Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX, I sent the following records request to XXXX XXXX. Today, XX/XX/XXXX, I sent their defense law firm a request again. XXXX never provided the records request. I have a court mediation hearing about this on XX/XX/XXXX at XXXX XXXX. I told their attorney today, XX/XX/XXXX, that I would let the court know they have until XX/XX/XXXX to provide the records ; if not, on XX/XX/XXXX, I will inform the court about their refusal. 

The emails are XXXX, XXXX and XXXX RECORD REQUEST LETTER VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED AND ELECTRONIC TRANSMISSION Records Custodian Capital One Bank XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : REQUEST FOR PERSONAL ACCOUNT RECORDS To Whom It May Concern : I. INTRODUCTION AND IDENTIFICATION I, XXXX XXXX XXXX hereby submit this formal request for copies of all records pertaining to my accounts with Capital One Bank XXXX This request is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ), the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), and other applicable federal and state laws governing consumer financial records. 

For verification and identification purposes, I provide the following personal information : Full Legal Name : XXXX XXXX Current Mailing Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX Email Address : XXXX Telephone Number : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits of XXXX : XXXX Capital One Account Numbers : XXXX XXXX XXXX XXXX. RECORDS REQUESTED I hereby request complete and unredacted copies of all records, documents, and information related to the above-referenced accounts, including but not limited to : XXXX. Account Documentation : All account opening documents, applications, and agreements All account terms and conditions, including any amendments or modifications All security deposit documentation for secured credit card accounts All account closure documentation, if applicable 2. Transaction Records : Complete monthly account statements from XX/XX/XXXX, to the present All transaction histories showing purchases, payments, credits, debits, and adjustments All payment records, including payment methods, dates, and confirmation numbers All records of fees assessed, including late fees, annual fees, and other charges XXXX. Communication Records : All correspondence between myself and Capital One, including letters, emails, and documented phone calls All notes, memoranda, or records of conversations regarding my accounts All records of customer service interactions, including dates, times, representative names, and summaries XXXX Credit Reporting Information : All information provided to credit reporting agencies regarding my accounts All credit reports or credit information obtained by Capital One regarding my accounts All records of credit limit increases or decreases, including dates and justifications 5. Security Deposit Records : All documentation regarding security deposits for secured credit card accounts All records pertaining to the status, location, and disposition of security deposits All records regarding interest accrued on security deposits, if applicable All documentation regarding the return or application of security deposits 6. Collection Activities : All records of collection activities, if any All records of debt sales or transfers, if any All records of settlements or payment arrangements, if any 7. Account Management Records : All records of account status changes All records of address or contact information changes All records of authorized users, if any All records of fraud alerts, security freezes, or identity theft investigations, if any XXXX. Electronic Access Records : All records of online account access, including XXXX addresses and timestamps All records of mobile application access All records of electronic statements or notifications XXXX. FORMAT AND DELIVERY OF RECORDS Please provide the requested records in both electronic and paper formats as follows : XXXX. Electronic Format : All electronic records should be provided in PDF format Electronic records should be transmitted to my email address : XXXX If the file size exceeds email capacity, please provide a secure link for download or save the files to a XXXX XXXX or XXXX XXXX. Paper Format : All paper records should be legible, complete, and unredacted Paper records should be sent via certified mail to my address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX. TIMELINE AND EXPEDITED PROCESSING I respectfully request expedited processing of this request, with records to be provided within 5-10 business days of receipt of this letter. I request that you respond to this request no later than XXXX business days from the date of receipt, as is standard for similar requests under applicable laws. 

If you are unable to meet this timeline, please provide a written explanation for the delay and an estimated date by which the records will be provided. 

V. CERTIFICATION OF SEARCH EFFORTS I request that Capital One provide a detailed written certification of the search efforts undertaken to locate the requested records. This certification should include : 1. The specific databases, systems, and repositories searched 2. The search terms or parameters used 3. The time period covered by the search 4. The departments or divisions involved in the search 5. The names and titles of personnel who conducted the search XXXX. A detailed explanation of any records that could not be located or are no longer available XXXX. A description of any records that are being withheld and the specific legal basis for withholding VI. WITHHELD RECORDS If any records responsive to this request are withheld in whole or in part, I request that you provide : 1. A detailed description of each record or portion thereof withheld 2. The specific legal basis for withholding each record or portion thereof 3. An explanation of how the cited exemption or privilege applies to the specific record 4. A description of the process for appealing the decision to withhold records I do not authorize Capital One to redact personal information of other individuals that might appear in my records. 

XXXX. CONTACT INFORMATION FOR FOLLOW-UP If you have any questions or require additional information to process this request, please contact me using any of the following methods : Mail : XXXX XXXX XXXX Apt XXXX, XXXX, NV XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX. LEGAL COMPLIANCE AND RESERVATION OF RIGHTS This request is made pursuant to all applicable federal and state laws governing consumer financial records. Failure to comply with this request may constitute a violation of these laws and may subject Capital One to administrative, civil, or other legal remedies. 

I reserve all rights under federal and state law, including but not limited to the right to pursue administrative appeals and legal action to compel production of the requested records. 

XXXX. CONCLUSION Thank you for your prompt attention to this request. I look forward to receiving the requested records within the specified timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation