Communication tactics

Posted on Posted in Complaints, Debt collection

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I lost my job due to no fault of my own and my unemployment ended a month before I was able to find even a part time job, so of course my credit cards fell behind by a couple of payments. Because I am twice widowed, have no financial help savings and investments and have XXXX a month in bills, only bringing home XXXX a week or less in income and my employer will not allow me to work overtime or a second job, can not pay anything until I have it to pay. Capital One is now adding extra fees and breaking the FDCPA laws by harassing me by phone and email numerous times a day when I have told them 3 times to ” cease and desist ” all phone and email communications and only contact me by mail and have also filed a complaint with the FTC in writing which they ignored and then sent XXXX emails and called me today again!!! Their kind think they are above the laws!!! Please enforce the laws on them!!! Complaint I filed with FTC and emails Cap one sent after phone number and time of most recent call below ; Complaint to FTC Do Not Call about Cap 1 c/c calls. XXXX XXXX / XXXX / XXXX This number XXXX is continuing to call and harass me after I lost my job and so fell behind on a couple of payments. I contacted the company and told them I would make a payment as soon as I am able to and to not call me by phone, only mail, as I only have a prepaid phone which only has XXXX minutes left on it and I need them for emergency, son and XXXX XXXX and old parents in their XXXX ‘s!! They are using my minutes with their calls. So please pass this ” XXXX and XXXX ” on to them for me, can only contact me by mail and I will pay as I can. If I receive any more calls or emails will also file complaints with IL Attorney General and CFPB!!

Call today XXXX / XXXX / XXXX from XXXX with message at XXXX .

XXXX emails received XXXX / XXXX / XXXX within minutes of each other, have saved if you need copies ; XXXX / XXXX / XXXX XXXX ( XXXX email ) Unfortunately, we are unable to provide you access to our online banking system. XXXX This is normally caused by XXXX of the following : Multiple failed login attempts Inaccurate account information Unusual account activity Login from an unrecognised device Please login to your account by clicking the link below which will allow you to restore full access. Untill you do so you will not be able to access any of our online banking features. Login to get Started We apologise for the inconvenience this may have caused however this is a security feature designed to protect your details and should only take a few minutes to complete. XXXX Your Capital One Team XXXX / XXXX / XXXX XXXX am ( XXXX email ) You have payment options to bring your account up to date. XXXX Re : Your account ending in XXXX XXXX XXXX , We understand things happen, and its easy to fall behind on payments. Were here to help. Take a look at some of your options : To bring your account up to date, make your minimum payment of {$190.00} by XXXX XXXX , XXXX . If you cant quite make that payment, you can make a lower payment amount of {$63.00} by XXXX XXXX , XXXX . This amount wont bring your account up to date at this time, but it will prevent your account from becoming more past due. We also have flexible payment options that let you split payments up over a few months. To find out more, please give us a call at XXXX and have XXXX ID XXXX ready so an agent can serve you more quickly. XXXX XXXX Free Ways to Pay : PAY ONLINE Sign in to your account. XXXX CALL XXXX XXXX : XXXX XXXX p.m. XXXX XXXX : XXXX XXXX p.m. ET SEND A CHECK Capital One Services, XXXX XXXX . XXXX XXXX XXXX , NC XXXX XXXX / XXXX / XXXX XXXX am ( XXXX email ) Make a Payment Re : Your account ending in XXXX XXXX XXXX , We wanted to let you know your account is currently past due. We also want you to know were here for you. XXXX If you make your minimum payment of {$170.00} by XXXX XXXX , XXXX , your account will be up to date. XXXX If youre unable to make this payment, please give us a call at XXXX and have XXXX ID XXXX ready so an agent can serve you more quickly. We can explore other solutions, such as our flexible payment options that let you split payments up over a few months. XXXX XXXX Free Ways to Pay : PAY ONLINE Sign in to your account.

CALL XXXX XXXX : XXXX XXXX p.m. XXXX XXXX : XXXX XXXX p.m. ET SEND A CHECK Capital One Services, XXXX XXXX . XXXX XXXX XXXX , NC XXXX XXXX a Payment

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