Consumer complaint received 2019-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

First,theoriginallysummonswasfiledonunknowndate.Perthissummonsandcomplaintsummonswasissuedwithoutadateandwithoutanexpirationdate.Ihavenotreceivedanynotificationfromthislawofficeregardingtheclaimmadeagainstme.Thus,Iwasneverprovidedachancetofairlyrespondtosuchclaimsmadeagainstmewithinyourcourts.TherequestbytheplaintifftofileasecondsummonswasthengrantedonXX/XX/XXXXwithanexpirationdateofXX/XX/XXXX.Becausetheoriginalsummonsisnotdated,itisunclearifthissummonswaspotentiallyfiledpriortotheoriginalexpirationdateoftheoriginalsummons.Perthissummons,theplaintiffdoesnotprovideanystatementsorinformationregardingtherationaleofbringingclaimsagainstme.Thus,thiswouldnotallowmetheopportunitytoproperlyoradequatelyreviewtheplaintiffsstatementsmadeagainstme.

Next,theplaintifffiledthesecondsummonsonXX/XX/XXXXwithanexpirationdateofXX/XX/XXXX.TheplaintiffalsofiledaOrderRegardingAlternativeServicewasalsofiledandissued.Thisdocumentwasaccompaniedwithacomplaint.Itisunclearwhytheplaintifffailedtofileacomplaintwiththeoriginalsummonswithyourcourt.

Theplaintiffstatesthatthissaidcomplaintandsummonswasprovidedthroughmethodof:first-classmail,tackingorfirmlyaffixingtothedoor,andcertifiedmail.Todate,mailhasnotbeenreceivedbythedefendantasproposedbytheplaintiff.ItisunclearhowtwoseparatemethodsofmailingthroughtheUnitedStatesPostalServicecannotbevalidated,or,whytheplaintiffhasnotprovidedproofofsuchformypersonalreview.

Additionally,intheOrderRegardingAlternativeService,theplaintiffallegesthatserviceofprocessuponthedefendantcannotbereasonablymadeasprovidedinMCR2.105.Itisunclearofwhytheplaintiffdeemedprocessserviceunreasonable.Ihavenotexperiencedanyissueswithreceivingotherpersonalitemsanddocumentsthroughfirst-classmail.Ihavenotexperiencedanyissuewithreceivingcertifiedmailfromvariousbusinesses.Infact,Ihavenotexperiencedanyissueswiththedeliveryofmailwhileresidingatthisresidence.ItisunclearwhytheplaintifffiledaXXXXRegardingXXXXXXXXwhenanoriginalmethodofserviceneveroccurred.Itisunclearofwhatand/orwhytheplaintiffrequestedanalternativeto.Aalternativewhobeunderthepretensethatanoriginalattemptwasmadebytheplaintiff;whichcannotbevalidated.Again,itremainsunclearofthelogicand/orrationaleofrequestinganalternativemeanstoaneventwhereanoriginaleventhasnotoccurred.Itisveryconcerningthatplaintiffwouldrequestalternativeservicesbeingawareoftheirfailuretomakeanoriginalattempt.


Likewise,thefirstandONLYattemptwasmadeonXX/XX/XXXX.Atthistime,IarrivedhometofindaSummons,SecondSummons,andaOrderRegardingAlternativeServicetackedtothedoorofmyresidence.Thisiswhentheplaintiffprovidedacomplaintandsummons.Thecomplaintattachedwasextremelyvagueinnatureintheclaimsmadeagainstme,thedefendant.Thisfactthatanundated,SummonswasprovidedwithaSecondSummonsindicatesthattheplaintiffdidnotproperlyservetheoriginalsummons.

Infact,itisunclearifthefirstsummonsisvalid;asthissummonsisundatedanddoesnothaveanysignaturetoindicatereviewandacceptancebyacourtclerk.Further,thesecondsummonsfiledbytheplaintiffindicatesthereisnootherpendingorresolvedcivilactionarisingoutofthesametransactionoroccurrenceasallegedinthecomplaint.Basedontheplaintiffsstatementinthesecondsummons,afirstsummonswouldnotbeneededregardingthesaidtransaction.ItalsoremainsunclearastoWHENthefirstsummonswasactuallyfiled.Thus,providingpossiblerationaleastowhythefirstsummonsisundatedandnotsignedbyacourtclerk;whyacomplaintwasnotprovidedwiththefirstsummons,andwhyacomplaintandsummonswasonlyprovidedwithanOrderRegardingAlternativeService.

Second,theaddressofwhichtheplaintiffimpliesattemptsofduediligenceweremadebyrequestinganOrderRegardingAlternativeServiceonthesamedatethesecondSummonswasfiled.XXXXXXXXXXXXinXXXXhasbeenmylivingaddresssinceXXXX.TheStateofMichiganwillindicatesuchintheupdatingofmyaddresswiththeiroffice.Also,thisaddressiswhereIreceivenumerouspiecesofmailandbillingstatements.Itisunclearaswhythedefendantwouldnotbeabletofindthisaddressandprovidetimelyprocessservice.Iamaregisteredvoterinthisdistrict.Iaminsuredinthisdistrictwiththisaddress.

Third,onthesecondsummonsandcomplaintfiledbytheplaintiffonXX/XX/XXXX,theplaintiffstatedundertheGeneralCivilCasesportionthatthereisnootherpendingorresolvedcivilactionarisingoutofthesametransactionoroccurrenceasallegedinthecomplaint.TheaffidavitdoesnotprovidefactualproofthisaccountisindeedanaccountIhaveappliedforand/oropened.Itprovidesanundated,oldbillingstatementindicatingimpendingachargeoffoftheaccountpresented.Itprovidesamundated,oldbillingstatementindicatingapastduebalanceoftheaccountpresented.Thereisnosupportivetoindicatedocumentationprovidedtosupporttheaccountbeingpastdue,theallegedamountpastdue,orhowthatamountwasconcludedandcalculated.

Theplaintiffalsoindicatedthisinthefirstsummons.ThisprecludesthestatementsthatANYsummonswasfiledtimelyonthebehalfoftheplaintiff.Itfurtherbringsintogreatquestionthevalidityoftheallegedfiledfirstsummonsthatisundatedandunsignedbyanycourtofficial.Thisalsobringsintotheintegrityofethicsoftheplaintiff.



Moreover,inXXXXofXXXX,theplaintifforiginallycompletedthesaidcomplaintallegedagainstthedefendant.Yet,thefirstANDONLYattempttocontactmeregardingthismannerwasXX/XX/XXXX.

Iagaingobacktotheplaintiffsattempttopresentanappearanceoftimelyandethicalpracticesinthiscase.AsIwasconcernedbytheunethicalpracticesbythisoffice,IbegantodosomepersonaldiscoveryonmyownabouttheXXXX,XXXX,&XXXXfirm.WhatIfoundisthatthisofficeconsistentlyhadmultipleviolatesoftheFairDebtCollectionsPracticesAct.Severalsuits,includingclassaction,havebeenfiledagainstthisoffice,notonlybyconsumers,butbygovernmentagenciessuchastheConsumerProtectionBureau.
Thisisexactlywhatthisofficeissubjectingmeto.Basedonthisinformation,notonlydoIfeelthiscaseshouldbedismissedwithprejudicebasedontheinformationprovided,IhavefiledcomplaintswiththeXXXXXXXXXXXXofMichigan,theMichiganAttorneyGeneral,ConsumerFinancialProtectionBureau,andtheFederalTradeCommission.


NOW,today,Ihavereceivedadefaultrequestinthemailfromthesameoffice,datedXX/XX/XXXX.PleasenotethatthedateofthepostmarkofthemailisXX/XX/XXXXforfailuretoappear.HOWEVER,IwasNEVERservedanypaperworktoeverappearregardingthismanner.IdidsubmitaresponsetotheirsummonsTIMELYonXX/XX/XXXX.However,onceagain,thisofficeunethicallyoperatesattemptingtocollectonadebtthattheyhavefailedtovalidateonSEVERALoccasionswhenthiswasrequestedinwriting.Yetagain,thisofficehasintentionallyfailedtomakeproperandtimelynotificationinattempttoillegalcollectagainstadebtthattheycontinuetoFAILtoproperlyvalidateinaccordancetothelaw.ThepracticesthisofficeutilizesisHIGHLYunethical,deceptive,andillegal.

Inclosing,Idonotagreewiththestatementsoftheplaintiff,ortheirattempttobringforthaclaimagainstmewhichtheyhavemademultipleconflictingstatementsoncourtdocuments.Inthiscomplaint,thedefendantmakesseveralfalsestatementsinregardstoattemptstoservemewithpropernotificationofthiscase.WiththenewestinformationIhaveprovidedaboutthepracticesofthisoffice,Idonotthinkitwouldfairorethicalforthiscasetomoveforward.