Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I am filing this complaint regarding Capital Ones continued use of disputed and invalid address information in connection with an alleged account that is currently under active dispute. This account has caused substantial harm to my personal credit, business operations, and co-parenting relationship. 

On or around XX/XX/year>, a legal document ( a summons ) was improperly delivered to my ex-spouse at her address, despite that location ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT ) being disputed and not associated with me. I had previously submitted address corrections and disputes through Capital One and XXXX. My ex is not authorized to receive legal or financial documents on my behalf. 

I called the court on XX/XX/year>, and was informed that no complaint had been filed within the XXXX window required by Utah law XXXX This means even if that delivery were considered valid service which it is not the failure to file a complaint on time voids that attempt. 

Beyond that, the emotional burden was significant. I was forced to navigate the confusion and strain this caused with my ex-spouse, while maintaining a delicate co-parenting relationship involving XXXX minor children. This required time, emotional labor, and disrupted both my work and personal life. 

Despite all of this, Capital Ones legal agents XXXX XXXX XXXX and XXXX XXXX XXXX escalated the issue further. On XX/XX/year>, they emailed my ex again regarding legal service. I immediately responded to XXXX XXXX through their official contact form, informing them that both the email and address were incorrect and unauthorized for service. Later that same day, they proceeded to attempt service at my exs address anyway. This is not only inappropriate but borders on harassment. 

I notified XXXX XXXX a second time regarding their continued failure to respect the legal boundaries of proper service and my personal privacy. Nevertheless, a third attempt was made at that same location again targeting my ex-spouse. 

Despite my formal complaints being submitted to CFPB and the FTC on XX/XX/year> ( Complain ID XXXX ), XXXX XXXX XXXX again served a summons document to my ex on XX/XX/year>. This repeated and reckless conduct has caused : Emotional distress to myself and my ex Severe damage to our co-parenting relationship Reputational harm Business disruption and stress to my employees Invasion of privacy Continued credit damage from an unvalidated, actively disputed account This is a direct result of Capital Ones failure to verify their data and enforce proper collection protocols, especially after multiple dispute notices and direct communications were submitted. 

These actions violate : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) Utah Rules of Civil Procedure ( for proper service ) The fact that this debt is charged off and under active dispute further underscores that legal action and credit reporting based on known false data is illegal, unjust, and harmful.

Company response to consumer: Closed with non-monetary relief