In 2005 I was starting to get credit card offers in the mail and thought, Oh what the heck, I'll find out if I can get a credit card. I filled out and mailed in the application and a couple of weeks later I received a credit card with a $250 limit. I used it a couple of times and then forgot about it. As a matter of fact I completely forgot about it because I did not receive statements in the mail.
In 2007 I started getting harrassing calls from Capital One and I tried to locate the invoices as I believe the charges were under $100 and the calls said I owed $600+, so I kept searching for the invoices and charges so I had something in hand when they called back.
By the end of 2007 I was receiving harrassing calls from Daniel N. Gordon, PC offices where they claimed if I didn't pay my credit was going to be bad. I decided that after several calls from Daniel N. Gordon, PC, colletion agents for Capital One, that I would pay, since Gordon's office gave me a payoff amount that I could afford, so I paid $513.08 to Daniel N. Gordon, PC, which they said would clear up my negative credit report.
About a month went by and then I started to receive harrassing calls from a different collection company for Capital One. I can't believe it started all over again even though I have copies of the cancelled check which was received by Daniel N. Gordon, PC.
The calls are still coming and it is now July 2008 and Capital One claims I owe them over $700. The collectors keep asking if I have proof and I tell them I have a copy of the check I paid Daniel N. Gordon, PC. The collectors now tell me that Daniel N. Gordon has told them to continue to try to collect from me.
I have gotten tired of the harrassing calls and threats from Capital One collection agents and decided to try to collect information from the callers in order to file a court suit through our local civil attorney, so I tried to get names and numbers from all collectors. The collectors got extremely mad when I tried to get information from them and I haven't received a threatening call in about two weeks.
I am glad I haven't received the calls for a while, but, I believe the harrassment will begin again if something isn't done. I believe they will wait for a while and then try to collect more money from me and I believe with the payment I sent Daniel N. Gordon, PC the debt should be completely retired