Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
The Law Office of Patenaude & Felix has been engaging in some unfair practices of illegally charging and trying to collect on interest and fees that are not entitled to them. The original creditor, XXXX XXXX, closed the consumer credit account ending XXXX in XX/XX/XXXX with the balance of {$3200.00}. Patenaude & Felix issued a judgement to collect {$3400.00} on XX/XX/XXXX. In account of the court fees of {$180.00} XXXX documentation can be provided XXXX, that total should equal {$3300.00} and NOT {$3400.00}. In status quo, the account is now at {$3600.00} XXXX {$230.00} more than what is originally stated including court fees ).

Also, because the judgement is reaching its 4-year mark, according to Nevada law ( NRS 11.190 ( 2 ) ), the statute of limitations ceases Patenaude & Felix to continue to try to collect on this debt.

And, due to me no longer living in the state of Nevada, Patenaude & Felix is considered to be outside of their jurisdiction to try to continue to collect on this debt. This company refuses to close my account and send it back to the original creditor so that I can take care of this account accordingly. All I ask is that the firm legally abides by state law and releases the collection account back to the original creditor. 


Heres my story : I spoke with a Credit Specialist by the name of XXXX XXXX around XXXX XXXX. central time on XX/XX/XXXX, XXXX Company, Patenaude & Felix, XXXX XXXX, NV location ) in an attempt to start a payment plan on my account. I told XXXX that I did not want to pay the unreasonable amount of {$3600.00}, when my account originally defaulted on a total of {$2700.00}. He insisted that I can pay {$2900.00} if I set a payment amount of $ XXXX month for a year ( which is unaffordable for my current situation ). So, I politely declined. Then XXXX set up for making a monthly payment of $ XXXX month for 48 months until the full amount of {$3600.00} was paid off ( in which I made no payment as of now ), as goes beyond the original loan I defaulted on ( {$2700.00} ). This company wants me to pay almost {$900.00} more than what was owed to the original creditor. Also, this company sued me for the amount back in XXXX, nearly 4 years ago, and now that I reside in another state, they are actually NO longer able to collect from me due to my location being out of their jurisdiction. I was told by another representative by the name of XXXX XXXX when I called back XXXX that because this was out of their jurisdiction, that she would have to close the account and send it back to the original creditor XXXX XXXX XXXX ). I agreed for her to do that and shockingly she got very upset stating that she wouldn't close the account. She tried to convince me that the defaulted judgement this company has sued me for was not going to go away and that the debt would only be sent to another collection agency and that I should just go ahead and pay them anyway. I resisted and it made her even more upset. After that I ended the call. This law firm simply needs to be investigated because charging outrageous fees and having debt collectors act so viciously is unacceptable. 

Today, XX/XX/XXXX, I spoke with XXXX XXXX and a supervisor by the name of XXXX and now they are stating that they CAN NOT close my account and send it back to XXXX  XXXX after confirming that, yes they can not collect from me due to jurisdiction limitations. I called XXXX XXXX, my original creditor, and they are telling me that Patenaude & Felix can definitely close my account and send it back to them. Sounds like a scam is going on. 

Company Information : Patenaude & Felix APC XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX XXXX

Company response to consumer: Closed with explanation