Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
REBUTTAL TO COMPANY RESPONSE CFPB Complaint No. : XXXX Submitted by : XXXX : XXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Texas ( XXXX XXXX XXXX XXXX XXXX XXXX I. PURPOSE OF THIS REBUTTAL This submission responds to the companys XX/XX/year>XXXX correspondence and is made to document that the response provided does not address the material issues raised, and therefore does not constitute a reasonable investigation or substantive response within the meaning of applicable federal law. II. FAILURE TO ADDRESS MATERIAL DISPUTES The companys response relies primarily on generalized statements regarding credit reporting obligations and does not address the specific and material facts presented in my complaint and supporting affidavit. The following issues remain unanswered and unrebutted : Contract Formation / Consummation Vehicle delivery occurred prior to finalized lender approval. A Notice of Adverse Action was issued after delivery. No revised agreement or disclosures were executed after the adverse action. These facts directly implicate whether a lawful and enforceable obligation was ever formed under : 15 U.S.C. 1638 ( Truth in Lending Act ) 12 C.F.R. 1026.17 and 1026.2 ( a ) ( 13 ) ( Regulation Z consummation ) Failure to Address Disclosure Timing and Accuracy No evidence has been provided demonstrating that required TILA disclosures were accurate and provided prior to consummation. No explanation has been provided regarding how APR, finance charge, and payment terms remained compliant despite post-delivery changes and delayed approval. Failure to Address Security Interest Attachment The response does not address whether a valid and enforceable obligation exists sufficient to support attachment under : UCC 9-203 Texas Business & Commerce Code 9.203 A security interest can not attach absent : a valid obligation, debtor rights in the collateral, and satisfaction of attachment requirements. No documentation has been provided demonstrating lawful attachment. Failure to Address Add-On Products and Finance Charges The inclusion of add-on products ( service contract, maintenance plan, etc. ) was not addressed. No documentation was provided demonstrating : that such products were optional, or that their inclusion complied with TILA finance charge disclosure requirements ( 15 U.S.C. 1605 ). Failure to Address Credit Reporting Accuracy The company asserts accuracy but does not address : disputes concerning the existence and enforceability of the underlying obligation, inconsistencies related to vehicle return, account restructuring, and reporting status. Under 15 U.S.C. 1681s-2 ( b ), a furnisher must conduct a reasonable investigation, not merely assert accuracy. III. DEFICIENCY OF THE COMPANYS RESPONSE The companys response : avoids the core issue of whether a legally enforceable obligation exists, relies on generalized legal statements unrelated to the disputed facts, fails to provide documentary evidence supporting its conclusions, and does not reflect a reasonable investigation of the specific issues raised. As such, the response should be considered non-responsive to the material disputes presented. IV. REQUEST FOR REGULATORY CONSIDERATION This matter presents potential violations of : Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) Regulation Z ( 12 C.F.R. Part 1026 ) Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Consumer Financial Protection Act ( 12 U.S.C. 55315536, UDAAP ) The pattern reflected in the companys response raises concerns regarding : failure to conduct a reasonable investigation, reliance on post hoc justifications instead of addressing formation defects, and continued furnishing of disputed information without resolving underlying validity. V. CONCLUSION The company has not addressed the material facts presented and has failed to provide a substantive response. This rebuttal is submitted to ensure the record accurately reflects that : the dispute remains unresolved, the material issues remain unrebutted, and the company has not demonstrated that a lawful and enforceable obligation exists. All rights are expressly reserved. Submitted by : XXXX XXXX XXXX

Company response to consumer: Closed with explanation