O stars. I want to share my experience with Community First and raise awareness about their…read morediscriminatory actions, false debt reporting, and collection tactics. Jason Borkovec, Director of Collections, Ryan Olson, Vice President of Consumer Lending, and other employees/executives have shown a complete disregard for consumer rights and the law. They have even claimed that I don't have rights they are bound to respect and insisted that any loan must be completely on their terms, without regard for consumer rights or legal protections.
This behavior directly violates US and Florida law, which explicitly prohibits corporations from having policies inconsistent with the law. As I am determined to make these facts known for justice, I filed a lawsuit citing constitutional violations and demanded a jury trial. However, they are now attempting to dismiss the case using attorney Michael Paul Orta.
Although they initially defaulted on the complaint, the judge allowed them to set aside the default judgment and suggested that I amend my complaint, which I promptly did, exercising my right to do so. Alongside their motion to set aside, they filed a motion to dismiss. While the motion acknowledged my claim in the first paragraph, it argued that it did not warrant relief. However, the subsequent paragraphs appeared hastily put together, containing irrelevant details and incorrect account information.
So I amended my complaint to provide further clarity. Yet, immediately after, Michael Paul Orta filed another motion to dismiss, claiming failure to state a claim. This is a strategy commonly employed by attorneys to swiftly dismiss a case without addressing its merits. Furthermore, Orta publicly labeled my case as frivolous and made insulting comments towards me via email. It is evident that both he and the executives at Community First have been attempting to gaslight me.
Initially, I filed a complaint and my first amended complaint for contract fraud, as they had deceived me about my rights, denying my ability to assert them. However, I subsequently amended my complaint a second time to focus on discrimination. Despite their false statements regarding my rights, they denied me a loan unless I signed the documents with only my signature, excluding the phrase "All Rights Reserved."
Adding to the complexity, despite their knowledge that I have a valid case, both Michael Paul Orta and the executives at Community First have consistently refused to allow me to amend my complaint a second time after he filed his second motion to dismiss. This further demonstrates their attempt to prevent me from presenting a clearer claim. They insist on subjecting my pleadings to the same stringent standards as lawyers, disregarding the well-established case law that pro se litigants cannot be held to the same standards. The court should liberally construe pro se lawsuits, recognizing that self-represented litigants may not have the same legal expertise as lawyers.
Michael Paul Orta's refusal to permit me to amend my complaint substantiates their intent to dismiss the case before a jury can consider it. Their primary objective is to suppress awareness of people's rights and the details of this case. However, I remain undeterred. I am determined to make this information available to the public, and therefore, I will post similar reviews and complaints wherever applicable to ensure others are informed about my experience and the actions of Community First.
Even if this current case is dismissed, I am fully prepared to appeal it all the way to the Supreme Court if necessary or file a new case with a more concise explanation of my claim. I firmly believe that justice will prevail.
Furthermore, I find it imperative to post this information because Community First has refused to remove a negative item from my credit report. Consequently, I will report a negative item on their public profiles to alert others to their practices.
