Consumer complaint received 2018-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 at approximately XXXX XXXX I got a call on my phone from " No Caller ID ''. XXXX XXXX left a voice message and told me to call ( XXXX ) XXXX. At approximately the same time, my son got the same voice message telling him to call XXXX XXXX at ( XXXX ) XXXX. She said : " This call is intended for XXXX. My name is XXXX XXXX. I'm calling with the XXXX  XXXX XXXX XXXX XXXX are scheduled to be dispatched out to the verified property address and due to a failed attempt at this point we do need to ensure that you will be on premises in order to accept and sign for this. If any changes need to be made or if further details needed regarding your involvement in this case contact the legal department immediately at ( XXXX ) XXXX. When calling you will need to reference case number XXXX. Failure to contact today will result in adverse decisions being made you. You have been notified. 

I went to the bathroom and called XXXX XXXX back. I was told there was no one there named XXXX XXXX but I could talk to XXXX. XXXX immediately started threatening me with I owe XXXX {$2300.00} and they have traced my phone and are sending a process server to my office to serve me. She said if I want to " willingly '' work this out, she could call and stop them. Otherwise they were on their way. 

I told her if I did in fact owe this credit card bill from over 7 years ago, that I would be happy to set up a payment plan, but first she needed to send me a copy of the bill. She said she would send me the papers to sign and a copy of the bill. The entire time she is telling me that people like me who use credit cards and don't pay don't get special privileges. It is now in collection and when it is in collection you pay everything at once. No payment plans. I lost that opportunity. I received the papers to sign around XXXX XXXX as I was getting ready to leave work. I tried reading them on my phone but couldn't. The email came from XXXX XXXX. His email address is XXXX. 

When I got in my car I called XXXX back and she transferred me to a gentleman whose name I could not understand. He wanted me to read the documents while I was driving. I told him I would be home by 7 and I would call him them. I ran late. At XXXX this gentleman called SCREAMING at me. He has been waiting for me to call. He is in California so it was only XXXX there. I told him that he still had not attached a bill from XXXX showing me that this was truly my bill and that I owed these monies. He said this was all I was going to get. Once something went into collection, you were no longer allowed to see an itemized bill. The two documents he sent me are in fact the same -- a letter signed by XXXX XXXX, Legal Administrator, which showed how much was owed and told me when the funds had to be paid by. The other document was the identical letter but had the Docusign boxes on the bottom asking me for my credit card information. I have attached the letter. When I tried to print the letter with the Docusign information, it would not print. 

When I told the gentleman I was talking to that ( 1 ) if I owed this money and it was confirmed I would set up a payment plan but ( 2 ) until I received documentation showing that I owed this money I was not paying anything. He started screaming and yelling and saying he was sending the process server to Schwartz in the morning to serve garnishment papers. That is the place I used to work 9 years ago. I have contacted Schwartz and told them what was going on in  case someone showed up. 

Today I have gotten two " No Caller ID '' calls but no voice messages left. I looked up XXXX XXXX XXXX debt collection on line and every other word was " SCAM ''. I read everything that was written and it is my story all over again.

Company response to consumer: Closed with explanation