No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Your account or not, the Statue of Limitations has long expired. Virginia (where CapitalOne is based) caps at three years to sue. They obviously didn't thus there's nothing you need to do. If they do sue you, just use that as your defense. Whatever you do, do not make any payments whatsoever or a promise to pay. DV not needed, you are way beyond that. I would send a C&D letter outling the SOL has expired and if sued, you will use that as your defense.
Moving this thread to the rebuilding forum.
I have had the same exact call this week on Monday. Same company stating that I opened a Capital One account and gave me the account number in 2001 made payments on it until 2002 and said that I owed a large balance. The address on their records was my father's current mailing address. I have never lived with him before. Not sure what this is all about. They gave me an email address to open a dispute. I currently have an active Cap 1 account in good standing. This is my first account with them ever in my life and it was opened in 2010. At the time of 2001 I didn't even know who Capital One was. The same company Portfolio Recovery contacted me. They called from a Alabama number. Very strange that this is happening to you as well. Nothing on my CR. I checked. Never had any chargeoffs. She also mentioned that this account might have been discharged in a bankruptcy. I have NEVER filed bankruptcy in my life. VERY VERY STRANGE!!
I was going to ask the same question because strangely enough, I have been contacted by Portfolio Recovery for a debt that from 2002 that has fallen off from my credit report and also from another company, for VZ Wireless also, in 2002 (also fell off credit report). I am trying to clean up my credit but afraid these 2 will show up again. Should I just ignore and not do anything?
Sorry to piggy back on the thread - but it's almost identical to the dates and I am now getting hits from other CA's.
Thanks!
Ok this is weird indeed. Portfolio Recovery has always been unscrupulous but this is as if they are just calling people demanding payment for accounts that they never had. I know they better not call me again bc I know this is not my account and I am not one to take legal action but I will not hesitate to do so this time.
I wonder where they are getting our information from.
@WallowinginVA wrote:I was going to ask the same question because strangely enough, I have been contacted by Portfolio Recovery for a debt that from 2002 that has fallen off from my credit report and also from another company, for VZ Wireless also, in 2002 (also fell off credit report). I am trying to clean up my credit but afraid these 2 will show up again. Should I just ignore and not do anything?
Sorry to piggy back on the thread - but it's almost identical to the dates and I am now getting hits from other CA's.
Thanks!
I am assuming you are in VA. It says
The statute of limitations on debt in Virginia limits the time you can be sued for a debt:
oral contract: 3 years
written contract: 5 years
promissary note: 6 years
open ended accounts: 3 years
They cannot place it in on ur credit report bc that is considered re-aging and it is illegal.
I had the same thing happen to me. My cell is also my home phone so they called when I was at work. I missed the call so I called the number back to hear they are collecting for a capital one acct from 2002. I never in my life had a capital one not even when I had bad credit and not now that I have good credit. When the guy told me the date I was like, "Are you serious?". I told him that it wasn't my debt and he said they would keep calling. I googled until I found an email address to a head honcho and emailed him telling him the calls had better stop and that the account is from 2002 uncollectable & not mine. I haven't received another call. They are just trying to sucker someone into paying. Someone who don't know the laws of debt collection. Don't pay a dime.
@mnegron1969 wrote:I had the same thing happen to me. My cell is also my home phone so they called when I was at work. I missed the call so I called the number back to hear they are collecting for a capital one acct from 2002. I never in my life had a capital one not even when I had bad credit and not now that I have good credit. When the guy told me the date I was like, "Are you serious?". I told him that it wasn't my debt and he said they would keep calling. I googled until I found an email address to a head honcho and emailed him telling him the calls had better stop and that the account is from 2002 uncollectable & not mine. I haven't received another call. They are just trying to sucker someone into paying. Someone who don't know the laws of debt collection. Don't pay a dime.
Yeah after I calmed down I realized I had gotten myself worked up for no reason. I think they just took me by surprise because I know I never had another capital one account except for the one I have open now and I had wasn't expecting the call bc I make sure to stay on top of my credit but if they call again they will not like my response.
Thanks Toytoy! I really am trying to clean up my credit report - haha, speak of the devils, as I am writing this email, they are calling me!!
The only problem I have now on my credit report is from a credit card that I missed to pay by the due date, 2x, and that was back in 2009 and that is still pulling down my scores although, I have been current the last 3 years! GRRR!!