The Law Offices of Kenosian Miele, LLP

2019-11-15

Hinkley, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Company Response: Untimely response

Untimely Response

2019-11-09

Bakersfield, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Untimely response

Untimely Response

2019-08-09

Point Arena Air Force Statio, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Company Response: Untimely response

Untimely Response

2019-05-07

Point Arena Air Force Statio, CA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Closed with explanation

Untimely Response

2018-10-02

Anaheim, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Complaint: XX/XX/XXXX - a creditor by the name of XXXX XXXX XXXX obtained a judgement against me. I was never notified of the lawsuit. Service was to an address I did not live at and the person named in service declares nothing was ever received by service for anything to do with me. XX/XX/XXXX - a different creditor by the name of XXXX XXXX XXXX XXXX XXXX assumed/bought the judgement and extended the judgement. Again, I was not notified. XX/XX/XXXX - Law firm Kenosian & Miele on behalf of XXXX XXXX XXXX XXXX XXXX filed for a writ of execution. Court documents show they sent service to our old address, even though a different collection agency, XXXX in XX/XX/XXXX, with the same address as the law firm checked my credit twice and our current address had been reporting since XX/XX/XXXX. We have every reason to believe this was intentional The 2 bank inquiries on my credit report were the only 2 banks levied. XX/XX/XXXX - the creditor represented by the law firm Kenosian & Miele placed a levy on my joint bank account. Our first notification of ANY of this was a phone call from my bank on XX/XX/XXXX. They drained all accounts. XX/XX/XXXX - Judge released some of the funds on a claim of exemption. We also did further investigation into the debt which the agency claims the original creditor was XXXX XXXX XXXX. We contacted XXXX XXXX and they did a complete investigation. We received a letter from XXXX XXXX stating there was NEVER an account or application submitted to them for any accounts or credit cards in my name and social security number. We sent that to the attorney 's office and the response we received was they would need to discuss with their client first and they stated their client refuses to release the money being held by the Sheriff 's dept from the levy. They stated their client needs to perform their own investigation and they don't know how long it will take. Since none of our money has been returned thus far, we have been living off loans and cash advances which are incurring a large amount of interest. We have clearly provided evidence that this was never our debt and there were no legal grounds to sue on to begin with. Yet, they will not return phone calls and now claim they aren't receiving our messages. In more recent findings, XXXX XXXX XXXX is the original Plaintiff in the case. When XXXX XXXX XXXX XXXX filed acknowledgement of assignment of judgement on XX/XX/XXXX, the documents that were provided to the court state XXXX XXXX, XXXX along with a signature dated XX/XX/XXXX. XXXX XXXX XXXX is a completely different company and was merged out and no longer existant as of XX/XX/XXXX with XXXX XXXX XXXX as the surviving entity. The documents signed were by XXXX XXXX, on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX was dissolved as of XX/XX/XXXX. XXXX XXXX XXXX, was NEVER the owner of the account ( which never existed in the first place ). There is also documentation that XXXX XXXX XXXX is not the same as XXXX XXXX XXXX on the XXXX website. There is a letter stating that XXXX XXXX XXXX gave permission to XXXX XXXX , XXXX due to the name similarity. All documents from court files, proof from XXXX website, proof of address in XX/XX/XXXX from a background report we had to pay for, proof of XXXX executing 2 inquiries on my credit report, proof from XXXX XXXX that there was never an account.
Company Response: Closed with explanation

Untimely Response

2018-08-20

Santa Ana, CA

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Complaint: In XX/XX/XXXX I borrowed money from XXXX XXXX. In XX/XX/XXXX, it was charged off to XXXX XXXX, not Kenosian & Miele , However Kenosian & Miele claim to represent XXXX XXXX in the XX/XX/XXXX court docs I acquired in XX/XX/XXXX. In XX/XX/XXXX I was supposedly, served papers on a Saturday. I revived free legal counseling from an attorney, who is curentley now retired, when i sent an email of my court docs to her in XX/XX/XXXX to XX/XX/XXXX. This is the conversation that took place. " Hello XXXX, I have attached a pdf of the court docs you requested, however there were no documents in the court system for document, '' Case Disposed with Disposition of Judgement uncontested. '' It showed, '' No Doc ''. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Hi XXXX- I've had a chance to look at the documents again and the only issue I see is a factual one. That is whether XXXX XXXX did or did not come and hand deliver to you the small Claims paper on XX/XX/XXXX at XXXX. That's a Saturday night. Do you have some way of proving you were not at home at that time and date or sound asleep? Its a long time ago. Maybe you have a calendar or diary to remind you what you were doing, or you worked night shift and were working or otherwise a long standing routine. See the proof of service attached. This XXXX XXXX has continued in the business and probably can be reached through the email address below. I suppose you could email her a copy of the attached proof of service and ask her if that's her signature. Its hard to think a woman ( who would have then been in her late XXXX ) would come so late at night to XXXX XXXX to serve a stranger with legal papers. The only real technical defect I see is that the process serving company that hired her, XXXX XXXX XXXX, XXXX does not state its own company process server 's registration number on this paperwork, as required by law, and when I go to their website XXXX, I do not see any where that they have put a registration number anywhere, and perhaps don't have one like they should. The company is supposed to be the supervisor of the independent contractor XXXX XXXX and make sure she obeys the law. You could call the company XXXX and ask them if they have a process serving registration number and what it is. Be sure to make a note of the date and time of your communications with these people and the substance of the conversation. It doesn 't hurt if they refuse to tell you anything. Just make a note of it. " So I did what she suggested, I called XXXX XXXX XXXX XXXX, XXXX 's ( XXXX ) -XXXX, but it's a fax number. I emailed XXXX XXXX in XX/XX/XXXX. " Hello XXXX, My name is XXXX XXXX, and I was wondering if you can confirm for me that on or around XX/XX/XXXX at XXXX XXXX, on a Saturday XXXX, you hand delivered to me a small Claims paper regarding XXXX XXXX? Just trying to confirm. Thanks, XXXX XXXX XXXX ( XXXX ) XXXX She never replied! So, 8 months latter, i emailed her again. XXXX XXXX, My name is XXXX XXXX. In XX/XX/XXXX, I sent you an email with a Proof of Service from XX/XX/XXXX, attached. I would like for you to confirm that this is your signature on this Proof of Service? Thanks, XXXX XXXX XXXX ( XXXX ) XXXX I was never served any court papers regarding this judgement! The ONLY papers I received were AFTER the default judgement was granted, only because I didn't show up to court to defend myself, because I didn't know about it. A garnishment didn't start from Kenosian & Miele until XX/XX/XXXX to XX/XX/XXXX over {$900.00} was taken and then a bank levy of over {$1100.00} in XX/XX/XXXX and another bank levy in XX/XX/XXXX of or around {$200.00}. Now, let me say that it has been 8 YEARS, since this debt was owed! WAAAY past the statue of limitations in California of 4 years ( written agreement ), and 2 years ( verbal agreement ). By the way, I complained about XXXX XXXX already, to the CFPB, who sent me a letter stating that they have nothing to do with this levy? OK?, so where is the money going if there name is on the lawsuit letter that i receive after the levy has taken place? Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX XXXX
Company Response: Untimely response

Untimely Response

2018-02-03

San Jacinto, CA

Took or threatened to take negative or legal action

Debt collection: Payday loan debt

Threatened to sue you for very old debt
Complaint: Was notified by mail about a debt that was sold to 3rd party collection agency claiming to be a law office. I was notified in XXXX 2017 by letter stating that they have made several attempts to reach out to me about the debt and that if they did not here back from me with in a certain amount of time they would be proceeding with legal actions. I have not received any calls, letters or anything about this. Never received any notifications that the supposed debt was being sold to a different company as well. When I called Kenosian and Milele, LLP they were very rude and unwilling to help me settle this. I asked for information about this debt and when they tried to notified me. I was told that they can not provide me with any information and that I had to settle this today or they would proceed with legal actions today. I asked for some type of settlement due to the large amount claimed being owed, they were still unwilling to help. I asked to make payments of {$50.00} a month and was told they can take anything less then {$120.00} a month. They use very harsh and threating words to try to collect the debt with out providing any information when requested Still unwilling to provide information about the debt I asked for something in writing about they payments be arranged and was told that their lawyers to do not provide anything like that in writing. So out of the fear of being sued I agreed to make payments that I could not afford. After making a payment, I was unable to make the next months payment. I called them before the payment date to notify them I was unable to make the payment. I was told that either I come up with the money today or that they will take me to court and garnish my wages to get the money and that either way they will get their money. I called the original creditor to see if I could get information about the debt they stated they no longer had the account and that it was sold to XXXX XXXX. I find this very suspicious because the letters I received mentions nothing about XXXX XXXX owning the debt. All notification I have received come from Kenosian & Miele LLp Attorneys at Law stating that the original creditor is XXXX XXXX and that XXXX XXXX XXXX XXXX XXXX is there client. I done research on this Law office Kenosian and Miele, and they do unethical practices by illegally serving people wrong court date information and get a default judgement to garnish people wages or by illegally taking funds out of peoples account with out notification. I am afraid this is going to happen to me.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-02-01

Hayward, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-07

Anaheim, CA

Threatened to contact someone or share information improperly

Debt collection: Payday loan debt

Contacted your employer
Company Response: Closed with explanation

Untimely Response

2017-12-06

Hemet, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-09-24

Burlingame, CA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to arrest you or take you to jail if you do not pay
Complaint: Kenosian & Miele LLP has been harassing me and my mother for months now. They 're trying to collect on a fraudulent debt that I did n't create. I 've sent letters to this company explaining the situation and sent the necessary proof. They 're still calling me at work and my mother even after she told them to stop calling her. They said I would go to jail if I did n't pay this debt. I refuse to pay a debt that I did n't apply for, sign for, or create. This company should be fined {$1000.00} for each time they harassed me.
Company Response: Closed with explanation

Untimely Response

2017-05-19

Irvine, CA

False statements or representation

Debt collection: Other debt

Impersonated attorney, law enforcement, or government official
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Untimely Response

2017-03-08

Anaheim, CA

Improper contact or sharing of info

Debt collection: Payday loan

Contacted employer after asked not to
Complaint: Hello i took a loan out for with a pay day loan company and lost my job a few months later something out of my control i let the company know and they did not care or listen or work with me on the situation and continued to harras and call me and my old job that i did not work for anymore a few times with out consent or after i told them to stop calling..
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-03-14

San Gabriel, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Kenosian & Miele, LLP, the attorney for XXXX XXXX XXXX XXXX, filed a judgement against me XXXX XXXX, XXXX for a {$3900.00} debt on a XXXX credit card that I never owned. They claim their process server, " under penalty of perjury '' I might add, served me with a Proof of Service Mon., XXXX XXXX, XXXX at XXXX to an address I did n't even live at. I have proof of all my addresses since I was XXXX years old on my secret security clearance paperwork to prove that. I was not even aware of this judgement against me back in XXXX until recently, when on Friday, XXXX XXXX, XXXX, my human resources representative emailed me a copy of an earnings withholding order that Kenosian & Miele, LLP managed to file against me. I immediately printed out the case report, went to XXXX County court and got a copy of the chief complaint and the proof of service. I also starting contacting as many attorneys as I could to help me with my case. I spoke with two representatives from XXXX who ran my social security number and found no such account in my name. XXXX XXXX XXXX XXXX falsified a Debtor 's Statement of Account and Payment History by attaching my name to the top of another consumer 's credit card statement and blackening out my address and account number. I assume that is how they got the judgment against me in XXXX. They have allowed six years to pass to accrue more interest to collect from me, without my knowledge. They also stole my social security number in XXXX XXXX to run my credit report to locate my current employer and serve me with the wage garnishment order. Speaking with various attorney 's, they advised me that the quickest way to stop a wage garnishment is A. File Bankruptcy or B. Submit a Claim of Exemption with the levying officer. They also said I needed to file a motion to move aside a default judgement, which would cost me a lot of money to have an attorney do. I filed the Claim of Exemption already. I 'm not filing bankruptcy and ruining my credit over the {$7200.00} they claim I owe, {$3000.00} of that would be accrued interest alone for the account in question. Vultures. I really do not understand how a legitimate law office can commit such fraudulent activities and not be disbarred. Oh, and I failed to mention NONE of this shows up on my credit report : No Public Records ; not in the collections section ; and there is no history of this XXXX account on my report anywhere. If this debt was legitimately mine, it would definitely be on my credit report. I feel that they prayed on me because I have one bad debt on my credit report from XXXX XXXX that was charged off in XXXX XXXX. I currently own a XXXX XXXX card and they were the company that financed my car. If I was truly in horrible standing with XXXX XXXX, they would have never approved me for credit the second time around. So, XXXX XXXX XXXX XXXX. took the date from my XXXX XXXX debt to target me and file a judgement against me ; they falsified a Debtor 's Statement of Account and Payment History with my name on another consumer 's bad debt to collect years of accrued interest from me by serving me with a wage garnishment.
Company Response: Closed with non-monetary relief

Disputed: No Untimely Response

2016-02-05

Point Arena Air Force Statio, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-12-28

Stkn, CA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Untimely Response

2015-07-27

CA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: i was sued by kenoshian miele. .went to court was waiting for proof ( discovery ) ) had a court date for XXXX 2012 and they moved the court date to XX/XX/2012 without notifiying me and so in turn they got a default judgement against me.
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2015-04-30

Freestone, CA

Communication tactics

Debt collection: Credit card

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: No Timely Response

2015-01-27

Arrowhead Farms, CA

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2014-12-06

Hinkley, CA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Untimely Response

2014-09-23

Long Beach, CA

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Untimely Response

2014-09-11

San Jose, CA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Untimely Response

2014-08-21

Chico, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2014-07-24

Lake Elsinore, CA

Taking/threatening an illegal action

Debt collection: I do not know

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Untimely Response