Nelson & Kennard

Thank you for allowing our firm the opportunity to respond to [redacted] inquiry filed with the Revdex.com on May 19, 2017. 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 email. She...

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 owes. Ms. [redacted] asks for an explanation of the current balance due and that we agree to a settlement. She further states that we can either communicate with her via- e-mail, or cease all contact with her.In reply to Ms. [redacted] inquiry, our office has conducted an investigation of the issues raised therein. Our records reflect that Ms. [redacted] was issued a loan through Lending Club in the amount of $9,500.00 on October 15, 2014 at the contractual interest rate of 29.75% per annum. Several payments were made, however Ms. [redacted] defaulted on the loan in early 2015. 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, 2015. The balance due at the time the account closed was $10,240.70.Our client, [redacted], LLC, purchased the subject account on or about August 31, 2015. In an effort to recover the outstanding balance, the account was placed with our office. An initial collection letter sent to Ms. [redacted] on November 2, 2016. Ms. [redacted] returned the letter to our office on or about December 6, 2016. Ms. [redacted] returned the letter to our office on or about December 6, 2016 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-mail. Unfortunately, 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, 2017. A filing fee on $370.00 was added to the balance, resulting in the total current balance due of $10,610.73. Interest is no currently accruing on the balance.Ms. [redacted] contacted our office by phone on May 18, 2017, requesting to settle her account for less than the amount owed. As she was unwilling or unable to accept our firm's offer of a lump sum settlement, she requested a payment plan of $100.00 per month. The account representative let her know her offer would be submitted to our client for review. On May 19, 2017, this firm received a written request for verification of Ms. [redacted] debt, and on May 22, 2017, this firm received the inquiry filed with the Revdex.com. A letter verifying Ms. [redacted] debt and providing supporting documentation was provided to Ms. [redacted] on May 30, 2017.We appreciate Ms. [redacted] 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. As previously stated, it is not the policy of this firm to conduct negotiations via e-mail. However, we would welcome the opportunity to speak to Ms. [redacted] and discuss the options available to resolve her outstanding debt.I trust the above-information adequately addresses Ms. [redacted] 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.Very truly yours,Nelson & Kennard

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 April 20, 2015. According to your inquiry, Mr. [redacted] contends that our firm is wrongfully garnishing his wages and requests that we close the file in our office.Our office has conducted an extensive investigation of the issues raised therein and responds accordingly. Our records confirm that the Judgement against Mr. [redacted] is valid and that the statute of limitations did not expire prior to suit or entry of that judgement. The Judgement was awarded on June 27, 2005 and is valid for ten years, at which time it can be renewed under Oregon law. The Judgement was entered for the amount of $10,241.06, which included the principal amount of $5,557.00 along with prejudgment interest and prevailing party fees awarded by the court. After the accumulation of post-judgement interest, the current balances is $34,809.09.According to our records, Mr. [redacted] was personally served with the summons and complaint and received documentation regarding the Judgement at the address which was, at that time, his last known address. Mr. [redacted]'s claim that he is not legally responsible for this debt is incorrect, as Mr. [redacted] signed the contract and a Judgement at the address which was, at the time, his last known address. Mr. [redacted]'s claim that he is not legally responsible for this debt is incorrect, as Mr. [redacted] signed the contract and a Judgement was awarded against him. Any arrangement made between Mr. [redacted] and his ex-spouse is a personal one and has no bearing over his legal responsibility for this debt.Overall, Mr. [redacted] is legally responsible for the amount due and owing specified above. I trust the above-information adequately addresses your inquiry. If, however, you require 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 & KENNARD[redacted]Attorney at Law

Review: This company has been harassing me for years. I had a lemon car that was sold to me that eventually was repossessed, after I had tried everything under the sun to have it repaired. I refused to continue to pay for a car that was not functional. [redacted] was calling every day and eventually offered to allow me to trade the car in. I spent an entire afternoon at a dealership where they failed to follow through on their offer. The car was repossessed in 2005.

Once it was sold at auction there was a balance that I was responsible for. That was paid in full in 2010. I just received a Memorandum of Costs After Judgment, Acknowledgment of Credit and Declaration of Accrued Interest for the amount of $148. I don't owe this amount because the entire amount was paid in full YEARS ago. This is unbelievable. I need this reversed and taken off my credit IMMEDIATELY.Desired Settlement: I need this judgment reversed or eliminated.

Business

Response:

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'm notifying you about a major issue with Nelson and Kennard this Law Firm clearly needs to investigated for fraud I received a judge and garnishment due to take place on 04/17/15 for a credit card I had obtain back in the late 90"s. They have been a thorn in my side every since they keep changing the loan and updating it to reflect it being a new loan back in 2007 they froze my account while I was not working and took all of what I had now they still coming after me 13 plus years later meanwhile the statue of limitations has ran out well over time allotted. Why are they still in business??? They go before the judge and LIE about the Judgement by altering their documents they are suing me for 7,000.00 for a loan that was only worth 1,000.00 to 1,500.00. They already taking 600.00 from me even after the 6years. These people clearly needs to be investigated now. I have tried to contact them with no success the at 916) 920-2295 repeatedly it goes to a busy signal and then it hangs up no voicemail to leave a message and this is a BUSINESS....If you are reading this my number is ###-###-#### we can all get together and file a group law suit against them... By the way I don't remember the original debt to which Iam owed I have no agreement with these people.

Review: This company is trying to garnish my wages for a debt that is past the legal statute of limitations in my state. They are trying to garnish me for over $30,000 and state that the original amount of debt was under $5,000! I never received any kind of judgment or any other LEGAL document regarding this matter. The original debt was CLOSED in 2005. I was never legally responsible to pay for this debt as it was legally my Ex-Wife's responsibility to pay for it. They are illegally harassing me and trying to garnish wages for something that is not my debt.Desired Settlement: I want them to close this. It is NOT my debt and is past the statute of limitations for collecting on a debt in my state.

Business

Response:

Please allow our firm an extension of one week for our response to this complaint. Our office has no record of receiving electronic notification of this complaint and only became aware of the issue when we received the hard copy via mail today, May 7. Thank you.

Business

Response:

Thank you for allowing our firm the opportunity to respond to Mr. [redacted]'s complaint, which was submitted on April 20, 2015. According to your inquiry, Mr. [redacted] contends that our firm is wrongfully garnishing his wages and requests that we close the file in our office.Our office has conducted an extensive investigation of the issues raised therein and responds accordingly. Our records confirm that the Judgement against Mr. [redacted] is valid and that the statute of limitations did not expire prior to suit or entry of that judgement. The Judgement was awarded on June 27, 2005 and is valid for ten years, at which time it can be renewed under Oregon law. The Judgement was entered for the amount of $10,241.06, which included the principal amount of $5,557.00 along with prejudgment interest and prevailing party fees awarded by the court. After the accumulation of post-judgement interest, the current balances is $34,809.09.According to our records, Mr. [redacted] was personally served with the summons and complaint and received documentation regarding the Judgement at the address which was, at that time, his last known address. Mr. [redacted]'s claim that he is not legally responsible for this debt is incorrect, as Mr. [redacted] signed the contract and a Judgement at the address which was, at the time, his last known address. Mr. [redacted]'s claim that he is not legally responsible for this debt is incorrect, as Mr. [redacted] signed the contract and a Judgement was awarded against him. Any arrangement made between Mr. [redacted] and his ex-spouse is a personal one and has no bearing over his legal responsibility for this debt.Overall, Mr. [redacted] is legally responsible for the amount due and owing specified above. I trust the above-information adequately addresses your inquiry. If, however, you require 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 & KENNARD[redacted]Attorney at Law

Review: After assistance from the Consumer Financial Protection Board, I received a letter from the Company (Nelson & Kennard), dated March 5, 2015. In that letter, the Company stated that it would release/cancel a garnishment that it wrongly placed through my employer. Since that time, I have contacted my payroll department and even as of today, my payroll department has stated they have not yet received any request to cancel the garnishment. My correct employer is H&R Block. However, the termination notice listed an employer for which I have never heard of, nor worked for. I faxed information to Nelson & Kennard notifying them of the error and also including the specific information and instructions to include (and follow) in order to properly terminate the garnishment. When I contacted Nelson & Kennard by telephone to confirm their receipt of the fax, I was told by "[redacted]" that they never received the fax. In addition to not terminating the garnishment, I have suffered garnishments that now total $1748.10, of which Nelson & Kennard has only refunded $209.71. I have another pay date approaching and more will be wrongly garnished until Nelson & Kennard submits the correct garnishment information. The proper information and procedure needed to terminate my garnishment is listed below (according to my payroll department):The cancellation / release of my garnishment with my correct employer (H&R Block) should be faxed to :fax number 909-612-6105., to the Attention of ADP WAGE GARNISHMENTS SOLUTIONS and include the following information:my full name: the original court/garnishment case number : my social security number: my correct employer: H&R BlockDesired Settlement: I request the termination of the garnishment and refund of the money garnished through my employer.

Business

Response:

Dear Mr. [redacted]:Thank you for allowing our firm the opportunity to respond to Ms. [redacted]'s complaint, submitted on March 23, 2015. According to your inquiry, Ms. [redacted]s contends that our firm has failed to terminate the garnishment placed through her employer and refund any amounts taken from her paycheck.In reply to your inquiry, our office has conducted an investigation of the issues raised in therein. I have confirmed that we provided the levying officer with direction to release the garnishment and received confirmation from the Los Angeles County Sheriff's department that the termination had been processed and sent to Sherriff's department that the termination has been processed and sent to the employer on March 17, 2015.Additionally, all monies that were received as a result of the garnishment have been refunded to Ms. [redacted]s. As mentioned in her complaint, the amount of $209.71 was refunded to the consumer on March 5, 2015. We also sent a refund on March 23, 2015 in the amount of $343.29. Any additional funds received will be refunded by the Los Angeles County Sheriff or from Ms. [redacted]'s employer.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 your courtesy.Very truly yours,Nelson & Kennard [redacted]Attorney at Law

Consumer

Response:

I am rejecting this response because: The garnishment release order was finally received by my employer on March 27, 2015. I did receive check payment dated March 20 2015 also after filing my complaint with you. On April 27th I just received another reimbursement through my payroll. This leaves two reimbursements that I have not yet received. My payroll department informed me that I was also charged $1.50 for each garnishment. So, my final request for full reimbursement is that I be refunded the $7.50 (1.50 *5 garnishments) so that I am fully reimbursed for all of the monies that were wrongly garnished from my pay.Although I have not yet been repaid any of the money garnished from my March 6th and March 20th pay dates, my payroll reimbursement yesterday April 27th makes it appear that the process has begun for me to receive them.

Review: This law firm bought a supposed old debt of mine. The original Company was Wells Fargo. I have NEVER EVER have had an account or a loan with Wells Fargo. I interviewed for a job there once, but that is all the association I have ever had with Wells Fargo. I have tried contacting them before, but they don't respond. I want them to stop telling me that I owe them money, cause I don't. They just recently send a garnishment levy to my credit union. They stole money from me that I need to survive. My husband and I, by no means, have extra money. We have a house payment, a car payment, need to eat, electricity all other utilities, etc ...They need to refund the money they stole from me.Desired Settlement: I want them to correct my credit, refund my money and stop contacting me.

Business

Response:

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.

Business

Response:

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,

Review: I was contacted by mail on April 15th of this year by the law firm of Nelson and Kennard. In the letter it was stated that they had obtained a judgment against me on behalf of their client [redacted]. They then stated that I had an outstanding judgement balance of $10,421.04.I have never received any paperwork notifying me of a lawsuit and in fact the original debt from [redacted] was by my records charged off in 2009. I had moved on August 1st of 2010 and on August 1st of 2014 so if they had served the paperwork to an old address it wasn't to me.Furthermore I just received a phone call from one of their representatives at work. I think it will go a long way if the Revdex.com contacts Nelson and Kennard and just ask some simple questions. Like "When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt?"Please help as I don't know who else to contact and really need help from your organization to resolve this dispute.Desired Settlement: To resolve this situation fairly I believe that if Nelson & Kennard have the legal right to collect only the original debt from [redacted] should be collected, not the judgment balance. There should be no interest or court fees as to the best of my knowledge this debt had been charged off.

Business

Response:

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.

Review: I recently received a wage garnishment court order from this company and I have tried to contact them and there is never a call back or answer. I never received any notices regarding this issue in the past. It is for Capital One Bank and I have contacted them regarding this and they state that I don't owe anything. I am trying to prevent the 25% wage garnishment as soon as possible. I have also looked at my Credit Report that I obtained this year and it doesn't state this amount what so ever. Please help... Thank youDesired Settlement: I feel that I don't owe anything because I have contacted Capital One Bank and they stated I don't owe.

Business

Response:

According to your client’s inquiry, Ms. [redacted] believes the account balance should be zero and she is trying to prevent a 25% wage garnishment. Ms. [redacted] also indicated that she had contacted Capital One Bank who ostensibly advised her that she did not owe any money.

In reply to your client’s inquiry, our office has conducted an investigation of the issues raised therein. Our records reflect that on January 9, 2008, a Summons and Complaint was filed to collect the balance due and owing on the Capital One account referenced above. Judgment was entered on that suit against Ms. [redacted] on April 9, 2008 in the sum of $1,621.12. No payments have posted to the account since that time. On October 16, 2014, Ms. [redacted] filed her Chapter 7 bankruptcy petition, staying i11 further collection activity against her with respect to the above-referenced. As the result of the bankruptcy petition filed by her, my office has forwarded a release of the pending wage garnishment t.o the Sheriff for processing.

We appreciate your client’s inquiry and the opportunity to assist you. We invite you to contact our office at anytime if you wish to discuss the account. Our toll-free number is provided above.

Review: First of all, they should do their research and then put an involuntary lien on my property. My name is [redacted], not [redacted]. They got the wrong person. I am not happy and very upset. The name is total different from my name and the social security. I need them to remove the involuntary lien on my propery and find the right person!!Desired Settlement: I need an apology and they need to do a better job on finding the right person before putting any liens on anybody. This is so absurd!!

Business

Response:

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.

Consumer

Response:

I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

Review: Nelson & Kennard (Riverwalk Hodlings, LTD) fraudulently put on Levy on my Bank Of Americachecking account. I was never served "writ of executions or summons." I have no credit card bills. The last credit cards I had was 1998 (16 years ago). Therefore anything is now past the statue of limitation. And at that time I lost my job and had to survive with my 2 daughters by with out a nov, I am a full time student working Part time and my two younger children are on a small fixed income. With the judgment fraudulently put on my checking out, all of my utilities are being disconnected. I have excessive over draft fees on my checking account, including legal fees charged by Bank of America. It is illegal to file a judgment on anything from 16 years ago. It is illegal and fraudulent to file a writ, when I Have not been served.The first time I saw this documents is when Bank Of America gave Me # to Sheriff Dept that gave them the fraudulent judgment to my checking account.I have research Nelson & Kennard (Riverwalk & Holdings LTD) and found excessive fraud & complaints same as my case. Someone has to stop this illegal activities from these people.All complaints I found are same as my situation.Desired Settlement: 1.Judgment Reversed from my Checking account at Bank of America2. Judgment reversed from my credit report3. Notification to Sheriff Dept 213 974 6376 reversed4. Judgement reversed at Norwalk Court5. Levy removed from My Checking account Bank Of America6.Refund legal fees charged by Bank of America caused by this fraud7. Refund money fraudulently taken out of my checking account8. Refund all overdraft fees caused by this fraudulent judgement & levy of my Bank of America checking

Business

Response:

Thank you for allowing our firm the opportunity to respond to your inquiry filed with the Revdex.com ("Revdex.com") on May 30, 2014 and received on June 16, 2014. According to your inquiry, you contend that the judgment obtained against you on August 30, 2012 was "illegal."

Review: harassment, threats and lies I am on disability for anxiety issues and on medication for depression..proof available on request..I am constantly worried that my income will be taken and I will be in the street..please admonishDesired Settlement: stop them from trying to collect my social security and SSI which is exempt from collection by a collection agency and stop them from mailing threatening mail to my addresses, any that they have knowledge and admonishment for mailing threats thereafter...

Business

Response:

Thank you for allowing our firm the opportunity to respond to your inquiry filed with the Revdex.com ("Revdex.com") on March 29, 2014. According to your inquiry, you indicate that your sole source of income is from social security and that you suffer from anxiety issues and depression.

My full review is pending until my settlement is closed and reported as cleared on my credit. However, my complaint does mirror similar reviews already submitted. What I can say is as follows:
I do not believe their client Mainstreet fully knows how this supposed "Firm" conducts themselves and while they can apologize for their Staff's (Pamela G[redacted]) indiscretions, this makes up for none of the added stress their tactics contribute to (As well as, mounting interest and fees because of their "Firm"). Furthermore, when a debtor reports they never served a subpoena and their original attempt to settle with the 'Firm" was denied, one would think they would rectify that. Obviously, Fair Credit Acts mean nothing to them and I am sure Collectors who get away with these things will continue to.
I was given details verbally on the phone 07/22/15 (From Margarita R[redacted]), of my Settlement offer that was approved on 07/21/15 and told a letter would be mailed out that specified an expiration of the agreement on 07/30/15. As of today 07/28/15, I have yet to receive a letter via mail; pretty poor that the person approving the agreement and mailing does not consider transit time of the mail(Collections Manager Maria M[redacted] demeanor was rude, as if I was unfair pointing this out. I had to take the initiative to demand a copy be faxed (Along with proof of my 1st initial payment) and scramble to get things in place to pay this off 07/27/15.
I requested an actual direct phone number for Mainstreet to followup with them directly, and was told by a Representative named Ray that he could not provide the number, but I would get a letter with instructions following this process.

My name is Greg and feel compelled to share my experience regarding the law firm Nelson and Kennard that basically operate as a debt collection operation. My situation involves a vehicle that was repossessed back in 1997. When all was said and done we recieved a bill from Ford Motor Credit for $2,000.00 still owed. We did agree to pay this amount because it was ligitimate. Unfortunately soon after I suffered a stroke, had to retire from my job and was put on SSDI. I neglected to pay this bill and several years later l was contacted by Nelson and Kennard telling me they were representing Ford motor credit and were attempting to collect a debt. The amount owed had ballooned to $5,000.00. At that point they attached my wifes wages and for the next 4 years we paid in over $5,000.00. Through out the years we repeatedly asked N & K for verification of payment but it fell on deft ears. My wife left her job for school several years ago and we heard nothing from Nelson and Kennard..........until now. On 7/25/2016 I recieved a levy notice from Nelson and Kennard. By that afternnon N & K had zeroed out my wife, my son's and my checking, savings, and credit accounts. Since we opened a bank acct.for our son when he was 17 we were co-signers on his account. Nelson and Kennard took $2,000.00 from our son, his savings for college. They took $4,000.00 from my wife's account,student loan money she just recieved for school. When I contacted these blood suckers (Nelson and Kennard) they simply told me they had no info. to give me because the "case" is open and would take 30 ton 50 days to close. They count on the fact of us not understanding the law and use it to their full financial advantage. How do Mr. Nelson and Mr. Kennard sleep at night..........probably very well since they can afford an expensive bed

Review: On September 16, 2013 I received a letter from my bank Wells Fargo informing that a bank levy was levied on my savings account ending in [redacted] for the amount of $924.45 with a bank fee of $125.00. I contacted by phone Arrow Financial Services LLC and spoke with Mr. [redacted] about the levy and was informed that a [redacted] was in debt in the amount of $7,615.30. I vehemently protested that I am NOT that person and that I am [redacted] and have never was served with the proposed levy. I told him that they went after the wrong person I provided him with a San Diego Police Report of Identity Theft #[redacted] dated Sept. 17, 2013, and that I never lived in the address on the proposed levy nor was I the correct plaintiff on the proposed levy. After repeatedly trying to contact Mr. [redacted] to make him aware of his mistake, I was rebuffed by his office without wanting to consider his firm levied the wrong person.Desired Settlement: I desire the removal bank levy on my account.Refund monies levied against my savings account in the total of $1,049.45.

Business

Response:

Thank you for forwarding Ms. [redacted] correspondence for my

review and investigation. The matter concerns an account which

originated with GE Money Bank, account no. [redacted]. The

account was later assigned to Arrow Financial Services, LLC who in

turn assigned the matter to my client, LVNV Funding LLC who is the

current owner of the account.

The account at issue was opened under the name of [redacted],

social security number [redacted]-**-[redacted]. A summons and complaint was filed

and served in [redacted] County Superior Court which resulted in the

entry of judgment on May 16, 2011. A bank garnishment ensued which

resulted in the recovery of the funds set forth in Ms. [redacted]'s

correspondence.

Ms. [redacted] has previously acknowledged to our firm that the

social security number associated with the account is accurate.

Service of process occurred at the address associated with that social

security number. Likewise, the bank garnishment executed was indexed

by Ms. [redacted] social security number also. Ms. [redacted] has now

indicated that the address information associated with the account has

never been her residence address. I am also in receipt of Ms.

[redacted] police report attesting to these facts.

In disposition of the matter, and accepting the information

provided by Ms. [redacted] as true, we have refunded the monies collected

from the bank levy in the sum of $912.45 to her together with the

bank's fee, the Sheriff's fee, and accrued interest totaling $189.83.

These sums have been forwarded directly to Ms. [redacted] under separate

cover to the [redacted] Street, [redacted], California address

provided by her. My office will also file an application with the

court to set aside and vacate the judgment and to release any judgment

liens that may have attached. My client will thereafter dismiss the

pending lawsuit and close its file back to LVNV Funding LLC with a

copy of this information provided by Ms. [redacted].

I remain concerned that incorrect address information has been

published and is associating with Ms. [redacted] social security

number. I would strongly encourage Ms. [redacted] to obtain a copy of

her credit report to ascertain that no inaccurate reporting or

unauthorized accounts exist.

I trust the above information resolves the matter. If you or Ms.

[redacted] have any further questions or concerns, please do not hesitate

to contact me directly at the extension or email address provided

below.

Review: I am paying a creditor through this firm. Approximately 2 months after I started making payments they sent me another letter stating that another of my creditors had retained them to get me to make payments. I spoke to [redacted] then yesterday to [redacted]. I stated both times I am on partial retirement social security and am working part time. I said I could pay 25 per month. [redacted] stated they had filed suit on 6/26/2015. I asked him why I had not received a notice? He said it was a gray area. (inotherwords, they did not). He said I would have to fill out a financial statement and they would present it to [redacted]. He said if I only paid 25 a month, it would take 30 years to pay it off, which is not true. My sister who has a law degree told me not to send them anything. If [redacted] will not accept my offer, I will accept that. I want Nelson and Kennard to Cease and Desist. I also want a copy of the letter showing that [redacted] hired them and that they have filed suit. I have not made any payments to [redacted] in about 5 to 7 years. I also previously sent them a letter stating to please Cease and Desist which they did not honor.Desired Settlement: I want the above items sent to me via written correspondance and to submit my answer to [redacted], and for them to only correspond with me through written correspondence. You should speak with Mr. Kennard who is a partner at this firm and sends out all the letters.

Business

Response:

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.

Consumer

Response:

I am rejecting this response because:they lied and said the client had filed a lawsuit on june 30th. I have received no correspondence from nelson and kennard showing the client hired them. It has been 4 to 7 years since I made any payments to [redacted]. I am on a fixed income and they dont care. They buy loans . I told andrew the rep I could pay 25 a month and he said it would be 30 yrs to pay the debt which is a lie. Tgey told me I had to suvmit a financial statement. NowThey say they will talk to the client. I want a reply from an attorney not a collection rep

Business

Response:

Thank you for allowing our firm the opportunity to respond to Carol A [redacted]'s inquiry filed with the Revdex.com ("Revdex.com") on August 25, 2015. According to her inquiry, it appears Ms. [redacted] 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 therein. Our records reflect that the most recent payment made toward this obligation was posted on August 30, 2011. This payment of $25.00 was made after our client, [redacted], had acquired the debt on April 7, 2009. Accordingly, as of the date of the investigation, it does not appear that the applicable statute of limitation had expired. After reviewing the matter, our client, [redacted], has requested the account be returned to them. Accordingly, the file has been closed in our office.We appreciate the inquiry and the opportunity to assist Ms. [redacted]. If she wishes to discuss this account in the future she should contact [redacted] c/o Resurgent Customer Service at [redacted]).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 or recorded for quality assurance.Very truly yours,Nelson & Kennard[redacted]Attorney at Law

Consumer

Response:

I am rejecting this response because:the statute of limitations has passed on this debt. It is 9.9.2015

Review: Dear Better Business I am filing a complaint with Urgency that this company Nelson & Kennard cease and desist and stop filing lawsuits against my bank accounts, going into my account every 4 years taking money out of my account and from and dept that has been paid for a $2,000 debt of mileage over charge to [redacted] way back in 2004. The Debt has long been settled with [redacted], and this collection agency and represented Law Firm has harassed, called me every day every and year for over 10 years now. I wish to invoke the statute of limitations on this case and they are now for the second time going into my bank accounts attempting to take 5 times the balance and taking an interest. They already collected interest 1 time. They are now attempting to collect 4 times the interest. I owed $2,000. They already collected $1,385.10 in interest. Now they are coming back 10 years later to collect more interest of $4,142. This is the second time they have levied my bank account. The last time they did this I was in the hospital I had no idea how they got into my account. Took my money and I had no way to pay my medical bills. Once again they are doing this and this is CRIMINAL AND SHOULD BE STOPPED, HUNDREDS OF LAWSUITS HAVE BEEN MADE AGAINST THEM AND YOU SHOULD BE STOPPING THIS WE ARE TAX PAYERS. AFTER 10 YEARS THEY SHOULD CLOSE THIS CASE. MY CASE HAS BEEN PAID. THEY ARE COMING BACK 10 YEARS LATER TO COLLECT INTEST. WRONG WRONG WRONG.Desired Settlement: I want this company to close my account as Paid in Full. I paid them. They took over $4000 out of my bank account, they have been filing legal charges against my hard earned money for years and have financially, emotionally, physically are causing my hardship right now today, they have levied my bank account where I can not pay my bills. In 2013 they did this. they took $3385.00 out of my account towards a $2,000 debt that was paid. It's paid, the debt is paid, CLOSE THE CASE NOW.

Business

Response:

Thank you for allowing our firm the opportunity to respond to [redacted]'s inquiry filed with the Revdex.com ("Revdex.com") on August 6, 2016. According to the inquiry, Ms. [redacted] 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 limitations. She claims that the original obligations was $2,000.00 and over $4,000.00 has been levied. Ms. [redacted] further alleges that our firm has engaged in harassing behavior, calling her every day for over ten years. She asks that further efforts to collect the outstanding balance cease and that the account be closed as paid in full. In reply to Ms. [redacted]'s inquiry, our office has conducted an investigation of the issues raised therein. Our records reflect that this account was placed with our office in May 2005 with an outstanding balance of $3,079.14. Suit was filed April 14, 2006 and judgment entered on October 19, 2006. Once entered, a judgement is valid for ten years and can be renewed thereafter. Despite several conversations with Ms. [redacted], no payment arrangement was agreed upon and no voluntary payments have been received toward satisfaction of the judgement. In an effort to enforce the judgement, our firm executed a bank levy in May 2014. Ms. [redacted] filed a claim of exemption which was denied by the court on July 31, 2014. Levied funds in the amount of $3,382.67 were applied to the then balance of $8,382.55. The current amount necessary to satisfy the judgement is $5,515.17. Interest is accruing on the balance at he legal rate of 10% per annum. Our records show that two calls were placed to Ms. [redacted] in 2014, six in 2015 and ten attempts have been made in 2016. Our review reveals no evidence of harassing behavior. 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 issues raised in Ms. [redacted]'s inquiry. If, however, you require and 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.