{"took":174,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":128,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7694855","_score":21.964533,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to file a formal complaint against Capital One, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. \n\nOnXXXX-XXXX, I sent a written request to Capital One, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. \n\nDespite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Capital One. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. \n\nI have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. \n\nI believe that Capital One 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. \n\nI request that the CFPB conducts a thorough investigation into the non-compliance of Capital One with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that [ Creditor Name ] be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. \n\nPlease consider this complaint as a formal request for investigation. \n\nI appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. \n\nThank you for your assistance in resolving this matter.","date_sent_to_company":"2023-10-13T16:37:38.000Z","issue":"Improper use of your report","sub_product":"General-purpose credit card or charge card","zip_code":"33837","tags":null,"has_narrative":true,"complaint_id":"7694855","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-10-13T16:28:09.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> <em>Capital</em> One, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. \n\nOnXXXX-XXXX, I sent a written request to <em>Capital</em> One, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[21.964533,"7694855"]},{"_index":"complaint-public-v1","_id":"8443240","_score":21.834324,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Complaint Regarding Failure to Respond to Debt Validation Letter Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services for their failure to respond to my debt validation letter dated XX/XX/year>. Despite the passage of ample time, I have not received any communication or verification of the debt from Resurgent Capital Services. \n\nThe debt validation letter was sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). However, Resurgent Capital Services has neglected their legal obligation to respond within the stipulated timeframe. \n\nThe debt in question is listed on my credit report as follows : Creditor Name : LVNV FUNDING LLC Account Number : # XXXX XXXX Resurgent Capital Services ' failure to comply with my request for debt validation, I am left with no choice but to pursue legal action. As per the FCRA, I am entitled to seek damages of {$1000.00} for each violation. Therefore, I am considering taking legal action against Resurgent Capital Services for their non-compliance. \n\nI urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Resurgent Capital Services for their failure to respond to my debt validation request. \n\nThank you for your attention to this matter. I look forward to a swift resolution. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-02-28T19:16:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33068","tags":null,"has_narrative":true,"complaint_id":"8443240","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-02-28T19:07:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Subject : <em>Complaint</em> Regarding Failure to Respond to Debt Validation Letter Dear Sir/Madam, I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> Resurgent <em>Capital</em> Services for their failure to respond to my debt validation letter dated XX/XX/year>. Despite the passage of ample time, I have not received any communication or verification of the debt from Resurgent <em>Capital</em> Services."],"company":["Resurgent <em>Capital</em> Services L.P."]},"sort":[21.834324,"8443240"]},{"_index":"complaint-public-v1","_id":"8404184","_score":21.642775,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEMS LLC for violations of the Fair Credit Reporting Act ( FCRA ) and the unauthorized addition of a delinquent account to my consumer credit file.\n\nDetails of the complaint are as follows : **Unauthorized and Fraudulent Credit Profile : ** While reviewing my recent consumer credit file, I discovered an unauthorized and fraudulent credit profile listed by JEFFERSON CAPITAL SYSTEMS LLC . I did not authorize anyone employed at your company to view or add a delinquent account to my consumer credit file. This action is a direct violation of the Fair Credit Report Act Section 1681b ( c ), constituting fraudulent activity and a serious breach of my privacy rights.\n\n**Verification and Documentation Request : ** I request JEFFERSON CAPITAL SYSTEMS LLC to validate the information listed in the credit profile mentioned above. Please provide copies of any documentation associated with these accounts bearing my signature, authorizing an account. Additionally, I demand the production of a contract between JEFFERSON CAPITAL SYSTEMS\nLLC and me, the consumer, bearing my signature, showing that I gave permission to furnish any information on my behalf.\n\n**Immediate Deletion of Fraudulent Inquiries : ** In the absence of documentation bearing my signature, I formally request that these fraudulent inquiries and the associated delinquent account be immediately deleted from the credit file maintained under my Social Security number by JEFFERSON CAPITAL SYSTEMS LLC .\n\n**Compliance with FCRA : ** JEFFERSON CAPITAL SYSTEMS LLC is obligated to complete this investigation within 30 days, as per the Fair Credit Reporting Act Section 611. I expect full compliance with the FCRA and timely resolution of this matter. \n\nThank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into JEFFERSON CAPITAL SYSTEMS LLC actions and ensure that corrective measures are taken promptly. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-23T16:26:05.000Z","issue":"Electronic communications","sub_product":"Telecommunications debt","zip_code":"78244","tags":null,"has_narrative":true,"complaint_id":"8404184","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2024-02-23T16:16:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Frequent or repeated messages"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau, I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> JEFFERSON <em>CAPITAL</em> SYSTEMS LLC for violations of the Fair Credit Reporting Act ( FCRA ) and the unauthorized addition of a delinquent account to my consumer credit <em>file</em>."]},"sort":[21.642775,"8404184"]},{"_index":"complaint-public-v1","_id":"12003479","_score":20.943737,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally demand the immediate removal of the disputed debt from my credit report. Despite my previous dispute, your company, Jefferson Capital Systems LLC, has failed to verify the debt and has not removed it as required under the Fair Credit Reporting Act ( FCRA ).\n\nJefferson Capital Systems LLC has a documented history of non-compliance with federal regulations. In XXXX, the Federal Trade Commission ( FTC ) filed a complaint against your company for deceptive practices, resulting in a settlement that mandated at least {$110.00} XXXX in consumer redress. \n\nAdditionally, Jefferson Capital Systems LLC has faced multiple lawsuits alleging violations of the Fair Debt Collection Practices Act ( FDCPA ). For instance, in XXXX, a class action lawsuit was filed against your company for failing to disclose that it was not authorized to sue plaintiffs on their debts due to the age of the debts. \n\nUnder the FCRA, you are obligated to ensure that all information reported to credit bureaus is accurate and complete. The continued reporting of this unverified debt constitutes a violation of my rights under the FCRA. \n\nI demand that you immediately remove this disputed debt from my credit report and provide written confirmation of its deletion. Failure to comply will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and seeking legal action for damages resulting from your non-compliance. \n\nPlease be advised that I am fully aware of my rights under federal law and will not hesitate to take further action if this matter is not resolved promptly.","date_sent_to_company":"2025-02-08T21:53:30.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Telecommunications debt","zip_code":"212XX","tags":null,"has_narrative":true,"complaint_id":"12003479","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-02-08T21:42:00.000Z","state":"MD","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I am <em>writing</em> to <em>formally</em> demand the immediate removal of the disputed debt from my credit report. Despite my previous dispute, your company, Jefferson <em>Capital</em> Systems LLC, has failed to verify the debt and has not removed it as required under the Fair Credit Reporting Act ( FCRA ).\n\nJefferson <em>Capital</em> Systems LLC has a documented history of non-<em>compliance</em> with federal regulations."]},"sort":[20.943737,"12003479"]},{"_index":"complaint-public-v1","_id":"8625148","_score":20.917686,"_source":{"product":"Debt collection","complaint_what_happened":"Formal Complaint Regarding Misleading Credit Reporting Practices by Capital One Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Capital One concerning their misleading and erroneous reporting of my credit information. My name is XXXX XXXX, and I am a customer who opened an account with Capital One in XX/XX/XXXX, which was subsequently closed later that same year. \n\nThe issue at hand revolves around a collection of {$300.00}, which I paid off on XX/XX/XXXX, after speaking with a Capital One representative. During our conversation, the representative assured me that upon payment, I would receive a letter confirming the deletion of this collection from my account. Furthermore, they assured me that their team would remove this collection from my credit report. \n\nHowever, despite my compliance with their request and assurances, Capital One has consistently reported false collections on my credit report year after year. These inaccurate reports have falsely indicated that I am behind on payments by 30 days or 150 days, despite the collection being resolved. \n\nMoreover, in XX/XX/XXXX, Capital One reported the account as closed, even though it had been closed for over four years at that point. Additionally, they continue to assert that I owe them money, despite all financial obligations being settled. \n\nFurthermore, the relentless daily calls from Capital One only exacerbate the distress caused by their inaccurate reporting and undermine my financial stability and peace of mind.","date_sent_to_company":"2024-03-24T13:36:12.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"38016","tags":null,"has_narrative":true,"complaint_id":"8625148","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-03-24T13:31:28.000Z","state":"TN","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["<em>Formal</em> <em>Complaint</em> Regarding Misleading Credit Reporting Practices by <em>Capital</em> One Dear Consumer Financial Protection Bureau ( CFPB ), I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> <em>Capital</em> One concerning their misleading and erroneous reporting of my credit information. My name is XXXX XXXX, and I am a customer who opened an account with <em>Capital</em> One in XX/XX/XXXX, which was subsequently closed later that same year."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[20.917686,"8625148"]},{"_index":"complaint-public-v1","_id":"9514888","_score":20.202805,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a formal complaint against Jefferson Capital System for violating the Fair Debt Collection Practices Act ( FDCPA ). Specifically, Jefferson Capital System failed to inform me of my right to dispute the debt and did not provide notice at least five days before furnishing information to my credit report. \n\nToday I checked my credit report and I discovered that Jefferson Capital System had furnished information regarding an alleged debt to my credit report. However, I was never notified of my right to dispute this debt, nor was I provided with any notice at least five days prior to the reporting, as required under the FDCPA. \n\nUnder the FDCPA, debt collectors are required to provide written notice of the debt and inform consumers of their right to dispute the validity of the debt within 30 days. Additionally, they must send this notice within five days of their initial communication. Jefferson Capital System has clearly failed to meet these requirements, which constitutes a violation of my rights under the FDCPA. \n\nI am requesting that the CFPB take immediate action to investigate this matter and enforce compliance with the FDCPA. Specifically, I demand that the erroneous information furnished by Jefferson Capital System be deleted from my credit report promptly.","date_sent_to_company":"2024-07-15T19:00:34.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"08081","tags":"Servicemember","has_narrative":true,"complaint_id":"9514888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2024-07-15T18:56:11.000Z","state":"NJ","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> Jefferson <em>Capital</em> System for violating the Fair Debt Collection Practices Act ( FDCPA ). Specifically, Jefferson <em>Capital</em> System failed to inform me of my right to dispute the debt and did not provide notice at least five days before furnishing information to my credit report. \n\nToday I checked my credit report and I discovered that Jefferson <em>Capital</em> System had furnished information regarding an alleged debt to my credit report."]},"sort":[20.202805,"9514888"]},{"_index":"complaint-public-v1","_id":"8017372","_score":20.153275,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to formally file a complaint and request your intervention regarding adverse actions taken by Capital One against my credit card accounts. The adverse action transpired on XX/XX/2023, and included the closure of one of my accounts on XX/XX/2023. \n\nThe affected Capital One credit card account numbers are as follows : XXXX XXXX XXXX XXXX XXXX Capital One has failed to comply with the notification requirements for adverse actions, and I have not been provided with a clear and detailed explanation for the adverse actions taken against my accounts. Additionally, one of my accounts ( account number XXXX ) was closed on XX/XX/2023, with Capital One citing fraud and violations of the consumer agreement. Despite repeated attempts to seek clarification from Capital One, I have not received the necessary information to understand the basis for these allegations. \n\nI kindly request the Consumer Financial Protection Bureau 's intervention in this matter to assess Capital One 's adherence to consumer protection laws, specifically in relation to adverse action notification requirements. The lack of transparency and communication from Capital One has left me in a state of uncertainty and distress, and I believe their actions may be in violation of regulations such as the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). \n\nI am seeking the following from the Consumer Financial Protection Bureau : A thorough investigation into Capital One 's compliance with adverse action notification requirements for the aforementioned accounts. \nAssessment of the reasons provided by Capital One for the closure of account number XXXX, including evidence or documentation supporting claims of fraud and violations of the consumer agreement. \nAny relevant information or evidence that Capital One may possess regarding the adverse actions taken against accounts XXXX, XXXX, XXXX, XXXX, and XXXX.","date_sent_to_company":"2023-12-20T22:18:45.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"48322","tags":"Servicemember","has_narrative":true,"complaint_id":"8017372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-12-18T16:39:47.000Z","state":"MI","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I am <em>writing</em> to <em>formally</em> <em>file</em> a <em>complaint</em> and request your intervention regarding adverse actions taken by <em>Capital</em> One <em>against</em> my credit card accounts. The adverse action transpired on XX/XX/2023, and included the closure of one of my accounts on XX/XX/2023."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[20.153275,"8017372"]},{"_index":"complaint-public-v1","_id":"7855646","_score":20.05296,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) pertaining to the Capital One account with the number XXXX on my credit report. \n\nViolations : Failure to conduct a reasonable investigation ( FCRA Section 1681i ).\n\nReporting inaccurate information ( FCRA Section 1681e ). \nInaccuracies : Reporting Past Due on a closed Account Balance is incorrect account was charged off for full amount Consumer owes {$0.00} The date open is incorrect Payment History incorrectly reporting Balance updated date incorrect I have previously notified XXXX of these inaccuracies, but despite this, no corrective action has been taken. I believe that their non-compliance with the FCRA has caused significant harm to my creditworthiness.","date_sent_to_company":"2023-11-15T23:13:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90302","tags":null,"has_narrative":true,"complaint_id":"7855646","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-11-15T22:57:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) pertaining to the <em>Capital</em> One account with the number XXXX on my credit report. \n\nViolations : Failure to conduct a reasonable investigation ( FCRA Section 1681i ).\n\nReporting inaccurate information ( FCRA Section 1681e )."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[20.05296,"7855646"]},{"_index":"complaint-public-v1","_id":"7037559","_score":19.846142,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am writing to file a formal complaint against Capital One for their non-compliance with 15 USC 6802 ( b ) and their failure to address my concerns regarding my opt-out right. \n\nOn XXXX, I sent a dispute letter to Capital One detailing the specific reasons why I believed they were in violation of 15 USC 6802 ( b ), which grants me the right to opt out of certain information sharing practices. However, despite my attempts to resolve this matter directly with the company, no satisfactory resolution has been reached. \n\nIn my initial communication, I clearly articulated my concerns and requested that Capital One rectify the non-compliance promptly. However, I have received no response or acknowledgment of my complaint to date. This lack of responsiveness is deeply concerning and demonstrates a disregard for consumer rights and privacy. \n\nI firmly believe that it is crucial for financial institutions to adhere to federal regulations that protect consumers ' privacy and allow them control over their personal information. By failing to address my concerns or provide a resolution, Capital One is neglecting its duty to comply with the law and failing to uphold its responsibilities towards its customers. \n\nI am seeking your assistance in resolving this matter and ensuring that [ Credit Card Company Name ] fulfills its obligations under 15 USC 6802 ( b ). I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint and take appropriate action to rectify the situation. \nEnclosed with this complaint, please find copies of all relevant documentation, including my dispute letter to Capital One and any subsequent communication or lack thereof. \n\nI am eager to receive a response from the Consumer Financial Protection Bureau regarding the progress of my complaint. I trust that your agency will handle this matter with the utmost attention and seriousness it deserves. \n\nThank you for your time and consideration. I eagerly await your response and a resolution to this issue.","date_sent_to_company":"2023-05-27T18:15:37.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"33837","tags":null,"has_narrative":true,"complaint_id":"7037559","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-05-27T17:37:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> <em>Capital</em> One for their non-<em>compliance</em> with 15 USC 6802 ( b ) and their failure to address my concerns regarding my opt-out right. \n\nOn XXXX, I sent a dispute letter to <em>Capital</em> One detailing the specific reasons why I believed they were in violation of 15 USC 6802 ( b ), which grants me the right to opt out of certain information sharing practices."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[19.846142,"7037559"]},{"_index":"complaint-public-v1","_id":"13566334","_score":19.811956,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am writing to formally file a complaint against Capital One Auto Finance regarding a fraudulent auto loan account that was opened in my name without my knowledge or authorization. \n\nOn XXXX XXXX XXXX I spoke with a representative from Capital Ones Office of the President. During our conversation, I explained that an auto loan had been fraudulently opened using my personal information. After conducting his own investigation, the representative confirmed that I was not responsible for the loan or any charges associated with it. \n\nHe also assured me that Capital One would notify the credit bureaus to remove the account from my credit reports. I was informed that this process could take up to 90 days. However, it has now been well over that period, and I have not received any follow-up communication from Capital One. More importantly, the fraudulent loan still appears on my credit reports, negatively impacting my credit score and financial well-being. \n\nI am requesting immediate assistance from the CFPB to : Ensure that this fraudulent account is permanently removed from my credit reports with all three major credit bureaus ( XXXX XXXX XXXX XXXX ). \n\nConfirm that Capital One has closed and resolved the matter on their end. \n\nInvestigate why Capital One has failed to follow through on their commitment and provide appropriate oversight to ensure compliance. \n\n\nThank you for your time and assistance in helping resolve this matter promptly.","date_sent_to_company":"2025-05-18T00:04:25.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"95825","tags":null,"has_narrative":true,"complaint_id":"13566334","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-05-17T23:42:13.000Z","state":"CA","company_public_response":null,"sub_issue":"Loan opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["I am <em>writing</em> to <em>formally</em> <em>file</em> a <em>complaint</em> <em>against</em> <em>Capital</em> One Auto Finance regarding a fraudulent auto loan account that was opened in my name without my knowledge or authorization. \n\nOn XXXX XXXX XXXX I spoke with a representative from <em>Capital</em> Ones Office of the President. During our conversation, I explained that an auto loan had been fraudulently opened using my personal information."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[19.811956,"13566334"]},{"_index":"complaint-public-v1","_id":"18001964","_score":19.670267,"_source":{"product":"Debt collection","complaint_what_happened":"Formal Complaint Regarding Fraudulent Account and Non-Compliance with Court Order. \n\nNon-Removal of fraudulent Account Number Tradeline Despite Court judgement. Account Number : XXXX & XXXX Capital One Credit Card Company. Account Number : XXXX & XXXX Statement of the complaint I am writing to file a formal complaint regarding the refusal of Capital one Credit Card company to remove a fraudulent account trade line from my consumer credit reports, despite the matter being resolved in my favor via court judgement.\n\nThe account listed above was opened fraudulently without my knowledge or consent. This fact was established and confirmed through legal proceedings. \nI disputed the debt, which resulted in a legal action filed against me in the XXXX XXXX XXXX XXXX of XXXX Georgia on XX/XX/year>. The court issued a judgment, case No. XXXX ruling that I am not responsible for the debt, thereby confirming the fraudulent nature of the account. \nI have provided Capital one Credit card company with certified copies of the court judgment. Under Fair Credit Reporting Act ( FCRA ), the creditor is obligated to conduct reasonable information and report accurate information. The court judgement unequivocally proves that this account is inaccurate and fraudulent. Despite notification and receipt of judgment, Capital One credit Card Company has refused to delete this tradeline.\n\nThe continued presence of this negative, fraudulent, and legally invalidated tradeline is causing severe and ongoing damage to my credit profile and is a clear violation of fair credit reporting practices and the sanctity of the court order.\n\nI demand the following immediate corrective actions. \n\nImmediate and permanent deletion of the trade line for account numbers ending in XXXX & XXXX from all three credit reporting agencies, XXXX XXXX XXXX XXXX \nA written confirmation of this deletion, including the date the removal was processed. \nEnclosed are the following documents to support this complaint. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-11-30T19:19:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"30215","tags":null,"has_narrative":true,"complaint_id":"18001964","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-30T19:04:13.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>Formal</em> <em>Complaint</em> Regarding Fraudulent Account and Non-<em>Compliance</em> with Court Order. \n\nNon-Removal of fraudulent Account Number Tradeline Despite Court judgement. Account Number : XXXX & XXXX <em>Capital</em> One Credit Card Company."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[19.670267,"18001964"]},{"_index":"complaint-public-v1","_id":"6835157","_score":19.439257,"_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":["<em>Complaint</em> <em>against</em> XXXX, XXXX, XXXX, and <em>Capital</em> One for non-<em>compliance</em> with the Fair Credit Reporting Act Dear Sir/Madam, I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> XXXX, XXXX, XXXX, and <em>Capital</em> 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 <em>Capital</em> One credit card account."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[19.439257,"6835157"]},{"_index":"complaint-public-v1","_id":"16824831","_score":19.391811,"_source":{"product":"Debt collection","complaint_what_happened":"Cease and Desist Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> To : Spring Oaks Capital LL XXXX XXXX XXXX XXXX XXXX, Va XXXX Subject : Cease and Desist Notice Dear Spring Oaks capital LL I am writing to inform you that I am formally requesting you to cease and desist all contact and communication with me regarding any alleged debt or matter unless it is in strict compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.\n\nYou are hereby notified that any further attempts to contact me, including by phone, mail, email, text message, or any other means, other than to provide the verification of the alleged debt or to inform me of specific legal action, will be considered a violation of my rights under federal law.\n\nBe advised that failure to comply with this notice may result in me pursuing all available legal remedies, including filing complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and the Office of the Attorney General, as well as civil action against your company or its representatives. \n\nPlease confirm in writing that you have received this notice and that you will honor my request. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-10-26T21:46:59.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"75082","tags":null,"has_narrative":true,"complaint_id":"16824831","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-10-26T21:02:54.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Cease and Desist Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> To : Spring Oaks <em>Capital</em> LL XXXX XXXX XXXX XXXX XXXX, Va XXXX Subject : Cease and Desist Notice Dear Spring Oaks <em>capital</em> LL I am <em>writing</em> to inform you that I am <em>formally</em> requesting you to cease and desist all contact and communication with me regarding any alleged debt or matter unless it is in strict <em>compliance</em> with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq."],"company":["Spring Oaks <em>Capital</em>, LLC"]},"sort":[19.391811,"16824831"]},{"_index":"complaint-public-v1","_id":"11792783","_score":19.179243,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a formal complaint against Spring Oaks Capital , LLC for engaging in debt collection activities in the state of Alabama without the proper licensing. According to my research on the XXXX  XXXX XXXX XXXX XXXX XXXXXXXX  ), Spring Oaks Capital , LLC does not have the required license to operate as a debt collector in Alabama. \n\nOn XX/XX/year>, I was contacted by Spring Oaks Capital , LLC regarding an alleged debt. Despite their communication, I have confirmed that they are not licensed to collect debts in my state, which I understand is a violation of Alabama law and federal guidelines under the Fair Debt Collection Practices Act ( FDCPA ). Their actions raise serious concerns about their compliance with legal requirements. \n\nI am requesting that the CFPB investigate this matter to determine if Spring Oaks Capital , LLC is violating consumer protection laws by attempting to collect debts in Alabama without the appropriate licensing. Their failure to comply with licensing requirements not only undermines consumer rights but also places undue stress and potential harm on consumers in my state. \n\nAttached to this letter are the following documents for your review : Copies of correspondence I have received from Spring Oaks Capital , LLC. \nA screenshot or printout from XXXX XXXX XXXX showing their lack of licensing in Alabama. \nI kindly ask for your assistance in addressing this issue and ensuring that Spring Oaks Capital , LLC is held accountable for any violations of federal or state laws. If further information is required, please do not hesitate to contact me. \n\nThank you for your attention to this matter. I look forward to your response.","date_sent_to_company":"2025-01-28T05:21:38.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"356XX","tags":null,"has_narrative":true,"complaint_id":"11792783","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-01-28T05:15:43.000Z","state":"AL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> Spring Oaks <em>Capital</em> , LLC for engaging in debt collection activities in the state of Alabama without the proper licensing. According to my research on the XXXX  XXXX XXXX XXXX XXXX XXXXXXXX  ), Spring Oaks <em>Capital</em> , LLC does not have the required license to operate as a debt collector in Alabama. \n\nOn XX/XX/year>, I was contacted by Spring Oaks <em>Capital</em> , LLC regarding an alleged debt."],"company":["Spring Oaks <em>Capital</em>, LLC"]},"sort":[19.179243,"11792783"]},{"_index":"complaint-public-v1","_id":"7105719","_score":19.03772,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Complaint Regarding Refusal to Provide Form 1099-C by Capital One Auto Finance Dear Sir/Madam, I am writing to file a formal complaint against Capital One Auto Finance regarding their refusal to provide a Form 1099-C ( Cancellation of Debt ) for a charged-off debt. This complaint is made in accordance with the authority of the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). \n\nCreditor Details : Creditor : Capital One Auto Finance Account Number : XXXX Date of Charge-off : XX/XX/XXXX Despite multiple requests made through certified mail, Capital One Auto Finance has persistently refused to provide the necessary Form 1099-C. The Form 1099-C is crucial for accurate tax reporting and compliance purposes. This refusal hinders my ability to fulfill my tax obligations appropriately. \n\nAccording to the Internal Revenue Service ( IRS ), creditors are required to provide a Form 1099-C when they cancel or forgive a debt of {$600.00} or more. The creditor 's failure to provide this form not only violates tax regulations but also affects my ability to address my tax liabilities accurately. \n\nI respectfully request the intervention of the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) in investigating this matter. I urge you to take appropriate action against Capital One Auto Finance for their refusal to provide the Form 1099-C. Furthermore, I kindly request your assistance in compelling the creditor to provide the required tax documentation promptly. Alternatively, I request that the charged-off debt be removed from my credit report due to the creditor 's non-compliance. \n\nEnclosed with this letter, please find copies of the certified mail receipts as evidence of my attempts to obtain the Form 1099-C. \n\nThank you for your attention to this matter. I anticipate a prompt response and a resolution to this issue. Please do not hesitate to contact me if any further information is required. \n\nSincerely, XXXX XXXX XXXX : Internal Revenue Service ( IRS ). \" Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments. ''","date_sent_to_company":"2023-06-12T21:26:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78552","tags":null,"has_narrative":true,"complaint_id":"7105719","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-06-12T21:14:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : <em>Complaint</em> Regarding Refusal to Provide Form 1099-C by <em>Capital</em> One Auto Finance Dear Sir/Madam, I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> <em>Capital</em> One Auto Finance regarding their refusal to provide a Form 1099-C ( Cancellation of Debt ) for a charged-off debt. This <em>complaint</em> is made in accordance with the authority of the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC )."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[19.03772,"7105719"]},{"_index":"complaint-public-v1","_id":"9224365","_score":18.999588,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Capital One regarding their failure to address and investigate inaccuracies in reporting on my XXXX credit report. On XX/XX/XXXX, I sent a dispute letter to Capital One, requesting an investigation into the inaccurate reporting of an account that appears on my XXXX credit report. \n\nThe account in question was included in a Bankruptcy Discharge and should not be reporting negatively. From the payment history all payments made from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX were consistently on time. Despite this, Capital One has continuously reporting this account negatively on my XXXX credit report. \n\nIn my dispute letter, I explicitly requested Capital One to provide specific details pertaining to the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, to date, I have not received any response from Capital One. \n\nCapital One 's refusal to investigate this account and provide the requested information is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies and the furnishing institutions. \n\nI have made diligent efforts to resolve this matter directly with Capital One, but their lack of response and failure to address the inaccuracies have left me with no choice but to escalate this issue to the CFPB for further investigation and resolution. I respectfully request that the CFPB intervene in this matter, conduct a thorough investigation into Capital One 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA.","date_sent_to_company":"2024-06-10T12:25:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21229","tags":null,"has_narrative":true,"complaint_id":"9224365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-06-10T12:19:19.000Z","state":"MD","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> <em>Capital</em> One regarding their failure to address and investigate inaccuracies in reporting on my XXXX credit report. On XX/XX/XXXX, I sent a dispute letter to <em>Capital</em> One, requesting an investigation into the inaccurate reporting of an account that appears on my XXXX credit report. \n\nThe account in question was included in a Bankruptcy Discharge and should not be reporting negatively."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[18.999588,"9224365"]},{"_index":"complaint-public-v1","_id":"8068076","_score":18.999588,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to file a formal complaint against Capital One concerning the unwarranted closure of my credit account and the subsequent allegations of First Party Fraud, as detailed in their correspondence dated XX/XX/XXXX. This matter involves a concerning misinterpretation of the terms within Capital One 's cardholder agreement and raises questions about the legality of their actions. \n\nOn XX/XX/XXXX, I tendered payment for the bill sent to me by Capital One, adhering meticulously to the provisions outlined in the bill of exchange and the accompanying instructions. The payment, intended to be applied as a positive value to my principal credit account, was, however, deemed by Capital One as illegal and constituting fraudulent activity. This conclusion was reached despite my strict adherence to the guidelines set forth in their cardholder agreement.\n\nThe cardholder agreement explicitly directs that items bearing restrictive words, conditions, limitations, or special instructions, including those marked \" Paid in Full '' or similar language, should be exclusively mailed to the specified address : Capital One XXXX XXXX XXXX XXXX, NC XXXX It is worth noting that all accompanying communications are also subject to this requirement. Despite my compliance with these stipulations, Capital One has deemed my payment and its associated communications as violative of their agreement.\n\nSubsequent to their receipt of my payment, Capital One proceeded to close my credit account. Notably, they assert that the closure is attributed to my failure to remit federal reserve notes, a condition not explicitly stipulated in the cardholder agreement. As the original cardholder and holder in due course, I communicated to Capital One that they lack the authority to close my credit account without my explicit permission and, concurrently, retain the tender payment. This action, in my view, constitutes an unauthorized use of my credit, as delineated in 15 USC Sec. 1602 ( p ).","date_sent_to_company":"2023-12-27T22:30:03.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"97338","tags":null,"has_narrative":true,"complaint_id":"8068076","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-12-27T21:49:45.000Z","state":"OR","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> <em>Capital</em> One concerning the unwarranted closure of my credit account and the subsequent allegations of First Party Fraud, as detailed in their correspondence dated XX/XX/XXXX. This matter involves a concerning misinterpretation of the terms within <em>Capital</em> One 's cardholder agreement and raises questions about the legality of their actions."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[18.999588,"8068076"]},{"_index":"complaint-public-v1","_id":"14621895","_score":18.801674,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern : I am writing to file a formal complaint against Capital One Bank for unjustifiably restricting my business and personal accounts, collectively holding over {$120000.00}, without providing a clear explanation or timeline for resolution. \n\nThe restriction was placed nearly three months ago, allegedly in response to a wire transfer intended to purchase property overseas for my wife while we await her marriage visa. Despite providing full documentation and repeated follow-ups, Capital One has failed to offer any resolution, transparency, or meaningful support.\n\nI am a high-value client, spending nearly {$1.00} XXXX annually on my Spark business card alone. I have expressed the urgency and impact of the situation through multiple channelsincluding over 20 calls to customer serviceyet I continue to receive generic responses, stonewalling, or no response at all. \n\nAdditionally, I have publicly posted on social media to raise awareness of the issue, and my posts have garnered over XXXX views in one day, reflecting widespread concern and frustration with Capital Ones customer treatment. \n\nThis is not only causing financial harm but emotional distress, as these funds were allocated for essential family and business obligations. Capital Ones lack of responsiveness and disregard for urgency constitutes unfair and deceptive practices under federal consumer financial laws. \n\nI am requesting the CFPB to investigate this matter and compel Capital One to : 1. Immediately lift any unjustified restrictions or provide a specific, lawful reason for the continued freeze.\n\n2. Offer a formal written response with a resolution timeline.\n\n3. Clarify what compliance or procedural flags ( if any ) triggered the restriction.\n\n4. Compensate for financial harm or damages caused by this prolonged inaction. \n\nThank you for your attention to this serious matter.","date_sent_to_company":"2025-07-14T17:08:06.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"30022","tags":null,"has_narrative":true,"complaint_id":"14621895","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-07-13T23:03:20.000Z","state":"GA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["To Whom It May Concern : I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> <em>Capital</em> One Bank for unjustifiably restricting my business and personal accounts, collectively holding over {$120000.00}, without providing a clear explanation or timeline for resolution. \n\nThe restriction was placed nearly three months ago, allegedly in response to a wire transfer intended to purchase property overseas for my wife while we await her marriage visa."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[18.801674,"14621895"]},{"_index":"complaint-public-v1","_id":"8500274","_score":18.768929,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a formal complaint against Jefferson Capital Systems for their violation of consumer protection laws in relation to fradulent debt collection practices. Recently, an item appeared on my credit report indicating an outstanding debt previously owned by XXXX, which was originally associated with XXXX. \n\nIt is pertinent to note that I have previously disputed this account, which was originally owned by XXXX, with XXXX and submitted a report to the CFPB in 2023. As a result of my dispute and your intervention, the account was rightfully deleted from all three major credit bureaus including XXXX, XXXX and XXXX. \n\nHowever, to my dismay, the same account, now in the amount of {$2000.00}, has resurfaced on my credit report, this time under the ownership of XXXX XXXX XXXX. This action not only violates the Fair Credit Reporting Act ( FCRA ) but also breaches the Fair Debt Collection Practices Act. \n\nFurthermore, the pursuit of this fraudulent debt by XXXX XXXX XXXX constitutes a violation of my rights under the Fair Debt Collection Practices Act. \n\nI am enclosing a copy of the Federal Trade Commission report detailing the fraudulent nature for your reference. \n\nI urge the Consumer Financial Protection Bureau to promptly investigate this matter and take necessary actions against Jefferson Capital systems to ensure compliance with consumer protection laws and to rectify the damage caused by their unlawful actions. \n\nThis item needs to be deleted from all three bureaus immediately so that I can utilize my rights to obtain other credit opportunities.","date_sent_to_company":"2024-03-07T20:51:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"19013","tags":null,"has_narrative":true,"complaint_id":"8500274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2024-03-07T20:18:38.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> Jefferson <em>Capital</em> Systems for their violation of consumer protection laws in relation to fradulent debt collection practices. Recently, an item appeared on my credit report indicating an outstanding debt previously owned by XXXX, which was originally associated with XXXX. \n\nIt is pertinent to note that I have previously disputed this account, which was originally owned by XXXX, with XXXX and submitted a report to the CFPB in 2023."]},"sort":[18.768929,"8500274"]},{"_index":"complaint-public-v1","_id":"11238717","_score":18.748295,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am writing to formally file a complaint against Capital One regarding their continued inaccurate reporting of a debt on my XXXX credit report. This reporting violates the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit score and financial reputation.\n\nKey Issues : Incorrect Reporting of Sold Debt : Capital One is reporting a balance of {$470.00} on my XXXX credit report, even though this debt was sold to XXXX XXXX XXXX. \nUnder the FCRA, once an account is sold, the original creditor is required to update the balance to {$0.00} and note that the debt was transferred or sold. Capital One has failed to update this information properly. \nImpact on My Credit Report and Score : The continued reporting of this balance by Capital One creates confusion and misrepresents my financial obligations, resulting in a negative impact on my credit score.\n\nThis inaccurate reporting has adversely affected my ability to secure financial opportunities.\n\nFailure to Address the Issue : Despite previous disputes and attempts to resolve this matter directly with Capital One, they have not corrected their reporting.\n\nResolution Requested : I request the following actions : Immediate Update of the Account : Capital One must update the account on my XXXX credit report to reflect a {$0.00} balance and clearly indicate that the debt was sold to XXXX XXXX XXXX. \nRemoval of Inaccurate Reporting : If Capital One can not validate the current reporting, I request that the account be removed entirely from my XXXX credit report. \nCompliance with the FCRA : Capital One must ensure their reporting practices comply with the FCRA to avoid future inaccuracies. \nSupporting Documents Enclosed : A copy of my XXXX credit report showing the incorrect reporting by Capital One. \nCorrespondence with Capital One regarding this dispute. \nImpact and Final Request : The continued inaccurate reporting by Capital One on my XXXX credit report has caused significant financial harm and undue stress. I kindly request the CFPBs assistance in ensuring Capital One updates this account appropriately and in compliance with federal regulations. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX","date_sent_to_company":"2024-12-21T07:51:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33615","tags":null,"has_narrative":true,"complaint_id":"11238717","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-12-21T07:42:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Dear CFPB, I am <em>writing</em> to <em>formally</em> <em>file</em> a <em>complaint</em> <em>against</em> <em>Capital</em> One regarding their continued inaccurate reporting of a debt on my XXXX credit report. This reporting violates the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit score and financial reputation.\n\nKey Issues : Incorrect Reporting of Sold Debt : <em>Capital</em> One is reporting a balance of {$470.00} on my XXXX credit report, even though this debt was sold to XXXX XXXX XXXX."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[18.748295,"11238717"]},{"_index":"complaint-public-v1","_id":"12905111","_score":18.58521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Date : XX/XX/year>2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  D.C. XXXX RE : Complaint Regarding Charge-Off Reporting CAPITAL ONE Dear CFPB Representative, I am writing to formally file a complaint against Capital One regarding the charge-off status reported on my credit card account ending in XXXX. \nThe charge-off was reported without proper validation and is causing significant harm to my credit profile. I am requesting an investigation into this matter and respectfully urge your office to hold the institution accountable for any violations of the law. \nDetails of the Issue : Creditor Name : Capital One Account Number ( last 4 digits ) : XXXX Charge-Off Date:XXXX/2024 Alleged Balance : {$430.00} I contacted Capital One and requested documentation validating the debt as well as an itemized accounting of how the balance was determined. To date, they have not provided the information required under federal law. In addition, I believe the charge-off was reported inaccurately or without compliance with lawful procedures. \nLaws Violated or Potentially Violated : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 Under the FCRA, furnishers of information to credit bureaus must report information that is accurate and complete. If a consumer disputes information, the furnisher is required to conduct a reasonable investigation and update or delete the data as appropriately. To my knowledge, Capital One has not provided evidence to support the accuracy of this charge-off, despite my dispute.\n\n2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g If Capital One or a third party is acting as a debt collector, they are required to provide validation of the debt upon request within 30 days. I requested validation in writing, and they failed to provide a response.\n\n3. FACTA Amendments to FCRA The FACTA amendments further mandate that consumers have the right to dispute incomplete or inaccurate information and require that furnishers and CRAs have procedures in place to ensure data integrity I request that the CFPB investigate this matter and request Capital One to validate or remove the charge-off.\n\nIf they can not substantiate the debt or show proof of compliance with the FCRA and FDCPA, I ask that the charge-off and associated derogatory marks be removed from my credit report with all major credit bureaus.\n\nI also request confirmation that no further collections or negative reporting will occur related to this account.\n\nI have attached copies of my correspondence with Capital One and copies of my credit report showing the charge-off. I am happy to provide any additional documents upon request.\n\nThank you for your assistance in resolving this matter. I look forward to your response. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-09T21:47:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48235","tags":null,"has_narrative":true,"complaint_id":"12905111","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-04-09T21:44:10.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX RE : <em>Complaint</em> Regarding Charge-Off Reporting <em>CAPITAL</em> ONE Dear CFPB Representative, I am <em>writing</em> to <em>formally</em> <em>file</em> a <em>complaint</em> <em>against</em> <em>Capital</em> One regarding the charge-off status reported on my credit card account ending in XXXX. \nThe charge-off was reported without proper validation and is causing significant harm to my credit profile. I am requesting an investigation into this matter and respectfully urge your office to hold the institution accountable for any violations of the law."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[18.58521,"12905111"]},{"_index":"complaint-public-v1","_id":"12357504","_score":18.557632,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally file a complaint against CAPITAL ONE for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) regarding debt validation. \nOn XX/XX/year>, I submitted a written request to CAPITAL ONE asking for validation of the alleged debt they claim I owe. Under 15 U.S.C. 1692g of the FDCPA, creditors are required to provide validation within 30 days of receiving my request. However, despite the expiration of this period, I have not received any validation of the debt.\n\nSince they have failed to validate the debt, they are legally required to cease collection efforts and remove the account from my credit report. However, they have continued their collection activities, which is a violation of federal law.\n\nI request the CFPB to investigate this matter and take appropriate enforcement action to ensure compliance with the FDCPA. Additionally, I ask that the creditor be directed to immediately cease collection efforts and remove the unvalidated account from my credit report.\n\nI have attached copies of my original debt validation request, proof of delivery, and any correspondence related to this matter for your review.\n\nThank you for your time and assistance. Please let me know if any further information is required. I look forward to your prompt response. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-06T04:55:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10467","tags":null,"has_narrative":true,"complaint_id":"12357504","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-03-06T04:49:09.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am <em>writing</em> to <em>formally</em> <em>file</em> a <em>complaint</em> <em>against</em> <em>CAPITAL</em> ONE for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) regarding debt validation. \nOn XX/XX/year>, I submitted a written request to <em>CAPITAL</em> ONE asking for validation of the alleged debt they claim I owe. Under 15 U.S.C. 1692g of the FDCPA, creditors are required to provide validation within 30 days of receiving my request."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[18.557632,"12357504"]},{"_index":"complaint-public-v1","_id":"7463213","_score":18.509233,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services LP for their willful violation of my consumer rights and predatory collection practices. I am deeply concerned about their conduct in attempting to collect on an unverified debt, despite my multiple attempts to verify the alleged debt. This harassment has not only caused me undue stress but also constitutes a clear breach of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.\n\nThe details of the violation are as follows : Collection Agency : Resurgent Capital Services LP Address : XXXX XXXX XXXX, XXXX, MI XXXX Timeline of Events : 1. XX/XX/2023 : I received a communication from Resurgent Capital Services LP regarding an alleged debt that I have no recollection of. Recognizing my rights under the FCRA, I immediately requested verification of the debt in writing.\n\n2. XX/XX/2023 : I received an account summary from Resurgent Capital Services LP which did not produce a legally binding agreement ( in the form of any original contract ) or documentation confirming that Resurgent Capital Services LP is permitted to collect debts within the state of Maryland. Once again I requested, I followed up with a second verification request, once again adhering to the formal written communication method.\n\n3. XX/XX/2023 : To my dismay, I received the same account summary itemizing the alleged debt that does not constitute as a legally binding proof of ownership of said debt and does not constitute authorization that Resurgent Capital Services LP is permitted to collect debts within the state of Maryland. I submitted written notice that the companydid not provide valid verification for the alleged debt within the 30-day timeframe as required by current FCRA laws and any additional attempts to collect on said alleged debt is a direct and willful violation of my consumer rights 4. XX/XX/2023 : Since then, I have continued to be harassed by Resurgent Capital Services LP with aggressive correspondence, demanding payment for a debt that remains unverified.\n\nThis situation is deeply distressing, as it not only negatively impacts my mental and emotional well-being but also points towards a deliberate disregard for my consumer rights. The actions of Resurgent Capital Services LP are in direct violation of the FCRA, which explicitly outlines the requirements for debt verification and the consequences of non-compliance.","date_sent_to_company":"2023-08-28T18:54:34.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"7463213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-08-28T18:16:03.000Z","state":"MD","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["Dear Sir/Madam, I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> Resurgent <em>Capital</em> Services LP for their willful violation of my consumer rights and predatory collection practices. I am deeply concerned about their conduct in attempting to collect on an unverified debt, despite my multiple attempts to verify the alleged debt."],"company":["Resurgent <em>Capital</em> Services L.P."]},"sort":[18.509233,"7463213"]},{"_index":"complaint-public-v1","_id":"12796952","_score":18.49319,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX Email : XXXX Phone : ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint Regarding Unjust Closure of My Capital One Business Spark Card Account Dear Consumer Financial Protection Bureau XXXX My name is XXXX XXXX XXXX and I am writing to formally file a complaint against Capital One regarding the unjust closure of my Capital One Business Spark Card account. I applied for the card and provided all requested documents, including : State Government-Issued ID/Driver 's License ( front and back ) Social Security Card ( front ) Proof of Residence ( showing my account information and address, dated within the last XXXX  days ) Recent Bank Statements Despite submitting all requested documents in a timely manner and ensuring that all information was accurate and valid, Capital One closed my account without providing a clear reason. My business, XXXX XXXX XXXX, is a legally registered and active business in XXXX, operating at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX, and my financial records and identity verification documents were all in compliance with their requirements. \n\nThis account closure has caused unnecessary inconvenience and disruption to my business operations. Given that I met all requirements, I request that Capital One immediately review my case and reinstate my account. Additionally, I request a formal explanation for the account closure and assurance that such arbitrary actions will not occur in the future. \n\nI appreciate your assistance in addressing this matter and ensuring that financial institutions uphold fair and transparent business practices. Please let me know if any further information is required. \n\nSincerely, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX Email : XXXX Phone : ( XXXX ) XXXX","date_sent_to_company":"2025-04-02T20:11:28.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"91201","tags":null,"has_narrative":true,"complaint_id":"12796952","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-04-02T20:01:09.000Z","state":"CA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX Email : XXXX Phone : ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : <em>Complaint</em> Regarding Unjust Closure of My <em>Capital</em> One Business Spark Card Account Dear Consumer Financial Protection Bureau XXXX My name is XXXX XXXX XXXX and I am <em>writing</em> to <em>formally</em> <em>file</em> a <em>complaint</em> <em>against</em> <em>Capital</em> One regarding the unjust closure of my <em>Capital</em> One Business Spark Card account."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[18.49319,"12796952"]},{"_index":"complaint-public-v1","_id":"10711315","_score":18.377716,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One Bank USA for multiple violations of federal consumer protection laws.\n\nSpecifically, Capital One Bank USA has : Failed to Provide Validation Information : The agency has reported two closed collection accounts to consumer reporting agency without providing the required validation information as outlined in 12 CFR 1005.34 ( b ) ( 5 ).\n\nDisregarded Dispute Rights : Despite my attempts to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), the agency has continued to report inaccurate information.\n\nEngaged in Deceptive and Misleading Practices : The agency has used false, misleading, and deceptive means in its collection efforts, violating federal consumer protection laws.\n\nFurnished Information Without Proper Authority : The agency has furnished information to consumer reporting agencies without complying with the disclosure requirements of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).\n\nI have attached copies of the credit reports to substantiate my claims.\n\nI request that the CFPB investigate these allegations and take appropriate action against Capital One Bank USA to ensure compliance with federal consumer protection laws. I also request that the agency be required to remove the information on my credit report and cease all further collection activities. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-11-07T06:05:22.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"93955","tags":null,"has_narrative":true,"complaint_id":"10711315","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-11-07T05:20:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau, I am <em>writing</em> to <em>file</em> a <em>formal</em> <em>complaint</em> <em>against</em> <em>Capital</em> One Bank USA for multiple violations of federal consumer protection laws.\n\nSpecifically, <em>Capital</em> One Bank USA has : Failed to Provide Validation Information : The agency has reported two closed collection accounts to consumer reporting agency without providing the required validation information as outlined in 12 CFR 1005.34 ( b ) ( 5 )."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[18.377716,"10711315"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":128,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":128}]}},"product":{"doc_count":128,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":51,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":51}]}},{"key":"Debt collection","doc_count":47,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":18},{"key":"Credit card debt","doc_count":16},{"key":"Telecommunications debt","doc_count":6},{"key":"Auto debt","doc_count":2},{"key":"Medical debt","doc_count":2},{"key":"Other 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