Professional Documents
Culture Documents
EXHIBIT A
. CT Corporation
Service of Proce!;s
Transmittal
07/1712014
CT Log Number 525345195
TO~
Mary Jo Spalinger
.
Business Filings Incorporated (Recipient Account Only)
802() Excelsior Drive, Suite 200
Madison, WI 53717
RE:
FOR:
Ef>IC'-OSED ARE COPIQ OF LEGAL PROCESS RECEIVED BY THl:l STATUTQRY AGENT OFTHl:l ABOVE CO!'t'IPANY AS FOLLOWS:
TITLE OF ACTIONi
DOCUMENT(S} 8ERV'Dl
,Summonses, Complaint
COURT/AGENCY:
NATURE OF ACTION:
JURISDICTION SERVED :
Rhode Island
Within 20 days after service of this summons, exclusive of the day of service
ATTORNEY(S).f SENDER(S}:
John l: Longo
996 Smith Street .
Providence, R! 02908
401-383-7750.
ACTION ITEMS:
CT has retained the current log, Retain Date: 07118/2014, Expected Purge Date:
07/23/2014
Image SOP
. ..
SIGNEDl
ADDRESSi
Suite 7A
East Providence, RI 02914
TELEPHONE:
609-538-1818
Pagr;i 1 qf 1 I BJ
Information displayed on !his transmJtt!\l ls for CT Corporati!ln's
rec;ord keeping purposes only an.d is provided to the redpient for
quick reference. Thls lnformatlon dOes not a:instltute a legal
opinion as to ~nature of actlo!I, the am!ll.int of damages, the
~r date, or any information cOl'ltalned in the documents
themselves. Recipient ls res1xmslble .f!ir interpreting said
documents and for t;iklng appropriate action. Signatures on
certified mall receipts confhm receipt of package only, not
contents.
.,
,,
Case 1:14-cv-00366-S-PAS Document 1-1 Filed
08/15/14 Page 3 of 15 PageID #: 7
PROVIDENCE PLANTATIONS
SUPERIOR COURT
Andrea Bien
Plaintiff
v.
SUMMONS
Stellar Recovery, Inc,
Defendant
John T. Longo
PROOF OF SERVICE
I hereby certify that on the _ _ _ _ _ _ _ day of _ _ _ _ _ _ _ _ _ _ _ _ I served a copy of this
summons
and
a
copy
of
the
complaint
received
therewith
upon
m
the
fol1owing manner:
By
leaving
copy
of
the
summons
and
complaint
at
his
or
her
dwelling
house,
(Address)
By
leaving a
complaint at
his or her
usual
place of abode,
, with a person of
-----------------------------~-~~~
D By leaving a copy of the summons and complaint to an agent authorized by appointment or by law to receive
service of process, namely
, such agent being one
designated by statute to receive service, further notice as the statue requires was given as
follow:
------------~--------------------~
Sheriffs Fees
Travel - - - - - - -
$_ _ _ __
Service- - - - - - -
$_ _ _ _ __
Deputy Sheriff
$_ _ _ _ __
..
PROVIDENCE PLANTATIONS
SUPERIOR COURT
Kent County
Noel Judicial Complex
222 Quaker Lane
Warwick, Rhode Island 02886
: Andrea Bien
PJaintiff
D Newport County
Murray Judicial Complex
45 Washington Square
Newport, Rhode Island 02840
D Washington County
McGrath Judicial Complex
4800 Tower Hill Road
Wakefield, Rhode Island 02879
Civil Action, File Number
14-3535
v.
SUMMONS
Stellar Recovery, Inc.
Defendant
The above-named Plaintiff has brought an action against you in said Superior Court in the county indicated
You
are
hereby
summoned
and
required
to
serve
upon
above.
John T. Longo, Esq.
, the Plaintiff's attorney, whose address is
996 Smith Street, Providence, RI 02908
an
answer to the complaint which is herewith served upon you within twenty (20) days after service of this
summons upon you, exclusive of the day of service.
If you fail to do so, judgment by default will be taken against you for the relief demanded in the complaint.
Your answer must also be filed with the court.
... -
Clerk
'
Andrea Bien,
'
.,
'
Plaintiff,
353S
vs.
Stellar Recovery, Inc.,
Complaint
Introduction
1.
Someone used the Plaintiff's personal information and good credit to fraudulently open a
number of financial accounts in Florida and possibly Georgia. When the fraudster did not
pay on the accounts, debt collectors tracked the Plaintiff down in Rhode Island and tried
to collect their money from her. The Plaintiff reported the crime to the police and told the
debt collectors what had happened. The P1l:!-inti:ff also enlisted the aid of an attorney to
help straighten out the mess.
2.
While attempting to collect one of the fraudulent debts from the Plaintiff: the Defendants
a) contacted the Plaintiff while they knew an attorney was representing her, and b)
pretended to be calling her from within Rhode Island by employing a trick known as
caller-10 'spoofing.'
Collection Practices Act (FDCPA) and the Plaintiff brings this action under the Act
seeking statutory damages, actual damages and attorney fees.
3.
The Plaintiff also alleges the Defendants' conduct while attempting to collect the a1leged
debt, specifically the call to her after it knew she was represented by an attorney,
constituted an invasion of her statutory right to privacy in violation of RIGL 9-1-28. l et
seq. The Plaintiff seeks statutory damages, actual damages, costs, attorney fees, and
punitive damages under the invasion of privacy claim .
4.
The amount in controversy exceeds $5,000 and this Court has jurisdiction to hear the
federal law FDCPA claims in this matter pursuant to 15 U.S.C. 1692k (d) and the state
law invasion of privacy claim pursuant to RJGL 9-1-28. l(b).
5.
Should this case be removed to federal court, the federal Court would have jurisdiction to
hear the state law invasion of privacy claims pursuant to 28 U.S.C. 1367(a).
6.
Venue in this county is proper because the Plaintiff is a resident of Providence County
and the conduct complained of took place, vi~ the telephone, in this county.
Parties
t'
7.
'
'
The Plaintiff Andrea Bien is an adult resident of the municipallty of Providence, County
of Providence, State of Rhode Island.
8.
The Defendant Stellar Recovery, Inc., (Stellar) is a foreign company registered with the
Rhode Island Secretary of State to, and doing, business in Rhode Island.
9.
The Defendants J Doe #1 and J Doe #2, alias, are employees or agents of Stellar whose
true identities are unknown to the Plaintiff but are known, or knowable, to Stellar.
Application of FDCPA
10.
At all times relevant to this Complaint, Stellar was engaged in the business of regularly
collecting Debts, origirially owed to third parties, using the telephone to communicate
with residents of Rhode Island.
11.
At all times relevant to this Complaint, J Doe #1 and J Doe #2, were engaged in the
business of regularly collecting Debts, originally owed to third parties, using the
telephone, to communicate with consumers.
12.
At all times relevant to this Complaint, Stellar was a "Debt Collector" as defined by the
FDCPA at 15 U.S.C. 1692a (6).
13.
At all times relevant to this Complaint, J Doe #1 and J Doe #2 were "Debt Collectors" as
defined by the FDCPA at 15 U.S.C. 1692a (6}.
I
14.
Within the past year Stellar placed phone calls to the Plaintiff, and engaged in telephone
conversations with the Plaintiff or her spouse, while acting as a Debt Collector attempting
to collect an alleged debt from the Plaintiff.
15.
Within the past year J Doe #1 and J Doe #2 placed phone calls to the Plaintiff. and
engaged in telephone conversations with the Plaintiff or her spouse, while acting as Debt
Collectors attempting to collect an alleged debt from the Plaintiff.
16.
The alleged debt that gave rise to the telephone calls arose from purchases of goods or
services primarily for personal, family or household purposes. (Hereinafter the alleged
debt shall be referred to simply as the Debt.)
In late 2012, and early 2013, an unknown person, or persons, used the Plaintiff's personal
information and good credit to fraudulently open a number of financial accounts in
Florida and possibly Georgia. When the fraudster did not pay on the accounts, debt
collectors tracked the Plaintiff down in Rhode Island and tried to collect their money
from her. The Plaintiff learned of the fraud in or about June 2013 and reported the crime
to the police. The Plaintiff also enlisted the aid of an attorney to help straighten out the
mess.
18.
In January 2014, Stellar was registered with the Rhode Jsland Department of Business
Regulation (DBR) to engage in the business of debt collection in Rode Island.
19.
To obtain the registration, Stellar had honestly completed the paperwork the DBR
required.
20.
The DBR paperwork asked SteJJar to list the locations of its offices.
21.
22.
23.
24.
On January 8, 2014, Stellar, acting by and through J Doe #1, called the Plaintiff's home
telephone number in Rhode Island attempting to collect the Debt.
25.
Stellar did not place the call on January gh from within Rhode Island.
26.
During the call on January 81h, Stellar caused the following number to be displayed on the
Plaintiffs caller-JD: 401-519-9942.
28.
29.
During the call on January 81\ Stellar caused the Plaintiff's caller~ID to not display its
name.
30.
During the call on January 81h, Stellar suppressed .its name so it would not be displayed on
the Plaintiffs caller-JD.
31.
During the call on January gh~ Stellar could have caused its name to be displayed on the
Plaintiff's caller-ID.
32.
No one answered the Plaintiff's phone when Stellar called <?n January gh.
33.
Because no one answered on January 81\ Stellar left a message asking for a call back at
877-936-1168.
34.
35..
On January 9, 2014, Stellar, acting by and through J Do~ #2, called the Plaintiffs home
phone number attempting to collect the Debt.
36.
During the call on January 91h, Stellar caused the following number to be displayed on the
Plaintiff's caller-ID: 401-536-9976.
37.
That number was different than the number it caused to be displayed on the gh.
38.
Stellar did not place the call on January 9th from within Rhode Island.
39.
Had the Plaintiff answered the call on January 91\ she would not have been connected to
someone in Rhode Island.
40.
During the call on January 9th, Stellar caused the Plaintifrs ca11er-ID to not display its
name.
41.
During the can on January 91h, Stellar suppressed its name so it would not be displayed on
the Plaintiff's caller-ID.
42.
During the call on January 91, Stellar could have caused its name to be displayed on the
Plaintiffs caller-ID.
43.
Stellar suppressed its name when it called the Plaintiff intending the recipient to not know
Case 1:14-cv-00366-S-PAS Document 1-1 Filed 08/15/14 Page~ ~'11, ' of 15 PageID #: 15
44.
Stellar caused the 401 number to be displayed when it called the Plaintiff intending the
recipient to believe he or she was receiving a call from a person or business located in
Rhode Island.
45.
Stellar believed that, by displaying the 401 number when it called the Plaintiff, the
recipient would believe he or she was receiving a call from a person or business in Rhode
Island.
46.
Stellar believed that, by displaying the 4Ql number when it called the Plaintiff, the
recipient might believe he or she was receiving a call from a person or business in Rhode
Island.
47.
Stellar knew that, by displaying the 401 number when it called the Plaintiff, some
recipients would believe they were receiving a call from a person or business in Rhode
Island.
48.
In Stellar's experience, the recipients of its debt coUection calls have been more likely to
pick-up and answer the calls when Stellar caused the recipients' calier-ID's to display
phone numbers with the same area code asthe recipients rather than Stellar's 800, 888
and/or 877 phone numbers.
49.
The Plaintiff reasserts the facts and allegatfons contained m all of the proceeding
paragraphs and incorporates them into this Count.
50.
. . ,
l'
The Defendants Stel1ar and J Doe #2 violated the restrictions the FDCPA places on Debt
Collectors when they were communicating with the Plaintiff.
51.
52.
The Defendants Stellar and J Doe #2 did the following which the Plaintiff asserts gave
rise to the violations: communicated with the Plaintiff knowing an attorney .was
representing her and having, or being readily able to ascertain, the attorney's name and
address in violation of l 5 U.S.C. I 692c (a)(2).
53.
The Plaintiff suffered damages as a result of the Defendants's conduct described in this
Count including emotional distress.
Wherefore, the Plaintiff requests judgment against Defendants Stellar and J Doe #2 for
actual damages pursuant to 28 U.S.C. 1692k (a){I ), statutory damages in the amount of $1,000
pursuant to 28 U_S.C. 1692k (a)(2)(A), costs and attorney fees pursuant to 28 U.S.C. I 692k
.(@, and for such other relief as the Court may deem just and appropriate.
54.
The PJaintiff reasserts the facts and allegations contained m all of the proceeding
paragraphs and incorporates them into this Count.
'
55.
..
I ~
f'
l: .
Each Defendant violated the restrictions the FDCPA imposes on them prohibiting them
from making false and/or misleading representations.
56.
. 57.
The Defendants did the following which the Plaintiff asserts gave rise to the violations:
caused the Plaintiffs caller-ID to display phone numbers starting with 401 area codes,
while at the same time not displaying its name, even though the calls were not place by
anyone in Rhode Island and even though had the Plaintiff answered the calls she would
not have been connected to anyone in Rhode Island and such conduct therefore
constituted the use of false representations or deceptive means to attempt to collect the
Debt in violation of15 U.S.C. l692e(l0).
58.
The Plaintiff suffered damages as a result of the conduct described in this Count
including emotional distress.
Wherefore, the Plaintiff requests judgment against each Defendant for actual damages
pursuant to 28 U.S.C. 1692k (a)(l), statutory damages in the amount of $1,000 pursuant to 28
U .S.C. ] 692k (a)(2)(A), costs and attorney fees pursuant to 28 U.S.C. l 692k (a)(3), and for such
other relief as the Court may deem just and appropriate.
'
The Plaintiff reasserts the facts and allegations contained in all of the proceeding
paragraphs and incorporates them into this Count.
60.
The cal1 Stellar and J Doe#2 made to the Plaintiff intruded on the Plaintiff's physical
solitude and/or seclusion at her home.
61.
Her home was a place entitled to be private and/or would be expected to be private.
62.
63.
64.
Wherefore, the Plaintiff requests judgment against Defendants Ste1lar and J Doe #2 for
l) actual damages; 2) costs and attorney fees pursuant to RlGL 9-1-28.1 (b); 3) punitive damages;
and 4) such other relief as the Court may deem just and appropriate.
Andrea Bien,
ByCoun~
Citadel Consumer Litigation, P.C.
Jury Demand
. Longo, Esq./#4928
My File ft: FD 3909