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


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.

Debt collection / Credit card debt

XX/XX/2019 I receive a voicemail threatening to

CAPITAL ONE FINANCIAL CORPORATION Miller, Stark, Klein and Associates Took or threatened negative or legal action


Threatened arrest or jail if I do not pay

XX/XX/2019 I receive a voicemail threatening to take me to court over a credit card debt. XX/XX/2019 they called again. They even quote a new address that is associated with me. They called me last week as well. And emailed me payment processing. I email them back telling them do not contact me again I asked for an email address so I can send them a letter that an old debt is paid for. They want to try and validate my letter stating my debt was paid. They said it should have an Id number they hang up said I should pay my bills and Id get something delivered at the new address they gon na contact my job

Read More

Debt collection / Credit card debt

We owe {$960.00} on a XXXX XXXX charge card ... it

CAPITAL ONE FINANCIAL CORPORATION Valentine and Kebartas Harrassing Communications


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

We owe {$960.00} on a XXXX XXXX charge card ... it is now placed with the agency of Valentine Kebartis office and I have set up payment arrangements by ck on the XXXX of every mon ... They called me 16 x between XX/XX/XXXX and XX/XX/XXXX. I explained that I have payment arrangements made but they say because I send a check and not do a scheduled payment arrangement when they control the payment I must get this calls because their computer doesn't recognize a payment mailed in??? It is abolutely ridiculous how rude the lady was that I spoke with. Their number is XXXX I have blocked them from calling me Thank you!

Read More

Debt collection / Credit card debt

On XX/XX/XXXX, I received notification through the

CAPITAL ONE FINANCIAL CORPORATION Diverse Funding Associates Debt Verification


Right to dispute debt notice not received

On XX/XX/XXXX, I received notification through the XXXX XXXX Sheriffs Department concerning a lawsuit by XXXX XXXX, XXXX. After reading over the summons, the only information supplied by this company to the court is an affidavit. Until XX/XX/XXXX, I never heard of this company not to mention had any contact with this company by telephone, mail nor email. I contacted this company the same day to find out what this lawsuit is pertaining to and the female refused to give me any information and I advised her that this court summons do not advise me of anything. She advised me very coldly that they sent me a letter back in XX/XX/XXXX. I asked her could she send me a copy of this letter she advised me that she can put in a request but doubt if it will be approved. I never had any business with this company what so ever. XXXX XXXX never notified me in writing or by telephone or email concerning an debt. An Affidavit submitted to the court alone does not constitute that XXXX XXXX own this debt. XXXX XXXX failed to prove the following : 1 ) that it owns this debt ; 2 ) an itemize ledger of what I owe ; and 3 ) the terms of my account. XXXX XXXX failed to send an Validation Notice to me and allow me the thirty days of the date of the validation notice to dispute the debt. This company went straight to filing a lawsuit without first validating the debt, which violates the following : Fair Debt Collection Practices Act 808. Unfair practices 809. Validation of debts I am asking that this company be investigated because clearly they're not following the FDCPA.

Read More

Debt collection / Credit card debt

The debt collector named XXXX XXXX sold my credit

CAPITAL ONE FINANCIAL CORPORATION Pressler & Pressler Harrassing Communications


Frequent or repeated calls

The debt collector named XXXX XXXX sold my credit card debt {$800.00} to XXXX XXXX law office. My debt has increased to {$1500.00}. I tried to call and settle my debt. I was advised I could pay a lump sum {$1200.00}. When I called back I offered to pay {$1200.00} lump sum and was advised that settlement would no longer be accepted because they were going to garnish my wages. Both companies were very nasty and rude. I was not allowed to settle my debt. This debt continues to decrease my credit score. This is horrible customer service.

Read More

Debt collection / Credit card debt

On XXXX I received a called from a company called

CAPITAL ONE FINANCIAL CORPORATION Wells Fargo & Company Took or threatened negative or legal action


Threatened to sue me for very old debt

On XXXX I received a called from a company called XXXX XXXX and the number popped up a several XXXX United stated they left me a voicemail saying that if I dont pay my debt I will be given papers to show up to court in the next two days. Then 10 minutes later my mother received the same voicemail for me so I call them back immediately. I called them and they said I owed Wells Fargo XXXX and if I went to court I could pay up to XXXX in their legal fees unless I settled it on the phone with them with 6 payments of {$160.00}. I made an initial payment of {$160.00} and was suppose to receive and email that I needed to sign that should have contained their information but I didnt so I didnt sign. When I called back asked for their address website anything to check their validity he offered to refund my money and wished me the best of luck and hung up the phone. I received receipts from a company called XXXX XXXX XXXX for the initial payment/payment contract for 6 months and the refund. I asked for their website and he said XXXX and it didnt work. I called back later just asking questions pertaining to them and he said all they had was XXXX. XXXX and their website was XXXX but both sites didnt work. The number I called them from was XXXX and he said his personal number was XXXX his name was XXXX XXXX.

Read More

Debt Help Center