Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Here is a strong, formal complaint letter you can submit directly to the Consumer Financial Protection Bureau ( consumerfinance.gov ). This is written in a clear, legally grounded tone to get attention and action : CFPB Complaint Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Re : Complaint Against XXXX XXXX Unauthorized Billing and Improper Credit Reporting Dear Sir or Madam, I am submitting this formal complaint regarding ongoing unauthorized billing practices and improper credit reporting by XXXX XXXX XXXX XXXX related to a membership account opened in XXXX. In XXXX, while visiting Texas, I purchased memberships for my family with the intent of potentially relocating. Prior to the renewal period that same year, I notified XXXX XXXX that I wished to cancel all memberships, as we had decided not to move forward with relocation and had no further use for the service. Despite my cancellation request, XXXX XXXX continued to bill my account. In XXXX, upon noticing continued charges, I again contacted the company both in writing and by phone, explicitly requesting closure of the account. I requested confirmation and provided my contact information for follow-up. No effective action was taken. Unbeknownst to me, these charges continued for several years. In XXXX, I discovered the ongoing billing and was forced to close my credit card account with XXXX XXXX XXXX after disputing the charges. While the charges were initially removed, they were later reinstated following what I believe to be an inadequate investigation. Furthermore, this account is still being reported on my credit profile despite the passage of time exceeding XXXX years from the original dispute and delinquency period. This raises serious concerns under the Fair Credit Reporting Act, which governs the accuracy and duration of credit reporting. I contend the following : I made multiple good-faith attempts to cancel this membership beginning in XXXX. Continued billing after cancellation constitutes unauthorized charges. The prolonged reporting of this account appears to exceed permissible time limits or reflects inaccurate account status. The merchant has failed to provide adequate proof of continued authorization. Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau : Investigate XXXX XXXX XXXX XXXX billing and cancellation practices. Require XXXX XXXX to provide documented proof of authorization for all charges after my cancellation requests. Ensure the immediate removal of any inaccurate or outdated information from my credit reports. Prevent further collection or reporting activity related to this disputed account. This matter has caused significant financial harm and distress over several years. I am seeking a fair resolution and accountability for what appears to be negligent or improper business practices. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation