Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/year>, I received an unauthorized text message at XXXX XXXX  PST from short code XXXX ' claiming to be from XXXX XXXX regarding debt collection for a Capital One XXXX account allegedly owned by XXXX XXXX XXXX . I also received an unauthorized email from XXXX. 

I NEVER provided consent to XXXX XXXX for text messaging, email communications, or any form of contact. I have no business relationship with this company and never authorized them to collect any alleged debt.

FEDERAL LAW VIOLATIONS : - FDCPA Section 1692c ( b ) : Text messaging without " prior consent given directly to the debt collector '' - TCPA Section 227 ( b ) ( 1 ) ( A ) ( iii ) : Automated text to cellular phone without express consent - FDCPA Section 1692c ( a ) ( 1 ) : Contact at XXXX XXXX may violate " unusual time '' restrictions - FDCPA Section 1692g ( a ) : No validation notice provided in initial communication - FDCPA Section 1692e : False representation of collection authority without proving authorization from XXXX  NEVADA STATE VIOLATIONS : - NRS 649.370 : Federal FDCPA violations automatically constitute Nevada violations - NRS 649.375 : Prohibited collection practices- NRS 598.0915 : Deceptive trade practices for claiming unauthorized collection authority The use of short code XXXX ' proves automated dialing system deployment requiring express consent under TCPA . This represents systematic violations of multiple federal consumer protection laws through unauthorized electronic debt collection. 

XXXX XXXX XXXX COMPLAINT DESCRIPTION : XXXX XXXX XXXX owns an alleged Capital One XXXX debt appearing on my credit reports. However, an unauthorized third-party company " XXXX XXXX '' contacted me on XX/XX/year> via text message and email claiming to collect on this XXXX d

ebt without any proof of authorization. VALIDATION DEMAND VIOLATIONS : I am demanding complete debt validation under FDCPA Section 1692g ( b ), including proof that XXXX authorized XXXX XXXX to collect. XXXX must cease all collection activities during validation period but has failed to control unauthorized third-party collection.

FURNISHER LIABILITY VIOLATIONS : XXXX continues furnishing credit information while their alleged collection agents violate federal law : - FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) : Can not furnish information while having " reasonable cause to believe '' it's inaccurate due to collection violations- Active federal law violations by collection agents create furnisher liability SUPERVISORY LIABILITY : Under respondeat superior doctrine, XXXX  is liable for ALL collection activities conducted on their behalf, whether authorized or unauthorized : - If XXXX is authorized : XXXX liable for all FDCPA/TCPA violations- If XXXX is unauthorized : XXXX liable for allowing unauthorized collection NEVADA STATE VIOLATIONS : - NRS 649.370 : Federal violations automatically become Nevada violations - NRS 598C.150 : {$5000.00} penalty for furnishing while violating federal law - NRS 649.332 : Enhanced Nevada validation requirements This demonstrates systematic failure to maintain proper collection oversight and compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief