Debt collection -- Communication tactics -- Complaint #4838065
Complaint Overview
Complaint ID: 4838065
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: Auto debt
Issue: Communication tactics
Sub-Issue: Used obscene, profane, or other abusive language
State: Illinois
ZIP Code: 60409
Date Received: 2021-10-24T12:00:00-05:00
Date Sent to Company: 2021-10-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I exercised my right as a consumer and Capital One has done an adverse action because I exercised my right as a consumer, see attached document. Capital One is in violation with this letter sent on XX/XX/2022 pursuant to 15 U.S. Code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. They are scaring me with threats to pay by a date that is unrealistic. I am aware, collection activity includes furnishing any information on this subject matter to any consumer reports. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S. Code 1666a ( a ). I am aware that billing errors are also defined pursuant to 12 CFR 1026.13 ( a ) ( 1 ) a reflection on or with a periodic statement/remittance/dividend of an extension of credit that is not made to the consumer. Pursuant to 12 CFR 1026.13 ( a ) ( 4 ) A reflection on a periodic statement of the creditors failure to credit properly other credits issued to the consumers account. Pursuant to 12 CFR 1026.13 ( a ) ( 5 ) a reflection on a periodic statement of the creditors failure to credit properly other credits issued to the consumers account. Pursuant to 12 CFR 1026.13 ( a ) ( XXXX ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I demand that you do not terminate or close my account due to me exercising my rights in good faith pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Such an act of closing my account without my authority will be proof Capital One acted without care, good faith, and has indeed performed illegal activity.
Frequently Asked Questions
What is Complaint #4838065 about?
Complaint #4838065 was filed against Capital One Financial Corporation regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2021-10-24T12:00:00-05:00.
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.