Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Formal Complaint to the Consumer Financial Protection Bureau ( CFPB ) and Coordinated Federal and State Authorities In re : Willful and Systemic Violations of the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Fair and Accurate Credit Transactions Act ( FACTA ), Equal Credit Opportunity Act ( ECOA ), Consumer Financial Protection Act ( CFPA ), and Related Regulations Arising from Identity Theft Facilitated by Multiple Documented Data Breaches Including Conspiracy Against Rights Under 18 U.S.C. 241 Demand for Immediate Permanent Deletion of All Inaccurate Information, Absolute Removal of Every Restrictive Barrier to Veteran Real Estate Financing, Comprehensive Production of Verification Records, and Maximum Statutory Remedies Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Telephone : ( XXXX ) XXXX Email : XXXX Date of Birth : XX/XX/XXXX XXXX ( Last Four ) : XXXX FTC Identity Theft Report No. : XXXX Date : XX/XX/XXXX Submitted to : Consumer Financial Protection Bureau ( CFPB ) Office of Consumer Response and Enforcement XXXX XXXX XXXX XXXX, Washington , DC XXXX CC : Federal Trade Commission ( FTC ), Office of the Attorney General of Florida, Federal Reserve Board, Office of the Comptroller of the Currency ( OCC ), Federal Deposit Insurance Corporation ( FDIC ), National Credit Union Administration ( NCUA ), U.S. Department of Justice ( DOJ ) Civil Rights Division, U.S. Department of Housing and Urban Development ( HUD ), and all named consumer reporting agencies and furnishers. Re : Demand for Immediate and Permanent Erasure of All Fraudulent Tradelines and Derivative Data ; Elimination of Every Security Freeze, Fraud Alert, Dispute Notation, Block, or Other Impediment to VA-Guaranteed Mortgage and Real Estate Transactions ; Production of Complete Method of Verification ( MOV ), XXXX, Furnisher, and XXXX Records ; and Full Remediation for Willful Noncompliance, Data Security Failures, Reinsertion Violations, and Veteran Housing Obstruction. Dear CFPB Enforcement Personnel and All Copied Authorities : I, XXXX XXXX, a XXXX XXXX veteran with more than XXXX years of honorable service, submit this formal, escalated complaint. My service to this nation reinforced core principles of accountability, precision, and justice standards I now invoke against the documented systemic and willful failures of the consumer reporting ecosystem. This complaint supplements my FTC Identity Theft Report ( # XXXX ), prior disputes, and Florida Attorney General filing. Attached are all material exhibits, including adverse action letters from XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ), dispute correspondence, credit report excerpts, and screenshots from XXXX confirming multiple major data breaches compromising my email address and associated personally identifiable information ( PII ). Factual Background and Causation In XX/XX/XXXX, while pursuing a VA-guaranteed mortgage for residential property in XXXX XXXX , Florida a transaction expressly protected under federal veterans housing and fair lending laws I identified multiple fraudulent tradelines opened without my knowledge, consent, or any permissible purpose : XXXX XXXX ( Acct. XXXX, fraudulent balance {$3400.00} ) XXXX XXXX XXXX ( XXXX ), XXXX. ( Acct. XXXX ) XXXX XXXX XXXX ( Acct. ending XXXX, fraudulent balance {$2000.00} ) XXXX XXXX XXXX XXXX ( Acct. ending XXXX, charge-off {$2100.00} ) These accounts lack authenticated origination documents, signed agreements, or legitimate chain of title. They are directly attributable to multiple documented data breaches exposing my PII. Despite submission of my FTC Identity Theft Affidavit and formal disputes under FCRA 611, the primary consumer reporting agencies and secondary entities have willfully : Reinserted previously deleted inaccurate information via automated XXXX processes without proper Method of Verification ( MOV ), furnisher certification, human oversight, or the mandatory notifications required by FCRA 1681i ( a ) ( 5 ) ( B ) ; and Maintained every restrictive barrier ( security freezes, fraud alerts, dispute notations, blocks ) that has directly caused denial of my VA mortgage. These actions violate the duty to maintain reasonable procedures for maximum possible accuracy ( FCRA 1681e ( b ) ) and reflect material weaknesses in data security safeguards required by GLBA, the FACTA Red Flags Rule, and related regulations. The pattern of conduct raises serious concerns of coordinated or systemic failures in the handling and propagation of stolen consumer data. Specific Violations The agencies and furnishers conduct constitutes willful and negligent violations of : 1. FCRA 1681e ( b ), 1681i, 1681i ( a ) ( 5 ) ( B ), 1681s-2, and 605B Failure to assure maximum possible accuracy and improper reinsertion of deleted items without required certification and notice. 2. FACTA Red Flags Rule, GLBA, and implementing OCC/NCUA regulations Inadequate data security safeguards and breach response, allowing stolen PII to be used to open fraudulent accounts. 3. ECOA ( 15 U.S.C. 1691 et seq. ) and Regulation B Actions that have impeded a protected veteran in mortgage credit transactions. 4. CFPA 1036 Unfair, deceptive, and abusive acts and practices. 5. Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) and complementary state protections for service members and veterans. 6. 18 U.S.C. 241 Conspiracy Against Rights To the extent the reinsertion of deleted information, maintenance of restrictive barriers, and failure to properly investigate disputes reflect coordinated or systemic conduct that has deprived me of rights secured by federal law ( including fair credit reporting and fair lending protections ), such conduct may constitute a conspiracy against rights. Non-Negotiable Demands for Relief I demand the following be executed within four ( 4 ) business days of receipt, with certified written confirmation : 1. Immediate and Permanent Full Deletion Complete erasure of every fraudulent tradeline, inquiry, remark, derivative data, and associated information from all primary and secondary reports, with binding assurances against future reinsertion. 2. Absolute Removal of Every Barrier Permanent lifting and deletion of every security freeze, fraud alert, dispute comment, notation, block, hold, or any other restriction impeding my VA mortgage approval or legitimate credit access. 3. Complete Production of Records Immediate delivery of full Method of Verification ( MOV ) documentation, XXXX audit logs, furnisher verification records, XXXX transcripts, and updated consumer disclosures. 4. Monetary Compensation Actual damages, statutory damages of {$1000.00} per violation ( FCRA 1681n and 1681o ), and punitive damages for willful noncompliance. 5. Coordinated Enforcement Immediate joint investigation by the CFPB, FTC, OCC, NCUA, FDIC, Federal Reserve, DOJ, HUD, and Florida authorities into systemic data breach vulnerabilities, XXXX deficiencies, reinsertion violations, and practices disproportionately impacting veterans, with imposition of maximum civil penalties and corrective action. I declare under penalty of perjury that the foregoing is true and correct. As a XXXX veteran, I expect prompt, thorough, and uncompromising enforcement. Noncompliance will necessitate private civil litigation in federal court and all available regulatory and public escalations. Thank you for your immediate attention. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation