QUESTION
i need help fighting back at capital one bank
Asked on Apr 16th, 2021 on Civil Litigation - Florida
More details to this question:
i have settled all accounts with capital one ,but they say differently. i even tried to provide proof of payments ,but they still say i owe them money. now it has gone into collections, and my fiance has been harassed by the creditors trying to collect from her the money that has been settled with capital one. now they are falsely reporting this to the credit agency which has affected my credit rating . why can not this type of corparate bulling be stopped
1 ANSWER
Consumer Debt Collector Harassment & Abuse Attorney serving Tampa, FL
Partner at
Tischhauser Law Group
2 Awards
You used settled and paid off in the same reference and they are different concepts. If you settled by paying less than you owed as they claim, then you need to have written confirmation from them that you settled the account and paid it off. Otherwise, unless you have evidence that you paid in full and they are wrong calculating what you owe, then your documents for the payment history of the account will carry the day - but understand that if you lost this or that - the banks records showing NON-PAYMENT will carry the day if all you have is "I am pretty sure that was paid that month". If this is an Italked to the guy on the phone and made a deal case - those generally don't get far from the consumer side.
Answered on Apr 23rd, 2021 at 2:34 PM
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