Debt collection -- Attempts to collect debt not owed -- Complaint #16225206
Complaint Overview
Complaint ID: 16225206
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Minnesota
ZIP Code: 55303
Date Received: 2025-09-27T12:00:00-05:00
Date Sent to Company: 2025-10-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX. ( for XXXX XXXX and now Capital One, N.A. through XX/XX/year> merger ) is collecting a disputed {$11000.00} credit card debt ( Account # XXXX, Case # XXXX, XXXX XXXX, MN XXXX through improper garnishment and account freeze, violating FDCPA ( 15 U.S.C. 1692g non-validation ), TILA ( 15 U.S.C. 1601 disclosure failure ), and Public Law ( e.g., 18 U.S.C. 1346 fraud scheme ). On XX/XX/year>, I served XXXX Requests and Questions to XXXX ( attached ), demanding admissions/productions/interrogatories on funding source, disclosure, and loss calculationno response or inadequate. On XX/XX/year>, I served my Answer with Affirmative Defenses ( attached ), denying breach of contract ( no reserves/consideration ), account stated, and unjust enrichment ( no bona fide loss ). I demanded dismissal, refunds, credit reversal, {$500.00} costs, and arbitration under XXXX XXXX XXXX response or inadequate. On XX/XX/year>, I served a Cease and Desist Notice of Liability to XXXX ( attached ), putting the lawyer on notice of Public Law violations ( e.g., peonage under 39th Cong. Ch. 187, 18 U.S.C. 1342 fictitious name fraud, 2331 coercion/terrorism, 241/242 rights deprivation ) and demanding they back off and cease all actionsno response/ no rebuttal. XXXX 's XX/XX/year>, Motion for Summary Judgment ( not attached but referenced ) ignores these disputes, seeking judgment despite non-validation. The freeze ( ongoing since XXXX XXXX XXXX ) has caused > {$5000.00} economic harm and emotional distress ( 18 U.S.C . 2331 coercion ). This is unfair collection ( 1692f ) despite my good-faith disputes On XX/XX/year>, I sent a Cover Letter ( attached ) as creditor, enclosing IRS Forms 1099-A ( abandonment of secured property, {$11000.00} FMV/principal ) and 1099-B ( barter proceeds reported ), proving tax obligations met and debt resolved. Demanded garnishment release/unfreeze and explanation for code misapplication/harm to my familyno response. I followed up with a call on XXXX which is recorded if you want a copy asserting obligation is fulfilled and need to unfreeze my account, I then left a voicemail for attorney with no call back to date. On XX/XX/year>, I am sending a Debt Validation Letter ( attached ), demanding verification by oath/affidavit ( Black 's Law definition ), with case law on promissory fraud and breach of fiduciary duty ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX deadline. I am sending via certified mail to XXXX, XXXX, and Capital One ( since the merger with XXXX ).. This information is given in good faith, with clean hands and sound mind to the best of my knowledge and belief.
Frequently Asked Questions
What is Complaint #16225206 about?
Complaint #16225206 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 2025-09-27T12:00:00-05:00.
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.