Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone Number ( XXXX ) XXXX Regarding : Original Creditor : Capital one Account Number : XXXX Balance : {$1400.00} XXXX accounts NOTICE FORMAL REQUEST FOR VALIDATION OF ALLEGED DEBT Dear : Capital One Bank This is notice of my formal request for validation of debt in accordance with the fair debt collection practices act pursuant to 15 USC 1692g. I have noticed that your company has put this alleged account on my credit report with no prior written notice giving me an opportunity to formally dispute this account. This is a direct violation of my consumer rights. I dispute any validity of this account and demand that that this account be removed immediately from all credit reports. 
I am not aware of any contract creating an obligation or indebtedness to Capital one Bank and therefore am not liable to repay your company any money for this alleged debt. So that I XXXX further assist you I am requesting that you validate the debt. Validation differs from verification whereas I am challenging the authenticity of the alleged that you are attempting to collect please provide me with a true copy of XXXX. The authenticated contract or note with the signatures and next thereto. 
XXXX. The accounting and general ledger statements showing the full accounting of the alleged death that you are now attempting to collect. 
XXXX. The name and address all persons, corporations, associations, or any other party having an interest in legal proceedings regarding the alleged debt XXXX. XXXX under penalty of perjury that as a debt collector you have not purchase evidence of the debt and you are proceeding with collection activity in the name of the original maker of the note. 
XXXX. XXXX from the stated creditor that you are authorized to act for them. 
In accordance with the fair debt collection practices act person went to 15 USC 1692f, the collection of any amount ( including any interest fee charge or expense incidental to the principal obligation ), unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
NOTICE OF DISPUTE I am disputing any interest regarding the above account whereas I believe the correct balance owed is XXXX. Please update the record with XXXX XXXX and XXXX XXXX notifying them that interest portion of the alleged it is in dispute. If you are unable to validate the information within 30 days the account must be deleted. The debt is considered to be invalid until I receive the contract requested at the address provided above. 
If the above is not done within 30 days from receipt of this letter, you will be sued and liable in federal court for violations pursuant to the FDCPA and punitive damages for harming my XXXX XXXX and wasting my time addressing this frivolous alleged debt Please not a bank statement is not a legal written contract. please send the accounting for the debt contracts wet signature or deleted and remove the information from credit reports..Thank you

Company response to consumer: Closed with non-monetary relief