Consumer complaint received 2019-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I have sent the below letter to XXXX XXXX XXXX XXXX XXXX NC and FAXed to Capital One. XXXX XXXX XXXX gave me three different FAX # s and blocked the emails. Please read the body of email sent today at the end of this complaint. I am at loss. They refuse to made a valid agreement and are attempting to get a judgement by default. My phone is XXXX address XXXX XXXX  XXXX XXXX, XXXX XXXX, NC XXXX my SS # is XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX XXXX XXXX NC Via FAX # XXXX email : XXXX Dear Mr. XXXX and `` XXXX '' ( your representative?? ) at phone XXXX XXXX I received the about Civil Summons and immediately called your phone @ XXXX XXXX on or about XX/XX/XXXX. My phone shows that it took ( 5 ) five times to get a person. I was given the above XXXX phone number to call ... ... 

I did so and spoke to a " XXXX ''. I postponed an appointmemt with a bankruptcy attorney in XXXX for Wednesday, XX/XX/XXXX at XXXX XXXX since I thought your representative, XXXX, and I had reached an agreement. She demanded my bank info to take out money. She said the agreement would be emailed to me by 7 working days and nothing would happened until she got it back notarized ... .. 

I waited and waited, and when it did not arrive, I called " XXXX '' back. I got another person named XXXX. She didn't seemed to know what agreement had been reached. I noticed on that phone call of XX/XX/XXXX that the Summons has the wrong address for me. I asked that it be corrected and again checked my email address and you have the correct one. She again promised to email the agreement and that no further legal action would be taken until the agreement process is completed. Also no money would be taken out of my bank. 

I again waited and waited with no results - no email or letter. I called again on XX/XX/XXXX. I was promised to get the agreement via email by Monday XX/XX/XXXX by XXXX XXXXby another " XXXX ''. I did not receive it ... .. 

On XX/XX/XXXX, I called Capital One and spoke to a manager, He gave his Employee # ( XXXX ) and he promised to get in touch with a manager at XXXX XXXX XXXX and ask them to call me directly before the close of business. He was to ask them to be more professional and try to settle this. I have not received a call nor email or any mail. I am now believing that the " XXXX '' person and phone number is a SCAM. All she wanted was my bank information. 

I intend to call XXXXXXXX XXXX XXXXXXXX Monday, XX/XX/XXXX @ XXXX XXXX  and get their FAX and email and send this letter. The " XXXX '' person should have an email or FAX as well. Then, I will send this correspondence to the XXXX XXXX XXXX in XXXX XXXX NC to associate with my file. I am stating again that your law firm is not to take any money from me until you act professionally and communicate with me about this agreement. I am going to contact Capital One again on Monday and send them this correspondence also. 

I DO NOT KNOW WHAT ELSE I CAN DO TO FOLLOW THE CIVIL SUMMONS ORDER. XXXX XXXX XXXX XXXX XXXX Legal Actions Taken with XXXX XXXX   XXXXXXXX XXXX 
XXXX / Sent XXXX XXXX XXXX To : XXXX, XXXX, XXXX XX/XX/XXXX at XXXX XXXX I just spoke with XXXX XXXX with XXXX XXXX XXXX XXXX.. She informed me that they had intended to take payments out of my bank without a signed and notarized agreement. She promised that she would delete the payments. I have serious doubt that this was done. I am at this point in time asking by this email that Capital One take over this issue. XXXX XXXX also stated that she did not know who XXXX at phone number XXXX actually is. I am also asking Capital One to verify by calling the XXXX number who these people are and discern why they refuse to get the correct mailing address and a legal agreement to repay, and how much money this firm actually reports to Capital One. I am sending a copy of this email and attachment to FAX XXXX attn to manager : XXXX. Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation