Consumer complaint received 2017-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I lost my job due to no fault of my own and my unemployment ended a month before I was able to find even a part time job, so of course my credit cards fell behind by a couple of payments. Because I am twice widowed, have no financial help savings and investments and have  XXXX  a month in bills, only bringing home  XXXX  a week or less in income and my employer will not allow me to work overtime or a second job, can not pay anything until I have it to pay.  Capital One  is now adding extra fees and breaking the FDCPA laws by harassing me by phone and email numerous times a day when I have told them 3 times to " cease and desist '' all phone and email communications and only contact me by mail and have also filed a complaint with the FTC in writing which they ignored and then sent  XXXX  emails and called me today again!!! Their kind think they are above the laws!!! Please enforce the laws on them!!! Complaint I filed with FTC and emails Cap one sent after phone number and time of most recent call below ; Complaint to FTC Do Not Call about Cap  1  c/c calls.   XXXX   XXXX / XXXX /  XXXX   This number  XXXX  is continuing to call and harass me after I lost my job and so fell behind on a couple of payments. I contacted the company and told them I would make a payment as soon as I am able to and to not call me by phone, only mail, as I only have a prepaid phone which only has  XXXX  minutes left on it and I need them for emergency, son and  XXXX   XXXX  and old parents in their  XXXX  's!! They are using my minutes with their calls. So please pass this "  XXXX  and  XXXX  '' on to them for me, can only contact me by mail and I will pay as I can. If I receive any more calls or emails will also file complaints with IL Attorney General and CFPB!!  <P/> Call today  XXXX / XXXX /  XXXX   from  XXXX  with message at  XXXX .  <P/>  XXXX  emails received  XXXX / XXXX /  XXXX   within minutes of each other, have saved if you need copies ;  XXXX / XXXX /  XXXX    XXXX   (   XXXX  email ) Unfortunately, we are unable to provide you access to our online banking system.   XXXX  This is normally caused by  XXXX  of the following : Multiple failed login attempts Inaccurate account information Unusual account activity Login from an unrecognised device Please login to your account by clicking the link below which will allow you to restore full access. Untill you do so you will not be able to access any of our online banking features.   Login to get Started We apologise for the inconvenience this may have caused however this is a security feature designed to protect your details and should only take a few minutes to complete.   XXXX  Your  Capital One Team   XXXX / XXXX /  XXXX    XXXX  am  (   XXXX  email ) You have payment options to bring your account up to date.   XXXX  Re : Your account ending in  XXXX   XXXX   XXXX , We understand things happen, and its easy to fall behind on payments. Were here to help. Take a look at some of your options : To bring your account up to date, make your minimum payment of {$190.00} by  XXXX   XXXX ,   XXXX  .   If you cant quite make that payment, you can make a lower payment amount of {$63.00} by  XXXX   XXXX ,   XXXX  . This amount wont bring your account up to date at this time, but it will prevent your account from becoming more past due.   We also have flexible payment options that let you split payments up over a few months. To find out more, please give us a call at  XXXX  and have  XXXX  ID  XXXX  ready so an agent can serve you more quickly.   XXXX   XXXX   Free Ways  to Pay : PAY  ONLINE Sign  in to your account.   XXXX  CALL  XXXX   XXXX  :  XXXX   XXXX  p.m.  XXXX   XXXX  :  XXXX   XXXX  p.m. ET SEND A CHECK Capital One Services,  XXXX   XXXX .  XXXX   XXXX   XXXX , NC  XXXX   XXXX / XXXX /  XXXX    XXXX  am (  XXXX  email ) Make a Payment Re : Your account ending in  XXXX   XXXX   XXXX , We wanted to let you know your account is currently past due. We also want you to know were here for you.   XXXX  If you make your minimum payment of {$170.00} by  XXXX   XXXX ,   XXXX  , your account will be up to date.   XXXX  If youre unable to make this payment, please give us a call at  XXXX  and have  XXXX  ID  XXXX  ready so an agent can serve you more quickly. We can explore other solutions, such as our flexible payment options that let you split payments up over a few months.   XXXX   XXXX   Free Ways to Pay : PAY ONLINE Sign  in to your account.  <P/> CALL  XXXX   XXXX  :  XXXX   XXXX  p.m.  XXXX   XXXX  :  XXXX   XXXX  p.m. ET SEND A CHECK Capital One Services,  XXXX   XXXX .  XXXX   XXXX   XXXX , NC  XXXX   XXXX  a Payment

Company response to consumer: Closed with explanation