Ruotolo V AFNI Chase Receivables Debt Collector PDF
Ruotolo V AFNI Chase Receivables Debt Collector PDF
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STATE OF RODE ISLAND A PROVIDENCE PLANTATIONS
PROVIDENCE, SC.
WILLIAM J. RUOTOLO,
Plainti
v:
A, INC.
CHASE RECEIVABLES,
SUPERIOR COURT
CIVIL DOCKET# C.A. PC14-
A PROFESSIONAL COLLECTION AGENCY,
CHASE RCEIVABLES, INC.,
CONVERGENT OUTSOURCIG, INC., and
EOS CCA,
Defendants
NOTICE OF A LAWSUIT AN REQUEST TO WAIVE SERVICE OF A
SUMONS
To: EOS CCA
700 Longwater Drive
Norwell, M 02061
A lawsuit has been commenced against you (or the entity on whose behalf
you are adcessed). A copy of the complaint is attached to this notice. It has been
filed in the Superior Court of Rode Island fr the County of Providence ad has
been assigned docket number identifed above.
This is not a fimal sum ons or notifcation fom the court, but rather my
request that you sign and retur the enclosed waiver of service in order to save the
cost of serving you with a judicial summons and an additional copy of the
complaint. The cost of service will be avoided if I receive a signed copy of the
waiver within thirty (30) days aer the date designated below as the date on
which this Notice and Request is sent. I enclose a sta1ped and addressed
envelope for your use. A extra copy of the waiver is also attached fr your
records.
If you comply with this request and ret the signed waiver, it will be
fled with the colrt and no suons will be served on you. The action will then
proceed as if you had been served on the date the waiver is fled, except that you
-
J Ai l 4 .2014.
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 2 of 45 PageID #: 5
RUOTOLO v. EOS CCA. et al., PC2013-To Be Determiner
w
ill not be obligated to answer the complaint befre 60 days fom the date
., designated below as the date on which this notice is sent (or befre 90 days fom
that date if your address is not in the United States) .
If you do not retu the signed waiver within the time indicated, I will talce
appropriate steps to efect frmal service in a ma er autorized by the Superior
Cou Rules of Civil Procedure and will then, to the extent authorized by te
Rules, ask the cou to require you (or the pay on whose behalf you are
addressed) to pay the fll costs of such service. I that connection, please read te
statement concerg the duty of paies to waive the service of te sumons,
which is set frth on the reverse side (or at the fot) of the waiver frm.
I afrm that this request is being sent to you on behalf of the plaintif, this
22n
d
day of January, 2014.
2
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 3 of 45 PageID #: 6
RUOTOLO v. EOS CCA. et al., PC2013-To 13c Determined
WAIVER OF THE SERVICE OF SUMMONS
To: WILLIAM J. RUOTOLO, PLAINTIFF
(ame of the plainti's attorney or unrepresented plaintif
I have received your request to waive service of a summons in this action
along with a copy of the complaint, two copies of this waiver frm, and a prepaid
means of returing one signed copy of the frm to you.
I, or the entity I represent, agee to save the expense of serving a su ons
ad complaint in this case.
I understand that I, or the entity I represent, will keep all defnses or
objections to the lawsuit, the court's jurisdiction, ad the venue of the action, but
that I waive any objections to the absence of a su ons or of service.
I also understand that I, or the entity I represent, must fle and serve an
aswer or a motion under Rule 12 within 60 days fom the date when this request
was sent (or 90 days if it was sent outside the United States). If I fil to do, so, a;:
:
defult judgment will be entered against me or the entity I represent.
Date:
Signature of the attorney or unrepresented part
Printed name of part waiving service of summons
Address
E-mail address
Telephone number
Duty to Avoid Unnecessar Expenses of Sering a Summons
Rule 4 of the Federal Rules of Civil Procedure requires certain defndants
to cooperate in saving unnecessa expenses of serving a su ons and
complaint. A defndant who is located in te United States and who fils to
ret a signed waiver of service requested by a plaintif located in the United
3
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 4 of 45 PageID #: 7
RUOTOLO 1' EOS CCA. et a/.,PC201 3-To Be Determined
States will be required to pay the expenses of service, unless the defndant shows
good cause for the filure. "Good cause" does not include a belief that the l awsuit
is groundless, or that it has been brought in a improper venue, or that the court
has no jurisdiction over thi s matter or over the defndant or the defndant's
property.
If the waiver i s signed and returned, you can still make these and all other
defenses and objections, but you canot object to the absence of a summons or of
service.
If you waive service, then you must, within the time specifed on the
waiver frm, serve an aswer or a motion under Rule 12 on the plaintif and fle a
copy with the cou. By signing and retuning te waiver frm, you ae allowed
more time to respond than if a sumons had been served.
C:\wjr\wjr\RUOTOLO v. ani, chase receeivables, convergent outsourcing, eos
cca\complaint\notice of law suit- eos, cca - 01.22.2014.doc
4
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 5 of 45 PageID #: 8
--- -----------. ---
STATE OF RODE ISLAND AND
[ Providence/Bristol County
Licht Judicial Complex
250 Beneft Street
Providence, Rhode Island 02903
D Kent County
Noel Judicial Complex
222 Quaker Lane
Wawick, Rode Island 02886
William]. Ruotolo
Plaintif
v.
AFI, Inc., ct a.
Defendant
To the above-names Defendant:
PROVIDENCE PLANTATIONS
SUPEROR COURT
D Newport Count
Mun-ay Judicial Complex
45 Washington Square
Newport, Rho.de Island 02840
D Washington County
McGrath Judicial Complex
4800 Tower Hill Road
Wakefeld, Rhode Island 02879
I
Civil Action, File Number
SUMMONS
EOSCCA
700 Longater Di:ive
Norwell, M 02061
. The above-named Plaintiff has brought an action against you insaid Superior Court in the county indicated
above. You are hereby sum oned and required to serve upon
William]. Ruotolo
, te Plaintifs attorey, whose address is
PO Box 111, North Scituate, R 02857
\
an
answer to the complaint which is herewith served upon you within twenty (20) days after service of this
sum ons upon you, exclusive of the day of service.
If you fil t do so, judgment by defult will be taken. against you fr the relief deminded in the complaint.
Your answer must also be fled with the court.
As provided i Rule 13(a) of the Superior Court Rules of Civil Procedure, unless the relief demanded in
te complaint is fr damage arising out of your ownership, maintenance, operation, or control of a motor
vehicle, or unless otherwise provided in Rule 13(a), your answer must state as a counterclaim any related
claim which you may have against the Plaintif, or you will thereafer be ba11ed from making such claim in
any other action.
Clerk
Dated:
(Seal of the Superior Court)
Superior- I (revised October 2012)
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 6 of 45 PageID #: 9
wrLLIAirJ. RuoToLo
January 6, 2014
Clerk of Court
PROVIDENCE SUPERIOR COURT, CIVIL
250 BENEFIT STREET
PROVIDENCE, R 02903
RE: William J. Ruotolo, Plainti
v.
AFNI, Inc., et al., Defndants.
C.A. PC14-To
.
Be Detennined
Dear Sir/adae:
Enclosed fr fling please fnd the fllowing:
*
Defendants
COMLAINT :Y PLAINTIFF, WILLIAM J. RUOTOLO.AGAINST
. DEFENDANTS, AFNI, INC., CHASE RCEIVABLES, A PROFESSIONAL
COLLECTION AGENCY, CHASE RECEIVABLES, INC., CONVERGENT
'OUTSOURCING, INC., AND EOS CCA
NOW COMES the Plaintif, WILLIAM J. RUOTOLO and states as
fllows:
1. The Plaintif, WILLIAM J. RUOTOLO, is a Rode Islad resident ..
whose curent address is PO Box 111, North Scitiate, R 02857.
2. The Defndat, A, INC., is an entity incororated in the state
of Illino. is and is a cororation which provies debt collection services,
has a usual
business address listed
.
as 310 Main Luther King Drive, Bloomington, IL
6
1702-
3517, and whose registered agent fr service of process
is Gregory J. Donovan,
404 Brock Drive, Bloomington, IL 61701.
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 9 of 45 PageID #: 12
RUOTOLO i. EOS CCA et a/.,PC201 3-To Be Determined
if,
3. Te Defendant, CHASE RCEIVABLES, A PROFESSIONAL
COLLECTION AGENCY, is an entity inco1porated in the state of Califria and
, j ,
is a cororation which provic;es debt collection services, has a usual business
i . : *
address listed as 1247 Broadway, Sonoma, CA 95478, and whose registerci agent
fr service of process is TeITemce L. Paff, 951 Califra,
Blvd., Napa,
cA
94559 .
.
i
4. Te Defendant, CHASE RECEIVABLES IC., is an entity
incororated in the state of Califria ad is a cororation wich provides debt
collction services, has a usual business address listed as 124 7 Broadway,
. Sonoma, CA 95478, and whose registered agent fr service of process is
Tenemce L. Paf, 951 Califrnia, Blvd., Napa, CA 94559 and
.
as of November 22,
2013, the Secretary of State's website indicates tis entities status is
"SUSPENDED."
i
5. The Defndat, CONVERGENT OUTSOURCING,
.
INC., is a
entity incororated in the state of Washington ad iS a cororation which provides
debt collection services, has a usual business address. listed as 800 SW 39th
Steet, PO Box 9004, Renton, WA 98057, and whose registered agent fr service
of process is Steven J. Hunter, 800 SW 39
th
Street, WA 98057"9004.
i 6
.
.
The Defendat, EOS CCA, is an entity which is engaged in debt
col!ection throughout the United States with a usual place of business at 700
Longwater Drive, Norwell, M 02061, and its inten1et website indicates the
fllowing concering
BOS CCA: "The EOS Group is a group of companies active
'troughout the world, with more tha 40 subsidiaries and associaed companies in
2
* +
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 10 of 45 PageID #: 13
RUOTOLO v. EOS CCA. et a/.,PC20l3-To Be Dctcrmined
'
.
over 20 counries. Its headquater aie in Hamburg (Germany)," and that "EOS
.
.
CCA is headquartered just outside Boston in Norwell, Massachusetts." See
http://Ww. eos-cca.com/AboutEOSCC/tabid/56/Defult.aspx. It is not
registered with the Massachusets Secretary of State, Coiporatioris Division under
.. .
' .
.
the name EOS CCA. BOS CCA is a entity which provides debt collection
services.
i
7. Beginning in, or aiound Januay, 2012, and at times thereafer, the
Defndants, and or their predecessors or assigns, at various times provided debt 1
collection serices to creditors and purported creditors to the best of the Plaintiff's
.
. .
knowledge a1d belief.
, 8. In, or around January, '2012, the Defendants, were subject to The
Fair Debt Collection Practices Act -Pub. L. 109-351,
.
S01-8l9, 120 Stat. 1966
((2006)) and 15 U.S.C. 1692-1692p and The Rhode Islad
.
Fair Debt
CollectionPractices R. I. G.L. 19-14.9-1 through 19-14.9-14 . .
, 9
.
In, or ao
1
d Jauary, 2012, the Defendats, ad or their
predecessors or assigns, were aware that the Plaintif contested the debt ad proof
\
.
of debt and requested documents, information and proof of debt \y, inter alias,
requesting the fllowing:
a. "It was requested that tey provide, within fve (5) business days
a1y proof of claimed debt owed.
b. A brakdown of the claimed debt with respect to amounts owed
and dates on which claimed debt was owed .
.'
3
\'
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 11 of 45 PageID #: 14
RUOTOL01' EOSCCA.eta/.,PC2013-To Be Determind
c. It is requested that they provide proof of signatres on a claimed
debt owed.
d. It is requested that they immediately advise who the original
claimed creditor was and wheter the claimed debt has been
purchased ad by whom.
e. They were requested to provide all notices and documentation
required in compliance with the Federal Far Debt Collection
Practices Act.
f. I is requested that they provide proof of debt ad signatures of
t
he
purorted debtor from their predecessors collection agents and the
claimed Creditor, if any.
g
.
It is requested that they provide any and all documentation with .
respect to how the original creditor, successive creditor(s), or any
collection agency has calculated the aount which is claimed to be
owed.
h. I is requested that any and all documentation purorting to be. a
contact on wch tey or ay creditor with a interest in the above
between the undersigned and the ORIGINAL creditor.
i. Infrmation identifing the name of any purchaser or purchas
rs of
the claimed debt.
j . It ,is requested that any contract purorting to sell or transfr any
debt obligation wich claims to involve the Creditor named i their
communications to the Plaintif
4
(
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 12 of 45 PageID #: 15
RUOTOLO 1'. BOS CCA. et al =
PC2013-To Be Determined
k. Any and all docuentation related tp notices sent. by VERIZON
concering claimed delinquency with' respect to an account in the
name of the undersigned fr the past three (3) years.
1. Any and all documentation refecting payments nade to VERIZON,
including but not limited to, copies of cancelled checks, electronic
payments fom the undersigned's ba account, ad a other
electonic payments made t o VERIZON."
10. The Defndants filed to comply with a majority of the requests.
and filed to comply with Te Fair Debt Collection Practices Act - Pub. L. 109-
351, 801-819, 120 Stat. 1966 ((2006)) and 15 U.S.C. 1692-1692p and The
Rhode Island Fair Debt Collecti01) Practices R.I. G.L. 19. -14.9-1 through 19-
14. 9:14.
11. , ' addition to the above, the Defndats provided infoimation to
te Plaintif that was flse and/or misleading with the intent that the Plaintif rely
on said inforation to his fnancial dtriment.
, 12. A a direct and proximate. cause of the acts of Defndants' conduct?
misrepresentation, bad fat, and faud, the Platif was fnancially harmed.
CAUSES OF ACTION
COUNT I
(Violation of The.Fair Debt Collection Practices Act- Pub. L. 109-351,
801-819, 120 Stat. 1966 ((2006)) and 15U.S.C. 1692-1692p)
, 13. Te Plantif, WLLIAM J. RUOTOLO, repeats and re-avers
paagraphs 1tough 12 above as if they were stated here verbathi1.
5
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 13 of 45 PageID #: 16
RUOTOLO V EOS C'CA. a/., PC2013-To Be Determined
i
14
.
Beginning in, or around January, 2012, and at times thereafer, the
Defndants, and or their predecessors or assigns, at various times provided
communication
i
15. In, or around January, 2012, the Defendants, were subject to Tliv
Fair Debt Collection Practices Act-Pub. L. 109-351, 801-819, 120 Stat. 1966
((2006)) and 15 U.S.C. 1692-1692p and The R1ode Island Fair Debt
Collection Practices R.I. G.L. 19-14.9-1troug 19-14. 9-14.
i
16. I, or aroud January, 2012, the Defndans, and or their
predecessors or assigns, were aware that the Plaintif contested the debt and proof .
of debt and requested documents, information and proof of debt by, inter alias,
requesting the fllowing:
a. "It was requested that they provide, within fve (5) business days any
proof of claimed debt owed.
b. A breadown of the claimed debt with respect to amounts owed and dates
on which claimed debt was owed.
`
c. It is requested that they provide proof of signatures on ay claimed debt
owed.
d. I is requested that they immediately advise who the original claimed
creditor was and whether the claimed debt has been purchased and by
whom.
e. They were requested to provide all notices and documentation required in
compliance with the Federal Fair Debt Collection Practices Act.
6
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 14 of 45 PageID #: 17
RUOTOW 1',BOS CCA. tal., PC2013-To Be Determined
f. I is requested_ that they provide proof of debt and signatures of the
purported debtor fom their predecessors collection agents and the claimed
Creditor, if ay.
g. It is requested that they provide aiiy and all documentation with Tespect to
+ .
how the original creditor, successive creditor(s), or a1y collection agency
has calculated the amount which is claimed to be owed.
h. It is requested that ay ai1d all documentation puorting to be a co
1
tract
on which they or any creditor wth an interest in the above between the
undersigned and the ORGIAL creditor.
i. Infrmation identifing the nan1e of any purchaser or purchasers of the
claimed debt.
j
. I is requested that any contract
purporting to sell or trai1sfr any debt
obligation which claims to involve the Creditor naed in their
communications to the Plaintif
w
RUOTOLO 1. EOS CCA. Cal .,PC2013-To Be Determined
351, 801.8
.
19, 120 Stat. 1966 ((2006)) and. 1
?
U.S.C. 1692-1692p and The
Rhode Island Fair Debt Collection Practices R.I.G.L. . 19-1(9-1 trrough 19-
14.9-14.
18. As a direct and proximate cause of the acts of Defendans' conduct,
misrepresentation, bad fath, ad faud, the Plantif was fnancially hanned.
I addition to the above, the Defendants provided infrmation to the Plaintif that
. .
was false and/or misleading with. the intent that the Plaintif rely on said
infonnation to his fnancial de, timent.
19. WREFORE, te Plaif, WLIA J. RUOTOLO, demands
judgment against te Defndats, AFNI, INC., CHASE RECEIVABLES , A
PROFESSIONAL COLLECTION AGENCY, CHASE RECEIVABLES, INC.,
CONVERGENT OUTSOURCING, INC., and EOS CCA, jointly and severally, i
the anlout of $70,000:00 plus interests, costs, and attomeys fes and fr whatever
oter damages the Court sees fit and just.
COUT I
(iolation of The Rhode Island Fair Debt CollectiOn Practices R.I.G.L. 19-
14.9-1 through 19-14.9-14)
.
20. The Plaintif, WLIAM J. RUOTOLO, repeats and re-avers
paragaphs 1 though 19 above as if tey were stated here verbatim.
21. Beginning in, or around January, 2012, and at times thereafer, the
Defndants, and or their predecessors or assigns, at various times provided
comunication
22. In, or arotmd January, 2012, the Defndats, were subject to The
Fair Debt Collection Practices Act -Pub. L. 109-351, 801-819, 120 Stat. 1966
8
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 16 of 45 PageID #: 19
RUOTOLO 1' BOS CCA. Ca/., PC2013-To Be Determined
((2006)) and 15 U.S.C. 1 692-1 692p
teir
corntmications to the Plaintif.
k. Any and all documentation related to notices sent by VERIZON concering
claimed delinquency with respect to al account in te name of the
undersigned fr the past three (3) years.
1. Any ad
.
all documentation refecting payments made to VERIZON,
including but not limited to, copies of cancelled checks, electronic
payments fom the 'undersigned's bmlic account, and any other electronic
payments made to VERIZON."
' 24. The Defndm1ts filed to comply with a majority of the requests
and failed to comply with The Rhode Island Fair Debt Collection Practices
R.I.G.L. 19-1 4.9-1 through 19-14.9-14.
' 25. As a direct mid proximate cause of the acts of Defndants' conduct,
misrepresentation, ad faud, the Plaintif was fnancially hrumed.
' 26. WRFORE, the Platif, WILLIAM J. RUOTOLO, demands
judgment agaist te .Defndants, AFNI, INC., CHA$E RECEIVABLES , A
-
)
PROFESSIONAL COLLECTION AGENCY, CHASE RCEIVABLES, INC. ,
. .
10
I
1
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 18 of 45 PageID #: 21
RUOTOLO V. EOS CCA. a/.,PC2013-To Be Determined
CONVERGENT OUTSOURCIG, INC., and BOS CCA, jointly and severally, in
te amount of $70,000.00 plus interests, costs, and attoreys fes and fr whatever
)
other damages the Court sees ft and just.
III
(raud)
i
27. The Plaintif repeats and re-avers paragraphs 1 though26 above as if
they were stated here verbatim.
i
28. In, or around January, 2012, the Defendants, were subject to The
Fair Debt Collection Practices . Act - Pub. L. 109-351, '801-819, 120 Stat. 1966
. .
((2006)) and 15 u.s.c. 1
?
92-1692p and The Rhode Islad Fair
Debt
Collection Practices R.I.G.L. 19-14.9-1 tl ough 19-14.9-14.
i 29. I, or aound January, 2012, the Defndants, ad or their
predecessors or assigns, were aware that the Plaintif contested the debt and proof
of debt and requested documents; inorJation and proof of debt by, inter alias,
requesting the fllowing:
a. "It was requested that thy provide, wti fve ( 5) business days any
\ '
proof ofdaimed debt owed.
b. A breadown of the claimed debt with respect to amounts owed and dates
on which claimed debt was owed. (
c. It is requested that they provide proof of signatues on any claimed debt
owed.
d. It is requested that they immediately advise who the original claimed
creditor was and whether the claimed debt has
.
been purchased and by
whm.
11
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 19 of 45 PageID #: 22
RUOTOLO \' BOS CCA, et a/ oy PC2013-To Be Determined
+ *
e. They were requested to provide all notices and docunientation required in
compliance with the Federal Fair Debt Collection Practices Act.
f. It is requested that they provide proof of debt and signatures of .the
purorted debtor fom their predecessors
collecti01i agents and the claimed
Creditor, if any ...
g
.
I is requested that they provide any and all documentation wth respect to
how the. origial creditor, successive creditor(s), or any collection agency
has calculated te amount which is claimed to be owed.
h. It is requested that any and all docume1itatio11 purporting to be a contact
J
on which they or any creditor with an interest in te above between the
undersigned ad the ORIGINAL creditor.
i. Infrmation identifying the name of a purchaser or purchasers of the
cfaimed debt.
j.
It is requested tat any contact purporting to sell or transfi any debt
obligation which claims to involve te Creditor named in their
. commUnications to the Plaintif.
k. Any and all documentation related to notices
sent by VERIZON concering
claimed delinquency with respect to an account in the nae of the
undersigned fr the past tluee (3) years.
1
I. Any and all documentation refecting payments made to VERIZON,
including but not limited to, copi. es of cancelled checks; electronc
payments fom the undersigned's bank account, :nd any other electronic
payments made to VERIZON."
12
.
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 20 of 45 PageID #: 23
1
. \
RUOTOLO V. EOS CCA. al ,1'2013-To Be Determined
30. The Defndants filed, to comply .with a majority of the requests
.
+
+
,
* :
+
*
ad failed to co1nply with The Rhode Island Fair
Debt
Collection Practices
R.I.G.L. 19-14.9-l through 19-14.9-14.
31. As a direct ad proximate cause of the acts of Defndants' conduct,
misrepresentation, and faud, the Plaintif wa fnacially.ha ed.
32. As of te writing of this Complaint, the Defendats have faled to
provide the information requested above.
33. The Defndants, witout cause, justifcation, or excuse, faudulently
misrepresented facts to te Plantif wth the intent
.
that he rely upon them to his
financial detiment as well a:
a. Made fase and/or misleading statements, with fll
knowledge tat such statements were false and/or misleading or, in te
alterative, should have known that such statements were false and/or
misleading tat had, an
.
have, the capacity, tendency, or efect, of
misleadig ad/or deceiving, Rhode Island Consuers and more paicularly
mislead or deceived te Plaintf;
or purchaers of the
claimed debt.
j. I is requested that any contact purorting to sell or transfr any debt
obligation which claims to involve the Creditor .named m their
communications to te Plaintif.
k. Any ad all doc1 entation related to notices sent by VERIZON concering
claimed delinquecy wit respect to an account m the name of the
undersigned fr the past three (3) years.
I. Any and all documentation
refecting payments made to VERIZON,
including but not lin1ited to- , copies of cancelled checks, ele. ctroni
J
payments fom the undersigned's bank account, and any other electronic
payments made to VERIZON."
16
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 24 of 45 PageID #: 27
. . .'
RUOTOLO v. EOS CCA. et al., PC2013-To Be Determined
, 39. The Defendants filed to comply with a majority of the requests
and
failed to comply with The . Rhode Island Fair Debt Collection Practices
R.I.G.L. 19-14.9-1 tlough 19-14.9-14.
, 40. As a direct and proximate cause of the act: of Defndants' conduct,
misrepresentation, and bad faith, and faud, the Plantif was fmancially hamed.
41. As of the writing <f this Complaint, the Defndants have filed to
provide the information requested above.
, 42. The Defndants, without cause, justifcation, or excuse, faudulenty
-
misrepresented fcts to te Plaintif with the intent that he rely upon them to his
fnancial detment as well as:
a. Made flse andior misleading statements,. wit11 fll .
knowledge that such statements .were 'false and/or misleading or, in the
.
alterative, should have known that such statements were flse and/or
misleading that had, and have, the capacit, tendency, or efect, of
misleading and/or deceiving, Rhode Island Consuers and more particulaly
mislead or deceived te Plaintif;
b. Failed to state material fcts concerg a contact entered
into between Verizon and Plantif;
c. Attempted to collect a debt fom the Plaintif had no proof of
contact under wich they could collect monies fom the Plaintif;
d. . Faled to conr or take reasonable steps to ensure that the
debt .had n0t been contested to the puorted Creditor;
17
\.
"
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 25 of 45 PageID #: 28
RUOTOLO'" EOS CCA. el a/.,PC2013-To Be Delermined
e. Failed to confrm or tace reasonable steps to ensure tat the
debt had not been contested to p
-
'
U . S . POSTAGE
|010
J00H8\0H.8!
02919
J0H 2. 14
f h0JH\
RJ
;l. l
00046785-13
i
- f
,,
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 30 of 45 PageID #: 33
l
'
RUOTOLO 11. EOS CCA, et a/.,PC2013-To Be Determined
WAR OF JMSERVCE OF SU ONS
To: !LLIAMJ. UOTOLO,V!A!UTIFr
(ame ofthe plaintif 's attorey or unrepresented plaintif
.
. I have received yolr request f waive s.ervice of a siu ons ii tis actio
along wit a copy of the complaint, two copies of ts waver D, and a prepaid
means ofretng one signed copy of te Dto you.
.
I, or te entty I represent, agee to save te expense of serving a sum ons
and complaint in ts case.
I understand that , or the entt I represent, wilI keep 0 defnses or
objections to the lawsuit, te court's jursdiction, and te venue of te action, but
tat I wave ay objections to te absence of a sumons or of servce.
I also understand that I, or te entit I represent, must fle ad serve a
answer or a motion uder Rule Z WU 60 days fom te date when ts request
was sent (or 90 days if it was sent outside te Unted States). IfI fal to d. so, 8,'
defut judgent will be entered agast me or te ntit I iepresent.
Date: J/ /
.
Printed name ofpart waiving service ofsummons
. / /
E-mail a
dr
02/
Telephone numer
Dut to Avoid Unnecessar Expenses of Sering a Summons
Rule 4 of te Federal Rules of Civl Procedure requires certain defndants
to cooperate in
.
saving uecessa exenses of servig a sumons and
complait. A defndat who is located in te Unted Staes and who fils to .
ret a siged waver of service requested by a plaiif located U the United
J
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 31 of 45 PageID #: 34
RUOTOLO 1' EOS CCA et t.,PC20.13To Be Determined
States will be requied to pay te exens\s of service, tess te defndat shows
good cause fr te failure. "Good cause" does not include a belief tat te lawsuit
is groudless, OJ tat it has been brought in a improper Venue, or tat the court
has no jursdiction over this mater or over te defendant or te defendant' s
prope. _ __ _ _ _ _
_ _ _
.
_ __ _
_
_ _
_ _ _. _
Ute waver is signed and returned, you can still mae tese and all oter
defnes ad objections, but you canot object to the absence of a summons or of
service.
U you waive service, ten you must, wt the time specifed on te
waiver frm, serve a answer or a moton under Rule Zon the pla if and fle a
copy wt the court. By signng and returning te waver frm, you are allowed
more te to respond tan Ua s ons had been served.
.
C: \wjr\wjr\RUOTOLO v. ai, c.hase receeivab/es, co1rvergent outsourcing, eos
.
cca\complaint\notice oflaw suit - eos, cca - 0 .22.20 1.doc
4
I
.
Sonoa,C
~ ~ =.
CHASERECEIVABLE$,APROESS!OHALCOLLECTIOHAGEHCY
TcrrcmccL.Pa
Rcislcrcd/gcnlmrScrviocot Proccss
9JI CaIimma,BIvd. ,
Napa,CA94JJ 9
CHASERECEIVABLES,DC.
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Sonoma, CA9J47&
CHASERECEIVABLES,DC.
TcrrcmccL.Pa
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RcgislcrcdAgcnlmrScrviccoIProccss
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Hapa,CA94JJ9
COHVERGEHTOUTSOURCDG,IHC.
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~.=+ = = = +== = ~ = . += = = + + = =
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CONVERGEHTOUTSOURC!HG,IHC.
SIc?cnJ.Hunlcr
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-
RcgislcrcdAgcnlmrScrviccoIProccss
&OOSWJ9ILSlrccl
WA9&OJ7-9OO4
PO Box 1 1 1, NoRTl l ScJTUATL, RI 02857 I 401 .489. 1051 I w1 1.1.. J AMJRU0Tow@GMA1 1 .. coM
ADMIT'Jm I RHODE ISLAND I MAssAc1-1usr:ns
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 33 of 45 PageID #: 36
,,
w|i.ii.\ n . RUOTOJ.O
A'nORNlY & COLINS!U.t.OR 1\T L!\W
EOS CCA
7OOLongvalcrDrivc
HorvcII,MAO2O6I
R. CIaimcdOriginaICrcdilor. Vcrizon
AHI,IiC.- CIaimcdOriginaICrcdilor. Vcrizon
Accounl #. OJ77J2277-OI 77&JOO2J6JO9O6OJ
CLascRcccivabIcs- Account #.O94J77&7
CrcdilorAccl#.77&J OO2J63O9O&OJ
U
ConvcrgcnlOulsourcing,Inc.- Accounl #.77&JOO2J6JO9O&OJ
ConvcrgcnlAccomlHo.B-J I 77794O
EOSCCA- Accounl #. I OJJ I I O4
RcRrcncc#.77&JOO2J6JO9O&OJ
DcarSir/Madamc.
COMLAIHT BY PLAIHTI,WILLIAMJ. RUOTOLO AGAIHSTDEEHDAHTS,AHI,
INC. , CHASE RECEIVABLES, A PROESSIOHAL , COLIECTIOH /GEHCY,
COHVERGEHTOUTSOURCDG,IHC. ,AHDEOSCCA
SLouId you visL lo discuss rcsoIulion prior lo Iiligalion bcing inslilcd, pIcasc conlacl lLc
undcrsigncdinvrilingviacmaiIbylLccIoscoIbusincssonHovcmbcr29,2OI J.
SinccroIy,
WiIIiJ. RuoloIo
CONFmENTIAL COMMLJNICA TION & DISCLOSURE
This c.ommunication and any files transmitted with it i n hard copy or electronically nre confidential and intended solely fr the use of the
individual or entity to whom/which they are addressed.
Pleae. note that 18 U.S.C. 251 0, ct seq., providts fod0ral criminal nnd civil pennlties for the unauthorized reading l11'this e-mai l if you ore not the
- - - - intended recipicnt-numld-nbove:-'fhis-communication-contains ctinl1den1iul inf1mation-and-is-intended-only-for-the-individunl-11nmed; -l f-you<1rc------- ---
not the nnmed addressee you should not disseminate, distribute or copy this e-mnil. Please noti.fy the sender i mmediately by e-mail if you hnve
rcceiwd this e-mnil. If you nre not the i ntended recipient yon are notifed thnt disclosing, copying, distributing or tnking nny nction in reliance on
the contents of this i nformation i s strictly prohibited.
IRS Ci rcular 230 Notice: Any U.S. tax ndvice found to he included in this publ icntion is not intended or written to be used, nnd cannot be used,
_ Jor.t_q punms.e 9f av9iding U.::, tl_pcna_ti_es _q_r_lbr, proctil!, ll}al}ing . . or recmn_1enljl}g \u 1!er pny lllY taxre)attd_ mntter_ a_IIlresecl_
herein.
The Rhodu lslnnd Supreme Court licenses nil lawyers i n the general prncticc of l aw. The court does not l icense or certify nny lawyer ns nn expert
or special ist in any field of practice. Rhode lslaud ffoles ofPrq(ssional Canduct Rule 7.4 (rls amended by the caurt on December 16. 1997:
April I 5, 2|0/) .
C:\wjr\11ir\RUOTOLO v. afni, chase receivables, convergent outsourcing, cos cca\oint lette1\joint letter- 1 1 .24.201 3.doc
2
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 34 of 45 PageID #: 37
+. . &.
`
STATEORODEISLAlDAHDPROVIDEHCEPLATATIOHS
PROVIDEHCE,SC.
WILLIAMJ. RUOTOLO,
Plainti
v.
AHI,IHC. ,
CHASERCEIVABLES,
SUPERIORCOURT
CIVILDOCKT #C.A.PCI2-
APROESSIOHALCOLLECTIOHAGEHCY,
CHASERICEIVABLES,DC.,
COHVERGEHTOUTSOURCIHG,IHC. ,and
.. -------- ----+---- --
Lu
___ . . - ----- ------------ ------ -=++= ------- -------------- -----
Defndants
COMLAINT BY PLAINTIFF, WILLIA J.RUOTOLO AGAINST
DEFENDANTS, AFNI, INC., CHSE RECEIVALES, A PROFESSIONAL
COLLECTION AGENCY, CONVERGENT OUTSOURCING, INC., P
EOS CCA
HOW COMES lhc Plainli, WILLIAM J. RUOTOLO and slalcs as
mllovs.
md
hosc-rcgisIccdagcnt Rr
- -
c. IlisrcqucslcdlhalyouprovidcprooIoIsignrcsonay cIamed
dcblovcd.
J
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 37 of 45 PageID #: 40
RUOTOLO i. EOS CCA, et a/., PCD201 3-To Be Detennined
d. H is rcqucslcd lhal you imcdialcIy advisc vho lhc originaI
cIaimcd crcdilor vas and vhclhcr lhc cIaimcd dcbl has bccn
purchascdandbyvhom.
c. You arc rcqucslcd lo providc aII noliccs and documcnlalion
rcquircd in compIicc vilh lhc cdcraI air Dcbl CoIIcclion
PracliccsAcl.
I. IlisrcqucslcdlhalyouprovidcprooIoIdcblandsignalurcs oIlhc
purpor|cddcblor om yourprcdcccssorscoIIcclionagcnls andlhc
cIaimcdCrcdilor,iIany.
rcspccllohovlhc originaI crcdlor, succcssivc crcdilor(s), or any
coIIcclionagcncyhascaIcuIalcdlhcamounlvhIchiscIamcdlobc
ovcd.
h. H is rcqucslcdlhal any and aI documcnlalionpurporling lo bc a
conlraclonvhIchyouoranycrcdilorvilhaninlcrcslinlhcabovc
bclvccnlhcmdcrsigncdandlhcORIGIHALcrcdilor.
i. Inmrmalion idcnliIyinglhcnamcoIypuchascrorpurchascrsoI
lhccIaimcddcbl.
j. H is rcqucslcdlhal any conlracl puqorlingloscII orlransRr any
dcblobIigalionvhIchcIaimslo InvoIvclhcCrcdilorncdabovc
bcprovidcdallhislmc.
4
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 38 of 45 PageID #: 41
RUOTOLO v. EOS CCA et a/. , PCD201 3-To Be Determined
k. Any and aI documcnlalion rcIalcd lo noliccs scnl by `ERlZO
conccmng cIaimcddcIinqucncyvilLrcspccllo anaccounl inlLc
n amcoIlLcundcrsigncdmrlLcpaslmrcc(J)ycars.
1. AnyandaI documcnlalionrccclingpaymcnlsmadclo`ERlZOI,
incIudingbulnolIimilcdlo,copicsoIcanccIIcdcLccks,cIcclronic
paymcnls om lLc undcrsigncd's bank accounl, and any olLcr
cIcclronicpaymcnlsmadclo`ERlZO.
I O. TLcDcRndanls DiIcd lo compIy vilL a maorily oIlLc rcqucsls
-
andDiIcdlocompIyvilLTLc airDcblCoIIcclionPracliccsAcl- Pub. L. I O9-
RLodc IsIandFrDcbl CoIIcclionPracliccsR.I.G.L. [ I 9-I4. 9-I lLrougL [ I 9-
I 4. 9-I 4.
I I . AsadircclandproximalccauscoIc aclsoIDcRndls'conducl,
misrcprcscnlalion,andaud,lLcPIainlivasInanciaIIyLarmcd.
CAUSES OF ACTION
COUT I
(Violation of The Fair Debt Collection Practices Act - Pub. L. 109.351,
801-819, 120 Stat. 1966 ((2006)) and 15 U.S.C. 1692-1692p)
I 2. TLc PIli WLIA I. RUOTOLO, rcpcals and rc-avcrs
paragapLsIlLougLI I abovcasiI0cyvcrcslalcdLcrcvcrbatm.
I J. BcginningD, oraroundIanuary,2OI2, andallimcslLcrcabcr, c
DcRndanls, and or lLcir prcdcccssors or assigns, al various limcs providcd
. .
com Icalkn
- = = -+~ ~~...=- .
J
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 39 of 45 PageID #: 42
RUOTOLO'" EOS CCA. et al., PCD201 3-To Be Determined
I4. D oraroundIanuary, 2OI2,lLc DcRndanls, vcrc subcclloTLc
FairDcblCoIIcclionPracliccsAcl - Pub.L. I O9-JJI , [[&OI-& I 9, I2OSlal. I 966
((2OO6)) nd IJ U
-
b. A brcdovn oIccIaimcd dcbl vi rcspccl lo amounls ovcd
anddalcsonvhcLcIaimcddcblvasovcd.
c. !lisrcqucslcdlLalyouprovidcprooIoIsignalmcsonanycIaimcd
dcblovcd.
d. Il is rcqucslcd lLal you immcdialcIy advisc vLo lLc originaI
cIaimcd crcdilor vas and vLclLcr lLc cIaimcd dcbl Las bccn
purcLascdandbyvLom.
c. You arc rcqucslcd lo providc aII noliccs d documcnlalion
rcquircd in compIiancc vilL lLc FcdcraI Fair Dcbl CoIIcclion
PracliccsAcl.
I. !l is rcqucslcdlLalyouprovidcprooIoIdcbl and signalurcs oImc
~
_ ,
_ _ _ ,
purporlcddcbloromyourprcdcccssors coIIcclionagcnlsandlLc
cIaimcdCrcdilor,iIany.
6
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 40 of 45 PageID #: 43
RUOTOLO 11. EOS CCA, et al., PCD20l 3To Be Determined
g. I is rcqucslcd lLal youprovidc any and aII documcnlalion vilL
rcspccllo LovlLc originaI crcdilor, succcssivc crcdilor(s), or any
coIIcclion agcncyLascaIcuIalcdlLcamouIvLicLis cIaimcdlobe
*
. . .
I
ovcd.
L. Il isrcqucslcdlLal anyandaII docucnlalionpurportinglo bc a
conlraclonvLicLyouorycrcdilorvilbinIcrcslinlLcabovc
bclwccncundcrsigncdandlLcORGDAcrcdilor.
1. InmrmalionidcnliIyinglLcnamcoIanypurcLascrorpurcLasrsoI
lLccIaimcddcbl.
dcbl obIigalionvLicLcIaimslo invoIvclLcCrcdilornamcdabovc
bcprovidcdallLislimc.
k. Any and aII documcnlalion rcIalcd lo noliccs scnl by Vskizoi
conccmng cIaimcddcIinqucncy vilLrcspccllo an accoum inlLc
namcoIcundcrsigncdRrlLcpasllhrcc(J)ycars.
I. AnydaII documcnlalionrccclingpaymcnlsmadcloVskizoi,
incIudingbulnolIimilcdlo,copicsoIcanccIIcdcLccks,cIcclronic
paymcnls om lLc undcrsigncd's bank accounl, and any olLcr
cIcclronicpaymcnlsmadcloVskizou."
,_,m,,,_= ,,m,,&&mm=,_,, , ,,,,,_,,, ,_,__ __ _.
I6. JLc DcRndanls DiIcd lo compIy vilL amaorily oIlLc rcqucsls
dDiIcdlo compIyvilLTLc FairDcbl CoIIcclionPracliccs Acl - Pub. L. I O9-
- ~ ~ - ~ ~ - + + ++ -. = + + & + . , , , , . , - = . ~ . - + - -~ .
JJI , [[ &OI-&I9, I2OSlal. I 966((2OO6))d I J U.S.C. [[I 692-I 692pandTLc
7
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 41 of 45 PageID #: 44
RUOTOLOv. EOS CCA,et a/., PCD2013To Be Determined
RLodc IsIandairDcblCoIIcclionPracliccs R.I.G.L. [ I 9- I4.9-I mrougL [ I 9-
I7. .. Asadircclandproximalccusc oIlLcacls oIDIcndanls' conducl,
misrcprcscnlalion,andaud,0cPIainlivas5anciaIIyLcd.
I &. WREOR, c PIainli WLIAM I. RUOTOLO, dcmands
udgmcnl
in
lLc amounl oIS7O,OOO.OOpIus inlcrcsls,cos|s,and al|omcysRcsand mrvLalcvcr
--- -.. - -- -------- -- --- agencor sees-fnjt---- -- ---- ---- ---- ----- - -- - --------------- ---
COUT II
(iolation of The Rhode Island. Fair Debt Collection. Practices R.I.G.L. 19-
14.9-1 through 19-14.9-14)
I9. TLc PIainli, WLIAM I. RUOTOLO, rcpcals and rc-avcrs
pagapLsIlLougLI & abovcasi cyvcrcslalcdLcrcvcrbalim.
2O. Bcgimingin,oraroundIanuary,2OI2,andallimcslLcrcabcr, lLc
DcIcndls, and or lLcir prcdcccssors or assigns, al vious limcs providcd
communicalion
2I . In, or around Ianuy, 2OI2, lLc DcRndanls, vcrc subccl lo TLc
--
Fan
Deul
CoIlection-P
mcfices
,cl
-PL.-J.
J09-5},[[30
J-|J
9
,
{,0.
$J
af.
{9q. ----- ----~-
((2OO6)) and I J U. S. C. [[ I 692-I 692p and TLc Rodc IsIand air Dcbl
22. In, or around Ianuary, 2OI2, lLc DcRndanls, d or lLcir
prcdcccssorsorassigns,vcrcavarclLalcPIainliconlcslcd|LcdcblandprooI
&
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 42 of 45 PageID #: 45
RUOTOLO v. EOS CCA, et 0/.,PCD201 3-To 0Determined
oIdcbl andrcqucslcd documcnls, inIormalion dprooIoIdcblby, inlcr aIias,
rcqucslinglLcmIIoving.
~~+-~~
a. _"I vas rc
--
--
o;ccri
@
___
c
_ ae_uen
c
y
_
il
grespecrtm accoof tle -- -
namcoIlLcundcrsigncdmrlLcpasllcc(J)ycars.
1. Any andaIIdocumcnlalionrccclingpaymcnlsmadcloVERIZON,
incIudingbulnolIimilcdlo, copicsoIcanccIIcdcLccks, cIccLonic
paymcnls om lLc undcrsigncd' s bmk accounl, d any olLcr
cIccLoncpaymcnlsmadcloVERIZON."
i
2J TLc DcRndanls DiIcdlo compIyvilLa
l aga
g
s
_
cI
s,
__
!, !C., CH
_g_
___\
A
____
, A
PROESS!OIAL COLLECT!OH AGEHCY, CHASE RECE!VABLES, LC. ,
I O
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 44 of 45 PageID #: 47
I
RUOTOLO v. EOS CCA. cla/.,PCD201 3-To Be Determined
COHVERGEHTOUTSOURC5G,LC.,andEOS CCA,oinlIyandscvcraIIy,in
lhc amounl oIS7O,OOO.OOpIusinlcrcsls, cosls, and al|omcys csandmrvhalcvcr
olhcrdmagcscCour|sccs
landusL
TH PLAINTIFF RSPECTFULLY RSERVES THE RIGHT TO
AN TIS COMPLAINT TO CONFORM TO TH EVIDNECE
PROCURED THROUGH DISCOVERY . .
JURY TR DEMAND
ThcFIainlu ,WILLIAMIe_ RUOTOLO,rcspcclIIycIaimsalriIby]ury.
onaII issucsraiscdinlhc PIainlis CompIainl and mr damagcsinlhcamounloI
lhc Com sccslandusl as arcsuIloIlhcDcndls' aclions andbrcachcs oI
dulicsovcdlocPInli.
Dalcd.Hovcmbcr24,2OI J
Respectuly Submitted
PLAINTIFF,
roSc,
iIIiamI.RuoloIo
POBoxI I I
Horlh Scilualc,R O2&J7
Phonc. (4OI ) 4&9-I OJI
lanetcle_ai|.,e
.
....... ..
C:\wjr\wjr\RUOTOLO v. afni, chase receeivables, convergent outsourcing, eos
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