Consumer complaint received 2025-09-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX PHONE XXXX | XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX Re : Account Number : XXXX Original Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Seller : CAPITAL ONE, N.A.

Original Creditor : CAPITAL ONE, N.A.

Charge-Off Creditor : CAPITAL ONE, N.A. 
Creditor To Whom Debt is Owed : XXXX XXXX XXXX XXXX XXXX XXXX : {$640.00} Dear XXXXXXXX XXXX XXXXXXXX : Your account was purchased from CAPITAL ONE, N.A. on XX/XX/XXXX. At that time, a letter was sent to you notifying you that XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ) had purchased this account. 

This letter serves as an additional courtesy notification regarding the purchase of this account. 

Please call us immediately toll free at XXXX to make payment arrangements. Our hours of operation are Mon. to Thurs. 8am - 11pm, Fri. 8am - 11pm, Sat. 8am - 7pm, Sun. 11am - 10pm ( ET ). 

Please make all checks payable to XXXX XXXX XXXX XXXX XXXX and send all payments to the following address : XXXX XXXX XXXX XXXX XXXX, XXXX. Box XXXX XXXX, VA XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Representative This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 

Click here to opt out of further emails to this email address. 


This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 


MAKE ALL CHECKS PAYABLE TO : XXXX XXXX XXXX XXXX XXXX SEND ALL PAYMENTS TO : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, VA XXXX HOURS OF OPERATION : Mon. to Thurs. 8am - 11pm, Fri. 8am - 11pm, Sat. 8am - 7pm, Sun. 11am - 10pm ( ET ) FOR THE HEARING IMPAIRED : XXXX : XXXX COMPANY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Call XXXX or write to : ATTN : Disputes, XXXX XXXX XXXX XXXX XXXX, XXXX Corporate XXXX XXXX XXXX, VA XXXX XXXX E-MAIL ADDRESS : XXXX QUALITY SERVICE AVAILABLE Mon. Fri. 8 AM to 6 PM ( ET ) Not happy with the way you were treated? Our company strives to provide professional and courteous service to all our customers. Contact one of our staff to discuss issues related to our quality of service to you by phone at XXXX or by e-mail at XXXX. 

XXXX ID : XXXX NOTICE : We are required under state law to notify consumers of the following rights. This list does not include a complete list of rights consumers have under state and federal laws : XXXX  : License number XXXX. 

XXXX : Office located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Telephone XXXX. 

XXXX XXXX XXXX number at licensed location is XXXX. Hours of operation at licensed location are Mon. to Thurs. 8am - 11pm, Fri. 8am - 11pm, Sat. 8am - 7pm, Sun. 11am - 10pm ( ET ). 

MASSACHUSETTS : NOTICE OF IMPORTANT RIGHTS : You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I

Company response to consumer: Closed with non-monetary relief