Debt collection -- Written notification about debt -- Complaint #5158996
Complaint Overview
Complaint ID: 5158996
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Ohio
ZIP Code: 44108
Date Received: 2022-01-27T12:00:00-05:00
Date Sent to Company: 2022-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Send Capital One several FOIA request regarding this alleged debt, however no response. No documents were provided to me. No notice of Dispute to the credit bureau. XXXX to be specific. This is a clear violation of the FDCPA, FCRA by not follow both federal and state laws. Federal laws violation : 15 USC Code 1601 Congressional findings and declaration of purpose ( a ) ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. Federal laws violation : 15 USC 1681 e-Compliance procedures Federal laws violation : 15 USC 6802 Obligations with respect to disclosures of personal information. Federal laws violation : 15 USC 1681a- definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) ( ii ). I have the documents dates, Credit reports dates and certified mail XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #5158996 about?
Complaint #5158996 was filed against Capital One Financial Corporation regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-01-27T12:00:00-05:00.
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.