Debt collection -- Attempts to collect debt not owed -- Complaint #15077462
Complaint Overview
Complaint ID: 15077462
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: 18042
Date Received: 2025-08-04T12:00:00-05:00
Date Sent to Company: 2025-08-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am receiving calls from a company called XXXX XXXX XXXX about a debt that they claim is connected to me or my father. They are calling me repeatedly, even though I have never opened a credit account in my name. I turned XXXX recently and attempted to start building credit, but was unable to get approved anywherecredit card applications were denied, and I was told I had no credit file at all. Ive never co-signed anything and have no debts that I know of. I believe this is either a case of mistaken identity or potential misuse of my information. Ive informed the company that I am not the person theyre looking for, and Ive asked them to stop calling, but they continue to contact me. I would like this investigated and for the company to cease all communication with me unless they can provide verified proof of any debt connected to my name and Social Security number. I am also concerned about the possible presence of fraudulent activity on my credit file. .
Frequently Asked Questions
What is Complaint #15077462 about?
Complaint #15077462 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 2025-08-04T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.