Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
* * Subject : * * URGENT : FORMAL REQUEST FOR PROOF OF AUTHORIZED USER ( XXXX XXXX ) CASE NO. XXXX * * TXXXX XXXX XXXX XXXX XXXX XXXX Legal Department / XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Credit Management and XXXX XXXX XXXX XXXX XXXX From XXXX XXXX XXXX XXXX XXXX XXXX ( Cardholder / Plaintiff ) * * Date : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX I. LEGAL BASIS * * Pursuant to * * Law XXXX of XXXX * * and * * Decree XXXX of XXXX * * ( Colombian Data Protection Law ), and the * * Habeas Data * * rights guaranteed to all individuals residing in XXXX, I formally request the * * immediate production of specific source data * * to verify the false assertions in the Sworn Declaration of XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( dated XX/XX/XXXXXXXX ), filed in Case No. XXXX. * * II. THE FALSE ASSERTION * * In Paragraph XXXX of the Declaration, the affiant states : * '' According to Discover 's records, XXXX XXXX was an authorized user on the Account. " * I dispute this assertion. To the best of my knowledge, XXXX XXXX XXXX XXXX never applied for, received, or used * * an authorized user card on my account. * * III. THE MANDATORY REQUEST * * To prove the truth of this assertion, Discover Bank must produce the following * * original, unredacted records * * within * * 15 business days * * : 1. * * Proof of Authorization ( The Signature ) : * * * The * * original, signed Authorization Form * * or * * electronic signature log * * where XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( or I, as Cardholder ) explicitly authorized the issuance of a card to XXXX XXXX. * * If no signature exists, the claim that he is an Authorized User is false. * 2. * * Proof of Delivery ( The Card ) : * * * The * * original signed delivery receipt * * or * * tracking log * * ( USPS, XXXX, XXXX ) proving that a XXXX XXXX specifically issued to XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Account ending in XXXX, XXXX ) was * * physically delivered * * to an address. * * If no delivery receipt exists for XXXX 's card, the claim that he " received '' a card is false. * 3. * * Proof of Usage ( The Transaction ) : * * * The * * original transaction logs * * ( with IP addresses, device IDs, and signature data ) proving that a card issued to XXXX XXXX XXXX XXXXXXXX XXXX XXXX was used to make purchases. * * If the transactions were made by XXXX XXXX ( me ) or an unknown third party, but not by XXXX, the claim that " XXXX used the card '' is false. * XXXX. * * Source Verification : * * * The * * exact data source * * ( e.g., " Internal Data, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) used to compile the record that XXXX XXXX is an Authorized User. * * If the data was pulled from a third party ( e.g., XXXX ) and not generated from a signed application, the claim is based on false data. * * * IV. THE LEGAL CONSEQUENCE OF NON-PRODUCTION * * Under * * Article 13 of Law 1581 of 2012 * *, if you fail to provide the source of the data or the specific records requested within * * 15 business days * *, the law * * presumes the data to be false * * and the assertion that " XXXX XXXX was an authorized user '' to be * * fabricated * *. * * V. DEMAND * * I demand that you : 1. * * Provide * * the requested data within * * 15 days * *. 2. * * Retract * * the false assertion in the Sworn Declaration if the data is not provided. 3. * * Correct * * all adverse actions and credit reports based on this false claim of XXXX XXXX 's involvement. * * VI. NOTICE OF INTENT TO FILE * * Failure to comply with this request will result in : XXXX. Filing a * * Formal Complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX for violation of * Habeas Data * laws. 2. Submitting this request and your silence as * * evidence of perjury * * and * * bad faith * * in the U.S. court case ( XXXX XXXX ). 3. Seeking damages for the continued harm caused by your refusal to verify the data while I resided in XXXX. * * Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation