My question involves collection proceedings in the State of: New York
OK, this may get confusing, so bare with me. My wife has a Capital One credit card in her name only. I have a Capital One credit card in my name only. She's not on mine, I am not on her's, two completely separate accounts, numbers and all. She's responsible for paying her bills and me, mine. She has become delinquent on her account and has been receiving collection calls from them. I have been paying mine on time and more than the monthly minimums. She received a call today from Capital One and they wanted to try to bring her account up to date. They threatened if she didnít comply soon, the account would be turned over to legal and they could garnish her wages and eventually put a lien / judgment on our home. They then proceeded to tell her that they saw I had made a payment to my account in such and such amount. They then asked her to speak to me about making the same payment to her account.
So this is my question. Can Capital One do this? Having access to an account is one thing, but to divulge information about one account to another party whose not even on it I thought was illegal. I want to call Capital One and blast them but I want a leg to stand on before I do so. Does anyone have any knowledge or assistance they can offer? It would be greatly appreciated.