Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
Nelson & Kennard XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX RE : Formal Demand for Validation and Documentation -Alleged XXXX XXXX XXXX  Accounts To Whom It May Concern, This letter serves as a formal demand for full validation of the alleged debt your firm is attempting to collect on behalf of XXXX XXXXXXXX XXXX XXXX I have not received sufficient documentation to verify the legal validity or enforceability of this account and am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), and other applicable laws. 

Until proper documentation is provided, no collection or litigation activity should proceed. This letter also serves as notice filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the California Department of Financial Protection and Innovation should this matter not be properly addressed. 

Before any further action is taken, I require the following : A complete copy of the original signed credit agreement or application This must include the original physical or electronic document with my authentic signature. A generic agreement or summary is not sufficient. 
A full and unbroken chain of title and assignment If the account has been sold, transferred, or assigned at any point, provide every bill of sale, transfer record, and manifest showing my specific account was included in any such transaction. 
A complete copy of any applicable Forward Flow Agreement If XXXX  XXXX XXXX has an ongoing agreement with your firm or any intermediary for the sale or servicing of accounts, provide that agreement, along with account-level documentation linking this specific account to the agreement. 
A sworn declaration identifying whether this account has ever been securitized If the account was included in a securitized trust, provide the trust name, pooling and servicing agreement ( PSA ), and any relevant SEC filings. If not, provide a written declaration confirming this.

Evidence of your firm 's legal authority and standing to collect or litigate If the account was securitized, sold, or otherwise transferred, provide documentation proving that either XXXX XXXX XXXX or your firm retains all enforceable rights. 
A notarized affidavit from a XXXX  XXXX XXXX XXXX The affidavit must confirm the creditor still owns the account, has not sold or securitized it, and that the balance is accurate and legally collectible. 
A complete and itemized breakdown of the alleged balance This should include all charges, interest, fees, payments, credits, and any adjustments made over time. I require written clarification if a previous dispute was submitted and not acknowledged or resolved. 
This request is submitted in good faith. Any failure to respond with the documentation above within XXXX calendar days will be taken as a refusal to validate the debt. Any further attempts to collect without proper validation will be viewed as a willful violation of the FDCPA and relevant California statutes and will be reported to appropriate regulatory agencies. 

All communication must be in writing. No phone contact is authorized under any circumstance.

Company response to consumer: Closed with explanation