Debt collection -- Attempts to collect debt not owed -- Complaint #18048083
Complaint Overview
Complaint ID: 18048083
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: Texas
ZIP Code: 76137
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 providing full authorization for the company to proceed with my complaint. I am confirming that I am the consumer who submitted this dispute, and I give the company permission to review, investigate, and respond directly to my complaint in full. There is no unauthorized third party involved. All information in my complaint was submitted by me, and I am requesting that the company move forward with processing and responding to the dispute without delay. Additionally, I want to make it clear that I have already filed an FTC Identity Theft Report regarding the fraudulent or inaccurate information appearing on my credit file. This report is part of my official dispute, and I expect the company to treat my case in accordance with federal identity theft protections under the Fair Credit Reporting Act. Please notify the company that I authorize them to access any information necessary to resolve this matter and that my FTC report should be considered during their investigation. I request that the investigation continue promptly and in full compliance with federal law. Thank you.
Frequently Asked Questions
What is Complaint #18048083 about?
Complaint #18048083 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.