888-395-1651

Left a message:  Pending notice of action for Philadelphia County. Reference #210110 for information.

Wanting to collect on a debt from Capital One. I have had no contact with Capitol One in over 20 years

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

I had the same call. They actually lied and said that they had sent the letters by mail to bogus addresses. Don't call or answer this number. It is a Scam

Can you please elaborate on this answer? Is this a Scam or not?

I just received a call today... saying they tried to mail me something certified but it was not deliverable. Gave me this 888-395-1651 and file # 210440 St Joseph County

Call left message but no company name and also called my ex husband threatening him too. Ridiculous