Consumer complaint received 2016-01-29
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX I went through a divorce therefore substantially lowering my income and was unable to pay on a credit card with Capital One. In XXXX XXXX, I established a settlement with XXXX XXXX XXXX in which payments were automatically deducted from my checking account. In XXXX XXXX I received a letter from Capital One that XXXX was no longer servicing my collection account and all future payments were to be made to Capital One sent an account statement much higher than the settlement amount agreed upon and only reflected XXXX payments having been made. During this time XXXX XXXX began making additional withdraws from my account that was not authorized and the phone number listed for the company was then disconnected and after speaking with my bank they suggested that I close the account. I then requested in writing from Capital One an accurate statement including the agreed upon settlement amount and all payments received on the account. Capital One responded that they did not have record of an account with them. I resent my original request along with their original account statement and letter referencing no account on file. No further response from Capital One regarding my request. In XXXX of XXXX I received a threatening phone call from a man named XXXX XXXX who continue to cuss and threaten legal proceedings if I did not pay the Capital One debt. I advised XXXX XXXX to send everything in writing and hung up. In XXXX of XXXX I received a call from Capital One employee demanding payment. I explained in detail the situation that had occurred. She stated we no longer honor that settlement because we received a return payment. I explained to them the account was closed due to unauthorized charges from XXXX XXXX. In XXXX of XXXX I received a letter from a law firm on behalf of Capital One in which I requested validation and documentation to support their suit and I received no response. In XXXX XXXX I received a letter from another law firm on behalf of Capital One requesting the same information, the attorney responded advising he did not have to provide me with any further information. I sent in writing again request for validation and received no response. In XXXX XXXX I received notice of a lawsuit on behalf of Capital One. I responded to the court and also requested that the XXXX, Capital One provide documentation. In XXXX XXXX, Capital One requested a continuance and still unable to provide any documentation. On XXXX XXXX, XXXX both parties appeared in court and at the request of the XXXX, Capital One they requested that the case be dismissed. On XXXX XXXX, XXXX, I received a XXXX in the mail from Capital One and the amount listed is still not accurate and does n't even match the amount they attempted to collect previously. I contacted Capital One via the phone number listed on the XXXX which sent me to their recovery department. I spoke with them in detail and advised the case was dismissed and that there is still a dispute of the amount in question and if they are going to send a XXXX it needs to reflect the proper amount. I also explained that the name and address on the XXXX is also incorrect. The representative informed me that they will NOT correct it and according to their records it is accurate. I requested to be talk to someone above them or in their legal department to get it corrected and they advised they did not have any contact information. I was then referred back to the attorney that dismissed the case in XXXX. Since XXXX XXXX until XXXX XXXX I have no contact with Capital One. There has been no attempts to collect on the previous debt or new suit filed. The XXXX is not accurate and I have no recourse to correct the issue.