Consumer complaint received 2020-01-28
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I would like to file a complaint against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, as this company has violated the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 2 ) ( a  ) " The false representation of - the character, amount, or legal status of any debt. '' The last written affirmation of this debt and attempt to collect payment was made on XX/XX/XXXX by representative XXXX XXXX via USPS mail. The company also attempted to contact via phone multiple times during all hours of the day, including calling my familys landline phone without mine or their consent, with the most recent verbal contact via voicemail on XX/XX/XXXX. In early XX/XX/XXXX, I was contacted by Patenaude & Felix , A.P.C., regarding an outstanding debt with XXXX XXXX Credit Card Company that occurred in XX/XX/XXXX. Communication was written form, as well as verbal communication via phone at all hours of the day and night. I was repeatedly contacted and left threatening voicemails on my cell phone advising that I owed this debt and needed to make payment arrangements with Patenaude & Felix to pay the  balance of {$3200.00}. I was also threatened by one of their representatives via an anonymous number on my cell phone at XXXX PST on XX/XX/XXXX stating I needed to be at my residence within an hour so that they could serve me paperwork to which I needed to show two forms of ID and sign. If I was not present at the address, they would view it as being non compliant and seek law enforcement officials or go to my familys house or personal contacts on file in an attempt to locate me. However, upon consulting with a credit monitoring company, I was provided with a copy of my XXXX Credit report, which reflects that XXXX XXXX reported that this debt was charged off and taken off my credit report in XX/XX/XXXX. According to the California State Attorney General, the statute of limitations to collect upon a debt in the state of California ( to which I reside in ) is 4 years. Upon further review of this same credit report, Experian reports that Patenaude & Felix, A.P.C unlawfully accessed my XXXX credit report in XX/XX/XXXX and in XX/XX/XXXX without my consent, making it evident that Patenaude & Felix, A.P.C was aware that this debt had been reported by XXXX XXXX as being charged off and taken off of my credit report after the 7 year limit. Patenaude & Felix is fraudulently misrepresenting the status of the debt, in an effort to obtain payment and collect further personal and financial information. In using the internet to research this company, I found many incidents of complaints, due to unethical collection tactics, fraudulent misrepresentation, and harassing customers. I have continually rejected all of their attempts at communications with me. I have provided evidence that they have violated my consumer rights and I will consider all further communications from them and further attempts to access my credit report a form of harassment.

Company response to consumer: Closed with explanation