- Report: #783308
Report - Rebuttal - Arbitrate
Complaint Review: Law Offices of Patenaude & Felix A.P.C.
Law Offices of Patenaude & Felix A.P.C.4545 Murphy Canyon Road San Diego, California United States of America
Law Offices of Patenaude & Felix A.P.C. Michael Kahn Placed bank accounts on hold, Harrassment, filed unknown judgment, San Diego, California
*Consumer Suggestion: Attorney General
*Author of original report: Thank You
*Consumer Suggestion: Payoff Debt But You Still Owe
*Consumer Comment: Agree
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In September 2009 the company I hired for the debt repair skipped town, with my $ I was paying them monthly for my debt repair and also a loan mod. I worte a letter to Target and Patenaude & Felix explaining what had happened and promised to get the Target Credit Card past due balance paid up to date and as well as paid off and closed. [continued below]....
In February 2010 I was served a summons from Patenaude & Felix for Target. On the same day I went into a Target store and paid my balance due in full and closed the account. Target assured me they would be notifying Patenaude & Felix as well as the credit bureaus.I have in writing that this action was performed. I then faxed over to Patenaude & Felix proof of my payment and to stop the summons. Once again I started receiving immediate harrassing phone calls from Patenaude & Felix telling me that I now owe THEM and Target money and they were furious I had paid Target directly. After about 1 month the phone calls stopped. I assumed the case is closed.
2 years later-Tuesday September 27th, 2011, while grocery shopping, my debt card stopped working. I call my bank, CHASE, and they tell me that Patenaude & Felix have placed a LEGAL HOLD on my account and not just for the amount Patenaude & Felix CLAIMS I still owe Target but all of my assets, including my minor children's savings accounts!!!! I call Patenaude & Felix asking what in the world is going on and they tell me they had to get my attention and so they placed a legal hold on my bank. I had absolutely no idea there was a judgment against me, I thought this had been resolved 2 years ago. I had satisfied my debt. End of case! Told me they would remove the hold once I Western Union them the amount they claim I still owe Target. I proceeded to ask how they thought I could get the money for this payment if they are holding every cent I own? P & F says to me in exact words "That is not my problem, you should have thought of that before." Telling me if I don't get the money to them now they will hold all funds for 45 days. They refused to give me the time to explain what had transpired 2 years ago and how I had satisfied my debt. They didn't want to hear that I didn't owe them any money and had proof the debt was paid in full. They hung up on me!
This collection agency is ripping me off and harrassing me. They are using oppresive methods by putting legal holds on bank accounts and violating section 808 of the Fair Debt Collections Act.
This report was posted on Ripoff Report on 09/30/2011 10:50 AM and is a permanent record located here: http://www.ripoffreport.com/r/Law-Offices-of-Patenaude-Felix-APC/San-Diego-California-92123/Law-Offices-of-Patenaude-Felix-APC-Michael-Kahn-Placed-bank-accounts-on-hold-Harrass-783308. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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