Consumer complaint received 2020-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The law firm XXXX XXXX XXXX, XXXX retained by Capitol One Committed FRAUD and PERJURY! The process server used by XXXX XXXX XXXX, XXXX falsified documentation or evidence, proof of service, that I allegedly received to was summons or order me to appear in court to dispute a debt owed to Capitol One dating back to XXXX. 

I was NEVER served or properly notified! As, I mentioned in my complaint dated XX/XX/XXXX, I live alone and am an empty nester. Further, I do not have a roommate or personal representative, I handle my own business matters. 

The bottom line is this : A judgement was entered against me using deceptive or unethical practices and under false pretenses. 

I was not present in court and allowed to give an account of events or afforded the opportunity to dispute or discuss the alleged debt owed. 

I had submitted a complaint against the law firm XXXX XXXX XXXX, XXXX because of an earnings wage order ( EWO ) as obtained, as a result of a judgement being granted and entered by a court unbeknowst to me. 

This law firm is unethical and the attorney representing the creditor, Capitol One, should be disbarred and the process server should be charged with perjury. 

When my employer informed me of the EWO I was shocked!!! 

The law firm, attorney, process server, and creditor should all be criminally prosecuted for lying under oath or perjurying the truth. 

Collectively they are all complicit in violating my consumer rights, as well as the consumer protection law. 

They should NOT be allowed to get away with lying ; it's unconscionable and I wouldn't be allowed to get away with lying under oath or in a court of law. 

I know better ... my parents taught me better i.e. always tell the truth because the truth prevail s and roll set you free. 

Consumers have NO rights if a matter such as this goes unaddressed and the parties are not legally and ethically held to account. 

I can't even reconstruct the original amount of debt owed! How is it that I owe {$8000.00}?!?! 

I requested documentation and it is very difficult to understand or interpret. 

Also, I don't trust the information received as factual and the person I spoke to at the law firm, XXXX XXXX XXXX, XXXX could not explain anything to me ; I had to ask repeatedly for documentation of monies owed/ levied/garnished. 

It is so unfortunate that creditors can ruin a debtors credit rating based upon inaccurate, deceptive, and unethical business practices. 

The explanation provided per the letter, signed by XXXX, is unhelpful because it completely glossed over, ignores, or overlooks the fact that I was NEVER served or informed of a court hearing ; thus, given the opportunity to hear the allegations of monies owed!!! ow is it possible to collect a debt from XXXX I'm XXXX, or eights years thereafter? 

How do I owe XXXX, when the original amount owed was XXXX? 

I had no idea that there were two accounts! 

XXXX AND XXXX ; How can I begin to unravel, retrace, and recount the balance ( s ). 

Also, why am I still being harassed about a 2nd account that was charged off in XXXX, # XXXX? 

The documentation received does not make that clear or understood. 

Can I file a civil lawsuit against the law firm, the attorney, the process server, and the creditor? removed from my credit history and/or documented as satisfied, the earnings wage order removed, and my credit history to reflect this debt paid-in-full!!! 

How is it possible to collect a debt from XXXX in XXXX, or eights years thereafter? 

How do I owe XXXX, when the original amount owed was XXXX? 

Can I file a civil lawsuit against the law firm, the attorney, the process server, and the creditor? unhelpful because it completely glossed over, ignores, or overlooks the fact that I was NEVER served or informed of a court hearing ; thus, given the opportunity to hear the allegations of monies owed!!! 

I want the judgement satisfied, the earnings wage order removed, XXXX credit history to reflect this debt paid-in-full!!! 

How is it possible to collect a debt from XXXX in XXXX, or eights years thereafter? 

I'm having trouble attaching my documents ; I have others e.g. the fradulant or falsified proof of service from the process server. 

It gives a description of the recipient, a XXXX  woman XXXX ' tall ; I am XXXX and XXXX '' tall!?!? ... 

I really would like to provide this documentation, as well.

Company response to consumer: Closed with explanation