Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Original Account Number is unknown DOB is XX/XX/XXXX, and the last 4 SSN is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : Capital One Original Account Number : XXXX Current Creditor ( the sole owner of this debt ) : XXXX XXXX XXXX Collection Supervisor : XXXX XXXX ( XX/XX/XXXX ) Current Servicer : XXXX XXXX XXXX Account Number : XXXX Current Balance : {$520.00} Agency confirmed receipt of validation request on XX/XX/XXXXXXXX  Agency claims validation was sent on XX/XX/XXXX, which was never received The agency claims unable to send validation by email and can not read it over the phone because it has to be ordered again from a different department. However, the attached supervisor advised that he will request it and hopefully email it today if he receives permission. ( recorded call. 
No validation received as of today XX/XX/XXXXXXXX  Dear CFPB and FTC, I am writing to file a formal complaint against XXXX XXXX XXXX. On XX/XX/XXXX, I contacted the original creditor regarding a debt and was informed it had been transferred to and purchased by XXXX XXXX. I immediately contacted both the original creditor and XXXX XXXX to verbally request debt validation and dispute the debt, which I followed up on in writing via email. 

I repeatedly requested documents by email, and also requested a cease and desist. On XX/XX/XXXX, I followed up with both the collection agency and the original creditor, asking for my information to be forwarded to a compliance officer and a supervisor.. I spoke with a manager named XXXX at Capital One and asked for validation, and I was advised that they could not provide anything other than that they concluded I was responsible for the debt. I offered proof that my mail had been compromised and provided a letter from my bank stating that unknown individuals had contacted the bank from my cell phone number. The bank placed them on hold after they could not verify the password on my account. They attempted to reach me, but I did not answer because I was in the hospital ( XXXX  ). My account was placed on hold until I was able to speak with the bank and visit in person with my identification. I went to my main branch, where I am known by all, and they can confirm the attempted identity theft on my account. 

I am requesting your intervention to not only facilitate the removal of this debt from my credit report but also to secure compensation for every violation, including but not limited to the failure to validate the debt pursuant to FDCPA 809 ( validation ), 813 ( Civil liability ), 814 ( Administrative Enforcement ), and any other section deemed ( C ).

I can provide evidence that I was XXXX  for XXXX years due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, followed by a motor vehicle accident involving a semi rear-ending me. I was also XXXX  for an extended period due to XXXX and had no access to mail, phone, or email. While the credit bureaus declined to review my medical information, it is available if needed. I also have bank statements showing that I have more than a seven-figure balance, and I pay for everything with cash or payments out of my bank account. I refuse to pay a debt that does not belong to me. I am currently unable to walk and have been readmitted to the hospital, preventing me from mailing this information to the credit bureaus to show the date the validation was requested. The credit agencies requested the dates and proof of contact that I sent a validation request, and the response received ( if any ). This information can only be mailed, which I do not have access to due to XXXX. Please forward the documentation to all three credit agencies for immediate removal. The validation request has to be sent to the collection agency that owns the account and is servicing it. To cover all bases, I sent it to both. They are also aware that an arrest was made in Louisiana, and XXXX XXXX will not extradite due to the amount of the debt. My only option is to file a civil case. The two individuals who did have access to my home were hired to care for me and assist me with my injuries. They both vehemently deny allegations and would not cooperate with the investigation. 

I request a correction of this information on my XXXX, XXXX, and XXXX consumer reports and financial compensation. The bureaus only accept documents by mail, which I do not have access to. I have attached proof of the validation request, and I have the recordings ( I did not need permission because Georgia is a one-party state ) and every email. 


Debt Validation Requirement : The Fair Debt Collection Practices Act ( FDCPA ) and the CFPB 's Debt Collection Rule require debt collectors to provide consumers with specific information about the debt, known as " validation information ''.

Timeline for Providing Validation Information : Generally, this information should be provided in a written notice either as the initial communication or within five days of the debt collector 's first contact with the consumer.

Consequences of Failure to Validate : Ceasing Collection Activities : If a debt collector fails to validate a debt when requested to do so within the specified time frame, they must cease collection activities.

CFPB Enforcement Actions : The CFPB brings enforcement actions against companies that violate debt validation requirements, including failure to provide timely notices and mishandling disputes. 
Consumer Remedies : Consumers who are not provided timely debt validation or whose disputes are mishandled may be entitled to financial relief and potential lawsuits against the debt collector.

15 U.S.C. 1692g The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer In conclusion, I can not report something I am not aware of. As soon as I learned that my personal information was found on individuals in Louisiana and an arrest was made, I immediately contacted the police and filed a report. I also contacted the postal service and discovered that my mail was not being held because my address had been changed online. Additionally, my bank placed my account on hold after they were unable to verify my identity when they attempted to contact me by telephone, even though the call was from my actual cell phone number.

The law does not allow debt collectors to make assumptions ; they are required to provide proof of everything in the validation, which is attached. A simple letter stating the name of the original creditor and the balance is insufficient. I am not obligated to comply with your demands or be coerced into paying a debt that does not belong to me. Please also include all three credit agencies. 
Thank you for this prompt attention to this matter! 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX | XXXX XXXX

Company response to consumer: Closed with explanation