Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I am requesting the CFPBs assistance in determining whether Capital One continued contacting me or receiving creditrelated information after they reported an account under my personal information as charged off. I am seeking clarification on whether Capital One continued accessing or monitoring my credit information after the reported chargeoff date, and if so, what the legal basis was for doing so. I am not making any assumptions. I am asking Capital One to confirm or deny specific activity and provide documentation. Details of the Complaint Capital One reported an account under my personal information as charged off ; I am seeking clarification regarding their continued communications afterward. My understanding is that once an account is reported as charged off, transferred, or sold, the creditor no longer maintains an active customer relationship and therefore no longer has a permissible purpose under the Fair Credit Reporting Act ( FCRA ) to access or monitor a consumers credit file unless a new, legally valid purpose exists. Despite this, I continued receiving communications from Capital Ones CreditWise service after the reported chargeoff date. These communications appeared to reference changes to my credit information, including alerts related to my XXXX XXXX XXXX credit reports. I am not making any assumptions about Capital Ones actions. I am requesting clarification and documentation so I can understand whether Capital One continued contacting me or receiving creditrelated information after the account was reported as charged off, and if so, what the legal basis was for doing so. Information Requested From Capital One I respectfully request that Capital One answer the following : 1. Did Capital One continue sending emails or alerts to me after the account was reported as charged off? If so, please provide : the dates the times the subject lines and the purpose of each communication I am not requesting the content of the emails only confirmation of whether they were sent. 2. Did Capital One continue receiving creditrelated alerts or data from XXXX XXXX XXXX after the reported chargeoff date? If so, please explain : what information was received why it was received and under what permissible purpose 3. Was Capital One aware that once an account is reported as charged off or sold, the creditor no longer has a permissible purpose to access a consumers credit file? I am requesting confirmation of their understanding of this requirement. 4. If Capital One continued contacting me after the reported chargeoff date, what was the legal basis for doing so? I am requesting a clear explanation of the permissible purpose relied upon. 5. If Capital One did not continue contacting me, then what explains the communications referencing changes to my credit information? I am requesting clarification on how these communications were generated. Why CFPB Assistance Is Needed I can not determine : whether Capital One accessed my credit file whether they received alerts from any credit bureau whether they continued monitoring my credit information whether they had a permissible purpose whether they were aware of the chargeoff status I am requesting the CFPBs assistance in obtaining clear answers and documentation. Thank You, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation