Capital One Credit Card Complaint

Capital One Credit card department,

Payoff process Texas

My husband ( now ex ) put all his debt in my name including most of his student loans ( he is a doctor ), convincing me he would pay it in full. Unknown to me, he either missed payments or did not pay the full monthly amount adversely affecting my credit score. Little did I know, my husband was preparing to leave me with all his debt. This was devastating both emotionally and financially. I notified Capital One to inform them of my personal, financial hardship and asked if they could work with me. They refused, on several different occasions throughout three years. I informed them that my divorce lawyer was recommending I declare personal bankruptcy ; however, they still refused to help me repay the debt. I did not and will not declare bankruptcy ; however, Capital One has truly adversely affected my credit history ; despite my several attempts to explain my hardship. I am and have been paying them back once the credit card was ordered by the court to be my sole responsibility without my ex-husband 's need to control me. It has been three years since that court order and each payment was timely and in full. However, six payments missed still reside on my credit history. They have blatantly refused to help me in anyway, despite my several attempts. The debt was - and now I am about to pay it in full with - large check. Do not get a Capital One credit card, an unexpected hardship may occur and they will provide no assistance. Instead they contribute more pain, stress and grief to that hardship by their denial to assist in anyway ( even when you WANT to pay the debt back ). Capital One will watch you go through this hardship and then take their proverbial dagger and slice you at the heels. Crippling you more via your credit history!