Suttell & Associates have violated the FDCPA on many counts in trying to sue me. One is that they are saying they are Capital One Bank when they are a debt collecting law firm. The debt they are trying to collect was charged off 2005, and they filed in 2007 as Capital One vs..., it is my understanding that legally they can not be both creditor and assigned the debt. Also, there were false payments posted for on credit report for 2006 and 2007 to keep debt active. S & A looked into my credit report without permissible reason. Also, S & A would not furnish more than a few statements with a high ballance, no beginning or end statements, claiming the Customer Agreement lets them collect with that, no need to explain. They never posted dispute on credit report. Also, supplied questionable affidavit from a Capital One employee to verify debt, but could not be contacted..even by S & A at an Arbitration.