Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Subject : Formal Complaint Against Capital One Auto and Capital One Credit To : Consumer Financial Protection Bureau ( CFPB ) Complainant Information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : Company Name : Capital One Auto Finance / Capital One Credit Services Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -- - Complaint Details : 1. Capital One Auto Finance : Issue : Improper billing practices, lack of full disclosure, and failure to validate debt under the Fair Debt Collection Practices Act ( FDCPA ). 

Incident Dates : [ Date ( s ) of Issues ] Description : Despite multiple attempts to request verification and validation of the alleged auto loan debt, Capital One Auto Finance has failed to provide proper documentation and has continued collection efforts in violation of my rights under federal and common law principles. The company has reported inaccurate information to credit bureaus without lawful verification, causing financial harm. 

Impact : Damage to my credit profile Emotional distress due to harassing collection tactics Financial hardship resulting from unjustified demands Desired Resolution : Cease all collection activities until proper verification is provided Correction of any erroneous credit reporting Compensation for damages incurred 2. Capital One Credit Services : Issue : Unauthorized fees, deceptive lending practices, and misrepresentation of terms under the Truth in Lending Act ( TILA ). 

Incident Dates : [ Date ( s ) of Issues ] Description : Capital One Credit has imposed unauthorized charges on my account, failed to provide an accurate breakdown of fees, and refused to address my disputes in a timely manner. Despite my lawful demand for a proper accounting and proof of obligation, Capital One continues to impose penalties and interest, violating my consumer rights and causing undue financial burden. 

Impact : Unjust financial burden through deceptive charges Inaccurate reporting to credit bureaus Emotional distress due to lack of cooperation and transparency Desired Resolution : Full refund of unauthorized fees Removal of any incorrect reporting from credit bureaus Assurance of compliance with federal consumer protection laws Supporting Documents : The following documents are attached to support this complaint : Correspondence with Capital One regarding disputes Account statements showing unauthorized charges Proof of requests for verification under FDCPA and TILA Any related correspondence indicating Capital One 's failure to comply -- - I request that the CFPB investigate these matters thoroughly and take appropriate action to ensure compliance with federal consumer protection laws. I trust that this agency will uphold my rights and provide an equitable resolution to these grievances. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX  XXXX XXXX Information Requested from Capital One Auto and Capital One Credit : XXXX. Proof of Debt Validation ( Under FDCPA 15 U.S.C. 1692g ) : A certified copy of the original promissory note or credit agreement bearing your autograph. 

A full accounting and breakdown of the alleged debt, including how it was calculated. 

Proof of Capital One 's legal standing and authority to collect the debt ( proof of assignment or lawful ownership ). 

A copy of the original agreement that allegedly binds you to the terms. 



2. Proof of Proper Consideration and Accounting ( Under UCC and Common Law Principles ) : Detailed ledger showing both sides of the accounting entry ( debit and credit ) proving that a loan was actually funded by Capital One and not created through fractional reserve banking. 

Evidence that the alleged loan was not securitized and traded without full disclosure. 



3. Truth in Lending Act ( TILA ) Disclosure Documents : Original disclosure documents showing the terms, interest rates, and total repayment amounts. 

Clarification on whether the loan or credit was funded through a negotiable instrument or your creditworthiness. 



4. Fair Credit Reporting Act ( FCRA ) Compliance Documentation : Confirmation that any reported information to credit bureaus is accurate, complete, and verifiable. 

Proof of their authority to report the alleged debt to the credit bureaus without your express consent. 

A demand to correct any inaccurate information that may have been reported. 



5. Proof of Bonding and Licensure : A request for their surety bond information and evidence that they are properly bonded to operate and report in your jurisdiction. 

Confirmation of their registration with the Secretary of State and authority to do business within Michigan Republic. 



6. IRS Form 1099-C ( Cancellation of Debt ) : Verification if the alleged debt has been written off, discharged, or settled in any form through tax filings. 



7. Full Disclosure Under Common Law and Contract Law : Request for a wet-ink contract signed by both parties demonstrating mutual agreement, offer, acceptance, and consideration. 

Evidence that the contract does not contain misrepresentation, fraud, or undisclosed terms. 



8. Proof of Mailing and Due Process Adherence : Confirmation that all notices sent to you comply with proper mailing procedures, including certificates of mailing and verification of proper service. 

Any signed agreements indicating that you accepted terms outside of the original application.

Company response to consumer: Closed with explanation