Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Capital One Customer Advocacy Office XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Formal Dispute and Demand for Validation Account Ending in XXXX To Whom It May Concern, This letter serves as a formal dispute of the alleged debt associated with the account ending in XXXX, as well as a demand for full validation under applicable federal and state laws. 

I am requesting that you provide the following documentation and information : A full and complete itemization of the alleged debt, including all interest, fees, and charges. 

A copy of the original contract or agreement bearing my signature, or valid proof of my digital acceptance as required under the Electronic Signatures in Global and National Commerce Act ( ESIGN Act ), if the account was opened online. 

Proof that Capital One had the legal right to assign, sell, or transfer this account to XXXX XXXX XXXXXXXX, including a complete chain of title and assignment records. 

Documentation that clearly shows the account was sold or transferred on or about XX/XX/XXXX, including the method and proof of notification sent to me. 

Verification that the debt is legally enforceable in the state of Texas and is not time-barred under the applicable statute of limitations. 

Proof that XXXX XXXX XXXXXXXX is licensed and authorized to collect debt in the state of Texas, including but not limited to : A valid debt collector registration or license number, The name of the issuing regulatory authority, The date of issuance and expiration, And any and all other information supporting your legal right to collect debts within the state of Texas. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, you are required to provide full and complete validation of the alleged debt before continuing any collection efforts. Until you do so, you must immediately cease all collection activity. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, I formally dispute the reporting of this account to any credit reporting agencies. You are legally obligated to : Investigate the disputed information, Remove or correct any information that can not be verified, And notify me in writing of the results of your investigation within 30 days. 

Capital Ones own correspondence indicates that they are no longer reporting the account. If either Capital One or XXXX XXXX, XXXX is reporting this account inaccurately or without proper validation, that constitutes a direct violation of the FCRA. This letter also serves as notice that such reporting must be marked as disputed by consumer until fully resolved. 

Additionally, under Texas Finance Code 392.202, I request that you : Investigate the accuracy and legality of the information being reported and collected, Provide me with a written explanation and supporting documentation, And cease reporting or collecting the disputed information until the investigation is completed. 

If you fail to respond or continue to report or collect on a debt that has not been properly validated and authorized under the law, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office. I will also explore legal action for any violations of my rights under federal and state law. 

Please respond in writing and provide all requested documentation and validation within 30 days of your receipt of this letter. Until that time, you are to cease all collection activity and reporting related to this account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation