Debt collection -- False statements or representation -- Complaint #9742000
Complaint Overview
Complaint ID: 9742000
Company: Capital One Financial Corporation
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Told you not to respond to a lawsuit they filed against you
State: New York
ZIP Code: 11226
Date Received: 2024-08-07T12:00:00-05:00
Date Sent to Company: 2024-08-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
[ XXXX ] Capital one [ Resurgent acquisition ] [ XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX ] Subject : Dispute of Hidden Fees, Account Closure, and Debt Sale Dear Capital one I am writing to formally dispute the charges and handling of my account I am deeply concerned about several issues regarding the hidden fees, the closure of my account, and the subsequent sale of my debt to a third-party debt collector. To provide context, on [ specific date ], I noticed a charge of {$1100.00} on my statement that was not disclosed or communicated to me. This lack of transparency is troubling and has led to unexpected financial strain. Furthermore, on XXXX, without prior notice or a reasonable explanation, my account was abruptly closed. This action has not only affected my credit score but has also caused significant inconvenience and stress. Following the account closure, on [ specific date ], I was informed that my debt amounting to [ $ amount ] had been sold to [ name of third-party debt collector ]. This was done without proper communication or disclosure, leaving me in the dark about the status of my debt. I am requesting the following actions to be taken immediately : XXXX. A detailed explanation of all the charges and fees applied to my account, including the {XXXX} charge on XXXX XXXX. An investigation into the hidden fees and why they were not disclosed appropriately. 3. Reinstatement of my account with a clear and transparent breakdown of any legitimate charges. 4. Clarification on the sale of my debt, including the terms under which it was sold and the identity of [ name of third-party debt collector ]. 5. Rectification of any negative impact this situation has had on my credit report. I believe that as a customer, I deserve transparency and fair treatment. I am hopeful that this matter can be resolved amicably and promptly. Please acknowledge receipt of this letter and provide a response within 14 days. I am confident that we can address these issues satisfactorily and restore my faith in your companys services. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #9742000 about?
Complaint #9742000 was filed against Capital One Financial Corporation regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-08-07T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.