XXXX XXXX ) with increased health problems ( XXXX XXXX XXXX XXXX ) does ride-share so we can pay our mortgage payment timely.
Myself, due to severe health condition ( XXXX XXXX XXXX ) has not able to work for the past few years.
XXXX XXXX, when the real estate market crashed both my husband and I had lost our jobs.
We used our reserves to keep up with the increasing mortgage payments and credit card payments.
But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards.
In XXXX, our income had improved and we were able to get an affordable modification.
Since then, we are able to make our mortgage payments but not able to pay any other debts.
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| 06/22/2021 |
No |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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LETTER1.
DELIVERED ON XX/XX/2021 AT XXXX.
USPS TRACKING NUMBER XXXX.
HERE IS A COPY OF LETTER 1.
XX/XX/2021 Patenaude & Felix , APC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX Dear Patenaude & Felix , APC, I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/2021 and identified the debt as XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Thank you for your cooperation.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LETTER2 DELIVERED ON XX/XX/2021 at XXXX XXXX USPS TRACKING NUMBER XXXX.
HERE IS A COPY OF LETTER 2.
XX/XX/2021 PATENAUDE & FELIX , APC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX DEAR PATENAUDE & FELIX , APC, A LETTER WAS SENT TO YOUR COMPANY TO VALIDATE THE DEBT, BUT THERE HAS BEEN NO RESPONSE FOR OVER 30 DAYS.
ENCLOSED IN THIS LETTER IS A COPY OF THE TRACKING SHOWING THE VALIDATION LETTER WAS DELIVERED ON XX/XX/2021 AT XXXX, AND A COPY OF THE FIRST LETTER SENT REQUESTING TO VALIDATE THE DEBT.
THE DEBT IS UNVERIFIABLE BECAUSE YOUR COMPANY DID NOT RESPOND WITHIN 30 DAYS.
PLEASE CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY.
I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY.
THANK YOU.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I NEVER RECEIVED A VALIDATION OF THE DEBT UNTIL NOW.
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| 09/24/2015 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a voicemail from Patenaude & Felix XX/XX/XXXX regarding a delinquent XXXX credit card. I called back and the rep who answered the phone advised me of a payment plan of {$66.00} beginning later that month. I advised him that I was interested in the plan but that I needed to call back on the exact date I wanted to make a payment. He said that was fine and the call ended. I am still trying to get myself financially back on track and by XX/XX/XXXX I still was not able to make the payment. During the one call I had with the attorney 's office, I never advised of any bank account I wanted to use and never set up a payment. My surprise when I checked my bank account yesterday and noticed a {$66.00} check had been submitted to my XXXX XXXX XXXX account. That checking account was already overdrawn so that {$66.00} payment was returned and I was charged a {$35.00} nsf fee. I do n't believe it 's right that this 'attorney ' office and/or XXXX can just automatically take money from my account WITHOUT my authorization. I never set up a payment with Patenaude. I never even went on XXXX 's website and set up a payment. I was never given any plan details in the mail nor any sort of confirmation number since I never set up a payment. I find it interesting that the payment they tried to draft was the exact {$66.00}. I feel that the rep from the attorney 's office took it upon himself to contact XXXX and they took whatever checking account they had on file and tried to charge my account. I want to make good on my account but this is ridiculous. With the issues XXXX has had in the past this certainly does n't make them look any better in my eyes and this attorney should know what they have done is unlawful. Also, when I spoke with the rep I asked if I would get payment plan details in the mail first before I wanted that before setting up some payment. He said I would get it in the mail but it never arrived.
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| 03/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I was served papers that I was being sued by XXXX XXXX XXXX XXXX on XX/XX/XXXX. The only papers that I received was that I was being sued. I had no idea who the original creditor was. On XX/XX/XXXX I went to court in XXXX, PA at the Magisterial level. I was confused and not sure of why I was being sued. After XXXX XXXX XXXX XXXX attorney showed up ( a woman, I am unsure of her name because it was supposed to be XXXX XXXX, or XXXX XXXX that was representing XXXX XXXX XXXX XXXX, through Patenaude and Felix ), she showed me that the debt was through XXXX XXXXXXXX XXXX. I stated that I was positive that the debt was paid and was not sure the reason why I was being sued for the debt. The debt that the attorney showed me, {$2800.00}, was different than the highest amount of debt ever on my credit report for XXXX {$2700.00}, I was not able to prove that the debt was paid off already because I did not know what I was being sued for, before going into the courtroom. The XXXX found me guilty because I could not prove my case. I then went home and looked at and printed out my credit report. My credit report shows that my XXXX XXXX was reported stolen in XXXX, that the card was closed, and that there is no missed payments on that card. I filed an appeal as soon as I got all of that information together. I have been trying to contact someone in either XXXX XXXX XXXX XXXX or Patenaude and Felix to take the false information off of my PA docket information, willing to show proof of the card being paid and closed on my credit report, but they will not give me any information or papers to prove that the account was bought fraudulently on their end and that my account has been satisfied since XXXX. I am trying to buy a house and they are holding the entire process up, and there is a huge possibility I could lose the house because of these false records. Everything that they have about the account is incorrect.
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| 07/11/2019 |
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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XXXX XXXX- FromXX/XX/XXXX to XX/XX/XXXX, I made numerous reports that my credit card reflected unauthorized charges. I had this card since XX/XX/XXXXand rarely used it as history shows. When I did use the card, the balance was paid off the following month. Attached is a copy of my credit score of XXXX fromXX/XX/XXXX. I filed a police report, then a restraining order as I quickly realized that this was a man I dated for a few months. It wouldnt have lasted more than a couple dates, but he was not easy to break it off with. I knew was using it because he paid his cell phone bill with my card. When I confronted him, he threatened harm to me and my daughter. He said he had connections with gang members and as I continued to pursue action against him, I started living in fear from the threats he made, he had hacked my computer, made constant drive-bys or waiting outside until police were were called. My credit card was replaced at least 6 times, but that didnt stop his ability to use it. Finally, the credit card company agreed to reverse the charges. But upon receiving my statement in XX/XX/XXXX, they only reversed the charges beginning inXX/XX/XXXX totaling {$2400.00}! My credit card was maxed from XX/XX/XXXX to XX/XX/XXXX leaving a balance of {$9300.00}. I only continued making payments in good faith that they would resolve this issue. After they reversed a measly {$2400.00} and as the threats were increasingly real, my familys safety was critical. He evaded being served for the restraining order over the course of several months and I was told that the police couldnt continue to attempt serving him, but that I would need to hire a server. We were living off of food stamps already, so I was was in no position to hire a server. Now they are seeking a judgement lien while I can barely make rent. Shame on XX/XX/XXXX XXXX!
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| 07/06/2015 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I was contacted by XXXX XXXX of the Law offices of Patenaude and Felix ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) ( XXXX ) on or about XX/XX/XXXX.
Originally, they were asked to validate a debt in XX/XX/XXXX. They were unable to do so. In fact, I never heard from them after that. In XXXX they filed in XXXX XXXX, XXXX and had my wages garnished. I was never served papers at my current and legal home of residence. My wages were garnished for 60 days. The only way I found out about this was through the XXXX notifying me of the garnishment.
In XXXX, I received another letter from the XXXX of intent to garnish my wages again. I contacted XXXX XXXX of Patenaude and Felix and came to an agreement for payment. We came to an agreement and I was sent a copy of that. I promptly made a payment of more than 66 % of the agreed upon amount. They also sent a copy of the Release of Writ of Garnishment ( dated XX/XX/XXXX ) with an attorney 's ( XXXX XXXX ) signature from the state of XXXX. XXXX XXXX claims that they sent the release the very same day to the XXXX.
As of XX/XX/XXXX, My Leave and Earnings statement confirms that my pay has once again been garnished. This time, in the amount of {$380.00} plus an additional {$50.00} fee to the XXXX for processing. I immediately called the XXXX and spoke to XXXX XXXX ( XXXX ). XXXX XXXX confirms that his office has never received any notice from the debt collection attorney 's office and that they have made no attempts to contact him or his office by phone.
This debt collection office is illegally collecting an unverified debt ; they did not contact me in the beginning of the court proceeding to allow me to challenge this ; after a legally binding agreement was made between both parties, they acted against their word and broke our agreement.
|
| 08/12/2020 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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I have received collections attempts from 5 different companies in the past year. I have been unemployed or underemployed since XXXX and this latest company has increased the loan by almost $ XXXX in the last 6 months. I dont know how to deal with these companies because even when I was able to afford to pay them the amount of money owed never seemed to reduce. In fact, it just seemed to increase every time it switched hands. The original loan with XXXX XXXX was for {$8600.00}, today I owe {$7200.00} according to XXXX XXXX XXXX XXXX. According to XXXX, XXXX and XXXX XXXX, XXXX, I paid appx {$8500.00} between XXXX on this loan. However in a packet from them dated XX/XX/XXXX, I found out via a note disclosure statement dated XX/XX/XXXX that my loan was actually for {$22000.00} which I did not know and if I had known, I wouldve never agreed to it. This was for a 6 month, 2 night a week XXXX XXXX that promised job placement, ongoing use of facilities and equipment and ongoing education. Not only did XXXX XXXX XXXX XXXX not fulfill their part of the agreement, they closed without notice 3 years after I attended the course. When I attended the school they had 44 locations, a very big selling point. They currently operate in only 6 cities.
Additionally, I accepted this loan with the understanding it was a student loan to an accredited school. It was XXXX-certified to operate in Virginia from XX/XX/XXXX to XX/XX/XXXX. The school had an admissions set up just like a XXXX college and I was very young/naive to believe it was legitimate. I come from a family with very little money, my mother and I didnt know or understand that we were entering a contract for an unsecured personal loan or how badly that would come to effect both of our lives and credit scores.
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| 08/28/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
Servicemember |
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COLLECTION LAW FIRM, PATENAUDE AND FELIX A.P.C. ( " P & F '' ) ILLEGALLY GARNISHED WAGES ON A TIMED-BARRED, UNSECURED PRIVATE STUDENT LOAN. THIS DEBT, WHICH P & F OR XXXX ARE NOT THE ORIGINAL LENDER ( XXXX ) OR CREDITOR ( XXXX ). P & F AND XXXX THEREFORE MUST ADHERE TO CONSUMER FEDERAL CONSUMER PROTECTIONS OFFERED UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ).
P & F HAVE VIOLATED SEVERAL FDCPA PROTECTIONS INCLUDING FAILING TO PROVIDE SUFFICIENT DEBT VALIDATION AS WAS REQUESTED ON SEVERAL OCCASIONS. RATHER THAN OPERATE WITHIN CONSUMER PROTECTION LAWS, P & F CONTINUED TO PROVIDE MISLEADING INFORMATION, DECEPTIVE INFORMATION TO EMPLOYERS AND OTHERS.
ATTACHMENTS A-C ARE DOCUMENTATION THAT DIRECTLY SHOWS XXXX XXXX HAS NO LEGAL OBLIGATION TO PAY P & F WHATSOEVER.
ATTACHMENT A IS THE " LENDERS COPY '' OF THE ORIGINAL LOAN APPLICATION/PROMISSORY NOTE SIGNATURE PAGE THAT WAS FAXED UPON APPROVAL OF THE PRIVATE STUDENT LOAN AROUND XXXX XXXX.
NEXT, BY VIEWING ATTACHMENT B, WHICH IS A XXXX CREDIT REPORT FOR XXXX XXXX XXXX WHICH WAS REQUESTED ON OR AROUND XXXX/XXXX/XXXX. THIS ATTACHMENT CORROBORATES ATTACHMENT A. DOING SO BY PROVIDING THE DATE THE LOAN OPENED ( XXXX ) AS WELL AS PAYMENTS DEFERRED UNTIL XXXX/XXXX/XXXX.
P & F HAS VIOLATED SEVERAL FDCPA PROTECTION PROVIDED TO CONSUMERS. NOT ONLY IS THEIR CONDUCT UNACCEPTABLE BUT IS IN DIRECT VIOLATION OF THESE PROTECTIONS. P & F MISREPRESENTED INFORMATION TO EMPLOYERS AS WELL AS COURTS IN ORDER TO SECURE WAGE GARNISHMENT.
P & F HAVE NOT PROVIDED ANY CONTRACT AS PROOF OF XXXX XXXX 'S LEGAL OBLIGATION TO PAY P & F. THIS WAS REQUESTED BY XXXX XXXX 'S DEBT VALIDATION LETTER REQUEST AND BLATANTLY IGNORED SEVERAL TIMES. INSTEAD P & F CHOSE TO SIDE-STEP FEDERAL AND STATE LAWS AND VIOLATE FDCPA PROTECTIONS.
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| 12/10/2019 |
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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Patenaude & Felix, APC ( this Collection agency ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Represented by XXXX XXXX ESQ. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX XXXX XXXX XXXX ESQ. BAR # XXXX On XX/XX/XXXX They levied {$1300.00} from our bank account, our only income to pay our modification mortgage monthly payment.
On XX/XX/XXXX I called and spoke to Miss XXXX XXXX, Left a message for Mr XXXX XXXX ext XXXX. Spoke to Mr XXXX XXXX, and Manager XXXX XXXX ext XXXX who promised to contact the XXXX XXXX company to release the funds. He told me he would call me back no later than Monday but he did not. So I call a few times and spoke to XXXX and then XXXX XXXX who was verbally abusive. It turn out they both were just lying to me. For they were doing nothing the release the funds back to my account.
My husband ( XXXX years old ) with increased health problems ( XXXX XXXX XXXX XXXX ) does XXXX so we can pay our mortgage payment timely.
Myself, due to severe health condition ( XXXX and XXXX ) has not able to work for the past few years.
XXXX XXXX, when the real estate market crashed both my husband and I had lost our jobs.
We used our reserves to keep up with the increasing mortgage payments and credit card payments.
But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards.
In XXXX, our income had improved and we were able to get an affordable modification with a differed amount of {$200000.00}.
Since then, we are able to make our mortgage payments but not able to pay any other debts.
Please, kindly help us retrieve our money back from this collection agency for this levy has jeopardizing our mortgage monthly payment. Please help us
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| 04/29/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In late XXXX, XXXX XXXX took me to court and quickly got a default judgment order on me because they never sent me any notice of being sued.
When I found out in late XXXX, I got the order reversed and counter-sued them. This went on for about a year and a half.
XXXX XXXX has never sent me any documents nor anything to prove I owed the debt. During the settlement conference in late XX/XX/XXXX, the judge and two lawyers threatened me that if I did not accept the terms, I will owe more because I can not win in court to the tune of {$65000.00}. The debt was never mine. XXXX XXXX used fake documents and checks to say it was mine. They owned my home loan and of course they had copied of checks I sent them. I was promised copies of every document before I made one payment plus a signature from a some high authority from XXXX XXXX of documents. Nothing was sent to me except a threat. The signatory was a legal analyst from their office. Hardly anyone of authority. Why didn't the lawyer present sign that document? This was a scam from the beginning. They knew they were going to get the FULL amount from the start by offering to reduce the amount. They scammed me and scared me. I was on medication at the time of the settlement. I was emotional and could not think straight. I would have agreed to anything that day.
$ XXXX was agreed upon, Now, it is the full amount of {$32000.00} and growing. This is so unfair. I want to go back to court and sue them for fraud. I believe XXXX XXXX sold the debt to XXXX and XXXX. They own the debt, not XXXX XXXX. If that is true, that is fraud in itself.
Worst of all, they are using the pandemic to file documents against knowing that the courts are closed down.
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| 03/01/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On Tuesday XX/XX/XXXX I contacted the law office of Patenaude and Felix APC, and spoke with a representative. I found this was regarding my former business with a target account. I explained to the account representative that I wished to settle the account, because I was expecting my income tax refund on the XXXX. We agreed to settle for {$350.00} and dated a post dated check for XX/XX/2019. I wasn't sure if my tax refund would hit my account immediately, so I explained to the rep that if it hits my account sooner I will call and make immediate payment if the payment for the XXXX is deleted. The next day XX/XX/2019, my income tax was deposited into my account with no issues. During my lunch break at work I called Patenaude and Felix APC. I spoke with the same rep. I advised payment was good to run immediate, so I gave him a debit card. I asked about deleting the payment for the XXXX because now my debt was satisfied. The rep assured me he did in fact delete the XXXX check, and my balance was settled in full. I asked for a terms letter to be emailed to me for my records, and gave my email address. The rep read an email disclosure and said I would have it over to my email on the XXXX. I never received that letter. Patenaude and Felix APC charged my account twice. Once via debit card and once via check. I called to resolve it and I was told there were no managers in that could help me. I was placed on a long hold and eventually hung up on. I called Patenaude and Felix APC maybe 10 times to try and get a resolution, and the phone just kept ringing. I eventually contacted my bank to dispute the charges.
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| 04/19/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Creditor has called my office number multiple times, each time I answered the phone with the company name and they hang up. Last calls logged were XXXX at XXXX & XXXX/XXXX/XXXX at XXXX Calls were from XXXX XXXX In the last phone call, XXXX/XXXX/XXXX at XXXX EST I advised the law firm that they had called my work, and asked what the call was in reference to, as it originated from a law firm. They would not advise the nature but requested I verify whom i was with Social Security number and home address. As this was a cold call, i refused. After a couple minutes of arguing I gave my city and zip followed by my the month and year of birth.
The law firm still would not advise what the call was in regards to and continued to push me for further personnel information. I refused and after three minutes of back and forth, the law firm advised it was in regards to a company, that I do not own, under someone with a similar name. They then proceeded to push me for personnel information on another person. I refused, and continued to refuse each request.
I am appalled by the predatory practices utilized by this law firm, the fact that they continued to call my office, and that they try to request additional personnel information even after my zip code and year of birth did not match whom they were looking for. How can this be a legal practice as it is predatory collections if not phishing scam.
The reason the number is listed is that I work sales and if you google my name it comes up as a work number.
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| 07/12/2017 |
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 |
Servicemember |
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The following actions were violations committed by Patenaude & Felix. After a judgement was ruled in my favor against them, they submitted an Appeal containing documented proof of violations under the Fair Debt Collection Act.
1 -- In Patenaude & Felix, A.P.C. complaint listed as # 1.
Listed XXXX XXXX as the plantiff however Prior to my contacting them, XXXX XXXX claims to have had no prior knowledge of the Civil Action.
2 -- In Patenaude & Felix, A.P.C. complaint listed as # 3.
Claims to have attached and submitted into evidence a true and correct copy of the Account Agreement listed as " Exhibit A '' in files attached. However the attached contract is unsigned and incomplete, and this is a XXXX/XXXX XXXX contract. My account was opened in XXXX of XXXX and XXXX XXXX was not formed until XXXX XXXX. Knowingly submitting false evidence to the court is not only a violation of consider rights, it is against the law. XXXX XXXX signed that all documentation was true and correct and that he acknowledged submitting false documents is an illegal act.
3 -- Patenaude & Felix, A.P.C. filed action against me in the District Court of XXXX XXXX, Pa, however at the time the Action was filed I was a resident of XXXX, Pa which falls in XXXX XXXX XXXX District. This is a violation of the Fair Debt Collection Act.
4 -- Patenaude & Felix, A.P.C. performed multiple hard pulls of my credit report which nwgatively effect my score.
5. Initial Contact from Patenaude & Felix was in the form of a Civil Action notice.
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| 01/27/2020 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
Servicemember |
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I have already filed a complaint against National Collegiate Student Loan Trust ( NCSLT ) # XXXX-XXXX. I was encouraged by my " for profit '' XXXX school to take out predatory private student loans while I attended their school for almost 10 years at the rate of approximately {$5000.00} per semester. I never graduated, and am now a XXXX XXXX XXXX XXXX rated as individually unemployable. I have a very limited income, and can barely pay my rent since my ex-husband left and stuck me in a lease of $ XXXX/month ( which takes up 99 % of my XXXX check ). Although all of my federal loans have been forgiven due to my military XXXX status, NCSLT insists that I owe approximately {$120000.00} with ever increasing interest. After the last dispute/ investigation, NCSLT told investigators that they didn't know who I was, and so the investigation was passed onto their collection agency, XXXX , XXXX . Since then, however, I received mail from XXXX XXXX stating that NCSLT intended to sell my financial information to others unless I returned their form with the appropriate checked boxes. In addition, NCSLT has now hired a new collection agency- Patenaude & Felix , A.P.C. See attached documents. I fear that NCSLT will continue to ruin my credit due to these predatory private student loans that were heavily encouraged by my " for profit '' graduate institution that targeted students that were either immigrants or else were the first in their families to attend college prior to 2008.
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| 03/26/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
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Web |
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I first learned that this company had won a default judgment ( in XXXX XXXX ) against me on XXXX XXXX, XXXX. On XXXX XXXX, I went online to see if a payment for an automatic withdrawal had been processed. I found that the company had a levy in the amount of {$6100.00} against my account and that all of my funds had a hold on them. I have attempted contact with them explaining and providing proof that I am on Social Security, and will lose my rented home if they do not release those funds. I was told that since I had money in a savings account which I had been transferring to my checking account to pay my bills that the entire amount was not Social Security. Even though I explained to them that I have not worked since XXXX, more than a couple months in XXXX and XXXX. I explained that I had been on Social Security XXXX since approximately XXXX, and that I have no income other than Social Security, they have not done anything with regards to correcting this matter. I have called and been told several times that I would be contacted in this matter. I can not afford legal counsel in regards to this matter. I was not served properly, as the address with which I was served was not an address I had lived at for over a year at the time of the supposed service. When I spoke to the attorney regarding this he stated that I was also served at the address which I was living, but there is no proof of service for that address. XXXX. I do not want to be homeless.
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| 07/17/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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XXXX XXXX XXXX XXXX as XXXX XXXX XXXX ) is committing fraud in their serving process. According to their client Patenaude and Felix, I was served properly on XXXX XXXX with a lawsuit by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney for Patenaude and Felix XXXX XXXX and XXXX ( as XXXX XXXX ) telling me to call the other party about the server 's full name.
I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against me from a lawsuit that I was n't able to defend myself from.
The fraudulent service in question is listed on the sheet as being in person on XXXX XXXX, however in addition to this being completely false, the description of the person listed on the process form is false.
The company 's name is listed on the documents, however they company wo n't give me the person 's full name, their client wo n't give me the person 's name by telling me to refer to the Proof of Service form. There also is n't a signature on the form from theThis company is acting fraudulently and XXXX ( as XXXX XXXX ) should be found liable for violation of the FDCPA for falsifying information on legal documents in order to obtain a false judgement. Even the phone number that was listed on the legal documents was false.
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| 12/23/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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XXXX XXXX from Law office of Patenaude & Felix called me at XXXX today. XXXX XXXX asked me if I intend to make payments on the loan I owe. I explained that since I have records of only XXXX loan being signed I had requested from XXXX XXXX, the representative at their law firm, proof of the second loan. XXXX XXXX proceeded then to threaten that they would enact the judgement against me, even though I 've repeatedly tried to get proof of this second loan that they insist I owe them. He harassed me by belittling everything I said and when I told him I could pay about {$100.00} a month he said, " Ha, you want me to do all the leg work for $ XXXX/mo that will take you 18 years to pay ''. I explained over and over again that I wanted to work with them but I 'm in a financially bad situation. Over and over again he made me feel scared about what they could do to me. I told him that I did n't want to speak to him any further and that I wanted to speak either to XXXX XXXX or the lawyer on my case, XXXX XXXX. He then said, " do n't you hang up on me ''. My husband and mom who were listening to the whole entire conversation were shocked and my husband kept saying hang up, but I did n't, even when I was physically shaking and crying. This was by far one of the scariest and traumatizing collection calls I 've ever had. XXXX XXXX has been rude to me in the past, but never like this. Thank you for your time.
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| 03/31/2016 |
Yes |
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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On XXXX XXXX XXXX I found out that the above company issued writ of execution on behave of my name for bank garnishment. This writ was issued on XXXX XXXX, XXXX in XXXX Supreme Court in XXXX XXXX XXXX. I was never served a copy of this writ or any other docket entries as of the case was initially filed with the court. I live out of XXXX state for 8 years. I left on XXXX XXXX, XXXX and moved in XXXX. After 3,5 years I moved to XXXX, currently I live in XXXX for 3 years. I was not aware of judgement entered against me. I was never contacted by the collection agency above. On XXXX XXXX, XXXX I contacted the agency to find out when was the docket filed the person I talked to refused to provide me with any information about the court case. He advised me that I can find the case record online without giving any further information. After I insisted at least to be provided with the county courthouse, the person let me know the name of the above court. Moreover, I contacted the legal department of XXXX XXXX XXXX ( the writ was issue to withdraw all my bank funds in that Bank ), they provided me with the docket number so I can research the issue. Currently, I will be filing motion to vacate judgement due to inappropriate service of defendant ( which never happened in any state I resided so far or the state I live currently ). Thank you in advance for taking the time to investigate that issue.
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| 04/04/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I paid a debt in full to the law offices of Patenaude & Felix on XX/XX/XXXX The case was dismissed on XX/XX/XXXX. OnXX/XX/XXXX a process sever went to my fathers house to server a summons. The process sever was told that I live in XXXX. The process server returned 2 days later and again my father told him i live in XXXX. The process server left the summons on the porch. this is 3 weeks after the case was dismissed The process server violated my privacy by leaving the summons with my father at his address in XXXX. The process server made no attempt to contact me by phone or at my home in XXXX. After I picked up the summons from my father XXXX miles away in XXXX I called the process server. I asked why am i receiving this when the case was dismissed 3 weeks ago He said that He only received the paperwork about a week ago. This would have been after the case was dismissed. This legal firm and process sever caused my father a great amount off stress becase he did not know why there was a lawsuit for 5 days. It caused me 5 days of anxiety and stress of sending 7 emails to XXXX XXXX before responded to my email. XXXX XXXX has placed 100 % of the blame on the process server. To me it does not matter who is to blame, the process server, the law firm or XXXX XXXX. someone need to pay for violating my rights, for serving a summons for lawsuit that was dismissed
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| 04/04/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I paid a debt in full to the law offices of Patenaude & Felix on XX/XX/XXXX The case was dismissed on XX/XX/XXXX. On XX/XX/XXXX a process sever went to my fathers house to server a summons. The process sever was told that I live in XXXX. The process server returned 2 days later and again my father told him i live in XXXX. The process server left the summons on the porch. this is 3 weeks after the case was dismissed The process server violated my privacy by leaving the summons with my father at his address in XXXX. The process server made no attempt to contact me by phone or at my home in XXXX. After I picked up the summons from my father 30 miles away in XXXX I called the process server. I asked why am i receiving this when the case was dismissed 3 weeks ago He said that He only received the paperwork about a week ago. This would have been after the case was dismissed. This legal firm and process sever caused my father a great amount off stress becase he did not know why there was a lawsuit for 5 days. It caused me 5 days of anxiety and stress of sending 7 emails to XXXX XXXX before responded to my email. XXXX XXXX has placed 100 % of the blame on the process server. To me it does not matter who is to blame, the process server, the law firm or XXXX XXXX. someone need to pay for violating my rights
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| 10/17/2017 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Problem with customer service
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Web |
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Being Sued by XXXX XXXX XXXX for Private Student loans owned by XXXX XXXX XXXX. These loans are included in the recent lawsuit brought by you, as XX/XX/XXXX-XX/XX/XXXX. I have protested that I do not own this loan and yet I have a conference meeting scheduled for XX/XX/XXXX at the XXXX County Courthouse for this loan. I am representing myself and this attorney says that XXXX said for them to go ahead with this suit. How can this be when a stipulation has been ordered? This is the result of a the email from Friday, XX/XX/XXXX.
XXXX XXXX, I did receive some disclosures but they were included with a document that was titled answer to subpoena. There is a sample form for initial disclosures on the Colorado Courts website that may be helpful for you.
Regarding your question about XXXX and the Consent Order. We have reviewed the account and the documentation that we have, complies with the consent order and we have been given authorization to move forward with this particular account.
XXXX XXXX XXXX, XXXX.
Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX, Utah XXXX Toll Free : ( XXXX ) XXXX Direct Dial : ( XXXX ) XXXX Fax : ( XXXX ) XXXX This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.
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| 07/13/2018 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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My wife and I received a Debt Collection Notice from the Law office of Patenaude & Felix on XX/XX/2018. I responded to this notice within 30 days ( Confirmed via Certified mail Receipts and I Confirmed by an associate who works there ) requesting Verification of the debt. Since they received my dispute verification on XX/XX/2018 they have yet to verify this debt however they have continued to attempt to contact myself and the my wife. ( We have recorded calls where the agent Identify 's themselves along with the name of the law office they are calling from and the purpose of the call ) It is my understanding that they must cease ALL Debt Collection activities until they have provided proof that I actually owe this debt however they have not done that. I feel this company is not operating within the boundaries set forth by Consumer Financial Protection Bureau and would like this matter to be investigated. We will provide any documents needs to help support our claim including the original notice, a copy of the dispute letter, certified mail receipt confirming they law office received my dispute via Mail within 30 days of the original Notice, and voice recordings of the agent calling us as recently as today XX/XX/18.
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| 04/17/2020 |
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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The company was told to cease and desist, they however filed a civil action, talked with XXXX XXXX and they said have file sent back. I spoke to collection company and they refused to send it back and said it does not appire to meet requirements because your not working ( covid-19 related ). I told them I have zero assets, no income, etc.. however the XXXX XXXX was willing to work out to prevent further issues due to situation, the company refused. I was never notified by company of any pending action or civil filing, the company apparently filed after I said to stop calling me and said it was harassment.
If they would have sent it back to XXXX XXXX as requested then it would be handle by me though them but they refuse amd rather file civil action on a emergency service volunteer who lose job due to covid-19 and has no assets or income and only a joint bank account with someone that is under social security XXXX and health issues, they don't care this affects a XXXX XXXX under SS, a XXXX individual, or a child all in problems due to covid-19, they rather keep file for civil then send back to snycony so I can work it out as they said due to situation they can work out arrangement on all accounts.
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| 07/14/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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This week I received a notice from Law Offices of Patenaude & Felix, A.P.C. in an attempt to collect a debt that was settled in a short sale of a property in XX/XX/XXXX. This is the second such collection attempt from another deb collection firm, clearly the debt was resold to another firm. The XXXX firm, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect the debt in XX/XX/XXXX. I retained a local attorney ( XXXX XXXX XXXX ) to contact the debt collection firm and force them to cease their attempts. My attorney cited the fact that their attempts appeared to violate the Fair Debt Collection Act and demanded that they produce " copies of all correspondence and any settlement agreements '' relative to this debt. No response was ever received and nothing was ever produced. XXXX, XXXX, XXXX XXXX XXXX immediately ceased attempting to collect the debt and no further contact was received. Now two years later another debt collection firm, Patenaude & Felix, A.P.C. is again attempting to collect a debt that was settled in a short sale and I know longer owe. For nearly 4 years now, this debt continues to tarnish my otherwise good credit rating and I feel helpless to remedy the situation.
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| 06/27/2021 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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National Collegiate Student Loan Trust has had a law firm to place a title lien on my property. My name is XXXX XXXX and clearly this is a case of mistaken identity bc there are literally thousands of individualswith the same name. However, the above company did not research or clarify any of this info prior to having the law firm/attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ga XXXX go to XXXX County courthouse and place this lien. The law firm or student debt is listed under XXXX XXXX XXXX XXXXr Ga, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ga XXXX. THEY REFUSE TO CLEAR MY NAME. This has caused a major headache, loss of time and wages, and stress. I am currently having my loan refinanced and wouldn't have ever known this document even existed until they did a title search. This is humiliating and embarrassing. I have spoken to the law firm who has no record of a XXXX XXXX with my date of birth or SS # on file. Who is held accountable for slander of my name and discrimination when mistakes are made. Now I'm forced to get an attorney to rectify what should have never taken place.
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| 11/09/2016 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Received bad information about my loan
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Web |
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Patenaude & Felix APC on behalf of Plaintiff XXXX XXXX, A Delaware Statutory Trust ( S ), submitted a lawsuit against me in an effort to collect on an alleged loan account that they claim was funded by XXXX.. I never had such a loan account. I did have a loan account through XXXX that was funded through XXXX aka XXXX aka XXXX. I contacted both XXXX, XXXXA. and XXXX. to find that no loan accounts with XXXX. that they reference in their law suit exists. The loan account number is illegitamate and does not even meet the character limit for account numbers at XXXX. Furthermore, XXXX. does not service private loans and only does checking accounts, savings & CD accounts, Auto loan accounts, Credit cards and Mortgage accounts. They do not offer personal loan accounts such as the one referenced. The Plaintiff has manufactured an illegitimate Loan Agreement and Note of Disclosure with XXXX as the creditor and myself as the borrower. THIS IS ILLEGAL and it 's been a terror to fight in a legal platform that I am uneducated in and do not have the financial ability to retain legal counsel to fight. Please assist.
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| 12/21/2015 |
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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XXXX XXXX had {$70000.00} of student loans and XXXX XXXX co-signed for them as well. XXXX XXXX nor her father XXXX XXXX could afford the payments and XXXX XXXX XXXX XXXX XXXX sued us thru PATENAUDE & FELIX Law Firm and this took about 1 1/2 years of court hearings which XXXX XXXX handled all of the court motions and documents and hearings as we could not afford an attorney.
We settled on XXXX XXXX, XXXX ( court doc. 's enclosed ). The letter explains the intentional HARASSMENT and BAD FAITH, Malice, Etymology, etc. of XXXX XXXX, XXXX by XXXX XXXX, and the Law firms letters, this was not the first phone call but when the additional letters and phone calls came XXXX XXXX became very nerves and emotionally upset as she explained to the Law office that they were wrong and she was en-fact making her payments on time for over 18 months, etc., but they started with letters and additional phone calls of harassment. I am know I am not the only one with this type of story about this Law Firm.
PLEAS STOP this company from doing this over and over again
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| 09/07/2021 |
Yes |
- Debt collection
- Private student loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I received a letter in the mail about a company threatening to garnish my pay check from my employer. The name of the company is National Collegiate Loan Trust. I have no knowledge or history working with this company whatsoever! The garnishment summons I received states that a judgment was issued against me on XX/XX/XXXX. I never received any notice at my home address regarding this company or this matter until I received the garnishment summons! The address that a court summons was sent to was an address I lived at XXXX prior to XXXX. I left that address in XXXX. I find it amazing that the only document that I received regarding this matter that made it to my mailbox is this garnishment summons. I am almost certain any other correspondence went to an old address and the only reason this made it to me is because they have contacted my employer. I know this because the garnishment summons has all of the information needed for the United States Postal Service. Again, I have never heard of this company and never did business with them.
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| 12/07/2020 |
No |
- 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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The Law Firm of Patenaude & Felix first sent a letter in XX/XX/XXXX which I responded same day via email and telephone to the offices. I never received a call back or response by email. Then in XXXX they sent me Affidavit in Support of Entry of Default which I responded back stating I was willing to dicuss a settlement back in XXXX but no one responded to me which I mailed this letter XXXX overnight and they did receive and sign for it.. They did not respond back to this letter either instead on XX/XX/XXXX I received another letter stating I was in default and they were going to file judgement against me claiming I never responded to their communications which is a lie. I don't know why they are being deceptive and continue to harass me via letters threatening to take me to court. This has caused me so much stress the harassment for no reason when I have tried to work with them. This latest letter was dated the XX/XX/XXXX but postmarked on XX/XX/XXXX and received on XX/XX/XXXX. They are even deceptive in their mailings.
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| 01/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
Older American |
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This is about discrimination and violations of Federal Laws and also California and Nevada laws. Patenaude & Felix, a XXXX XXXX collection agency with a couple of lawyers, are the terrible perpetrators.
Apparently this is how this out of State legal firm uses its tactics to terrorize innocent minorities and long suffering protected members including the aged, undocumented immigrants, LGBTQ and persons of color! Help!
These people have been subjecting us to terrorism for a long time now. They were explicitly told to never call again as there has been death in the family, a XXXX and XXXX victims. But no, they continue to call over and over and over and over again. We have the proof. The calls usually last less than a minute each call, but its so many harassments each day! Both in English and in XXXX.
We think its Political hatred! We have been seriously damaged by them and are living in fear because of them. Patenaude & Felix, a XXXX XXXX collection agency with a couple of lawyers, are the terrible perpetrators.
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| 04/23/2016 |
Yes |
- Debt collection
- Credit card
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- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
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Web |
Servicemember |
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I paid my account to less that XXXX $ by XXXX of 2006. I am currently in XXXX of the first XXXX employments that I have had since, and am only several months into such employment after a severe assault. As a crime victim, I believe I have victim rights to protect me against unfair garnishments and levies. Additionally, the collection agency did not submit due process in writing. The collection agency also has previously harrassed me by telephone. I believe that the collection agencies has conducted illegal searches to find my current financial information. The collection agency is trying to levy $ XXXX to the financial institution directly and, when telephoned, I am being told by the collection agency that the balance is well over {$2500.00} and that that is the amount to be paid unless paid in an unreasonable time frame and in large amounts. And that this is all due to " interest '' ( which I know to be illegal in the state of California, where the debt was incurred and where the collection agency is located ).
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| 08/31/2021 |
No |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/XXXX 2021, Patenaude Felix A.P.C., sent me a letter of {$390.00} with a offer to settle with my debt paid in full, a response needed by the end of XXXX. On XX/XX/XXXX of 2021, I messaged the client through their website to pay the amount as soon as possible, leaving my contact information. After getting response, I emailed the attorney ( on XX/XX/XXXX ) there who I discussed the case with, her name is XXXX XXXX. I again received no response. After that, I messaged them again on their website and said that if I receive no response in 5 business days, the debt is considered settled in full. I again received no response. Today on XX/XX/XXXX21 I called and did get a response, but they said the offer was no longer available and knowledgeable that they had in fact received my messages. The person I spoke with said their client was behind the offer, he then told me the offer on the table is XXXX XXXX, which is much more than the offer I was offered, accepted, and responded to in the correct window.
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| 08/03/2020 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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I just received a civil summons for a court date with the National Collegiate Student Loan Trust for the full amount of loans they apparently, serviced at one time. Those loans went into default in XXXX, then in XXXX, I began working with a debt collection service on a XXXX XXXX XXXX, after my XXXX Income Tax Return was garnished. I successfully completed all requirements of the XXXX XXXX XXXX as was then transferred to a new Loan Servicer and began making monthly payments there on time. That's when I last week, I was served by the county sheriffs with civil papers by the National Collegiate Student Loan Trust for the full amount of said loans plus accrued interest.
I called my current Loan Servicer and they informed that I am up-to-date and in good standing. As my current servicer, no one else should be seeking settlement or have legal standing to do so. My current servicer advised me to contact CFPB based on the prior settlement against the National Collegiate Student Loan Trust.
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| 11/22/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was taken to court by a law firm representing XXXX XXXX credit card Patenaube and Fe! ix. They switched my court date three times and I was there every time but on the third time the baliff said they won a XXXX judgement on a card with a XXXX limit. I did not hear from them again for about six years. They never communicated with us on settling this debt. Then last week they levied my savings, my cd and our safe deposit box. The savings was Social security money from a savings account that was attached to a checking account which was only receiving social security XXXX. My wife who was not involved from this debt was also not able to access our safe deposit box. Bank XXXX XXXX charged XXXX to seize our savings which was for home taxes savings.. Then this law firm told us they needed a payment of XXXX overnight. We went tour bank to do this only to find out they had already seized the cd and our savings would given them quite a large over payment.
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| 06/10/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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National Collegiate Student Loan Trust has had a law firm to place a title lien on my property. My name is XXXX XXXX and clearly this is a case of mistaken identity bc there are literally thousands of individualswith the same name. However, the above company did not research or clarify any of this info prior to having the law firm/attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ga XXXX go to XXXX County courthouse and place this lien. This has caused a major headache, loss of time and wages, and stress. I am currently having my loan refinanced and wouldn't have ever known this document even existed until they did a title search. This is humiliating and embarrassing. I have spoken to the law firm who has no record of a XXXX XXXX with my date of birth or SS # on file. Who is held accountable for slander of my name and discrimination when mistakes are made. Now I'm forced to get an attorney to rectify what should have never taken place.
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| 04/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/18 I piad a {$1500.00} debt over the phone to the law offices of Patenaude & Felix.
My bank statement shows the same name and amount for the charge to my account On Wednesday XX/XX/18 someone attempted to sever a summons at my parents address in XXXX CA. My Father told him I do not live there and that I live in XXXX CA. The same person returned on Friday XX/XX/18. My father told him again I live in XXXX. The process serve left the papers on the porch and left. My father called to tell me about this. I went to get the papers and it is a Summons and that I am being sued by XXXX XXXX. The legal firm is the same Patenaude & Felix that I made my payment to on XX/XX/18. I have sent them 2 emails to the address on the paperwork. both were returned as bad email address. I sent them a email from the " contact us '' on their web site and have not had a reply. I have not called them because I want everything I writing from them.
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| 08/17/2021 |
Yes |
- Debt collection
- Private student loan 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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I received a letter in the mail about a company threatening to garnish my pay check from my employer. The name of the company is XXXX XXXX XXXX XXXX. I have no knowledge or history working with this company whatsoever! The garnishment summons I received states that a judgment was issued against me on XX/XX/2017. I never received any notice at my home address regarding this company or this matter until I received the garnishment summons! I find it amazing that the only document that I received regarding this matter that made it to my mailbox is this garnishment summons. I am almost certain any other correspondence went to an old address and the only reason this made it to me is because they have contacted my employer. I know this because the garnishment summons has all of the information needed for the United States Postal Service. Again, I have never heard of this company and never did business with them.
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| 06/29/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This debt collector has been assigned to collect a debt for XXXX/XXXX that is involved in an FBI fraud investigation for a year and half now. I have sent this complaint to you about XXXX and you have DONE NOTHING. Now they have sent this to a debt collector. I wrote them back with supporting documention which includes my FBI Victims Letters and the XXXX banks that have released me from XXXX fraudulent accounts in my name.
You as the CFPB have done NOTHING to protect the consumer, you have done EVERYTHING to protect the credit card company. I 'm not sure what you people do n't understand, and it 's obvious I 'm a victim or the FBI would not be involved I expect you to do something this time and have this creditor along with XXXX quit harassing me and call the FBI which they have NEVER done and release this debt and take it off my credit report as a charge off They have ruin my once STELLAR credit.
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| 09/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I requested verification of debt from another collection company in XXXX. I answered a summons and plead not guilty, as they would not provide me with verification of the debt. Regardless, my wages were garnished by this agency. I was not aware of another judgment attempt. I contacted them in XX/XX/XXXX requesting verification of the debt, but they told me that they had a legal garnishment and were not sure that they would be able to find verification of the debt. They did state that it is for XXXXXXXX XXXX. That information did not have any meaning to me. I filed a complaint with the CFPB and Montana Attorney General XX/XX/XXXX. All communication stopped at that time, so I believed the issue had been resolved. They now phoned me on XX/XX/XXXX and stated that they have a judgment through XXXX. I believe the debt is not only not mine, but also past the statute of limitations.
|
| 12/16/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Called after sent written cease of comm
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|
Web |
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This company has continued to call after being sent written cease of communication notice. They have also not responded to my request to validate the debt and provide proof that this debt belongs to me and that they have the authority to collect and that the statue of limitations has not expired.
They call multiple times per day on my house line and on my cell phone. They call at XXXX exactly every morning disturbing my sleep.
This debt has been passed through XXXX collection agencies in the past 2 years. Not a single one has provided proof that the debt is owed by me or my husband. I 'm tired of being harassed by this companies and I 'm not going to put up with it anymore.
We only just got a notice from the last company handling this " debt '' that they would no longer pursue collection yet we started to receive phone calls from this company the very next day.
|
| 10/25/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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They have sued me in Washington Superior Court with out notifying me first of who the Original Creditor was. I am disputing the validity of this debt and request that all activity cease and desist. They never represented themselves to me. And they also have a class action lawsuit against them and I believe I am a part of this lawsuit because this loan was in XXXX and they are trying to collect on something that is not owed to them. They are violating 15 U.S. Code 1692f - Unfair practices Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) They have no legal right to collect on this debt since it was purchased between them and the creditor. I did not engage with this firm nor did I sign a contract to do business with this firm. They are not representing themselves truthfully and are extremely deceptive in their business practices.
|
| 09/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
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XXXX XXXX started harassing me in XXXX. First they sent me certified mail multiple times, which alerted my mom of debts and was very humiliating. They were also calling me numerous times a day. To put a stop to it, I sent a cease and desist out, yet the calls continued a short time after.
I still have a copy of certified mail from XX/XX/XXXX. If they provide my messages and with phone logs, I can prove they called me after the cease and desist.
Later on XX/XX/XXXX I received a letter threatening suit, from Patenaude & Felix, A.P.C. They made a threat that I could be sued for not only the principal amount but legal costs as well. They also said that if I didn't dispute the charge in 30 days, it would be assumed correct, thus trying to take my legal right to debt verification away from me.
Later on XX/XX/XXXX, they sent me a court summons.
|
| 06/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
Servicemember |
|
They have levied my account multiple times. Collected more than the debt itself. They 're charging interest on interest. They never show me statement nor receipts on the initial account. I never get proper response. I need to SEE receipts and records. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, please provide an itemization showing the dates and amount of each added amount. In addition, if you can explain how are the interest, fees or other fees added. I wanted to learn more about my case and they told me I can work on a payment plan to close debt. But they keep levying my accounts without understanding my situation. Please identify last payment made to this account. Use this method as my only form of contact regarding the debt.
|
| 09/26/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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|
Web |
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I have had trouble paying my private student loans this past year. Many loans became delinquent and were moved around from different servicing agencies. National Collegiate Student Loan Trust & XXXX XXXX XXXX XXXX filed a lawsuit, " Summons Civil Action '' in the XXXX County Courts, case # XXXX. I reached out to the law firm representing National Collegiate Loan Trust and they said there is no way to contact " their '' client and they are refusing to provide me with payment history on the loan that was originally taken out through the lender XXXX XXXX XXXX XXXX, XXXX. for {$6000.00} on XX/XX/2005. I have made many payments towards this loan over the past 10 years, but National Collegiate and their affiliates refuse to provide that information. I have been calling all of my loan services to get all of my history.
|
| 10/04/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Threatened to take legal action
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|
Web |
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I have had two conversations with representatives of this law office regarding a possible settlement of this debt over the past year or so. Neither went far at the time because we lacked the means to make payments.
This law office had someone who identified themselves as a process server deliver 5 documents that appear to be legal summonses related to some old student loans my wife took out going to school. I was left with the distinct impression that the company was taking legal action against us. However, when I contacted superior court in my county, I found that no suit had been filed and no paperwork submitted. Upon examination, the summonses all lacked specific court case numbers, but otherwise appear to be legal documents. They just say " pending '' where the normal court assigned numbers would be.
|
| 11/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Company Patenaude & Felux a 3rd party collections company for XXXX sent a collections letter to an address I had not lived in since the year XXXX, the notice was sent in XX/XX/XXXX. In XX/XX/XXXX the company proceeded to serve a person at the address that is unknown to me. They fraudulently obtained a judgement against me for {$2400.00} in XX/XX/XXXX. I discovered this judgement in XX/XX/XXXX when I was looking for records for a family member.
The company mailed in XX/XX/XXXX, a new service for renewal of judgment to the same old address that I have not resided in since XXXX.
After reviewing County Records I discovered that the person they claimed to have served in XX/XX/XXXX did not reside that the address where notices have been said to be personally delivered to this unknown women.
|
| 11/07/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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I have received 2 judgments along with garnishments against my paycheck on both of them. These were both XXXX Bank credit Cards that went into collection XX/XX/2006. That is 10 years and 10 months ago. That would be 4 years 10 months past the State of Oregon 's Statute of Limitations on Collection Lawsuits. I called them to ask why they are garnishing my wages almost 11 years later, and I was told that would be giving legal advice! I now find myself unable to sustain monthly payments on my families utilities & falling behind across the board due to the flagrant and apparently illegal actions of this unethical collection / attorney firm. I cant afford to pay another attorney to stop the illegal garnishments and Statute of Limitations complete disregard.
|
| 12/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I was a victim of identity theft, i know who the person who used my credit cards without my authorization. I recently ran my credit and have found negative credit hits that i was not aware off. I have filed a identity theft report with FTC and provided the report to my creditors and a sealed court document from the district attorney where i made the court aware of this individual stealing from me. I have reached out to my creditors to discuss my situation, they all take this complaint lightly stating i am to honor the debt. Some claim there was an investigation done in XXXX week. I have demanded an investigation to be performed in detail from XX/XX/XXXX thru XX/XX/XXXX on signatures to transactions on the credit cards with no success.
|
| 07/31/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
Older American |
|
XXXX XXXX keeps calling and writing about a debt they acknowledge in their written communications that they can no longer sue me for or report to a credit agency. If it is too old to collect, they need to stop contacting me. This is what they state " The law limits how long you can be sued on a debt. Because of the age of your debt, National Collegiate Student Loan Trust XXXX can not sue you for it and this debt can not be reported to any credit reporting agency. XXXX XXXX, XXXX can not sue you on this debt and XXXX XXXX, XXXX can not report this debt to any credit reporting agency. '' They need to stop contacting me. This is harassment. I am not stupid enough to start the clock all over again by sending them any money.
|
| 07/28/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I do n't remembering having an account with XXXX XXXX which states I owe {$2800.00}. I see this account listed on my credit report which shows it was already Charged off / Written off, as the last payment was paid XXXX 2015. Now 2 years later I received a notice from a Law office of Patenaude & Felix which states they are collecting for XXXX XXXX. This is not my account and it is listed on my credit report which was just brought to my attention due to this Collection company sending me a notice to pay or receive a Judgment. This legal document has no stamp from the Courts which makes me think this is not a legal document. What can I do to stop this collection on an account I do n't believe I have.
|
| 04/14/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
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I requested verification of debt from another collection company in XXXX. I answered a summons and pled not guilty, as they would not provide me with verification of the debt. My wages have now been garnished by another agency. I was not aware of another judgment attempt. I have contacted them, as of XXXX XXXX, for verification of debt and they told me that they had a legal garnishment and are not sure that they will be able to find the verification. They did tell me that it is XXXX XXXX, but that information did not have any meaning to me. They have not yet supplied any written documentation for verification. I believe that the debt is not only not mine, but also past the statute of limitations.
|
| 04/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
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I filed a police report a few years ago when tax returns were submitted in my name by someone other than my mother. Mother requested I get a copy of my credit report as well and we discovered several unknown accounts had been established in my name. That said, a XXXX XXXX XXXX account was placed on my credit was later removed. Now I am receiving harassing phone calls from a collection company in regards to the XXXX XXXX account. The company Law Offices of Patenaude & Felix, A.P.C . have also accessed my personal credit report and just recently sent me a collection notice requesting that I pay them {$1700.00} when a notice in the past said the account was for {$1000.00} bucks.
|
| 02/14/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
The Law Offices of Patenaude & Felix, A.P.C. contacted me to collect a debt for their client : National Collegiate Student Loan Trust. Within this phone call, I asked for proof that they own a loan which they believe I owe money, in which I've never seen the original paperwork. I was unaware that verification request should be made in writing to the pursuant company within 30 days of first contact.
When I was speaking with a representative from The Law Offices of Patenaude & Felix , A.P.C., he said if I do not start to pay the loan, then he will be forced to take legal action [ sue me ]. I felt very threatened by the situation and continue to get calls from them where I'm afraid to answer.
|
| 03/18/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
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The Collection Agency - Patenaude and Felix - put a lien on my bank account and without warning extracted funds ( {$12.00} ) from my checking account. I subsequently called them and spoke to a representative offering to arrange a payment plan. He declined my offer insisting the only way to avoid having funds withdrawn from my bank account in the future would be to pay the entire balance in full immediately. Of course, this is impossible for me to do otherwise I 'd have done so by now. This concerns me greatly as I have a joint bank account with my wife. The thought of having funds withdrawn from our account is now something we constantly fear. I just want a payment plan that I can afford.
|
| 02/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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|
A Law Corporation : Patenaude and Felix from XXXX XXXX, CA, www.pandf.us, sent a collection letter to relatives around XX/XX/XXXX. The letter alleges {$5300.00} is owed on a XXXX XXXX credit card closed XX/XX/XXXX. XXXX XXXX Court records the case XXXX has been closed, debt settled and paid. The debt was paid through court ordered wage garnishment which was completed and terminated, paid in full in XX/XX/XXXX. It is now almost 15-20 years later and the new collection corporation Patenaude and Felix is attempting to collect on a debt that is no longer owed, and not valid, completely unlawful. In addition, the letter was sent to relatives to their XXXX XXXX which I have never used.
|
| 06/21/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
My bank account was levied without notice or legal service. The bank representative gave me the phone number from the levy documents, which led to the XXXX XXXX Sheriff Dept. When I contacted them, they gave me the court case number for a legal action of which I was completely unaware. I immediately pulled reports from all XXXX reporting agencies, and not one report listed a delinquent debt. The court clerk did give me the name of Law Offices of Patenaude and Felix, a firm whose name appears in countless internet searches as predatory and abusive debt collectors. Therefore, this levy is an illegal collection attempt and an probable example of zombie debt collection.
|
| 07/14/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello CFPB, I hope you can help me.
After closing my case in XX/XX/XXXX, Case Number XXXX ( public information and can be looked up online in California Courts records ) Patenaude and Felix, a collection company with the address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, sent me a letter informing me I still owe a balance of {$820.00} outside of the settled case. I do not owe this amount and I called them and they told me I need to pay this amount to satisfy their client which is XXXX XXXX. The specified amount I owed was paid off and the case is closed. Now they are also calling me constantly and I need your help to stop them. Thank you very much for your time.
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| 06/09/2016 |
No |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
Servicemember |
|
My bank account was frozen by Patenaude & Felix, two days later I receive paperwork from this company letting me know that they received a judgement back in 2010. They went back to court last month and were able to levy my accounts to collect the money. My problem is I never heard anything about this lawsuit until now. I moved 7 years ago, this company filed the lawsuit in my old city after I moved. I know they knew where I lived because they were calling me at my new address and sending out letters. I was unemployed at the time and could n't pay and I told them so. I do not think its right that the first time I hear about this is when they freeze my accounts.
|
| 11/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
I do n't have an account with XXXX XXXX which has sent an account listed in my name to an Attorneys office for collection.
This account was written off 2 years ago according to the letter attached with XXXX XXXX. This account was opened " online '' which was not by me, therefore, XXXX XXXX does not have a signed contract from me.
XXXX XXXX has agreed to Cease and Desist their collections.
However, I just received a notice from : XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX, STATE OF NEVADA regarding XXXX XXXX XXXX vs XXXX XXXX.
They want to file a Default Judgment on me.
This is not my account.
XXXX XXXX has Ceased all collection activity.
|
| 03/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Back in XX/XX/XXXX, reached an oral settlement with XXXX bank over a credit card dispute.
On the check was written payment in full as per settlement. However, instead of cashing check the check was converted to an electronic format by payee.
In XX/XX/XXXX received an invoice from XXXX bank so sent a certified mail letter advising this was disputed and asked them to check notes of phone settlement conferences that were held in XXXX XXXX and XX/XX/XXXX.
In XX/XX/XXXX XXXX and XXXX, law office sent a letter regarding this debt and they ignored the written response and have filed a complaint in magistrate court which is scheduled for next week.
|
| 01/31/2017 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
On XX/XX/2017 I received a letter and a copy of an " Association of Council '' from the Law Offices of Patenaude & Felix A.P.C. informing me that they were representing XXXX against me. My account is current and I have never been late. I called XXXX and they informed me that they have not assigned this " law firm '' to represent them against me and asked me to fax over the letter I received because they had no knowledge of it. I have read several reviews of this company stealing money from people via getting judgements to collect on erroneous debts and illegally garnishing paychecks and bank accounts.
|
| 02/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
I did have an account with XXXX XXXX Credit card company on 2004 last time, I went in to hard financial times and I was not able to pay I believe was {$200.00}, now around 15 years later they are trying to collect {$1400.00}. According to a website ( https : XXXX ) they can not try to collect my debt after 4 years, in the last two years they have ceased ( frozen ) my bank account three times, by getting a judgment, so my question is ; do they have the right to do this after all this time? the case number is XXXX, and the issuing county is in XXXX XXXX CA. XXXX XXXX. thank you
|
| 05/26/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
I have had several debt collectors trying to collect on an obsolete credit card debt. It has been over 10 years and still they try to collect on this debt. Now they are using official Superior Court of XXXX XXXX court forms. Illegally. I look up the Court Case Numbers and they are always unknown or false. The whole thing is a wrong. They say they filed a Notice of Levy, but it is a lie. It is a way to scare me into paying them. I think this is criminal. I am wise to them. I hope others are not falling for their lies. Look up the court case and ask some questions first.
|
| 02/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
Debt collectors Proof of Service shows that a " XXXX XXXX '' received the documents at a location which is not my work or my home. Violation of my 5th and 6th amendment rights for improper service. Then they proceeded to get a Default Judgement and levied my bank accounts.
I called them and they refused to release the funds and demanded payment of the debt in full.They refused to vacate the judgement and dismiss the case if I agreed to enter into a monthly plan. They also would not release the funds that were held ( based on an illegal court order ).
|
| 04/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I received a bill in the mail from Patenaude & Felix Collections to try and settle for a debt that was originally owned by XXXX XXXX ( original creditor ) that was reported negatively on my credit reports with XXXX, XXXX, and XXXX. I am a victim of identity theft and I do not recognize this alleged debt of {$1500.00}. I am disputing the validity of this debt that Patenaude & Felix now has. This alleged debt does not belong to me. I am requesting for Patenaude & Felix to " Cease & Desist '' all contact and communication with me.
|
| 08/06/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Since XX/XX/2011 I started my payment plan. Please see attachment from XX/XX/2011 payment for {$150.00}.
I would like to dispute and get refund because my financial account have been charged off and closed so it was already too late but the debt agency still accept and collect funds when the account was closed. And it was too late the financial institutions is still saying Im suppose to pay by XX/XX/2011. But the agency still told me I could reopen the closed account and I could start the payment plan but it was not true.
|
| 11/17/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
reference to case number XXXX, In response to my complaint response XXXX and pate nude and Felix. They said that they try to contact me on several occasion since 2009 and working on my behalf that is not true I never heard anything from the above debt collectors/ attorny till XXXX XXXX when they produced a judgment against me to XXXX XXXX and allegedly took XXXX I have never signed any agreement with any of the above debt collectors or attorney. therefore I do not owe them a dime because they are third party
|
| 06/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am being contacted by a law firm for a debt I do not owe. I have kindly ask this debt collector to verify the information according to the laws of consumers. I have requested the original documents and verify the information accordingly. They have not been able to. I was a victim of identity theft in which I reported this information to the FTC and credit bureaus. This debt collector is harassing me for debt I do not owe and wants me to enter into an agreement with them that I am not required to do by law.
|
| 10/20/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
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This debt went to collections, to the firm Patenaude & Felix, A.P.C. They sent me a judgement balance for {$14000.00}. This was paid via wage garnishment. After the garnishment was complete and the judgement balance paid, I received another letter stating that the judgement balance for the same case number was now {$1700.00}. I asked for documentation for that was for and was verbally told that it was interest. I asked for documentation of the interest rate etc.. and was told that none would be provided.
|
| 02/01/2019 |
No |
- Debt collection
- Auto debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
I received a letter from the company named Patenaude and Felix, A.P.C. stating that I have to pay off an account that for {$260.00} when the account has already been closed. In the achieve I will be enclosing the following documents. One, the letter from Credit Monitoring ( showing proof that the account was closed ) and the letter from the following company I have mentioned earlier. I don't know these lawyers and I would appreciate it greatly if you looked into the matter as soon as possible.
|
| 12/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Patenaude & Felix A.P.C is attempting to collect a charge off account which is not mine. The debt was disputed with the alleged creditor XXXX bank all communication was ignored and they have since charged off the alleged account. Patenaude & Felix A.P.C are now sending scare tactic letters referring to a judgement. This is clear violation of my rights under the FDCPA. I have contact the credit buerus and issued fraud alerts as I have never conducted business with Patenaude & Felix A.P.C.
|
| 10/15/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
I have a co-signer on a student loan for over 10yrs Now and would like to be removed. XXXX advised that you are the ones who decided. They declined the application to remove me as a co-signer. The loan is in good standing and the only reason why is because they co-signer was not on auto debit for the first 48 mo. I believe this practice is unfair and harming. The loan is in good standing and the signer ( XXXX XXXX ) is capable of making her own Payments and has good a credit standing
|
| 09/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2019 I received a letter of a debt I have never heard of from XXXX XXXX collection for XXXX. I never have in my life had a XXXX account. NEVER NEVER.
The letter is misleading. This is the first time I have heard of this. I have contacted FTC, there identity thief division, I filed a police report, I have contacted the attorney general regarding this. I have sent a letter to them which they should be getting any day now and I also sent a letter to XXXX XXXX.
|
| 01/13/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
A settlement was made with this collection agency and a payment plan was agreed upon, payments were made according to schedule based on letters and phone calls made by the agency. Letters and calls stop arriving and the agency takes out a legal order to collect on an inflated balance. When contacting the bank, the bank states that the deal must be worked out with P & F, who then bully and lie stating they made calls and sent letters, none of which were registered mail.
|
| 10/26/2020 |
No |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The creditor they were/are representing did not stick to the contract due to a personal issue with me which resulted in a wrongful repo and tried to blame me.the negatively affected my credit, when the real issue is the company is XXXX and tried to cover up the damages done to my car without my consent when it was supposed to be repaired under their time/warranty. Court documents states i do not owe this money.case was dismissed This is my 3rd time reaching out.
|
| 12/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
|
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I have been receiving several phone calls from Patenaude and Felix. I get them all day everyday. I have inform that I am not allow personal calls at work. Even after telling them this they still keep on. This is a form of harassment and it needs to stop NOW. There are laws against this kind of thing and I don't see why they can get away with. I know that if I say stop calling they must stop, guess they don't understand the word STOP!!!!.
|
| 07/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX negotiated settlements with Creditors. XXXX XXXX XXXX appears to made payments late and bounced a check. XXXX XXXX for my Mastercard and XXXX accounts took payments late then are calling stating agreements will not be honored. Even though XXXX XXXX eventually got every XXXX of the agreements they will not honor them Due to COVID19 I have no money I lost more then 50 % of my income. I can not pay all my bills.
|
| 02/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Older American |
|
I have tried to verify the debt by asking for the contract and signature to verify if the debt is mine, they sent a credit card statement and nothing else. I have sent XXXX letter to them asking to verify the debt and they didnt respond instead they are trying to sue with out even showing the debt is mine. I have try to offer a settlement even though they cant prove the debt is actually mine and there is again NO RESPONSE.
|
| 05/27/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
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I have a levy that was charged agents me back in 2012. I am currently collecting XXXX and XXXX. My bank has taken the levy out on the child support both are direct deposit. They have said that the XXXX is the only money they can not withhold from the levy. I have done some research and it seems that they ca n't levy either. What can I do to get the money back that they have already levied and prevent this from continuing?
|
| 03/09/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX was owed by myself for a XXXX XXXX XXXX and a XXXX XXXX XXXX amounts shown on credit reports as {$13000.00} and {$22000.00} both sold to :1patenaude & felix a.p.c.add:XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX and 2 : XXXX XXXX XXXX add:XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX is currently showing on XXXX and XXXX I ask that they both be deleted a.s.a.p. please respond XXXX thanks
|
| 07/28/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have received several phone calls from XXXX XXXX stating that I owe money to National Collegiate Trust. NCT tried to litigate against me several years ago but, was unsuccessful as they could not verify the debt and the alleged debt was past the statute of limitations. I informed the callers that the debt was past the XXXX and to never contact me again and they still call me very often.
|
| 09/05/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Attorney debt collectors are attempting to collect a debt that is not mine and can not furnished how I owe them under the law. I do not have to communicate with them as they have not given me the required original documents of how and why I owe them. The debt is not mine.I am really poor and have no money and a XXXX I do n't have money and I can not pay for a debt that is not mine
|
| 05/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Yet again after many failed attempts at contacting this company I am forced to file a complaint. The balance due on this account is inaccurate, I have proof of all payments made since agreement finalized in XX/XX/2020, called the company, emailed the company through their website and have not heard a word. I even emailed them attempting to make a settlement offer and nothing.
|
| 07/15/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
My problem is with National Collegiate Trusts. I have been sued in California Courts over an alleged debt. My understanding is that in the case that CFPB brought againt them, they agreed not to sue until these debts have been audited. Is this agreement still in force? If it is, are they vilating this agreement by suing me? Lastly, how can I become a member of this class?
|
| 02/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This debt collector contacted me claiming a false debt that does not belong to me. I sent them a cease and desist letter. They violated the cease and desist letter and continued to contact me without any regard of the law. They then sued me without serving me and are attempting to obtain a default judgement in a deceptive manner since I was not notified of the lawsuit.
|
| 12/17/2020 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an account with XXXX XXXX, i paid for their debt protection plan on the account. I lost my job in early 2019, used the debt protection and the account was paid in full and closed. I recently got a summons that XXXX XXXX is now attempting to sue me for the same debt that has already been paid off! None of my other XXXX accounts have ever been late/in collections.
|
| 05/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018 I was served a summons to settle a debt. The summons was dated for XX/XX/2018 exactly a full month before I received any word of this summons. To top it off I was served on a Sunday when the courts are closed giving me no possibility to respond to the summons. I was not made aware of this summons in any way before the date to respond expired.
|
| 06/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Someone calling him/herself XXXX XXXX XXXX has contacted me 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 has failed to provide all of the information I requested.
|
| 02/27/2021 |
No |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
THIS COMPANY HAS BEEN ILLEGALLY REPORTING INCORRECT INFORMATION TO THE CREDIT BUREAUS CAUSING HARM TO MY CREDIT SCORE. I'VE MADE MORE {$850.00} OF PAYMENTS SINCE XX/XX/2020 WHEN WE CAME TO AN AGREEMENT. ATTACHED ARE ALL PAYMENTS AND SAID AGREEMENT. I'VE CONTACTED THIS COMPANY THROUGH EMAILING ON THEIR WEBSITE & CALLING WITH NO RESPONSE.
|
| 04/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019 I received a debt collection letter on an unsubstantiated, alleged debt with XXXX XXXX XXXX who has now sold/handed over my alleged debt to Patenaude & Felix A.P.C without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists. I filed a previous complaint with CFPB on this same matter
|
| 11/20/2020 |
No |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX, with Patenaude & Felix, PC, representing XXXX, is refusing to provide a letter stating I have paid my account in full. He stated it is not their obligation to provide this letter. It is up to their client. However, their client, XXXX, refuses to give me a letter. They have received their money.
|
| 04/30/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
I received a message from Patenaude & Felix APC stating I have a complaint against my name and social security number and a warrant was going to be issued at XXXX tomorrow XXXX/XXXX/2015. This is a collections agency/ law office and I 've been ignoring they 're prior calls.
|
| 05/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
The law offices keep contacting me for another person. I have told them repeatedly that I am the holder and owner of this phone and to not contact me or this person on my telephone. They have ignored this request and continued to contact me.
Law Offices of .. XXXX XXXX
|
| 04/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
Law Firm Patenaude & Felix keep harassing me with calls to me, my mom, and now my work. This is for a debt that is not mine or one that I do not recognize. Regardless, they are in violation of credit collection laws and my privacy to be contacting family and my work!
|
| 05/08/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Company refuses to update my credit report after a settlement was made on my account and was provided with documentation as settled in full. They continue to update my credit report as late and damage my credit rating.
Patenaude & Felix A.P.C as of XX/XX/2020 2020
|
| 12/06/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I settled with the attorney that represented XXXX XXXX XXXX, XXXX XXXX on a debt I owed. Patenadue & Felix represented XXXX XXXX and never notified their client and XXXX is still showing a negative account impacting my credit rating and obtaining a new job.
|
| 06/17/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
I am filing a complaint against a debt collector PATENAUDE & FELIX, A.P.C.
This company is harassing me for a debt that has an expired statute of limitation.
They have sent me a summons to appear in court.
Attorney At Law : XXXX XXXX XXXX : XXXX Ex XXXX
|
| 07/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I just got serve Tuesday XX/XX/XXXX unfortunately the papers were delivered to my now XXXX year old daughter papers were not in any kind of envelope, she read and shared with her XXXX year old brothers the forms against me and was crying when I got home.
|
| 05/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
After being reporting false payment history and balance information and MANY submissions through all 3 credit bureaus, Ive provided evidence showing all payments Ive made and the reported balance is incorrect.
|
| 02/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I wrote them a certified letter to stop contacting me via phone that they received on XX/XX/2018. I also sent a validation letter about they debt which they didnt provide me. They continue to call me.
|
| 01/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I spoke to the representative from the attorney 's office Mr. XXXX XXXX. He mentioned that i was served thru an individual by the name of XXXX. The owner, my lessor at that time is Mrs. XXXX XXXX.
|
| 08/04/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have constanlty harras by this deb collectorOF A DEBT THAS IS XXXX YEARS OLD. IS THIS LEGALUNDER NAME OF PATANAUDE AND FELIX APC.
THI IS PHONE NUMBER IS XXXX XXXX XXXX NUMBER IS XXXX XXXX
|
| 04/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
I am currently paying off a XXXX XXXX through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. Patenaude & Felix, a.p.c are now trying to collect on the SAME debt!
|
| 05/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Patenaude and Felix proceeded to take action without proper documentation or notification. They also provided my personal information to unknown individuals.
|
| 06/19/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The debt is not validated. I have attached the summons as well as the collection letter from Patenaude and Felix, a debt collector.
|
| 01/21/2017 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
Unlawfully seized {$820.00} from my bank account, the debt was a time-barred debt of 11 years
|
| 09/20/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
Filed suit before first notifying me of their intent to do so
|
| 12/29/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/17/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Referral |
|
|
|
| 11/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/25/2021 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 09/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 09/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 09/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/15/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
|
| 09/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 06/08/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 05/20/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
|
|
|
| 05/20/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
|
|
|
| 05/12/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/24/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 10/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/06/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 08/06/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Phone |
|
|
|
| 06/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 04/15/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 04/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 03/03/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 02/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Phone |
|
|
|
| 01/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Referral |
|
|
|
| 01/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 01/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Phone |
|
|
|
| 10/04/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/01/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 08/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 08/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
|
| 06/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 04/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American |
|
|
| 02/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 02/04/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 01/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Referral |
|
|
|
| 09/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 08/23/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Phone |
|
|
|
| 08/02/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
|
| 08/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
|
| 05/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 11/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 10/24/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/19/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 07/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/30/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Referral |
Servicemember |
|
|
| 06/27/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Referral |
|
|
|
| 06/22/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 06/05/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/25/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/20/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
Servicemember |
|
|
| 02/01/2017 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
|
| 01/31/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 01/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 11/30/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/27/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 09/19/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 09/14/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/10/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 07/21/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Postal mail |
|
|
|
| 06/02/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Can't qualify for a loan
|
|
Web |
Older American |
|
|
| 05/04/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 01/21/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/24/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 12/16/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 11/26/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Older American |
|
|
| 10/06/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/09/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Referral |
|
|
|
| 08/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 07/20/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 07/03/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/18/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
|
| 06/16/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 05/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/29/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Referral |
|
|
|
| 03/25/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 03/10/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
|
| 03/04/2015 |
No |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/27/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 12/23/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 11/27/2014 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 10/13/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 10/07/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 09/22/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 09/09/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 09/08/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/05/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 08/22/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 08/15/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
|
|
|
| 08/09/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 08/05/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
|
|
|
| 07/31/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 07/26/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 07/11/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't get flexible payment options
|
|
Web |
|
|
|
| 07/03/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 06/27/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 06/03/2014 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Phone |
Older American |
|
|
| 06/02/2014 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
Servicemember |
|
|
| 05/30/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
|
| 05/10/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 04/02/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
Servicemember |
|
|
| 03/31/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/21/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/03/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 02/24/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 02/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/22/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 01/09/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 12/30/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 12/14/2013 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 12/12/2013 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/08/2013 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/02/2013 |
Yes |
- Student loan
- Non-federal student loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/10/2013 |
No |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Phone |
Servicemember |
|
|
| 09/30/2013 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 08/28/2013 |
No |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|