Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern : I am writing regarding the above-referenced account and pending legal matter. I respectfully request that this letter be included in my file and reviewed in consideration of the circumstances surrounding this account. The account was charged off by Capital One , N.A . on or about XX/XX/XXXX. Prior to the charge-off, I experienced significant financial hardship resulting from health issues and loss of employment following the economic challenges that continued after the COVID-19 pandemic. Recognizing my financial difficulties, I proactively contacted Capital One in XXXX and requested hardship assistance. Capital One approved a hardship payment arrangement, and I actively participated in that program beginning in XX/XX/XXXX. Although the hardship program eventually ended, I continued making payments through XX/XX/XXXX, despite my ongoing financial challenges. Throughout XXXX and XXXX, I repeatedly contacted Capital One seeking additional assistance and alternative payment arrangements. During those conversations, I explained my medical and employment circumstances and requested a reduced payment option that would allow me to continue satisfying the debt. However, I was informed that no additional hardship accommodations were available and that any proposed payment arrangement would require payments exceeding {$300.00} per month, which I could not reasonably afford given my financial situation at the time. It is important to note that despite participating in a hardship program and continuing payments after the program ended, my balance showed little meaningful reduction in principal. The combination of interest charges, fees, and financial hardship left me unable to make substantial progress toward reducing the balance despite my repeated efforts to remain in good standing. I did not ignore this obligation. Rather, I made good-faith efforts over an extended period to communicate with Capital One , maintain payments when possible, and seek reasonable accommodations before the account was ultimately charged off . Additionally, I received correspondence from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. The letter stated that I could dispute the debt and request validation by XX/XX/XXXX. I submitted a dispute and request for validation via email to XXXX on XX/XX/XXXX, and I possess documentation demonstrating that the email was transmitted on that date. However, I did not receive the collection letter until XX/XX/XXXX, the final day provided for response. As a result, I had virtually no meaningful opportunity to review the correspondence, gather documentation, or exercise my dispute rights before the deadline expired. I am concerned that legal action may have proceeded before my timely dispute and validation request could be reviewed. My intent has always been to resolve this matter responsibly. I respectfully request that all records relating to my hardship requests, payment history, communications with Capital One, and my XX/XX/XXXX validation request be reviewed. I further request consideration of any reasonable settlement, payment arrangement, mediation opportunity, or alternative resolution that would allow this matter to be resolved fairly. Thank you for your time and consideration. I look forward to your response. Kind regards,

Company response to consumer: Closed with explanation