Consumer complaint received 2025-06-05 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: MD

Complaint narrative:
Subject : Demand for Full Legal Validation of Alleged Debt Chain of Assignment & Deceptive Practices Re : Alleged Debt Account [ Last 4 : XXXX ] To Whom It May Concern : This letter is a formal and final demand under multiple federal and state consumer protection laws for immediate legal validation of the debt you claim I owe. Despite numerous previous disputes and regulatory complaints, you have repeatedly responded with nothing more than recycled billing statements and incomplete summaries which do not constitute validation under federal law.

Your Current Practices Are Deceptive and Non-Compliant The continual mailing of non-authentic, non-binding statementswithout legal evidence of ownership or transferdemonstrates a willful pattern of deception in violation of consumer law.

You are engaging in misrepresentation of authority, a form of unfair collection practice under : 15 U.S.C. 1692e ( False or misleading representations ) 15 U.S.C. 1692f ( Unfair or unconscionable means ) 15 U.S.C. 1692g ( b ) ( Failure to cease collection without validation ) 15 U.S.C. 1681s-2 ( a ) and ( b ) ( Furnisher responsibilities under FCRA ) You are also potentially violating state and federal consumer protection laws, including : Maryland Consumer Protection Act ( Md. Code, Commercial Law 13-301 et seq. ) FDCPA, 15 U.S.C. 1692e, 1692f, 1692g FCRA, 15 U.S.C. 1681s-2 ( a ) and ( b ) CFPB UDAAP Rule ( Unfair, Deceptive, or Abusive Acts or Practices ) Legal Precedent Is Clear In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX  ), the court ruled against a collector who failed to provide a valid chain of title showing ownership of the debt. The court held : A mere reference to past account numbers and billing history does not establish legal authority to collect. 
This mirrors your conduct you have not provided : A copy of the original signed agreement A complete chain of assignment from the original creditor to XXXX and XXXX  Any legally binding proof of purchase or ownership of the alleged debt Instead, you continue to send generic summaries, misleading documents, and non-validated printouts which is not legally sufficient, and frankly, insulting. 
Demand for Immediate Action You are hereby given XXXX final opportunity to produce complete legal validation, including : XXXX. The original signed agreement bearing my name, XXXX. A clear, unbroken chain of assignment with dates, legal entities, and executed agreements, XXXX. All documents showing your legal right to collect or report this alleged debt. 
If you can not provide the above within 30 days, I demand : Immediate cease of all collection activity, Full removal of any reporting to any credit bureau, and Written confirmation that you are withdrawing all claims.

Failure to comply may result in : Additional filings with state and federal regulators, An independent FDCPA/FCRA claim, And possible damages under 15 U.S.C. 1692k for willful noncompliance.

Final Notice This is not a refusal to pay, but a lawful and protected demand for truth and proof. I am asserting my full rights under the FDCPA, FCRA, and state consumer laws. Your continued deception will no longer go unchallenged. 
Sincerely, All Rights Reserved XXXX XXXX

Company response to consumer: Closed with explanation