Capital One Debt Collection Complaint

Capital One Debt collection department,

Communication tactics Frequent or repeated calls Oklahoma

I lost my job on - -. as a result I was 4 months behind on making my payment. I communicated every month with Capital One each step. I found employment and advised them I would make a payment on - -, due to I get paid once a month on the - of each month. I later advised I would call the following Monday and verify my true pay date, because the - fell on a weekend. I called and confirmed I would pay on the -. It was also during this call that I was advised that I my next - payments would be the amount - plus - half of - payment to keep my account current. - a total of -. I believed everything was in order. However this is when the issues first started. After I made the arrangement to pay the double payment. I started getting excessive calls from the company. I would thank them and repeat to them to please look at the notes on the account. each time, the phone collectors would agree they see the notes. Yet this inconsistency started. - agent told me that I would have to agree to


I informed them I would call back on - - or - to make the agreement. Yet. I still continued to get calls. asking if I was prepared to make the payment. No one seemed to be aware of the payment arrangement unless I brought it up. Finally, I received - call from an agent who was very rude. He informed me that I had to secure the payment ( basically I had to give them my payment information over the phone and they would debit the account on the - of - -. He stated that my account would be going into foreclosure. And if I went into foreclosure the department may request all the money due at - time. I explained to him, I was doing as I was told and waiting for the - of the month to call and make the arrangement. However, I did n't want my account to go into foreclosure so I agreed and allowed him to take the secure payment over the phone. Since that time, I have been told that my agreement to pay - was not valid, I was not - months behind. I was four months and would need to pay - for the next four months to be current. I again, agreed to the -. Only to continue with calls reminding me of the balance I owe on the account. And that no agreement is on the account unless I can secure a payment. So here we go again. Today, I spoke with an agent who told me I owe - ( this is only two months behind. Confused, so why am I having to pay - for the next four months if I 'm only two months behind? This is very stressful, the inconsistency is not ideal for any business practice. If the agents do not know the correct process, why should I the consumer have to be frustrated during the process! I have spoke to countless agents on the account, some seemed to be understanding while others are trying to pressure me into securing a payment.