Debt collection -- False statements or representation -- Complaint #14343444
Complaint Overview
Complaint ID: 14343444
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: Kentucky
ZIP Code: 423XX
Date Received: 2025-06-27T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Sir or Madam, I am writing regarding the above-referenced account as listed on my XXXX credit report. I am not disputing the debt at this time ; however, I am requesting clarification and documentation related to this account. Please provide the following information : 1. The official date of last delinquency that led to the charge-off. 2. The date of last payment made on this account. 3. The exact date the account was charged off and classified as such. 4. A complete copy of the XXXX XXXX 199C Compliance code data used to report this account. This information is necessary for me to understand the accuracy and reporting timeline of this account. If any of the information provided to the credit bureaus is found to be inaccurate or incomplete, I kindly request that it be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Please respond to this request in writing. You may send your response to the mailing address above or via email, if more convenient. Thank you in advance for your cooperation and timely attention to this matter.
Frequently Asked Questions
What is Complaint #14343444 about?
Complaint #14343444 was filed against Capital One Financial Corporation regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-06-27T12:00:00-05:00.
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.