Consumer complaint received 2016-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In the XX/XX/XXXX I was contacted by mail from XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX telephone number : ( XXXX ) XXXX stating that I had a credit card from CapitalOne that was in default and they were the collection agency assigned by CapitalOne to collect {$2500.00} that had been charged between XXXX XXXX, XXXX and XXXX XXXX, XXXX. First of all I never opened up a credit card account with CapitalOne and never received a bill from CapitalOne at my home address that I and my wife have lived in for more than twenty years. This was explained to the collection agent but off and on over the past year they have insisted that I created this bill. In the past the thirty days they have mailed me notice that they will take me to court and in addition they have called my job three times saying that : I am going to be subpoenaed and if I do not show a warrant will be issued, and twice they spoke to a supervisor saying that I am due in court and if I do not show up a warrant will be issued. As a responsible citizen I called the XXXX XXXX XXXX XXXX XXXX and was told not only was no pending case against me but they do not call anyone to tell them to come to court, and that I had received a bogus phone call. I have asked the XXXX XXXX to give me proof that my signature was on this group of charges or what address the bills had been sent to but to no avail. Please help me get to the bottom of this morass and find out who stole my identity and have that person pay the price for this crime. 

XXXX XXXX XXXX In the spring of XXXX I was contacted by mail from XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX telephone number : ( XXXX ) XXXX stating that I had a credit card from CapitalOne that was in default and they were the collection agency assigned by CapitalOne to collect {$2500.00} that had been charged between XXXX XXXX, XXXX and XXXX XXXX, XXXX. First of all I never opened up a credit card account with CapitalOne and never received a bill from CapitalOne at my home address. This was explained to the collection agent but off and on over the past year they have insisted that I created this bill. In the past the thirty days they have mailed me notice that they will take me to court and in addition they have called my job three times saying that : I am going to be subpoenaed and if I do not show a warrant will be issued, and twice they spoke to a supervisor saying that I am due in court and if I do not show up a warrant will be issued. As a responsible citizen I called the XXXX XXXX XXXX XXXX XXXX and was told not only was no pending case against me but they do not call anyone to tell them to come to court, and that I had received a bogus phone call. I have asked the XXXX XXXX to give me proof that my signature was on this group of charges or what address the bills had been sent to but to no avail. Please help me get to the bottom of this morass and find out who stole my identity and have that person pay the price for this crime. 

XXXX XXXX XXXX In the spring of XXXX I was contacted by mail from XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX telephone number : ( XXXX ) XXXX stating that I had a credit card from CapitalOne that was in default and they were the collection agency assigned by CapitalOne to collect {$2500.00} that had been charged between XXXX XXXX, XXXX and XXXX XXXX, XXXX. First of all I never opened up a credit card account with CapitalOne and never received a bill from CapitalOne at my home address that I and my wife have lived in for more than twenty years. This was explained to the collection agent but off and on over the past year they have insisted that I created this bill. In the past the thirty days they have mailed me notice that they will

Company response to consumer: Closed with explanation