Consumer complaint received 2020-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CAPITAL ONE CREDIT CARD IS CLAIMING I OWE THEM XXXX AS OF TODAY, THE ACCOUNT WAS CLOSED AROUND MID XXXX DUE TO MISLEADINGS AND CHARGES WITH THIS BANKS SERVICES. WHEN I HAD SOME CHARGING ISSUES ON THE DEBIT CARD I HAD PLUS CHECKING ACCOUNT REGARDING XXXX, IT CREATED A PROBLEM OF THE CABLE COMPANY TAKING EXTRA OUT WHICH WASN'T THE AGREEMENT, CLOSED OUT THAT CHECKING ACCOUNT TO PREVENT ANY FURTHER MISHAPS, BECAUSE THIS WAS SHORTENING MY BALANCE TO PAY OTHER BILLS SUCH AS THE CREDIT CARD BALANCE OF CAPITAL ONE. I OPENED UP A 2ND CHECKING ACCOUNT IN HOPES THIS WOULD CLEAR A PATH TO GET THINGS PAID AND CLEARED UP, THE ACCOUNT NUMBER WAS XXXX ( CHECKING ) HOWEVER THAT TOO WAS MISHANDLED WHEN CAPITAL ONE DEPOSITED MY DIRECT PAY INTO THE OLD ACCOUNT WHICH WAS TO BE CLOSED TO PREVENT XXXX  FROM ENTERING. 
SO ALONG WITH ALL THIS 3 1/2 MONTH RUN AROUND THIS COMPANY DID, ACCORDING TO THEM I OWE XXXX ON THE SUPPOSEDLY CHECKING ACCOUNT CLOSED ENDING IN XXXX, KEPT CALLING THIS PLACE TO GET A PHYSICAL ADDRESS TO MAIL IN A MONEY ORDER, GOT THE RUN AROUND, ON XX/XX/2020 I CALLED THEM AGAIN, THIS TIME A SUPERVISOR SAID SHE WOULD STOP THE EMAILS COMING TO ME ASKING ME TO PAY, I KEPT EXPLAINING TO HER, WE ARE IN A HUGE CAMPAIGN DEBATE FOR A NEW PRESIDENT, AND THIS IS A OPEN WAR AREA FOR HACKERS TO START EMAILING PEOPLE CLAIMING TO BE THOSE OF A BUSINESS ETC XXXX FTC AND OTHERS HAVE PUT OUT WARNINGS NOT TO ANSWER SUCH EMAILS OR SEND MONEY, WHICH I CERTAINLY WASNT GOING TOO. WELL TODAY XX/XX/2020 I GET ANOTHER EMAIL FROM SUPPOSEDLY CAPITAL ONE CLAIMING TO LOG INTO MY ACCOUNT? AND MAKE A PAYMENT? NOW I AM REALLY ANGRY. SPENT 4 HOURS ON THE PHONE CALLING CAPITAL ONE TRYING TO GET TO THE BOTTOM OF THESE CLAIMS, ALL I GOT FROM DIFFERENT PEOPLE WHO CLAIMED TO BE COLLECTIONS, WAS " THIS IS SO AND SO AND YOUR ON A RECORDED LINE '', SO WHAT I AM RECORDING ALSO ON MY PHONE. I TRIED TO FIND OUT THE PHYSICAL ADDRESS TO SEND PAYOFF FOR THE CREDIT CARD THEY CLAIM I HAVE AN UNPAID BALANCE, THE WOMAN DIDNT GIVE IT TO ME, I AM SCREAMING AT THIS POINT, AS I HAVE A HECTIC SCHEDULE AND DON'T HAVE TIME FOR THESE GAMES AND INSUBORDINATION THIS BUSINESS HAS PROVIDED. 
THIS LADY CLAIMED I NOW HAVE A BALANCE PENDING OF {$390.00} ON MY CLOSED CREDIT CARD? NO WAY, IT WAS ONLY XXXX WHEN IT WAS CLOSED BACK IN XXXX. SO SHE BECAME INSUBORDINATE AND WOULDN'T ANSWER HOW TO GET THE THIS CHECKING ACCOUNT UNPAID PAYMENT OF XXXX PAID. SO THIS LEAD ME TO CALL THEM BACK AGAIN, I MUST OF WENT THROUGH 4 DIFFERENT PEOPLE IN 2 HOURS BEFORE I GOT ANY ANSWERS. 
I TOLD THEM ALL, THIS IS XXXX  TO TRUMP UP THESE CHARGES WHEN I HAVE ASKED FOR A STATEMENT TO BE MAILED STATING THESE FEES AND CHARGES SO I COULD SEND A MONEY ORDER IN TO CLEAR IT ALL UP. 
FOR 3 MONTHS CAPITAL ONE STALLED SENDING ME ANYTHING. 
THIS HAS TO STOP NOW, ENOUGH OF THIS ROBBING PEOPLE OUT OF RETALIATION BECAUSE THEY LOST A CLIENT, HAD THEY DONE THE JOB RIGHT AS ASKED, NONE OF THIS WOULD BE HAPPENING. 

NOW CFPB, I HAVE CONTACTED YOU ON THIS BEFORE, AND YOU CLOSED THE ACCOUNT AFTER A PERSON RESPONDED TO THE COMPLAIN EXPLAINING THE SITUATION, THIS IS FAR FROM OVER. IF I HAVE TO SEND A REPORT TO THE FTC OF YOUR MISHANDLING AND NOT MAKING SURE THIS IS DEALT WITH PROPERLY I WILL, AND IF I HAVE TO GET THE NEWS INVOLVED I WILL, YOUR NOT ASSISTING A CITIZEN OR CONSUMER WHEN YOU HALF WAY HANDLE A COMPLAINT. FEDERAL OR NOT, THE CONSUMERS OF THE UNITED STATES SHOULD NOT BE PLAYED AS GIMMICKS FOR OTHER PEOPLES FINANCIAL PLEASURE. YALL NEED TO BACK UP THAT BRONCO PONY AND TAKE A GOOD LOOK AT THE BIG PICTURE WHAT IS GOING ON, ALLOT OF FRAUDULENT DEALINGS AND ITS RUINING MANY GOOD PEOPLE WHO DONT DESERVE THIS TREATMENT. THIS IS HOW YOU LOOSE TRUST! 
NOW I AM NOT PAYING THE CREDIT CARD BALANCE OF XXXX CAUSE I DONT OWE NO XXXX, IT WAS XXXX WHEN IT WAS CLOSED, I AM NOT ASKING I AM DEMANDING THAT BE WAIVERD BECAUSE HAD THEY SENT ME THE STATEMENT IN THE USPS WHAT THE BALANCE WAS, I COULD OF HAD THAT PAID AND OUT OF THE WAY, THE SAME APPLIES WITH THE CHECKING ACCOUNT ENDING IN XXXX. 

I DONT HAVE THE CREDIT CARD ACCOUNT NUMBER OR ANY OTHER STATEMENTS, THOSE WERE ALL ELECTRONICALLY SENT ON THEIR SITE. 
SO I AM ASKING THAT I HAVE 1 DIRECT ADDRESS TO SEND 1 PAYMENT OF XXXX TO TAKE CARE OF ALL AND BE DONE WITH THIS MESS ONCE AND FOR ALL. I DONT WANT TO HEAR OR READ ANY MORE CAPITAL ONE XXXX ANY MORE. 
MY XXXX XXXX XXXX XXXX, XXXX MN, XXXX IT WILL BE OPEN FOR A FEW MORE DAYS, BEFORE I CLOSE OUT, I WILL NOT LEAVE ANY FORWARDING ADDRESS, IM CLEANING THE SLATE AND STARTING A NEW LIFE WITH OUT THE DRAMA OF NEEDY PEOPLE. AM I GETTING MY MESSAGE ACROSS TO YOU OR DO YOU NEED STICK PEOPLE DRAWINGS TO UNDERSTAND?

Company response to consumer: Closed with monetary relief