Consumer complaint received 2017-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have recently, during XX/XX/XXXX, experienced numerous attempts of collection of a debt from XX/XX/XXXX that I am not aware that I have incurred. Each time I have been contacted, I have requested an itemized list/bill/receipt ( anything ) that identifies the specific purchases claimed to have been made and location so I may review for validity. Kohl 's claims they can not provide that level of detail, nor are they required to do so. I have contacted Capital One, as instructed by the collection agents, and requested the itemized data. Capital One indicated they would request the information be provided from the retailer, Kohl 's. I have since only received information regarding the totals and locations of the claimed purchases made. I have explained that to my knowledge the account was closed prior to the purchases/billing claimed to have been made. I have explained each time that I have never received a bill for the itemized purchases and that my consistency of payment history w Kohl 's prior to the claimed default substantiates my claim to have never received an itemized bill for the claimed purchases. I have repeatedly offered to pay for what Kohl 's can demonstrate are purchases that I or my wife actually made on the account while it was open. There has been no attempt by Kohl 's, nor Capital One, to provide me any detailed information regarding specific purchases made, nor authorization when they were made. Furthermore, I never received an itemized bill, nor any billing statement for the charges prior to default collection initiation. Please note again that my payment history w Kohl 's prior to the alleged default substantiates my claim to never have received a bill for the claimed but unidentified debt. As I understand, consumer protection law requires the provision of identification of the claimed purchase ( s ) from the business claiming the debt to be due. This requirement has yet to be met by Kohl 's or Capital One, as has been requested each time contacted and also requested directly from Kohl 's and Capital One. From my perspective, based on collections harassment and failure to substantiate the claimed debt with itemized purchases identified and authorization evidence, it appears that my rights as a consumer are being infringed upon. We do not recall doing business with Kohl 's for many years due to dis-satisfaction with Kohl 's, upon which I recall paying off and closing our account prior to the subject purchases in dispute. 

Follow-up communications from Kohl 's and our rebuttal, resolution previously attempted via BBB, are also attached. 

We have yet to receive a response from Kohl 's addressing our rebuttal to Kohl 's response to our initial complaint submitted. While in dispute the calls to collect the debt have continued. Kohl 's has an apparent history of breach of privacy of customer account information and fraudulent purchase activity for which we should not be held responsible. 

A consumer should not be responsible for a claimed debt that can not be substantiated with evidence provided to the consumer of the consumer authorizing the debt. We have no knowledge of authorizing the claimed purchases nor of what items are claimed to have been purchased. We did not make the claimed purchases.

Company response to consumer: Closed with explanation