Debt collection -- Attempts to collect debt not owed -- Complaint #11768485
Complaint Overview
Complaint ID: 11768485
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Pennsylvania
ZIP Code: 19132
Date Received: 2025-01-21T12:00:00-05:00
Date Sent to Company: 2025-01-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am being contacted by a debt collector with whom I have no prior agreement or credit relationship. I have sent two certified letters requesting proof of a contractual agreement between the debt collector and myself, as well as proof of their legal right to process and use my personal information. Both times, they responded with a bill from another company, which does not satisfy my request for validation. I have also contacted the original creditor twice regarding this matter and have not received any response. The accounts in question were removed by the original creditor as a charge-off. Additionally, I requested a Form 1099-C from the original creditor for any canceled debt, but I have not received this document. I am requesting the CFPBs assistance in resolving this matter, as my attempts to obtain proper validation and documentation have been ignored.
Frequently Asked Questions
What is Complaint #11768485 about?
Complaint #11768485 was filed against Capital One Financial Corporation regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-01-21T12:00:00-05:00.
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.