Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Account Status : Closed / Written Off / Charged Off I am filing a formal complaint against Capital One Auto Finance regarding an auto loan account that was closed, written off, and charged off without Capital One providing the legally required notices, disclosures, or documentation. Capital One continues to report this account to the credit bureaus despite being unable to verify the information. 



Below is a summary of the violations. 

XXXX. No Required Notices Provided Before Charge-Off Capital One took adverse action on my account ( closing, charging off, and writing off the account ) without providing any of the required notices, including : Notice of Default Right to Cure Notice Account Closure Notice Adverse Action Notice ( required under ECOA, 15 U.S.C. 1691 ( d ) ) This violates state consumer protection laws, state retail installment statutes, and federal disclosure requirements. 

XXXX. No Accounting or Documentation Provided After the account was closed and charged off, Capital One failed to provide any documentation or accounting, including : Itemized balance breakdown Explanation of how the charged-off amount was calculated Required UCC 9-210 accounting details I have asked for documentation several times and received nothing. 

XXXX. UCC Article 9 Violations Capital One failed to comply with several UCC requirements relating to secured transactions, including : UCC 9-210 failure to provide an accounting of the alleged deficiency UCC 9-203 failure to show enforceability of the alleged remaining balance UCC 9-607 failure to act in a commercially reasonable manner 4. FCRA Reporting Violations Capital One is currently furnishing negative information to XXXX XXXX and XXXX that is unverified, inaccurate, and incomplete, violating : 15 U.S.C. 1681s-2 ( a ) duty to furnish accurate information 15 U.S.C. 1681s-2 ( b ) duty to investigate and correct disputed information 15 U.S.C. 1681e ( b ) requirement for maximum possible accuracy Capital One can not validate or verify the account because they never provided the notices or documentation required by law. 

XXXX. FDCPA & FACTA Violations If Capital One used any third-party collectors after the charge-off, those collectors violated : 15 U.S.C. 1692g no validation notice 1692e false or misleading representations 1692f unfair and unconscionable practices FACTA was also violated due to failure to provide required adverse reporting disclosures. 

XXXX. TILA / Regulation Z Violations Capital One did not provide mandatory disclosures required under : XXXX U.S.C. 1635 15 U.S.C. 1638 12 C.F.R. 1026 ( Regulation Z ) This includes disclosures related to account closure, adverse actions, and changes in credit terms. 

XXXX. UDAAP Violations ( Unfair, Deceptive, Abusive Acts & Practices ) Capital Ones actions constitute UDAAP violations under : 15 U.S.C. 45 ( FTC Act ) 12 U.S.C. 5531 & 5536 ( CFPB UDAAP Authority ) They closed, wrote off, and charged off the account without notices, without accounting, and while reporting unverifiable information, which is unfair, deceptive, and abusive. 





am requesting that the CFPB require Capital One Auto Finance to DELETE this account from my credit report. 



The account was closed, written off, and charged off without Capital One providing any of the legally required notices, including : Notice of Default Right to Cure Notice Adverse Action Notice Account Closure Notice Because these notices were never provided, Capital One can not legally validate or verify the account.

Capital One is reporting unverified, inaccurate, and incomplete information to the credit bureaus, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and XXXX XXXX reporting standards. 



Capital One has not provided : any documentation supporting the charge-off, any required disclosures, or any accounting of the alleged balance ( UCC 9-210 ). 



Since Capital One can not validate the account according to federal law, it must be deleted from XXXX XXXX and XXXX

Company response to consumer: Closed with explanation