Debt collection -- Took or threatened to take negative or legal action -- Complaint #18549624
Complaint Overview
Complaint ID: 18549624
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Seized or attempted to seize your property
State: Florida
ZIP Code: 32780
Date Received: 2026-01-07T12:00:00-05:00
Date Sent to Company: 2026-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX. XX/XX/year> : I sent my first written request to XXXX for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and requested substantiation of the alleged debt. XXXX. XX/XX/year> : XXXX filed a lawsuit against me in XXXX XXXX, Florida, regarding the alleged debt. XXXX. XX/XX/year> : I filed a motion to dismiss the lawsuit due to XXXX failure to provide validation of the debt. XXXX. Improper Service : I was not properly served with the lawsuit ; therefore, I was unaware of the court date. As a result, a default judgment was entered against me. XXXX. XX/XX/year> : Wage garnishments began the second week of XXXX. XXXX. XX/XX/year> : I filed as head of household ; the garnishment was voluntarily dismissed on XX/XX/year>. XXXX. XX/XX/year> : The garnishment continued without proper substantiation of the debt. XXXX. XX/XX/year> : XXXX sent a letter acknowledging receipt of my dispute, stating the account is verified as accurate, but they provided no documentation or chain of title to substantiate the debt. Summary of Issues : Despite repeated requests since XX/XX/year>, XXXX has failed to provide debt validation or proof of ownership. The debt has been subject to ongoing wage garnishment without substantiation. The account continues to appear on my credit report, potentially inaccurately, and with a disputed flag. I have been subjected to improper service, default judgment, and wage garnishment for a debt that has not been legally validated.
Frequently Asked Questions
What is Complaint #18549624 about?
Complaint #18549624 was filed against Capital One Financial Corporation regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2026-01-07T12:00:00-05:00.
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.