Consumer complaint received 2025-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Subject : Formal Complaint Against Capital One Auto Finance for Failure to Provide Loan Documentation and Potential Legal Violations I am submitting this formal complaint against Capital One Auto Finance for their failure to provide the legally required documentation regarding my auto loans and potential violations of federal consumer protection laws. Despite my formal demand, Capital One has failed to disclose key financial records and loan details as mandated under various federal statutes, including the Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act, and the Real Estate Settlement Procedures Act ( RESPA ). 

The details of my auto loans in question are as follows : XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX Loan Origination Date : XX/XX/XXXX Original Loan Amount : {$22000.00} Maturity Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX Loan Origination Date : XX/XX/XXXX Original Loan Amount : {$35000.00} Maturity Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX Loan Origination Date : XX/XX/XXXX Original Loan Amount : {$42000.00} Maturity Date : XX/XX/XXXX Complaint Details : I have formally requested the following documents from Capital One, which they have failed to provide : Original signed loan agreements ( all pages ) Full payment history for each loan Full account statements including all charges, adjustments, and fees Loan payoff statements with all balance adjustments Securitization details, including CUSIP numbers for each loan Loan transfers, assignments, and securitization records ( including XXXX XXXX  or Special Purpose Vehicles ) Full credit reporting records provided to XXXX XXXX XXXX, and XXXX All correspondence regarding these accounts, including internal notes, settlement offers, and charge-off details Insurance records, including any force-placed insurance policies Capital Ones refusal or failure to provide these legally mandated documents raises serious concerns, including potential violations of : TILA ( 15 U.S.C. 1641 ( g ) ) Failure to disclose loan transfers and securitization FCRA Inaccurate or incomplete credit reporting Fraudulent Misrepresentation Misstating account balances and settlement terms Wrongful Collection Attempting to collect on charged-off, securitized debts Failure to Release Liens Refusal to release vehicle liens despite no financial interest Unjust Enrichment & Breach of Contract Failure to honor contractual obligations Requested Action from CFPB : I request that the CFPB formally investigate Capital One Auto Finances handling of my accounts and require them to provide the full loan documentation, as required by law. Additionally, I request that the CFPB take appropriate enforcement action to ensure compliance with federal regulations and hold Capital One accountable for any violations.

This complaint is being submitted alongside copies to the Office of the Comptroller of the Currency ( OCC ) and the Illinois Attorney Generals Office. Please acknowledge receipt of this complaint and provide guidance on the next steps in the investigation process.

Company response to consumer: Closed with explanation