They claim that I have a debt with Capital One, But I have never had a Capital One account as verified with Capital One directly even confrenced them in to hear this. They (riddle) also claims that they will send proof of this debt and have claimed to have sent it 5 times over the past 6 months yet nothing ever arrives. They call me 1-2 times a day and when i answer they prompt me to an automated system that hangs up when i press 0. When I call them back they give the same response everytime that were hired to collect this debt and they claim that it is valid, yet I have copies (recent) of all 3 credit reports and their is no record. read full review »