Consumer complaint received 2020-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to resolve a account that is in collections withXX/XX/XXXX XX/XX/XXXXfor the last year. XX/XX/XXXXtook my debt from a capital one card I stopped paying on back in XXXX. I stopped Paying on the account because in XX/XX/XXXX I entered a XX/XX/XXXXfor XX/XX/XXXX and when I left the facility in XX/XX/XXXX, I was involved in a XX/XX/XXXX where my partner was XX/XX/XXXXand I sustained numerous XX/XX/XXXX 

Before entering the facility I was working something out with capital one because I notified them that there was fraudulent activity on my card and they failed to address my claim. In XX/XX/XXXX I relocated to XXXX XXXX XXXX XX/XX/XXXX from XXXX XX/XX/XXXX and I notified capital one that I had moved yet they were sending statements and notifications to an address in XXXX that I hadnt lived at since XX/XX/XXXX. I never heard back from capital one about my fraud claim and was not notified of them sending my account to a collection agency. I wouldve at least liked the opportunity to try to work something out with capital one instead of them sending my account to collections and putting it on my credit report especially after the fraudulent activity on the card Went unresolved. In XX/XX/XXXX XXXXXX/XX/XXXX contacted me and let me know that my debt was sold to them from capital one and they tried collecting on the account. I let them know that the debt amount was incorrect due to fraud on the account and that I have not received any sort of notification from capital one trying to collect on the account nor was my fraud claim addressed. Since the initial contact in XX/XX/XXXX by portfolio, I have tried numerous times to dispute the amount and each time I have been unsuccessful. They told me they wanted me to send in documentation Proving that the amount is incorrect and when I asked them what documentation they were looking for they were not able to supply me with a sufficient answer. Unless they want hospital bills, or proof that I was in a car accident or in rehab, or the fact I relocated to an entirely different state and went through to the proper channels of updating my address, I am more than happy to gather that information for them. If they want proof of my contact with capital one, then they can go to capital one And request call records on their end because all calls should be saved since they are all monitored and recorded. In XX/XX/XXXX, portfolio recovery called me. I attempted to try to work something out with them and they declined my offer. I went ahead and disputed the amount again due to my initial fraud claim from XXXX and I did not hear from them until XX/XX/XXXX. During that XX/XX/XXXX phone call I was told I shouldve received a letter stating that my dispute was denied. There was no letter sent to me and I was told I could dispute it again and send in documentation ... Again, I dont know what documentation they are wanting and I asked them and was not given a sufficient answer again. I feel like I keep going around and around in circles with XX/XX/XXXX and nothing is being resolved. If a company is requesting that I supply documentation, I feel like they should be able to tell me what documentation they are looking for that could help support my claim. This account in collections has held me back from trying to better my credit and I have actively tried to resolve this account with them and I feel like nothing is being done on their end.

Company response to consumer: Closed with explanation