Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern : I am submitting this formal response regarding Capital Ones recent correspondence dated XX/XX/XXXX, concerning alleged Servicemembers Civil Relief Act ( SCRA ) benefits.

1. False and Misleading Claim of SCRA Application Capital Ones letter asserts that I submitted a request for benefits under the Servicemembers Civil Relief Act ( SCRA ) on or about XX/XX/XXXX. This claim is categorically false. I have never applied for SCRA benefits with Capital One, nor have I ever received information from Capital One regarding such a program until receipt of this XX/XX/XXXX letter. 

2. Pattern of Harassing and Retaliatory Correspondence The suggestion that I would file such a request more than 30 years after my XXXX XXXX end date of XX/XX/XXXX, is illogical and baseless. This letter is one of many boilerplate and irrelevant communications I have been inundated with from Capital One in recent weeks. I question the validity, intent, and legality of this repeated correspondence, particularly given that I am currently disputing Capital Ones inaccurate and misleading reporting on my credit file.

The timing and nature of these SCRA-related letters appear to be a deliberate attempt at confusion, intimidation, and retaliation against me as a XXXX veteran challenging Capital Ones reporting practices.

3. Violation of Consumer Protection Standards By issuing misleading and patently false letters, Capital One is engaging in conduct that can be reasonably viewed as : - An unfair and deceptive practice under the CFPBs authority.

- A potential violation of the Fair Credit Reporting Act ( FCRA ), given the connection of this correspondence to my ongoing credit disputes.

- A form of harassment, intended to deter me from exercising my rights under federal law.

4. Requested Relief I respectfully request the CFPB require Capital One to : - Cease sending me false or misleading correspondence, including fabricated claims of SCRA benefit applications.

- Conduct a full and transparent review of its internal practices regarding consumer correspondence and credit reporting.

- Provide written clarification and accountability regarding why these letters were generated, and what specific records they relied upon.

- Remove all inaccurate, unverifiable, or retaliatory references connected to my credit profile.

5. Flood of Capital One Letters and Inquiries The volume of correspondence I have received from Capital One has increased significantly. In XX/XX/XXXX, I received fewer letters, while in XX/XX/XXXX ( still ongoing ), I have already received a substantially larger numberwith more than a week left in the month, and the likelihood of additional letters arriving.

This pattern demonstrates a clear escalation in unnecessary and retaliatory communications.

6. Handwritten Notations for Recordkeeping For tracking purposes, I noted in pencil on the border of two of the XX/XX/XXXX letters : - Account ending in XXXX Case Number : XXXX - Account ending in XXXX Case Number : XXXX This was done only to keep record of the letters volume and redundancy, not because I ever initiated or consented to these inquiries. 

7. Harassment and Retaliation Through Excessive Mailings Receiving clusters of letters within days of each other, many with nearly identical boilerplate justifications, strongly suggests Capital One is engaged in a campaign of harassment and intimidation. This conduct appears retaliatory, arising directly from my disputes regarding inaccurate reporting.

This barrage of unnecessary mailings causes mental, emotional, and physical stress, especially as I am a XXXX veteran already managing multiple chronic health conditions. 

Conclusion I am a XXXX military veteran with significant medical challenges, and Capital Ones repeated baseless correspondence has compounded unnecessary stress. Their actions are misleading, retaliatory, and wholly unacceptable.

I request immediate CFPB oversight and enforcement to ensure Capital One is held accountable for these practices.

Respectfully submitted, XXXX XXXX XXXX XXXX Military Veteran

Company response to consumer: Closed with explanation