Debt collection -- Attempts to collect debt not owed -- Complaint #4394167
Complaint Overview
Complaint ID: 4394167
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Louisiana
ZIP Code: 708XX
Date Received: 2021-05-20T12:00:00-05:00
Date Sent to Company: 2021-05-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I entered a consumer credit transaction with CAPITAL ONE and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that CAPITAL ONE claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. CAPITAL ONE has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Frequently Asked Questions
What is Complaint #4394167 about?
Complaint #4394167 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 2021-05-20T12:00:00-05:00.
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.