Debt collection -- Attempts to collect debt not owed -- Complaint #8726278
Complaint Overview
Complaint ID: 8726278
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: Ohio
ZIP Code: 43232
Date Received: 2024-04-08T12:00:00-05:00
Date Sent to Company: 2024-04-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to bring to your attention an entry on my credit report that is inaccurately reflecting my financial status. Account Details : Creditor : Capital One Balance : {$4300.00} Account Number : XXXX Capital One has written off this debt, yet it remains on my credit reports, causing significant damage to my creditworthiness. As a lone consumer facing a financial giant, it is disheartening to see such practices continue, especially when companies like Capital One have profited immensely at the expense of individuals. I request that Capital One take immediate action to remove this entry from my credit reports. If this issue is not resolved, I am prepared to escalate the matter to ensure my consumer rights are protected.
Frequently Asked Questions
What is Complaint #8726278 about?
Complaint #8726278 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 2024-04-08T12:00:00-05:00.
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 (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.