Consumer complaint received 2025-07-21 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: OH

Complaint narrative:
I have attempted on several occasions to resolve this debt and I have been unable to do so. Capital One and the XXXX parties they use to collect debt keep telling me to call the other one. When I explained this to Capital One they just told me I had to call the 3rd party collector. The collector does the same thing telling me to call Capital One. 

XXXX  and XXXX  are of no help either when I try to explain this to them they refuse to remove these accounts from my credit files. Below is the latest letter I sent to dispute this issues/accounts to both XXXX  and XXXX. I have attempted to dispute these account via XXXX  and XXXX  no less than 4 times, each time denied and unresolved. Below is a verbatim copy of the most recent letter I am sending both of them again. 

I am reaching out in regards to XXXX Capital One Accounts. XXXX ending in XXXX in the amount of {$3600.00} and another account ending in XXXX in the amount of {$6500.00} that are negatively affecting my credit file as I am unable to make payments or settle the debt in any way after multiple attempts to do so. More on that below. 

On XX/XX/year> at XXXX EST I attempted to reach out to Capital One to attempt a payment on this account. I called XXXX and spoke with an account XXXX. They informed me they had the account held with XXXX XXXX or XXXX, XXXX XXXX XXXX, XXXX. and that I needed to contact them for payment. 

On XX/XX/year> I attempted to call XXXX XXXX or XXXX, XXXX XXXX XXXX, XXXX I called XXXX and spoke with a representative. They informed me they could not help me because the account was being transferred back to Capital One for the debt collection and that I needed to wait 10 days before calling Capital One to discuss payment. 

On XX/XX/year> at XXXX EST I again attempted to reach out to Capital One for settlement or payment at XXXX. They informed me I needed to reach out to XXXX XXXX XXXX, XXXX at XXXX to make any payments on the account. 

On XX/XX/year> at XXXX EST I attempted to call XXXX XXXX XXXX XXXX XXXX for settlement or payment and they informed me I needed to call Capital One at XXXX to make payments or settlement offers. 

On XX/XX/year> at XXXX EST I again attempted to call Capital One for settlement or payment at XXXX where I was transferred to an account specialist that informed me I needed to call XXXX XXXX XXXX XXXX XXXX to make a payment or to attempt to settle the accounts. I asked the XXXX what I was supposed to do for help on the account so I could get it paid and off of my credit and she stated the only thing she could do was to tell me to call XXXX XXXX XXXX, XXXX. 

As you can see it has become impossible for me to make a payment of any kind on these accounts but they are currently a detriment to my credit, my future and my life. I am making attempts to pay or settle these accounts and no one will help me from any of the referenced businesses above. 

I can not see in this case how they can continue to report negatively on my credit when I have no option to pay or settle these accounts even after multiple attempts to do so. I am asking for you to permanently remove these from my credit file now that I have done my due diligence but Capital One has not. 

I have made multiple attempts to dispute these debts for this reason and I am hopeful that this time someone will help me do something about this injustice. 


Thank you for your time and consideration.

Company response to consumer: Closed with explanation