Consumer complaint received 2015-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I hired an attorney to help me validate an allegedly unpaid debt with Capital One. My attorney has sent numerous requests in writing ; as well as confirming receipt of those requests via phone notifying Capital One that I have hired them, and Capital One refuses to release the validation of debt to my attorney. They state that the requests are not valid ; however, I have signed the requests to allow my attorney to speak with them. Please find a chronology attached:XX/XX/XXXX/15 My attorney sent original written authorization and request for validation documentsXX/XX/XXXX15 My attorney spoke to a XXXX who stated that they had n't received the request. My attorney then resent the requestXX/XX/XXXX/15 My attorney spoke to a XXXX who stated that it takes 14 days to process an authorization documents and to allow for them to send docs out. 
XXXX/XXXX/15 My attorney spoke to a XXXX who stated they had n't received the request again and who gave my attorney the last four digits of my account because the authorization would n't get put with the account unless the full account number was on the authorization and to fax the authorization to XXXX and there is a 14 days to process time. 
XXXX/XXXX/15 My attorney spoke to a XXXX who stated she could not send the info to us because they had stated it was n't a request for validation it was a notice for negotiation/settlement, my attorney was then transferred to XXXX 's supervisor XXXX XXXX XXXX XXXX. My attorney explained they had been notified numerous times and XXXX refused still to provide information. 
XXXX/XXXX/15 My attorney faxed another request and signed authorization by me. 
XXXX/XXXX/15 My attorney spoke to XXXX XXXX XXXX XXXX the call was then transferred to XXXX XXXX XXXX ; XXXX ). After speaking with XXXX she was able to let my attorney know that she put a direct request into their correspondence dept and will have a response to the request no later than Monday. My attorney was told that if she did n't hear back by Monday she could call back to the Capital One XXXX Escalation Department at XXXX. 
XXXX/XXXX/15 My attorney received a call from XXXX XXXX XXXX XXXX that she was still waiting to hear back from the department that releases documentation from her manager ; and would follow-up with my attorney again on XXXX/XXXX/15. 
XXXX/XXXX/15 My attorney received a call from XXXX XXXX XXXX XXXX that she was still waiting for a response and review from her manager would call back on XXXX/XXXX/15. 
XXXX/XXXX/15 My attorney received a call from XXXX XXXX XXXX XXXX that they will not release the validation of debt unless they receive a valid signed release. My attorney explained that they had received both the letter of attorney representation and a signed authorization from me. My attorney asked for re-evaluation and XXXX to call back on XXXX/XXXX/15. 
XXXX/XXXX/15 My attorney did not receive a call from XXXXXX/XX/XXXX/15 My attorney did not receive a call from XXXX. My attorney called and left message on XXXX 's voicemailXX/XX/XXXX15 My attorney did not receive a call back from XXXX, called again. My attorney spoke to XXXX XXXX XXXX XXXX who reiterated that they will not release the documents. My attorney asked to speak with manager for the department. My attorney was transferred to XXXX XXXX Executive Resolution Department XXXX. My attorney spoke with XXXX and she reviewed the information and was going to put in a request that the documentation be sent in the next two weeks. My attorney asked why it would take two weeks to receive the documents was told that XXXX could not guarantee expeditious receipt of documents but would put it in the notes in the request for documents. My attorney requested a call back from the Manager for XXXX, my attorney should receive a call back in XXXX hours.

Company response to consumer: Closed with explanation