Capital One Financial Corporation Credit card debt complaint on 02/21/2019

Issue

I have been accused of oweing a debt that is not owed. The debt is also outside of statute of limitations for collection.The creditor is XXXX XXXX. XXXX XXXX has numerous other law firms attempting to collect the same debt for them. All of the law firms are hired and maintained by XXXX XXXX. The first company to contact me was XXXX XXXX XXXX XXXX . I recieved a letter from them attempting to collect a debt. I sent XXXX XXXX XXXX XXXX a certified letter return reciept. The letter was an order to cease and desist dated XXXX/XXXX/XXXX. XXXX XXXX which is a member of XXXX XXXX signed for and recieved the certified letter on XX/XX/XXXX. XXXX XXXX has now been notified twice to cease and desist and they have ignored all attempts to get them to stop. They keep assigning the account to another law firm who is a member of their colleciton agency. All of the attempts are from members of XXXX XXXX. In the last two months I have recieved calls from an attorney 's office called XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. They call but do not leave any messages. The latest call came from number XXXX on XX/XX/XXXX at XXXX. The call before that came in XX/XX/XXXX from the same number.

Received: 02/21/2019

Debt collection: Credit card debt

Harrassing Communications: You told them to stop contacting you, but they keep trying

Capital One Financial Corporation Response

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

Debt Pro Tips

Each State has a SOL(Statute of Limitations) for Debt

Every state has it's own rules as to how long a debt collector can sue you for a debt, based on the type of debt. A debt collector can still contact you after the SOL has expired. Be careful what you say to any collector calling on an old debt. If you acknowledge the debt or make a payment, you may be re-activating the statute of limitations.

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