Consumer complaint received 2025-12-31 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: Glasser and Glasser, PLC
State: NC

Complaint narrative:
CONSUMER COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) Parties Involved Creditor : XXXX Bank Debt Collector / Law Firm : Glasser and Glasser, P.L.C. ( XX/XX/XXXX ) I. SUMMARY OF COMPLAINT I submit this complaint requesting investigation and enforcement action against XXXX Bank and Glasser and Glasser, P.L.C., a XX/XX/XXXX law firm, for systemic violations of the Fair Debt Collection Practices Act ( FDCPA ), including lack of notice, improper service of process, improper venue and forum shopping, lack of due diligence, and fraud on the court. 

These violations resulted in a default judgment entered in XX/XX/XXXX and the unlawful garnishment of my Bank XXXX XXXX account, without notice, service, or due process. 

Because Glasser and Glasser is a Virginia-licensed debt-collection law firm, this matter also raises serious professional and consumer-protection concerns appropriate for federal enforcement by the CFPB. 

XXXX. KEY FACTS I have been a resident ofXX/XX/XXXX for approximately XXXX ( XXXX ) months preceding all relevant collection activity. 

I moved to North Carolina and signed a residential lease on XX/XX/XXXX, Prior to that move, I was evicted from my apartment in XXXX, Virginia, on XX/XX/XXXX. 
This eviction is public record in the VXX/XX/XXXXXXXX Court and occurred in the same court system where the debt-collection case was later filed. 

Despite my XX/XX/XXXX residency and the existence of court records confirming that I no longer resided in Virginia, XXXX Bank and Glasser and Glasser pursued litigation and enforcement in Virginia, relying on an address from which I had already been judicially evicted. 

I did not receive any lawful notice of the debt, including : No initial written notice No validation notice No notice of my right to dispute the debt No notice of any lawsuit No summons or complaint No notice of the garnishment No exemption forms Because Glasser and Glasser failed to use reasonable diligence to locate me, I received no written communication, whatsoever as required by federal law. 

I first learned of Glasser and Glassers involvement only after Bank XXXX XXXX notified me of a garnishment attachment, which withdrew funds from my account on XX/XX/XXXX. 

I was never properly served at my correct XX/XX/XXXXaddress, despite that address being easily obtainable through : Credit reporting agencies Rental history Utility records Public court records documenting my XX/XX/XXXXeviction MXX/XX/XXXXaddress was clearly listed on : The Bank XXXX XXXX account I opened on XX/XX/XXXX My XXXX XXXX utility bill dated XX/XX/XXXX Despite this, Glasser and Glasser and XXXX Bank did not seek my correct address through any of these reasonable means. Instead, they continued to rely on a vacated Virginia address even as of XX/XX/XXXX to serve me with an additional summons for XX/XX/XXXX hearing in XX/XX/XXXXCourts. 

Notably, Glasser and Glasser did not even pull my credit report to locate my address until XX/XX/XXXX, months after : Obtaining the default judgment, and Garnishing myXX/XX/XXXX Bank XXXX XXXX account As of XX/XX/XXXX, I still have never received from Glasser and Glasser : A copy of the court order A copy of the writ of garnishment Any exemption forms Any written correspondence of any kind A default judgment was entered in XX/XX/XXXX, alleging that I failed to appear for a hearing on XX/XX/XXXX, in the XXXX XXXX XXXX Court on a Warrant of Debt. 

I was never notified of this hearing, and I was living inXX/XX/XXXX at the time. The allegation that I chose not to appear is false and misleading. 

Based on this judgment, my Bank XXXX XXXX account was garnished, causing direct financial harm, without notice, service, or due process, in a state where I did not reside and at a hearing I had no ability to attend. 

XXXX. FDCPA AND CONSUMER-PROTECTION VIOLATIONS XXXX. Failure to Provide Required Debt Validation 15 U.S.C. XXXX Neither XXXX Bank nor Glasser and Glasser provided the mandatory written notice of debt, validation notice, or dispute rights before initiating litigation or garnishment, despite multiple reliable means to locate my XX/XX/XXXXaddress. 

They continue to rely on a vacated XX/XX/XXXX address in order to maintain jurisdiction there, rather than in XX/XX/XXXX where I reside. 

XXXX. Improper Service of Process and Misrepresentation 15 U.S.C. XXXX and XXXX I was never personally served, nor was service attempted at my correctXX/XX/XXXXaddress, despite XXXX Bank and Glasser and Glasser having actual and constructive knowledge of my residency. 

Even after obtaining myXX/XX/XXXXaddress from my Bank XXXX XXXX account, Glasser and Glasser continued attempting service at the vacatedXX/XX/XXXX apartment, including as late as XX/XX/XXXX for an additional hearing in an improper venue, lacking personal jurisdiction and due process rights. 

This conduct constitutes an attempt to mislead the court into believing that service was proper or that due diligence was exercised, when it was not. 

Any affidavit or representation asserting proper service is false and misleading, in violation of federal law and constitutional due-process protections. 

XXXX. Lack of Due Diligence Glasser and Glasser failed to exercise reasonable diligence to locate me, despite readily available information through : Credit bureau data Public court records ( including eviction ) Banking records Rental and utility records Routine skip-tracing methods This failure reflects reckless disregard for consumer rights and due process. 

XXXX. Improper Venue and Forum Shopping 15 U.S.C. XXXXi Because I was an out-of-state resident of XX/XX/XXXX, filing suit and pursuing enforcement inXX/XX/XXXX violated the XXXX venue provisions and constitutes deliberate forum shopping designed to obtain a default judgment without notice. 

XXXX. Fraud on the Court The conduct of XXXX Bank and Glasser and Glasser constitutes fraud on the court, including : Filing or relying on false or misleading affidavits of service Misrepresenting personal jurisdiction and venue despite evidence of my XX/XX/XXXX residency Enforcing a judgment they knew or should have known was void Such conduct undermines the integrity of the judicial process and warrants enforcement and sanctions. 

XXXX. Unlawful Garnishment Because the judgment was obtained without proper service or personal jurisdiction, the garnishment of my Bank XXXX XXXX account was unlawful and unenforceable, resulting in financial loss. 

XX/XX/XXXX HARM CAUSED As a direct result of Respondents actions, I suffered : Financial loss from unlawful garnishment Deprivation of due-process rights Emotional distress Significant time and expense correcting improper legal actions XX/XX/XXXX PATTERN AND PRACTICE CONCERNS These actions reflect a pattern and practice of abusive debt-collection litigation, including : Venue abuse Improper service Reliance on default judgments Enforcement of void judgments XX/XX/XXXX. REQUESTED ACTION I respectfully request that the CFPB : Investigate XXXX Bank and Glasser and Glasser, P.L.C. for FDCPA violations Require cessation of unlawful collection and enforcement activity to include any proceedings in the state of XX/XX/XXXX and upon any personal assets Seek restitution for improperly garnished funds of XXXX Impose appropriate penalties and corrective measures Refer any misconduct to appropriate regulatory or disciplinary authorities

Company response to consumer: Closed with explanation