Date Received: 2017-05-03T00:00:00
Product: I do not know
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: XXXX XXXX XXXX XXXX is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several hundred e-mails and letters to the company including the company CEO explaining the debts are not owed. Capital One refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on. XXXX XXXX has issued trades lines on my credit bureau listing. Additionally, complaint XXXX was filed on XXXX XXXX , 2017 against XXXX XXXX . The companies response was they would validate the account. XXXX has failed to provide any type of validation, nor has sent any notice that a debt is owed to XXXX . XXXX responded to the complaint on XXXX XXXX , 2017 , and 60 days have now passed without any type of debt validation.
Company: CAPITAL ONE FINANCIAL CORPORATION
State/Zip: OK 740XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2473824
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.