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Review fromMad M
Date: 07/30/2025
1 starTook all my money from my bank account zero warning I am the co applicant on a loan for a vehicle the primary had already been getting garnished to pay back the loan *************************************************************************************************** and wiped out my bank account leaving me with no money to pay any bills rent..Im livid.This is unprofessional and unexceptionable. Ive never received any court papers at all not one notice that they were gonna do this to me called them and all the man could say was call is being recorded you own the debt unfortunate but we can take all your moneyso Im working for nothing basically FOR BEING A CO APPLICANTMesserli and Kramer
Date: 07/31/2025
Mad Mad is not a name associated with any account in our law firm. Furthermore, Messerli & Kramer represents clients. It did not garnish any bank account, the Plaintiff in the lawsuit garnished as permitted under the law.Review fromS. B.
Date: 07/29/2025
1 star?? Consumer Alert: **** Funding Weaponizes Lawsuits through ******************************* Reporting Against Disabled Victims of Identity Theft ??Messerli and Kramer
Date: 07/31/2025
Messerli & Kramer is a law firm that represents clients and pursues appropriate legal remedies. Messerli's client alleges that Ms. ***** is its consumer who defaulted on her obligation to repay amounts she borrowed. When parties disagree about the facts in a lawsuit, the court resolves the dispute. Furthermore, the litigation process also gives the parties the opportunity to develop and discover the facts. Based upon the facts developed in Ms. ******* case, notably her personal and financial hardship, the Plaintiff dismissed the case. Ms. ******* allegation that "LVNV Funding Weaponizes Lawsuits through Messerli and Kramer" is nonsensical and unsupported by the facts.S. B.
Date: 08/02/2025
******************************************** response is false, defamatory, and a continuation of their bad-faith conduct. I have never lived at the Georgia address tied to the fraudulent account, and their own court evidence confirmed this. My credit files have been locked, frozen, and fraud-alerted since 2021. The fraudulent account was inserted in mid-2024, and I immediately disputed it. Instead of validating the debt as required under the ****** they sued almost immediately, violating both the ***** and FCRA by weaponizing false credit reporting against a disabled identity theft victim.The case was dismissed only after I filed counterclaims and a motion for sanctions, proving they sought to avoid accountability for their misconduct. Their claim that I defaulted is false and directly contradicted by the record. This complaint exists because ******************************************* engages in harassment, retaliation, and knowingly frivolous lawsuits, and their response only confirms their ongoing abuse.S. B.
Date: 08/02/2025
******************************************** response is false, defamatory, and a continuation of their bad-faith conduct. I have never lived at the Georgia address tied to the fraudulent account, and their own court evidence confirmed this. My credit files have been locked, frozen, and fraud-alerted since 2021. The fraudulent account was inserted in mid-2024, and I immediately disputed it. Instead of validating the debt as required under the ****** they sued almost immediately, violating both the ***** and FCRA by weaponizing false credit reporting against a disabled identity theft victim.The case was dismissed only after I filed counterclaims and a motion for sanctions, proving they sought to avoid accountability for their misconduct. Their claim that I defaulted is false and directly contradicted by the record. This complaint exists because ******************************************* engages in harassment, retaliation, and knowingly frivolous lawsuits, and their response only confirms their ongoing abuse.Messerli and Kramer
Date: 08/06/2025
The previous response provided to Ms. ****** concerns was not false, defamatory, or made in bad-faith. The Honorable Judge ****** ********* denied Ms. ****** motion on October 03, 2024, dismissing her requests for sanctions, injunctions, and other relief. Our client, the plaintiff in the action against Ms. ****** voluntarily dismissed the action against Ms. ***** after the court had issued its order denying her motion.S. B.
Date: 08/08/2025
******************************************** response is false, defamatory, and a continuation of their bad-faith conduct. I have never lived at the Georgia address tied to the fraudulent account, and their own court evidence confirmed this. My credit files have been locked, frozen, and fraud-alerted since 2021. The fraudulent account was inserted in mid-2024, and I immediately disputed it. Instead of validating the debt as required under the ****** they sued almost immediately, violating both the ***** and FCRA by weaponizing false credit reporting against a disabled identity theft victim.The case was dismissed only after I filed counterclaims and a motion for sanctions, proving they sought to avoid accountability for their misconduct. Their claim that I defaulted is false and directly contradicted by the record. This complaint exists because ******************************************* engages in harassment, retaliation, and knowingly frivolous lawsuits, and their response only confirms their ongoing abuse.S. B.
Date: 08/08/2025
******************************************** response is false, defamatory, and a continuation of their bad-faith conduct. I have never lived at the Georgia address tied to the fraudulent account, and their own court evidence confirmed this. My credit files have been locked, frozen, and fraud-alerted since 2021. The fraudulent account was inserted in mid-2024, and I immediately disputed it. Instead of validating the debt as required under the ****** they sued almost immediately, violating both the ***** and FCRA by weaponizing false credit reporting against a disabled identity theft victim.The case was dismissed only after I filed counterclaims and a motion for sanctions, proving they sought to avoid accountability for their misconduct. Their claim that I defaulted is false and directly contradicted by the record. This complaint exists because ******************************************* engages in harassment, retaliation, and knowingly frivolous lawsuits, and their response only confirms their ongoing abuse.S. B.
Date: 08/08/2025
BBB Consumer Complaint Response Against: *****************, ******************************************** P.A., Gurstel Law Firm, P.C., **************************, and all affiliated, successor, or assignee entities.I, ******* *****, a disabled pro se litigant, hereby issue this public and permanent cease-and-desist demand against *****************, ******************************************** P.A., Gurstel Law Firm, P.C., **************************, and all affiliated, successor, or assignee entities, based on extensive violations of state, federal, constitutional, and civil rights laws, as well as the Americans with Disabilities Act ***** and the Nebraska Consumer Protection Act.Summary of Misconduct:1. Filing and refiling multiple fraudulent lawsuits against me over an identity theft debt, in violation of the Fair Debt Collection Practices Act (FDCPA), 15 ****C. 1692 et seq., and the Fair Credit Reporting Act (FCRA), 15 ****C. 1681 et seq.2. Accessing my locked, frozen, and fraud-alerted credit reports multiple times without authorization, in violation of FCRA 604(a).3. Inserting fraudulent tradelines into my credit reports after lawsuits were dismissed, including in December 2024, constituting unauthorized dissemination of personal information and retaliation for disputes.4. Contaminating my credit files with fraudulent addresses, including a Georgia address I have never resided at, damaging my credit integrity and causing ongoing harm.5. Commingling my personal information with unrelated accounts and disseminating it to third parties, including alleged original creditors, without my consent.6. Retaliating against me immediately after I disputed fraudulent accounts, suing not once but twice in bad faith.7. Engaging in conduct that constitutes Intentional Infliction of Emotional Distress (IIED), as recognized in ****** *. **********************, 598 F. Supp. 2d 1049 (N.D. **** 2009), where harassment over invalid debt resulted in a $500,000 jury *********** ****************** Invoked:- FDCPA, 15 ****C. 1692c, 1692d, 1692e, 1692f (harassment, false representations, unfair practices).- FCRA, 15 ****C. 1681b, 1681n, 1681o, 1681s-2 (unauthorized access, failure to ensure accuracy, improper reporting after dispute).- **** 42 ****C. ***** (retaliation against a disabled individual asserting their rights).- Nebraska Consumer Protection Act, Neb. Rev. ***** ******* to ******* (unfair and deceptive practices).- Nebraska Identity Theft Passport and Protection Laws, Neb. Rev. ***** ****** to ******.- Civil Rights Act, 42 ****C. 1983 (deprivation of constitutional rights under color of law).- Due *************** Protection Clauses of the 14th Amendment to the **** Constitution.Permanent Cease-and-Desist Demand:Effective immediately, all above-named entities and their affiliates are hereby ordered to permanently cease and desist from:1. Initiating or pursuing any litigation, arbitration, or collection activity against me on any alleged debt, whether valid, fabricated, assigned, purchased, or otherwise claimed.2. Accessing, retaining, disseminating, or sharing any of my personal, financial, or commingled information.3. Reporting or re-reporting any tradeline or account to any credit reporting agency.Mandatory Data Deletion Demand:All above-named entities must:- Permanently delete all personal, financial, and commingled data relating to me from their systems.- Instruct all third parties with whom such information has been shared to also permanently delete such data.- Provide written certification of full deletion and third-party compliance within 30 days.Willful Misconduct Damages Clause:Any violation of this public, permanent cease-and-desist and data deletion order shall constitute willful misconduct. For each and every occurrence, the violating party shall be liable for statutory, compensatory, and punitive damages in an amount no less than $50,000 per incident, plus attorneys fees, costs, and any other relief available under applicable law. This applies to all prohibited conduct defined herein, including contact, data retention, dissemination, credit reporting, and litigation activity.Enforcement:Violation of this notice will result in additional immediate filings with the ************************************, ************************, Nebraska Attorney Generals Consumer Protection Division, and the **** ********************* Civil Rights Division, along with applicable state bar disciplinary boards.This statement serves as a permanent, public record of my legal position, applicable to all past, present, and future cases or claims.Signed,******* *****Messerli and Kramer
Date: 08/13/2025
Messerli & Kramer is a law firm that represents clients. Ms. ***** is not our client. Messerli & Kramer respectfully disagrees with Ms. ******* allegations as did the court. Ms. ******* continued dissertation is inappropriate and further response is not warranted.S. B.
Date: 08/15/2025
Public records from two separate debt collection cases brought against me by a client of ******************************************* reflect the following: ******************************************* or their client failed to appear for scheduled hearings. In both cases, their client did not respond to properly served discovery requests, interrogatories, or requests for production. In one case, my motion for summary judgment was denied due to a procedural filing deficiency under court rules. I was a self-represented (pro se) litigant at the time and not familiar with the technical requirements that trained attorneys follow. The denial was not a ruling on the merits of the claims, and the case was later dismissed. In the other case, ******************************************* dismissed the lawsuit before it could proceed to a hearing, after I filed formal defenses and discovery demands.Their prior BBB response suggested that the court rejected my defenses on the merits. That is incorrect. The denial of my motion for summary judgment was explicitly procedural and not a determination that their claims were valid. This distinction is confirmed by the subsequent dismissal of the ******* Experian credit file also shows four credit inquiries by their client between May and September 2024. These occurred while my credit files were locked, frozen, and under active fraud alerts, and while the disputed accounts were the subject of identity theft reports and bureau disputes.I reiterate my prior written and public demands for this firm and its client to:1. Permanently cease all litigation, credit reporting, or collection activity in my name.2. Permanently delete all personal data, including any commingled information added to my file, and any information shared with third parties.3. Confirm in writing that these actions have been completed.These requests are consistent with my rights under the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), the Fair Debt Collection Practices Act (15 U.S.C. 1692 et seq.), and the *****-*****-****** Act (15 U.S.C. ********), which provide for the protection, accuracy, and confidentiality of personal consumer information.If these demands are not met, I will be submitting updated documentation to the ************************************ for further review.**All statements above are supported by publicly available court filings, dismissal notices, official credit bureau records, and identity theft reports. This statement is provided solely to correct the record with accurate, documented information.S. B.
Date: 08/21/2025
**** and BBB FEEDBACK RESPONSE Complainant: ******* ***** Against: ******************************************** P.A.; *****************; **************************, L.P.; Gurstel Law Firm, P.C.; Credit ********* N.A.; ******************; and all affiliated, parent, subsidiary, assignee, successor, or colleague entities.Introduction and Purpose This submission serves as my formal and final feedback response to the ************************************ regarding the above-named entities. Because the **** feedback form does not allow attachments, this document contains all relevant details, quotations, factual corrections, and demands in full. It is intended as a permanent, public, and enforceable record of my legal position, supported by federal and state law, constitutional protections, and extensive documented history.I am a disabled, pro se litigant who has been repeatedly and unlawfully harassed through fraudulent lawsuits, false credit reporting, unauthorized access of my credit files, and the continued dissemination of my personal information despite fraud alerts, disputes, cease and desists, and identity theft reports. The pattern is ongoing, coordinated, and constitutes reprisal and escalation for exercising my rights.Misrepresentations by Respondents Both in BBB responses and **** complaints, ******************************************** acting for **** Funding, made false and defamatory claims:False claim of default. I never defaulted on the alleged debts. Court records confirm that the Georgia address tied to the fraudulent accounts is not mine. Their own evidence contradicted their claims.Improper attempt to smear my submissions as a dissertation or inappropriate. In BBB and related responses, ******************************************* characterized my factual, source-grounded submissions as a dissertation and inappropriate. That is false and retaliatory framing intended to belittle, chill, and discredit a consumers detailed reporting of abuse. Because the **** portal does not allow attachments, a comprehensive narrative is the only way to present the underlying dates, quotes, and record citations. Efforts to trivialize or discourage this reporting are themselves indicia of unfair, deceptive, or abusive acts and practices under the ****-***** Act (12 U.S.C. ?5531) and do nothing to rebut the documented record. This is not retaliation by me; it is protected petitioning and consumer reporting activity in response to the respondents continued reprisal and escalation.False claim that dismissals were due to my hardship. They repeatedly asserted that cases were dismissed out of recognition of hardship. This is demonstrably false. Dismissals occurred only after they failed to appear for hearings, refused discovery, and I filed counterclaims and motions for sanctions. These were tactical withdrawals to avoid rulings on misconductnot compassion. If hardship was truly the reason, no lawsuit would ever have been refiled. Yet a new firm later refiled the same claims, proving that hardship was a false narrative used to obscure misconduct.False claim that court rulings supported them. My motion for summary judgment in one case was denied procedurally, not on the merits. ******************************************* misrepresented this as a substantive loss. The case was later voluntarily dismissed. In another case, they voluntarily dismissed pre-hearing after I asserted defenses and discovery.Contradiction with third lawsuit. After ******************************************* withdrew, a new law firm refiled the same claims, while still claiming to acknowledge hardship. This makes their position internally inconsistent and underscores the bad-faith, retaliatory nature of the litigation.Pattern of Harassment and Reprisal Multiple Lawsuits. Three lawsuits were filed over identity-theft accounts. Two dismissed without prejudice (exploited as loopholes), and a third refiled by a new law firm on the same account. A fourth is now threatened over a new fraudulent account inserted in early 2025.Unauthorized Credit Access. **** Funding and its agents accessed my locked, frozen, and fraud-alerted credit files at least four times between MaySeptember 2024 and again in December 2024.Fraudulent Reinsertions. Following dismissals, ****************** tradeline appeared despite prior removals of the **** tradline, while **** Funding accounts were deleted only after I forced removal. A new **** tradeline appeared in January 2025continuing the cycle.Commingling and Data Contamination. My credit reports were polluted with false addresses (including the Georgia address I have never lived at) and with unrelated accounts, commingling my identity with others.Reprisal After Disputes. Each time I disputed fraudulent accounts, **** Funding and its law firms escalated to litigation rather than validation. This is not consumer retaliationit is my lawful defense against reprisal and escalation by debt buyers exploiting litigation and credit reporting as weapons.Courtroom Threats. In the third case, opposing counsel threatened me with refiling the dismissal with prejudice case if I did not abandon my claims.Violation of Cease-and-Desist Orders. Since 2024, I have issued numerous cease-and-desist demands. These have been repeatedly violated, proving willful disregard for the ********* Rights and Violations This misconduct violates multiple federal and state laws, including:FDCPA (15 U.S.C. 1692 et seq.): harassment, false representation, unfair practices, and illegal lawsuits.FCRA (15 U.S.C. 1681 et seq.): unauthorized access (604(a)), failure to ensure accuracy, re-reporting disputed accounts, contamination of credit files.ADA (42 U.S.C. *****): retaliation against me as a disabled individual asserting my rights.Nebraska Consumer Protection Act (Neb. Rev. ***** ******* to 59-1623).Nebraska Identity Theft Protection Laws (Neb. Rev. ***** ****** to 28-640).Civil Rights Act, 42 U.S.C. 1983: deprivation of rights under color of law.Constitutional Protections: Due Process and Equal Protection under the 14th Amendment.IIED: Intentional Infliction of Emotional Distress, consistent with ****** *. **********************, 598 F. Supp. 2d 1049 (N.D. **** 2009).Permanent Cease-and-Desist Demands Effective immediately, ******************************************** LVNV Funding, *************************** Gurstel Law Firm, ***************, ******************, and all affiliated, parent, subsidiary, successor, assignee, colleague, or related entities are hereby ordered to:Permanently cease all litigation, arbitration, or collection activity against me on any alleged debt, whether valid, fabricated, assigned, purchased, or otherwise claimed.Permanently cease all access, retention, dissemination, or sharing of my personal, financial, or commingled information.Permanently cease all reporting or re-reporting of any tradeline or account in my name to any credit bureau.Permanently delete all personal and commingled data from their systems and databases, and instruct all third parties to do the same.Provide written certification of full deletion and third-party compliance within 30 ******* further communications are permitted except a single written certification of compliance. Any other contactincluding collection letters, fabricated evidence, or delay tacticsshall be treated as willful misconduct.Willful Misconduct Damages Clause Any violation of these demands shall constitute willful misconduct. Each violation will subject the offender to statutory, compensatory, and punitive damages of no less than $50,000 per incident, plus attorneys fees, costs, and additional relief available at law.Enforcement and ****s Duty If noncompliance continues, I will escalate immediately to: the FTC, Nebraska Attorney Generals Consumer Protection Division, the ************************** Civil Rights Division, and applicable state bar disciplinary boards.The **** is not a passive observer. Under 12 U.S.C. 5531, it is mandated to intervene against unfair, deceptive, or abusive acts. Allowing these entities to continue unchecked would amount to regulatory abdication. Enforcement is not discretionary hereit is a statutory duty.Conclusion I demand permanent, all-encompassing protection. The misconduct against me is not a one-time error; it is a deliberate, repeated, and retaliatory scheme. My rights under the *****, ****, ***, state identity theft laws, and the Constitution guarantee me the relief demanded here.This feedback response is a final, public record. Compliance is not optional. Noncompliance will trigger immediate enforcement action.This matter has been filed with the ************************************. Including it here for consumer and public reference.Review fromDannielle H
Date: 07/16/2025
1 starMesserli and Kramer did not post my money to my account after several attempts to correct. I placed an incorrect reference number unknowingly and called to get answers. Its been since May and no one at M&K has followed thru. Today I was told they will start the correction. I will not hold my breath.Review fromShawn J
Date: 06/24/2025
1 starThey are criminals do not trust them at all. They should be allowed to practice law period.Review fromMoises S
Date: 05/22/2025
1 starI have been harassed by this company, I have tried multiple time to settle this debt but it is impossible to get a representative willing to work with you instead of harass you. I requested to make a one time payment or a ****************************************************** confirming what we agreed , I have them my new phone number and address at the beginning nothing arrived the due date came in I called in multiple times left multiple voicemails no call back. Few days later I get a called from this company ay my work place, ******** IN EXTENSION 5638 accused me of disconnecting my line and not making a payment and threat that if I didnt do the payment within 5 days they were going to proceed with judgement, then she recognized she mis dialed the phone number when she tried to call me multiple times she said a few days ago, TODAY I called in because I requested this contract again sent to my email and AGAIN she ignored my request I called in today again she said it wasnt processed and that she couldnt called me because she didnt had my permission to do so. What a shady, unethical person she is, of course hang up on me and now I wasnt able to make my payment and it most likely I am going to receive a judgment notice, what a sad world we live, customer trying to solve their ******************** and this employee and company are just scammers. I am joining hundred of people having issues with *********** and will pursue legal actions.Messerli and Kramer
Date: 05/27/2025
M|K# 24-156579
We respectfully disagree with Mr. *** ******** claim that he is being harassed; however, as a result of his allegation, we have updated his account to reflect that he does not wish to be contacted regarding his past due obligation to our client and will only provide legally required notices. Mr. *** ****** can continue to make his monthly payments as agreed, however, if he misses a payment we will not reach out to him as a courtesy and will instead just proceed with our client's legal remedies.
Review fromSelena H
Date: 04/16/2025
1 star******************************************* is awful, I understand that I did not do my part but maybe I do not have the funds to even set up a payment plan. Living pay check to pay check.. They took everything that I had which was a little over 100 bucks in my savings account and maybe 200 bucks I my checking with a 100 surcharge fee... I was in the grocery with my small children having to tell them mommy's money is gone-- we couldn't get our needs..Messerli and Kramer
Date: 04/17/2025
Messerli & Kramer is not Ms. *********' creditor and did not take her money. ******** account was garnished by her creditor after a judgment (Otter Tail County Court File Number 56-CV-25-544) was entered against her and not satisfied. Messerli & Kramer attempted to set up an arrangement between Ms. ********* and her creditor prior to the garnishment. Ms. ********* review is misdirected.Review fromRuth M
Date: 01/31/2025
1 star******************************************* is a bill collector. My husband has a common name. We got a collection notices for a unpaid credit card we never had. By husband called to sort the mess out and this company demanded his personal information such as his birth date and social security number, which they should already have on an unpaid credit card. They hung up when he refused to give them this information.Review fromLisa M
Date: 12/06/2024
1 starI am very angry that Messerli and Kramer took $2700 out of my savings account. They are very crooked and need to be stopped of this illegal doing! They need to stop putting people into hardship! Very illegal firm.. They are minus zero on star rating! They are thieves!!!!Messerli and Kramer
Date: 12/16/2024
RE: ******************************* v **** *****
Our File No.: 24-124314
BBB Review No.: 296164
Ms. ****** concerns are regarding garnishment. Messerli & Kramer represents *******************************, the plaintiff in a civil action against Mrs. ******* As such, Ms. ***** is neither a customer nor a client of ours.
Ms. ***** owed a debt to our client for an unpaid bill. Our office reached out to Ms. ***** on multiple occasions to resolve this matter to no avail. Ms. ***** elected not to repay her debt or collaborate with us to resolve her debt. Thereafter, the court ordered judgment against Ms. ***** and ordered her to pay the outstanding debt. Ms. ***** failed to comply with the court order. Accordingly, Minnesota Statutes ****** provides that a judgment creditor may enforce a judgment through lawful garnishment. Ms. ****** allegations regarding our firm are false and, as such, should not be published.
Messerli & Kramer considers consumer complaints a serious matter, and fully respects consumers rights. Thank you for your attention to this matter.Review fromA. P.
Date: 11/26/2024
1 starIf I could leave a 0 star review I would. Low class criminals. ***** to negotiate a payment and they completely ignored the request. Garnished my paycheck even though I am on assistance (should be exempt for 6 months) and took out over $600 on a $800 debt. I will not be able to pay for bills or food.Messerli and Kramer
Date: 11/27/2024
We do not have a customer named "Drea Peaseron" with a zip code of *****.A. P.
Date: 12/02/2024
Its ******* *****.Messerli and Kramer
Date: 12/05/2024
We are a law firm representing one of Ms. ******* creditors. The court ordered Ms. ***** to pay when it entered judgment on August 18, 2016. She has failed to comply with the court's judgment and to date has not paid anything. The court also ordered Ms. ***** to pay court costs and interest which is why the balance is now $837.19. We served a Notice on Ms. ***** on October 22, 2024 that we intended to garnish her wages unless she completed an exemption claim (which we provided her.) She ignored this Notice. After the garnishment was commenced, then Ms. ***** provided her exemption information and the garnishment was promptly released. Furthermore, her employer notified us that Ms. ***** did not have sufficient earnings to garnish. **************** claim that we garnished her wages even though she is on assistance lacks veracity. Furthermore, Ms. ***** has not attempted to negotiate a payment. If she had, she would been provided the opportunity to make monthly payments and this judgment would have been settled long ago. Ms. ***** is encouraged to contact our office and set up a payment arrangement.A. P.
Date: 12/07/2024
This is untrue. The garnishment was not released, why was $678 was taken from my paycheck? I also faxed a release saying what type of assistance I receive. Its Xmas and I cannot buy my children anything. We are barely able to buy groceries and I am on a very expensive medication that I had to skip. I contacted them twice through email I have proof of that and those were left unanswered.Messerli and Kramer
Date: 12/11/2024
We received Ms. ******* exemption on November 26, 2024, and released the wage garnishment on November 27, 2024. We also received notice from Ms. ******* employer that she makes insufficient earnings to garnish. If her wages were garnished, she should contact her employer and track down where her wages. Our client has not received any garnishment payment on this account.
Review fromSean A
Date: 11/21/2024
1 starSent us papers for garnishment without a court date. Then we set up a payment arrangement to settle the account and we're told the garnishment would be ended. Then proceed to take the garnishment and said we still needed to make the payment for the month because we had "entered an agreement" regardless of the fact that the garnishment that had been taken out was more than the monthly payment agreed upon. Also told us there was no way to pay online, pay in full, or to settle the account. Turns out they have a website where all that is available. They just wanted to collect interest on the account forever. Absolute criminals.Messerli and Kramer
Date: 11/25/2024
We are unable to locate an account for **** ******** with zip code 51401. Mr. ******** is not our customer.
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