Debt collection -- Electronic communications -- Complaint #11070455
Complaint Overview
Complaint ID: 11070455
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: I do not know
Issue: Electronic communications
Sub-Issue: Frequent or repeated messages
State: Michigan
ZIP Code: 499XX
Date Received: 2024-12-07T12:00:00-05:00
Date Sent to Company: 2024-12-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal of Charge-Off from Credit Report Dear Sir/Madam , I am writing to formally request that the charge-off listed on my credit report for the Capital One account be reviewed and removed. The charge-off in question is listed under the following details : Account Holder Name : XXXX XXXX Account XXXX : [ Insert Account Number ] Charge-Off Date : XX/XX/XXXX I acknowledge the financial challenges I faced that led to this charge-off, and I regret that it occurred. Since then, I have worked diligently to improve my financial situation, including taking steps to settle and resolve any outstanding debts. I respectfully request that you consider removing the charge-off from my credit report as a gesture of goodwill, as it no longer reflects my current creditworthiness. Removing this negative item would significantly improve my credit standing and help me continue to rebuild my financial profile. I sincerely hope you will consider this request favorably. Please let me know if any additional documentation or information is required to process this request. I can be reached by phone at XXXX or by email at XXXX. Thank you for your time and consideration. I look forward to your prompt response. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11070455 about?
Complaint #11070455 was filed against Capital One Financial Corporation regarding Debt collection specifically about Electronic communications. It was received by the CFPB on 2024-12-07T12:00:00-05:00.
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.