First National Bank of Omaha Credit Card Complaint

First National Bank of Omaha Credit card department,

Credit card protection / Debt protection California

On -/-/-, a process server dumped a summons that had my name on it to my wife while I was not on premise. Regarding a credit card I held once with a banking association called FIRST NATIONAL BANK OF OMAHA. I do remember I did have a conversation with that institution once, informing them of my unemployment status, but not aware of the balance nor did I have any information in the form of statements to what that balance was. That particular credit card was destroyed, by myself, two years ago in -/-/-. Now I am being sued, by a law firm called - - - - -, - -, - -, CA -. Tel : ( - ) -. I have never heard of this firm, this the first time I 'm seeing anything related to a credit card account that is in arrears, and given 30 days to respond in the Superior Court of California, - - County, where the financial institution, First National Bank of Ohama, has never sent me any email, phone call or mail that to let me know of an outstanding debt. I have not even been given an opportunity to verify whether the


This law firm, -, as far as I can determine, was required to at least send me a letter letting me know they had been retained to settle a debt on behalf of the finanical institution. If they had, I would have worked with them. Instead, I 'm getting hit with a lawsuit, without any warning, or being informed prior, that there is a debt out there with my name on it. And with any credit card, according to the Fair Debt Collection Protections Act of -/-/- FDCPA, I was supposed to be informed and given ( x ) amount of time to contact to find out if the debt in question is mine. I was not given this. Instead, no communication from the financial institution, no communication from the debt collection '' law firm it apparently was handed to. What I know is I have a right to review the debt, with all relevant information pertaining to it, PRIOR to having a lawsuit filed. This financial institution and this debt collection law firm violated my rights to review the debt to determine whether it was mine and respond in a timely manner. Instead, my wife gets hit with a summons of a debt that is addressed to me, and me solely, when I was not there, without any form of prior attempts of communication by the firm or the financial company. Which is a violation of the FDCPA and my rights as a consumer, over a debt I do n't even know if it 's mine. Thank you for your time.