Capital One Credit Card Complaint

Capital One Credit card department,

Delinquent account Ohio

I signed up for a Capital One card in -/-/-. The interest on the card was unmanageable, and after making $ -/month payments that did nothing to reduce what I owed, I stopped making payments in -/-/- or -/-/-. I realized this would negatively impact my credit, but I had no means to pay down the high interest on the card. In -/-/-, while in college at -, Capital One sued to collect all the unpayable interest. When I received the notice of legal action, I also received a credit card offer in the mail the same day from Capital One. I had no money for legal representation and Capital One won in my absence. That was in -/-/-, and in the years since, I have received many credit card offers from Capital One, but I heard nothing in regards to the judgement against me.


I make $ -/hr. I have no savings. I have student loans I ca n't afford to pay, and a car I ca n't afford to fix. I live in a - room apartment. Despite all of this, Capital One is taking $170.00 out of each check ; that 's $350.00 a month. I can no longer afford to pay basic bills. Capital One gave out credit cards specifically to profit from the high interest, then waited to pursue legal action until the last possible moment, then waited 11 years to collect on that debt. If Capital One was so concerned with getting their money then why would they wait 5+ years to sue, then 11 more years to collect? If they 're so concerned with collecting their debt that they sue a poor college kid, then why have they consistently tried to sign me up for another Capital One card since suing me? I 'm asking that in light of Capital One 's predatory practices and continued disregard for the ability of the poor people they prey upon to pay back debt while still sending new credit card offers, that this debt be forgiven by the company and that all future credit card offers cease. Their actions have shown that, by continuing to offer more credit cards, they do n't need the money and they do not care about giving it away.