Messerli and Kramer

Ms [redacted] MINNESOTA Revdex.com SRiver Ridge Cir Burnsville, Minnesota RE: [redacted] as successor in interest to Capital One Bank vs [redacted] Our File No: [redacted] Dear Ms [redacted] : Thank you for your recent correspondence on behalf of Mr [redacted] We are a law firm representing the Plaintiff, [redacted] as successor in interest to Capital One BankWe appreciate the opportunity to answer your questions regarding this matterIn response to your letter dated September 29, 2016, I reviewed Mr [redacted] ’s concerns and offer this response We recently substituted in as counsel for this matterAs a part of the process and our due diligence, we verify and review the information to make sure that our client has proper ownership, that we are pursuing the correct consumer and that the account balance is correctThe $number represents the balance of the credit card at charge off (March 30, 2009)Since that time court costs of $were approved by the court and added to the balanceJudgment was entered on December 5, 2014, in the amount of $1,Notwithstanding, if Mr [redacted] pays $by October 31, 2016, our client will satisfy its judgmentWe appreciate Mr [redacted] ’s concerns, thank him for his patience and will be working directly with him once we verify all of the information for his accountMesserli & Kramer considers consumer complaints a serious matter, and fully respects consumers’ rightsThank you for your attention to this matter Very truly yours, MESSERLI & KRAMER P.A Electronically Submitted

Initial Business Response / [redacted] (1000, 6, 2015/04/24) */ ***response has been scanned in and converted to text below (original document is available using the online complaint system) Thank you for your recent correspondence on behalf of Mr [redacted] We are a law firm representing the Plaintiff, [redacted] This matter refers to a judgment against [redacted] In response to your April 13, 2015, letter, received in our office on April 16, 2015, I reviewed Mr [redacted] concerns and offer this response Judgment was entered on April , 2008, in Waukesha County Small Claims Court in the amount of 2,The address that Mr [redacted] provided to your office is not the same as the address we have on our fileMr [redacted] has called our office on several occasions and we have told him that the information he has provided does not match the information for our consumer, Messerli & Kramer does not record liens on propertySome title companies search the courtsrecords for names similar to their customers names and require a resolution of any potential title issue such as an affirmation that the customer is not the named DefendantWe recommend that Mr [redacted] contact his title company and request such a document, Thank you for your attention to this matter

RE: [redacted] as successor in interest to GE Money Bank vs [redacted] Our File No: [redacted] Dear Ms [redacted] : Thank you for your recent correspondence on behalf of Ms***We are a law firm representing Plaintiff in the matter referenced, [redacted] ***We appreciate the opportunity to answer your questions regarding this matterIn response to the complaint filed on May 14, 2017, I reviewed Ms***’s concerns and offer this response Judgment was entered against Ms [redacted] on February 7, 2017, in the amount of $1,A non-earnings garnishment was issued on February 14, There are costs associated with issuing a garnishment and those costs were added to Ms***’s file pursuant to Minnesota Statutes section We were notified by the bank that they had $1,on holdSee attached disclosure formWe ordered a Writ of Execution from the court in order to obtain those funds from the bank which is also another cost that is added to the account balance pursuant to Minnesota Statutes section Furthermore, the judgment accrues interest pursuant to Minnesota Statutes section Ms***’s $payment was applied to her account along with the garnished funds of $1,This resulted in an over paymentMs [redacted] was issued a refund on March 27, 2017, in the amount of $The judgment was then satisfied, and a copy of the Satisfaction of Judgment was sent to Ms***No further refund is due Messerli & Kramer considers consumer complaints a serious matter, and fully respects consumers’ rightsThank you for your attention to this matterThe Revdex.com should close its file in this matter as it is under the jurisdiction of the court Very truly yours, MESSERLI & KRAMER P.A Electronically Submitted

Revdex.com Case No.: ***
Thank you for your recent correspondence on behalf of Mr***Please note that this is the first communication we have received from your officeWe are a law firm representing Plaintiff in the matter referenced, Discover BankWe appreciate the opportunity to answer
your questions regarding this matterIn response to the complaint filed, I reviewed Mr***’ concerns and offer this response
Judgment was entered against Mr*** on January 24, 2018, in the amount of $9,Mr*** did not set up a voluntary repayment arrangement, so our client pursued its remedies pursuant to Minnesota Statutes Section A Notice of Intent to Garnish was sent to Mr*** on January 30, We did not receive a response from Mr*** and an employer garnishment was issued on February 16, We received Mr***’ exemption claim on February 21, Mr*** did not supply documentation showing he received assistance dated within the last six monthsOn February 21, 2018, Mr***’ form was sent to StLouis County to confirm whether or not he received assistanceWe did not receive a response from the county confirming Mr*** received assistance until February 28, We have updated Mr***’ account with a cease and desist and will only send communication that directly relates to the legal process
This matter is properly under the court’s jurisdiction and we respectfully request that the Revdex.com close its fileMesserli & Kramer considers consumer complaints a serious matter, and fully respects consumers’ rightsThank you for your attention to this matterPlease let us know if you have any questions or need additional information
Thank you for your attention to this matter
Very truly yours,
MESSERLI & KRAMER P.A
Electronically Submitted

Initial Business Response /* (1000, 11, 2015/11/18) */
RE: Ford Motor Credit Company, LLC v. [redacted] a.k.a [redacted]
Revdex.com Case No.: [redacted]
Our File No.: [redacted]
Thank you for your recent correspondence on behalf of Ms. [redacted]. Ms. [redacted] raised concerns about collection...

efforts on the account.
We have reviewed Ms. [redacted]'s file. On May 16, 2008, Ms. [redacted] attorney requested a discounted settlement amount; however, the parties were not able to reach an agreement and the account proceeded to garnishment. No agreement exists to resolve the account for $10,000.00. Likewise, we do not have a record of receiving a complaint from the Minnesota Attorney General's Office regarding this matter. Judgment was entered against Ms. [redacted] on August 16, 2006 in the amount of $13,703.75, we have received garnishment payments totaling $10,000.00. The judgment continues to accrue interest at the judgment rate of four percent and post-judgment costs pursuant to Minnesota Statutes section 549.09. Ms. [redacted]'s file was updated with a cease and desist. She will only receive correspondence related to the legal process. We respectfully disagree with Ms. [redacted]'s assertions regarding unfair practices.
Messerli & Kramer considers consumer complaints a serious matter, and fully respects consumers' rights. Thank you for your attention to this matter. Please let us know if you have any questions or need additional information.
Very truly yours,
MESSERLI & KRAMER P.A
Electronically Submitted
Initial Consumer Rebuttal /* (3000, 13, 2015/11/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
In response to the answer from Messerli & Kramer:
1. I have retained every piece of paperwork and correspondence regarding this account.
2. I have a court document showing that Messerli & Kramer was awarded judgment to collect up to $10,000.00 to settle the amount due.
3. I have all of the paperwork regarding the Attorney General contacting Messerli & Kramer on my behalf.
4. I don't see a date that my account was updated with a cease and desist. I am requesting a copy of that in writing, on their letterhead.
5. Messerli & Kramer may disagree with my assertions regarding unfair practices, however public record is readily available showing that even the State of Minnesota (Attorney General) filed suit against them representing several individuals who have suffered their unfair, if not illegal, collection procedures. There is also an interesting newspaper article that was published in the Star Tribune regarding the targeting of the elderly and possibly less educated with misleading and threatening collection practices.
Again, I am requesting written proof of cease and desist on my account.

RE: [redacted] as successor in interest to GE Money Bank vs [redacted] Our File No: [redacted]

Dear Ms. [redacted]:
Thank you for your recent correspondence on behalf of Ms. [redacted]. We are a law firm representing Plaintiff in the matter referenced, [redacted]. We...

appreciate the opportunity to answer your questions regarding this matter. In response to the complaint filed on May 14, 2017, I reviewed Ms. [redacted]’s concerns and offer this response.
Judgment was entered against Ms. [redacted] on February 7, 2017, in the amount of $1,581.42. A non-earnings garnishment was issued on February 14, 2017. There are costs associated with issuing a garnishment and those costs were added to Ms. [redacted]’s file pursuant to Minnesota Statutes section 571.76. We were notified by the bank that they had $1,755.33 on hold. See attached disclosure form. We ordered a Writ of Execution from the court in order to obtain those funds from the bank which is also another cost that is added to the account balance pursuant to Minnesota Statutes section 550.04. Furthermore, the judgment accrues interest pursuant to Minnesota Statutes section 549.09. Ms. [redacted]’s $100.00 payment was applied to her account along with the garnished funds of $1,755.33. This resulted in an over payment. Ms. [redacted] was issued a refund on March 27, 2017, in the amount of $193.18. The judgment was then satisfied, and a copy of the Satisfaction of Judgment was sent to Ms. [redacted]. No further refund is due.

Messerli & Kramer considers consumer complaints a serious matter, and fully respects consumers’ rights. Thank you for your attention to this matter. The Revdex.com should close its file in this matter as it is under the jurisdiction of the court.
Very truly yours,
MESSERLI & KRAMER P.A.
Electronically Submitted

Ms. [redacted] MINNESOTA Revdex.com
220 S. River Ridge Cir.
Burnsville, Minnesota 55337
RE: [redacted] as successor in interest to Capital One Bank vs [redacted]
Our File No: [redacted]
Dear Ms....

[redacted]:
Thank you for your recent correspondence on behalf of Mr. [redacted]. We are a law firm representing the Plaintiff, [redacted] as successor in interest to Capital One Bank. We appreciate the opportunity to answer your questions regarding this matter. In response to your letter dated September 29, 2016, I reviewed Mr. [redacted]’s concerns and offer this response.
We recently substituted in as counsel for this matter. As a part of the process and our due diligence, we verify and review the information to make sure that our client has proper ownership, that we are pursuing the correct consumer and that the account balance is correct. The $699.76 number represents the balance of the credit card at charge off (March 30, 2009). Since that time court costs of $591.27 were approved by the court and added to the balance. Judgment was entered on December 5, 2014, in the amount of $1,291.03. Notwithstanding, if Mr. [redacted] pays $699.76 by October 31, 2016, our client will satisfy its judgment. We appreciate Mr. [redacted]’s concerns, thank him for his patience and will be working directly with him once we verify all of the information for his account. Messerli & Kramer considers consumer complaints a serious matter, and fully respects consumers’ rights. Thank you for your attention to this matter.
Very truly yours,
MESSERLI & KRAMER P.A.
Electronically Submitted

Initial Business Response /* (1000, 6, 2015/04/24) */
[redacted]response has been scanned in and converted to text below (original document is available using the online complaint system).
Thank you for your recent correspondence on behalf of Mr. [redacted]. We are a law firm representing the Plaintiff,...

[redacted]. This matter refers to a judgment against [redacted]. In response to your April 13, 2015, letter, received in our office on April 16, 2015, I reviewed Mr. [redacted]concerns and offer this response.
Judgment was entered on April , 2008, in Waukesha County Small Claims Court in the amount of 2,142.33. The address that Mr. [redacted] provided to your office is not the same as the address we have on our file. Mr. [redacted] has called our office on several occasions and we have told him that the information he has provided does not match the information for our consumer, Messerli & Kramer does not record liens on property. Some title companies search the courtsrecords for names similar to their customers names and require a resolution of any potential title issue such as an affirmation that the customer is not the named Defendant. We recommend that Mr. [redacted] contact his title company and request such a document,
Thank you for your attention to this matter.