Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Capital One Representatives ( Repossession / Collections Department ), My name is XXXX XXXX, and I am writing with urgency regarding the vehicle XXXX XXXX XXXX, originally purchased on XX/XX/XXXX, through XXXX XXXX XXXX, XXXX, XXXX, under a contract signed by both myself and my husband, XXXX XXXX XXXX. 
On XX/XX/XXXX, while we were married, a refinance was processed with Capital One without my knowledge or consent. My husband, XXXX XXXX XXXX, executed this refinance fraudulently, removing his own name from the contract and leaving the debt solely under mine even though the vehicle was already underwater. This has caused me severe financial and emotional harm. 
I only became aware of this fraudulent refinance after the divorce proceedings had begun, when I started receiving collection calls from Capital One. During one of these calls, I informed the representative that they should contact XXXX, but I was told that was not possible since the account was under my name only. 
Upon reviewing the documents sent to me, I confirmed that the refinance had been completed online, using my Social Security Number and a forged digital signature, without my authorization. 
I hereby declare that I did not participate in, sign, or authorize this refinance in any way. 
Recently, I was informed that someone contacted Capital One requesting the repossession of the vehicle, which resulted in its removal without my knowledge or consent. 
The police officer responsible for the first report ( filed in XXXX, shortly after I received the contract ) contacted Capital One directly and was informed by the company that there was no copy of my Drivers License or any recent identification document on record. 
This clearly demonstrates that no legitimate identity verification or valid authorization was performed on my part. 
( A new police report regarding the repossession of the vehicle will be filed shortly. ) Following the officers formal guidance, I have not made and will not make any payments related to this debt until the fraud investigation is concluded. 
To support my position, I am attaching the following documents : Original vehicle contract ( XXXX ), signed by both parties ; Vehicle registration ; Marriage certificate ; Court order for the upcoming hearing scheduled for XX/XX/XXXX ; This vehicle is essential for my livelihood and for the care of my XXXX  son. I rely on it daily to take him to therapy, medical appointments, and other essential activities including a XXXX  appointment scheduled for XX/XX/XXXX. 
A court hearing is scheduled for XX/XX/XXXX, in which the ownership and responsibility for this debt will be formally reviewed. 
Therefore, I respectfully request the following actions : 1. Immediate correction of the refinancing contract, restoring the original XXXX agreement to include XXXX XXXX XXXX as a co-signer and joint legal debtor, as evidenced in the attached documents ; XXXX. XXXX. XXXX. XXXX. XXXX. Suspension of all collections, auctions, or enforcement actions in my name until a judicial decision is made ; Full identification of the person or entity who requested and authorized the repossession, including the date, time, phone number, reference number, and call recording ; Copies of any documents, recordings, or authorizations used to justify this action ; Detailed breakdown of the current debt, with all charges and fees itemized ; 6. Confirmation of the vehicles current location and an inventory of my personal belongings contained within it ; Written acknowledgment of receipt of this communication within 48 hours. 
If the vehicle is auctioned before the courts decision, I formally request that Capital One remove my liability for this debt or reinstate the original contract with both parties names, as the fraud is under active investigation and has been officially reported to law enforcement. 
Please be aware that any attempt to contact me for payment or personal information regarding this account should be considered suspicious. This letter serves as a formal dispute of the debt and the circumstances leading to the vehicles repossession. 
I trust that Capital One will stand on the side of fairness and truth, and will act promptly to correct this injustice. 
I look forward to your written response and documentation confirming receipt of this message and the requested information.

Company response to consumer: Closed with explanation