Patenaude & Felix APC

Our office is in receipt of your letter in reference to a complaint raised by [redacted] This refers to a collection case for [redacted] Bank NAThis was a claim for a delinquent balance owed on a credit card issued to Ms [redacted] .Our file was opened in October at the request of [redacted] BankWe attempted to resolve the account by our initial demand letter and follow up phone calls to Ms [redacted] .When no arrangements were made to resolve the account amicably, a lawsuit was filedMs [redacted] was served with a Summons and Complaint on November 25, Our office received correspondence from Ms [redacted] on December 12, in which she discussed her personal circumstances and she conveyed the same settlement offer that had previously been rejected by our clientWe provided the Court with copies of her correspondence in our Motion for Default and Default Judgment, and the Court agreed that it was neither an appearance nor an answer to the ComplaintJudgment was entered against Ms [redacted] on February 9, [redacted] Bank has assigned this account to another attorney, see attached Substitution of AttorneyAccordingly Patenaude & Felix is no longer able to discuss options to resolve the matter.Please feel free to call me at 800-832-extension to discuss further any remaining questionsThank you.PATENUADE & FELIX, A.P.C[redacted] , ESQ

Our office is in receipt of your letter in reference to a complaint raised by *** *** This refers to a collection case for *** *** *** (USA) NAThis was a claim for a delinquent balance owed on a credit card issued to *** * ***, now known as *** ***Our file was opened in
January at the request of *** *** *** We attempted to resolve the account by our initial demand letter and follow up phone callsNow Ms*** asks that calls cease and we will honor that requestAt no time have we harassed Ms***When no arrangements were made to resolve the account amicably, a lawsuit was filed in Tulare County Superior CourtUltimately a judgment was entered against Ms***Eventually an agreement was reached to settle the debt for an amount to be paid in two installmentsThe first payment was made but the second payment was not made thus leaving a remaining balance dueOur calls to Ms*** were made in an effort to communicate about options to clear up the remaining balance.If Ms*** wishes to discuss this further she can contact me directlyEfforts to resolve these matters amicably are always encouraged as the parties to these disputes may be able to avoid any further litigation of these claims.Please feel free to call me at 800-832-extension *** to discuss further any remaining questionsThank you.PATENAUDE & FELIX, A.P.C

How is it that it accrued interest after it was fully paid off? I have proof from my job that it was paid off in full and send it into to the company and they never got back to meIt makes no sense that now I have occurred interest
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

April 5, 2017                                           ...⇄ Via U.S. Mail                                         ...⇄ [redacted] Revdex.com of San Diego, Orange & Imperial Counties 5050 Murphy Canyon Road Suite 110 San Diego CA 92**3               RE:     Our File # **-[redacted]                         ID#            [redacted]                         Dear [redacted]:               Our office is in receipt of two communications from the Revdex.com (“Revdex.com”) sent on March 20, 2017, and April 3, 2017, with an identification number of [redacted].  Per the requirements of the Revdex.com, the consumer’s name will be withheld from this letter.  This dispute refers to a collection action filed on behalf of our client, [redacted] Loan Trust 2007-1. The file was placed in our office for collections on March 2, 20**. We attempted to resolve the account by our initial demand letter and follow up phone calls.   On May 15, 2015, our office filed a lawsuit on behalf of our client in the Superior Court of California for the County of Los Angeles. A copy of the complaint and summons were served on June **, 20**. On or about September 18, 20**, our office obtained a judgment in the amount of $8,170.49.  The judgment accrued statutory post-judgment interest of 10%.   With a judgment, our office elected to use post-judgment collection remedies.  Specifically, our office elected to use a wage garnishment to collect on the judgment balance.  To date, our office has received $9,489.36 in collection efforts. On May 11, 2016, our office received the last garnishment payment in the amount of $242.69.  This payment lowered the judgment balance from $1,628.62 to $1,385.93.  We have not received any additional payments since May 11, 2016.  At this time, there is a remaining balance of $1,385.93. Therefore, there is still an outstanding balance on this account.  Our office disagrees that this account has been paid in full.   Please feel free to call me at 858-244-7684 to discuss further any remaining questions. Thank you.                                           ...⇄ Very truly yours,                                         ...⇄ PATENAUDE & FELIX   [redacted] W. [redacted] , [redacted]. Tell us why here...

Our office is in receipt of your letter in reference to a complaint raised by [redacted]. This refers to a collection case for [redacted] Bank NA. This was a claim for a delinquent balance owed on a credit card issued to Ms. [redacted].Our file was opened in October 2014 at the request of...

[redacted] Bank. We attempted to resolve the account by our initial demand letter and follow up phone calls to Ms. [redacted].When no arrangements were made to resolve the account amicably, a lawsuit was filed. Ms. [redacted] was served with a Summons and Complaint on November 25, 2014. Our office received correspondence from Ms. [redacted] on December 12, 2014 in which she discussed her personal circumstances and she conveyed the same settlement offer that had previously been rejected by our client. We provided the Court with copies of her correspondence in our Motion for Default and Default Judgment, and the Court agreed that it was neither an appearance nor an answer to the Complaint. Judgment was entered against Ms. [redacted] on February 9, 2015.[redacted] Bank has assigned this account to another attorney, see attached Substitution of Attorney. Accordingly Patenaude & Felix is no longer able to discuss options to resolve the matter.Please feel free to call me at 800-832-7675 extension 7688 to discuss further any remaining questions. Thank you.PATENUADE & FELIX, A.P.C.[redacted], ESQ.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

March 29, 2017  ...

                                        ...⇄ Via U.S. Mail                                         ...⇄ [redacted] Revdex.com of San Diego, Orange & Imperial Counties 5050 Murphy Canyon Road Suite 110 San Diego CA 92**3                 RE:     Our File # **-[redacted]                         ID#            [redacted]                         Dear [redacted]:               Our office is in receipt of a communication from the Revdex.com (“Revdex.com”) sent on March 20, 2017, with an identification number of [redacted].  Per the requirements of the Revdex.com, the consumer’s name will be withheld from this letter.  This dispute refers to a collection action filed on behalf of our client, [redacted] Loan Trust 2007-1. The file was placed in our office for collections on March 2, 20**. We attempted to resolve the account by our initial demand letter and follow up phone calls.   On May 15, 2015, our office filed a lawsuit on behalf of our client in the Superior Court of California for the County of Los Angeles. A copy of the complaint and summons were served on June **, 20**. On or about September 18, 20**, our office obtained a judgment in the amount of $8,170.49.  The judgment accrued statutory post-judgment interest of 10%.   With a judgment, our office elected to use post-judgment collection remedies.  Specifically, our office elected to use a wage garnishment to collect on the judgment balance.  To date, our office has received $9,489.36 in post-judgment collection efforts.  With interest still accruing, there is a remaining balance of $1,385.93. Therefore, there is still an outstanding balance on this account.  Our office disagrees that this account has been paid in full.   Please feel free to call me at 858-244-7684 to discuss further any remaining questions. Thank you.                                           ...⇄ Very truly yours,                                         ...⇄ PATENAUDE & FELIX   [redacted] W. [redacted] , [redacted]. Tell us why here...

June 29, 20**  ...

                                        ...⇄ Via U.S. Mail                                         ...⇄ [redacted] Revdex.com of San Diego, Orange & Imperial Counties 5050 Murphy Canyon Road Suite 110 San Diego CA 92123                 RE:     Our File # **-[redacted]                         ID#            [redacted]                         Dear [redacted]:               Our office is in receipt of a communication from the Revdex.com (“Revdex.com”) sent on June 22, 20**, with an identification number of [redacted].  Per the requirements of the Revdex.com, the consumer’s name will be withheld from this letter.  This dispute refers to a collection action filed on behalf of our client, [redacted]. The file was placed in our office for collections on June 13, 20**. Our office sent an initial demand letter on June 15, 20**.  We received the attached Revdex.com complaint on June 21, 20**.               Per the allegations in the complaint, the consumer requests no further contact from our office.  Our office has noted this requested and will direct any necessary communications to the consumer’s attorney of record (attorney information was provided in the Revdex.com complaint).    Please feel free to call me at 858-244-7684 to discuss further any remaining questions. Thank you.                                           ...⇄ Very truly yours,                                         ...⇄ PATENAUDE & FELIX   [redacted] W. [redacted] , ESQ. Tell us why here...

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.There has been no confirmation of any debt owed. They have provided no information in writing or otherwise to me other than a letter I received after filing this complaint that wrongfully and deceitfully states that I have confirmed any information with them. There have been no documents received from the courthouse and no payments not payment arrangements ever discussed. Furthermore, the repetitive calls from this agency and false representation of information constitutes harassment by them. Further more, if a file was opened in 2007, they are beyond their statute of limitation for collection as I have made no payments, not received any details of the amount due or payment arrangements neither I writing nor otherwise. Furthermore, they did not appear as an account of issue when I purchased my home. I am requesting that they cease all communication and threat immediately otherwise they may communicate directly with an attorney. 
Regards,
[redacted]