Debt collection -- Attempts to collect debt not owed -- Complaint #5462654
Complaint Overview
Complaint ID: 5462654
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: North Carolina
ZIP Code: 28216
Date Received: 2022-04-18T12:00:00-05:00
Date Sent to Company: 2022-04-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I affirm that now I am invoking my creditor status as a Federally Protected Consumer in fact, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an hold on my account. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of fraud. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I cant access my funds ) Violated 15 USC 1692e ; Using false, deceptive or misleading representations Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation Violated 15 USC 1692e ( 8 ) ; Communicating false information Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval Violated 15 USC 1692e ( 10 ) ; False Representation Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. Invasion of Individual and Family Privacy.
Frequently Asked Questions
What is Complaint #5462654 about?
Complaint #5462654 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 2022-04-18T12:00:00-05:00.
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.