Credit card or prepaid card -- Other features, terms, or problems -- Complaint #6413061
Complaint Overview
Complaint ID: 6413061
Company: Capital One Financial Corporation
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Virginia
ZIP Code: XXXXX
Date Received: 2023-01-08T12:00:00-05:00
Date Sent to Company: 2023-02-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CAPITAL ONE CREDIT CARDS, CABELLAS HAS TRIED UNSUCCESSFULLY, AND ILLEGALLY, BY MANY VIEWS, TO COLLECT, IN FULL, AN OWED BALANCE, THAT THIS CONSUMER, HAS PROVEN FRAUDULENT, USING US PUBLIC LEGAL SERVICES, US POLICE AGENCY REPORTING, AS WELL AS LEGAL DISPUTE PROCEDURES, AND INSTRUCTIONS, FOR RESTORING GOOD CREDIT, BY THE 3 THREE, NATIONAL CREDIT BUREAUS. THE LAST ATTEMPT TO COLLECT, AFTER, THE REPORTING BUREAUS, BY LAW REMOVED FROM THIS CONSUMERS CREDIT REPORT, THE ILLEGAL DEBT, CAME FROM CAPITAL ONE 'S RETAINED COLLECTION AGENCY, XXXX XXXX XXXXXXXX XX/XX/2022. THIS CONSUMER INFORMED THIS COLLECTION AGENT XXXXXXXX XXXX XXXX VIA RECORDED LINE, AND WAS INTENTIONALLY, DECEIVED, VIA PHONE LINE, BY A LIVE AGENT MISPRONOUNCING THE LEGAL " CEASE AND DESIST ORDER '' THE AGENT SAYING A " SEEDEE ORDER '' AND WAS TRANSFERRED TO A COLLECTIONS AGENT. I ADVISED THE AGENT THAT THIS COLLECTION ATTEMPT VIOLATED STATE AND FEDERAL LAW, AND THE FCA FAIR CREDIT REPORTING ACT AND ENDED THE CONVERSATION CORDIALLY AND ASSERTIVELY, THE AGENT RESPONDED DEFENSIVELY, THAT SHE HERSELF DID NOT VIOLATE THESE LAWS, THINKING INCORRECTLY, THAT SHE HERSELF WAS LIABLE AND CULPULABLE FOR THIS CRIME. MIDLAND CREDIT RESPONDED IN WRITING THAT THEY ARE CONSIDERING, AND THREATENING A CIVIL ACTION, AGAINST THIS CONSUMER, THE WRITER OF THIS REPORT. I RECEIVED A WRITTEN NOTICE OF INTENT TO SEEK CIVIL ACTION ACCOUNT NUMBER XXXX XX/XX/2022, SINGNED " XXXX XXXX '' DIVISION MANAGER OF XXXX XXXX XXXX, REPRESENTING CAPITAL ONE XXXX XXXX FROM XXXX XXXX XXXX ADDRESS, US XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX. PLEASE ASSIST. THANK YOU FOR YOUR SERVICE TO THE UNITED STATES.
Frequently Asked Questions
What is Complaint #6413061 about?
Complaint #6413061 was filed against Capital One Financial Corporation regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2023-01-08T12:00:00-05:00.
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 (Credit card or prepaid card) 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.