Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Statement Regarding Harassment, Privacy Violation, and Unlawful Conduct by an Unknown Individual Allegedly Acting on Behalf of a Law Firm I, XXXX XXXX, am writing to formally report and document a serious incident that has impacted my family and violated our rights under federal law. 

On XX/XX/year>, at approximately XXXX AM, an unidentified individual arrived at my home, acting in an intimidating and unauthorized manner. This individual, who claimed to have documents for me, refused to identify herself, and attempted to force my husband to accept legal papers by pressuring and XXXX  him. When my husband informed her that I was not home and currently at work, she responded aggressively, stating that she would call the police if he did not receive the documents. 

She then appeared to make a call in front of him, claiming to contact the authorities. However, no law enforcement arrived at our property. The entire incident was recorded by our security camera system and is available for review. 

What is most distressing is that this person : Entered our private driveway without consent, Honked repeatedly in an aggressive manner, Knocked forcefully on our door, And ultimately left sensitive legal documents containing personal information openly taped to the front door of our home, where it was visible to anyone passing by. 

This XXXX  event has caused significant emotional distress to me, my husband, and our children. We now live in fear that unknown individuals XXXX return to our home. The lack of transparency, the threats, and the exposure of sensitive documentation in public view have deeply impacted our sense of safety and privacy. 

This behavior constitutes a violation of the following federal laws : XXXX XXXX XXXX XXXX ( FDCPA ) Prohibits XXXX, XXXX, or XXXX  in the collection of debts. 

XXXX XXXX XXXX XXXX ( XXXX ) Requires clear identification of the debt XXXX identity and purpose. 

XXXX XXXX XXXX XXXX ( b ) Prohibits XXXX disclosure and public exposure of sensitive debt-related information. 

United States XXXX XXXX XXXX Protects individuals from unwarranted intrusion and trespassing on private property. 

We respectfully ask that our familys privacy be respected, and that no further attempts to contact us be made in person, at our home, or through any XXXX  XXXX. If any documentation needs to be delivered, it must be placed only inside our mailbox and sent by mail or email in accordance with the law. 

This is a formal notice to cease and desist all in-person communication attempts, and to communicate only through official written channels from now on. Any further violation will be documented and reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and local law enforcement. 

My family deserves to live peacefully in our home without XXXX  or XXXX. This was a disgraceful and unlawful incident, and we request that it never happen again. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief