Consumer complaint received 2026-05-19 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: DC

Complaint narrative:
I requested proof of ownership of this auto loan debt from Capital One Auto on XX/XX/XXXX, requesting a forward flow of agreement, chain of assignment, account-level documentation and the balance, as proof of all interest and charges. I have not received any feedback from Capital One Auto. I also included a Cease & Desist letter of collection of payments until this issue is resolved. I am still receiving calls and notices via app to make payments or the vehicle ( XXXX XXXX XXXX ) will be repossessed. I will attach the certified letter that was sent, below. Letter : Below is a polished draft you can copy into XXXX or XXXX format and send via Certified Mail. -- - XXXX XXXX, Signer XXXX XXXX, Co-Signer XXXX XXXX XXXX, XXXX Washington , DC XXXX XX/XX/XXXX Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Notice of Dispute, Demand for Validation of Debt, Failure to Verify Debt Account Ending : # XXXX To Whom It May Concern : This correspondence serves as a formal notice of dispute regarding the above-referenced alleged vehicle loan account purportedly assigned or transferred from the originating dealership to Capital One Auto Finance . On XX/XX/XXXX, a prior written request for validation and verification of the alleged debt was sent to your office via Certified Mail. As of XX/XX/XXXX, no response, documentation, verification, or lawful validation has been provided. Accordingly, this letter constitutes a second formal demand for compliance with federal consumer protection laws, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). Specifically, the following documentation is demanded immediately : 1. A complete copy of the original signed retail installment sales contract and financing agreement ; 2. Verification and validation of the alleged debt pursuant to federal law ; 3. A complete chain of assignment and transfer demonstrating lawful ownership and authority of Capital One Auto Finance to collect on the alleged account ; 4. Forward flow agreements and any purchase/sale agreements evidencing transfer from the dealership to Capital One Auto Finance ; 5. Complete account-level documentation reflecting : * Itemized accounting, * Payment history, * Interest calculations, * Fees, * Credits, * Accurate balance owed ; 6. Written verification bearing competent evidence that the alleged debt is legally enforceable against the undersigned consumers. The following federal statutes are applicable to this dispute and request : 15 U.S.C. 1692g Validation of Debts This statute requires that a consumer be provided validation of the debt upon dispute. Specifically, under 1692g ( b ) : > If the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt until the debt collector obtains verification of the debt and a copy of such verification is mailed to the consumer. Accordingly, all collection activity must cease until proper written verification is produced. 15 U.S.C. 1692e False or Misleading Representations This statute prohibits : > Any false, deceptive, or misleading representation or means in connection with the collection of any debt. Attempting to collect without competent proof of ownership, assignment, validation, or legal standing may constitute deceptive collection activity under this section. 15 U.S.C. 1666 Billing Error Resolution This statute provides protections regarding disputed accounts and obligates creditors to conduct reasonable investigations into disputed matters. The statute requires acknowledgment and investigation of disputes submitted in writing concerning account accuracy and obligations. Failure to provide adequate documentation, investigate disputed balances, or respond to written disputes may constitute noncompliance with federal law. PLEASE TAKE NOTICE : Because Capital One Auto Finance has failed to provide lawful verification and documentation after receipt of the certified correspondence dated XX/XX/XXXX, continued collection activity without compliance may constitute violations of federal consumer protection statutes. Until the requested documentation is produced, you are hereby instructed to : * Cease all collection activity ; * Cease reporting or furnishing disputed information to any consumer reporting agency ; * Refrain from making any representations regarding ownership or enforceability of the alleged debt without competent documentary proof. This letter is not a refusal to pay, but rather a lawful notice of dispute and demand for strict proof and verification pursuant to federal law. Please provide all requested documentation within thirty ( 30 ) days of receipt of this correspondence. Sincerely, -- - XXXX XXXX -- - XXXX XXXX, Co-Signer CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC )

Company response to consumer: Closed with explanation