Consumer complaint received 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been attempting to get Capital One to work with me, help me, or even listen to or acknowledge my complaints for nearly a year ( one year in XXXX ). 
I got a response from " XXXX '' about my complaints. She said they were unable to find any info on their end to prove what I am saying. They have sunk to the lowest common denominator, calling a customer a liar. Since they are unable to find any info I will assume I will be called a liar again, saying I have attempted to fix this for nearly a year. 
They have sent my account to the 2nd attorney firm. 
The first one, XXXX XXXX XXXX, sent me a note back saying this issue was CLOSED. 
I did and still do believe them. Then I got this letter from these 2nd people ( all enclosed ). 
This 2nd people threatened and pushed and bullied and terrified me into making a payment plan on their website that I knew I could not live up to. I was not in my right mind because of these people and their tactics. I wanted to dispute the entire amount because of the letter from XXXX XXXX XXXX saying it was closed. Still I felt threatened to do that. Like I said I was not in my right mind. 
They have stretched this out for nearly a year. I have been deathly ill from stress ( sick in bed unable to do any responsibilities -- had to hire someone else to help me with everything, even my interactions with Capital One -- see other complaints for more info ) all XXXX because of Capital One. Come to find out this could have been remedied back in XXXX but I never received a note from XXXX saying that she was offering help. 
If I could have received this letter from XXXX on time, I could have remedied this in XXXX and never had the charge off they slapped on my credit, and the months and months of credit damage they have inflicted. All of this was for no reason, and they will not acknowledge anything. They are damaging my credit for no reason, this could have been remedied if they would have just communicated with me and not kept everything so secretive. This is all revenge. 
That is minor compared to the letter from XXXX XXXX XXXX and the " response '' from XXXX. She never acknowledged, answered, or even seemed to comprehend what I was trying to complain about. She never acknowledged the letter from XXXX XXXX XXXX -- that's the firm THEY hired! One example -- There were 2 checks I had sent in for payment and they were refused and returned to me. I sent in pictures front and back of the checks along with the first complaint on XX/XX/XXXX. She said, if you want us to investigate further, send us pictures of the front and back of the checks, because we have no evidence of any refused checks. Not listening, not even comprehending. I already sent the pictures. If you compare the complaints I have sent in with her response you will see the blatant non-acknowledgement of any of the problems I complained about. 
She also said that I didn't want a settlement on XX/XX/XXXX. That's not true. I talked to an " XXXX '' on the 360 side ( because they have taken away the chat on the credit card side ) on XX/XX/XXXX because I hadn't heard from Capital One at all about the complaints and I wanted absolutely anything on the books so they would leave me alone. Since they are all Capital One I figured they could get a request to anyone in the company. 
I told her I wished her to send a request to the Recoveries on the Credit Card side. It took a lot of coaxing, but she told me finally that she sent a request on and that they would most likely get a email response in 2-3 days. I brought up a payment plan because I wanted to show that I was willing to negotiate and I would do anything to get them to end this. I got a response from " XXXX '' on the XXXX email a couple days later saying that they couldn't do anything about the harassing phone calls I was getting and that was it. No word of any payment plan getting through to them or any acknowledgement of anything. Never heard anything back so I figured that the info was not sent through. Now, this XXXX decided to turn it around and use that to discredit me and make me out to be a liar. I was trying to get anything on the books so they would call all this off. 
I am still interested in a settlement, but I truly believe that I deserve to have the debt cleared because of the letter from XXXX XXXX XXXX. 
She admitted that the last collection call they called to me was in XXXX. They called 5-7 times daily from XXXX to XXXX and they never ceased until I got a complaint through to them telling them to stop. They never admitted to me before that was them calling, even though their numbers were attached to the calls. They now say I have a Cease and Desist, even though I didn't ask for it. XX/XX/XXXX is the day they say the Data Breach happened. That is the day I started receiving 5-7 calls daily again, some 8-15 minutes apart, some 30 min, some an hour apart. This went on until  about XX/XX/XXXX, the day they would have received the last complaint I made about it. I told them all about this, that it was their numbers attached to the calls and I knew it was either them or my info had been stolen in the breach and they and I were being Spoofed. No acknowledgement of my problem. I just got the regurgitated word-for-word in the response about the Data Breach from the letter they had already sent me about the Data Breach. No acknowledgement. It was completely word-for-word, even the completely fake " We want to make this right ''. All I got was ( a lie? ) that they hadn't called since XXXX and neither Firm had called me. No answers to my problems. Going against their Cease and Desist? 


I also said in a previous complaint I wanted the debt cleared and it taken off my credit report. She never acknowledged that and she just said All the info being reported is correct. I never asked that. That wasn't even what I was saying or asking. Turning it all around to defame and discredit me. 
I have always wanted to just negotiate with them to get this off my record, and they have just fought with me at every turn. Now they are saying that everything I am saying is false. 
They are damaging my credit on purpose by stretching this out and getting me deeper and deeper into trouble. I also think this is revenge by them for complaining so much. If they would have just had better customer service, we could have both been happy and gotten this solved. 
I am completely petrified of these people and I desperately want them out of my life. 
I am scared to death of what they will do to me next. " XXXX '' says they aren't going after me, but the letter from the 2nd people says " It is a attempt to collect ''. Then XXXX XXXX XXXX tells me it is " closed ''. What am I supposed to do to get this on the right track to end this? I am literally scared for my life. 
I have told Capital One over and over and over again that I have no job, am unable to get a job ( because of their credit damage and other factors ), and have no resources. I live 15 miles out of town and do n't drive. I have no internet or smartphone. I take care of 2 ill elderly family members so I am not out on the street starving. It costs me a lot of money to get someone to help me so I can come in here to the library to attempt to talk for hours to Capital One ( to attempt to get someone to help me ). I am unable to talk ( argue ) on the phone with them for hours either, and I truly believe they think I am making all of that up. They obviously think I am a liar at every turn. 

I want this over. I am so tired of this and their tactics to keep on stretching this out. I believe they are damaging my credit on purpose and I deserve a future without them in it. They aren't acknowledging that a letter from THEIR attorney is telling me this issue is CLOSED. This should be over with and off my credit. Please, any help at all would be greatly appreciated. They are completely ruining every facet of my life. I have no idea what to do and I am completely petrified of them and what they'll do next to me. I just want this over and to end. I am willing to negotiate to get them out of my life. 

Please reference my other complaints that I have made for more info. Thanks. If the CFPB needs more info, please email me.

Company response to consumer: Closed with explanation