Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX is reporting and attempting to collect an alleged consumer debt that I dispute. The pattern of conduct includes deceptive credit reporting and unauthorized third-party communications by XXXX 's XXXX vendors directed at my mother. I am requesting CFPB review. XXXX XXXX XXXX purchased my Capital One Walmart Rewards Card account ending XXXX on XX/XX/XXXX. Capital One Recovery and Account Services confirmed the sale date and the charge-off amount of {$450.00} directly to me on a recorded customer service call on XX/XX/XXXX. Capital One also confirmed the charge-off date as XX/XX/XXXX and the last payment date as XX/XX/XXXX. Account XXXX was able to confirm the last payment date but unable to retrieve the last payment amount. From XX/XX/XXXX through XX/XX/XXXX, more than XXXX years, XXXX did not report this tradeline on any of my credit reports. My XX/XX/XXXX Equifax credit report confirms XXXX was not reporting this account during that period. XXXX also did not send me any demand letter, account statement, payment portal access, or any other means to pay or dispute the alleged debt during that two-year window. I had no way to know XXXX held the alleged debt, and no way to pay it even if I had wanted to. In XX/XX/XXXX, more than XXXX years after XXXX 's XX/XX/XXXX acquisition, XXXX first began reporting the disputed tradeline on my credit reports. My XX/XX/XXXX XXXX credit report shows the XXXX XXXX with Date Opened XX/XX/XXXX, Date Updated XX/XX/XXXX, High Balance {$450.00}, and Estimated Removal Date XX/XX/XXXX. The tradeline displays " Invalid date, Invalid date '' in the dispute classification metadata, indicating XXXX failed to populate required XXXX XXXX date fields including the Date of First Delinquency. The tradeline shows " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' under both current and previous classifications, indicating multiple prior disputes that XXXX verified without conducting reasonable investigations as required under 15 U.S.C. Section 1681s-2 ( b ). On XX/XX/XXXX, XXXX XXXX ( acting on behalf of XXXX ) emailed me about the alleged XXXX Rewards account, identifying original creditor Capital One N.A., current creditor XXXX XXXX XXXX, brand Walmart Rewards Card, XXXX reference XXXX, and balance {$450.00}. This was the first direct collection contact I received from any party in the XXXX network in more than XXXX and a half years since XXXX 's acquisition. Notably, XXXX already had my direct contact information on file from a prior, unrelated engagement. In XX/XX/XXXX, XXXX had handled a different account on behalf of XXXX XXXX XXXX XXXX ( a separate debt buyer, original creditor XXXX, Unifin reference XXXX ), which I resolved with XXXX through a {$700.00} full and final compromise payment on XX/XX/XXXX. Through that prior engagement, XXXX had my full direct contact information, including my address at XXXX XXXX XXXX XXXX in XXXX and my direct contact channels. Approximately XXXX month after XXXX 's XX/XX/XXXX email to me regarding the XXXX XXXX account, in XX/XX/XXXX, XXXX XXXX XXXX XXXX ( a separate collection vendor working with LVNV ) sent an SMS text message from XXXX XXXX to my mother 's mobile telephone in XXXX York. My mother is not me. She is a separate individual, XXXX XXXX XXXXXXXX in the United States XXXX holding the rank of XXXX. At the time the text was received, she was in a sensitive military pre-deployment status. The text disclosed to my mother that XXXX XXXX was collecting on a Capital One Walmart Rewards Card with current creditor XXXX XXXX XXXX. The text directed her to a XXXX portal link. The disclosure to my mother violated 15 U.S.C. Section 1692c ( b ) of the Fair Debt Collection Practices Act. Third-party disclosure of consumer debt information is prohibited except for limited location-information purposes, with prior consumer consent, with court permission, or to effectuate a post-judgment remedy. None of those exceptions applied. XXXX 's collection chain already had my direct contact information through XXXX ( which had emailed me on XX/XX/XXXX ) and through XXXX 's prior XXXX file on me. There was no operational need to skip-trace and contact my mother. The decision to escalate from direct contact with the consumer to third-party pressure on the consumer 's family member, when direct contact information was already in hand, is precisely the harassment conduct FDCPA Section XXXX prohibits. The aggravating circumstance is that my mother was in a sensitive military pre-deployment status at the time, creating significant family disruption during a period when she had heightened operational obligations. On XX/XX/XXXX, Capital One denied my credit line increase request on a separate active Capital One credit card account, citing " XXXX XXXX XXXX XXXX has reported a recent credit delinquency. '' The denial letter named Equifax as the credit reporting agency relied on. The XXXX tradeline is the only collection account on my XXXX credit file matching the description of " recent credit delinquency. '' The disputed XXXX tradeline therefore directly caused a documented adverse action against me on XX/XX/XXXX, which is concrete economic injury attributable to the disputed reporting. Additional context relevant to the underlying accuracy of any data XXXX holds on this account : the alleged debt originates from a Capital One Walmart Rewards Card account that was being serviced during the period when Capital One was the defendant in XXXX XXXX XXXX Capital One National Association, Case No. XXXX, United States XXXX XXXX for XXXX XXXX XXXX XXXX XXXX York XXXX before XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, XXXX XXXX granted summary judgment finding that Capital One had repeatedly failed customer service standards on the Walmart Rewards Card portfolio, including failure to timely post transactions and failure to timely replace lost cards. The XX/XX/XXXX sale of my account to LVNV occurred during that period of judicially documented Capital One systemic servicing failures. Any account-level data Capital One transferred to XXXX during that window is presumptively unreliable. Attached : XXXX ( XXXX ) .pdf : " XX/XX/XXXX Experian credit report. XXXX Walmart Rewards tradeline does not appear, confirming XXXX was not reporting this account on my credit file during this period, despite XXXX having acquired the alleged debt on XX/XX/XXXX. '' Personal Annual Credit Report - Experian.pdf : " XXXX Experian credit report showing the XXXX XXXX XXXX tradeline. The report notes 'Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) ' under both current and previous classifications, indicating prior disputes that XXXX verified without substantive investigation. '' XXXX : " XXXX Equifax credit report showing the XXXX XXXX XXXX tradeline. This is the bureau Capital One named as the source for its XX/XX/XXXX adverse action against me. '' XXXX : " Screenshot of SMS text message from XXXX XXXX sent by XXXX XXXX XXXX to my mother in XXXXXXXX XXXX. The text discloses original creditor Capital One, debt buyer XXXX XXXX XXXX, and account type XXXX XXXX XXXX. My mother is a separate individual, a XXXX XXXX in the United States XXXX holding the rank of XXXX, and was in pre-deployment status when contacted. This is the unauthorized third-party disclosure described in the complaint narrative. ''

Company response to consumer: Closed with explanation