Credit card -- Improper use of your report -- Complaint #7694855
Complaint Overview
Complaint ID: 7694855
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 33837
Date Received: 2023-10-13T12:00:00-05:00
Date Sent to Company: 2023-10-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against Capital One, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. OnXXXX-XXXX, I sent a written request to Capital One, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Capital One. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. I believe that Capital One 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. I request that the CFPB conducts a thorough investigation into the non-compliance of Capital One with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that [ Creditor Name ] be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. Please consider this complaint as a formal request for investigation. I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. Thank you for your assistance in resolving this matter.
Frequently Asked Questions
What is Complaint #7694855 about?
Complaint #7694855 was filed against Capital One Financial Corporation regarding Credit card specifically about Improper use of your report. It was received by the CFPB on 2023-10-13T12:00:00-05:00.
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) 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.