Consumer complaint received 2016-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is hereby a legal notice. This is to inform you that my client, XXXX XXXX, has advised me of her best effort to notify you that this debt is invalid. Per her rights under the Fair Debt Collection Practices Act ( " FDCPA '' ) of 1978, she has sent you letters disputing both the debt and the validation of debt. 
Between the dates XXXX XXXX through XXXX XXXX communication was exchanged between my client and your company. In XXXX XXXX you informed my client of a purchase of debt from your client, CAPITAL ONE BANK ( USA ) N.A . Notifying my client on this communication the requirements of her 30- days for dispute. My Client filed a dispute well within this time frame. 
Your company response in XXXX XXXX specifically reflects her request of a dispute received. My client sent you another letter informing you that she could n't locate any information supporting this debt with any documentation she had around the same time. 
30-days passed with no response from your company. My client sent a letter in XXXX XXXX notifying you of such absence. My client sent a copy of that letter to the Consumer Financial Protection Bureau ( " CFPB '' ). 
Your company 's response to the CFPB has questionable information. My client received a letter from your company on XXXX XXXX, XXXX that contradicts your company 's CFPB response. Both statements : " XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. In response to your dispute, XXXX has sent you the attached letter on or about XXXX XXXX, XXXX, containing validation. '' " In response to your complaint, XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. '' show to be inaccurate per your letter received. I hereby considered both above statements to be a fabrication. Per the Fair Debt Collection Practices Act ( " FDCPA '' ) of 1978 states that it 's ILLEGAL to deceive the consumer in order to collect on a debt. 
Second example of misleading the consumer is the support documentation attached to the CFPB case was totally different than the letter received. This type of behavior puts consumers into a position in which attempts to portray them into paying debt. However in reality they have a valid dispute. 
Third example of misleading the consumer is the validation of debt in which is being used. Your company states that my client owes you {$110.00}, however your own client, sent you an invoice with different balance due. You even state in the letter received on XXXX XXXX, XXXX, that " no known un-credit payments, counterclaims or offsets against this account at the date of its sale. '' Which means that your client never received payment, however in the documentation ( " Validation of Debt '' ) received shows just the opposite. My client even sent you a copy of a wire transfer that took place on XXXX of XXXX. 
My client also sent a letter to your client and sent copy to the CFPB. Your clients respond with " The debt was sold to XXXX XXXX XXXX on XXXX XXXX, XXXX. We have confirmed we are no longer reporting this account to the Consumer Reporting Agencies ( CRAs ) and you do not owe us a balance anymore. You may still owe something to XXXX XXXX XXXX and they may be reporting the account to the CRAs. If you have any questions about this, you can call XXXX XXXX XXXX at XXXX. '' Therefore making the documentation ( " Validation of Debt '' ) unverifiable.

Company response to consumer: Closed with explanation