Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello, I filed a complaint against capitol one XXXX XXXX card ( original complaint at bottom ) at the start of the new year. This was with you all, as well as the XXXX XXXX XXXX. They quickly responded with the XXXX that this issue would be communicated with the CFPB, and it would be resolved swiftly and with ease. 

However, my last update was from XX/XX/XXXX and since then I receive nearly - daily phone calls, texts of voicemails and voicemails from the company, debt collector XXXX. XXXX has grown so aggressive as to leave me profane, abusive and ugly voice mails which have sometimes been so nasty as to be illiterate. 

The company has sent me counselor extensions and resolution opportunities, but when I have called I have received dead links, wrong extensions or otherwise inappropriate methods of communications. Every conversation I have had trying to resolve the issue ends with threats, strong arm tactics, general co - ersion or just XXXX XXXX XXXX. 

I am quite frustrated and quite unsure of my rights and options. Any assistance in the matter is appreciated.

********** original complaint *********** Consumer Information Name : Mr. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Daytime Phone : ( XXXX ) XXXX Evening Phone : None Provided Fax : None Provided Email : XXXX XXXX XXXX XXXX Name : Capital One Financial Corporation Address : XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Complaint Details Capital One XXXX Rewards Card Paid bill XX/XX/XXXX. Scheduled payment three weeks ( approx ) ahead of time time via phone app AND phone call. payment processed by XXXX on phone app, phone call, and bank website thus credit was restored. Payment was processed for XXXX and XXXX. Used credit card during weekend for a holiday trip and twice or thrice during the week. Attempted to use credit card for XXXX XXXX holiday, declined. Payment was actually returned ( but no money credited to either debit or credit account, thus robbed ), with a higher debt rating than previously before the payment ( thus robbed again ). Payment also due again for XXXX and XXXX thus robbed a third time, feeling extremely swindled and cheated despite being a loyal customer with either a consistent track record or complying with creditors. 
My complaint concerns : a Credit Card Desired Outcome/Settlement Desired Settlement : Billing Adjustment Acceptance of previously posted ( 3x ) payment. 
Complaint Details Nature of Complaint : Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Purchase Date : XX/XX/XXXX XXXX XXXX  Salesperson : None Provided, XXXX Complaint Details ( cont. ) Product/Service : Credit Card Payment Scam Model # : XXXX Account # : XXXX Order # : None Provided Purchase Price : XXXX Payment : In Full Debit Card Disputed Amount : XXXX

Company response to consumer: Closed with explanation