{"took":84,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":101,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18076308","_score":22.518082,"_source":{"product":"Credit card","complaint_what_happened":"Capital One closed my long-standing Quicksilver account ending in XXXX without providing a legally required adverse action notice under the Equal Credit Opportunity Act ( ECOA ) and Regulation XXXX. \n\nI received a letter dated XX/XX/year> stating only that the account was being closed because of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX de XXXX XXXX ( activity not compatible with typical account use ). This is not a legally compliant specific reason and does not satisfy ECOAs requirement for an adverse action notice. The letter does not include : A specific legitimate reason for the account closure XXXXrequired adverse action disclosures Notice of my right to request additional information Any lawful explanation regarding the decision Furthermore, this closure occurred immediately after I filed disputes regarding inaccurate late payment reporting and an active CFPB complaint. Capital One had failed to provide the required documentation under XXXX U.S.C. XXXX and XXXX ( b ) regarding billing statement delivery, and instead of responding properly, they restricted and ultimately closed my account. This appears retaliatory. \n\nCapital One also failed to provide proof of : Periodic statement delivery 21 days prior to due dates Compliance with XXXX ( b ) disclosure requirements Negative reporting notice required under XXXX U.S.C. XXXX ( a ) ( XXXX ) A proper reinvestigation under FCRA XXXX ( b )","date_sent_to_company":"2025-12-02T16:03:58.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"34243","tags":null,"has_narrative":true,"complaint_id":"18076308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-02T15:43:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["<em>Capital</em> One had <em>failed</em> to <em>provide</em> the <em>required</em> documentation under XXXX U.S.C. XXXX and XXXX ( b ) regarding billing statement delivery, and instead of responding properly, they restricted and ultimately closed my account. This appears retaliatory. \n\n<em>Capital</em> One also <em>failed</em> to <em>provide</em> proof of : Periodic statement delivery 21 days prior to due dates <em>Compliance</em> with XXXX ( b ) disclosure requirements Negative <em>reporting</em> notice <em>required</em> under XXXX U.S.C."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[22.518082,"18076308"]},{"_index":"complaint-public-v1","_id":"13333308","_score":20.56743,"_source":{"product":"Credit card","complaint_what_happened":"Heres a version you can paste into the What happened? section of the CFPB complaint form, written clearly and without personal information : On or around XX/XX/year>, I received an adverse action letter from Capital One regarding a denied credit card application ( Application ID : XXXX ). The letter stated that the denial was due to an unresolved consumer alert on my credit report and that Capital One was unable to contact me. \n\nHowever, I never received any contact attemptsby phone, email, or mailprior to the denial. My credit score at the time was XXXX, which I believe reflects a strong credit profile. I took no action to prevent communication or delay the verification process. \n\nI believe the explanation provided by Capital One may be inaccurate or misleading, and that they failed to conduct a fair review of my application. This raises concerns under federal consumer protection laws, including 15 U.S. Code 1611, which prohibits willful misrepresentation or failure to provide required disclosures.\n\nI am requesting that Capital One provide a full explanation of the actions taken during their review, and that the CFPB investigates this matter for possible non-compliance with fair lending and credit application procedures.","date_sent_to_company":"2025-05-05T21:31:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Store credit card","zip_code":"33401","tags":null,"has_narrative":true,"complaint_id":"13333308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-05-05T21:10:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I believe the explanation provided by <em>Capital</em> One may be inaccurate or misleading, and that they <em>failed</em> to conduct a fair review of my application. This raises concerns under federal consumer protection laws, including 15 U.S. Code 1611, which prohibits willful misrepresentation or failure to <em>provide</em> <em>required</em> disclosures."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[20.56743,"13333308"]},{"_index":"complaint-public-v1","_id":"15582081","_score":20.363234,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * Capital One * * Regarding : * * Capital One, Account ending in XXXX and XXXX and XXXX and XXXX * * Summary of Complaint : * * I am disputing the way Capital One is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).\n\nBoth notices are mandatory, and the furnisher must provide them to me in writing.\n\n* * Details of the Issue : * * - The account in question is a credit card issued by Capital One - The account reported positively for a period of time.\n\n- After I became delinquent, Capital One charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice.\n\n- I never received an Adverse Action Notice.\n\n* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit.\n\n- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report.\n\n* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.\n\n2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.\n\n* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.\n\n- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.\n\n* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.\n\n- Written confirmation that proof is provided or deletion of the charge-off occurs.","date_sent_to_company":"2025-08-28T19:33:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08005","tags":null,"has_narrative":true,"complaint_id":"15582081","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-08-28T19:29:36.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["* * Subject : * * Furnisher <em>Reporting</em> a Charge-Off Without Sending <em>Required</em> Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * <em>Capital</em> One * * Regarding : * * <em>Capital</em> One, Account ending in XXXX and XXXX and XXXX and XXXX * * Summary of Complaint : * * I am disputing the way <em>Capital</em> One is furnishing a charge-off on my consumer <em>report</em>. They have <em>failed</em> to comply with federal law by not providing me with either : 1."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"],"sub_product":["Credit <em>reporting</em>"]},"sort":[20.363234,"15582081"]},{"_index":"complaint-public-v1","_id":"18231712","_score":20.188639,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Compliant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX, TX XXXX RE : Capital One Auto Finance Violation of Consumer Laws and Unlawful Business Practices Submitted to : Consumer Financial Protection Bureau Product : Auto Loan / Vehicle Repossession Issue ( s ) : * Incorrect information on credit report * Attempted collection of debt not owed * Failure to provide required notices * Unfair and deceptive business practices * Improper repossession and deficiency billing I am submitting this complaint regarding Capital One Auto Finances unlawful repossession practices, improper billing, and inaccurate credit reporting, which have caused severe financial and employment-related harm. \n\n\nCapital One repossessed my vehicle under circumstances where I was unlawfully deprived of possession due to third-party interference. Another individual concealed my vehicle, denied me access for approximately XXXX years, and attempted to place multiple unauthorized liens on the vehicle. All lien attempts were denied by the State of California, confirming that I remained the lawful owner.\n\nDespite these facts, Capital One later repossessed the vehicle.\n\nFailure to Provide Required Notices ( California Law ) Capital One failed to provide any of the mandatory repossession notices required under California Civil Code 2983.2 ( Rees-Levering Motor Vehicle Sales and Finance Act ) : including : * No Notice of Seizure, and * No Notice of Intent to Dispose of a Motor Vehicle prior to sale.\n\nThe only communication I received was a generic message stating, * We can help get your car back, which does not satisfy statutory notice requirements. \n\nUnder California law, failure to provide these notices bars the collection of any deficiency balance. Despite this, Capital One has issued a billrequesting payment of an alleged deficiency. \n\nImproper Billing and Collection Activity : While this account is actively disputed, Capital One has : Sent a bill demanding payment of a deficiency balance that is legally barred ; Failed to validate the debt or demonstrate lawful compliance with repossession requirements ; and Continued collection activity despite notice of dispute. \n\nThis conduct constitutes unfair and deceptive practicesand an attempt to collect an amount not legally owed. \n\nInaccurate Credit Reporting : Capital One is furnishing inaccurate and misleading information to consumer reporting agencies by : * Reporting a repossession that was not conducted in compliance with state law ; * Reporting or enforcing a deficiency balance prohibited under California law ; and * Failing to reasonably investigate and correct disputed information. \n\nThis violates : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) California Consumer Credit Reporting Agencies Act ( Cal. Civ. Code 1785.25 ) Consumer Harm : As a direct result of Capital Ones actions : I have been unable to obtain gainful employment, as adverse credit information has been used against me in employment-related screening. \nI have been forced to rely on public assistance and benefits due to the loss of employment opportunities caused by the damaged credit profile. \nMy creditworthiness has been falsely and unfairly portrayed, causing ongoing economic harm. \nI have experienced substantial financial and emotional distress. \n\nThe inaccurate reporting and unlawful billing amount to a serious misrepresentation of my financial reliability and financial profile. This adverse action has had lasting consequences beyond ordinary credit inconvenience.","date_sent_to_company":"2025-12-22T22:30:52.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"77346","tags":null,"has_narrative":true,"complaint_id":"18231712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-22T21:42:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Deficiency balance after repossession"},"highlight":{"complaint_what_happened":["Failure to <em>Provide</em> <em>Required</em> Notices ( California Law ) <em>Capital</em> One <em>failed</em> to <em>provide</em> any of the mandatory repossession notices <em>required</em> under California Civil Code 2983.2 ( Rees-Levering Motor Vehicle Sales and Finance Act ) : including : * No Notice of Seizure, and * No Notice of Intent to Dispose of a Motor Vehicle prior to sale.\n\nThe only communication I received was a generic message stating, * We can help get your car back, which does not satisfy statutory notice requirements."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[20.188639,"18231712"]},{"_index":"complaint-public-v1","_id":"19076822","_score":20.150393,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Minnesota XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Complaint Intake Department https : XXXX Re : CFPB Complaint Capital One Bank XXXX XXXX ) XXXX XXXX. \nInconsistent and Contradictory Adverse Action Determinations Denial of Venture Credit Card Application ID XXXX I. INTRODUCTION This correspondence constitutes a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against Capital One Bank ( XXXX ), XXXX. ( hereinafter \" Capital One '' ) for inconsistent, contradictory, and potentially unlawful adverse action practices in connection with my application for a Capital One XXXX credit card, XXXX ID XXXX. \nSpeci my application for stated reasons. However, in response to my subsequent dispute and CFPB complaint, Capital One issued a letter dated XX/XX/XXXX, asserting that they have \" no record of a XXXX credit card application submitted for XX/XX/XXXX '' and implying that no adverse action notice was ever issued. \nThis contradictiondenying an application in writing on XX/XX/XXXX, then claiming no record of that application exists on XX/XX/XXXX, XXXX serious questions about Capital One 's compliance with the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., Regulation B, 12 C.F .R. 1002, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. \nXXXX. FACTUAL BACKGROUND A. Original Application and Adverse Action Notice ( XX/XX/XXXX ) On or about XX/XX/XXXX, I submitted an application for a Capital One XXXX credit card. \nCapital One issued an adverse action notice dated XX/XX/XXXX ( attached ), addressed to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX The notice clearly identi Application ID : XXXX Creditor : Capital One N.A. \nDecision : Denied The notice stated XXXX reasons for denial : XXXX. Based on your application information, there is a currently pending or recently processed application with Capital One XXXX. Based on your application information, there are too many delinquent past or present Capital One credit obligation ( XXXX ) XXXX. Based on your application information, you have previously earned a spend bonus on this product The XX/XX/XXXX letter further stated : \" If you feel we missed something or misread your information, then please write to us at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, UT XXXX and include your Application ID number referenced above. \n\" B. Subsequent Dispute and CFPB Complaint Following the XX/XX/XXXX denial, I pursued the following actions : XXXX. XX/XX/XXXX : I sent a formal dispute letter to Capital One demanding speci written disclosure of reasons for the adverse action, itemized explanations, consumer reporting agency disclosures, and manual reconsiderationall as required by ECOA/Regulation B and FCRA. \nXXXX. XX/XX/XXXX : Capital One responded with a letter ( attached ) that contradicts the XX/XX/XXXX adverse action notice. \nXXXX Capital One 's Contradictory XX/XX/XXXX Response Capital One 's XX/XX/XXXX letter states : \" We have no record of a Venture credit card application submitted for XX/XX/XXXX. Secondly, we have not received a previous request for a manual application review, or a request for an adverse action letter, as you indicated in your submission. \n\" Capital One then invited me to \" fax a copy to XXXX, or mail it to the above address, \" suggesting that if I provide documentation of a credit report showing their denial, they will \" take another look. \n\" XXXX. LEGAL VIOLATIONS AND VIOLATIONS OF CFPB ENFORCEMENT AUTHORITY A. Inconsistency Regarding the Existence of an Application and Adverse Action Notice Capital One can not simultaneously : XXXX. Issue an adverse action notice dated XX/XX/XXXX, denying XXXX ID XXXX, and XXXX. Claim on XX/XX/XXXX, that they \" have no record of a XXXX credit card application '' This contradiction suggests XXXX of the following violations : XXXX. Defective Record-Keeping and Compliance Failures ( ECOA/Regulation B ) Regulation B, 12 C.F .R. 1002.12, requires creditors to retain and preserve records related to credit applications and adverse action notices for at least XXXX year from the date of notice. \nCapital One 's claim that they have \" no record '' of an application they denied in writing contradicts this requirement and suggests : Possible destruction or loss of required compliance records Inadequate information systems to track adverse actions Failure to properly document or preserve adverse action compliance XXXX. Contradictory Adverse Action Notices ( ECOA/Regulation B Violation ) Under 15 U.S.C. 1691 ( d ) and 12 C.F .R. 1002.9 ( a ) ( 1 ), a creditor must provide a clear and conspicuous written statement of the speci Capital One provided such a notice on XX/XX/XXXX. \nBy subsequently denying that the application or adverse action ever occurred, Capital One : Undermines the integrity and enforceability of the XX/XX/XXXX notice Suggests possible document tampering or record falsi Demonstrates inconsistency that may itself constitute bad faith XXXX. Potential Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP Violation ) Under the Dodd-Frank Act, 15 U.S.C. 1681a, the CFPB has authority to enforce against unfair, deceptive, or abusive acts or practices ( XXXX ). Capital One 's contradictory statementsissuing a denial in XX/XX/XXXX, then claiming no record exists in XX/XX/XXXX constitute : Deceptive conduct : Making materially false or misleading representations about whether an application or adverse action notice exists Unfair conduct : Shifting the burden onto the consumer to prove that the creditor 's own adverse action notice is legitimate Abusive conduct : Taking advantage of a reasonable consumer 's reliance on o adverse action notices by later denying their existence B. Failure to Provide Adequate Adverse Action Notice Disclosures Even accepting Capital One 's XX/XX/XXXX notice as compliant on its face, the notice contains only generic, boilerplate reasons that do not comply with Regulation B 's requirement for \" speci 12 C.F .R. 1002.9 ( a ) ( 2 ) requires : \" If the credit decision is adverse, the statement of reasons shall be speci not be generalized, vague, or do not re circumstances. \n\" Capital One 's XXXX stated reasons : XXXX. \nXXXX. \nXXXX. \n\" Currently pending or recently processed application with Capital One '' Does not identify which application, when it was processed, why it triggered a denial on a di denials. \n\" Too many delinquent past or present Capital One credit obligation ( XXXX ) '' Does not de \" identify which accounts, specify the delinquency threshold, or explain how recent delinquencies on actively-managed accounts factored into this decision. \n\" Previously earned a spend bonus on this product '' Does not explain whether this is an absolute bar to new applications, whether exceptions exist, or how this policy applies to consumers with improving payment histories. \nCFPB guidance and case law con Generic codes and boilerplate language do not satisfy Regulation B 's \" speci requirement circumstances Creditors must tailor their adverse action statements to the individual applicant 's Vague statements that could apply to thousands of applicants are per se insu Capital One 's failure to provide itemized, individualized explanations of how each reason applied to my speci ( 2 ).\n\nC. Inadequate Consumer Reporting Agency Disclosures ( FCRA Violation ) Under 15 U.S.C. 1681m ( a ), when a creditor bases an adverse credit decision on information from a consumer reporting agency, the creditor must disclose : XXXX. The name, address, and telephone number of each consumer reporting agency XXXX. The date on which the consumer reporting agency report was obtained Capital One 's XX/XX/XXXX adverse action notice does not identify : Whether the decision was based on internal Capital One data, external credit-bureau data XXXX or both Which credit bureaus ( Equifax, Experian, TransUnion, XXXX specialty agencies ) were consulted The speci What credit scores or credit-report Without these disclosures, I can not evaluate the accuracy of the information Capital One relied upon, can not dispute inaccurate data with the bureaus, and can not exercise my rights under the FCRA. \nIV. IMPACT ON CONSUMER Capital One 's contradictory statements have caused the following harms : XXXX. Confusion and Obstruction : Capital One 's XX/XX/XXXX letter created confusion about whether the XX/XX/XXXX denial was legitimate and suggested that I must produce evidence of my own credit report to prove that Capital One 's denial letter is real shifting an unfair burden onto me. \nXXXX. Inability to Pursue Remedies : By denying the existence of the application and adverse action, Capital One attempted to foreclose my ability to pursue reconsideration, dispute inaccurate information, or seek regulatory relief. \nXXXX. Stalled FCRA Disputes : The contradictory response has delayed my ability to obtain speci national credit bureaus under 15 U.S.C. 1681i. \nXXXX. Reputational and Financial Harm : The con about the legitimacy of the original denial and suggests possible systemic failures in Capital One 's record-keeping and compliance systems. \nV. DEMAND FOR CFPB INVESTIGATION AND ENFORCEMENT I respectfully request that the CFPB : XXXX. Investigate Capital One 's record-keeping and compliance systems to determine whether Capital One has systematically failed to preserve adverse action records or has issued contradictory adverse action notices in other cases. \nXXXX. Demand that Capital One provide written XXXX XXXX","date_sent_to_company":"2026-01-28T19:02:03.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"55116","tags":null,"has_narrative":true,"complaint_id":"19076822","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-28T18:45:50.000Z","state":"MN","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Investigate <em>Capital</em> One 's record-keeping and <em>compliance</em> systems to determine whether <em>Capital</em> One has systematically <em>failed</em> to preserve <em>adverse</em> action records or has issued contradictory <em>adverse</em> action notices in other cases. \nXXXX. Demand that <em>Capital</em> One <em>provide</em> written XXXX XXXX"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[20.150393,"19076822"]},{"_index":"complaint-public-v1","_id":"16592039","_score":19.674324,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * JEFFERSON CAPITAL SYST * * Regarding : * * JEFFERSON CAPITAL SYST , Account no : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way JEFFERSON CAPITAL SYST is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).\n\nBoth notices are mandatory, and the furnisher must provide them to me in writing. \n\n* * Details of the Issue : * * - The account in question is a credit card issued by JEFFERSON CAPITAL SYST_- The account reported positively for a period of time.\n\n- After I became delinquent, JEFFERSON CAPITAL SYST charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. \n\n- I never received an Adverse Action Notice. \n\n* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. \n\n- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. \n\n* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.\n\n2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.\n\n* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.\n\n- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.\n\n* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. \n\n- Written confirmation that proof is provided or deletion of the charge-off occurs.","date_sent_to_company":"2025-10-16T00:32:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46227","tags":null,"has_narrative":true,"complaint_id":"16592039","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-10-16T00:28:40.000Z","state":"IN","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["* * Subject : * * Furnisher <em>Reporting</em> a Charge-Off Without Sending <em>Required</em> Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * JEFFERSON <em>CAPITAL</em> SYST * * Regarding : * * JEFFERSON <em>CAPITAL</em> SYST , Account no : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way JEFFERSON <em>CAPITAL</em> SYST is furnishing a charge-off on my consumer <em>report</em>. They have <em>failed</em> to comply with federal law by not providing me with either : 1."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[19.674324,"16592039"]},{"_index":"complaint-public-v1","_id":"16179232","_score":19.655918,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * CAPITAL ONE * * Regarding : * * CAPITAL ONE, Account no : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way CAPITAL ONE is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).\n\nBoth notices are mandatory, and the fur\nnisher must provide them to me in writing.\n\n* * Details of the Issue : * * - The account in question is a credit card issued by CAPITAL ONE - The account reported positively for a period of time. \n\n- After I became delinquent, CAPITAL ONE charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. \n\n- I never received an Adverse Action Notice. \n\n* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. \n- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. \n\n* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.\n\n2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.\n\n* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished. \n- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.\n\n* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. \n- Written confirmation that proof is provided or deletion of the charge-off occurs.","date_sent_to_company":"2025-09-25T17:03:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"64114","tags":null,"has_narrative":true,"complaint_id":"16179232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-09-25T16:59:20.000Z","state":"MO","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["* * Subject : * * Furnisher <em>Reporting</em> a Charge-Off Without Sending <em>Required</em> Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * <em>CAPITAL</em> ONE * * Regarding : * * <em>CAPITAL</em> ONE, Account no : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way <em>CAPITAL</em> ONE is furnishing a charge-off on my consumer <em>report</em>. They have <em>failed</em> to comply with federal law by not providing me with either : 1."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"],"sub_product":["Credit <em>reporting</em>"]},"sort":[19.655918,"16179232"]},{"_index":"complaint-public-v1","_id":"16153140","_score":19.655918,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * CAPITAL ONE * * Regarding : * * CAPITAL ONE, Account no : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : XXXX XXXX  I am disputing the way CAPITAL ONE s furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). \n\nBoth notices are mandatory, and the furnisher must provide them to me in writing. \n\n* * Details of the Issue : * * - The account in question is a credit card issued by CAPITAL ONE - The account reported positively for a period of time. \n- After I became delinquent, CAPITAL ONE charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. \n- I never received an Adverse Action Notice. \n\n* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. \n- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. \n\n* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies. \n2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. \n\n* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.\n\n- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.\n\n* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.\n\n- Written confirmation that proof is provided or deletion of the charge-off occurs.","date_sent_to_company":"2025-09-24T18:20:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78245","tags":null,"has_narrative":true,"complaint_id":"16153140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-09-24T18:16:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["* * Subject : * * Furnisher <em>Reporting</em> a Charge-Off Without Sending <em>Required</em> Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * <em>CAPITAL</em> ONE * * Regarding : * * <em>CAPITAL</em> ONE, Account no : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : XXXX XXXX  I am disputing the way <em>CAPITAL</em> ONE s furnishing a charge-off on my consumer <em>report</em>. They have <em>failed</em> to comply with federal law by not providing me with either : 1."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"],"sub_product":["Credit <em>reporting</em>"]},"sort":[19.655918,"16153140"]},{"_index":"complaint-public-v1","_id":"15862110","_score":19.641603,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau XXXX CFPB ) * * From : * * CAPITAL ONE * * Regarding : * * CAPITAL ONE, Account no. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way CAPITAL ONE is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : XXXX. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).\n\nBoth notices are mandatory, and the furnisher must provide them to me in writing.\n\n* * Details of the Issue : * * - The account in question is a credit card issued by CAPITAL ONE - The account reported positively for a period of time. \n- After I became delinquent, CAPITAL ONE charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. \n- I never received an Adverse Action Notice. \n\n* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. \n- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. \n\n* * What I Am Requesting : * * XXXX. Provide proof that both required notices were mailed to me, and provide actual copies. \nXXXX. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. \n\n* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( XXXX ) and makes the tradeline unlawfully furnished. \n- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.\n\n* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. \n- Written confirmation that proof is provided or deletion of the charge-off occurs.","date_sent_to_company":"2025-09-11T15:17:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94601","tags":null,"has_narrative":true,"complaint_id":"15862110","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-09-11T00:11:40.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["* * Subject : * * Furnisher <em>Reporting</em> a Charge-Off Without Sending <em>Required</em> Notices * * To : * * Consumer Financial Protection Bureau XXXX CFPB ) * * From : * * <em>CAPITAL</em> ONE * * Regarding : * * <em>CAPITAL</em> ONE, Account no. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way <em>CAPITAL</em> ONE is furnishing a charge-off on my consumer <em>report</em>. They have <em>failed</em> to comply with federal law by not providing me with either : XXXX."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"],"sub_product":["Credit <em>reporting</em>"]},"sort":[19.641603,"15862110"]},{"_index":"complaint-public-v1","_id":"16542486","_score":19.61454,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * CAPITAL ONE * * Regarding : * * CAPITAL ONE, Account no : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way CAPITAL ONE is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).\n\nBoth notices are mandatory, and the furnisher must provide them to me in writing.\n\n* * Details of the Issue : * * - The account in question is a credit card issued by CAPITAL ONE - The account reported positively for a period of time. \n- After I became delinquent, CAPITAL ONE charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. \n- I never received an Adverse Action Notice. \n\n* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. \n- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report.\n\n* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.\n\n2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.\n\n* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.\n\n- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.\n\n* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.\n\n- Written confirmation that proof is provided or deletion of the charge-off occurs.","date_sent_to_company":"2025-10-13T19:45:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19711","tags":null,"has_narrative":true,"complaint_id":"16542486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-10-13T19:41:29.000Z","state":"DE","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["* * Subject : * * Furnisher <em>Reporting</em> a Charge-Off Without Sending <em>Required</em> Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * <em>CAPITAL</em> ONE * * Regarding : * * <em>CAPITAL</em> ONE, Account no : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way <em>CAPITAL</em> ONE is furnishing a charge-off on my consumer <em>report</em>. They have <em>failed</em> to comply with federal law by not providing me with either : 1."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"],"sub_product":["Credit <em>reporting</em>"]},"sort":[19.61454,"16542486"]},{"_index":"complaint-public-v1","_id":"18225613","_score":19.610773,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * CAPITAL ONE * * Regarding : * * CAPITAL ONE, Account no : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way CAPITAL ONE is furnishing a charge-off on my consumer report.\n\nThey have failed to comply with federal law by not\n\nproviding me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). Both notices are mandatory, and the furnisher must provide them to me in writing.\n\n* * Details of the Issue : * * - The account in question is a credit card issued by CAPITAL ONE - The account reported positively for a period of time.\n\n- After I became delinquent, CAPITAL ONE charged it off and began reporting derogatory information to the credit bureaus.\n\n- I never received a Negative Information Notice.\n\n- I never received an Adverse Action Notice.\n\n* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit.\n\n- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report.\n\n* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.\n\n2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.\n\n* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.\n\n- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.\n\n* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.\n\n- Written confirmation that proof is provided or deletion of the charge-off occurs","date_sent_to_company":"2025-12-22T19:25:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08005","tags":null,"has_narrative":true,"complaint_id":"18225613","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-22T19:13:48.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["* * Subject : * * Furnisher <em>Reporting</em> a Charge-Off Without Sending <em>Required</em> Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * <em>CAPITAL</em> ONE * * Regarding : * * <em>CAPITAL</em> ONE, Account no : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : * * I am disputing the way <em>CAPITAL</em> ONE is furnishing a charge-off on my consumer <em>report</em>.\n\nThey have <em>failed</em> to comply with federal law by not\n\nproviding me with either : 1."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"],"sub_product":["Credit <em>reporting</em>"]},"sort":[19.610773,"18225613"]},{"_index":"complaint-public-v1","_id":"16655863","_score":19.610773,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * JEFFERSON CAPITAL SYSTEM * * Regarding : * * JEFFERSON CAPITAL SYSTEM, Account NO : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way JEFFERSON CAPITAL SYSTEM is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).\n\nBoth notices are mandatory, and the furnisher must provide them to me in writing.\n\n* * Details of the Issue : * * - The account in question is a credit card issued by JEFFERSON CAPITAL SYSTEM- The account reported positively for a period of time - After I became delinquent, JEFFERSON CAPITAL SYSTEM charged it off and began reporting derogatory information to the credit bureaus. \n\n- I never received a Negative Information Notice.- I never received an Adverse Action Notice. \n\n* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. \n\n- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report.\n\n* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.\n\n2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.\n\n* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.\n\n* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.\n\n- Written confirmation that proof is provided or deletion of the charge-off occurs","date_sent_to_company":"2025-10-17T20:53:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95361","tags":null,"has_narrative":true,"complaint_id":"16655863","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-10-17T20:46:33.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["* * Subject : * * Furnisher <em>Reporting</em> a Charge-Off Without Sending <em>Required</em> Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * JEFFERSON <em>CAPITAL</em> SYSTEM * * Regarding : * * JEFFERSON <em>CAPITAL</em> SYSTEM, Account NO : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way JEFFERSON <em>CAPITAL</em> SYSTEM is furnishing a charge-off on my consumer <em>report</em>. They have <em>failed</em> to comply with federal law by not providing me with either : 1."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[19.610773,"16655863"]},{"_index":"complaint-public-v1","_id":"21511078","_score":19.555676,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Subject : Prancer Capital Failure to Provide ECOA Adverse Action Notice, Misrepresentation of Approval Status, Mishandling of Personal Information, and Possible Identity Misuse I am filing this complaint because Prancer Capital failed to provide the disclosures required under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ) regarding a credit application submitted on or about XX/XX/XXXX through XXXX XXXX XXXX XXXX ( XXXX ). \nThe dealership informed me that Prancer Capital approved my application. Based on this approval, I was allowed to take the vehicle home and insured it through XXXX XXXX. The Declaration Page listed Prancer Capital as the lienholder, which can only occur if the lender approved the financing or the dealership represented that it had been approved. \n( Declaration Page Uploaded ) ( Picture of Vehicle Uploaded ) Several days later, I was told to bring the vehicle back to the dealership Prancer Capital had reversed the approval and denied the application. I never received the required Adverse Action Notice, the credit bureau used, or any written explanation. This is a direct violation of ECOA 1691 ( d ) and Regulation B ( 12 CFR 1002.9 ).\n\nWritten Demand Sent to Prancer Capital On XXXX XXXX XXXX XXXX XXXX XXXX, I emailed XXXX, addressed to the Compliance Officer, attaching a formal ECOA/FCRA demand letter and notifying them that the same request was being sent via USPS Certified Mail XXXX I requested : XXXX. A copy of the Adverse Action Notice XXXX. A sworn statement confirming the final status of the application XXXX. Copies of any credit scores, credit data, and the name of the credit reporting agency used I also mailed a physical copy to : Compliance Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX No response was received to either the email or the mailed request. \nCommunication Attempts and Concerning Statements XXXX XXXX XXXX XXXX XXXX : I called ( XXXX ) XXXX XXXX and spoke with XXXX XXXX XXXX XXXX. She stated the company does not issue any documents regarding approvals or denials, refused to provide a funding letter, and transferred me to Compliance. No one answered. I left a detailed voicemail. \nXX/XX/XXXX : I received a call from XXXX XXXX XXXX  ). I returned the call at XXXX XXXX and left a voicemail. I left another voicemail at XXXX XXXX requesting a return call. \nXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX second recorded call ) : I spoke with XXXX, who stated that XXXX was the highest person available. During the transfer, XXXX ( XXXX ) answered and stated : This is not my desk. \nWe dont issue letters for approvals or denials. \nWe dont provide anything. \nAn adverse action notice is not legal. \nXXXX refused to provide her managers name. \nXXXX then asked whether I was requesting a letter of denial. I explained I had already been told the company does not issue approvals or denials. She confirmed : We dont. No, that is not something we do. \nWhen I asked what documentation the company does provide, she repeated : We dont provide anything. \nAt her request, I provided my name. XXXX then stated she had spoken with upper management, including the owner of the company. She asked whether my inquiry concerned a XXXX XXXX XXXX. When I asked why she referenced that vehicle, she immediately said No maam, spoke over me, and appeared confused. She stated the XXXX XXXX was referring to had a finalized loan. \nI clarified the date of my application on or about ( XX/XX/XXXX ). I asked whether the owner she referenced was XXXX XXXX ; she said no. I asked whether it was XXXX ; she placed me on hold and never returned. \nThis raises serious concerns about identity confusion, mixed files, or improper access to consumer information. \nWhy This Conduct Is Concerning Prancer Capitals behavior raises multiple federal concerns : Failure to provide an ECOA required Adverse Action Notice Misrepresentation of approval status Lienholder listed on insurance despite alleged denial Confusion about my identity and reference to another consumers vehicle Possible mixed file or identity misuse Mishandling of sensitive personal information ( name, address, SSN ) False statements that adverse action notices are not legal Refusal to identify supervisors or compliance personnel Evasive behavior and refusal to return calls Pattern of unfair, deceptive, or abusive acts or practices ( UDAAP ) Prancer Capital had multiple opportunitiesvia phone, voicemail, email, and written mailto comply with federal law and refused to provide any documentation. \nRequested Action Supporting documentation ( call logs, screenshots, insurance declaration page, and dealership records ) is available upon request.","date_sent_to_company":"2026-04-23T02:36:31.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"27804","tags":"Servicemember","has_narrative":true,"complaint_id":"21511078","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PRANCER CAPITAL CORP","date_received":"2026-04-23T02:05:00.000Z","state":"NC","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["Subject : Prancer <em>Capital</em> Failure to <em>Provide</em> ECOA <em>Adverse</em> Action Notice, Misrepresentation of Approval Status, Mishandling of Personal Information, and Possible Identity Misuse I am filing this complaint because Prancer <em>Capital</em> <em>failed</em> to <em>provide</em> the disclosures <em>required</em> under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit <em>Reporting</em> Act ( FCRA ) regarding a credit application submitted on or about XX/XX/XXXX through XXXX XXXX XXXX XXXX ( XXXX )."],"company":["PRANCER <em>CAPITAL</em> CORP"]},"sort":[19.555676,"21511078"]},{"_index":"complaint-public-v1","_id":"11295951","_score":19.08154,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Unauthorized Reporting of Late Payments and Account Closure Violations Complaint Against : Capital One N.A.\n\nAddress : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Nature of the Complaint I am filing this complaint regarding the unauthorized and inaccurate reporting of late payments and the improper closure of my account by Capital One N.A. , as well as the subsequent reporting of this information by XXXX and XXXX. Despite sending a letter to Capital One on XX/XX/year>, requesting clarification and compliance with applicable laws, I have not received any response.\n\nThe actions of these entities violate several provisions of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ), as outlined below : Issues\nwith Capital One N.A. \nXXXX. Improper Account Closure : On XX/XX/year>, I received a letter from Capital One N.A. stating my accounts ending in XXXX, XXXX, and XXXX was closed due to \" account behavior not consistent with Capital Ones expectations. '' The explanation provided is vague and fails to meet the specificity requirements mandated by Regulation B of the ECOA ( 12 CFR 1002.9 ).\n\nNo prior notice or opportunity to address alleged issues was given before the account closure, violating transparency and fairness standards under the ECOA.\n\n2. Failure to Respond to Consumer Inquiry : On XX/XX/year>, I sent a letter to Capital One requesting : A specific reason for the account closure, including any applicable adverse action codes ( C-1 to C-10 ).\n\nA GAAP-certified accounting of any alleged late payments.\n\nReconsideration of the account closure and compliance with federal regulations, including the ECOA and FCRA.\n\nTo date, Capital One has failed to respond, demonstrating a lack of accountability and transparency.\n\n3. Inaccurate Reporting of Late Payments : After the closure, Capital One inaccurately reported late payments on my account to XXXX and XXXX. These late payments were never communicated to me, nor was I given an opportunity to resolve them.\n\nThis reporting violates the FCRA ( 15 U.S.C. 1681s-2 ), which prohibits furnishers of information from reporting inaccurate or incomplete information.\n\n4. Failure to Provide Full Accounting : Despite my requests for an itemized and GAAP-certified accounting of any alleged late payments, Capital One has not provided this information, further violating transparency obligations. \n\nIssues with XXXX and XXXX XXXX. Failure to Ensure Accuracy : Both XXXX and XXXX have included inaccurate late payments from Capital One on my credit report without verifying the validity of this information.\n\nThis violates their obligations under 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum accuracy of the information they include in consumer reports.\n\n2. Failure to Investigate Disputes : I filed disputes with XXXX and XXXX regarding these inaccuracies, but both agencies failed to conduct a thorough investigation as required under 15 U.S.C. 1681i ( a ).\n\nNo corrective actions were taken despite the lack of evidence supporting the reported late payments. \n\nHarm Caused The inaccurate reporting of late payments and the improper closure of my account have caused significant harm, including : A reduction in my credit score.\n\nDifficulty in obtaining credit, which has impacted my financial stability.\n\nEmotional distress due to the lack of transparency and unfair treatment by these entities.\n\nRelief Sought I respectfully request that the CFPB take the following actions : 1. Against Capital One N.A. : Investigate the improper closure of my account and failure to provide a legally compliant explanation under the ECOA.\n\nInvestigate Capital Ones failure to respond to my letter dated XX/XX/year>. \nRequire Capital One to provide a GAAP-certified accounting of any alleged late payments, signed under penalty of perjury.\n\nDirect Capital One to correct any inaccurate information reported to credit bureaus. \n\nXXXX. Against XXXX and XXXX : Investigate their failure to verify the accuracy of the late payments reported by Capital One.\n\nRequire the removal of all inaccurate information from my credit reports.\n\nEnsure compliance with their obligations under 15 U.S.C. 1681e ( b ) and 1681i ( a ).\n\n3. General : Provide compensation for damages caused by the inaccurate reporting and account closure.\n\nSupporting Documentation I will provide the following documentation upon request : The letters from Capital One dated XX/XX/year>. \nMy XX/XX/year> letter to Capital One and proof of mailing.\n\nThank you for your prompt attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-27T20:20:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30043","tags":null,"has_narrative":true,"complaint_id":"11295951","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-12-27T19:11:45.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Against XXXX and XXXX : Investigate their failure to verify the accuracy of the late payments <em>reported</em> by <em>Capital</em> One.\n\n<em>Require</em> the removal of all inaccurate information from my credit <em>reports</em>.\n\nEnsure <em>compliance</em> with their obligations under 15 U.S.C. 1681e ( b ) and 1681i ( a ).\n\n3. General : <em>Provide</em> compensation for damages caused by the inaccurate <em>reporting</em> and account closure."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"],"sub_product":["Credit <em>reporting</em>"]},"sort":[19.08154,"11295951"]},{"_index":"complaint-public-v1","_id":"8344477","_score":18.976421,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. \n\nThe collections account in question, associated with CAPITAL ONE, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. \n\nFurthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. \n\nThe collection agency, CAPITAL ONE, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. \n\nMoreover, CAPITAL ONE has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. \n\nI am disputing any ownership of debts to CAPITAL ONE. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. \nThe purchase agreement between myself and the original creditor. \nI expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. \n\nPlease provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. \n\nThank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. \n\nSincerely,","date_sent_to_company":"2024-02-14T19:03:16.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"33032","tags":null,"has_narrative":true,"complaint_id":"8344477","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-02-14T18:59:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["If the information is found to be inaccurate or if the collection agency <em>fails</em> to <em>provide</em> the <em>required</em> documentation, I demand the immediate removal of the collections account from my credit <em>report</em>. \n\nPlease <em>provide</em> written confirmation once the investigation is complete and any necessary corrections have been made to my credit <em>report</em>. \n\nThank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring <em>compliance</em> with consumer protection laws. \n\nSincerely,"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[18.976421,"8344477"]},{"_index":"complaint-public-v1","_id":"12976117","_score":18.971031,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Capital One Financial Corporation continues to engage in credit reporting and collection activities related to my three ( 3 ) accounts despite explicit written notification and demand letters disputing their authority and requesting a full investigation. Both notices were duly received by Capital One, as evidenced by return receipts dated XX/XX/year> ( Customer Service ), and XX/XX/year> ( Legal Department ). \n\nUnder the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), Capital One is obligated to immediately cease all reporting to credit bureaus and halt collection activities during the period in which the debt or account status is under dispute and investigation. \n\nCapital Ones continued reporting of adverse information without properly updating the account status to \" disputed '' explicitly violates 15 U.S.C. 1681s-2 ( a ) ( 3 ), requiring furnishers to mark accounts as disputed upon consumer notification. Their failure to cease collection activities and correct reporting demonstrates non-compliance and constitutes deceptive trade practices under 15 U.S.C. 45 ( FTC Act ). \n\nDespite receiving detailed demands for proof of authority, full accounting, sworn affidavits, and explicit requests to update credit reporting status, Capital One has failed to comply, provide justification, or even acknowledge the statutory requirements.","date_sent_to_company":"2025-04-15T01:57:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20904","tags":null,"has_narrative":true,"complaint_id":"12976117","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-04-15T01:25:58.000Z","state":"MD","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>Capital</em> Ones continued <em>reporting</em> of <em>adverse</em> information without properly updating the account status to \" disputed '' explicitly violates 15 U.S.C. 1681s-2 ( a ) ( 3 ), <em>requiring</em> furnishers to mark accounts as disputed upon consumer notification. Their failure to cease collection activities and correct <em>reporting</em> demonstrates non-<em>compliance</em> and constitutes deceptive trade practices under 15 U.S.C. 45 ( FTC Act )."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"],"sub_product":["Credit <em>reporting</em>"]},"sort":[18.971031,"12976117"]},{"_index":"complaint-public-v1","_id":"11195479","_score":18.675163,"_source":{"product":"Credit card","complaint_what_happened":"Purpose of Follow-Up Complaint : This is a follow-up to my initial complaint ( ID XXXX ) filed on XX/XX/XXXX, regarding Capital Ones denial of my credit application based on alleged activity on a prior account. At that time, I provided only the denial letter as evidence. \n\nKey Update : In this follow-up complaint, I am submitting additional evidence, including my XXXX, XXXX, and XXXX credit XXXX, which confirm that I have no prior account with Capital One. \n\nSummary of the Original Complaint : XXXX. Denial of Credit Application ( Request ID : XXXX ) : Capital Ones Reason for Denial : Activity on a prior Capital One account that is not consistent with their expectations. \nMy Position : I have never held a Capital One account, and no such activity exists in my credit history. \nThis claim appears to be based on inaccurate or nonexistent information.\n\n2. Key Legal Violations Identified in Original Complaint : Failure to Provide Specific and Accurate Adverse Action Notice ( 15 U.S.C. 1691 ( d ) ( 2 ) ).\n\nFailure to Investigate and Correct Errors When Informed ( 15 U.S.C. 1681s-2, FCRA ).\n\n3. Request for Resolution in Original Complaint : Provide specific evidence supporting the adverse action, or Correct their records if no such account exists.\n\nNew Supporting Evidence Submitted : This follow-up includes my full credit reports from XXXX, XXXX, and XXXX ( XXXX XX/XX/XXXX ), which show : No record of a Capital One account under my name. \nNo prior adverse activity attributed to Capital One or any related creditor. \n\nBy submitting these reports, I aim to give Capital One the opportunity to complete their investigation properly and provide a lawful resolution. \n\nCapital Ones Continued Non-Compliance with Federal Law : 1. Violation of ECOAs Adverse Action Notice Requirements ( 15 U.S.C. 1691 ( d ) ( 2 ) ) : Statutory Requirement : Creditors must provide a specific and clear reason for adverse action within 30 days of a completed application.\n\nViolation : Capital Ones vague explanationactivity on a prior accountfails to meet the legal standard of specificity.\n\nTheir inability to substantiate this claim constitutes a breach of ECOA.\n\nPenalty for Violation ( 15 U.S.C. 1691e ) : Actual damages, Punitive damages up to {$10000.00} per violation, and Injunctive relief to prevent further violations.\n\n2. Failure to Investigate and Correct Errors ( FCRA, 15 U.S.C. 1681s-2 ) : Statutory Requirement : Upon notification of disputed information, creditors must conduct a reasonable investigation and correct errors in their records.\n\nViolation : Despite being informed of this error, Capital One has failed to investigate or provide evidence to support their claim.\n\nThis negligence violates the FCRAs requirements for prompt and accurate resolution of disputes.\n\nPenalty for Violation : Statutory damages up to {$1000.00} per violation, Actual damages caused by reliance on false information, and Attorney fees and costs under 15 U.S.C. 1681n and 1681o.\n\n3. Breach of Timely Communication Obligations : Despite Capital One stating on XX/XX/XXXX, that their investigation required additional time, there has been no further update or resolution. \nThis delay impedes my ability to seek fair treatment and violates CFPB standards for timely responses. \n\nRelevant Case Law : 1. Treadway v. Gateway Chevrolet Oldsmobile , Inc., 362 F.3d 971 ( 7th Cir. 2004 ) : Held that creditors must provide clear and specific reasons for adverse actions under ECOA. Generic explanations are insufficient.\n\n2. Anderson v. Capital One Bank, 224 F.R.D. 444 ( W.D. Wis. 2004 ) : Reinforced creditors duty to substantiate adverse action claims when challenged.\n\n3. Cortez v. Trans Union , LLC, 617 F.3d 688 ( 3rd Cir. 2010 ) : Affirmed the duty to correct inaccuracies promptly under the FCRA.","date_sent_to_company":"2024-12-18T20:54:05.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11195479","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-12-18T20:49:02.000Z","state":"GA","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["New Supporting Evidence Submitted : This follow-up includes my full credit <em>reports</em> from XXXX, XXXX, and XXXX ( XXXX XX/XX/XXXX ), which show : No record of a <em>Capital</em> One account under my name. \nNo prior <em>adverse</em> activity attributed to <em>Capital</em> One or any related creditor. \n\nBy submitting these <em>reports</em>, I aim to give <em>Capital</em> One the opportunity to complete their investigation properly and <em>provide</em> a lawful resolution. \n\n<em>Capital</em> Ones Continued Non-<em>Compliance</em> with Federal Law : 1."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[18.675163,"11195479"]},{"_index":"complaint-public-v1","_id":"13304786","_score":18.581585,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"NOTICE OF ADVERSE ACTION RESPONSE AND DEMAND FOR COMPLIANCE Date : XX/XX/2025 This correspondence constitutes a formal response to the adverse action notice issued by Capital One, N.A. \non or about XX/XX/2025, in connection with a denied request for auto loan financing. According to the notice, the denial was based on unspecified subjective criteria, including \" insufficient credit history '' and \" excessive obligations in relation to income. '' This letter serves to challenge the legitimacy of that decision and assert lawful claims based on established federal statutes and commercial credit structure. \n1. Absence of Clear and Lawful Underwriting Standards The adverse action notice failed to disclose any measurable, uniform, or federally compliant credit evaluation standards used to determine credit eligibility. The vague reasoning that the applicant has \" insufficient credit history '' or \" excessive obligations '' is insufficient under : - 15 U.S.C. 1691 ( d ) of the Equal Credit Opportunity Act ( ECOA ), which requires that creditors provide specific, verifiable reasons for denial and prohibits reliance on opaque or discretionary factors that result in disparate impact ; - 15 U.S.C. 1681m ( a ) of the Fair Credit Reporting Act ( FCRA ), which mandates the disclosure of key factors influencing adverse decisions, and the name and source of any consumer report relied upon ; - 12 C.F.R. 1002.9 ( Regulation B ), which requires creditors to state in writing the precise reasons for credit denial, not generalities.","date_sent_to_company":"2025-05-02T09:30:46.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"10024","tags":null,"has_narrative":true,"complaint_id":"13304786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-05-02T09:09:14.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["NOTICE OF <em>ADVERSE</em> ACTION RESPONSE AND DEMAND FOR <em>COMPLIANCE</em> Date : XX/XX/2025 This correspondence constitutes a formal response to the <em>adverse</em> action notice issued by <em>Capital</em> One, N.A. \non or about XX/XX/2025, in connection with a denied request for auto loan financing."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[18.581585,"13304786"]},{"_index":"complaint-public-v1","_id":"10804979","_score":18.432291,"_source":{"product":"Credit card","complaint_what_happened":"Dear Capital One N.A., Application ID : XXXX I am writing to demand an immediate, thorough review of the denial of my Capital One Quicksilver Card application, based on the protections afforded by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 ). The insufficient explanation and procedural failures surrounding my adverse action notice indicate a potential breach of these statutes, and I am invoking my right to demand accurate, specific, and fair treatment. \n\nLegal Basis for Demanding Compliance and Procedural Fairness Capital Ones denial of my application must comply with established standards under the FCRA and ECOA. The following cases illustrate Capital Ones legal obligations and the consequences of failing to meet them. \n\nXXXX XXXX Capital One BankXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XX/XX/XXXX ) In this case, Capital Ones adverse action notification was found inadequate under FCRA guidelines. The court underscored that adverse action notices must contain explicit reasons, which permit applicants to meaningfully address and, if necessary, challenge the denial. Generalized or insufficient explanations violate FCRA requirements. My denial notices vague language '' incomplete or unverifiable information '' does not meet this standard. Capital One must provide a complete, itemized explanation that allows me to rectify any alleged inaccuracies. \n\nXXXX XXXX Capital One Bank XXXX XXXX ), XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX XXXX, XXXX ) This case reinforced that under the FCRA , Capital One must base adverse actions on accurate and clearly stated information from reliable sources. The court held that consumers are entitled to challenge any decision rooted in faulty or unclear information. The ambiguous and inadequate reasoning provided in my adverse action notice implies that Capital One may have violated this mandate, thus impeding my ability to understand or respond effectively. I demand that Capital One confirm the validity of the information relied upon and provide documentation of all evidence that led to this decision. \n\nXXXX XXXX Capital One Bank ( XXXX ), XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) In this case, the court scrutinized Capital Ones failure to provide specific denial reasons under ECOA. The court affirmed that ECOA mandates creditors to offer precise and non-discriminatory reasons for credit denial, allowing applicants to pursue corrective actions. Vague statements about unverifiable information are inadequate ; they obstruct transparency and fairness, which ECOA directly prohibits. I demand a clear articulation of the exact elements of my application deemed unverifiable, including any communication-related issues that affected the applications integrity. \n\nXXXX XXXX Capital One Bank, XXXX XXXX XXXXXXXX ( XXXX. XXXX. XXXX XXXX, XXXX ) This case demonstrated that Capital Ones decision-making process must be based on reliable, accurate data, with a duty to investigate disputed information. When a consumers credit eligibility is at stake, reliance on potentially inaccurate or unverified data without thorough investigation contravenes FCRA mandates. In light of this ruling, I demand that Capital One verify all data used in my denial and provide evidence supporting the accuracy and completeness of this data. Should any element of my credit information be found to be incorrect or unverifiable, I demand that my application be reconsidered in compliance with FCRA standards. \n\nXXXXXXXX XXXX Capital One Bank, XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) Here, Capital Ones obligations under the FCRA to respond adequately to disputes were underscored. The court ruled that Capital One must take consumer disputes seriously and act to resolve any inaccuracies in credit reporting. This case affirms that I am legally entitled to a reconsideration of my application if errors or unresolved disputes impacted the decision. The communication failures that occurred during my application process may have contributed to incomplete or inaccurate information being used. I demand that Capital One provide a comprehensive review of this interaction, correct any data discrepancies, and clarify whether communication issues affected the decision. \n\nXXXX XXXX Capital One, N.A., XXXX XXXX XXXX ( XXXX Md. XXXX XXXX, XXXX ) This case further emphasized that Capital One must ensure adverse action notices under FCRA contain sufficient detail for applicants to address issues. The court underscored that a lack of detail hinders applicants ability to pursue meaningful corrective actions. Given the legal precedent in XXXX, Capital Ones failure to provide specific details in my adverse action notice constitutes a procedural and statutory violation. I demand Capital One outline, in detail, all adverse information influencing my application, particularly regarding unverifiable items. \n\nAdditional Issue : Communication Barriers Affecting Procedural Fairness During my application process, technical issues with a Capital One representative made it challenging to communicate critical information accurately. This communication failure may have led to an incomplete or inaccurate portrayal of my application, a barrier that violates the fairness principles under ECOA, 15 U.S.C. 1691. Equal access to credit requires a process unimpeded by avoidable procedural failures. Given these issues, I demand that Capital One reexamine the accuracy and integrity of my application, accounting for potential communication-related misunderstandings. \n\nFormal Demands In light of the legal precedents and federal statutes detailed above, I formally demand the following from Capital One : Provision of Detailed Reasons for Denial : As illustrated in the cases above, the general statement about unverifiable information fails to satisfy legal requirements. I demand a comprehensive list of all specific reasons for my applications denial to allow me a fair opportunity to address any issues. \n\nVerification and Correction of Any Inaccurate Information : Based on case law and my rights under the FCRA, Capital One is legally obligated to ensure the accuracy and reliability of all information that influences its credit decisions. I demand a review and correction of any inaccuracies or unverifiable data affecting my application. \n\nImmediate Reconsideration of My Application : technical and communication errors contributed to the denial, I demand that Capital One reconsider my application based on corrected and verified data.","date_sent_to_company":"2024-11-15T03:35:20.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"48224","tags":null,"has_narrative":true,"complaint_id":"10804979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-11-15T03:21:04.000Z","state":"MI","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Given the legal precedent in XXXX, <em>Capital</em> Ones failure to <em>provide</em> specific details in my <em>adverse</em> action notice constitutes a procedural and statutory violation. I demand <em>Capital</em> One outline, in detail, all <em>adverse</em> information influencing my application, particularly regarding unverifiable items."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[18.432291,"10804979"]},{"_index":"complaint-public-v1","_id":"13671745","_score":18.341831,"_source":{"product":"Credit card","complaint_what_happened":"I have attorney representation and the firm requested debt validation over a year ago. Capital 1 failed to validate the debt. Capital 1 sent me 4 summons with a court date which I forwarded to my attorney. I received the summons on & promptly sent these to my attorney.\n\nCapital 1 without contacting my atty, without validating the debts proceeded and filed judgments against me on unvalidated accounts in court.\n\nUnder the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), a creditor 's failure to validate debts upon request is a serious violation. Capital 1 is a repeat violator of several Consumer Protection Laws. \n\nTherefore, I am filing this complaint against Capital One Financial Corporation due to their repeated failure to validate debts as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) .Despite formal requests from my attorney for debt validation, Capital One has failed to provide any supporting documentation for over a year and has proceeded with adverse actions against me, including filing multiple judgments.\n\nDetails of the Violation : - Debt validation requests were sent by my legal representative to Capital One. No response or supporting documentation has been provided.\n\n- Capital One continued reporting the debts erroneously to the credit bureaus without validation.\n\n- Judgments were filed against me despite Capital Ones failure to verify the legitimacy of the alleged debts.\n\n- These actions constitute violations of FDCPA ( 15 U.S.C. 1692g ) and FCRA ( 15 U.S.C. 1681s-2 ( a ) ).\n\nRequested Resolution : - Immediate removal of all judgments related to these unvalidated debts.\n\n- Correction of inaccurate credit reporting and deletion of disputed debts from my credit file.\n\n- CFPB investigation into Capital Ones practices * * regarding debt validation and reporting.\n\n- Legal action against Capital One if necessary to ensure compliance with federal regulations.\n\nFurthermore, knowing I have representation Cap 1 had their attorney 's firm contact me instead of reaching out to my attorney.\n\nI request urgent review and resolution of this matter. Capital One has caused me undue stress and has injured my credit seriously. I appreciate CFPBs assistance in holding Capital One accountable for their violations.","date_sent_to_company":"2025-05-23T00:57:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"33177","tags":"Older American","has_narrative":true,"complaint_id":"13671745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-05-23T00:31:13.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Therefore, I am filing this complaint against <em>Capital</em> One Financial Corporation due to their repeated failure to validate debts as <em>required</em> under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit <em>Reporting</em> Act ( FCRA ) .Despite formal requests from my attorney for debt validation, <em>Capital</em> One has <em>failed</em> to <em>provide</em> any supporting documentation for over a year and has proceeded with <em>adverse</em> actions against me, including filing multiple judgments."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[18.341831,"13671745"]},{"_index":"complaint-public-v1","_id":"6835157","_score":18.239107,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Complaint against XXXX, XXXX, XXXX, and Capital One for non-compliance with the Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, XXXX, and Capital One for their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) concerning the investigation and resolution of a disputed late payment on my Capital One credit card account. The singular late payment in question is reported for the month of XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX and XXXX. As a result, it has been viewed as two 30-day late payments by creditors that have turned me down for service. As a result of my information being hacked, I had limited access to my account for the month of XXXX and XXXX due to unauthorized access through an internal cyber attack by an XXXX software Engineer \" XXXX XXXX '' that was found guilty in XX/XX/XXXX for the commission of a cyber attack against Capital One and other banks utilizing XXXX 's data centers Between XXXX and XXXX of XXXX, I submitted a dispute to all three credit bureaus and Capital One regarding the inaccurate late payment, informing them of the cyber attack that affected my account, and that they reflect different dates on each report. Under the FCRA, 15 U.S.C. 1681i ( a ), the credit bureaus are required to complete their investigation and provide a resolution within 30 days of receiving the dispute. However, it has been more than 30 days since I filed the dispute, and none of the credit bureaus have provided me with any information, or a resolution of the matter. \n\nAs per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau fails to complete the investigation within the stipulated 30-day period, they are required to promptly delete the disputed information from the consumer 's credit report. In light of their non-compliance with the law, I request the immediate removal of the inaccurate late payment from XXXX XXXX from my credit reports, as it is adversely affecting my credit score and causing me financial harm. \n\nI have already tried to resolve this issue directly with XXXX, XXXX, XXXX, and Capital One but they have not taken the necessary steps to rectify the situation. As such, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that the credit bureaus adhere to the FCRA and remove the inaccurate information from my credit report as soon as possible. \n\nI appreciate your attention to this matter and look forward to your assistance in resolving this issue. If you require any further information or clarification, please do not hesitate to contact me via phone at XXXX or email at XXXX. \n\nLink to the Cyber Attack Explanation from Capital One XXXX XXXX XXXX XXXX Sincerely,","date_sent_to_company":"2023-04-13T06:07:23.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"357XX","tags":null,"has_narrative":true,"complaint_id":"6835157","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-04-13T06:02:09.000Z","state":"AL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["As per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau <em>fails</em> to complete the investigation within the stipulated 30-day period, they are <em>required</em> to promptly delete the disputed information from the consumer 's credit <em>report</em>. In light of their non-<em>compliance</em> with the law, I request the immediate removal of the inaccurate late payment from XXXX XXXX from my credit <em>reports</em>, as it is <em>adversely</em> affecting my credit score and causing me financial harm."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[18.239107,"6835157"]},{"_index":"complaint-public-v1","_id":"11697455","_score":17.926497,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX Credit Reporting Agency Jefferson Capital XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : Jefferson Capital System Dear Jefferson Capital System, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry.\n\nAfter reviewing my records, I found no written agreement or signed contract with Jefferson Capital System authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately.\n\nAdditionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that Jefferson Capital System provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law.\n\nThis inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law.\n\nShould the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report.\n\nThank you for your prompt attention to this matter. I look forward to your response. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-22T22:57:16.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"777XX","tags":null,"has_narrative":true,"complaint_id":"11697455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-01-22T22:40:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that Jefferson <em>Capital</em> System <em>provide</em> all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure <em>compliance</em> with federal law.\n\nThis inaccurate <em>reporting</em> is <em>adversely</em> affecting my credit score and financial standing."]},"sort":[17.926497,"11697455"]},{"_index":"complaint-public-v1","_id":"15524067","_score":17.595438,"_source":{"product":"Credit card","complaint_what_happened":"Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account Number : XXXX ( last XXXX digits ) Prior CFPB Complaint : XX/XX/2025, Case # XXXX ( response XX/XX/2025 ) Capital One Letter : XX/XX/2025 Complaint / Dispute : I filed an identity theft/fraud dispute with Capital One regarding the above account and submitted a CFPB complaint on XX/XX/2025 ( CFPB Case # XXXX ). Capital One responded on XX/XX/2025, but failed to fully address my dispute. \n\nOn XX/XX/2025, Capital One sent a letter stating they found no signs of fraud and instructed me to contact a third party now allegedly handling my account. Importantly, they did not disclose the identity or contact information of this third party. \n\nThis demonstrates a pattern of repeated violations : 1. FCRA 605B violation : Capital One refused to block the account after I submitted proof of identity theft/fraud.\n\n2. FDCPA 809 violation risk : If the account was sold or assigned, I have not received proper notice or opportunity to dispute before any reporting or collection, as required by law.\n\n3. Texas law violations : Continued misrepresentation and obstruction of dispute rights violates XXXX XXXX XXXX XXXX and DTPA XXXX ( b ) ( XXXX ). \nXXXX. Obstruction of dispute : Capital One is effectively preventing me from exercising my legal rights by refusing to identify the third party.\n\nRequested Resolution : 1. Provide the full legal name, mailing address, and phone number of any third party now handling this account.\n\n2. Confirm that my identity theft/fraud dispute is properly recorded and that the account is blocked from all credit reporting until fully validated.\n\n3. Correct all reporting under FCRA, FDCPA, and Texas law, ensuring no adverse reporting occurs while this dispute is unresolved.\n\n4. Provide documentation of all investigative steps taken regarding my fraud dispute.\n\n5. Review Capital Ones repeated failures to comply with federal and state laws, and enforce compliance to prevent further violations. \nThis submission is intended to establish a clear, documented record of Capital Ones failure to comply with federal and state regulations and to protect my rights under FCRA, FDCPA, and Texas law. \n\nThank you for your attention and enforcement. \nXXXX XXXX","date_sent_to_company":"2025-08-26T23:05:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"752XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15524067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-08-26T22:55:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Provide</em> the full legal name, mailing address, and phone number of any third party now handling this account.\n\n2. Confirm that my identity theft/fraud dispute is properly recorded and that the account is blocked from all credit <em>reporting</em> until fully validated.\n\n3. Correct all <em>reporting</em> under FCRA, FDCPA, and Texas law, ensuring no <em>adverse</em> <em>reporting</em> occurs while this dispute is unresolved.\n\n4. <em>Provide</em> documentation of all investigative steps taken regarding my fraud dispute.\n\n5."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.595438,"15524067"]},{"_index":"complaint-public-v1","_id":"18043367","_score":17.088001,"_source":{"product":"Checking or savings account","complaint_what_happened":"Demand for Compensation for Storage Unit Loss and Reinstatement of Frozen Funds Dear Capital One Compliance Department, I am writing to formally demand corrective action and compensation for severe financial harm I suffered as a direct result of Capital Ones handling of my accounts, including wrongful account closure, withholding of verified funds, failure to provide required notice, and failure to act upon repeated urgent notifications. These actions resulted in the loss of my storage unit and all personal and business property valued at approximately {$120000.00} {$150000.00}.\n\nThis letter serves as a formal notice, a Regulation E dispute escalation, and a claim for damages, in accordance with federal consumer protection laws. \nI. Factual Background 1. On XX/XX/XXXX, I contacted Capital One to report an unauthorized charge in the amount of {$3600.00}. \nDespite timely notice, my report was denied, and the disputed funds were not provisionally credited as required under 12 CFR 1005.11.\n\n2. On XX/XX/XXXX, my account was placed {$3600.00} negative, resulting from the same disputed transaction. \n3. On XX/XX/XXXX, I deposited a valid settlement check of {$7500.00} into my second Capital One checking account. \nThat same day, Capital One closed the account and froze the funds, citing suspicious activity without any prior warning, written notice, or reasonable explanation. \n4. I contacted Capital One daily, informing the bank that my storage unit was approaching auction due to lack of access to my own funds.\n\nDespite clear urgency and documented hardship, Capital One withheld all access to my deposited funds.\n\n5. On XX/XX/XXXX, Capital One stated that a {$2600.00} check was issued to me. \nI still have not received this check. \nXXXX. The bank informed me that the account was closed because one of my other accounts was negative.\n\nHowever, each checking account is a separate contract, and a negative balance in one can not lawfully justify closing or freezing funds in another without proper notice and contractual basis.\n\n7. Capital One only allowed 10 days to cover the disputed negative balancean unreasonable time frame, especially after I had already notified the bank that I was XXXX, financially vulnerable, and unable to cover the error. \n8. Because my funds remained frozen, I was unable to pay the storage facility, and my unit was auctioned.\n\nI lost all contents, including personal belongings, business equipment, artwork, furniture, electronics, clothing, and irreplaceable items.\n\nII. Legal Violations 1. Violations of Regulation E 12 CFR 1005.11 ( Unauthorized Electronic Fund Transfers ) Regulation E requires : Provisional credit within 10 business days when a consumer reports an unauthorized charge. \nCompletion of an investigation within 45 days. \nWritten notice of findings. \nCapital One : Denied my report prematurely, Failed to provide provisional credit, Failed to issue written findings, And treated the disputed amount as valid despite my timely and repeated notice. \n2. Wrongful Account Closure & Improper Withholding of Funds ( 12 CFR 1005.6, 1005.10, 1005.11 ) The bank closed my account without : Prior notice, Explanation, Opportunity to correct or clarify, Or due process.\n\nFreezing verified settlement funds violated : My right to timely access, Standard banking practice under the Uniform Commercial Code ( UCC Articles 3 & 4 ), And federal consumer protection guidelines requiring reasonable access to deposited, verified funds.\n\n3. Failure to Provide Required Notice Under the Equal Credit Opportunity Act ( ECOA ) 12 CFR 1002.9 Banks must provide written adverse action notices when : Closing a deposit account, Limiting access to funds, Or terminating a banking relationship.\n\nNo such notice was provided.\n\n4. Breach of Duty of Good Faith and Fair Dealing ( UCC 1-304 ) By withholding funds during a documented emergency and ignoring repeated notifications, the bank acted in a manner : Outside reasonable commercial standards, Creating foreseeable and preventable losses.\n\n5. Negligence Resulting in Documented Financial Loss Capital One had full knowledge that : I am a XXXX adult, I was dependent on these funds for urgent obligations, And my property was at risk. \nThe banks decision to freeze my funds directly caused the loss of my storage unit and its contents. \nIII. Damages Due to Capital Ones actions, I lost property valued at {$120000.00} {$150000.00}, including : Personal belongings Business materials Furniture and electronics Artwork Clothing and essential items Appliances and equipment I also experienced severe hardship, including : Loss of irreplaceable items, Emotional distress, Financial destabilization, Damage to housing stability and well-being.","date_sent_to_company":"2025-12-01T22:46:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90035","tags":null,"has_narrative":true,"complaint_id":"18043367","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-12-01T21:04:30.000Z","state":"CA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Violations of Regulation E 12 CFR 1005.11 ( Unauthorized Electronic Fund Transfers ) Regulation E <em>requires</em> : Provisional credit within 10 business days when a consumer <em>reports</em> an unauthorized charge. \nCompletion of an investigation within 45 days. \nWritten notice of findings. \n<em>Capital</em> One : Denied my <em>report</em> prematurely, <em>Failed</em> to <em>provide</em> provisional credit, <em>Failed</em> to issue written findings, And treated the disputed amount as valid despite my timely and repeated notice. \n2."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[17.088001,"18043367"]},{"_index":"complaint-public-v1","_id":"11267552","_score":16.84041,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint regarding an account reported by Jefferson Capital Systems on my credit report. This item contains multiple inaccuracies, lacks validation, and violates federal laws. Additionally, I am unaware of this debt, and it is fraudulent. I request a thorough investigation and immediate deletion of this account from my credit file. Validation of this debt has been requested previously, and Jefferson Capital Systems has failed to provide such validation. Therefore, I am requesting deletion, not further validation. Unawareness of Debt and Possible Fraud I hav\ne no knowledge of this debt, and it is being reported fraudulently. Jefferson Capital Systems has failed to provide evidence of my association with this account, including any signed agreement, contract, or documentation linking me to this debt. \n\nReporting a potentially fraudulent account without adequate validation violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy of reported information.\n\nFailure to Notify or Validate Debt I was not informed of this debt or its origination. No notification was received regarding this debt prior to its appearance on my credit report, which violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ).\n\nPrevious requests for validation were ignored by Jefferson Capital Systems, violating 15 U.S.C. 1692g ( b ), which requires debt collectors to validate disputed debts before continuing collection activities. This account remains unvalidated despite prior requests, making its continued reporting unlawful.\n\nInaccurate and Misleading Comments The account is listed as an Open Account, but the payment status is marked as Late 120 Days and a Collection Account, which is inconsistent and misleading.\n\nThis failure to accurately describe the account violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to ensure accuracy and integrity in the information they report.\n\nIncorrect and Incomplete Reporting The balance listed is {$3600.00}, yet no documentation supporting this amount has been provided.\n\nThe Monthly Payment is listed as {$0.00} for an open account, which is inconsistent with the reported account type.\n\nThe reporting of this account violates 15 U.S.C. 1681s-2 ( a ) ( 2 ), which mandates timely correction of incomplete or inaccurate information.\n\nReporting to Only One Bureau This account is reported solely to Equifax and not to other credit bureaus, raising concerns of unfair or discriminatory reporting practices in violation of 15 U.S.C. 1681 ( a ) ( 1 ).\n\nNo Issuance of IRS Form 1099-C As this account is marked as a Collection Account, Jefferson Capital Systems is required to issue an IRS Form 1099-C for discharged debts over {$600.00} under 26 U.S.C. 6050P. This has not occurred, indicating potential non-compliance with federal tax laws.\n\nViolations of Applicable Laws and Codes Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ) : Prohibits reporting adverse information older than seven years.\n\n15 U.S.C. 1681i ( a ) : Requires prompt and reasonable investigation of disputes.\n\n15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Mandates accurate and complete information reporting.\n\n15 U.S.C. 1681s-2 ( a ) ( 2 ) : Requires timely corrections of inaccuracies.\n\n15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to ensure maximum accuracy.\n\nFair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( a ) : Requires debt collectors to notify consumers of their rights within five days of first contact.\n\n15 U.S.C. 1692g ( b ) : Prohibits continued collection efforts until debt validation is provided.\n\nInternal Revenue Code ( IRC ) 26 U.S.C. 6050P : Requires creditors to issue a 1099-C form for discharged debts exceeding {$600.00}.\n\nConsumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 : Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ).\n\nI demand the immediate removal of this account from all credit reports due to its violations of federal laws. Validation has been previously requested, and Jefferson Capital Systems has failed to comply. Therefore, I request deletion, not further validation.\n\nI request the CFPB investigate Jefferson Capital Systems for its reporting practices and potential violations of FCRA, FDCPA, IRC, and CFPA.\n\nIf this account is not promptly removed, I will pursue legal action for damages caused by these violations under the laws mentioned above.\n\nThis matter has caused significant harm to my financial standing and creditworthiness. I trust the CFPB will act swiftly to ensure compliance and accountability. Failure to delete this account will leave me no choice but to take legal action.","date_sent_to_company":"2024-12-24T16:29:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76017","tags":null,"has_narrative":true,"complaint_id":"11267552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2024-12-24T16:29:30.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Unawareness of Debt and Possible Fraud I hav\ne no knowledge of this debt, and it is being <em>reported</em> fraudulently. Jefferson <em>Capital</em> Systems has <em>failed</em> to <em>provide</em> evidence of my association with this account, including any signed agreement, contract, or documentation linking me to this debt."],"product":["Credit <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[16.84041,"11267552"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":101,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":101}]}},"product":{"doc_count":101,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":55,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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