Capital One Bank And TSYS, JDM Total Debt Management Capital One Bank and TSYS Debt Collection Ripoff commiting fraud exorbitant fees double billing and ruining credit report with misinformation Richmond Virginia & Norcross Georgia

I am experiencing problems with both Capital One Bank and TSYS, JDM Total Debt Management. I filed a complaint with the FTC, but it seems they do not do any investigations to resolve problems. My credit card went to collections on 2/21/03 to TSYS, a third party collection agency. Capital One has double billed me for transaction fees (which there were no transactions for almost 3 years made by me on this account), late fees, finance charges on the same amount to the tune of an additional $1600..

I paid the TSYS debt of $3100. in full to TSYS on behalf of Capital One in December 2004, through monthly payments over the course of almost 2 years. Neither company will reveal to me their professional relationship specific to my account, after several requests. The payments sent to TSYS were somehow sent to Capital One, as they cashed my checks. I have sent about 10 - 12 letters to both Capital One and TSYS. Capital One will not answer the questions in writing, leading me on a wild goose chase and TSYS has never replied to any letters and has sent one misleading and fraudulent letter saying the first time they contacted me was 5/03 and charged an additional $790. from the original notice of 2/21/03. I disputed it and requested the letter they said they sent me two weeks prior, which was never sent, and after 3 requests, I gave up, for they never, ever replied, pretending the first contact was in May and not February.

I notified Equifax and Transunion that the info. from Capital One, saying I had exceptionally late payments, and that I still had a balance with them is incorrect. This was sent to them in 1/05. The response from Transunion is that they will check to see if what I sent to them is correct. Equifax has not replied.

Letters were sent certified to both Capital One and TSYS requesting their professional affiliation regarding my account and to TSYS requesting an itemization of the monies I sent to them and what they paid to Capital One, per suggestion of the FTC.

Capital One replied and said they had not received payment from TSYS, though my bank statements indicate that Capital One cashed the checks sent to TSYS. They never responded to the question as to the professional association/affiliation/relationship with TSYS. TSYS never responded to the letter sent to them and received by them on 1/24/05. According to the TSYS website, which is quite extensive, they are a third party collection agency for Capital One Bank.

Do you have any suggestions as to how I may best proceed? I cannot afford an attorney. I sent the info. to www.bigclassaction.com but they never replied. I do not feel I owe all the additional fees from Captial One bank and my balance should be zero. Any ideas on this?

Carolyn
Sedona, Arizona
U.S.A.