Debt collection -- Written notification about debt -- Complaint #7132819
Complaint Overview
Complaint ID: 7132819
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Notification didn't disclose it was an attempt to collect a debt
State: Texas
ZIP Code: 77494
Date Received: 2023-06-18T12:00:00-05:00
Date Sent to Company: 2023-06-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to explain how the COVID-19 pandemic has significantly impacted my income, leading to financial instability. Prior to the pandemic, I had a stable income. However, due to social restrictions and travel bans, the demand for my job services decreased drastically, resulting in my XXXX. As a responsible consumer, I am reaching out to your organization for guidance and assistance in navigating these challenging times to fix my credit. I kindly request the Consumer Financial Protection Bureau to consider my situation and provide any resources, programs, or advice that can help individuals like me who have been severely affected by the COVID-19 pandemic. Your expertise in consumer financial protection is invaluable, and I trust that your organization can offer the necessary support to regain financial stability to boost my credit score. Action Steps : - the record shows on my credit report three negative items is at the same time in XX/XX/2021 ( covid ), before XXXX I was good on all my payments - made multiple phone calls for assistance during covid - company reached out to me thru the mail, and I called to discuss my situation multiple times - time passed and I thought I was just doomed with my finances
Frequently Asked Questions
What is Complaint #7132819 about?
Complaint #7132819 was filed against Capital One Financial Corporation regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2023-06-18T12:00:00-05:00.
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.