Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques
State: CA

Complaint narrative:
This is a general timeline of the events that took place between : XXXX XXXX XXXX : and Hunt & Henriques Law Firm Associates. 

1 ) On XX/XX/XXXX, a letter addressed to XXXX XXXX XXXX was sent to XXXX XXXX XXXX XXXX, XXXX CA XXXX stating the entity aforementioned had defaulted on a XXXX XXXX account ending in XXXX for the total sum of {$21000.00}, with the XXXX XXXX XXXX wet-ink signature on it. 
2 ) On XX/XX/XXXX I sent a Debt Validation extensive letter addressed to XXXX XXXX. There was no response from her nor any other Esquire at Hunt & Henriques. 

3 ) On XX/XX/XXXX, XXXX XXXX sent me a package with a cover letter, stating that enclosed find the following account documents : 1. Account Statements. Her response to my specific and detailed debt validation request was incomplete, therefore : 4 ) on XX/XX/XXXX, I sent a Notice of Fault addressed to XXXX XXXX, stating that she, or anyone at Hunt & Henriques Law Firm, had been able to validate the alleged debt, therefore they have harmed and injured the person XXXX XXXX XXXX, with fees for the harms and injuries. 

5 ) On XX/XX/XXXX, I received a letter from XXXX XXXX stating that Hunt & Henriques and XXXX XXXX. are in full compliance with both federal and state law and that a debtor is not authorized to request any particular documents as verification or validation of the debt. XXXX XXXX might have forgotten about 15 U.S. Code 1692g ( a ) ( 4 ) and ( 5 ). Validation of debts, which can be found on the FDCPA regulations that all Attorneys/Esquires acting as debt collectors have been operating under since 1982. 

6 ) On XX/XX/XXXX, I sent a Notice of Default to XXXX XXXX stating that she, or anyone at Hunt & Henriques Law Firm, had been able to validate the alleged debt, therefore they have harmed and injured the person XXXX XXXX XXXX, with fees for the harms and injuries. I did not receive a response to this particular Notice from XXXX XXXX nor any Esquire at Hunt & Henriques. 

7 ) On XX/XX/XXXX I sent a Notice of Cease and Desist addressed to XXXX XXXX, reiterating the fact that this alleged debt had not been verified. 

8 ) On XX/XX/XXXX XXXX XXXX sent me a letter stating : Dear XXXX XXXX, Your recent inquiry has been forwarded to me for response. Please be advised that this account has been closed in our office on XX/XX/XXXX. If you have any further questions, please contact XXXX at XXXX ( XXXX ) XXXX. To me it was clear that Hunt & Henriques Law Firm and XXXX XXXX were not able to validate this alleged debt, and that they had ceased and desist their collection attempts against the entity XXXX XXXX XXXX. 

9 ) Eight ( 8 ) months passed and surprisingly, on XX/XX/XXXX I received a letter addressed to XXXX XXXX XXXX at the address aforementioned, stating that our firm intends to file suit against you on behalf of our client XXXX, XXXX, issuer of your XXXX XXXX account. Signed by XXXX XXXX with wet-ink, Esquire at Hunt & Henriques. 

10 ) On XX/XX/XXXX I received a letter from XXXX XXXX, an Esquire at Hunt & Henriques, with her wet-ink signature, with the alleged debts account statements, terms and conditions and application copy. 

11 ) On XX/XX/XXXX I sent a letter to XXXX XXXX with a second notice of Cease and Desist as Hunt & Henriques Law Firms Esquires had not been able to validate the alleged debt as I requested, and conforming to FDCPA rules. The letter included a complete request to validate the alleged debt and a copy of XXXX XXXX letter stating this debt collection account had been closed on Hunt & Henriques books. I received no response from Esquire XXXX XXXX via mail. 

12 ) On XX/XX/XXXX I received a letter from XXXX XXXX, an Esquire at Hunt & Henriques, with his wet-in signature, stating he was in possession of all of my notices addressed to Hunt & Henriques Esquires, calling my notices/letters gibberish and gobbledygook, and mentioning due process of law. Theres no due process of law when an alleged debt is not validated by the debt collector pursuant to USC 15, 1692 ( g ) ( a ) ( 4 ) and ( 5 ), Uniform Commercial Code 3 Section 308, Uniform Commercial Code UCC 3 Section 305 ( c ) and 18 USC 241 and 242 Crimes and Criminal Procedure. 

13 ) On or about XX/XX/XXXX, I sent a third and final Notice of Cease and Desist addressed to XXXX XXXX, carbon copying the XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, stating, among many other things, that : they have submitted and filed a bogus and fraudulent claim and are liable to XXXX XXXX XXXX XXXX under section 813 2 ( A ) and 813 2 ( B ) ( ii ) of {$500000.00} dollars or 1 % of the net worth of XXXX    XXXX XXXX and XXXX and HUNT & HENRIQUES by the fines imposed under of FDCPA regulations and under 15 U.S. Code 1692k. Civil liability. See California court case Fausto et al v. Credigy Services Corporation et al Case 5:07-cv-05658-JW as an example of how the law is applied for debt collectors who violate consumers rights. Moreover, pursuant to FDIC Consumer Compliance Examination Manual latest edition, you may choose to ignore this Notice ( as  XXXX XXXX said he would ), you may choose to continue to debate this unverified and fraudulent debt collection act, and you may choose to not respond to this Notice, but you are hereby warned that : Mailed notices from the consumer are official when they are received by the debt collector. 

This was my final letter/notice to XXXX XXXX an all Esquires involved and not involved in this claim at Hunt & Henriques.

14 ) After almost one ( 1 ) year of harassment by this debt collection Law Firm, I was left with no choice but to report them to the Agents at the IRS, FTC, DOJ, CFPB, the Legislative Office of the State of California, the Secretary of State and State of California BAR Association.

I have all originals that I sent to the Esquires at Hunt & Henriques, and I have all of their originals sent to me.

I am writing this letter in chronological order to let you know the harm, stress, duress, coercion, intimidation and domestic terrorism actions that several Esquires at Hunt & Henriques have caused to me, :  XXXX : XXXX :. I request your due diligence to investigate this matter at your earliest convenience and to take appropriate measures to address this matter with Hunt & Henriques Law Firms Esquires. They must, by several laws presented to them on my third and last Notice of Cease and Desist addressed to Mr. XXXX, stop this alleged and unverified debt collection attempt and to have the alleged Califor

nia Court case XXXX dismissed with prejudice. I can be reached via mail only at the address lis
ted above. Please indicate the office that is sending a response to me in regards to this complaint, a complete name and agent number, phone, address and email address as well.

Thank you for your attention to this very important matter.

Company response to consumer: Closed with explanation