Debt collection -- Written notification about debt -- Complaint #14903462
Complaint Overview
Complaint ID: 14903462
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Pennsylvania
ZIP Code: 17044
Date Received: 2025-07-26T12:00:00-05:00
Date Sent to Company: 2025-07-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year>2025 wrote to XXXX I disputed the accuracy and completeness of certain accounts on my credit file, under the Fair Credit Reporting Act ( FCRA ). In response, I received an update showing that descriptors were changed, but I did not receive any legal documentation, verification of debt, chain of title, or date of first delinquency for any of the disputed accounts. The FCRA requires a reinvestigation and validation of all relevant documentation if the dispute involves accuracy or identity. Merely changing the descriptor does not meet the burden of verification. XXXX failed to provide documentation, and the accounts remain, which you believe is a violation of FCRA ( 15 U.S. Code 1681i )
Frequently Asked Questions
What is Complaint #14903462 about?
Complaint #14903462 was filed against Capital One Financial Corporation regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-07-26T12:00:00-05:00.
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.