Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Consumer Finance Division, I am submitting this formal complaint and demand for regulatory enforcement action against Capital One Auto Finance for breach of contract, deceptive and unfair lending practices, and violations of federal consumer-protection laws that have caused direct financial harm and extended my loan beyond its original terms. 



Statement of Facts I, XXXX XXXX XXXX, am an active auto-loan customer of Capital One Auto Finance XXXX 
My monthly payment is {$730.00}, and I have made every payment on time, without exception, in full compliance with the contractual agreement. 

Despite my perfect payment history, I discovered that Capital One Auto increased my loan balance by {$400.00} between XX/XX/XXXX and XX/XX/year>, without providing any written or verbal notice, explanation, or supporting documentation. 

This unauthorized addition not only increased my overall balance but extended the term of my loan, forcing me to pay for additional months beyond the original payoff date. I was never informed, consulted, or given any disclosure as required under federal law. 



Violations and Legal Basis Capital One Auto Finances actions constitute serious violations of multiple consumer-protection laws and contractual duties, including : 1. Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) and Regulation Z for failure to provide advance written notice of any change to finance charges, fees, or balance recalculations. 
2. Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ) for failure to investigate and correct disputed billing errors within 30 days. 
3. Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) for knowingly furnishing inaccurate balance data to credit bureaus. 
4. Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 ) for engaging in unfair, deceptive, and abusive acts or practices ( UDAAP ) causing substantial financial injury. 
5. Breach of Contract and Covenant of Good Faith for altering loan terms and payment obligations without lawful authority or proper disclosure. 

This conduct amounts to fraudulent misrepresentation and bad-faith lending behavior, creating an unfair financial burden and manipulating loan data in violation of both federal and state consumer-protection standards. 



Requested Relief and Enforcement Action I am requesting that the Consumer Financial Protection Bureau and any relevant regulatory authorities : 1. Initiate a full investigation into Capital One Auto Finances internal account-handling and disclosure practices.

2. Obtain and review all records, including payment ledgers, call recordings, and internal adjustment logs tied to my account. 
3. Determine the legality of the {$400.00} balance increase and why it extended my loan despite verified on-time payments.

4. Order full restitution for unauthorized charges and require correction of all balance and credit-report entries. 
5. Assess penalties and enforcement action under 12 U.S.C. 5565 for deceptive and unfair acts or practices.

6. Consider this for broader investigation into Capital Ones treatment of other borrowers who may have experienced similar undisclosed balance increases. 

If this breach is confirmed, I respectfully request that Capital One Auto Finance be required to rescind or release the loan, restoring ownership of my vehicle and removing all unlawful charges and credit entries. 



Supporting Evidence I am prepared to provide : Bank statements and payment receipts proving on-time monthly payments of {$730.00}. 
Screenshots and account summaries showing the unauthorized {$400.00} balance increase. 
All related communications or lack of responses from Capital One Auto Finance. 



Conclusion Capital One Auto Finances conduct reflects a clear abuse of consumer trust and contractual integrity, resulting in unwarranted financial loss and emotional stress. I urge the Consumer Financial Protection Bureau to treat this as a high-priority enforcement matter to ensure fair and equal treatment for all consumers under the law. 

Please confirm receipt of this complaint and provide instructions for submission of supporting documentation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation