Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Pre-Litigation Demand for Debt Validation CFPB Case # XXXX To : Capital One Attn : Consumer Dispute Department From : XXXX XXXX XXXX XXXX XXXX XXXX Post XXXX XXXX # XXXX XXXX, TX XXXX XXXX : XXXX Date : XX/XX/year> Re : Accounts ending in XXXX Capital One Case # : XXXX CFPB Case # : XXXX Dear Capital One : I am writing regarding the above-referenced accounts, in connection with my prior CFPB complaint # XXXX and your response under Capital One case # XXXX. 

While your response confirmed my personal identifiers, addresses, and payment history, it fails to provide sufficient validation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and related federal statutes. Your admission that these accounts were opened online and that no original signed contracts exist further demonstrates that the documentation you provided is insufficient for proper debt verification. 

The information you provided, my personal identifiers, prior addresses, and bank account info, is public or otherwise known and does not constitute proof or validation of the accounts under FCRA. 

Under FCRA, even for online accounts, I am entitled to full verification, including : XXXX. A copy of the original account application or agreement ( electronic or otherwise ) ; XXXX. Detailed billing statements or account history showing charges, payments, and current balance ; XXXX. Documentation linking the accounts to me, including verified personal identifiers ; XXXX. Any communications or notices sent regarding the accounts ; XXXX. Date, time, and IP address used to open the accounts ; XXXX. Evidence of any electronic consent or acknowledgement for online account creation ; XXXX. Any other documentation sufficient to independently verify the legitimacy and ownership of the accounts. 

Despite this, the above accounts continue to be reported as active to the credit reporting agencies without proper verification. This constitutes a violation of FCRA, which requires that while a dispute is being investigated, the accounts must be reported as disputed, and any unverified or inaccurate information must be corrected or deleted.To date, none of this documentation has been provided. The CFPB portal is a secure, consumer-protected method for transmitting this information, yet I have received nothing through that channel or at my physical addresses. 

Please be advised that the CFPB portal is a secure and consumer-protected channel for transmitting sensitive documentation, including account applications, statements, and verification records. I have openly consented and provided written authorization through the CFPB to allow Capital One to upload the requested information directly to this portal. Any submissions through the CFPB portal are fully protected under the CFPB process, and you are aware of this. Yet, despite this authorization, you are still denying me access to the requested proof, which constitutes non-compliance with both the CFPB dispute process and my rights under FCRA. 

Demand : I hereby demand that Capital One either : XXXX. Provide full and proper validation of the above accounts, including all documentation listed above ; or XXXX. Notify the credit reporting agencies to delete these accounts immediately if full verification can not be provided. 

Please provide a written response within XXXX calendar days of receipt of this letter. Failure to respond or provide sufficient documentation will leave me no choice but to pursue legal action in court to enforce my rights under FCRA and seek deletion of these accounts. 

This letter serves as a formal pre-litigation notice and preserves a record of my efforts to resolve this matter prior to filing suit. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation