Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXXI am writing to address a discrepancy regarding account number XXXX which I believe has been paid in full with three different debt collectorsXXXX XXXXThe first two payments were to XXXX XXXX XXXX with two payments in XXXX, dates of XXXX payment confirmation number XXXX and XXXX, which was an automatic payment from my bank account, and again on XXXX  with a credit card. XXXXDespite providing proof of payment on both occasions, I am still receiving notices stating that I owe a balance on this account. The third collection agency is XXXX XXXX XXXX XXXX, which reached out to me in XXXX of XXXX. I first questioned this debit and was told that it was never reported as paid to Capital One and therefore was a legitimate debt, and if I did not pay it there would be a civil lawsuit brought against me in Henry County, which is where I reside. The person I spoke with was nice, and answered questions that I had. However, they were unable to help with the previous debt collection for this account. \n\nI am not disputing that I opened an account with XXXX nor that I owed a balance on the account. I am filing a fraud report because three different collection agencies have contacted me and have paid for the balance owed all three times. All three collection agencies told me the debt was paid and I would not be contacted anymore. However, if I did receive a call to direct the agency that calls me to them, and they would handle the issue.XXXXThe collection agencies of XXXX  and XXXX  XXXX XXXX both have nonworking numbers at this time, and I emailed XXXX XXXX XXXX and they never responded to my email. \n\nI would like a resolution of the following: reporting this matter to every agency that it needs to be, and two, getting my money back from two of the agencies, as I only owed the balance one time.\n\nI can provide proof of payments for each of the payments I made. Please let me know what needs to be done nextXXXX XXXX XXXX XXXX XXXX XXXX per automatic payment from bank accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcontact person is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcontact person: XXXX XXXX XXXXTo put a hold on legal action, I agreed to pay XXXX  with my XXXX XXXX on XXXX  and received payment documents and a receipt for today's payment. The remainder of XXXX was paid XXXX with a Mastercard, and I received payment documents and a receipt for the payment, as well as a zero balance owed letter. XXXX have filed numerous complaints CFPB about this issue and so far I continue to get the runaround about it. The most recent correspondence is dated XXXX, which states that Capital One is not responsible for the account because it was bought by them from XXXX. I was under the assumption that once an account is purchased by another company it belongs to the new company. On top of telling me this information they also provided the incorrect ending of the account number that I am disputing. The letter from Capital One states account ending 0879 but that is incorrect the account ends with number XXXX XXXXI need someone to seriously look into this problem and help me fix it. I cannot do this on my own."

Company response to consumer: Closed with explanation