Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
# CFPB Complaint Illegal/Wrongful Repossession ( Template ) Subject : Illegal repossession and unauthorized sale of my vehicle request for investigation and relief Your name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account/Loan # : XXXX Vehicle : XXXX XXXX XXXX XXXXXXXX XXXX Date repossessedXXXX Location repossessed from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Short description On XX/XX/XXXX, my vehicle was repossessed from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ. The repossession was unlawful because [ brief reason e.g., I was current on payments/vehicle was in my possession and not in default/ no repossession notice/vehicle held by police/ sold without notice/ no license plate, etc. ]. I request a CFPB investigation and relief. 

Full statement of facts XXXX. On XX/XX/XXXX, I discovered my vehicle missing from [ location ]. 
XXXX. I contacted [ repo company/creditor/police ] and learned the vehicle was repossessed from the tow yard on XX/XX/XXXX XXXX 
XXXX. I was ( choose one ) [ current on payments/ in the middle of a dispute/ had arranged payment/ the vehicle was not abandoned/had posted proof of ownership / other relevant fact ]. 
XXXX. The repossession and/or sale was unlawful because : * [ e.g., no default existed and I was not late ; OR the creditor/repo did not provide required notice ; OR vehicle taken from private property without authorization ; OR vehicle sold within [ state-required ] notice period ; OR vehicle sold without license plate and without my consent ; OR police held vehicle and creditor purchased it without my consent; etc. ] XXXX. After repossession, I was not : [ returned the vehicle / paid fair market value / provided required notices/ given opportunity to redeem/reimbursed for fees ]. 
XXXX. As a result, I have suffered : [ loss of vehicle, financial losses, credit reporting harm, towing/storage fees, inability to work, emotional distress. 

Laws and legal grounds ( examples ) Uniform Commercial Code ( UCC ) Article XXXX requirements for disposition of collateral and notice to debtor. 
State repossession & consumer protection statutes ( see [ your state ] laws governing repossession, notice, redemption period, and sale ). 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 unlawful or deceptive collection practices may apply if a third-party collector or agent acted improperly.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 if false information about the repossession or sale was furnished to credit reporting agencies, request correction.

( I am not a lawyer ; these are common legal references please consult counsel for legal strategy. ) Relief requested I request the CFPB to investigate and secure the following relief : 1. Return of my vehicle if possible, OR payment to me of the full fair market value of the vehicle at the time of repossession.

2. Reimbursement for storage, towing, and related fees I have paid ( amount : {$3700.00} ).

3. Removal/correction of any derogatory credit reporting related to this repossession on my consumer reports.

4. Written confirmation from the creditor/repo company that they will cease collections and will return my vehicle or otherwise dispose of my property without lawful process.

5. Compensatory damages for financial losses and inconvenience ( amount requested : {$29000.00}, if applicable ).

6. A full account of actions taken by the creditor/repo ( chain of custody, sale records, purchaser, receipts ).

Evidence attachments ( please attach ) Copy of loan/finance contract.

PROOF OF OWNERSHIP PROOF OF FRAUD BY CAPITAL ONE AUTO RENTAL AGREEMENT I SENT TO DENTEDS FRAUDULENT /FICTITIOUS LICENSE PLATE Closing/timeline request Please investigate these practices and require the creditor and repossession agent to produce documentation showing lawful authority for the repossession and any subsequent sale. I ask for written confirmation of corrective action and resolution within 30 days. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation