Debt collection -- Written notification about debt -- Complaint #4782431
Complaint Overview
Complaint ID: 4782431
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: Auto debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: California
ZIP Code: 91406
Date Received: 2021-10-05T12:00:00-05:00
Date Sent to Company: 2021-10-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I XXXX XXXX entered a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX on XX/XX/19. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash but XXXX XXXX XXXX XXXX XXXX took cash. The finance charge its suppose to include insurance but XXXX XXXX XXXX XXXX XXXX made me purchase insurance separately.
Frequently Asked Questions
What is Complaint #4782431 about?
Complaint #4782431 was filed against Capital One Financial Corporation regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2021-10-05T12:00:00-05:00.
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.