Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To Whom It May Concern : I am formally submitting a complaint regarding the court filing submitted by attorney XXXX XXXX on XX/XX/XXXX, as well as fraudulent and harmful actions taken under her supervision before and after that filing, including a false affidavit of non-service submitted on XX/XX/XXXX. 

These actions violate federal and state consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Maryland Consumer Debt Collection Act ( MCDCA ), the Maryland Fair Debt Collection Practices Act ( Md. Code Ann., Com. Law 13-801 to 13-807 ), and constitutional protections under the Due Process Clause of the Fourteenth Amendment. 

My Experience and the Harm Caused On XX/XX/XXXX, I was offered a position at a major pharmaceutical company with onboarding scheduled to begin the very next day. On XX/XX/XXXX, this fraudulent case could and should have been removed from my records. Neither XXXX nor XXXX XXXX had an active account in my name at that time. My credit was nearly clean, and I had already begun preparing for that job. 

What I did not know is that XXXX months earlier, XXXX had fraudulently redirected my USPS mail and submitted defamatory claims in court that I was evading, unknown, or living at a bad address. They even had someone meet the mail carrier and falsely claim I had moved. This was done under XXXX supervision and a month before a fake tentative hearing set for XX/XX/XXXX. My mail was illegally redirected XX/XX/XXXX to an address for XXXX in Mt XXXX NJ. Both XXXX and XXXX XXXX knew this and its documented. I am still sufering from the trauma they have caused me from their corporate sponsored identity theft and mishandling of my data. 

I discovered on Maryland Case Search that I was being sued, despite no notice or documentation. My credit reports showed the debt listed as closed, canceled, and written off, yet there were years of derogatory marks, no account number, no transactional data, and inflated balances. These marks blocked me from financial opportunities, employment, and stability. 

They manipulated credit reports to hide identity misuse, caused inflated things like {$1.00} tolls to {$25.00} {$50.00} penalties, and pretended to sue me while holding none of the necessary account records. Tax garnishments, registration withholdings, job loss, loss of well being and I have never received a single piece of returned court mail from XXXX because they were having it forwarded to themselves. 

XXXX XXXX XXXX and Supervisory Failure Attorney XXXX XXXX supervised this fraud. She allowed filings in her name and under her direction including on XX/XX/XXXX and XX/XX/XXXX despite the illegal sewer service, mail tampering, and expired statute of limitations. XXXX had no file in my name, and yet they nearly destroyed my life with fraudulent court filings, blocked credit corrections, and misused public systems to trap me in litigation I could not see. 

She spent minutes filing what she knew was deceptive and caused me and my family years of harm. That job opportunity was just XXXX loss. I am still repairing the financial and emotional damage to this day. 

I had to buy my own case file from the clerk just to learn what was happening. I received no notice. I found out only after seeing a tax garnishment. 

Violations and Abuses A debt collector is prohibited from using any conduct that may be construed as harassment, oppression, deception, unfair practices, or tactics that deprive a person of their legal rights. 

I believe the following actions violate multiple federal and Maryland consumer laws : Faking as if templates and footer timestamps are court authorized documents and filing false affidavits of non-service with strategic and defamatory language such as evading, unknown, and bad address, despite no legitimate attempt to serve me ; Filing court summonses with no intent to notify me or pursue proper service, including filings near the expiration of deadlines to trigger default ; Proceeding with litigation even after knowing XXXX had fraudulently redirected my USPS mail to themselves ; Submitting filings long after the statute of limitations had expired ( last alleged payment in XX/XX/XXXX = XXXX expired XX/XX/XXXX ) ; Interfering with my credit, blocking disputes, and retaining control over mailed notices I was legally entitled to ; Causing tangible harm including job loss, missed hearings, emotional distress, and years of lost opportunities ; Retaining misdirected mail and never notifying me or the court ; Dismissing the case swiftly and quietly after I raised complaints. 


XX/XX/XXXX Filing Retaliatory and Improper The XX/XX/XXXX filing, personally submitted by XXXX XXXX, was retaliatory, unethical, and procedurally improper filed despite XXXX having received my redirected mail for XXXX months, and after I began raising formal complaints. This filing appears designed to take advantage of a system failure while denying me any chance to respond. 

I Request Answers to the Following : XXXX. What explains the sudden reactivation of this case between XXXX, XXXX and XX/XX/XXXX especially following my fraud reports? 
XXXX. Why did XXXX XXXX personally submit the XX/XX/XXXX filing, and what new evidence justified this filing? 
XXXX. Why was the filing submitted knowing court documents would be mailed to a fraudulently redirected address? 
XXXX. Please provide proof of all prior service attempts and justify the use of the following in filings ( especially by XXXX XXXX for XXXX XXXX ) : Bad address Unknown Evading XXXX. Did XXXX or XXXX XXXX have lawful grounds to pursue or renew this case in XXXX or XXXX, given that : The original XXXX service was invalid, and The statute of limitations likely expired by XX/XX/XXXX? 
XXXX. Why was the case dismissed, and who made that decision? 
XXXX. What was the applicable statute of limitations, and did any filings occur after that period had closed? 
XXXX. Was my constitutional right to due process including proper service and notice upheld in this case? 

I Have Evidence to Support These Claims : USPS COA records showing redirection of my mail to XXXX ; Screenshots of XXXX website before and after they changed their address ; Phone logs and written complaints confirming XXXX and Capital XXXX contact ; No returned mail ever received from XXXX despite XXXX notices being mailed ; Maryland XXXX XXXX records and credit reports showing contradictory and manipulated data. 

Some Applicable Legal Violations Federal FDCPA ( 15 U.S.C. 1692 et seq. ) Violations include : 805 / 1692d Harassment or abuse 806 / 1692e False, deceptive, or misleading representations 807 / 1692f Unfair or unconscionable means 809 / 1692g Failure to provide debt validation Maryland Consumer Debt Collection Act ( MCDCA ) Md. Code Ann., Com. Law 14-202 ( 3 ) False or defamatory credit information ( XXXX ) Abusive communication ( XXXX ) Enforcing a right without legal standing Maryland Fair Debt Collection Practices Act ( MFDCPA ) Md. Code Ann., Com. Law 13-801 to 13-807 Especially 13-803, prohibiting any violation of the federal FDCPA U.S. Constitution Fourteenth Amendment Violation of your right to due process under law Final Statement This was not a mistake. It was a coordinated, deceptive strategy to mislead the court, block me from access, and extract a judgment without process. 

XXXX XXXX is an experienced attorney and compliance leader. She was XXXX XXXX of the XXXX XXXX XXXX XXXX and knows exactly what proper legal procedure requires. Her filings and her silence in the face of misconduct reflect a clear pattern of abuse of power, intentional concealment, and disregard for justice. 

They lied about me in official court records. They misused the legal system to defame, harm, and silence me. When I spoke up, they dismissed the case to escape accountability. 

Request for Action I am asking for : A formal investigation into the conduct of XXXX XXXX, XXXX and XXXX XXXX ; A point-by-point written response within 15 days ; The opportunity to provide supporting evidence in full ; Appropriate disciplinary and legal consequences and maximum civil penalties to deter these egregious acts from continuing to harm myself and the multitude of others whose cries go unheard. I assure you that these people are a public hazard and I urge the CFPB to step up and help victims. We can not have professionals with access to our PII and thoughts of being invincible continue to play with the lives of the innocent. 

This is no longer about just debt, this is about abusive and criminal conduct. This causes life long impact and needs to be stopped! This should have been out of my life for certain XX/XX/XXXX, now its late XXXX.

Company response to consumer: Closed with explanation