Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Return Receipt Requested ] Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX balance {$1100.00}, XXXX credit card {$300.00}, XXXX  XXXX Bank XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX {$4900.00}, XXXX XXXX XXXX  XXXX XXXX XXXX ( reported and transferred inaccurately ), XXXX XXXX  Bank ( Transferred inaccurately ), XXXX credit card., XXXX  Bank/XXXX  XXXX  hard inquiries from mortgage and credit card lenders from XXXX ( verify authorization ) XXXX  Bank, XXXX, XXXX  Bank XXXX, XXXX XXXX, XXXX Bank, XXXX, XXXX XXXX  XXXX via XXXX XXXX XXXX  XXXX Mortgage via XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bank via XXXX Bank, XXXX XXXX Bank XXXX XXXX Re : Request for Debt Validation under 15 U.S.C. 1692g Account # : Original Creditor : Amount Alleged : To Whom It May Concern : I am writing regarding the above-referenced account. I am requesting that you validate this debt as provided by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please treat this communication as a formal dispute and a request for validation. Do not contact me about this debt except to provide the requested verification.

Specifically, please provide the following documentation : 1. A complete copy of the original signed contract or agreement that created the alleged debt, showing my signature.

2. A full itemized statement showing the amount of the alleged debt and all interest, fees, and other charges claimed, with dates and calculations.

3. The name and address of the original creditor and an itemized explanation of how the account was assigned or transferred ( chain of title ), including dates and copies of any assignment documents.

4. Proof that you are legally authorized to collect debts in [ State XXXX XXXX ] and proof that you are licensed to collect this debt ( if licensing is required in the state ). 
5. A copy of the judgment ( if you claim you hold a judgment ). If you do not hold a judgment, state so in writing.

6. Proof that you are the current owner of the debt and documentation showing the purchase price paid for the alleged debt ( if applicable ).

7. A copy of any documents showing I agreed to be liable for this debt ( signed contracts, credit card agreement, service agreement, etc. ).

8. The name and license number of any person or law firm representing you, and documentation that they are authorized to collect on your behalf.

9. A complete payment history from the original creditor to present, showing all payments and credits.

10. Verification of my identity as it relates to this account to confirm the debt belongs to me. 
For the purposes of proper identification, here is my information as I authorize you to use it only for verification of this claimed debt : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX If you can not provide the requested documentation within the 30-day validation period required by law, you must cease all collection activities and remove any negative credit reporting related to this account ( including deletion of any tradelines, consumer statements, or related inquiries ) from my credit reports with all three major credit bureaus ( XXXX, XXXX  XXXX and XXXX  ). If you have reported this account to any credit reporting agency, include documentation of what was reported, who reported it, and the dates reported. 

If you do provide verification, I request that you also include the name and address of the person or entity to whom I should make any payment and a statement itemizing how future payments will be applied. 

This is my written dispute of the debt and a request for validation. Please stop all communication other than the requested verification, and do not contact me at my place of employment. If you continue collection activities or report this debt without proper validation, I will consider all my legal remedies, including filing complaints with the CFPB, the FTC, the North Carolina Attorney Generals office, and the Consumer Financial Protection Bureau, and pursuing any other rights available under federal and state law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief