Consumer complaint received 2026-03-31 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: NJ

Complaint narrative:
TIMELINE OF EVENTS - PROOF OF IMPROPER SERVICE : XX/XX/XXXX : According to XXXXXXXX XXXX XXXXXX/XX/XXXX filing, a judgment was entered against me on this date. I have NO recollection of receiving any notice of court proceedings in XX/XX/XXXX. I never appeared in court, was never properly served, and had no knowledge this judgment existed until I received XXXXXXXX XXXX XXXXXX/XX/XXXX letter. XX/XX/XXXX was the first I wrote back to XXXX XXXX XXXX XXXX requesting all documents with my name and signatures on it. On XX/XX/XXXX I received the same 17 questionnaire from XXXX again but they never sent me the requested forms Ive asked for, that including me opening the account, and everything else I asked for proving me. XX/XX/XXXX : Court notice mailed regarding wage garnishment hearing scheduled for XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX : Wage garnishment hearing held remotely before XXXX XXXX XXXX XXXX. I did NOT attend because I had not yet received notice of this hearing. XX/XX/XXXX, XXXX XXXX : I spoke by telephone with XXXX XXXX from XXXX, XXXX XXXX XXXX. During this conversation : - I requested documentation I had been asking for in previous written correspondence sent months ago - XXXX claimed this was the FIRST TIME they received a request for documents ( a demonstrable falsehood ) - asked if he received hand written letter of me asking for documents and he said yes, which means they never read the letter - He provided his direct callback number and extension - CRITICALLY : He never mentioned that a court hearing had occurred two days earlier on XX/XX/XXXX- This appears to be deliberate concealment of the hearing outcome XX/XX/XXXX I RECEIVED the court notice dated XX/XX/XXXX and XXXXXXXX XXXX opposition dated XX/XX/XXXX - THREE DAYS AFTER THE HEARING HAD ALREADY OCCURRED. XX/XX/XXXX : I attempted to call XXXX XXXX multiple times at the direct number and extension he provided : - Each call was routed to a call center in XXXX - Representatives admitted they were calling from XXXX- They refused to transfer me to XXXX without my file number- They claimed he was on another call and would not let me wait- I could not reach anyone at the actual XXXX XXXX XXXXXXXX despite multiple attempts- This raises serious concerns about attorney-client communications and proper legal representation XX/XX/XXXX, motion and answer filed DUE PROCESS VIOLATIONS : 1. IMPROPER SERVICE - XX/XX/XXXX JUDGMENT I never received notice of court proceedings in XX/XX/XXXX and therefore could not defend myself. A judgment obtained without proper service violates my constitutional right to due process. XXXX. IMPROPER SERVICE - XX/XX/XXXX HEARING The court notice was dated XX/XX/XXXX for a hearing on XX/XX/XXXX - only 3 days later. I received this notice on XX/XX/XXXX - AFTER the hearing had concluded. This inadequate notice prevented me from attending and presenting my defenses. XXXX. BAD FAITH CONDUCT BY XXXX On XX/XX/XXXX, XXXX days after the hearing, XXXX XXXX spoke with me and deliberately failed to mention the hearing had occurred. I told him I would need documents within take 30 days from the call, creating the false impression that I had time to respond, when in fact the hearing had already happened. This appears to be intentional deception. XXXX. SUSPICIOUS FOREIGN CALL CENTER OPERATIONS XXXX routes calls to XXXX, making it impossible to reach the actual attorneys. This raises questions about : - Proper supervision of legal matters - Protection of confidential client information - Compliance with New Jersey attorney regulations - Whether I am receiving proper legal notice and communication

Company response to consumer: Closed with explanation