Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did not and will not agree to have my private, sensitive information sold or shared with a third-party company ; therefore, the debt doesn't belong to me. The Collection Agencies must be DELETED from reporting to ALL Private Credit Bureaus, ASAP. 

XXXX XXXX XXXX Capital One XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute and Debt Validation Request- XXXX XXXX XXXX Capital One. 

Dear XXXX XXXX XXXX, This letter is to formally dispute the alleged debt you are attempting to collect, purportedly purchased from XXXX XXXX XXXX : Capital One, Account Number- XXXX. I am requesting full validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

I am aware that you have acquired this alleged debt from XXXX XXXX. However, I have no contractual agreement, either verbal or written, with XXXX XXXX XXXX Capital One, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Therefore, I consider this debt to be null and void. Pursuant to 15 U.S.C. 1692g, I am requesting the following documentation to validate this alleged debt : A complete and detailed payment history for this account. 

This must include all payments, credits, and debits from the original date of the account 's inception with Capital One 's accounts. A copy of the original signed contract bearing my signature that I allegedly entered into with Capital One 's accounts. This is necessary to verify the legitimacy of the debt and my agreement to its terms. 

Confirmation of whether any insurance claims have been filed or paid regarding this debt. If such claims exist, please provide documentation. A complete chain of title demonstrating your legal right to collect on this debt. This must include documentation showing the transfer of the debt from Capital One. In addition to the debt validation requests outlined above, I demand that XXXX XXXX XXXX immediately cease reporting this account to all credit reporting agencies. 

Furthermore, should you be unable to validate this debt as requested, I demand that you immediately notify all credit reporting agencies to which you have reported this account and request that they delete all information related to this account from my credit reports. Please be advised that under 15 U.S.C. 1692g, if you fail to provide the requested validation within 30 days of receipt of this letter, you must cease all collection activities.

Furthermore, the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 U.S.C. 1692e ( Prohibited Debt Collection Practices ) : This section lists specific practices that are prohibited, such as misrepresenting the nature or amount of the debt or using false or misleading representations. Additionally, pursuant to 15 U.S.C. 1692c, this letter serves as formal notification that I refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter.

Please provide all requested documentation to the address listed above. I expect your prompt attention to this matter.

Company response to consumer: Closed with explanation