I recently received a summons and complaint from RVO Law, a representative of XXXX XXXX XXXX XXXX assignee of XXXX XXXX Bank on XXXX XXXX, 2015. I contacted RVO law on XXXX XXXX explaining my shock to the summons. I finally spoke to an individual named XXXX on XXXX XXXX, 2015. She explained that they had recently acquired a debt they believed belonged to me. This was the first exchange I 've ever had with RVO law. 

XXXX explained to me RVO was willing to take a settlement, avoiding any legal action. She requested bank statements, expenses, and personal information, data a collection agency has never asked of me before. This immediately sent up red flags for me. I have already been served with summons that I am obligated to respond to regardless of some agreement made post-haste. I had never been contacted by RVO law before receiving a summons. 

I am writing this complaint because I was never properly confronted about this debt by this particular collection agency. When I received this lawsuit I was dissuaded to respond ( to the summons ) although the wheels had been set in motion. Had I not contacted and spoke with a consumer financial protection bureau personnel I would have taken the incorrect course of action based off the miss information of the debt collection agency relayed to me, failing to respond to a lawsuit.