Consumer complaint received 2019-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX thinks I am lying about what I am complaining about. Well, Here 's some proof enclosed that I have, including XXXX help DMs from XXXX, XXXX, XXXX, and XXXX. 

XXXX said that you weren't going after me, Then how come the note from your Lawyers says " This is a attempt to collect a debt ''? They say different. 


I may have attempted to drop XXXX a note with my verified info in the mail, because I knew from previous exchanges that is what you always want. I never ever saw that note you sent me. I was trying to act like I knew her so she would respond to me, because getting any kind of customer service from you is like talking to a brick wall. 
It is impossible. 

I honestly thought since she didn't respond to my emails writing her would get her to listen. I had no idea that note from her existed. 
I was attempting to get ANYONE on your side to help me and listen. Then when you do finally I don't get notice of it. Thanks. 

This fight would have never occurred if you just would have notified me of that note. 
I had no idea she wrote back offering help. Your poor communication is not my fault. 

I should not be restricted to only talking to you on the phone in order to get something done. I have told you over and over again that I can't do that. 

This is all revenge on your part for me complaining too much. 
I wanted this remedied long before now and you have always refused everything I offer. 

You're demolishing my life, your demolishing my future. You couldn't care less. 

Since you've gone so low to essentially call me a liar now, I have a feeling even though I have sent proof you will still call me a liar. 
I know you don't listen to me at all because in XXXX 's letter she said I was to send the pictures of the front and back of the checks that were refused and sent back because they didn't have any record of them. I did send pictures of the checks along with the first complaint in XXXX. She didn't even bother to look at the proof I sent. 


You don't care, you don't listen. You would rather see me in trouble then try to remedy anything. 

You have blamed me for everything and I truly believe this is revenge for complaining so much. 

If you would have just helped me back in XXXX and solved this then, we would both be happy. 

I had told her I wanted the debt cleared and off my credit report because of the letter I got from XXXX XXXX XXXX. She didn't acknowledge anything and just said " all the info is correct ''. Not what I asked, and she knew it. 
No one listens. 

Don't acknowledge=does n't exist. That is how Capital One works. Also, blame the customer NO MATTER WHAT. 

I always wanted a settlement but since I hadn't heard from you at all I was attempting to negotiate ANYTHING so it would be on the books. Not fair that you are turning it around to blame me. 

This is all revenge because I complained too much. 
You've drug this on for nearly a year. It's enough. Fix this. 

You've kept me in the dark on purpose. All of this was unnecessary. 
I have already sent a note to the FIRM and a note to your address in XXXX XXXX XXXX. 

Do not contact me by phone.

Company response to consumer: Closed with explanation