Consumer complaint received 2019-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019 XXXX XXXX XXXX inaccurately and irresponsibly reported multiple debts in collections to my XXXX, XXXX, and XXXX credit reports. I learned that XXXX XXXX XXXX  has been furnishing debts bought from Capitol One Bank and attempting to collect these invalid debts from me. I responded to XXXX XXXX XXXX  & Capitol One on XX/XX/2019, XX/XX/2019, and XX/XX/2019 via certified online mail with a cease and desist letters and I also sent a certified letter asking them to furnish proof of standing. They both have failed to respond to either of my requests. Due to their negligence and inability to accurately respond to my requests, I will be pursuing legal action against Capitol One and XXXX XXXX XXXX.

My family and I are in the middle of purchasing a home. This behavior is unacceptable.

The failure on behalf of the creditor, Capitol One and collection company XXXX XXXX XXXX have cause great pain for my family and I.

Here 's a copy of my latest letter " XX/XX/2019 ( Removed for publishing purposes ) XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Acct # ( Removed for publishing purposes ) To Whom It May Concern : This letter is regarding account # ( Removed for Publishing purposes ), which you claim I opened XX/XX/2019. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My contact information is as follows : ( removed for publishing purposes ) P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX ''

Company response to consumer: Closed with non-monetary relief