Capital One Financial Corporation Credit card debt complaint on 02/19/2019


Both Capital one and XXXX XXXX XXXX were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked XXXX XXXX for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On my XXXX account, it shows that Capital One, only recently, closed the account on XX/XX/2019, with a pay status of " Current or Paid as Agreed ''. Despite this, XXXX XXXX has been actively harassing me with phone calls multiple times a day ( every day, including weekends ), that start at XXXX XXXX and go throughout my time at work. They have even sent various letters that threaten to sue me ( to various unverified addresses ) with one being delivered to my old address and signed by somebody else, with no intent to do so. A lot of the times I felt that they have even misinterpreted themselves as legal counsel. I have attached their most recent letter, that I've received, which is threatening legal action, as well as what both creditors have reported to XXXX. The only reason that I have not tried to resolve this issue with them directly is because I feel that this company is untrustworthy, from what I've experienced so far and would appreciate the help of a third party.

Received: 02/19/2019

Debt collection: Credit card debt

Took or threatened negative or legal action: Threatened to sue me for very old debt

Capital One Financial Corporation Response

This issue was responded to within 15 days by Capital One Financial Corporation

Debt Pro Tips

What qualifies as harassment by a debt collector?

Examples include repetitious phone calls intended to annoy or abuse, obscene language, and threats of violence or being arrested for a civil debt. The Fair Debt Collection Practices Act (FDCPA) provides penalties of up to $1,000 for creditor harassment.

Can a Debt Collector Sue?

Yes. There are many debt collectors who have threatened lawsuits in the past, and some follow through. Many don't. The FDCPA prohibits a debt collector from threatening to do something that they don't really intend to do. If you have been threatened, your rights may have been violated.

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