Debt collection -- Attempts to collect debt not owed -- Complaint #15221038
Complaint Overview
Complaint ID: 15221038
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: New Jersey
ZIP Code: 07302
Date Received: 2025-08-11T12:00:00-05:00
Date Sent to Company: 2025-08-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I received an email from XXXX XXXX XXXX stating that I owe {$980.00} for a Capital One, N.A. account, and XXXX is collecting it. On XX/XX/XXXX, I called XXXX XXXX XXXX to dispute the debt. When prompted to enter my Social Security number in the automated system, it did not recognize me. The representative at XXXX XXXX XXXX then stated that the address associated with the account was in XXXXXXXX XXXX a location where I have never lived. ( She found a total of XXXX debts managed by XXXX XXXX XXXX with my name and I dont recognize any of these vendors nor bills ). I sent a Certified Mail, Return Receipt letter requesting full debt validation, including the original creditor details, account documentation, and payment history to XXXX XXXX XXXX. I have not received the requested information. Instead, I received a letter from the company requesting that I provide additional verification, including an affidavit. I am being pursued for a debt that is not mine, and I have not received the legally required validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). This collection activity is causing undue harassment and distress.
Frequently Asked Questions
What is Complaint #15221038 about?
Complaint #15221038 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 2025-08-11T12:00:00-05:00.
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.