Debt collection -- Attempts to collect debt not owed -- Complaint #18994718
Complaint Overview
Complaint ID: 18994718
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: California
ZIP Code: 90807
Date Received: 2026-01-25T12:00:00-05:00
Date Sent to Company: 2026-02-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
b'I opened a bass pro XXXX XXXX XXXX in XXXX or XXXX XXXX\nXX/XX/XXXX I made 3 payments\nXXXX,XXXX,XXXX on my bank statement through ach trace numbers \nClearly that was an overpayment \nXX/XX/XXXX I paid XXXX plus XXXX returns\nXX/XX/XXXX I paid XXXX w ~XXXX in returns\nXX/XX/XXXX I paid XXXX with XXXX in returns\nXX/XX/XXXXI paid XXXX w XXXX in returns plus XXXX\nXX/XX/XXXX XXXX payment\nXX/XX/XXXX I paid XXXX\nXX/XX/XXXX I paid XXXX\nAll of these payments above show on my bank statement and I can verify \nI reported issues to the XXXX XXXX company in XX/XX/XXXX explaining that there was fraud and possible identity theft \nI requested the account be closed and investigated in XX/XX/XXXX \nSo any interest, or fees included are null and void the card was never used after that\nMy payments being extracted from my bank account were not showing correctly on the statements \nI was issued a check in XX/XX/XXXX for the overpayment paid in XX/XX/XXXX \nI closed the other XXXX XXXX card after paying it off and was issued a check for XXXX however that check was a fake check and after depositing it it disappeared and doesnt show up in my bank account \n\nThe last purchase I made with the card was in XX/XX/XXXX for a XXXX couch purchased in XXXX I never used the card again \nThis is fraud Im not sure why the company is charging so much interest the terms were no interest for a year which I was still under opening the card in XXXX or XX/XX/XXXX \nMy identity is fully compromised I have multiple issues to report besides this I can verify my payment that XXXX has never sent me any documentation to counter my claims'
Frequently Asked Questions
What is Complaint #18994718 about?
Complaint #18994718 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 2026-01-25T12:00:00-05:00.
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.