Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oak Harbor Capital, LLC
State: TX

Complaint narrative:
Cerastes LLC XXXX, embezzlement without due process of law defrauded our bank account at XXXX Bank. Cerastes , LLC conspiring with XXXX Bank, Justice of the Peace Court Precinct XXXX XXXX XXXX TX, Attorney XXXX XXXX XXXX and the law firm XXXX XXXX XXXX XXXX. XXXX, TX XXXX and XXXX collection agencies the law firm owns Cerastes LLC XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX by falsely claiming without documentation a Pledge Hold in the amount of {$4500.00}. Wirt of Garnishment Pledge Hold in the amount of {$2800.00}, failing to claim it as a Legal Hold. 

Each of the three parties falsely claimed action was filed in different courts to cover-up their participation if someone investigated they would not find legal action. 

No legal action filed no filing fee paid, no petition, no court order signed in a court with jurisdiction in XXXX XXXX TX. The law firm owned XXXX collection companies, they can switch successor in interest between the companies. 

The role played by each party : I - Cerastes , LLC, XXXX Role in the Embezzlement In XXXX XXXX of its sister company 's XXXX XXXX claimed to file court action in XXXX XXXX XXXX XXXX Place XXXX in XXXX XXXX TX, Assigned case number XXXX. Did not name XXXX Bank as defendant. 

Facts : 1. There is no Justice Court Precinct XXXX Place XXXX in XXXX XXXX TX 2. The law firm XXXX XXXX XXXX XXXX. never sent legal proof of service via certified mail return receipt. Confirmed by reviewing online tracking number. 

In XXXX XXXX of the sister company 's XXXX XXXX identified as plaintiff claiming it filed action in Justice Court Precinct XXXX Place XXXX in XXXX XXXX TX, Using a different defendant name with a middle initial. 

Facts : 1. There is no Justice Court Precinct XXXX Place XXXX in XXXX XXXX TX 2. The law firm XXXX XXXX XXXX XXXX. never sent legal proof of service via certified mail return receipt confirmed this by checking USPS tracking numbers online. 


II - Justice of the Peace Court Precinct XXXX, XXXX XXXX Texas, Role in the Embezzlement The court clerk and XXXX XXXX XXXX Justice of the Peace, Precinct XXXX, XXXX XXXX, TX allowed the law firm of XXXX XXXX XXXX, XXXX. to defraud bank account with XXXX Bank by using its XXXX collection agency firms and false claims of court documents filed by XXXX XXXX XXXX, XXXX. attorney XXXX XXXX XXXX ( XXXX ) in a XXXX XXXX TX court that does not exist. 

Facts : 1. Writ of Garnishment is fraudulent it states service is to be delivered to authorized agent XXXX XXXX XXXX in XXXX TX. ( National banks can not use agents for process service ) 2. XXXX Bank was never sued or served Writ of Garnishment in a legal court of jurisdiction in XXXX XXXX TX. 


III - XXXX Bank Role in the Embezzlement XXXX Bank never served Writ of Judgment XXXX Bank records claim it is for Pledge Hold an agreement to pay as collateral like on a loan. XXXX Bank mailed a copy ( Not the original customer copy XXXX ) with the account number manually blacked out, claiming jurisdiction filed in the court XXXX XXXX Texas # XXXX ( No court exist with this name in XXXX XXXX, TX. 

Facts 1. Branch XXXX Assistant Banking Center Manager claimed his bank has not received an original copy XXXX of the Notice of Garnishment. 
2. Branch Manager stated he has never seen a hold on Checking/ATM cards, he stated it was done to get our attention. 
3. Branch Manager could not answer why XXXX Bank placed a Pledge Hold ( Not a Legal Hold ) on our checking account in the amount of {$4500.00}. 
4. Branch Manager could not explain why his system did not show the Notice of Garnishment in the amount of {$2800.00}. 
5. Branch Manager could not explain why he could no issue a new Check/ATM card on our account. 

Clear case of Embezzlement, with no legal action filed.

Company response to consumer: Closed with explanation