Consumer complaint received 2026-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
FORMAL DATA INTEGRITY DISPUTE : ACCOUNT LEDGER CORRUPTION & SYSTEMIC REPORTING INACCURACIES CHRONOLOGY OF EVENTS : XX/XX/XXXX : Executed a Retail Installment Contract ( Contract # XXXX ) with Capital One Auto Finance for an Amount Financed of {$21000.00} over a strict contractual 72-month term at an Annual Percentage Rate ( APR ) of 14.51 %. XX/XX/XXXXXXXX : Following a repossession, Capital Ones internal digital ledger recorded a transaction line item for liquidation asset recovery designated as " Auction Proceeds Received '' in the amount of - {$3200.00}. XX/XX/XXXXXXXX : Capital One issued a formal, physical written " Explanation of Deficiency Calculation '' statement. This mailer explicitly states that the " Proceeds from sale of Collateral '' were {$3900.00}. This creates an unreconciled, immediate {$650.00} accounting conflict between the bank 's written consumer disclosures and its internal transactional system. The letter demanded a final deficiency balance of {$25000.00}. XX/XX/XXXXXXXX : Capital One 's internal ledger shows three consecutive " Waiver Adjustments '' applied to the account in the amounts of - {$7900.00}, - {$470.00}, and - {$130.00}, totaling an uncommunicated ledger reduction of - {$8500.00}. The consumer was never sent an updated, corrected physical statement accounting for these massive adjustments. XXXX XXXX : Capital Ones live online mobile banking platform shows the active balance ( " Today 's Payoff Amount '' ) is {$16000.00}. Simultaneously, Capital One is actively furnishing a severely inflated balance of {$25000.00} to national credit reporting agencies ( XXXX and XXXX ), resulting in an active {$8300.00} reporting variance between the banks internal database and public credit repositories. SUMMARY OF LEGAL AND SYSTEMIC COMPLIANCE VIOLATIONS : 1. Fair Credit Reporting Act ( FCRA ) Violation 15 U.S.C. 1681e ( b ) The creditor is actively publishing a debt balance of {$25000.00} to public credit repositories while their own internal consumer application shows an active payoff balance of {$16000.00}. Under the FCRA, data furnishers are strictly mandated to maintain " maximum possible accuracy. '' Furnishing an outdated, unreconciled balance that overstates a consumer 's debt by more than {$8300.00} is a severe, actionable violation of credit reporting integrity. 2. Uniform Commercial Code ( UCC ) Article 9 Non-Compliance Under UCC Article 9 ( governing post-repossession liquidations and deficiencies ), a secured creditor is legally required to provide a mathematically accurate, commercially reasonable calculation of asset liquidation proceeds. Capital One can not establish a legally valid deficiency balance because its own records are fundamentally flawed : it claims a {$3900.00} asset sale in writing while only crediting the transaction ledger {$3200.00}. This {$650.00} discrepancy invalidates the baseline calculation of the alleged deficiency. 3. Unilateral Contract Alteration While the original signed contract mandates a strict 72-month amortization term, Capital One 's live digital infrastructure tracks and calculates this loan under a 73-month term. A financial institution can not unilaterally extend the term structure of a signed consumer contract without explicit consent. This structural deviation invalidates the integrity of all subsequent interest calculations, payoff schedules, and demanded balances. 4. Severe Systemic Profile Corruption The severe data corruption and mismatched balances on this account have completely broken online automated identity verification channels through national clearinghouses ( such as XXXX ), locking out the consumer and forcing slow, archaic mail-in paper verification processes. REMEDY REQUESTED : Because Capital One Auto Finance has demonstrably failed to maintain a single, historically accurate, or mathematically reconciled ledger and has unilaterally altered the contractual term structure, the integrity of this debt is completely compromised. The creditor is incapable of proving a legally sound " Sum Certain. '' I demand that Capital One Auto Finance be ordered to immediately cease all collection activities, cease furnishing conflicting data, and permanently delete and block this entire trade line from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) to prevent ongoing consumer injury.

Company response to consumer: Closed with explanation