Date Received: 2017-05-09T00:00:00
Product: Credit card debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: On XXXX XXXX , 2017 , I received a letter dated XXXX XXXX , 2017 , from XXXX XXXX XXXX XXXX XXXX XXXX attempting to collect an alleged debt which they claim I owed to Cap ital One Bank ( USA ), N.A. The letter claimed that failure to dispute the debt within 30 days would result in an assumption that ” the debt is valid ”. On XXXX XXXX , 207, I sent to XXXX XXXX XXXX XXXX , via Certified Mail Return Receipt Requested, a letter demanding strict proof in the form of my actual signature on an application for credit and/or an agreement for credit. The letter was delivered to XXXX XXXX XXXX , XXXX . on XXXX XXXX , 2017 . On XXXX XXXX , 2017 , XXXX XXXX XXXX , XXXX . sent me a letter stating that they had ” not had sufficient time to investigate this matter and were unable to verify the debt at this time. ” That letter arrived XXXX XXXX , 2017 . On XXXX XXXX , 2017 , I pulled each of my XXXX credit reports and noticed that the alleged debt had not been marked as ” disputed ” under the requirements of the Fair Debt Collection Practices Act and Fair Credit Reporting Act, as well as the laws of the State of Texas.
Company: CAPITAL ONE FINANCIAL CORPORATION
State/Zip: TX 773XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2480358
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