Capital One Debt Collection Complaint

Credit card Cont'd attempts collect debt not owed debt was paid

Capital One Debt collection department,

Credit card Cont'd attempts collect debt not owed Debt was paid Pennsylvania

I am attempting to dispute a debt that i do not owe. The alleged debt is for a store card that i paid off -/-/-. I received my final statement from them, validating that i did not owe anything on my account -/-/-. As a matter of fact, my account had a - $10.00 balance on it as i hade made a return after i paid off my balance. Regardless, i did not owe them anything. That was the last i heard from them as i have not used that card since. The in - of this year, -/-/-, i received a letter from - stating that they bought my account and that i owed $390.00. I immediately disputed this claim, sending them the last statement i received in regards to my account. I requested they look into the matter. In response, they sent me the -/-/- statement showing i paid my balance in full, I paid $10.00 more to be exact because of the return. The statement they sent me clearly showed that i owed nothing, yet they still claimed i owed the $390.00. I mailed them again requesting validation as to how a - $10.00 balance turned into me owing the said amount on my account. They mailed me no such validation, simply a letter stating that their records show i owe the said amount and if i wished to dispute it i should send documentation that the account was paid off, which i had already done previously. I am beyond frustrated with this whole situation and their handling of this matter. Upon investigation if this company, they have had multiple complaints against them, including multiple government actions and subsequent ruling against the company for violations of the law regarding debt collections, attempting to collect debts from the wrong people and the filing of false affidavits in court. - -This company needs to be shut down so they cant harass and scam anyone else. They obviously have learned nothing from their past wrong actions.

Capital One customer in Pennsylvania
Oct 05, 2015

* Source: CFPB Complaint Database

Capital One response to complaint:
Closed with explanation

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Contact Capital One

http://www.capitalone.com/
(703) 720-1000
[email protected]
1680 Capital One Dr
McLean VA 22102
Capital One
Capital One

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