Esquire Cleaners

Our firm has responded to all of the consumer's concerns in our attached response. Our response has been uploaded and mailed to the Revdex.com.

Thank you for allowing our firm the opportunity to respond to [redacted] inquiry filed on March 20, 2017. According to the inquiry, Mrs....

[redacted] believes that Chase sold her account to this firm in June of 2013, just prior to a settlement with the CFPB. She states that our firm previously levied her bank account and has recently levied her account again in an effort to recover the outstanding balance. She requests that her debt be forgiven due her health condition, because Chase allegedly sold the debt just prior to a settlement with the CFPB, and because the balance resulted from using the credit card to pay her mortgage with Chase.In reply to the inquiry, our office has conducted an investigation of the issues raised therein. First, this firm does not own Mrs, [redacted] debt. We represent the assignee of the account, Cavalry SPV I, LLC, in this matter.Our records reflect that the Washington Mutual/Chase Bank credit card account was opened June 26, 2000 and was open until May 31, 2009. It was subsequently assigned to [redacted], Ltd, and was placed with our firm in December 2010. A lawsuit was filed May 15, 2012. Judgement was obtained June 14, 2013. On May 31, 2016, the judgment was assigned to Cavalry SPV I, LLC. A copy of the Acknowledgement of Assignment of Judgement is enclosed.This office has previously spoken with Mrs. [redacted] on several occasions about resolving the outstanding balance. She contacted our office on August 7, 2013, and was informed at that time that if no mutually agreeable payment arrangement was in place, our office could attempt to execute on the Judgement to satisfy the outstanding balance. Subsequently, in March 2014, our office executed a bank levy on her account at US Bank. The sum of $194.58 was garnished from the bank account and the applicable amount credited to the outstanding balance. To date, no other funds have been received from a bank levy.The Chase Bank letter included with the complaint is in reference to a different account, ending in [redacted]. The letter, dated April 26, 2016, states that Chase will no longer try to collect on accounts they still own. The account in question was sold by Chase to our client, [redacted], LTD, prior to placement with our office in 2010. As such, it was no longer owned by Chase on April 26, 2016.Notwithstanding, in deference to Mrs. [redacted] perceived complaints and in recognition of her current financial circumstances, as a courtesy to her our client has requested that the judgement against her be satisfied. To this end, a satisfaction of judgement will be prepared and filed with the court. A copy will be provided to Mrs. [redacted].I trust the above-information adequately addresses Mrs. [redacted] inquiry. If, however, you require any additional information or have any additional questions or concerns, do not hesitate to contact our office. Our toll-free number is provided above.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.Very truly yours,NELSON & KENNARD[redacted]Attorney at Law

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 signature. I tried to call several times since then but was unable to connect with Rosie who is in charge of my account. I am still looking to resolve this issue as best as we can due to the circumstances. I do keep old emails and I do show that I paid in April of 2015 and by May of 2015 the account was already sent to collection. I 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 $370 in filing fee if you did not make an attempt to come to an agreement with me??Thank you.

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, 2016.  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 3/5/15.

Thank you for all allowing our firm the opportunity to respond to [redacted]’s Revdex.com (“Revdex.com”) complaint, ID number [redacted], filed on October 19, 2015. According to Ms. [redacted]’s inquiry, she received a notification of an involuntary lien being filed against another party with a...

similar name. as this notification was delivered to her home address, Ms. [redacted] believed the lien had been filed on the property located at that address. Ms. [redacted] asked for the lien to be removed from her property and for an apology for upsetting her. In reply to Ms. [redacted]’s inquiry, our office has conducted an investigation of the issues raised therein. Our records reflect that Ms. [redacted] called out office on October 21, 2015 and spoke with a representative. Ms. [redacted] stated that she had received a notification of an involuntary lien at her home address. She then stated that her name was different than the name referenced on the notification and the last four digits of her social security number were also different from those on the document. Our representative informed Ms. [redacted] that liens are recorded as to an individual, not as to a specific property and if she is not the Defendant which judgment was obtained against the lien would not pertain to her. He then advised her that he had removed her address from our system so she would not receive any correspondence from our office moving forward. We apologize for inconvenience to Ms. [redacted] and appreciate her inquiry and the opportunity to assist her. We invite her to contact our office at any time if she has any further questions or concerns. Our toll-free number is provided above. I trust the above-information adequately addresses Ms. [redacted]’s inquiry. If, however, she requires any additional information or has any additional questions or concerns, she 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.

Dear Mr. Guerrero,Thank you for allowing our firm the opportunity to respond to [redacted] inquiry filled with The Better Business...

Bureau ("Revdex.com") on April 11th, 2018. According to Ms. [redacted] inquiry, she received a "proof of service" from our office dated February 28, 2018 that was stamped April 4, 2018. She states that she was not aware of the case going back to court. Ms. [redacted] alleges that the original service of the summons and complaint in 2011 was incorrectly sub-served and as such, she was unaware of the filled suit at that time. Additionally, she states that the "proof of service" gives a different balance due than that of a recent letter our office sent to her.In reply to Ms. [redacted] inquiry, our office has conducted an investigation of the issues raised therein. Our records reflect that her account with [redacted] was placed with our office on or about Sept 03, 2010 in an effort to recover the outstanding balance. Our office spoke to Ms. [redacted] regarding the account prior to suit being filled but as no payment agreement was reached, suit was filed on March 10, 2011. On March 28, 2011 a representative of our office had a conversation with her wherein the matter of the filled suit was discussed. Service was effected at the address where Ms. [redacted] regularly received mail on May 25, 2011 by leaving a copy with a co-resident over the age of 18. As no responding answer was filed with the courts, judgment was entered on August 24, 2011 for [redacted] with an interest rate of 10% per annum.In January 2012, Ms. [redacted] began making regular payments on the account, which continued into 2016. A new payment agreement was reached in March of 2017 with the last payment being received by our office on September 27, 2017 for 150.00, leaving a balance of 5,855.67. Most recently, she contacted our office on March 27, 2018 requesting to restart the payment arrangement for $100.00 per month, advising that she would be paying by money order. The most recent correspondence that our office mailed to Ms. [redacted] current address was a payment arrangement letter dated March 29, 2018. We have no record of mailing a " proof of service" dated February 28, 2018. At this time, there are no future court hearings scheduled, nor is our office aware of this case going back to court. We appreciate Ms. [redacted] inquiry and the opportunity to assist her in this matter. We invite her representation to contact our office at any time if they wish to discuss the account. Our toll-free number is provided above. I trust the above-information adequately addresses [redacted] A [redacted] 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.Very truly yours,Nelson & KennardAttorney At Law

Thank you for allowing our firm the opportunity to respond to [redacted]’s inquiry filed with the Revdex.com (“Revdex.com”) on September 16, 2017.  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 request. He requests an apology and reimbursement in the amount of $150.00 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, 2015.  The account was charged off on August 15, 2016 due to non-payment.  On September 4, 2016, Mr. [redacted] sent a letter to our client, offering to pay $50.00 in September 2016 and $250.00 in October 2016 “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 $50.00 was made on October 19, 2016, followed by a payment of $50.00 on November 18, 2016.  Copies of the correspondence dated September 4, 2016 and Mr. [redacted]’s proof of payment are enclosed for you reference. As 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, 2017.  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 2016.  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 file. On July 29, 2017, Mr. [redacted] responded to our letter dated July 25, 2017, stating that two payments had, in fact, been made since December 2016.  As evidence of the payments, Mr. [redacted] attached payment activity from his [redacted] account showing the payments made to our client on October 19, 2016 and November 18, 2016.  The payment activity also shows a payment for $75.00 made on July 26, 2017, which Mr. [redacted] claims is evidence of his settlement agreement with [redacted]. Copies of the above referenced letters are enclosed. In 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 firm. Copies of the above referenced correspondence are enclosed. On 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 firm. Mr. [redacted] also requests that our firm reimburse him $150.00 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 honored. It 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.

I am rejecting this response because: The attorneys states this was investigated [redacted] and the attorney's office; this is a general statement without any prove to show me or The Revdex.com. !. I never claimed I was responsible for these funds since they were deposited by criminals and were posted by [redacted] credit card by fraudulent accounts. These deposits should never have been posted to my account.  I even called after the first notice returned deposit is this fraud.  I was told by [redacted] agent they had the wrong account number.  I asked them to call the issue bank to confirm this is not fraud.  I was told she could not do that.  Did you investigate why deposits from fraudulent accounts by criminals were deposits more than 3 times to two different credits?  Why would [redacted] let those deposits get posted without verify these were valid accounts?  Why were the money posted and then made available for withdrawal and then reversed after 3 days or so?  There has to be a trail.   Did you call the issuing bank to see why these were deposited and then reversed?  What happened?  I don't know how this could have happened with a big bank like [redacted].   There has to be systems in check that should have prevented this from happening to me and [redacted].  The only think I can think of is some how these criminals hacked or found a way to bypass all the fraud safeguards or someone at [redacted] did not do their job correctly to protect me or [redacted].   Why was I not protected by [redacted] credit card department?  Please show prove and answer these questions that I have asked since I found out this [redacted] was a criminal from [redacted] checking  Fraud Department. 2.  Please note I was making my payment on time or in full prior to this criminal.  3.  Did any one contact [redacted] with [redacted] checking Fraud department who told me this is a big criminal fraud case and first notified me about [redacted] on 7/5/16 was a criminal? I did not know that Shawn was a criminal until that date.  He told me I was not responsible for any amount that was deposited to my account since this is a big fraud case and I was not the only one that was frauded by this criminal and his group. He closed my account right away.  He told me this is a big corporate fraud case.  Did any one contact [redacted] Checking corporate fraud case?   How could one area of [redacted] consider this a fraud and tell me I'm not responsible and yet the credit card department is trying to sue me for fraud case.   4.  Did anyone call the police department to check on status my fraud report on [redacted]? 5.  Did anyone call Federal Trade Commission to see my report and see if anyone else reported someone with a similar name or close to his name.  6.  This is 100% fraud and I am not responsible and I had no knowledge until [redacted] told me on 7/5/2016. Please investigate all the above and you will find the same especially by calling the [redacted] checking fraud department.   This never happened to me before and I am not getting this kind of treatment from the other two credit cards company,   This should not have gone to this extreme.  The proof is in [redacted] checking fraud department and tracing the repeated deposits that were made to the credit cards.  Thank you for your attention to this matter. Best regards, [redacted]

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 7/29.  Thank you.

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.

I am rejecting this response because:again Nelson and Kennard does not provide any documented evidence to show proof at attempts of service only that they state “the process server made several documented attempts to serve Mr. [redacted] personally, but were unsuccessful.” Where are the documents showing the attempts made by this so-called server? Name of service? Again Nelson and Kennard holds back information that is vital to their case. Why would they not rather present everything at the very beginning of this inquiry.Even prior to this service shouldn’t Nelson and Kennard already have made other attempts to work out some type of arrangement? I invite Nelson and Kennard to provide the following information:Number of attempted phone calls prior to the service?  Days?  Times?  Number of attempted phone calls after service? Days? Times?  Number of phone calls after judgement?  Days? Times?    As they state “Calls may be monitored and are recorded for quality assurance.”Number of letters mailed?  Days?  certified?Surely any “collection agency”would have this information readily available to show proof to any State or Federal agency inquiring?  Or to their client [redacted] to prove the validity of their service?

Thank you for allowing our firm the opportunity to respond to Mr. [redacted]'s complaint, which was submitted on May 27,2015. We received notification on June 13, 2015 that Mr. [redacted] had rejected our response. according 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 accordingly. according to our records, the process server made several documented attempts to serve Mr. [redacted] personally, but were unsuccessful. Mr. [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 address. This 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 valid. We 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 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.

Thank you for allowing our firm the...

opportunity to respond to [redacted]’s inquiry filed with the Revdex.com (“Revdex.com”) on October 25, 2015. According to Ms. [redacted]’s inquiry, she believes our firm purchased and obligation she owed to Wells Fargo Financial. Ms. [redacted] claims she had never opened an account with, or received a loan from, Wells Fargo. Ms. [redacted] states that our firm “stole” money from her by process of a bank levy. She 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 therein. Our records reflect that the current owner of the obligation in question is [redacted], LLC, whom our firm represents. We show that the obligation originated on March 24, 2006 with Wells Fargo Financial and was reported as delinquent on August 31 of the same year. A lawsuit was filed by our office regarding this matter on August 27, 2008. Ms. [redacted] was personally served on September 14, 2008 and a judgment was entered on November 10, 2008. 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 her. This 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 Fargo. As our firm wishes to honor the request to not contact her, we are unable to obtain the information needed to investigate this claim. If 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 possible. Once received, and investigation will be initiated. If 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 her. 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. [redacted]’s inquiry. If, however, she requires any additional information or has any additional questions or concerns, she 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 acre recorded for quality assurance.
 
Sincerely,
[redacted]

Thank you for allowing our firm the opportunity to respond to Mr.[redacted]’s complaint, which was submitted on May 27, 2015. 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 2009. Our...

office has conducted an extensive investigation of the issues raised therein and responds accordingly. According tour records, Mr. [redacted] was served via substitute service by leaving a copy of our summons and complaint with Mr. Dillon Guinn, a co-resident, and then mailing a true and correct copy of those same documents to his last known address. Further, our records reflect that the judgment amount is valid. Subsequent to serving Mr. [redacted], a judgment was awarded by the court on April 12, 2011 for the amount of $7,479.87 plus post judgment interest rate at the legal rate of 10%. Said amount included the charge-off amount of $6,368.92 along with prejudgment interest and court cost awarded by the court. After crediting $411.97 from a previous garnishment, the current balance is $10,523.14. 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 so. I trust the above-information adequately addresses your inquiry. If, however, you require any additional information or have any additional question or concerns, please do not hesitate to contact our office.

Thank you for allowing our firm the opportunity to respond to [redacted]'s inquiry filed with the Revdex.com (“Revdex.com”) on January 2, 2018.  According to her inquiry, Ms. [redacted] claims that the balance owed on her two [redacted] credit card accounts is the result of the...

fraudulent actions of a third party.  She feels that she is not responsible for the outstanding balances and asks that the lawsuit filed against her be dropped, collection efforts cease and any derogatory information be removed from her credit report.  In reply to Ms. [redacted]'s inquiry, our office has conducted an investigation of the issues raised therein.  Our records reflect that Ms. [redacted]'s [redacted] credit cards accounts, ending in [redacted] and [redacted], were opened on or about July 10, 2015 and October 6, 2015, respectively.  The last payment received on each account was made in June 2016.  Subsequently, the accounts were closed due to non-payment in February 2017.  In an effort to recover the outstanding balances, our client, [redacted], on or about July 13, 2017, placed Ms. [redacted]'s accounts with our office.  On July 27, 2017, Ms. [redacted] called our office to explain that she believes the balances owed on each of her accounts were the result of fraudulent activity.  She indicated that she had filed a police report and previously notified [redacted] about this fraudulent activity.  She then asked that our office cease and desist in any further attempts to contact her regarding her debts. After a thorough investigation, [redacted] found that Ms. [redacted] was aware of the activity on her accounts and no unauthorized transactions had occurred.  Thus, she would be responsible for the balance on the accounts.  As no payments had been received and no repayment arrangement agreed upon, a lawsuit was filed against Ms. [redacted] regarding the account ending in [redacted] on or about November 14, 2017.  Our office received a letter from Ms. [redacted] on December 18, 2017, stating she was unable to pay the outstanding balance and again alleging her fraud claim.  Ms. [redacted]'s claim was reviewed again.  It is the position of the Bank that the charges resulting in her outstanding balances occurred with her knowledge and consent.  Any dispute she may have appears to be with a third party to whom she provided the funds.  The Bank’s position remains that the current balance listed above is due and owing. We appreciate the inquiry and the opportunity to assist Ms. [redacted].  We invite her to contact our office at anytime if she wishes to discuss her accounts.  Our toll-free number is provided above. I trust the above-information adequately addresses the 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.  All calls are recorded and may be monitored for quality assurance.