Consumer complaint received 2025-10-25 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: NJ

Complaint narrative:
Subject : False Statements, Misrepresentation, and Continued FDCPA Violations by XXXX, XXXX XXXX XXXX, XXXX Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX References : Capital One Quicksilver Accounts ending XXXX and XXXX Prior CFPB Case : # XXXX ( Closed on XX/XX/year> ) Complaint Summary This complaint concerns new and material violations by XXXX, XXXX & XXXX XXXX XXXX ( XXXX ), including false representations made in their prior response to the CFPB and continued non-compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. In their XX/XX/year> CFPB response ( signed by Managing Member XXXX XXXX ), XXXX falsely stated that : XXXX XXXX requested validation for only one account ( ending in XXXX ). This statement is demonstrably false. On XX/XX/year>, I sent two separate debt validation requests via email one for each account ( references XXXX and XXXX ). Both emails were directed to XXXX  official dispute address provided in their own collection letters. I am attaching both emails as evidence. This deliberate misstatement constitutes a knowing false representation in connection with debt collection, in violation of : - 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt. - 15 U.S.C. 1692e ( 10 ) Use of any false representation or deceptive means to collect or attempt to collect a debt. - 18 U.S.C.

1001 ( a ) ( 2 ) False statements made in a matter within the jurisdiction of a federal agency ( the CFPB ).

Further FDCPA and Regulatory Violations 1. Failure to Provide Proper Validation ( 1692g ( b ) ) : XXXX  only validation consisted of billing statements. Under Regulation F ( 12 CFR 1006.34 ), collectors must provide documentation showing how the amount was calculated and the basis of ownership or authority. Statements alone do not meet the legal threshold for verification of debt. 2. Misrepresentation of Legal Authority ( 1692e ( 9 ) & ( 14 ) ) : XXXX falsely claimed that no further authorization is required to collect. Under New Jersey Administrative Code 13:45D-4.1, any entity engaging in debt collection must be licensed or act under a documented agency relationship. XXXX has provided no power-of-attorney, agency agreement, or retainer proof authorizing them to act on behalf of Capital One. 3. Improper Invitation to Pay a Disputed Debt ( 1692g ( b ) ) : Their validation letter encouraged me to make payment despite the account being in active dispute. Soliciting payment while a dispute remains unresolved violates the FDCPA and Regulation F 1006.38 ( b ) ( 3 ), which prohibits continued collection activity without first providing full validation. 4. Failure to Correct False Information Submitted to a Federal Agency : Despite being notified that their prior submission contained materially false statements, XXXX has not corrected or retracted their misrepresentation to the CFPB a willful act under 15 U.S.C. 1692k ( civil liability for intentional non-compliance ).

Attached Evidence : - Copies of both validation request emails sent on XX/XX/year>. - Copies of both collection letters ( references XXXX and XXXX ). - XXXX  validation response letter dated XX/XX/year>. - CFPB Case # XXXX final response signed by XXXX XXXX XXXX 
Signed : XXXX XXXX XXXX, New Jersey XX/XX/year> XXXX

Company response to consumer: Closed with explanation