Esquire Cleaners

Thank you for allowing our firm the opportunity to respond to [redacted] ’s inquiry filed with the Revdex.com (“Revdex.com”) on October 25, According to Ms [redacted] ’s inquiry, she believes our firm purchased and obligation she owed to Wells Fargo FinancialMs [redacted] claims she had never opened an account with, or received a loan from, Wells FargoMs [redacted] states that our firm “stole” money from her by process of a bank levyShe requests that the levied funds be returned, that her credit report be corrected and that our firm no longer attempt to contact her In reply to Ms [redacted] ’s inquiry, our office has conducted an investigation of the issues raised thereinOur records reflect that the current owner of the obligation in question is [redacted] , LLC, whom our firm representsWe show that the obligation originated on March 24, with Wells Fargo Financial and was reported as delinquent on August of the same yearA lawsuit was filed by our office regarding this matter on August 27, Ms [redacted] was personally served on September 14, and a judgment was entered on November 10, On September 16, 2012, Ms [redacted] submitted a complaint to the Revdex.com (received by our office May 15, 3013) claiming she “ paid off all the debts that I owe the company who Nelson and Kennard represent” and requesting that our office stop contacting herThis information was notated on her account and our office ceased attempts to contact her regarding this matter a copy of the previous complaint is enclosed for reference In the complaint at hand, Ms [redacted] claims she never opened an account or received a loan from Wells FargoAs our firm wishes to honor the request to not contact her, we are unable to obtain the information needed to investigate this claimIf Ms [redacted] believes this account was opened fraudulently, as a result of identity theft, we request that she complete the enclosed Fraud Claim Affidavit and return it to our office as soon as possibleOnce received, and investigation will be initiatedIf fraud is found to have occurred, any captured funds will be returned and our office will request that the judgment be set aside We appreciate Ms [redacted] ’s inquiry and the opportunity to assist herWe invite her to contact our office at anytime if she wishes to discuss her accountOur toll-free number is provided above I trust the above-information adequately addresses Ms [redacted] ’s inquiryIf, however, she requires any additional information or has any additional questions or concerns, she should not hesitate to contact our officeThis firm is a debt collector attempting to collect a debtAny information obtained will be used for that purposeCalls may be monitored and acre recorded for quality assurance Sincerely, [redacted]

Thank you for allowing our firm the opportunity to respond to Mr.***’s complaint, which was submitted on May 27, According to your inquiry, Mr[redacted] contends that he has never received any paperwork notifying him of a lawsuit and that the original debt was charged off in Our office has conducted an extensive investigation of the issues raised therein and responds accordinglyAccording tour records, Mr [redacted] was served via substitute service by leaving a copy of our summons and complaint with MrDillon Guinn, a co-resident, and then mailing a true and correct copy of those same documents to his last known addressFurther, our records reflect that the judgment amount is validSubsequent to serving Mr***, a judgment was awarded by the court on April 12, for the amount of $7,plus post judgment interest rate at the legal rate of 10%Said amount included the charge-off amount of $6,along with prejudgment interest and court cost awarded by the courtAfter crediting $from a previous garnishment, the current balance is $10,We have invited Mr [redacted] to contact our office at anytime if he wishes to discuss his account and have provided him with out contact information if he chooses to do soI trust the above-information adequately addresses your inquiryIf, however, you require any additional information or have any additional question or concerns, please do not hesitate to contact our office

I am rejecting this response because:Thank you for taking the time to respond to my concerns.After receiving what you call "Debt Verification" I noticed that non had my initials and or my signatureI tried to call several times since then but was unable to connect with Rosie who is in charge of my accountI am still looking to resolve this issue as best as we can due to the circumstancesI do keep old emails and I do show that I paid in April of and by May of the account was already sent to collectionI would like to have a detailed statement that shows all my payments and how they were applied, please email to [redacted] as I don't have a permanent address.Also, after I responded to your letter last year I never heard back from you, why should I pay $in filing fee if you did not make an attempt to come to an agreement with me??Thank you

Thank you for allowing our firm the opportunity to respond to [redacted] ’s inquiry filed with the Revdex.com (“Revdex.com”) on September 16, According to Mr [redacted] ’s inquiry, he believes that our client, [redacted] (USA), N.A., has breached their contract with him and “illegally” sold his debt to our firm He claims to have provided our firm proof of this breach of contract He also alleges that our firm has knowingly sent letters to a residence he is not affiliated with and has violated his cease and desist requestHe requests an apology and reimbursement in the amount of $for “equipment to save/backup (our firm’s) harassing voicemails to the cloud”In reply to Mr [redacted] ’s inquiry, our office has conducted an investigation of the issues raised therein Our records reflect that Mr [redacted] opened his [redacted] credit card account on February 18, The account was charged off on August 15, due to non-payment On September 4, 2016, Mr [redacted] sent a letter to our client, offering to pay $in September and $in October “as a promise to pay” Our client has informed our firm that they did not respond to this letter According to the documents provided by Mr [redacted] as evidence of his claim, a payment of $was made on October 19, 2016, followed by a payment of $on November 18, Copies of the correspondence dated September 4, and Mr [redacted] ’s proof of payment are enclosed for you referenceAs no further payments were received, [redacted] placed Mr [redacted] ’s account with our office on or about June 16, 2017, in an effort to recover the outstanding balance An initial collection letter was sent to Mr [redacted] on June 29, Mr [redacted] responded with a letter dated July 3, 2017, in which he stated Capital One had sold our firm his debt despite having agreed to a re-payment arrangement, for which they had already received two payments Our firm does not own Mr [redacted] ’s debt Our client, [redacted] Bank, is the originator and owner of the obligation Our firm reported Mr [redacted] ’s claim to our client, at which time we were informed that [redacted] had no agreement in place with Mr [redacted] , and no payments had been received since the payment made in November On July 25, 2017, our office sent Mr [redacted] a letter explaining that, as no payments had been received in over seven months, collection efforts would proceed Due to a clerical error, this letter was sent to a secondary address on fileOn July 29, 2017, Mr [redacted] responded to our letter dated July 25, 2017, stating that two payments had, in fact, been made since December As evidence of the payments, Mr [redacted] attached payment activity from his [redacted] account showing the payments made to our client on October 19, and November 18, The payment activity also shows a payment for $made on July 26, 2017, which Mr [redacted] claims is evidence of his settlement agreement with [redacted] ***Copies of the above referenced letters are enclosedIn his correspondence dated July 29, 2017, Mr [redacted] also requested proof of his debt, as well as informing us that the address our correspondence was sent to belongs to his parents In response to his request, our office sent a letter, dated August 3, 2017, verifying Mr [redacted] ’s debt and including account documentation In response, Mr [redacted] sent a letter, dated August 7, 2017, offering to settle his obligation for an amount less than the current balance due Five days later, on August 12, 2017, Mr [redacted] sent another letter asking that we stop “harassing” him and stating that the letter would be his last contact with our firmCopies of the above referenced correspondence are enclosedOn September 14, 2017, our firm sent Mr [redacted] a letter informing him that a lawsuit may be filed against him in this matter No other communication has been attempted by our firmMr [redacted] also requests that our firm reimburse him $for equipment used to save harassing voicemails he has received “to the cloud”As our firm has never attempted to contact Mr [redacted] by phone, this request is without merit and will not be honoredIt is the position of our firm that Mr [redacted] ’s obligation to [redacted] is valid and all communication with Mr [redacted] initiated by our office has been appropriate We appreciate Mr [redacted] ’s inquiry and the opportunity to assist him We invite Mr [redacted] to contact our office at any time if he would like to discuss his account Our toll-free number is provided above I trust the above-information adequately addresses Mr [redacted] ’s inquiry If, however, he requires any additional information or has any additional questions or concerns, he should not hesitate to contact our office This firm is a debt collector attempting to collect a debt Any information obtained will be used for that purpose Calls may be monitored and are recorded for quality assurance

Thank you for allowing our firm the opportunity to respond to Mr***'s complaint, which was submitted on May 27,We received notification on June 13, that Mr [redacted] had rejected our responseaccording to your inquiry, Mr [redacted] contends we have not provided proper evidence that the service of the Summons Complaint was valid.Our office has conducted an extensive investigation of the issues raised therein and responds accordinglyaccording to our records, the process server made several documented attempts to serve Mr [redacted] personally, but were unsuccessfulMr [redacted] was then served via substitute service by leaving a copy of our summons and complaint with Mr [redacted] ***, a co-resident, and then mailing a true and correct copy of those same documents to his last known addressThis last known address was the same address at which Mr [redacted] received statements for the account in question until it was charged-off in May 2009.As Mr [redacted] stated in his complaint, he did not move residences until August 1, 2010, therefore the service was validWe have provided Mr [redacted] with a copy of the Proof of Service of the summons and complaint as requested.We have invited Mr [redacted] to contact our office at anytime if he wishes to discuss his account and have provided him with our contact information if he chooses to do so.I trust the above-information adequately addresses your inquiryIf, however, you require any additional information or have any additional questions or concerns, please do not hesitate to contact our officeThis firm is a debt collector attempting to collect a debtAny information obtained will be used for that purposeCalls may be monitored and are recorded for quality assurance

After receiving Ms [redacted] 's complaint, our office has conducted a thorough investigation of the matter at hand Ms [redacted] 's concerns have been addressed in a letter mailed February 12, A letter containing the same information has been sent to the Revdex.com the same day Out of concern for Ms [redacted] 's privacy, the correspondence has not been uploaded Please do not hesitate to contact our office with any questions or concerns

I am rejecting this response because:The statements at the end of the documents do not have my information.The documents do not have my initials or my signatures.I show many more payments than the payments you listed and they were posted after 3/5/

We have submitted Ms [redacted] 's concerns to our client for its consideration I presume we will be in a position to respond to Ms [redacted] 's requests no later than 7/ Thank you

I am rejecting this response because:they lied and said the client had filed a lawsuit on june 30thI have
received no correspondence from nelson and kennard showing the client hired themIt has been to years since I made any payments to *** ***I am on a fixed income and they dont careThey buy loans I told andrew the rep I could pay a month and he said it would be yrs to pay the debt which is a lieTgey told me I had to suvmit a financial statementNowThey say they will talk to the clientI want a reply from an attorney not a collection rep

Thank you for allowing our firm the opportunity to respond to *** ***'s inquiry filed with the Revdex.com ("Revdex.com") on August 6, According to the inquiry, Ms*** alleges that our firm has levied her bank account in an attempt to satisfy an obligation that has previously
been paid and is past the statue of limitationsShe claims that the original obligations was $2,and over $4,has been leviedMs*** further alleges that our firm has engaged in harassing behavior, calling her every day for over ten yearsShe asks that further efforts to collect the outstanding balance cease and that the account be closed as paid in fullIn reply to Ms***'s inquiry, our office has conducted an investigation of the issues raised thereinOur records reflect that this account was placed with our office in May with an outstanding balance of $3,Suit was filed April 14, and judgment entered on October 19, Once entered, a judgement is valid for ten years and can be renewed thereafterDespite several conversations with Ms***, no payment arrangement was agreed upon and no voluntary payments have been received toward satisfaction of the judgementIn an effort to enforce the judgement, our firm executed a bank levy in May Ms*** filed a claim of exemption which was denied by the court on July 31, Levied funds in the amount of $3,were applied to the then balance of $8,The current amount necessary to satisfy the judgement is $5,Interest is accruing on the balance at he legal rate of 10% per annumOur records show that two calls were placed to Ms*** in 2014, six in and ten attempts have been made in Our review reveals no evidence of harassing behaviorWe appreciate Ms***'s inquiry and the opportunity to assist herWe invite her to contact our office at anytime if she wishes to discuss her accountOur toll-free number is provided aboveI trust the above-information adequately addresses issues raised in Ms***'s inquiryIf, however, you require and additional information or have any additional questions or concerns, please do not hesitate to contact our officeThis firm is a debt collector attempting to collect a debtAny information obtained will be used for that purposeCalls may be monitored and are recorded for quality assurance

A written response, addressing Mrs*** concerns, has been uploaded to this case. A copy of the response is being mailed to Mrs***

Creditor: *** *** *** Original Creditor: *** *** Account Holder: *** *** Case No.: *** Account No.: *** Our File No.: *** Revdex.com Complaint ID: *** Current Balance Due: $*** Dear Ms***: Thank you for allowing our firm another opportunity to respond to *** ***’s inquiry filed with the Revdex.com (“Revdex.com”) on May 19, 2017. According to Ms***’s response, received October 17, 2017, Ms*** is rejecting our previous response because our firm “refused” to provide a breakdown of the balance she owes to our client, *** *** ***She asks that we retract our claim and discontinue collection effortsIn reply to Ms***’s response, our office has conducted a further investigation of the issues raised therein. Our records reflect that our office provided Ms*** with a ledger showing her original balance, all payments received, credits applied and interest accrued on her *** *** account in our response to her request for verification of her debt on May 22, 2017. This information was provided again in response to her initial Revdex.com complaint on June 7, and is attached to this complaint as pages and of ***. This response also included a narrative breakdown of the balance Ms*** owed at the timeA copy of the ledger, as well as an explanation of a $fee being added due to a lawsuit being filed, was provided in our firm’s response to Ms***’s initial rejection of our response to the complaint on June 22, 2017. The ledger showing the balance breakdown was again provided to Ms*** on July 27, in response to another request for verification of her debtIn summary, Ms*** was issued a loan through *** *** in the amount of $10,on October 15, at the contractual interest rate of 29.75% per annumPayments of $were received on the loan on November 20, 2014, December 19, 2014, January 30, and March 5, 2015, resulting in a principal balance of $***. Due to the payment due in February being received late, a fee of $was applied by *** ***. After Ms*** stopped making her payments, interest in the amount of $*** accrued between March 21, and June 19, Interest stopped accruing when the account was closed due to non-payment on July 31, 2015. The balance due at the time the account closed was $***A fee of $*** was incurred on October 27, as a result of filing suit against Ms***. A fee of $was added to the balance on June 13, 2017, in an effort to effectuate service of processAs this effort was unsuccessful an additional cost of $was incurred on October 11, in order to effectuate process of service, resulting in the current balance due of $***. It is the position of this firm that Ms***’s balance has been verified and that the current balance is due and owing. We appreciate the opportunity to assist Ms***. We invite her to contact our office at anytime if she wishes to discuss her account. Our toll-free number is provided above. I trust the above-information adequately addresses Ms***’s inquiry. If, however, you require any additional information or have any additional questions or concerns, please do not hesitate to contact our office. This firm is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. Calls may be monitored and are recorded for quality assurance

I am rejecting this response because: As I stated " I left the residence on Aug1, 2010" and so this begs the question when did the service for Nelson and Kennard supposedly take place? Where is the document showing service? They have not produced any real evidence proving any of these statements of who they delivered them to or when.I ask the Revdex.com, to look into the number of attempts made by Nelson and Kennard to contact me, as this company has shown neglect and in this way is profiting greatly on the interest and fees they are constantly adding to this debt

Thank you for allowing our firm the opportunity to respond to Carol A ***'s inquiry filed with the Revdex.com ("Revdex.com") on August 25, According to her inquiry, it appears Ms*** believes that the statute of limitations on this file has expired.In reply to her inquiry, our office has conducted an investigation of her issues raised in thereinOur records reflect that the most recent payment made toward this obligation was posted on August 30, This payment of $was made after our client, *** *** ***, had acquired the debt on April 7, Accordingly, as of the date of the investigation, it does not appear that the applicable statute of limitation had expiredAfter reviewing the matter, our client, *** *** ***, has requested the account be returned to themAccordingly, the file has been closed in our office.We appreciate the inquiry and the opportunity to assist Ms***If she wishes to discuss this account in the future she should contact *** *** *** c/o Resurgent Customer Service at *** ***).I trust the above-information adequately addresses Ms***'s inquiryIf, however, she requires any additional information or has any additional questions or concerns, she should not hesitate to contact our officeThis firm is a debt collector attempting to collect a debtAny information obtained will be used for that purposeCalls may be monitored or recorded for quality assurance.Very truly yours,Nelson & Kennard*** *** ***Attorney at Law

Creditor: *** *** *** (USA), N.AAccount Holder: *** *** Account No.: *** Our File No.: *** Revdex.com Complaint ID: *** Current Balance Due: $6, Dear Mr***: Thank you for allowing our firm the opportunity to respond to *** ***’s rejection of our firm’s previous response to his Revdex.com complaint, received by this firm on October 2, 2017. According to Mr***’s response, he rejects our explanation as he claims a second letter was sent to his parent’s address. He further states that he has made an additional payment to our client, *** *** *** (USA), N.A., and will continue to send payments to them pursuant to a phone call made to *** ***In reply to Mr***’s concerns, our office has conducted a further investigation of the issues raised therein. Our records reflect that Mr***’s payment of $was forwarded to our office by our client on September 26, 2017. This amount was applied to his balance, resulting in the current balance dueWe have been advised by our client that they have no record of communicating with Mr*** by phone since his account was placed with our office on or about June 16, 2017. Nevertheless, Mr*** is free to make payments on his balance either to our office or to *** *** directly, whichever is most convenient for himWhile payments made directly to our firm will help avoid unnecessary delays, all payments received will be applied to his outstanding balance. Mr*** should be aware, however, that without an agreed upon payment plan, our office may still pursue collection efforts as appropriateThe address referenced by Mr*** has been removed from his account. Additionally, his account has been placed in “cease and desist” status to ensure no further letters will be sent by our office in regards to this obligationWe encourage Mr*** to contact our office at anytime if he wishes to discuss a payment arrangement, or has any other questions about his account. Our toll-free number is provided aboveI trust the above-information adequately addresses Mr***’s concerns. If, however, you require any additional information or have any additional questions or concerns, please do not hesitate to contact our office. This firm is a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. Calls may be monitored and are recorded for quality assurance

I am rejecting this response because: Despite the firms claims of a clerical error, a second letter was sent by same firm to the secondary address, despite being told I had no longer resided there. I have advised my parents to return any mail from this firm back to them, as they have been advised more than once that I don't reside there.Furthermore, another payment was made and accepted by this firm's client, *** ***(copy of payment enclosed). As *** *** continues to receive payments, it is their obligation to inform this firm of same. I am acting in good faith and attempting an amicable resolution. As a call with *** ***, inquiring where payments are to be made, they have advised me continue to make payments to them directly. Seeing as how I am paying off this charged debt directly with the creditor, and seeing as how this firm continues to send letters to addresses they know I don't reside at (despite being told TWICE), and a phone call to *** *** confirms payment should be made directly to them, I am following the direction of one firm, the original. If Nelson and Company furnishes a different directive authorize by *** *** stating payments should be sent to them, I will send future payments to them, but as mentioned above, I am following the directive of the original creditor. I assume this closes the matter, and a conversation between Cand Nelson will allow them to resolve this bungling once and for all

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me
Nelson and Company may still own the debt, however, I will continue to make payments directly to *** ***. If Nelson decides to escalate outside of this agreement, we may certainly proceed with small claims court, though an amicable resolution is in place

Thank you for allowing our firm the opportunity to respond to *** *** inquiry filed with the Revdex.com on May 19, According to her inquiry, after obtaining our firm's name from our client, she attempted to contact us twice, but did not receive a return call or emailShe
states that we "claim we are collecting on an old debt", that the balance due includes "thousands of dollars in interest" and that our firm refuses to settle for less than the full amount she owesMs*** asks for an explanation of the current balance due and that we agree to a settlementShe further states that we can either communicate with her via- e-mail, or cease all contact with her.In reply to Ms*** inquiry, our office has conducted an investigation of the issues raised thereinOur records reflect that Ms*** was issued a loan through *** *** in the amount of $9,on October 15, at the contractual interest rate of 29.75% per annumSeveral payments were made, however Ms*** defaulted on the loan in early Interest did accrue on the loan pursuant to the terms of the contract, but ceased accruing at the time the amount was closed due to non-payment on July 31, The balance due at the time the account closed was $10,240.70.Our client, *** ***, LLC, purchased the subject account on or about August 31, In an effort to recover the outstanding balance, the account was placed with our officeAn initial collection letter sent to Ms*** on November 2, Ms*** returned the letter to our office on or about December 6, Ms*** returned the letter to our office on or about December 6, along with a handwritten note stating she received the mail we sent but she did not reside at that address; and further requesting contact regarding a proposed payment arrangement via e-mailUnfortunately, as it is not the policy of this firm to negotiate via e-mail, we were unable to meet her request.As no payments were received on the account, a lawsuit was filed on March 13, A filing fee on $was added to the balance, resulting in the total current balance due of $10,Interest is no currently accruing on the balance.Ms*** contacted our office by phone on May 18, 2017, requesting to settle her account for less than the amount owedAs she was unwilling or unable to accept our firm's offer of a lump sum settlement, she requested a payment plan of $per monthThe account representative let her know her offer would be submitted to our client for reviewOn May 19, 2017, this firm received a written request for verification of Ms*** debt, and on May 22, 2017, this firm received the inquiry filed with the Revdex.comA letter verifying Ms*** debt and providing supporting documentation was provided to Ms*** on May 30, 2017.We appreciate Ms*** inquiry and the opportunity to assist herWe invite her to contact our office at anytime if she wishes to discuss her accountOur toll-free number is provided aboveAs previously stated, it is not the policy of this firm to conduct negotiations via e-mailHowever, we would welcome the opportunity to speak to Ms*** and discuss the options available to resolve her outstanding debt.I trust the above-information adequately addresses Ms*** inquiryIf, however, she requires any additional information or has any additional questions or concerns, she should not hesitate to contact our officeThis firm is a debt collector attempting to collect a debtAny information obtained will be used for that purposeCalls may be monitored and are recorded for quality assurance.Very truly yours,Nelson & Kennard

I am rejecting this response because:the statute of limitations has passed on this debtIt is

Ms. [redacted] concerns have been addressed in the attached letter, mailed to Ms. [redacted] Monday, November 16.  We invite Ms. [redacted] to contact our office with any questions or additional information and look forward to resolving this issue.