Ruotolo v AFNI Chase Receivables debt collector.pdf

8/12/2019 Ruotolo v AFNI Chase Receivables debt collector.pdf

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Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 1 of 45 PageID #: 4

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- . - - -108'/l

STATE OF ODE ISLAND PROVIDENE PLANTATIONS

PROVIDENE, SC

WILLIAM J RUOTOLO,Plaint

v:

I.HAS REEIVABLES,

SUPERIOR OURTIVIL DOKET # CA P14-

A PROFESSIONAL OLLETON AGENY,HASE EIVABLES, IN.,ONVERGENT OTSOURG, IN,andEOS CA

Defendants

NOTICE OF A LAWSUIT A EQUEST TO WAIVE SERVICE OF ASUMONS

To:

EOS A700 Logwater DriveNorwell, M 02061

A lawsuit has bee oeed agaist you (or the etity o whose behalfyou re adcessed). A opy of the omplat is atahed to this otie. It has beeled i the Superior our of ode Isld r the oy of Providee d hasbee assiged doket umber idetied above.

This s ot a al sos or otiatio om the our, but rather myreuest that you sig a retu the elosed waiver of servie order to save theost of sevig you with a juiial sumos d a additioal opy of theomplait The ost of servie will be avoided if I reeive a signed opy of thewaiver withn thiry (30) days er the date desigated below as the date owhih this Notie ad Reuest is set I elose a stped d addressed

-J i l 4 .201


2/45


RUOTOLOv. EOS CA et a,C20T

no be obgaed o answer the compant bere 60 days om the dae

desgnaed beow as the dae on whch ths notce s sen (or bere90

days omthat dae f your address s no n he Uned States)

If you do not re the sgned waver wtn he me ndcaed I w taeapproprate seps to eect rma servce a mer auorzed by he SuperorCo Rues of Cv Procedure and w hen o the exten auhorzed by eRues as the co o requre you (or the py on whose behaf you areaddressed) o pay he coss of such servce I hat conecon pease read estatemen conceg the duy of pes to wave he servce of e suonswhch s set h on the reverse sde (or a the ot) of the waver rm

I arm hat ths reques s beng sen o you on behaf of the pan ths22nd day of Jnuy2014.


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UOOLO v EOS al., C201- c Detrmed

WAIVER OF THE SERVICE OF SUMMONS

To: WLLA J. RUOTOLO, PLANTFF(ame of the plaint's attorney or unrepresented plaint

I have receved your reques o wave servce of a summons n hs aconaong wh a copy of he compan, wo copes of hs wver rm, and a prepadmeans of reung one sgned copy of he rm o you

I, or he eny I represen, aee o save he expense of servng a suonsd compan n hs case

I undersnd ha I, or he eny I represen, w eep a denses orobjecons o he awsu, he cour's jursdcon, d he venue of he acon, buha I wave ny objecons o he absence of a suons or of serce

I aso undersnd ha I, or he eny I represen, mus e nd serve nswer or a oon under Rue 12 whn 60 days om he dae when s requeswas sen (or 90 days f was sen ousde he Uned Saes) If I o do so, a;:deu judgmen w be enered agans me or he eny I represen

Dae:

Sgnature of the ttorney or unrepresented par

Prnted name of par wavng servce ofsummons

Address

E-mail address

Telephone number


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RUOOO 1' EOS a/PC0 13To B Deermined

tte wll be requred to py the expene of ervce nle the dendnt howgood cue r the lure Good cue" doe not nclude belef tht the lwut groundle or tt t h been brought n mproper vene or tht the corth no jrdcton over th mtter or over the dendnt or the dendnt'property

If the wver gned nd retrned you cn tll me thee nd ll otherdefene nd objecon but you cnot object to the bence of mmon or ofervce

If you we ervce then you mt wthn the tme peced on thewver rm erve n wer or moton under Rule 12 on the plnt nd le copy wth the co y gnng nd retnng e wver rm you e llowedmore tme to repod thn f on hd been erved

C:\wjr\wjr\RUOTOLO ni, chse receeivbles, corget outsourcing eoscc\complint\otice oflaw suit eos, cc - 01.22.2014.doc


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Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 5 of 45 PageID #: 8 - ... -

STATE OF ODE ISLAND AND

[ ovdence/Bstol Coun

Lcht Judcal Complex250 Benet SeetProvdece, Rode Isad 02903

Kent CountNoe Judica Copex222 Qaker aeWick, ode Isd 02886

Wiliam] Ruotololainti

AFI Inc. t aefendant

b-ms :

PROVIDENCE LANTATINS

ewpot Coun

Muay Judca Complex45 Washngton SquaeNewport, Ro.de Isad 02840

Washngto CoucGrat Judca Copex4800 Tow H RoadWakeed, Rode Isad 02879

Cv Acto, Fe Nuber

MM

EOSCC700 Longaer D:veNrwe, 020

Te above-ed Pati as brougt a acto agast you ad Suerior Court te couty dicatedabove You are ereby soed ad reurd to sere uo

Wilam]. Ruoolo e Pats attoey wose address sPO Box 111 Noh Stae 02857 : a

aser to te coat c s eret seed uo you t twey (20) days after serce of tssos uo you excusve of te day of sece

f you t do s judgent by delt wl be taen aganst you the e dended n te complant

Your aser ust aso be ed wt te court

As rovded i Rue 3a of te Sueror Cout Rues of Cv Procedur uess te reef deaded e copat s r daage rsg out of yor owersp ateace operato or coto of a otor

vece, or uess otewse povded Rue 13(a), yo aswer ust state as a couterca ay reatedcla whc you ay ave aganst te lant, o you wll teeae be baed om mang sc clam nany othe acton


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Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 6 of 45 PageID #: 9- -

wrLLIAiJ. RuoTL

Juary 6, 2014

Clerk of CourROVENCE SUPERIOR OURT, IVIL250 BENEFIT STREEOVDENCE,R 02903

E William J. Ruotolo,Plaint

FNI, Ic., et al., Defndans.C.A. PC14To

Be Deteied

Dear Sir/ade:

Eclosed r lig please d the llowig,\

1. COMPLAIT BY PLAITIFF, WILLIAM RUOTOLO AGAIT DEFENDANTS, INC, CHASE CEIVABLES, A PROFESSIOA COLECTION GENCY,CASE ECEIVABLES, IC, CONVERGENT OUTSOURCIG, IC. AND OSCCA;

Five Sumoses to be stmed by the Clerk of Co r Serice of Process;3. Check i the ount of $60.00;d 4. A self-addressed ad stmed eelope r ret of the closed soses r he

Cour's Seal.

you.

Sicerely,

Willia J Ruoolo

C:\\wjr\RUOTOLO v. afni, chase receeivables convergent ousoucing eos cca\complain\clek of do -0062013 - colaitlingee.oc


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TATE OF RHD ISLAND AND PROVIDENC PLANTATIOS

SUPERIOR CRT

CVIL CASE COVER SHEE CASETHIS FORM MUST BE FLED WIH EACH ORGNAL DOCMENT THAT COMMENCES A CIV PROCEEDNG N HE CLERK'S

OFFCE. F THE CASE IS A DSRCT CORT AEAL, THS FORM MST BE FLED WIH HE AEAL N HE DSTRCT CORT AND WL BE RANSFERRED WIH OHER DOCMENTS T HE SEROR CORT

Wiliam J. uotolo AFI, nc a.

PLAINTIFF D# DEFENDANT ID#

.

NAURE O ROEEDNG - HEK ONE AABE AE YE UNDERAN AEGORE ED BEO

CIL CTI () AGENCY APPEA ()EX ECSSIVE TA ( )PJ PERSONA INURYEHICLE()AB ASSAULT AND AERY ()FF FORFEITURE ()PL PRODUCT LIAILITY() AE ASESOS CASES ()FG FOREIGN UDGMNT () PR PARTITION( )Al ANTI-TRUST ( )FS FRIENDY SUIT ()R REINSTAE CHARTER( )BA OOK ACCOUNT ( )ID PER INURY/PROP DAMEH () P PROMISSARY NOTE()BP I OF RIGHTSPOLICE OFF ()I INUNCTIVE RELIEF ()RY REAL PROPERTY() H CIVI RIGHTSO DISCRIM () P INTERPEADER () SA SEUAL AUSE( )Cl CRIMINAL INURY COMP ()P KUGEL PATCH ()SF SPECIFIC PERFORMANCE( ) CL COMMON AW ASSIGNMEN ()LC EAD CASE ) SX SEUA HARASSMENT()CM COMMON AW IEN ()LS IESLANDER ()TD CONTRACT DAMAGES() S CONVERSION ( M MALPRACTICE/EGA ()TE TRESSPASS AND EECTMENT() CRIMINAL CONVERSIO ( ) MALPRACTICE/MEDICAL ) T TITE CLEARING()CH CIVIL RIGHTSO DISCRIMIN () MAPRACTICE/OTHER () T TRUSTEEAPPT CONVEY TITLE()J DECLARATORY UDGENT (M MERS ()TG TRUSTEEACCOUNTING()DG RECOVERY OF DAMAGES () OTHER CIVI ACTION () U UNINSURED MOTORIST

. () DB DET ON UDGMENT ( ) PB PROPERTY DAMAGES () W WRONGFUL EATH OTHER DD DECEPTIVE TRADE PRACTICE () PG PROPERTY DAMAGESEH ()WE WRONGFUL DEATH/ MED MAL( ) DENIAL OF PROATE CLAIM

() P PERSONL INURY ()W WRIT OF MANDAMUSThis ae invulvc the folh>wi Cun': Federal and Sme Pak bt ollein ratie Ad;) WR WRIT OF REP LEVINMISLLS PITI Vnltios, 2) Frud ad 3 fBusess Dcligs/fd F ts(')A ARITRATIONCONFIRM ( ) J GRAND URY INVESTIGATION () PX PETITION TO EPUNGE() AD ARITRATION AWRD ( )H HAEAS CORPUS () PY PETITION INVENT (WIRE TAP( )AS ASSESSMENT OF DAMAGES ( )L EVE COMMUN NOTIFICATION ( )RB ARITRATION REFERRAL( )CE CONDEMNATION ()ML MECHANICS IEN( ) CONFIRM COMPROMISE ( ) W MATERIA WITNESS( )P CONTEMPT ()M OTHER MISC PETITION( ) D DISCLAIMER (!)W OUT OF STATE WITNESS

( ) DS DISSOUION F CORP ( ) P POST CONVICTION RELIEF( ) T DECLINATION O F TRUSTEE ( ")PD PETITION TO TAKE DEPO( ) EN END PARTNERSHIP () P PETITION FOR IMMUNITY( )F FORFEITURE OF CHARER ()P PETITION FOR ONSTALE() FORECLOSURE RIGHTS REDEM( )PS PERFORM SURGERY

PT PPL()G GUARDIANSHIP ()A OTHER PROATE APPEAL

"

() RP RUE A PETITION()V RECEIVERSHIP() S SEUAL VIOLENT PREDATOR SS STUCTURED SETTEMENT

()TA APPOINTMENT OF TUSTEE()T TITE CLEARING (TA TITLE)() TL FOREOSUREA LIEN() TS TRUSTEE SUCCESSOR() V VACATE ARITRATION

()WL WIL


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: I

SAE OF ODE ISLD A ROVIDECE LAAIOS

PRQVIDECE SC

WILIAM J. ROOOPlaint

v.

AFI ICCHASE ECEIABLES

SUERIR COURCIVIL DKE # CA PC14-

A PROFESOAL COLLECIO AGENCCHASE RECEIVABLES ICCOVERGE OUSOURCG}C.andEOS CCA

Defendants

COLINT :Y PLAINTIFF, WILIAM J. RUOTLO.AGINST DEDATS, FNI, IN, CHSE EIVABLES, A ROESSION

COLECTION AGECY, CHSE RECEIVABLES, INC, COERGENT OTSOURCING, IN. D EOS CCA

OW COMES the lainti WILLIAM J ROLO and states as

llows

1 he Plainti WILLIAM J RUOOLO is a ode Isld resident

whose crent addess is PO Box 111 orh ScitateR 02857

2 e Dendt INC is an entity incoorated in the state

of Illinois nd is a cooration whic proies debt collection serices has a usual

business address listed s 31 Min Luter King Drie Bloominton IL 1702


9/45


RUOTOLO EOS P0 13T B Dtrind

3 e Defendant, CHASE CEIVABLES, A OFESSIONA

COLLECTION AENCY, is an entity icorated in the stat of Caliia and' I '

is a cooration wich provi;es debt cllection serices, has a usual businessi :

address listed as 4 Broadway, Sonom, CA 9548, and whs rgister agnt

r serice of process is Teemce L aff, 95 Calia, Blvd., Napa, A

94559

. i4 e Dendant, CHASE ECEIVABLE C, is an entity

incoorated in the state of Caliia d is a cooration h provides debt

collction services, has a usual businss addess listed as 47 Broaway,

Sonoma, CA 95478, and whose registered agent r serice of process is

Teemce L a, 95 alirnia, Blvd, apa, CA 9455 and as of November 22,

203, the Secretary of State's website indicates is ntities status is

"SUSENDED

i 5. The Dendt, OVERGENT OTSORCING, INC, is

entty incoorated in the state of Washington d i a cooration which provides

debt collection serices, has a usul business adess listed as 800 SW 39th

Seet, O Box 9004, Renton WA 98057, and whose registered agent r serice

ofprocess is Steven J.Hunter, 800 SW 39

Steet, WA 980579004.

i . The Deendt, EOS CCA, is an entity which is engaged in debt

col!ection throughout the United States with a usual place of business at 00


10/45


OTLO v. EOS et C0T B ccrmind

over 20 cories. Its headquer ae i mbrg (ermny), and that "EOS

CCA is headquarered just outside Boon in Nore, Massachusts. Seehttp://w.eos-cca.com/boutEOSCC/abid/56/Dut.aspx. It s not

registered with te assachse Secretay of Stat, Coporaios Divisio er '

the nme EOS CA. OS CA is entity which proides det coection

serces.

i 7 Begining i, or aod Jay, 2012, nd at tims thereaer, the

Dendants, and or thei predecessors or assigns at arious times rovided debt 1

coection seices to creditors and pored creditors o the best of the Paintiffs

owedge d beief. 8 In or aroud Janury, 202, the Defendnts, were sbject to Te

Fair Debt Coection Practices Act -Pb. . 109-351, 0189, 120 Stat. 1966

((2006)) d 15 U.S.C. 1692-162 and The Rhode Isd Fair Debt

CoectionPracticesR. I.G.L. 19-14.91 togh 19-14.9-14. 9 In, or od y, 012, the Defendts, d or teir

predecessors or assigns, were aware that te Painti contested the debt d roof\

of debt and equested documents, infoation ad proof of debt \y, iter aias,

requesting th ownga "It was requested that ey proide, within ve (5 busines days

y roof of caimed det owe.

'


11/45


UL01 EOSA./0T B Dtrmind

c It is reested that the ride roof f signres n claie

debt owedd I is reested that the iediatel advise wh the riginal

claied creditr was an wher the claied debt has been

uchased d b who

e. he were reested to rvide all notices d dcuentationreired in coliance ith the ederal Fr Det Collection

Practices Act.

f is eested that the rvide roof of debt d signatres of e

uorted debtr o thei redecessors collectin agents and theclaimedCreditor, if any.

g It is reuested that the ovide an nd all dcuentation with

resect to hw the original creditor, successive creditr(s), r an

collectin agenc has calclated he on which is claied t beowed

h is eested that and all dcuentation urig t be a

conact on ch e or creditor with interest in the above

between the udersigned ad the ORIGINL creditri Inration identiing the nae of an urchaser r rchasrs of

the claimed debt.


12/45


UOO 1 e lC0T B Dm

k Ay ad a docetati eated t otices set by VERIZON

cceig caimed deiqecy with espect to a accot i the

ame of th udsiged frthe pst thee 3 yeas

1. Ay ad a ocumetatio eect pyets ade o VERZON,

icudig but ot imited t copies of caceed checks eectoi

paymets om te deiged's b accot d the

eecoic paymets made toVERIZON"

10 The Dedats id t ompy with a majity of e equests

ad ied to cmpy with e Fai Debt Coectio Pactices Act Pub L 10

31 80181 120 Stat 166 ((2006 d 15 SC 162-16p ad The

Rhode Isad Fai Deb Coecti Pcties RIL 11-1 throgh 1-

1414

11 additio to the above te Deds pvided ifati to

e Paiti hat was se ad/ mseadig ith the iet that the Paiti eyo said ifoatio tohs acia drimet

12 a diect ad poximate cause of the acts of edats' coduct?

misepesettio bad f ad aud the ti was ciay hamed

CAUSES OF ACTION

CONT I(Violation of TheFar Debt Coection Practices Act- Pub. L. 10935,

80119, 120 Stat 1966 ((2006) and 1US.C. 16921692p)

C 1 14 00097 S LDA D 1 1 Fil d 02/21/14 P 13 f 45 P ID # 16


13/45


UOO O C'A. a,C0T B e Drmd

14 gnning in, or oun auary, 2012, an at tims thrar, th

nants, n or thir rcssors r assigns, at various tims provi

communication

15 In, or aon anuay, 201, th Dfnnts, wr subjct to Tl

Fair b Collction Pactics ActPu 109351, 801819, 120 tat 1966

((2006)) an 15 C 16921692 an Th o Islan ar bt

CollctionPractics RI L 191491ou 1914914

16 or aro anuay, 012, th nas an or thi

prcssors or assigns, wr awar that t Plainti contst th bt an proof

f bt an rqust ocumnts, informtion an proof of t by, intr alias,rqustng th llowing:

a It was rqust that thy provi, within v (5) businss ays any

proof of clam t ow

b Abron of th claim bt with rspct to amounts ow n atson wch claim bt was ow

,c It is rqust that thy provi poof of signaturs on y claim bt

ow

is rqust that thy mmiatly avis who th origial claimcritor was an whthr th claim bt has bn purhas an by

whom

Case 1 14 c 00097 S LDA Doc ment 1 1 Filed 02/21/14 Page 14 of 45 PageID # 17


14/45


UW 1" BOS CA al.,C0T B Drmin

f. s reuested_ that tey prod poof of debt nd sgatres of e

purported debtor om ther predecessors collecto agets ad te clamed

Credtor, f y.

g It s reuested that they prode ad all documetaton wt espect to

ow te orgal credtor sucessve cedtor(s), or 1y collecto agecy

as calulated the mout whch s clamed to be owed.

h. It s requested tat y a1d all docmetato porng to be a cotract

on wch they or ay credtor th a terest te aboe betwee the

udrsged d the OL cedtor.

Irmato detg te a1e of ny purchaser or purchasers of theclamed debt

j s reuested that ay cotract prportg to sell or tra1sr y debt

lgato ch clams to vole the Credtor ed ther

commcats to te Plat

k Any d all docetato related to otces set by VERN cocengI

clamed deluecy wth respec to a accou the e of the

dersged r the past three (3) years_

1. d all documetato reectg paymets made to VERIN,

cludg but ot lmted to, copes of ca1celled checks, elecoic

paymets om the udersged's b accout, ad y oer electroc

Case 1:14 cv 00097 S LDA Document 1 1 Filed 02/21/14 Page 15 of 45 PageID #: 18-


15/45


1 OS CA l20-To Drmnd

51, 81819, 12 Stat 1966 ((26) and 1 USC 6921692p and T

Rod sand Fa Dbt Coton Pats RG.L 1919-1 ough 1914914.

18 As a dt and pomat as of th ats of Dfndas ondut,

mspsntaton bad fth, d aud, th ln was aly hnd.

addton to th bo, th Dfndants odd nton to th Pant that

was fas an/o sadng wth th ntnt that t Pant y on sad

nfoaton to hs nana dnt

19 EFOE, Pl, WL RUOTOLO, dds

judgnt agast Dnds, AFN, NC, CHASE ECEVABLES , AROFESSONAL COLLECTON AGECY, CHASE RECEVABLES, NC,

CONVERGENT OUTSOURCNG, NC, and EOS CCA, jontly d saly,

thnot of $, ps ntsts, sts, nd atoys s nd what

o dags th Cout ss t nd jst.COUT

(iolaion of The Rhode Island Fair Deb Collecin Practies R.GL 19149-1 hrough 19-149-14)

2 Pan, WLAM UOTOLO, pats nd as

aaphs 1 though 19 abo as f y w statd h bat21 Bgnn n, o ound anua, 212, and at ts ta, th

Dndans, nd o th pdssos o assgns, at ous ts podd



16/45


UO 1 A /., 0To B Drmn

((2006)) nd 15 USC 169-1692p d Th od Islad r bt

Collcton Practcs IGL 1 9

-14.9-1 rough 19-14.9-14

23 In or ound January 012, th ndts nd or thr

prdcssors r assgns wr war that t Plant contstd th dbt and proof

of dbt and rqustd documnts nrmton nd proof of dbt by ntr alas

rqustng th llownga "It was rqustd that hy provd wthn v (5) busnss days y

prof of camd dbt owd

b A brakdown of th clamd dbt th rspct to amounts owd and dats

on whch clamd dbt was owdc It s rqustd tat thy provd poof of sgnaturs on a clamd db

owd

d I t s rqustd that thy mdtl dvs who th orgnal clad

crdtor was nd hthr th clad dbt has bn prchasd d bywhom

Thy wr rqustd to provd all notcs ad docmtton rqurd n

complc wth th dral ar bt Cocton Practcs Act .

f It s rqustd that thy provd proof of dbt d sgntrs of thpuod dbtor om thr prdcssors collcton agnts d th clamd

Crdtor f y


17/45



18/45

Case 1:14 cv 00097 S LDA Document 1 1 Filed 02/21/14 Page 18 of 45 PageID #: 21

UOOLO ES A e /03-T B Dtermnd

CONVERGENT OUTSOURCG, INC, ad OS CCA, jitly and severall in

e amout of $7000000 plus interests, csts, ad atteys es ad r whateverother daages the Cour sees t and just.

II

(raud)

2 The Plainti repeats and revers pargraphs 1 though6 above as if

they were stated here verbatim

28 I, or aroud anuary 2012 the Defendants were subject to The

Fair Debt Collectio Practices Act Pub 109351 8089, 20 Stat. 1966

((2006)) and 5 us.c. ?92692p and The Rhode sld Fair Debt

Collection Practices RIGL 9-149 tough 194914

i29 or oud anuay, 2012, the Dendats d or their

predecessors or assigns, were aware that te Plainti cotested the debt and proof

of dbt and requestd documents ioration ad proof of debt by, inter alias,

ruesting the llowing

a "It was reqested that thy provde, ve ( 5) business days an '

proof oaimed debt owed.

b A bredow f the claimed debt with respect to amouts owed and dates

on whch claimed deb was owed (

c It is requested that they provide proof of sigaes o a claimed debt

owed



19/45

g g

UOL t BOS C a/ PC01T Be D

, e Tey ere requeed oe l noces nd docaon requred

complnce h he Federal Far eb Colecon Prcces Acf I s requesed ey provde proof o de nd snures of he

puored debor o er predecessors coec01 gens and he ce

Credor f ny .

g s requesed h hey prde y nd docuenon respec o

ho he org credor succese credor(s) or y coecon gency

s cculaed e mon ch s cled o be oed

I s requesed h y nd doueo1 purporng o be a concJ

on whch hey or ny credor h n neres n e boe beeen eundersgned d e ORIGINAL credor.

Inraon denfyng e nae of a purchser or purchsers of e

caed deb

j. I s requesed y conc purporng o sell or rs y debobon c cas o nole e Creor ned n her

comUcons o he Pan

k Any d docenon eed o oces sen by VERIZON conceng

cmed delnquency wh respec o n ccoun n he ne of heunersgned r e ps ee (3) yers.

(

Any nd l docuenaon reecng pyens de o VERZON,



20/45

\

\UO OSA el al'20T B Drmn

30 The Dendants ld t coly w a ajority of the rqess : . ' .

d faled to co1ply wth Th Rhode Islnd FarDeb

Collecton Practces

RIGL 19149 through 191491

31 As a drect d proxiate case of the acts of Dednts' condct

srepresentaon and aud he Planta callyhed

32 As f e wrtng of ths oplat the Defents have fled toprode the foraton reqested above

33 The Dendants wot csejstcaton or excse adlently

srepresented cts toe Pl th he ent that he rely pon the to his

nncal deent s well a

a. Made fse d/or sleadng stateents wth ll

knowledge at such stateents ere false d/or sleadn or n e

alteaive, shold have nown tat sch stateents were false nd/or

isleadng at had n ha the capacty tendency or eect ofisleadg or decen hode Islnd Cosers an ore pclrly

islead or deceed e Pln;

b Fled to sate aterl cts conceg a conract entered

into beeen Verizon nd Planic Atepted to collect a debt o the Plnt had no proof of

conract nder which ey cold collect oes o the Plant;

-



21/45

"

U v. EOS


22/45

RUOTL 1. BOSCA. etai.PC2013-To Be Dtermind

COUNT I

(nfr'Business Dalngs/Bad Fait)

3 6 The Plinti re-aleges, reavers and incorates herein by

rerence e allgations set rh in paaraphs 1 tlough 35 aboe.

3 7. The Defendants TCONE WILESS, INC. and ABC,

ALIAS ("Dends hereinaer) is a reign corporatn ith a usual place of

business at 9 00NW12th Avenue, Miai, FL 33178 ad is conducting busiess

withinthe State of oe Islad has its rporate headqarers domiciled at 9 700

NW 112th Avenue Miami FL331 78 d has no registered agent r service of

process listed with the Rhode Islan Secrtary of State.

38 . , or arod Juay, 2012 the Dendants, and o their

redecessos o assigns, were aware that the Plainti contested the debt ad proof' I

of debt ad requested docuents, information ad proof of debt by, inter alias,

requestg the llowing:

a 1'I as requested at they provide; win ve (5) buinss days ay

proof of claied debt owed

b. A brealdow of the claed debt it respect to outs owd and dates

on which claied debt was owed

c. It is requested that they provide proof of signaures on ay laimed debt

owed

d I is requested that they iediately advise who he original clamed



23/45

UL EO A cP01To Be eemd

e. They were requested to provide al notices and docentation required in

compliance ith the Federal Fair Debt Collection racties Actf is rquested that they provid prof o debt and signatues of the

pupoed debtor om thei predeessors collction agents and the claimed

Creditor if any

g It is requested at they provide ay and all documenation with respect tohow the oriinal creditor, successve creditor(s) or ay collection agency

has calculated the amount which i claimed to be owed

h. It is requested that y and al domentation purpoing to be a conract

on which they or ay creditor wih an interest i the above between theundersigned ad te OGAL ceditor.

i Ination ientifyig the name of any purchaseror puchaers of h

claimed debt

j. is requested that any conact puoing to sell or transr any debtobligation which claims to involve the Creditor named their

communications to e Plainti

k Any d all docentation related to notices sent by VERON conceing

claied deliquecy wi respect to an account the name of theudersigned r the past three 3) years

Any nd all docmentation reecting payments made to ERON,



24/45

UOOL v OS a, 203 B Drmin

39. The Deendants iled to omply with a major o the requests

andfaled t comply wth he Rhode Island air Debt Collection Pratices

IGL. 1914.91 tough 1914.91

40 As a drect and proxiate ause of the act of Dendts' conduct

misrepresentaton and bad aith and aud te Plnti was ncially hmed.

41 As of the wrting f this omplaint the Dendants have ld toprovide the formaton requested above.

42 he Dendants wthout cuse juscaon or excuse audleny\ msrepresented cts to e Plain with the intent that e rely upon them to hs

nncial dement as well as:a Made lse anr misleading statements wit ll

noledge tha such statements ere false and/or sleadng or n te

altetive shuld have known that such statements were lse an/or

sleading that had and have te capaci tendency or eect oisleadng nor deceivng Rhod Islan Consers n more piculy

islead or deceived e Plant;

b ailed to stat materal cts conceg a conact entered

o etween erzon and Plnt;c Atemptdto collect a debt om the Planti had no poo of

conact uder ch they could cllect monies om the Plaint;

\



25/45

RUOTOLO'" EOS A e .20-o

e Failed to conrm o te reasonable steps to ensre at the

debt ad not been contested t por ebt collectorsf Failed to no t Plant that tey ad no prof of

coactunder c ey could colect mos on tle l nd

attmted to collect mones jut e e;

g ntentonally faled to comply e Federal Fair DebtCollection Practices Act Fair et Collecton Practces Act ("FDCPA

erener), As amended by ub L. 109-351, 801-819 120 Stat. 196

(2006) and 15 USC. 1692-1692 as well as the Rde sland Far Debt

Collecton Practce Act ("R FDCPA" herenaer), R.. GL 19-14 9-1ough 19-149-14w knowledge that they ad no legal rght to recoer

a debt aganst e Plaint;

h Knowngly attempted to collect a debt at e pported

creditor or orginal creditor ad signed r collecton to oter rms d/oknew om e credtor or orignal creditor at e debt was contented

43. Begnnng n, or aro Juary, 2012, and at tmes thereaer, the

Dends, and or ther predecessors or assgns, by ther conduct iolated Te

Fa Debt Collection Practces Act Pub L 109-35 801-819, 120 Stat 1966((2006)) d 15 U.SC 16921692p and The ode sland Fair Debt

Collection Practces RGL 19149-1 through 19-149-14

\



26/45

J

UL 1 S CA al.,To B Drmind

45 The Dendant Deendan iled to ompy with the statute d

violated its obigations to eain om ni business deaings, 61311. Etse d bad ith without ause justiion o exuse, beahed ts onat with

e Plaii to the Pintis nial detent in, aong oe ways, as llws

a Made asend/o sleading statements that had, d have

e apaiy, tendeny o eet o misleadng nd/o deeiving hodesland Coes nd moe prly mislead o deeived e Pli;

b ailed to state matial ts oneng a ontat enteed

ito beeen the Deendants nd Pi;

ailed to omply wih the tes o the onat o onats;d. iled to espnd in a reasonabl m e to e Plainti

iong e Dendnt a e itm sold had issing ps nd a detive

podut

e Made mengless and irelevnt esponses to the Plintioneg e noe o beah o onat ae the Planti notied e

Dednt at the item sold had missing ps in n business mne

ailed to espon to e Plntis nes at he was plaed

i a position to have to tigate ei beah o ontat as they had ilednd/o esed to espond to his ones at e podut had ssng psd oud not be used



27/45

RUOOLO EOS CA al C0 3-To B Drmnd

h Mng no mengl oers of resoluton once the

Dnat was nfoe


28/45

RUOTOlO v. EOS CA. et al.,PC2013-To Be Dc'rmin

Dted: Jany 6, 2014

Respectuly Submied

PLAINTIFF,ro Se

illiam J. Ruotoo

O Box 111Noh Scitte 0285 7Phone: (401) 489-1051wilijuotolo@giom

C:\wjr\wjr\RUOTL afni hase eceevables conergent outsoucing eos cca\complain\omplant - afni inc , chase eceables convergent otsoursig, os cca .OJ.06.2014 - FILED.doc

/


29/45

Case1

:14-cv-00097-S-LDA

Document1-1

Filed02/21/14

Page29of45PageID

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30/45

l

S C t/

WR OFHSERVCE OF SONS

To: WLLAJ UL PTF(ame ofhe plan' aoey or urepreeed plait

. I have rcid yo qustf wi si of sn tis tlng i py f t mplt, pis s v fr nd ppidmns fng signd py fr t y

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cfE-mail dr 02/Telephoe uer


31/45



32/45

WILAM J . RuoTOQRN NELLR LA\1

oemer 24 2013

AFNIC3 10 Mat Luer Kng !iveBloomngon, L 61702351

AFNICGreory J DonRegistered Agent r Serce of rocess404 Broc DrieBloomington IL 61701

! CHASE RECEIVABLE A ROFESSIONAL COLLECTION AGENC1247 Brodwy-S n ma,CA9547.8 - -- CHASE RECEIVABLE A ROFESSONAL COLLECTION AGENCYTerremce L Reisterdget Se orocess951 Cli, Bld., CA 9455 9

CHASE RECEIVABLES C

124 7 BrodwySonom, CA 95478

CHASE RECEIVABLES CTerremce L.

Registered Agent r Sece of rocess951 Cli BlvdN CA 9455 9

CONVERGENT OUSOURCG INC800 SW 39h Seet - - O-x 900

- - - - - - - - - - - - - - - - Renton WA 98057


,


33/45

\j ROTOOA'nORNlY & CISUtR 1\ T L!W

EOS CCA700 Longwter Drive

Norwell MA 02061 limed Oiginl reditor: Veizon

AFNI I Climed Originl Creditor: VerizonAccount #: 07722770 1 & 778500256090605

Chse Receivbles Accoun #: 0947787

Creditor ct #: 77850025 6090805JConvergent Outsourcing Ic Account #: 778500256090805Conergent Accot No: 1777940

EOS CCA Accont #: 1 05 1 104Rerence #: 778500256090805

Der SirMdme:COLAINT B LAINTIFF WILLIAM J RUOTOLO AGAINST DEFENDANTS AFNIIC CHSE RECEVABLES A ROFESSIONA OLETION GENCCONVERGENT OUTSOURCG INC. AND EOS CCA

Should you wish to discuss resolution rior to litigtion being instited lese contct theundersigned in writing vi emil by the close of business on November 29, 20 1

Sincerly

Willi J Ruotolo

CNFmETIA COMJI TIN & DISLOURE

is omuiaton ad an ls ransid with it in ard oy r eleroially re ondntial and itedd lel f us of tindividual r etiy o hom/which h ar addrssd

ote ha 18 U.SC 20 t q pvids d0ral riial d ivil nli r h uauorzd read 'hi eai l if r n th - inndd pi-nmdvh iuniaionnains dil i1atnadi-idnlrt-ididl1d;-l ou


34/45

'

STATE OF ODE ISL ND ROVIDENCE LTATIONS

ROVIENCE, SC

WILLIAM RUOTOLO,Plaint

v

AFNI, INC ,CHASE CEIVABLES ,

SUERIOR COURTCIVIL DOCT # CA C2

A ROFESSIONAL COLLECTION AGENCY,CHASE CEIVABLES, C,CONVERGENT OUTSOURCING, INC, and

. EOS cA: -

- - - -

Defndants

COMLAINT BY PLAINTIFF WILLI RUOTOLO AGAINSTDEFENDANTS, AFNI INC. CHSE ECEIVLES A PROFESSIONAL

COLLECTION AGENCY CONVERGENT OUTSURCING INC EOS CCA

NOW COMES te nt, WILLIAM RUOTOLO nd sttes s

ows

Te nt, WILLIAM UOTOLO, s Rode Isnd resdent

whose crent dess s O ox 1 1 1 Nort Sctte, RI 0285

2 Te Dendt, AFNI, INC, s n entty ncororted n the stte

usness ddress sted s 0 Mt Luter ng Dre, Boomgton, IL 02


UOTOOv. EOS A, a/PD2013-To Be Determind


35/45

. The Dendn CHASE RECEIVLES A ROFESSOAL

COLLECTO AGECY s eny ncoored n he se of Clrn nd s cooron hch rovdes de collecon seces s usul usness _

ddress lsed s 27 Brodwy Sonom CA 9578 nd whose regsered gen

r serce of rocess s Terremce L. 95 Clrn Blvd. CA

. The Dend CHASE RECEIVABLES NC. s eny"

incoored n he se of Cl nd s cooron hch rovdes de

collecon serces hs usul usness ddress lsed s 27 Brodwy

Terremce L f 95 Cl Blvd. CA 955 9 nd s of ovemer 22

203 he Secrery of Ses wese ndces s enes sus s

SUSEDED."

5 . The Dendn COERGET OUTSOURCNG NC. s eny ncorored n he se of sngon d s cororon hch rovdes

de colleon serces hs usul usness ddress lsed s 800 S 9h

Sree O Box 900 Renon A 98057 nd whose regsered gen r serce

ofrocess s Seven J. Huner 800 S 39 Sree A 9057900

6. The Dend EOS CCA s eny whch s engged n de

collecon ouou e Uned Ses wh usul lce of usness 700-


UTL v EOS Ctal.PCD2013-To Be Dtrmind


36/45

ov 20 onrs s dqurs n mbug (Gm)," nd EOS

A s dqurd jus ousd Boson

Norll, Mssuss" S //osom/AbouE_OSA/b/56/Dulspx I s no

rgsrd Mssusts Sy of S, opoons Dvson ndr

nm EOS A OS A s n nty povds db olon

srvsi 7 Bg n, o od nu, 202, d ms ,

Dndns, nd or pdssors or ssgs, vous ms povdd

omunon

Fr b ollon Prs A Pub L 095 , 808 9 20 S 966

((2006)) d 5 US 692692p d T od Islnd Fr Db

ollon Prs RIGL 9 9 roug 9 9

9 In, o rond nu, 202, Dfnds, d o r

pdssors sss, r r Pln onsd db nd proof

of db nd rqusd domns, nformon nd proof of db by, nr ls,

qusng llong

s qusd y povd, n v (5) busnss dys

y proof of lmd db od

- - - --- - - - - -

- - - b A brkdon of lmd db rsp o ouns od


UT i EOS A, a/. D01 3To B Dnnd


37/45

d s qusd you dly dvs o ognl

lmd do s nd lmd db s bnpsd nd by om

You qusd o povd ll nos nd domnon

qud n ompl Fdl F Db ollon

s Af I s qusd you povd poof of db nd sgns of

ppod dbo om yo pdssos ollon gns nd

lmd do f ny

sp o o ognl do sussv do(s, o ny

ollon gny s luld moun s lmd o b

od

s qusd ny nd l doumnon ppotng o b

on on you o ny do n ns n bov

bn t dsgnd nd ORIGINAL do.

Inmondnfyng nm of y ps o puss of

lmd db

j. s qusd ny ont puong o sll o ns ny

db oblgon lms o nvolv do nd bov


UT. EOS et a/ D20 B Dtrmd


38/45

k Any nd l documentation related to notices sent by VERIZON

conceng claimed delinquency with respect to n account in the

me of the undersigned r the past ree () yers.

1. Any and al docmentation reecting payments made to VERIO,

including but not liited to, copies of cncelled checks, electronc

payments om the undersigned's bk accont, and any other

electronc payments ade to VERIZON"

0 The Dendnts iled to comply with a majort of the requests

and iled to comply with The Fair Debt ollection Practices Act Pub L 109

hode Islnd r Debt ollection Practices R.I.GL 91491 through 19

4914

1 As a direct nd proximate cause of e act of Dendts conduct,

msrepresentation, nd aud, the Planti was nncially hrmed

CAUSES OF ACTION

COT I(Violation f The Fair Debt Collection Practices Act - Pub L 109351

801819, 120 Stat 1966 ((2006)) and 15 US.C 16921692p)

1 2 The Plti LI . RUOTOL, repeats nd reavers

praaphs though above as if ey were stated here verbam.

------------- -- Beginng i or around Janur, 2012 nd at ties thereaer, e


UTL'" ES CA etl PD013 o Be Ded


39/45

14 or rond nur, 2012, the endnts, were subjet to The

air ebt olletion Praties At Pub L 1 0935 1 , 80 18 1 9, 1 20 Stat 1 966((2006)) nd 15 US 16921692p nd The ode Isld air ebt

olletion Praties RIG 1 914 91 rough 1 91 49 14

1 5 n, or ound nu, 2012, the efendnts, and or their

predeessors or assigns, were awe that the Plainti ontested the debt and proofof debt nd requested doents, ination nd proof of debt b, inter alias,

requesting the llowing

a It was requested that the provide, witn ve (5) business das

-

a

:-lm deEow:--

b A bredown of e laie debt wi respet to aounts owed

and dates on wh lamed debt was owed

c. t is reqested that ou provide proof of signates on n laied

debt owedd It s requested that ou ediatel advise who the original

laied reditor was and whether the laied debt has been

purhased nd b who

eYou are requested to provide all noties d doumentation

required in opliane with the ederal air ebt olletion

Praties At


RUOTOLO 1. EOS A etl D20 o e Drmed


40/45

g s rusd h ou provd n nd ll domnon wh

rsp o how h orgnl rdor, sussv rdors, or nollon gn hs luld h mo whh s lmd o b .

I

owd

h. I s rusd h n nd ll donon purporng o b

onr on whh ou or rdor w nrs n h bovbn udrsgnd nd h OG rdor

1. Inrmon dnfng h nm of n prhsr or purhrs o

h lmd db

db oblgon whh lms o nvolv h rdor nmd bov

b provdd hs m.

. n nd ll domnon rld o nos sn b VZ

onng lmd dlnun wh rs o n o n h

nm of undrsgnd r h ps r (3 s .

n d ll doumnon rng pmns md o VZ,

nludng bu no lmd o, ops of nlld hs, lron

pmns om h undrsgnd's bn oun, nd n ohr

lron pmns md o VZ. - - - - - - - - 16 h Dndns ld o oml wh mjor of h russ


UOOLO v EOS aD013 T Be Detrmind


41/45

hode Isld Far Debt ollecto Practces IGL 94.9 ogh 9

17 . As a drect d roxmate cse of the acts of Dfedts codct

msreresetato d ad, e Plat was acally hed

8 EFO, e Plat LIAM J UOTOLO, demds

jdgmetagst the Defedts, AFNI IN, ASE EIVABLES , A

POFESSIONA OLLETIO GEY, ASE EEIVALES IN,

OVEGENT UTSOUNG, IN , d EOS A, jotly d severally,

the amot of $7000000 ls terests coss d atoys es ad r whatever

. -agncoesfjt -

COUT II(iolato of Te Rode Island Fa Debt CollectionPractcesR.I.G.L. 1

14.91 through 19-14914)

9 The Plat, IAM J UOTOLO, reeats ad reavers

aahs thogh 8 above asiey were stated here verbatim

20 egg , or arod Jaary 202, ad at tmes thereaer, the

Defedts, d or ther redecessors or assgns, at vos tmes rovded

commcato

2 I or arod Jay, 202 the Dedats were sbject to The

atsta - -- -

((2006 d 5 US 692692 ad The ode Isld Far Debt


RUOTOLO v. EOS CCA, etal.,PCD2013-ToBe Determind


42/45

of debt and requested docments, information d proof of debt by, inter alias,

requesting the llowng:

_ , _ _

a _"I was re_quested that they rovde, wthn ve (5 busness days

ny proof of claed debt owed

b A brealdown of the claimed debt wth respect to amounts owed

dates on whch claimed debt was owed

c. I is requested at you provide proof of sgnatres on any claimed

det owed.

d It s requested that you medately advse who the orgnal

prchased and by whom.

e. You e requested t provde all notces nd documentaton

reured i complance wth e Federl Far Debt Collecton

Practces Act.

f It s requested that you provde proof of debt and sgnatres of e

prported debtor om your predecessors collecton agents and the

clamed Credtor, f any

g. I s requested that you provde any nd all documentation wth

repect to how the orignal credtor, successve credtor(s), or any - - - - - -- -

collecton agency has calculated the amount whch s claimed to be


,.RUOTOLOv EOS CA.etal.,PCD20 13 -To Be Dtrmined


43/45

h. It s reqested that ny and all docmentaton prporng to be a

coact on whch yo or any credtor w an nterest n the above

between the ndersgned d th ORIGINAL crdtor.

. Informaton dentg e nme of any prchaser or prchasers of

the clamed debt

j . I s reqested that ny contract prporng to sell or ansr ny

debt oblgaton whch clams to nvolve e Credtor nmed above

be provded at ths tme.

k. Any and all docmentaton related to notces sent by VERIZON

--conerligma aluency trespctmcof tl_- -

nme of the undersgned r the past tee (3) yers.

1. Anynd all docmentaton reectng payments made to VERIZON,

ncldng bt not lmted to, copes of cancelled checks, eleconc

payments om the ndersgned's bk accont, d any other

elecoc payments made to VERZON"

i 23 The Dendntsled to comply wth aajorty of the reqests

nd faled to comply wth The hode Islnd Far Debt Collecton Practces

R.I.G.L. 1 9-149- 1 throgh 1 9-14.9-14.

i 24 As adrect and proxmate case of the acts of Dends' condct, -------

srepresentation, and ad, e Plaint was nncally hed.


IRUOTOLOv. EOS CCA. eta/.,PCD2013-To B Determind


44/45

CONVERGENT OUTSOURCG, C, andEOS CCA, jointly and severally in

the mount of $70,00000 plus interests, costs, and atoeys es nd r whatever

other dages e our sees.t nd us

T PLANTIFF SPECTFLLY SEVES THE RGHT TO

AN TS COMPLAINT TO CONFOM TO T EVIDNECE

PROCUED THOGH DISCOVERY .

JY T DEMAND

The int WILLIAM J. TOL respectlly claims a trl y _

on all issues raised in the Plainti s Complaint nd rdmages in the mount of

the Co sees t nd just as a result of the Dedts' actions and breaches of

duties owed to e Plnti

Respeculy Submitted

PLAINTIFF,

ro Se,

illiam J RuotoloPO Box 1 1 1

Noh Scituate,R 02857Phone: (401 ) 489-10 51wam0tel0@gai. 0 - --

:


45/45

Case1:14-cv-00097

-S-LDA

Document

1-1

Filed02/21/14

Page45of45PageID

#:48

.r"' t"

WHim J. RnotDloAtoey ! Cousor at LawPOx 1 :

orh Sciu, R 0857

./

Documents

Ruotolo v AFNI Chase Receivables debt collector.pdf