Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One Customer Advocacy Office XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute, Validation Demand, Request for Deletion, and Notice of Defective Investigation Accounts Ending In : XXXX, XXXX, and XXXX Capital One Case # : XXXX CFPB Case # : XXXX To Whom It May Concern : I am in receipt of your correspondence dated XX/XX/2026 regarding the above-referenced accounts. Your response fails to provide competent documentary evidence sufficient to validate the alleged obligations or establish that the investigation conducted was reasonable, complete, or compliant with applicable federal consumer reporting and debt collection laws. I hereby formally dispute the validity, ownership, enforceability, balance, accounting, and reporting status of the alleged accounts referenced in your response. Your investigation appears to rely primarily upon circumstantial indicators such as addresses, telephone numbers, email addresses, alleged electronic payments, and unverifiable internal account notes. These items do not constitute competent legal proof that I knowingly entered into enforceable credit agreements, authorized all transactions, or remain legally obligated for the balances claimed. Specifically, your letter alleges the following : * Alleged online applications * Alleged enrollment in electronic billing * Alleged online payments * Alleged telephone communications * Alleged verification of Social Security number and date of birth * Alleged linkage through public records None of these statements alone establish : 1. A valid authenticated contract ; 2. A complete chain of authorization ; 3. A verified accounting ledger ; 4. Proof of lawful assignment ; 5. Proof of standing to collect ; 6. Proof that all transactions were authorized by me ; 7. Proof that the debt amount claimed is accurate ; 8. Proof that the reporting remains legally permissible. Accordingly, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), Regulation V, and all other applicable federal and state consumer protection laws, I demand the following documentation and evidence. VALIDATION DEMANDS Please provide the following for EACH account : 1. A complete copy of the original signed application or signed cardholder agreement bearing my wet ink signature or legally verifiable authenticated electronic signature. 2. Complete IP logs, device identifiers, browser fingerprints, geolocation logs, and metadata associated with the alleged online applications and online account access. 3. Complete payment histories from account opening through charge-off, including : * dates, * amounts, * originating bank accounts, * authorization methods, * ACH authorizations, * payment instruments used, * and proof of authorization for each payment. 4. Copies of all monthly billing statements from account opening through closure or charge-off. 5. Copies of all Truth-in-Lending disclosures allegedly provided at account opening. 6. A complete accounting ledger showing : * principal, * interest, * fees, * penalties, * credits, * adjustments, * charge-offs, * and any post-charge-off additions. 7. Copies of all recorded telephone calls allegedly made by me regarding these accounts. 8. Copies of all internal notes, account comments, and investigation records relied upon in your determination. 9. Documentation establishing the chain of custody and chain of ownership of the alleged debt, including : * bills of sale, * assignment agreements, * transfer schedules, * and servicing agreements. 10. The name and address of every party that has possessed, serviced, collected, purchased, reported, or attempted to collect these alleged accounts. 11. Documentation proving compliance with all notice requirements associated with : * charge-off, * sale, * assignment, * and credit reporting. 12. Documentation proving the alleged balances were calculated accurately and lawfully. 13. Documentation proving that all reporting currently furnished to consumer reporting agencies is complete, accurate, and fully verifiable. 14. Documentation proving the applicable statute of limitations for collection or reporting has not expired. 15. Documentation establishing Capital Ones standing to continue furnishing information after sale or transfer of the account. DEFECTIVE INVESTIGATION Your investigation appears deficient because : * You failed to provide primary documentary evidence ; * You failed to provide authenticated transactional evidence; * You failed to provide signed contractual instruments; * You failed to provide complete accounting records; * You relied primarily upon internally generated assertions ; * You did not provide evidence demonstrating a reasonable investigation standard. Under the Fair Credit Reporting Act, furnishers of information are required to conduct a reasonable investigation upon receipt of a dispute. Merely verifying information against your own internal database does not satisfy this requirement if the underlying documentation itself is not independently verified. ACCOUNT ENDING IN XXXX Your letter states that the account was sold to XXXX XXXX XXXX. If the account has been sold, transferred, or assigned, please explain : * why Capital One continued reporting after disposition, * the exact date ownership transferred, * whether Capital One retained any financial interest, * and whether duplicate reporting occurred. If ownership was transferred, please provide complete assignment documentation. REQUEST FOR DELETION If you can not provide all documentation requested above within thirty ( 30 ) days, I demand : * immediate deletion of all related tradelines, * cessation of all collection activity, * notification to all consumer reporting agencies to remove the accounts, * and written confirmation of deletion. NOTICE OF DOCUMENT PRESERVATION You are hereby placed on notice to preserve all records, electronic logs, recordings, metadata, payment records, internal notes, and investigative materials relating to these accounts. Destruction or alteration of records after receipt of this notice may constitute spoliation of evidence. LIMITED COMMUNICATION NOTICE All future communications regarding this matter shall be made in writing only. This correspondence is not an admission of liability, ownership, or contractual obligation, and no rights are waived. I expect a complete written response within thirty ( 30 ) days of receipt. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation