Consumer complaint received 2018-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX at XXXX XXXX, I called ( XXXX ) XXXX in effort to find out why I repeatedly receive harassing phone calls and text messages from ( XXXX ) XXXX which resolves as an unreachable number. 

The first point of contact was a woman who said this is an effort to collect a debt and the call will be recorded. I agreed to listen to her and find out the reasoning behind the daily harassment. First, she said I had an old CapitalOne credit card account that is delinquent. When I told her I actually have very good credit with over 5 years of 100 % on-time payment history and nothing in collections on my credit report, she told me to hold and she would verify. After a brief wait, I was then totally abused by some extra-ghetto talking unprofessional guy who claimed to be the manager of the litigation department of this company. He stated things like " you should pay your XXXX bills '', " you should know not to run up all yo credit cards and not pay them '', and so on. The killer is : this guy says that he doesn't know or care what the original woman I spoke with when I CALLED THEM said about any CapitalOne account - he was yelling at me in reference to an XXXX XXXX XXXX  account from years and years ago, who has in fact been sued by the state of Georgia for fraud and I received a cash settlement from as part of a class-action suit! ( I don't owe them a XXXX either, by the way ). XXXX is the name of the company of which I am speaking. I just called and spoke to another woman who would not give me a name in effort to get the company name. She once again confirms the matter has left their office and is going to litigation for an unresolved debt matter with CapitalOne - nothing about XXXX XXXX XXXX once again. I have researched XXXX  : *XXXX XXXX XXXX XXXX or XXXX  is a third-party collection agency based in Oklahoma . XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper conduct or sharing of information and failure to verify debts. * If this is the actual company responsible - I beg for your assistance in getting these people to stop with all of the harassment. Researching the various phone numbers online and researching the various names from voicemails left by them, like XXXX XXXX for example. 

I responded to the following voice to text message received XX/XX/18 @ XXXX XXXX EST : " Hello this is XXXX XXXX trying to reach XXXX XXXX XXXX in regards to a formal complaint that's in the process of being filed this morning for several different matters. I am calling to verify that we do have the correct address for this individual. The next step will be filing necessary paperwork within your county at this time you do have the right to contact the information '' ( END ) I called and got the info I started with today in response to this morning 's voice to text message received at XXXX XXXX EST : " This message is for XXXX XXXX XXXX. ( Robo-voice ) I'm contacting you from the process division. I received a order for you it looks like two pending charges now fortunately because I've been unable to reach you at your place of employment and also at your residence. You have the right you can contact the client to resolve the case voluntarily. Understand when '' ( END ) I asked the woman I spoke to for an account number or any contact information for the original debtor and she said now the file is no longer with them since it was filed this morning due to REFUSAL TO PAY? Today 's call with the aforementioned woman mysteriously dropped after I told her I am filing a complaint with consumerfinance.gov because I don't owe anyone referenced anything.

Company response to consumer: Closed with explanation