Debt collection -- Attempts to collect debt not owed -- Complaint #18044238
Complaint Overview
Complaint ID: 18044238
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Missouri
ZIP Code: 63379
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am confirming that I am the consumer who submitted this complaint, and I am providing full authorization for the company to review, investigate, and respond to my complaint. There is no unauthorized third party involved, and I am authorizing the company to access any information necessary to resolve this matter. I also want to make it clear that I have already filed an FTC Identity Theft Report because the accounts being reported do not belong to me. My FTC filing further confirms that this complaint is legitimate and submitted by me directly. The company should treat this matter as an identity-theft related dispute and proceed accordingly under all FCRA, FDCPA, and FACTA requirements. I authorize the company to move forward with the investigation and provide a full response through the CFPB system. I request that my complaint remain open and continue without delay.
Frequently Asked Questions
What is Complaint #18044238 about?
Complaint #18044238 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 2025-12-01T12:00:00-05:00.
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.