Capital One Debt Collection Complaint

Capital One Debt collection department,

Credit card Disclosure verification of debt Right to dispute notice not received Georgia

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 validated by the original creditor. ( Capital One Bank USA ) for Disputed Billing Charges and Billing Errors in -/-/-. Therefore this account was closed. However ; for example, according to this report the most recent balance was $0.00 as of - -. But closed with a Balance $1300.00 ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of $00.00 acquire charges? Next, since there is no address on file for - - -, where were your


collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via U.S. mail at the address listed above. Since - - have now acquired this inaccurate disputed account. I am advising you that, - - -, was never notified by - - -, of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.