Received today a letter addressed to my spouse offering payment options on a debt that was ostensibly owed to Capital One Bank. The main problem with the collections activity is that my spouse has NEVER had an account of any kind with this bank or its predecessors. Indeed, he hasn't had a bank account in any bank for almost 5 years and has had no credit cards or other credit accounts in at least 12 years, a product of having been burned by his ex-wife when she cleaned out their joint account and ran up debts on their credit cards prior to... read full review »