Consumer complaint received 2026-06-10 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: CA

Complaint narrative:
b"Date: XXXX XXXX XXXX\n\nXXXX XXXX XXXXXXXX XXXX\n\nRE: Request for Settlement Documentation, Payment History, and Account Balance\n\nTo Whom It May Concern:\n\nOXXXX XXXX XXXX XXXX, I spoke with XXXX XXXX. regarding the settlement account on which I am currently making monthly payments.\n\nDuring that conversation, I requested documentation showing:\n\nA complete payment history for my account;\n\nThe current balance remaining under the settlement agreement;\n\nCopies of receipts or statements reflecting payments received;\n\nA copy of the written settlement agreement or other documentation setting forth the terms of the settlement that I accepted.\n\nI was informed that XXXX XXXX XXXX does not provide receipts, payment histories, statements, or updated balance information to consumers.\n\nTo date, I have made six payments of XXXX each toward this settlement account. Despite these payments, I have not received any receipts, statements, payment confirmations, accountings, or written settlement documentation.\n\nI am formally requesting that you provide:\n\n A complete accounting of all payments received; The current balance remaining on the account; Copies of any receipts or payment confirmations issued for payments received; A copy of the written settlement agreement and all settlement terms; Identification of the original creditor, account number, and any remaining amount claimed to be owed.\n\nPlease provide these records within 30 days of receipt of this letter.\n\nThis request is made so that I may verify the status of the account and ensure that all payments are being properly credited. Nothing in this correspondence should be construed as an admission of liability for any amount not previously agreed upon.\n\nThank you for your prompt attention to this matter.\n\nSincerely,\n\XXXX XXXX \nXXXX XXXX XXXX \nRef # XXXX\n\nSee below :\nUnder California's Rosenthal Fair Debt Collection Practices Act (Cal. Civ. Code 1788 et seq.) and the Fair Debt Buying Practices Act, debt buyers and collection agencies are legally required to document settlements and provide receipts or statements upon receiving payments. [1]\nThe specific requirements include:\n Settlement Agreements: All settlement agreements must be reduced to writing, and the collector must ensure a copy of this written agreement is provided to you. [1]Receipts for Payments: For any payment received on a debt, the collector must provide a receipt or statement to the debtor within 30 calendar days. [1]Final Settlement Receipt: If a payment is accepted as payment-in-full or as a final compromise, the collector must provide a final statement that clearly indicates this within 30 calendar days. [1]Mandatory Information: The receipt or statement must explicitly display the amount and date paid, the name of the entity paid, the current account number, the original charge-off creditor, the original account number, and any remaining balance owing. [1]"

Company response to consumer: Closed with explanation