Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This correspondence serves as a formal dispute of the alleged debt associated with your recent collection communications. I have received two separate letters from Capital One referencing materially conflicting balances : {$9800.00} {$10000.00} No substantiated ledger, invoice, or validation has ever been provided. 

Additionally, I have not used this account since XX/XX/XXXX, and the last communication regarding the account was XX/XX/XXXX under XXXX XXXX. XXXX. I now formally invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S.C. 1692g ( b ), to demand full validation and verification of the debt before any further collection or reporting activity is permitted. 

REQUESTED VALIDATION DOCUMENTS : Full itemized accounting of the alleged debt A copy of the original contract bearing my signature Proof of legal assignment or ownership of the debt Name and address of the original creditor Copy of the Form 1099-C filed with the IRS, if applicable Identity of the authorized agent or trustee who issued the discharge ( 1099-C ) Any documentation proving that this debt remains legally enforceable after cancellation CANCELLED DEBT 1099-C AND LEGAL PRECEDENT It has come to my attention that Capital One issued a Form 1099-C , indicating this account was canceled and reported to the IRS as income under Internal Revenue Code 6050P . When a creditor reports a 1099-C, it is a formal discharge of the debt, and the creditor has waived its legal right to enforce collection. 

Attempts to collect on a canceled debt violate both IRS rules and FDCPA 1692e, which prohibits misleading representations about a debts enforceability. 

SUPPORTING CASE LAW & CONSUMER CLAIMS : In re : XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Facts : Creditor issued a 1099-C, then attempted to collect the same debt. 

Claim : Consumer asserted false representation under 15 U.S.C. 1692e ( 2 ) ( A ) Outcome : Court held that a 1099-C may indicate intent to forgive the debt, and that collection after cancellation can violate FDCPA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Claim : Violation of FDCPA when creditor continued to report and collect discharged debt Result : FDCPA applies to post-discharge collections where misrepresentation is made XXXX XXXXXXXX XXXX. IRS ( Rev. Rul. 2008-1 ) IRS Clarification : The filing of a 1099-C indicates the debt was canceled, triggering taxable income to the consumer. It also implies the debt is no longer collectible unless rescinded in writing ( which must also be provided ). 

SUMMARY OF VIOLATIONS CLAIMED : 15 U.S.C. 1692g ( b ) failure to provide validation upon request 15 U.S.C. 1692e ( 2 ) ( A ) false representation of the amount, character, and legal status of debt 15 U.S.C. 1692e ( 8 ) failure to mark debt as " disputed '' with CRAs IRS Code 6050P debt canceled and reported, thus extinguished as a liability NOTICE TO CEASE COLLECTION UNTIL VALIDATION IS PROVIDED You are legally prohibited from any further attempts to collect or report this alleged debt until full validation is furnished. If validation is not provided within 30 days, I will treat the matter as resolved in my favor and pursue one or more of the following : File complaints with the Consumer Financial Protection Bureau ( CFPB ) Notify the Internal Revenue Service regarding double enforcement on discharged income Initiate private right of action under 15 U.S.C. 1692k for statutory damages Sincerely, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief