Consumer complaint received 2015-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
My husband passed in XXXX. We had some credit cards together XXXX of which, would either come in XXXX our names or just my husbands, as primary ) and he had cards in just his name with me as an authorized user ( of which, would either come in just his name or in both ). With this particular card, I truly believe that I was merely an authorized user and thus, not liable on the debt. Despite repeated phone calls disputing this debt ( going back to XXXX though they first have it documented in XXXX XXXX, I am not only continually harassed by their collection team but they kick me around to different units every time I call to resolve this issue ( from collections to the decedent group to customer service ) every time I call requiring up to 3 hours of my time. I have requested evidence that I am on the contract as a joint party XXXX given situation described above of other cards and the fact that it is easy for their system - due to human error/changing or migrating systems - to incorrectly categorize me, as this has happened with other cards XXXX. I was told they could not find the application and that I needed to write a letter to a unit Utah requesting the contract and I would receive the contract, evidence of, or a letter stating what happens if they do not have it. I was to receive this within 7 - 10 days or my written request. I tracked the letter I sent and it was delivered on XXXX XXXX, 2015. I still have not heard back. I still can not get any answers. I am still receiving harassing calls despite numerous requests to stop and my ongoing dispute of the the veracity of the debt, requiring me to stop answering my home phone - especially when company is over. They are still reporting delinquencies to credit bureaus even though I asked if they could stop or notate a dispute until resolved, which has caused me great humiliation as I could n't even qualify for a {$1000.00} limit at a furniture store to replace the couch my husband died on let alone refinance my mortgage to take advantage of lower rates ( causing me long term financial harm ). I do not mind paying if I am on the debt - as I have done so with other cards. However, I believe that this was only in my husband 's name. Instead, I consistently get treated poorly, get harassed by collectors - despite disputing the debt and asking them to stop calling - and get punted around seemingly eternally. Making all of this worse, is the extremely inconsistent information and " answers '' I get every time. I am asking for simple proof - my personal experience and the events in mortgage servicing, for example, are demonstrative that I should not need to rely on their word or their system for proof as if it is infallible. Simply provide me with evidence and let us move onward. Simple request. Instead, the company continues to cause me emotional pain, stress, embarrassment, and direct financial harm. I am exhausted and drained. I need closure not more runarounds and false hope. I was supposed to have " the answer '' within 7-10 days of XXXX XXXX, 2015. This has been going on now almost 6 months and has cost me emotionally and an undeterminable amount of money on my ability to refinance my mortgage. I understand economics and promises to pay and will honor it if I am, in fact, liable. However, I truly and reasonably believe this was XXXX of my late husband 's personal cards. By far, the worst company I have had to deal with during these trying times.

Company response to consumer: Closed with explanation