Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
b'XXXX XXXX XXXX XXXX ("XXXX"), through its collection counsel XXXX XXXX XXXX, is attempting to collect an alleged debt of $XXXX. XXXX claims this alleged debt originated with Capital One, N.A. as an account ending XXXX. The XXXX reference number is XXXX.\n\nOn XX/XX/XXXX, I mailed XXXX a written dispute letter by USPS certified mail. The letter set forth twelve specific validation demands under 15 U.S.C. 1692g and 12 C.F.R. 1006.34 (Regulation F), including: (1) verification the alleged debt is valid; (2) original creditor name and address; (3) a signed cardholder agreement; (4) complete account statements from origination; (5) itemization of the alleged $XXXX balance; (6) the date of first delinquency; (7) chain of title and bill of sale from Capital One, N.A. to XXXX; (8) proof of assignment of the specific alleged account; (9) legal authority for interest and fee accrual on an alleged charged-off account; (10) Utah licensing or registration proof; (11) attorney-review verification under 15 U.S.C. 1692e(3); and (12) the consumer rights notice.\n\nXXXX responded on XX/XX/XXXXwith a form letter and a single month\'s account statement. That response left ten of the twelve specific validation demands entirely unaddressed. It did not include the cardholder agreement, chain of title, bill of sale, itemization, licensing proof, or attorney-review verification.\n\nOn XX/XX/XXXX, I mailed a follow-up insufficiency letter by USPS certified mail to XXXX XXXX XXXX (tracking XXXX XXXX XXXX XXXX XXXX XXXX) and to XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX (tracking XXXX XXXX XXXX XXXX XXXX XXXX). Both letters were delivered.\n\nAs of today, XX/XX/XXXX, thirty-six days have passed since the XX/XX/XXXXinsufficiency letter. Neither XXXX nor XXXX XXXX has provided the validation information specifically demanded. Under 15 U.S.C. 1692g(b), a debt collector "shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt . . . and a copy of such verification . . . is mailed to the consumer." Silence is not verification.\n\nDuring that same period, interest of $XXXX has continued to accrue on the alleged charged-off balance (from $XXXX to $XXXX), which raises a potential 15 U.S.C. 1692f(1) violation collection of an amount not authorized by the agreement creating the alleged debt or permitted by law.\n\nSeparately, Capital One, N.A. the original alleged creditor sent me electronic notifications titled "you\'re current on an account" on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, three consecutive days. Capital One also sent a letter dated XX/XX/XXXX referencing an account ending XXXX (not the alleged XXXX account ending XXXX). Capital One\'s own records appear inconsistent with XXXX representation that the alleged account ending XXXX was charged off and sold to XXXX.\n\nXXXX has been the subject of two prior CFPB consent orders a $XXXX XXXX order in XXXX and a $XXXX XXXX order in XXXX both addressing inadequate validation and false representations regarding consumer debts. The conduct described in this complaint follows the same pattern.\n\nI am concurrently filing formal FCRA 1681i disputes with XXXX, XXXX, and XXXX, and I have sent litigation-hold preservation letters to XXXX, XXXX XXXX XXXX, and Capital One, N.A.\n\nThe alleged debt remains formally disputed. It has been disputed continuously sinceXX/XX/XXXX. XXXX has not provided adequate validation. Despite that, XXXX and XXXX XXXX XXXX have continued collection activity.'

Company response to consumer: Closed with non-monetary relief