Consumer complaint received 2017-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I lost my job and prior I informed Capital One Bank that I may be late on payments due to a transition in my employment. After being unemployed the account was closed rather charged off by Capital One Bank. Prior to the charge off I inquired about a debt protection program I had been paying for in the event of such an event. I was later told that Capital One Bank no longer offered the service. I do n't recall ever receiving any such notice regarding this matter which I was certain I had been paying for since I opened my Capital One Bank card. Again the account was Charged off and closed by Capital One Bank. I started getting multiple calls in regards to the debt from now XXXX XXXX XXXXXXXX XXXX which on numerous occasions I informed the Capital One Bank I was not working and still to this date am not working in a full time capacity to cover all of my expenses. I continuously receive calls up to 2-3 times daily from XXXX XXXX XXXXXXXX XXXX. Then family members started getting calls and relayed to me that XXXX XXXX XXXX XXXX was calling in regards to debt that I owed XXXX XXXX XXXX XXXX  and they needed to have me call them to pay my bills. A call from a XXXX XXXX was received by my husband who is not on the card. Now I am receiving letter from the company stating the charged off account with Capital One Bank ( which was charged off ) will be placed with a law firm by XXXX XXXX  XXXX XXXX. The letter also states legal litigation will take place by a court hearing to raise any applicable defenses or property exemptions and that judgement are a matter of public records. This letter was sent from a XXXX XXXX with a number of XXXX ext XXXX. I do n't understand how a XXXX XXXX XXXX XXXX can repeatedly call family member and talk about my personal business, call 2-3 times daily, the bill went from {$5000.00} to {$5900.00}, and in addition threaten me with legal action. Such action especially would have a large impact on my credit which will have a large impact on my finding employment as companies today view credit history. Unfortunately a life change event happened and I am trying to rise above this and honor my financial obligations but when I 'm being threatened this is not fair and I am disputing the actions of XXXX XXXX XXXX XXXX.I lost my job and prior I informed Capital One Bank that I may be late on payments due to a transition in my employment. After being unemployed the account was closed rather charged off by Capital One Bank. Prior to the charge off, I inquired about a debt protection program I had been paying for in the event of such an event. I was later told that Capital One Bank no longer offered the service. I do n't recall ever receiving any such notice regarding this matter which I was certain I had been paying for since I opened my Capital One Bank card. Again the account was Charged off and closed by Capital One Bank. I started getting multiple calls in regards to the debt from now XXXX XXXX XXXX XXXX which on numerous occasions I informed the Capital One Bank I was not working and still to this date am not working in a full-time capacity to cover all of my expenses. I have received calls prior to XXXX XXXX I continuously receive calls up to 2-3 times daily from XXXX XXXX XXXX XXXX. Then family members started getting calls and relayed to me that XXXX XXXX XXXX XXXX was calling in regards to debt that I owed XXXX XXXX XXXX XXXX and they needed to have me call them to pay my bills. A call from a XXXX XXXX was received by my husband who is not on the card. Now I am receiving a letter from the company stating the charged off account with Capital One Bank ( which was charged off ) will be placed with a law firm by XXXX XXXX XXXX XXXX. The letter also states legal litigation will take place by a court hearing to raise any applicable defenses or property exemptions and that judgment are a matter of public records. This letter was sent from a XXXX XXXX with a number of XXXX ext XXXX. I do n't understand how a Capital One XXXX XXXX can repeatedly call family members and talk about my personal business, call 2-3 times daily, the bill went from {$5000.00} to {$5900.00}, and in addition, threaten me with legal action. Such action especially would have a large impact on my credit which will have a large impact on my finding employment as companies today view credit history. Unfortunately, a life change event happened and I am trying to rise above this and honor my financial obligations but when I 'm being threatened this is not fair and I am disputing the actions of Capital One Service LLC.

Company response to consumer: Closed with explanation