Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Capital One XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attn : Compliance & Disputes Division RE : Formal Debt Validation & FCRA/FDCPA Violation Notice Successor by Merger to XXXX Bank Account Ending in XXXX XXXX XXXX Case No. XXXX To Whom It May Concern : This letter serves as a formal debt validation request under 15 U.S.C. 1692g and as a notice of ongoing credit reporting violations under 15 U.S.C. 1681s-2 ( b ). 
Capital OneXXXX XXXX is now identified as the alleged creditor by virtue of a claimed merger with XXXX Bank. However, neither XXXX Bank nor its counsel, XXXX XXXX XXXX XXXX XXXX XXXX, has ever provided the legally required validation, despite multiple written demands and CFPB complaints. As the successor-in-interest, Capital One bears full responsibility for curing these violations and producing complete, lawful validation. 
Statement Regarding Prior Debt Validation Responses Attached are the debt validation requests I previously sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their sole response was a generic account statement already produced in the lawsuit a document that is legally insufficient under the FDCPA. 
XXXX Bank has admitted in CFPB responses that no signed agreements exist for this account. Instead, they have relied on generic, non-executed cardmember agreements to allege the debt. 
Notably, XXXX Bank provided me with a completely different agreement in response to my CFPB complaint than the one submitted as an exhibit in the lawsuit, further undermining the authenticity and validity of their documentation. 
I. Debt Validation Demand I demand Capital One XXXX provide the following ; 1. Proof of Ownership & Standing Full chain of assignment, bill ( s ) of sale, merger documentation, or other records establishing Capital One, XXXX. as the current owner and real party in interest. 
2. Original Executed Agreement A signed copy of the credit card agreement allegedly entered into, not a generic or unrelated revision. 
3. Complete Account History & Itemization All statements and payment history showing principal, interest, fees, and charges making up the claimed balance.

4. Credit Reporting Records All data furnished to XXXX XXXX XXXX, and XXXX regarding this account, including dates, balances, and any changes made after disputes were filed. 
5. Disclosure of Collection Status Whether Capital One, XXXX. is acting as the original creditor or as a debt collector under the FDCPA. 
XXXX. Compliance Evidence Documentation showing compliance with venue requirements under XXXX5 U.S.C. 1692i ( a ) ( 2 ) and applicable state law.

II. FCRA/FDCPA Violations to Date 7. Continued Reporting Without Validation Reporting {$16000.00} as Charge-off despite pending disputes and no lawful validation.

8. Post-Dispute Updates Without Resolution Altering Date Updated without material change, suggesting possible re-aging in violation of Metro 2 guidelines. 
9. Misleading Creditor Identification Reporting solely as XXXX XXXX despite merger and creditor change. 
10. Incomplete Data Fields Omitting highest balance, date of first delinquency, and other required Metro 2 fields.

11. Improper Past Due Reporting Listing full charged-off balance as past due despite absence of validation.

12. Omission of Dispute Notations Failing to reflect required in dispute status in certain reporting periods.

III. Legal Authority Courts have consistently held that debt validation rights are re-triggered when a new entity claims ownership of a debt : Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) Walls v. United Collection Burea
u, 2002 WL 1066746 ( N.D. Ill. 2002 ) Freeman v. Erickson, 2007 WL 1338324 ( N.D. Ill. 2007 ) Johnson v. Midland Funding, 822 F.3d 1089 ( 9th Cir. 2016 ) Riddle v. Unifund CCR Partners, 298 F. Appx 554 ( 6th Cir. 2008 ) Failure to respond with complete documentation and to correct inaccurate reporting constitutes violations of FDCPA 1692e, 1692f, 1692g ( b ) and FCRA 623 ( a ), 623 ( b ).

Company response to consumer: Closed with explanation