Debt collection -- False statements or representation -- Complaint #10080966
Complaint Overview
Complaint ID: 10080966
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Massachusetts
ZIP Code: 02026
Date Received: 2024-09-09T12:00:00-05:00
Date Sent to Company: 2024-09-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I submitted a dispute to Capital One and XXXX XXXX XXXX XXXX XXXX ) regarding two accounts : Capital One secured account ending in XXXX Capital One unverified account ending in XXXX For the Capital One secured account ( ending in XXXX ), I provided a {$1000.00} security deposit when I opened the account. This deposit should have been applied to the account balance or refunded upon closure. However, Capital One failed to apply the deposit or refund it to me when the account was closed. XXXX XXXX XXXX ( XXXX ) then purchased this account, but neither company has addressed the missing security deposit. For the Capital One account ( ending in XXXX ), I do not recall opening this account, and I requested validation of the debt. Despite this, XXXX has only provided statements, which do not meet the legal requirements for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I have not received original contracts or any proper documentation verifying this account. XXXX XXXX XXXX continues to report inaccurate information to the credit bureaus despite my multiple disputes, and they have not properly verified the debts. Their failure to provide adequate validation has caused harm to my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I disputed these accounts with Capital One and XXXX XXXX XXXX, asking for proper validation of the debts and the application or refund of the {$1000.00} security deposit for account XXXX. On XX/XX/year>, I followed up on my dispute as the accounts were still inaccurately reported on my credit profile. Amounts in Question : Capital One account XXXX : {$720.00} balance and a {$1000.00} security deposit that was not applied or refunded. Capital One account XXXX XXXX XXXX XXXX. Despite my multiple requests, these accounts remain unverified and inaccurately reported, and I am requesting immediate deletion of the accounts from all credit bureaus and resolution of the security deposit issue.
Frequently Asked Questions
What is Complaint #10080966 about?
Complaint #10080966 was filed against Capital One Financial Corporation regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-09-09T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.