Debt collection -- Written notification about debt -- Complaint #10988569
Complaint Overview
Complaint ID: 10988569
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: Auto debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Ohio
ZIP Code: 43213
Date Received: 2024-12-01T12:00:00-05:00
Date Sent to Company: 2024-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had an isssue with identity theft but I was XXXX so while trying g to lock credit and rentals credit my personal information a was compromised, publicizes, and vandalized and utilized for other peoples gain to establish credit And ruin mines. I reached out to the credit reporting XXXX XXXX XXXX was in contact with creditors on every XXXX however my identity and account were still. Compromised and used. I attempted to dispute debt and pay off debts that I XXXX even owe or have access to. I reached out to them about my bancruptcy supposed to be discharged and not still on my credit. I also reported my car stolen and then XXXX police reengineered a letter to my mothers home stating they had my car in their care for almost two year under an investigation that I wasnt apart of or knowledge of. They told me I could come get it and pay the fees for it sitting there and tow fee. When I got to the place to pay it they said the loan provider picked it up. I gave them the information and contact information of the detectives who red hex out to me to provide the lenders with to verify the information. However they still charged XXXX for the car late fees and would not allow me to obtain credit or be put in another vehicle due to my not having access to it. I have been constantly locking and unlocking my credit account to avails further discrepancies. However in order for me to gain employment and stable housing for me and my child inside to continuously unlock unfreeze my accounts and reports in order to apply for XXXX and employee and other credit.
Frequently Asked Questions
What is Complaint #10988569 about?
Complaint #10988569 was filed against Capital One Financial Corporation regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-12-01T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". 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.