Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX i received a letter via mail saying I am being sued by XXXX XXXX I, XXXX assignee of Capital One N.A. with lawyer XXXX XXXX XXXX. I promptly responded to the notice and requested they validate the debt. Then on XX/XX/XXXX I received documents from the lawyers office, the documents included an Affidavit of Sale of Account by Creditor, Certificare of Conformity and credit card statements from the credit card the debt is connected to. They did not provide me with the Purchase Agreement with my signature, securitization of the loan and a License verifying they can collect debt in my state because XXXX XXXX I, XXXX is based in XXXX, XXXX Then I received a court date for mediation and attended mediation on XX/XX/XXXX. During the conference I explained I do not recognize this debt, I never opened that account with Capital One and they did not provide me with the Purchase agreement with my signature to prove this is my debt. That same day on XX/XX/XXXX I received a package in the mail from the Lawyers office, at the time I was confused why I was receiving that paperwork because we had just finished with the zoom mediation and agreed to move forward to trial since an agreement was not reached. Turns out the paperwork I received was the Lawyers office requesting a Motion for Summary Judgment. Since I was confused and did not understand since I was under the impression we agreed to trial and was scheduled for trial on XX/XX/XXXX. I did not respond to that Summary Judgement notice. And on XX/XX/XXXX the judge XXXX XXXX XXXX granted the Motion for Summary Judgement. Once I received that notification I quickly called the court to ask what my options are because it is not fair that one, this isn't my debt and two, I didn't get a chance to trial or get any of the proof I requested. I was advised to file a Motion to Vacate Summary Judgement. I Filed the Motion to Vacate on XX/XX/XXXX and mailed out copies to the debt collector and their lawyers office. I then followed up with the courts on XX/XX/XXXX since I did not hear anything yet regarding my case. I never received an update after this until XX/XX/XXXX I received a yellow slip indicating a court date of XX/XX/XXXX. I promptly called the court to ask why I did not receive notice of this court date sooner, they confirmed they mailed out the slip but also send it via email. I asked the court to confirm my email address on file. They read my email back to me and noticed they had " .con '' instead of " XXXX  ''. That was not my mistake it was the courts which is why I didn't show up for the court date. And received a letter dated XX/XX/XXXX saying my Motion to Vacate was DENIED. The court told me I could refile. This has taken so much time and energy from me and my day. I suffer from XXXX XXXX and am struggling to keep up with my expenses. Since denying my motion I haven't had a chance to refile. They are sending me notifications of a summary of the amount I owe them of {$4400.00} " Statement for Docketing ''. I explained this is not my debt Ive also requested a Purchase Agreement which I was never given. Im not sure what else to do. On top of that I contacted Capital One personally and they checked their records based on my personal and accurate information, they DID NOT find any account that I opened for that amount.

Company response to consumer: Closed with explanation