Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
As already informed to Capital One, because I already answered phone calls, and sent the detailed description of the problem with evidence through here the CFPB, but, they do not know the latest news, and that is the reason for using the CFPB again. I understand they want to collect the accumulated debt and late payments, which I appreciate are part of their Hardship Payment Program, I am thankful they at Capital One read and received the information sent through here, but I know the person calling frequently, is not sent to take notice of all this, and if I do not send it there will be no record probably, but Capital One must know, as well as every other bank, including those with nearly no Customer Service under these situations, which unfortunately do exist. I had to switch my job to XXXX, the alternative and competitor of XXXX, because as easily predictable> if XXXX XXXX XXXX, United States and XXXX XXXX, decided to do nothing, about XXXX XXXX  Massive Tip Stealing, even with a Client certifying the problem in writing, with his phone number available, nothing about their Harassment and Intimidation Practices, and, nothing about the Unfair dismissal, then any company with nearly Worldwide presence like XXXX, and even XXXX, will be free to fire us at any time, and that was exactly what XXXX XXXX  did, last XX/XX/year>, no matter this was filed at the Supreme Court XXXX XXXX XXXX, they decided to do nothing. They are not defending XXXX at all. But as expected, once a company like XXXX is not stopped no matter of her multiple against the Law Violations, is just a matter of time that the other competitors, like XXXX continue or start to do exactly the same, and I gathering of the same problems that provoked my Lawsuit against XXXX XXXX XXXX XXXX, at XXXX. XXXX is also trying to fabricate a false XXXX just to fire me, trying to force me to accept deliveries with less pay than distance, or only cents above, which result in exccesive car mileage, fuel expense, depreciation, for just cent or even less, negative pay, which is impossible for any delivery driver. So they already are showing the same problem I filed at XXXX Courts, XXXX XXXX, against XXXX XXXX. My salary at XXXX is fully controlled by their XXXX XXXX XXXX, and the tips? There is already evidence indicating Massive Tip Steal too. My best weekly salary at XXXX is far away to what it was until the XXXX delivery at XXXX Eats, which was around {$320.00} a week. Less than {$200.00}, {$220.00}, are common, while the company tries to force us to work very late at night, even after XXXX am, which in XXXX XXXX, as well as anywhere, is dangerous, and both companies have the tendency of trying to force this too late at night work hours through their XXXX XXXX XXXX when you are new with any of them. I can not explain or show evidence of all this to someone sent just to attempt to collect the debt with a payment at the moment of the phone call. The payment arrangement you offered no matter how good, is not enough to face a problem XXXX Courts, XXXX XXXX decided to ignore, no matter those Judges were appointed by the People who were elected with our vote, here in XXXX XXXX and the XXXX A new payment agreement is needed, but sincerely I don't know if you have it, much less after the unfair treatment of XXXX Federal XXXX XXXX including XXXX XXXX XXXX XXXX they simply didn't care. Is not that I do not want to answer your additional phone calls. Is that not only the person calling is not calling for learning about this, is that I am facing the same problem at XXXX, that no matter how well documented is presented at the Court, they are not going to do anything, like it happened during the illegal Operation, which involved the Courts in XXXX XXXX, called Operation Condor : the problem, of imposing opinions against all verifiable evidence, has to be something else. There was a Judge writing " The Court does not weigh the evidence '', in another case I took to XXXX against XXXX XXXX, when they were operating here in XXXX XXXX. Is not that I do not want to answer your phone calls, is that the person calling has no authority to do anything about this, much less to authorize or offer a lower monthly payment. XXXX started with all this problem after XXXX deliveries, but XXXX started with just around XXXX, proving the lack of action of XXXX XXXX XXXX sets a bad precedent, that opens the door for illegal actions with no way to stop them. If XXXX was not stopped, how are they going to stop any other company?

Company response to consumer: Closed with non-monetary relief