Consumer complaint received 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Every month, for the past five years, third party collections agency company, XXXX XXXX XXXX collections continues to fraudulently report two closed and paid in full accounts. Since XXXX both Capital One Bank and XXXX XXXXXXXX XXXX have been paid in full on both accounts. This reporting has been disputed numerous times with documentation to the three major bureaus that continue to report the fraud, citing FCRA compliance. These fraudulent and deceptive practices continue to adversely effect the consumer in question, XXXX XXXX XXXX. We are moving to sanction XXXX XXXX XXXX collections creditor ( and the original creditor ) for reporting fraudulent, incorrect, baseless information that are posing negligence and injury resulting in current adverse actions from other creditors at the same time causing XXXX XXXX, instability, mental health relapses, breaks in case management treatment concerning her finances and support. She continues to experience undue financial hardship concerning affordable housing as she has been homeless since XXXX due to these adverse actions. XXXX XXXX also requested correspondence of a paid in full letter from original creditor Capital One Bank in which they agreed to send in XX/XX/XXXX on a recorded call. Capital One Bank has confirmed that this account was discharged in bankruptcy and should not be reported by a third party debt buyer. This creditor is violating federal law, namely section 524 of Title 11 of the United States Code. 5 years of negligence, personal injury, private data breach, and false reporting on the consumer 's credit report. Capital One Bank is in violation of the decision made in the creditor 's meeting by the Trustee of Maryland District Bankruptcy Court proceeding in XXXX -- discharge order ( a copy was sent to Capital One Bank from the US Trustee ) and disregarded by the Bank because reporting via collections resumed in XXXX and hasn't stopped since the stay order and discharge ( according to all three consumer credit bureaus ). This year, we have claimed {$900.00} XXXX in damages via federal settlement proceedings which will have XXXX XXXX reopening her Bankruptcy filing to sanction this third party debt buyer and the original creditors. This is the XXXX, XXXX, and XXXX report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( FCRA ) ; >PLACED FOR COLLECTION< XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are reported with no adverse information. AccountName XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA N A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation