Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint to report serious and ongoing misconduct by the law firm XXXX XXXX XXXX, XXXX, regarding their collection efforts on an alleged Capital One account. Their handling of this matter has been deceptive, obstructive, and in bad faith. Below is a detailed timeline and explanation of events relevant to my complaint. 

Key Points of Misconduct XXXX. Lack of Debt Validation Prior to Legal Action : XXXX XXXX XXXX filed a lawsuit against me in XX/XX/XXXX and induced me into a stipulation agreement for monthly payments on XX/XX/XXXX. At that time, no debt validation was ever provided to me, in violation of the Fair Debt Collection Practices Act ( FDCPA ). The only " validation '' ever received was over a year later and only in response to a complaint filed with the CFPB in XXXX XXXX directly sent to me from their office as requested. 

XXXX. No Direct Communication or Acknowledgment of My Letters : I mailed XXXX certified letters to XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX with my current address clearly listed ( a return address is required to send certified mail ). Despite confirmed delivery, I never received a direct responseonly automated or indirect replies ( e.g., BBB or CFPB ). This deliberate avoidance of direct communication is unprofessional and raises ethical concerns. 

XXXX. Blocked Access to Payment Portal : Despite adhering to the payment agreement and even paying ahead in XX/XX/XXXX, XXXX XXXX XXXX unilaterally altered my payment portal to block partial payments and then removed my access altogether. This unjust action made it impossible to continue payingeven though I was willing and able to do so. 

XXXX. Final Judgment Filed Without Responding to My Certified Letters : I continued to send certified mail correspondence to resolve the issue, but XXXX XXXX XXXX proceeded to obtain a Final Judgment in XX/XX/XXXX. They never responded to or acknowledged my letters and only mailed a copy of the Final Judgment and Fact Information Sheet to my home after receiving my Florida Bar complaint. 

XXXX. False & Damaging Credit Reporting : On XX/XX/XXXX, shortly after I filed my formal Florida Bar complaint, XXXX XXXX XXXX falsely reported my account as more than 30 days delinquent to the credit bureaus. This credit reporting was made after they had intentionally blocked my access to their payment portal for several months, preventing me from making my agreed-upon payments. Their decision to restore portal access only after receiving notice of my XXXX complaint suggests retaliatory and unethical behavior. This action directly harms my credit reports. 

Conclusion I respectfully request the CFPB to investigate these practices for potential FDCPA and FCRA violations. XXXX XXXX XXXX actions have caused emotional distress, financial harm, and reputational damage. I request a full review and appropriate disciplinary or enforcement action to ensure they are held accountable for their conduct.

Company response to consumer: Closed with explanation