Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX Card ending in XXXX Consumer Financial Protection Bureau Case # : XXXX, XXXX, and XXXX I am submitting this rebuttal in response to the investigation findings provided by XXXX regarding the above-referenced account. First, XXXX response fails to address a critical inconsistency : this account has already been deleted from my XXXX credit report following an investigation. This indicates that the information could not be verified with reasonable accuracy. Despite this, XXXX continues to assert that the account is valid and continues reporting to other credit bureaus, resulting in inconsistent and unreliable credit reporting. Second, XXXX has failed to reconcile multiple conflicting balances associated with this account. My records reflect significantly different amounts at various points in time, including approximately {$6600.00} around XX/XX/year>, {$7000.00} as of XX/XX/year>, and {$7600.00} currently being reported. No itemized explanation has been provided to justify these increases. Additionally, XXXX states that the account was closed due to inability to verify identity. However, they now rely on internal activity records to assert ownership without explaining this contradiction or addressing why identity verification failed in the first place. I was not provided a meaningful opportunity to resolve or cure any alleged verification issues. XXXX response consists primarily of a summary of internal account activity rather than a reasonable investigation into the specific disputes raised. They did not explain how the balance was calculated, did not provide a full accounting, and did not address the discrepancies between billing statements and reported balances. Under the Fair Credit Reporting Act, all information furnished must be accurate, consistent, and verifiable. Given the deletion by XXXX, the unresolved balance discrepancies, and the lack of a clear and complete investigation, the continued reporting of this account is unreliable. I am requesting the following : 1. An explanation reconciling all reported balances ; 2. Clarification regarding the identity verification issue and why the account was closed for that reason. 3. Immediate deletion of any inaccurate or unverifiable information being reported to all credit bureaus. If XXXX is unable to fully verify this information with documentation, the account should be deleted from all credit reporting agencies. If this matter is not resolved and XXXX fails to provide a complete and verifiable accounting of the alleged balance, I will pursue all available remedies. This includes initiating arbitration as permitted under the Cardmember Agreement through the XXXX XXXX XXXX. I am prepared to assert claims related to inaccurate credit reporting, failure to conduct a reasonable investigation, and furnishing of inconsistent and unverifiable information. I would prefer to resolve this matter without escalation, but I am fully prepared to proceed if necessary.

Company response to consumer: Closed with explanation