First National Collection Bureau, Inc. Claiming i owe for a bank account in Cal when i have never been west of Texas and never had an account with Capital One Sparks, Nevada

   I recieved a letter stating I owe $588.52 to Monterey County Bank/ Capital One.  I have never heard of this bank nor have I ever lived in such a county by that name. I was very curious as to where this place was, if it did exist.  I looked online for where this bank was.  I discovered it is in California.  I have never ever been west of central Texas, and I have never ever had a Capital One account.  I tried calling the number I was given on the collection letter to clear this up and I was told, both times I called it, that the number is not a working number and there was no other way of contacting them other than by sending in my payments, even though it says they are open m-f 6a-6p and sat 6a-noon pst.