Capital One Disclosure Verification Of Debt Complaints

Review and analysis of over 224 complaints against Capital One

Capital One consumers have reported over 224 official complaints related to Disclosure verification of debt. Out of the 224 consumer complaints against Capital One, 16% were disputed by the consumer (i.e. the consumer was not happy with how Capital One responded to their complaint) and 99% were processed in a timely manner. 2% of consumer complaints against Capital One resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 4% resulted in non-monetary compensation.

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New Disclosure Verification Of Debt Consumer Complaints


Capital One Debt collection disclosure verification of debt right to dispute notice not received

May 10, 2016 - Despite many attempts, the bank continues to report incorrectly to the credit bureaus an account that was closed. The bank refused to acknowledge that the account was reported as charged off when a payment had been made before the anticipated date of to prevent to prevent a charge off classification. Although I tried many times to have the record corrected the bank refused. I gave up trying to get the bank to correct the record. Later, the bank offered a discounted pay off which was supposed to eliminate the charge off status and replace it by account settled at less than the book balance. Th...

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Capital One Debt collection disclosure verification of debt not disclosed as an attempt to collect

December 4, 2015 - I would like to know, where and who do I need to get in contact with to try and settle a charge off on my account. The Credit card company is telling me its the collection agency and the collection agency is telling me the credit card company that can update and remove the negative report when it 's paid.. Please help me with who and where I need to go. ...

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Capital One Debt collection disclosure verification of debt not given enough info to verify debt

November 2, 2015 - Capital One has been reporting a Charge Off current even though it was charge off since -/-/-. I been trying since -/-/- to have this debt validated in -/-/- they send me a verification letter saying they no longer owe this debt that it was transfer to - -. It stated the account was sold and that their records indicate any balance that may be due was transferred in the sale. I never recall any such credit collection company being on my credit report. I currently initiated a dispute again with all 3 credit bureau Capital One is still showing this charge off from -/-/-...

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Capital One Debt collection disclosure verification of debt right to dispute notice not received

November 1, 2015 - I had a Credit card from a company that I defaulted on. - assumed the loan and contacted me. I agreed on an amount I owed and paid the debt. I received a notice of payment and though everything was fine. After looking at my credit monitoring service, I could see that - ( - ) reported correctly that the account was delinquent for the month of -, then paid as agreed. However there was another month that showed up, -. I did not agree with this and did a dispute. 35 days later the dispute comes back as updated and - now list my account in the same closed status but with the delin...

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Capital One Debt collection disclosure verification of debt right to dispute notice not received

October 27, 2015 - In -/-/- I opened a Capital One credit card acct. It was a $500.00 credit limit. In the same year -/-/- I lost my job and was un`able to find a job paying more than $7.00 to $8.00 an hour. So in -/-/- after my unemployment funds ran out, l could n't pay my debt. As my debt proceeded to remain past due, the collection attempts were strong and stronger. There were threats of me being sued as well as being garnished from my wages if l continued to not pay my debt. Capital One forwarded my debt to their sister offices to persue collections while building fees on the $400.00...

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Capital One Debt collection disclosure verification of debt right to dispute notice not received

October 17, 2015 - I did not receive proper time on verification of debt. On - -, 2015, I received a collection letter from - , - - - - - ( - ) for a Capital One account that I was unaware of having the account. I phone that same day, - - at -, to discuss a settlement and check on another account that was being verified as my account. I have other accounts with -, they know my history is to call when presented with a letter since I have no phone and work out a settlement. - also has my permission to use email. My mail was being delayed and lost at the time that - sent...

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Capital One Debt collection disclosure verification of debt not given enough info to verify debt

October 1, 2015 - I hired an attorney to help me validate an allegedly unpaid debt with Capital One. My attorney has sent numerous requests in writing ; as well as confirming receipt of those requests via phone notifying Capital One that I have hired them, and Capital One refuses to release the validation of debt to my attorney. They state that the requests are not valid ; however, I have signed the requests to allow my attorney to speak with them. Please find a chronology attached:-/-/-/15 My attorney sent original written authorization and request for validation documents-/-/-15 My attorney spoke to...

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Capital One Debt collection disclosure verification of debt not given enough info to verify debt

September 26, 2015 - I have asked - to furnish proof that indeed this account on my credit report is mineThey are not validating and said they do n't have anything listed on my credit report ...

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Capital One Debt collection disclosure verification of debt right to dispute notice not received

July 17, 2015 - Re : Request for Investigation/ Debt Validation Request Capital One Bank USA- Account # - Sold to - - - No Address on FileATTN : - - - / Federal Trade Commission / Capital One Bank USAThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from - - debt collection agency on my credit file. Experian Report Number : - Dated : - - -. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never vali...

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Capital One Debt collection disclosure verification of debt right to dispute notice not received

May 30, 2015 - I was told that this old account was re-aged and sold to - -. I contacted - - and worked aggressively to pay this off within months by making doubled payments and large debit amounts as agreed by payment plan with myself and - -. I made the final payment before the plan was up because the rep and Account Manager told me the file would be closed and removed from my credit files. I have never received correspondence from them as paid in full or it removed from my credit files. I have sent them numerous goodwill letters and they have never responded. I would have never paid them...

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Capital One Debt collection disclosure verification of debt not given enough info to verify debt

May 22, 2015 - I requested verification of debt, debt collector and/or attorney stated they did not have to provide me with proper validation of debt the further stated that copies of past statements were validation of debt. I am not disputing that I owe the company money I 'm disputing the amount I have questions about the debt I requested proper validation of the debt as well as the signed contract from the credit card company and signatures of purchases that I personally made with the credit card none of which I have been given except for copies of statements of two plus years ago. ...

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Capital One Debt collection disclosure verification of debt not given enough info to verify debt

May 19, 2015 - They told me that it would not hurt my credit and I can dispute it and it will be removed. This was false and I was misled into thinking this account would not damage my credit score but it has tremendously. Want this account removed from credit. ...

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Capital One Debt collection disclosure verification of debt not given enough info to verify debt

April 29, 2015 - In - Capital One filed a - with IRS for a charge off of a - card debt in -. I have no records of this at all. I found out about it from the IRS. On call Capitol One, they will not send any documentation, only the card number which is not mine. I have never had any calls, letters or other correspondence on this issue. The IRS is currently charging me interest and has threatened fines and will not even discuss relief on this issue without documentation, of which I have none. I did work for a company that filed bankruptcy around - and it is possible that my name was attached to a c...

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Capital One Debt collection disclosure verification of debt right to dispute notice not received

April 25, 2015 - Capital One Auto Finance refuses to correspond with me and the amount they tell me I owe when I call them is much higher than the amount they are reporting to the credit reporting agencies. They have even verified the lower amount after I disputed with the credit reporting agencies. They also have incorrect dates on my credit reports that do n't even match their own court documents that I was recently able to obtain. I have no way of knowing how they have come up with the figure they give me on the phone or the figure they are reporting to the credit reporting agencies. ...

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Capital One Debt collection disclosure verification of debt not disclosed as an attempt to collect

April 12, 2015 - I recently had repossession of my vehicle, The vehicle was under mine and my wife 's name. I went through a divorce. Never spoke to her. She had the car for 2 years without making a payment..capital one never contacted me ..until a a couple of months ago. When the repo man came to the door.. he was looking for the truck and told him my ex wife has the truck. I ended up getting the truck back and called capital one and told them what had happened. The rep said that if I can pay on it for 12 months that I would get the title and the car paid off. I was happy to work out the plan because it seeme...

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Capital One Debt collection disclosure verification of debt right to dispute notice not received

April 10, 2015 - My credit card was transferred to a collection agency a month after I filed bankruptcy. The payment was n't even 30 days late yet. And is now reflecting as a collection account on my credit report. ...

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Capital One Debt collection disclosure verification of debt not given enough info to verify debt

April 2, 2015 - - - - sent a letter stating that the account had been referred for collection. There was no information sent to validate the debt, rather letter states that I have to dispute debt before they would provide validation. It immediately threatens a judgment instead of listing the process to verify the debt and move forward. I sent letter requesting that the debt be verified, that they were indeed engaged to collect the debt, etc. The only information that was sent to me were statements of the account. This provided absolutely no documentation that the firm was indeed authorized and engage...

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Capital One Debt collection disclosure verification of debt not disclosed as an attempt to collect

April 2, 2015 - A debt collector from - - at phone number ( - ) - called me on -/-/2015. The collector asked for me by name and I said yeah eventually. She then informed me that a had a debt for Capital One Back in the amount of $500.00 dollars. I then asked her if she was going to verify if I was the correct person by Social Security number or Birthday and address and she just kept confirming my name. I then asked her if she was suppose to give me the mini Miranda by law since she just told me everything without verifying and she did not say it. I asked her if she was required to verify and g...

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