Consumer complaint received 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX ( representing Capital One ) obtained a default judgement against me on XX/XX/XXXX in the amount of {$1500.00}. I learned of this action only when my wages were garnished by my employer ( via a summons delivered directly to the payroll department ) on XX/XX/XXXX, final amount being {$1600.00}, the additional fees for judgement/garnishment. 
I then filed to have the judgement vacated ( and the funds returned ) on the basis that I was never notified of the preceding court dates ( or the garnishment ) before the judgement was executed. The judge the motion to dismiss the judgement on XX/XX/XXXX and the court sent the funds back promptly to my employer. 
However, between that time, XXXX & XXXX began sending notices to my employer payroll department misrepresenting the nature and status of my court case with them, alluding to the garnishment potentially being reinstated in the future, although the XXXX XXXX XXXX had sent notification to my employer that the garnishment had been dismissed- and they were to return the funds rightfully to me. My employer was hesitant to return the funds initially because of the inappropriate correspondence that ensued between XXXX & XXXX and my payroll department, even after the case for garnishment was dismissed. The first fraudulent letter ( attached ) was sent from their office ( dated XX/XX/XXXX ), well after it was known that the judgement had been dismissed and the funds were to be returned to me. The letter, which I received via my payroll department, stated that the Court has continued the garnishment to XX/XX/XXXX. This is deliberately false and is being inappropriately communicated to my employer payroll office. I emailed and called XXXX & XXXX directly on XX/XX/XXXX to notify them that this had occurred and they minimally apologized and issued another letter, which also went back to employer payroll department, to supposedly correct the record ( also attached ). XXXX said they had no record of the letter in their system and assured me this would not happen again. 
However, while still in final negotiations of a settlement agreement with XXXX XXXX XXXX under a court continuance, another letter from XXXX & XXXX is served once again to my payroll department on XX/XX/XXXX ( attached ). I have-and still continue- to request specifically asked that XXXX & XXXX only communicate with me directly and to cease any & all communications with my employer. The letter again alludes to the garnishment being continued, still false and misleading. Again, I called and promptly another letter was issued to my payroll department to try and correct what they say was sent in error ( attached ). These practices are unacceptable and the law firm has been negligent in their efforts to stop these letters from being sent to my employer. 
I file this complaint to get some relief from this harassment I have endured for over 6 months from this debt collector, beginning with the unlawful judgement and unexplained hasty garnishment. It remains unknown what harm this is caused in my professional relationship with my employer. I certainly hope that these unfair practices will cease for others like me who want to pay their debts without being slandered to their employers in the process.

Company response to consumer: Closed with explanation