Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The FDCPA support is strong because their own notice identifies XXXX XXXX XXXX XXXX XXXX as a debt collector, and the FDCPA requires collection activity to stop after a timely written dispute until verification is mailed. The CFPB manual also confirms the consumers right to cease further communications, subject only to limited exceptions, and recognizes liability for FDCPA violations including actual damages, statutory damages, costs, and attorneys fees. -- - # # CFPB COMPLAINT DRAFT * * Against : * * XXXX XXXX XXXX XXXX XXXX * * Related Creditor : * * Capital One , N.A . * * Reference Number : * * CP XXXX * * Alleged Account Ending : * * XXXX * * Alleged Balance : * * {$2500.00} * * Date of Collection Notice : * * XX/XX/year> # # # Complaint Narrative I am filing this complaint against XXXX XXXX XXXX XXXX XXXX regarding a debt collection notice dated XX/XX/year>, reference number XXXX XXXX, concerning an alleged Capital One , N.A . account ending in XXXX with a claimed balance of {$2500.00}. The letter states on its face that XXXX XXXX XXXX XXXX XXXX is a debt collector and that it is attempting to collect a debt allegedly owed to Capital One , N.A . I dispute this alleged debt in full. I do not admit liability, ownership, accuracy, enforceability, or the legal status of this alleged account or balance. Pursuant to the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g, I am formally disputing the alleged debt and demanding full validation and verification before any further collection activity continues. XXXX XXXX XXXX XXXX XXXX must cease all collection activity on the disputed amount until it provides competent verification of the alleged debt, the legal authority to collect, the complete chain of title or assignment, and the name and address of the original creditor if different from the current creditor. I am also invoking my rights under 15 U.S.C. 1692c ( c ) and demanding that XXXX XXXX XXXX XXXX XXXX cease all further communications with me regarding this alleged debt, except for communications expressly permitted by law, including confirmation that collection efforts are terminated, notice of specific remedies that may be pursued, or transmission of lawful verification documents in response to this dispute. Any continued collection activity, phone calls, letters, reporting, threats, demands for payment, litigation threats, or contact outside the narrow statutory exceptions after receipt of this dispute and cease-communication notice will be treated as knowing and willful FDCPA violations. This matter is also a pre-litigation notice. Any further violations after receipt of this complaint and dispute will be preserved as evidence for claims under the FDCPA, including 15 U.S.C. 1692c, 1692d, 1692e, 1692f, and 1692g. If XXXX XXXX XXXX XXXX XXXX continues collection without first providing lawful verification, or if it misrepresents the character, amount, legal status, or enforceability of the alleged debt, I will seek all available remedies, including actual damages, statutory damages, costs, attorneys fees, and any other monetary relief available under law. # # # FDCPA Issues Raised XXXX XXXX XXXX XXXX XXXX is subject to the FDCPA because its own notice identifies it as a debt collector attempting to collect a consumer debt for Capital One , N.A . I dispute the alleged debt in full under 15 U.S.C. 1692g. Collection must stop until lawful verification is mailed. I demand no further communication under 15 U.S.C. 1692c ( c ), except the limited communications allowed by law. Any attempt to collect without proper verification may constitute unfair, deceptive, misleading, or abusive collection conduct under 15 U.S.C. 1692d, 1692e, and 1692f. Any false representation of the amount, character, legal status, ownership, assignment, or enforceability of the alleged debt may constitute a violation of 15 U.S.C. 1692e. I do not consent to continued collection activity on this disputed alleged debt. This complaint is submitted as a formal dispute, cease-communication demand, consumer protection complaint, and pre-litigation notice. XXXX XXXX XXXX XXXX XXXX is now on notice that any continued violation after receipt will be treated as willful and used to support monetary relief under the FDCPA and any other applicable consumer protection laws.

Company response to consumer: Closed with explanation