CS-2026-00133 - Capital One, N.A. v. Rodney A Harrison

What's This Case About?

Let’s be honest — nobody wakes up dreaming of a thrilling courtroom showdown over $5,930. But here we are, deep in the trenches of American capitalism, where a Wisconsin-based debt collection law firm is going full legal siege on a man in rural Oklahoma because he didn’t pay his credit card bill. Yes, this is that kind of case: the kind that makes you sigh, roll your eyes, and wonder if anyone actually reads these petitions before filing them — or if they just hit “print” and “sue” like it’s an Amazon one-click.

Meet Rodney A. Harrison, a regular guy from Lincoln County, Oklahoma — population: not many, income: probably not great, luck: currently running drier than a desert cactus. On one side of this legal divide, you’ve got Rodney, presumably just trying to live his life, maybe fix a truck, buy groceries, keep the lights on. On the other? Capital One, N.A., a financial behemoth with more lawyers than most counties have dentists, represented by RAUSCH STURM LLP — a firm whose entire business model appears to be “sue people until they pay.” This isn’t a David vs. Goliath story. It’s more like David vs. Goliath’s billing department.

The saga begins, as so many do, with a credit card. According to the filing — which, let’s be clear, is basically Capital One’s version of “he said” — Rodney opened an account with the bank on or around October 22, 2019. Standard stuff. You swipe, you spend, you pay it back. Except, at some point, Rodney stopped paying. The last recorded payment? March 7, 2025 — yes, 2025, not a typo, because apparently this case lives in the future, or someone really messed up the calendar. By September 15, 2025, Capital One had had enough. They closed the account, declared it “charged off” — which, in plain English, means “we’ve given up on getting paid the normal way, so now we’re going full predator mode.” The balance? $5,930.07. That extra seven cents, by the way, feels like the universe poking fun at us all.

Now, before you start picturing a courtroom drama with passionate arguments and dramatic reveals, let’s pull back the curtain. This isn’t Law & Order. It’s more like Law & Paperwork. Capital One isn’t here to debate philosophy or morality. They’re here to collect a debt. Their claim is straightforward: Rodney used the card, didn’t pay, and now owes money. That’s it. No fraud allegations, no accusations of identity theft, no wild conspiracy theories. Just a cold, hard, $5,930.07-shaped hole in their ledgers.

The legal mechanism here is simple — and brutal in its efficiency. Capital One, through their attorneys, filed a petition in the District Court of Lincoln County, Oklahoma, asking the judge to step in and say, “Yep, Rodney owes this money.” They’re not asking for punitive damages, they’re not demanding public apologies, and they’re not seeking an injunction to stop Rodney from ever using plastic again. They are, however, asking the Oklahoma Employment Security Commission to hand over Rodney’s employment history — which feels a bit like sending a SWAT team to collect a library fine. Why? Probably to figure out if he’s working, and if so, whether they can garnish wages. It’s not personal. It’s just business — the kind of business that runs on spreadsheets and collection quotas.

Now, $5,930 might not sound like a fortune, but let’s put it in context. That’s not a couple of concert tickets and a vacation. That’s a used car. That’s a year of daycare in some parts of Oklahoma. That’s a down payment on a trailer, or a whole lot of propane to get through winter. For someone living paycheck to paycheck — and let’s be real, if you’re being sued by a debt collector in rural Oklahoma, that’s likely the case — that kind of debt can feel like a life sentence. But from Capital One’s perspective? It’s a rounding error. They’re not losing sleep. They’ve got lawyers on retainer whose hourly rates probably exceed the entire balance.

And yet, the most absurd part of this whole mess isn’t the money. It’s the theater of it all. We’ve got a verified statement under penalty of perjury… about a credit card bill. We’ve got an affidavit confirming that Rodney A. Harrison is not currently in the military, as if anyone thought he was secretly a Navy SEAL avoiding service by hiding out in Lincoln County. There’s a full DMDC database printout — a federal military status check — for a civil suit over less than six grand. Imagine: a soldier gets deployed, and somewhere, a bureaucrat in Wisconsin is checking a box to make sure Private Harrison isn’t actually Sergeant Harrison before moving forward with the lawsuit. It’s Wild West meets bureaucracy on steroids.

We’re also not told why Rodney stopped paying. Did he lose his job? Get sick? Run into hard times? Or did he just decide, “You know what? I’m done with capitalism,” and went full Thoreau in the woods with a stack of unpaid statements? The filing doesn’t say. It doesn’t care. In the eyes of the law, intent doesn’t matter — only the balance due.

So where does that leave us? With a man in Oklahoma being pursued by a bank through a law firm in Wisconsin, all over a debt that likely started with a few online purchases and snowballed into a legal showdown. No witnesses. No jury. Just paperwork, a judge, and the quiet hum of the American debt machine, grinding away.

Our take? We’re rooting for the absurdity. Not for Rodney, not for Capital One — but for the sheer, unfiltered ludicrousness of a system that treats a $5,930 credit card balance like it’s a national security threat. That it takes a federal military database check, a team of attorneys, and a formal court petition to chase down a few thousand dollars says more about late-stage capitalism than any true crime podcast ever could. This isn’t justice. It’s transactional. And if you’re waiting for a moral here, it’s this: never underestimate the power of compound interest — or the lengths a bank will go to get its seven cents.

Case Overview

$5,930 Demand Petition

Jurisdiction

District Court of Lincoln County, Oklahoma

Filing Attorney

Michael J. Kidman

RAUSCH STURM LLP

Relief Sought

$5,930 Monetary

Plaintiffs

Capital One, N.A. business
Rep: RAUSCH STURM LLP

Defendants

Rodney A Harrison individual

Claims

#	Cause of Action	Description
1	debt collection	Capital One, N.A. seeks to collect a debt of $5930.07 from Rodney A Harrison

Petition Text

1,792 words

IN THE DISTRICT COURT OF LINCOLN COUNTY STATE OF OKLAHOMA CAPITAL ONE, N.A. PLAINTIFF, vs. RODNEY A HARRISON DEFENDANT(S). PETITION COMES NOW the Plaintiff, by and through its attorneys, RAUSCH STURM LLP, and for cause of action against the Defendant alleges and states the following: 1. Plaintiff is duly and legally organized and is authorized to transact business in the State of Oklahoma. 2. On or about October 22, 2019, Defendant(s) opened a credit account with CAPITAL ONE, N.A.. 3. Defendant(s) used the account and thereby became obligated to pay the balance accrued. Plaintiff’s records indicate Defendant’s(s’) last payment occurred on or about March 7, 2025. Defendants(s) thereafter defaulted on Defendant’s(s’) obligation. 4. On or about September 15, 2025, based on Defendant's failure to pay, Plaintiff closed and/or charged off Defendant's account, then numbered ************6281, with a balance due. WHEREFORE, Plaintiff prays for judgment against the Defendant(s) in the sum of $5,930.07, plus costs, but disclaiming all allowable attorney fees, and for all subsequent costs; that the Court order the Oklahoma Employment Security Commission (OESC) to produce in writing the employment history for the Defendant for the period specified in Plaintiff’s request; and for such other and further relief as this Court may deem equitable, just, and proper. RAUSCH STURM LLP ATTORNEYS IN THE PRACTICE OF DEBT COLLECTION By: ____________________________ Michael J. Kidman, OBA # 35912 Mailing Address: 300 N. Executive Drive, Suite 200 Brookfield WI 53005 (877) 215-2552 TTY: 711 Fax: (855) 272-3575 [email protected] ATTORNEYS FOR PLAINTIFF VERIFIED STATEMENT OF COUNSEL I, the undersigned counsel for Plaintiff, pursuant to Oklahoma Statutes Title 12, section 426, state under penalty of perjury under the laws of Oklahoma that the statements made in the foregoing Petition are true and correct to the best of my knowledge. Signed 04/01/2026 , in Tulsa, Oklahoma. Michael J. Kidman, OBA # 35912 This is a communication from a debt collector. This communication is an attempt to collect a debt and any information obtained from this communication will be used for that purpose. Our File No. 5464847 IN THE DISTRICT COURT OF LINCOLN COUNTY STATE OF OKLAHOMA CAPITAL ONE, N.A. ) ) PLAINTIFF, vs. ) ) ) RODNEY A HARRISON ) DEFENDANT(S). ) ) No. CS-2026-133 Our File No. 5464847 AFFIDAVIT OF NON-MILITARY SERVICE In compliance with the Servicemembers Civil Relief Act, 50 U.S.C. §§ 3901 et seq., I, the undersigned attorney for Plaintiff, state that the following facts are true: 1. I am one of the attorneys for Plaintiff in the above entitled action. 2. I am of suitable age and discretion and competent to make this affidavit. 3. This affidavit is made in compliance with the Servicemembers Civil Relief Act, 50 U.S.C. §§ 3901 et seq., in an attempt to obtain a judgment against the above named Defendant(s). 4. I verily believe that the Defendant(s) is/are not currently on active duty in the military service of the United States. This belief is based on the attached certificate obtained from the United States Department of Defense website showing that the Defendant(s) is/are not on active duty status. Pursuant to Oklahoma Statutes Title 12, Section 426, I state under penalty of perjury under the laws of Oklahoma that the foregoing is true and correct. Signed 04/01/2026 in Tulsa, Oklahoma. RAUSCH STURM LLP ATTORNEYS IN THE PRACTICE OF DEBT COLLECTION [signature] Michael J. Kidman, OBA # 35912 Mailing Address: 300 N. Executive Drive, Suite 200 Brookfield WI 53005 (877) 215-2552 TTY: 711 Fax: (855) 272-3575 [email protected] ATTORNEYS FOR PLAINTIFF Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-6696 Birth Date: Oct-XX-1974 Last Name: HARRISON First Name: RODNEY Middle Name: A Status As Of: Apr-01-2026 Certificate ID: 94NRGMBD8856YXX <table> <tr> <th colspan="4">On Active Duty On Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects the individuals' active duty status based on the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">Left Active Duty Within 367 Days of Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date</th> </tr> <tr> <th>Order Notification Start Date</th> <th>Order Notification End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects whether the individual or his/her unit has received early notification to report for active duty</td> </tr> </table> Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq. as amended) (SCRA) (formerly known as the Soldiers’ and Sailors’ Civil Relief Act of 1940). DMDC has issued hundreds of thousands of “does not possess any information indicating that the individual is currently on active duty” responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person’s status by contacting that person’s Service. Service contact information can be found on the SCRA website’s FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/#/faqs. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(c). This response reflects the following information: (1) The individual’s Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. IN THE DISTRICT COURT OF LINCOLN COUNTY STATE OF OKLAHOMA CAPITAL ONE, N.A. PLAINTIFF, vs. RODNEY A HARRISON DEFENDANT(S). No. CS-2024-133 Our File No. 5464847 ENTRY OF APPEARANCE AND NOTICE OF CURRENT ADDRESS Plaintiff's counsel, RAUSCH STURM LLP, hereby notifies the court and all concerned parties of its updated attorney roster and address of record. The attorneys for RAUSCH STURM LLP are Nicholas Tait, Megan Halc, Ryan Jordan and Michael J. Kidman. All pleadings, notices, communication and other correspondence intended for Plaintiff or Plaintiff's counsel should be served to RAUSCH STURM LLP at the firm's current address, 300 N. Executive Drive, Suite 200, Brookfield WI 53005. Plaintiff does not consent to receive service by electronic means. BE ADVISED that the following former RAUSCH STURM LLP attorneys are no longer associated with the firm and are no longer attorneys of record for Plaintiff: Deborah A. Peterson, OBA No. 14895 Stephen Tyler, OBA No. 32279 Kaleb Boese, OBA No. 32355 Jason Pedraza, OBA No. 33038 Keith Daniels, OBA No. 19788 Michael Castro, OBA No. 32317 Amber Meadors-Fouda, OBA No. 33374 Julie A. Rausch, OBA No. 21455 Respectfully submitted, RAUSCH STURM LLP ATTORNEYS IN THE PRACTICE OF DEBT COLLECTION By: ____________________________ Michael J. Kidman, OBA # 35912 Mailing Address: 300 N. Executive Drive, Suite 200 Brookfield WI 53005 (877) 215-2552 TTY: 711 Fax: (855) 272-3575 [email protected] ATTORNEYS FOR PLAINTIFF