Capital One Credit Card Complaint

Capital One Credit card department,

Closing/Cancelling account Florida

I am - years old ; I was - at the time of my wife 's death on - -, 2014. I contacted Capital One to close my wife 's account. I was not a co-applicant, but an authorized user. I was advised that I could then have a credit card and my wife 's account would be cancelled due to her death. However, her account was not closed, but they replaced me with my wife as the primary card holder. Capital One is now holding me accountable for - of debt that should have been cancelled upon my wife 's death. I live on a fixed income and can not not pay. As an authorize user, I used the account thinking I had a clean slate ; I have tried to rectify this for two years. I have struggled to pay them $400.00 each month, while waiting for resolution, that never came. They are not able to produce the original application, which will revealed that I was never a joint applicant and did not apply for this card. Please provide any assistance that you can.