Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
I received a notice from debt collector PATENAUDE & FELIX APC, regarding an alleged debt owed to XXXX XXXX XXXX dated XX/XX/XXXX, stating that I owe {$15000.00} including {$110.00} in interests, and they are attempting to collect for XXXX XXXX XXXX. I sent a notice of dispute and demand for verified document on XX/XX/XXXX. I will not pay a company I had no business with, plus there is no proper documentation and proof of claim. Especially in a consumer credit transaction where the consumer provides the credit, no money was loaned. 

PATENAUDE AND FELIX sent a reply dated XX/XX/XXXX, document of a bill of sale, certificate of loan sale along with a transaction history, with a partial account number, how would I know if that account is mine without proper and complete account number. The certificate of sale document only lists XXXX XXXX as the subservicer, not XXXX XXXXXXXX XXXX nor PATENAUDE & FELIX. So, the document that was sent is a misrepresentation of a certificate of sale. The bill of sale that was sent is also a misrepresentation, it predates the relationship between XXXX XXXX and I. Plus it is signed well over a year after it was drafted. I responded with a 2nd notice of failure to provide validation dated XX/XX/XXXX. Where is the contract that created the obligation, and the terms that were expressly authorized. Without proper documents PATENAUDE AND FELIX have no claim. PATENAUDE AND FELIX sent the same documents they sent from XX/XX/XXXX. I sent a third notice dated XX/XX/XXXX, and PATENAUDE AND FELIX responded with another notice dated XX/XX/XXXX of which I believe is a threat using and citing case laws and the way the notice was written. Because they are debt collecting attorneys, they used scare tactics to make consumers like myself feel afraid that litigation is on the horizon. PA law requires debt collection agencies to follow proper procedures when attempting to collect debts from consumers. please see PA title 18 section 7311prohibits unlawful debt collection practices.

7311. Unlawful collection agency practices. 

( a ) Assignments of claims. -- It is lawful for a collection agency, for the purpose of collecting or enforcing the payment thereof, to take an assignment of any such claim from a creditor, if all of the following apply : ( 1 ) The assignment between the creditors and collection agency is in writing.

( 2 ) The original agreement between the creditor and debtor does not prohibit assignments. 

( XXXX ) The collection agency complies with the act of XX/XX/XXXX ( XXXX, XXXX ), known as the Unfair Trade Practices and Consumer Protection Law , and with the regulations promulgated under that act. 

There is no agreement in writing between PATENAUDE OR XXXX XXXX TYING ME TO THE DOCUMENTS THAT WAS PROVIDED. 
Congress had to enact laws to protect consumers for the reasons listed below from the Federal FDCPA and PA consumer protection laws mirror the FDCPA.

( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices Please see attached filed in order of receipt and sent. 









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Company response to consumer: Closed with explanation