Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ok I have a timeline of responsive and cooperative behavior. 
I began paying XXXX XXXX XXXX in XX/XX/XXXX I arranged to pay monthly {$250.00} until the balance of XXXX was paid in full. I paid this faithfully monthly. It was being deducted out of my account with no problems. 

Well according to the amortization report XXXX provided the account would be paid in full XX/XX/XXXX. Well when all payments stopped in XXXX we thought it was the end. I called requesting a letter of final payment or payment satisfied and they started with we can't speak with you because you are attorney repped. I said no I am not attorney repped who and what is the name of this attorney. They shared this information and I said I don't even know this person I am not attorney repped you have been speaking with me and my husband over almost three years now what are you talking about. So this went on for several weeks, well in the mean time I am served with this lawsuit stating we have this outstanding balance of {$950.00} I immediately began to call and again they would not speak to me. So, one of the customer service persons answering suggested I write a non-repped letter send via email and give them 2 days and see if that works. Well I did that but by the time that processed worked I was being served at my home with papers. 
I immediately called them again, was told the amount I owed and told them I was not aware of any amount being due, due to fact we paid until XXXX and all payments stopped being deducted and when we called we were told we were attorney repped so no one would speak with us for months this went on from XXXX to XXXX. 

So, they told me they could only accept a certain amount per day via credit card and my balance was XXXX so we had to split the payment. And I still had to employ an attorney to write an answer to the suit filed {$450.00}. I had that done and taken to the courts and filed my answer. So, I called XXXX XXXX XXXX to inquire about the suit being closed, canceled or whatever the next steps because I paid it in full in XXXX and filed my answer of proof in XXXX. The office has yet to answer me, they have yet to explain why according to online case information Case # XXXX status is still showing pending as of XXXX. Almost 5 months ago. This Capitol One card was charged off years ago but XXXX XXXX XXXX kept coming after me threatening to garnish my wages, file law suit so I paid what I could I was going through a nasty divorce and just could not afford but I did what I had to. 

I want this over and I have paid over 8k to these folks, they will not send written communication for payment in full they stated we needed 30 days to respond via written communication well in 30 days I still have not receive anything, they can't confirm any documentation has gone to the courts to close the suit and clearly they do not have anyone monitoring cases if they did send to confirm it was received and processed. My hands are tied and I want this over. This office does not communicate verbally well nor do they communicate in writing. They don't want resolution this allows for more money to be paid out for them.

Company response to consumer: Closed with explanation