Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CT, XXXX XXXXXXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau / Office of the Comptroller of the Currency Ombudsman, XXXX XXXX XXXX XXXX Washington , DC XXXX Dear CFPB / OCC Ombudsman, I am writing to formally lodge a complaint against Capital One Auto Finance for numerous violations of my civil rights and other legal infractions. Capital One Auto Finance has consistently failed to update my address in their records, an omission that has resulted in persistent miscommunication and confusion. Despite my repeated attempts to rectify this issue, the company has yet to ensure that my correct address is accurately reflected in all their documents, leading to further complications in correspondence. 

There is a pattern of behavior from Capital One Auto Finance that demonstrates a deliberate conspiracy with their legal associates to violate my rights. The actions of XXXX XXXX XXXX and the legal department suggest an orchestrated effort to withhold my vehicle title illegally and to manipulate documentation without my consent, specifically extensions for which I never provided acknowledgment or signature. 

In addition, Capital One Auto Finance has discriminated against my XXXX. I have experienced ridicule and a lack of accommodation, which contravenes provisions established under the Americans with Disabilities Act. This behavior is not only demeaning but also illegal, as it undermines the basic principle of equality and non-discrimination that should govern their interactions with all consumers. 

Capital One Auto Finance has failed to uphold its contractual obligations by not providing me with accurate payment history documentation on several occasions. This lack of transparency has prevented me from verifying my records and addressing any discrepancies. Furthermore, Capital One Auto Finance has defrauded the Consumer Financial Protection Bureau by submitting false statements. This act compromises the integrity of the information relied upon by regulatory bodies and is a grave violation of trust. 

Capital One Auto Finance has also submitted false information to various credit bureaus, resulting in unfair harm to my credit standing and financial reputation. This misinformation has complicated my ability to secure financial services, adversely affecting my financial stability. 

Moreover, I believe that Capital One Auto Finance has retaliated against me due to past grievances I have raised. This retaliatory conduct is fundamentally detrimental to the trust and cooperation expected in a customer-company relationship. 

I urge the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency to investigate these serious allegations thoroughly. I am seeking remediation for the violations of my rights and the unwarranted distress caused by Capital One Auto Finance 's actions. I believe it is imperative for your respected office to intervene, ensuring that such violations do not continue unabated. 

Thank you for your attention to these matters. I look forward to your prompt response and the necessary actions to rectify these injustices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation