{"took":56,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":418,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17149566","_score":16.128374,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint against Capital One due to multiple fraudulent credit card accounts that were opened in my name without my authorization, as well as unauthorized withdrawals of funds from my account. \n\nDespite my repeated attempts to resolve this matter directly with Capital One, they have refused to close the fraudulent accounts or return the money that was wrongfully taken. I have provided them with all the necessary documentation and proof showing that I did not open or authorize these accounts, yet they continue to disregard my reports and allow these accounts to remain active.\n\nThis situation has caused me significant financial stress and has negatively impacted my credit. I am requesting that the CFPB investigate Capital Ones handling of this matter and require them I am asking for the CFPBs assistance to ensure this issue is properly investigated and resolved as quickly as possible.","date_sent_to_company":"2025-11-10T14:00:53.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"29801","tags":"Servicemember","has_narrative":true,"complaint_id":"17149566","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-10T13:51:27.000Z","state":"SC","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB <em>investigate</em> <em>Capital</em> Ones handling of this <em>matter</em> and require them I am asking for the CFPBs assistance to ensure this issue is properly <em>investigated</em> and resolved as quickly as possible."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[16.128374,"17149566"]},{"_index":"complaint-public-v1","_id":"5892691","_score":16.112846,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"CapitalOne approved me for a pre-approved MasterCard credit card in approximately XX/XX/XXXX. \nThey then billed me for an Unauthorized purchase in XX/XX/XXXX. They then began an investigation according to the applicable federal rules. The matter was resolved in my favor and the purchase was removed by the company. In fact CapitalOne eventually removed the unautorized charges from my account. However, CapitalOne insists on charging me monthly late fees for the time that they were investigating the the dispute. I don't believe that they are allowed to do that. Please direct them to remove the charges and amend my Credit Report. \n\nRespectively Submitted, XXXX XXXX","date_sent_to_company":"2022-08-18T10:35:45.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"32211","tags":"Servicemember","has_narrative":true,"complaint_id":"5892691","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-08-18T09:59:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["However, <em>Capital</em>One insists on charging me monthly late fees for the time that they were <em>investigating</em> the the dispute. I don't believe that they are <em>allowed</em> to do that. Please direct them to remove the charges and amend my Credit Report. \n\nRespectively Submitted, XXXX XXXX"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[16.112846,"5892691"]},{"_index":"complaint-public-v1","_id":"3687486","_score":15.9638405,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I am a victim of identity theft, capital one allow someone to open a fraudulent credit card account with my information I been trying to resolve this matter I also reported to the police and also email capital one the police report I called everyday & ask them to do a full investigation an remove the fraudulent credit card loan off my credit report, No Response from the credit company","date_sent_to_company":"2020-06-07T20:14:53.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"3687486","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-06-07T20:03:13.000Z","state":"PA","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["I am a victim of identity theft, <em>capital</em> one <em>allow</em> someone to open a fraudulent credit card account with my information I been trying to resolve this <em>matter</em> I also reported to the police and also email <em>capital</em> one the police report I called everyday & ask them to do a full <em>investigation</em> an remove the fraudulent credit card loan off my credit report, No Response from the credit company"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[15.9638405,"3687486"]},{"_index":"complaint-public-v1","_id":"3265476","_score":15.886082,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received a notification from Capital One on an account ending XXXX that XXXX, XXXX, and XXXX reported the account as fraud. Causing Capital One to close the account. I never claimed this or any other account was fraud. As a matter of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they investigate the accounts I specified. This Capital One account was not among the disputed accounts. Capital One is allowing known mistakes like this rather than contact the customer. Looking on the internet reveal that Capital One is well aware of this issue with the credit bureaus. Why is Capital One not requesting a copy of the customer fraud claim from the credit bureaus. It's took UNVERIFIED action against me ... And that without a call to me ...","date_sent_to_company":"2019-06-05T21:39:09.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"60649","tags":null,"has_narrative":true,"complaint_id":"3265476","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-06-05T21:20:43.000Z","state":"IL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I received a notification from <em>Capital</em> One on an account ending XXXX that XXXX, XXXX, and XXXX reported the account as fraud. Causing <em>Capital</em> One to close the account. I never claimed this or any other account was fraud. As a <em>matter</em> of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they <em>investigate</em> the accounts I specified. This <em>Capital</em> One account was not among the disputed accounts."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[15.886082,"3265476"]},{"_index":"complaint-public-v1","_id":"10660494","_score":15.821018,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, a Capital One Credit Card was opened fraudulently with my Social Security Number. I was notified by XXXX and I confirmed on XX/XX/year> that the account was opened with my Social Security Number. I have attempted to work with Capital One regarding this issue but they have advised me that they cant and wont remove my Social Security Number from the account. I sent Capital One documents as well that prove my Social Security Number is mine and I sent them a copy of my ID as well. I sent this information to Capital One to help aid an investigation on their end. I also sent the credit bureaus 3 letters advising that my Social Security Number is being used in a fraudulent and unauthorized manner. I am requesting a thorough investigation into this matter as Capital One is allowing an account to stay opened with my Social Security Number and have confirmed that they will not investigate or open a fraud complaint regarding this event.","date_sent_to_company":"2024-11-01T13:11:43.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"79407","tags":null,"has_narrative":true,"complaint_id":"10660494","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-11-01T12:57:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["I sent this information to <em>Capital</em> One to help aid an <em>investigation</em> on their end. I also sent the credit bureaus 3 letters advising that my Social Security Number is being used in a fraudulent and unauthorized manner. I am requesting a thorough <em>investigation</em> into this <em>matter</em> as <em>Capital</em> One is <em>allowing</em> an account to stay opened with my Social Security Number and have confirmed that they will not <em>investigate</em> or open a fraud complaint regarding this event."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[15.821018,"10660494"]},{"_index":"complaint-public-v1","_id":"7465744","_score":15.671599,"_source":{"product":"Debt collection","complaint_what_happened":"Capital Accounts is trying to collect on a debt Ive already disputed, and was closed do to them not being able to provide a signed contract on this alleged debt. Their response to this matter and I quote was : Dear Consumer, Thank you for contacting Capital Accounts , LLC via the portal regarding your account. We have paused collections on your account while we investigated your allegations. As a matter of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this matter. Additionally, we will submit a request to all three credit bureaus ( XXXX, XXXX, and XXXX ) to have this account deleted from your credit report. \nThank you for allowing us the opportunity to respond to your concerns. Capital Accounts , LLC XXXX XXXX","date_sent_to_company":"2023-08-27T11:55:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"78155","tags":null,"has_narrative":true,"complaint_id":"7465744","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Capital Accounts, LLC","date_received":"2023-08-27T11:35:25.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Capital</em> Accounts is trying to collect on a debt Ive already disputed, and was closed do to them not being able to provide a signed contract on this alleged debt. Their response to this <em>matter</em> and I quote was : Dear Consumer, Thank you for contacting <em>Capital</em> Accounts , LLC via the portal regarding your account. We have paused collections on your account while we <em>investigated</em> your allegations."],"company":["<em>Capital</em> Accounts, LLC"]},"sort":[15.671599,"7465744"]},{"_index":"complaint-public-v1","_id":"11651214","_score":15.585994,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a compliant in regards to Capital Ones failure to allow me to deposit money or transfer money from my accounts since Wednesday, XX/XX/XXXX. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to make sure my rights are upheld. Thank you.","date_sent_to_company":"2025-01-18T00:49:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"61201","tags":null,"has_narrative":true,"complaint_id":"11651214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-18T00:34:00.000Z","state":"IL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I am filing a compliant in regards to <em>Capital</em> Ones failure to <em>allow</em> me to deposit money or transfer money from my accounts since Wednesday, XX/XX/XXXX. <em>Capital</em> One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in <em>investigating</em> this <em>matter</em> to make sure my rights are upheld. Thank you."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[15.585994,"11651214"]},{"_index":"complaint-public-v1","_id":"9492972","_score":15.58237,"_source":{"product":"Debt collection","complaint_what_happened":"Identity Theft CAP ONE VIA DEALER Date of inquiry : XX/XX/year> I have not inquired about an Auto loan with Capital one, nor do i have a vehicle with Capital one. This account is a result of identity theft. I have Filed an FTC report followed by dispute letters which were mailed out to bureaus regarding this matter. Ive asked for a thorough investigation, and proof of ownership of this debt, and proof of allowing this company to sell my information to a company i did not authorize.","date_sent_to_company":"2024-07-13T16:34:39.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"11003","tags":null,"has_narrative":true,"complaint_id":"9492972","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-07-13T16:28:24.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Identity Theft CAP ONE VIA DEALER Date of inquiry : XX/XX/year> I have not inquired about an Auto loan with <em>Capital</em> one, nor do i have a vehicle with <em>Capital</em> one. This account is a result of identity theft. I have Filed an FTC report followed by dispute letters which were mailed out to bureaus regarding this <em>matter</em>. Ive asked for a thorough <em>investigation</em>, and proof of ownership of this debt, and proof of <em>allowing</em> this company to sell my information to a company i did not authorize."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[15.58237,"9492972"]},{"_index":"complaint-public-v1","_id":"9925236","_score":15.492897,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This account was previously disputed with the help of the CFPB author credit for instructed to remove Capital One charges not reporting payments increasing interest rates fraudulent charges closing account and continuing to add monthly rates reporting every week in an attempt to constantly drop my score they reported no payments since the creation of the account this was previously investigated all three periods were instructed to remove it when I appeal after the investigation favored me I have multiple unauthorized charges and they were not reporting the payments that I had made they also closed the account without calls or purpose without verification of validation and did not report payments made while increasing the monthly rate without warning this account was removed from the credit bureaus on XXXX XXXX XXXX when I filed an appeal is approved our XXXX the XXXX XXXX XXXXXXXX as record of this original decision from the appeal filed with the CFPB and the protection agency On this account was not reporting from XXXX until XXXX the Capital One closed the account and reported it to the credit bureaus again after being removed and the credit bureaus allowed them to do it despite the appeal favoring me to close and remove Capital one which is why it was not reporting through all of those months they were not allowed to however when attempted to a close the account they reported that it was over the limit and that payments had not been made ever and despite the unauthorized charges and filing a dispute that this Capital One account had already been removed from the credit bureaus and the credit bureau XXXX XXXX and XXXX all have record of the appeal filed with the CFPB and the outcome yet they allowed Capital One to report this account as delinquent over the limit and closed after 4 months of not allowing them because I won the appeal for the dispute that I filed with my complaint against the credit bureaus decision to deny my dispute with evidence shown I brought that evidence here in XXXX and to the consumer protection agency when I filed my complaint on XX/XX/XXXX and Capital One was removed from the account on XXXX the XXXX this record is indicated at all three credit bureaus yet that was ignored even during my appeal to which I've lost leaving me no choice but to seek him outside agency to investigate the matter involving the unauthorized charges that they were originally removed for and that original decision that won my appeal post investigation of XXXX  decision to deny my dispute despite the unauthorized charges reporting a close account without validation of verification not reporting payments made allowing the account to go over the balance limit closing the account and then still adding monthly fees increasing the monthly fees more than what was originally agreed to account takeover by XXXX XXXX occurred and unauthorized charges occurred thus the fraud report that is on all three credit bureaus I would like someone to investigate this matter and rule is previously ruled to remove Capital One for the reporting bureaus stop the continuous attack which has no basis or merit and is constantly dropping my score but then XXXX month I went from XXXX perfect score to a bad XXXX And that is due to Capital one 's repetitive attack on my credit score and doing so with falsified information fraudulent charges and fees I'm not reporting payments made while increasing monthly fees even after closing the account unjustly","date_sent_to_company":"2024-08-25T00:38:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"64130","tags":null,"has_narrative":true,"complaint_id":"9925236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-08-24T23:10:13.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["reporting a close account without validation of verification not reporting payments made <em>allowing</em> the account to go over the balance limit closing the account and then still adding monthly fees increasing the monthly fees more than what was originally agreed to account takeover by XXXX XXXX occurred and unauthorized charges occurred thus the fraud report that is on all three credit bureaus I would like someone to <em>investigate</em> this <em>matter</em> and rule is previously ruled to remove <em>Capital</em> One for the"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.492897,"9925236"]},{"_index":"complaint-public-v1","_id":"11592601","_score":15.248106,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. And also allowing me to have access to my funds for 5 whole days!!!!! Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.","date_sent_to_company":"2025-01-20T14:04:39.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"19713","tags":null,"has_narrative":true,"complaint_id":"11592601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-01-20T13:50:02.000Z","state":"DE","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["This situation raises concerns about consumer protection laws, and I request your assistance in <em>investigating</em> this <em>matter</em> to ensure my rights are upheld. Thank you."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[15.248106,"11592601"]},{"_index":"complaint-public-v1","_id":"10999411","_score":15.191691,"_source":{"product":"Credit card","complaint_what_happened":"A fraudulent charge of {$500.00} was placed using my Capital One credit card information on XX/XX/year> at an XXXX in Delaware, a state other than my residence state. \n\nWhen alerted of this charge by Capital One, I immediately reported that I did not recognize this transaction and reported it as fraud. \n\nHowever, Capital One allowed this charge to go through and is now holding me liable. \n\nXXXX was contacted, whom advised prior to my card being utilized, the fraudulent individual attempted to utilize two other credit cards not belonging to myself that were declined. XXXX advised that they could obtain video footage from that day, however the individual needed to do so was currently out of the office. Capital One was not interested in this information and has it failed to do their due diligence to investigate this fraud and resolve this matter. \n\nTo be clear the complaint at this time is with Capital One, not XXXX.","date_sent_to_company":"2024-12-02T15:45:51.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"171XX","tags":null,"has_narrative":true,"complaint_id":"10999411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-12-02T15:25:59.000Z","state":"PA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["<em>Capital</em> One was not interested in this information and has it failed to do their due diligence to <em>investigate</em> this fraud and resolve this <em>matter</em>. \n\nTo be clear the complaint at this time is with <em>Capital</em> One, not XXXX."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[15.191691,"10999411"]},{"_index":"complaint-public-v1","_id":"3502415","_score":15.150979,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My credit limit is XXXX and capital One has not increases my credit limit and has declined XXXX payment transaction due to my credit limit. \n\nAfter capital One decline payment transaction I did authorize XXXX to further charge my credit card due to the credit card limit and the notice from the bank that the transaction was declined on multiple occasions. \n\nThe transaction is a fraudulent transaction and I didn't authorize this transaction after the payment was declined by Capital One Bank. \n\nAttached are the notices from Capital One that the transaction was declined due to the credit limit being XXXX. \n\nCapital One has not increases my credit limit and have allowed a fraudulent transaction on my account without my permission or authorize after multiple notice regarding the credit card limit of XXXX This transaction is a violation of the Patriot Act. \n\nPlease see attachment. \n\nI have records all conversation with capital One regarding this matter under investigation.","date_sent_to_company":"2020-01-20T17:16:35.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"223XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3502415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-01-20T16:39:49.000Z","state":"VA","company_public_response":null,"sub_issue":"Credit card company won't increase or decrease your credit limit"},"highlight":{"complaint_what_happened":["Attached are the notices from <em>Capital</em> One that the transaction was declined due to the credit limit being XXXX. \n\n<em>Capital</em> One has not increases my credit limit and have <em>allowed</em> a fraudulent transaction on my account without my permission or authorize after multiple notice regarding the credit card limit of XXXX This transaction is a violation of the Patriot Act. \n\nPlease see attachment. \n\nI have records all conversation with <em>capital</em> One regarding this <em>matter</em> under <em>investigation</em>."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[15.150979,"3502415"]},{"_index":"complaint-public-v1","_id":"10924082","_score":15.078735,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/year>, I recieved an electronic deposit of my student loan refund from XXXX XXXX  XXXX XXXX to my Chime Checking account # XXXX, in the amount of {$6600.00}. I then transfered the money from my Chime Checking account to my Capital One Checking, account # XXXX, on XX/XX/year>. Upon deposit of the funds to the Capital One account, Capital One froze my account to investigate the validity of the funds. On, XX/XX/year>, I recieved an email from Capital One, stating my account was closed due to possible fraudulent funds being deposited, pending further investigation. \n\nSince XX/XX/year>, Capital One continues to state that the funds are still being held until Capital One returns the funds to the \" original insurer ''. Capital One will not send proof that funds are in process of being returned or where funds are being sent. I assume the original insurer Capital One is referring to is Chime ( Stride Bank ). Chime has been contacted on multiple occassions and denies recieving funds or communication of any kind from Capital One. \n\nThe funds are being held by Capital One, and have not been returned to the original insurer or made available to me.\n\nCapital also has not proven that the funds were fraudulent, yet still will not allow me to re-open my account.\n\nCapital One has been notified that a complaint with CFPB is being filed and has been informed that a request to escalate this matter to the managment team of their investigation department is requested.","date_sent_to_company":"2024-11-25T23:28:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30134","tags":null,"has_narrative":true,"complaint_id":"10924082","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-11-25T22:32:59.000Z","state":"GA","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The funds are being held by <em>Capital</em> One, and have not been returned to the original insurer or made available to me.\n\n<em>Capital</em> also has not proven that the funds were fraudulent, yet still will not <em>allow</em> me to re-open my account.\n\n<em>Capital</em> One has been notified that a complaint with CFPB is being filed and has been informed that a request to escalate this <em>matter</em> to the managment team of their <em>investigation</em> department is requested."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[15.078735,"10924082"]},{"_index":"complaint-public-v1","_id":"7198667","_score":15.034774,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have already disputed this account and Capital Accounts sent a letter stating, that they have closed the account and submitted a request to all three credit bureaus : \" Dear Consumer, Thank you for contacting Capital Accounts , LLC via the portal regarding your account. We have paused collections on your account while we investigated your allegations. As a matter of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this matter. Additionally, we will submit a request to all three credit bureaus ( XXXX, XXXX, and XXXX ) to have this account deleted from your credit report. Thank you for allowing us the opportunity to respond to your concerns. Capital Accounts , LLC '' The account is now showing up on my credit report again. The original complaint number is : XXXX","date_sent_to_company":"2023-07-03T23:45:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"84121","tags":null,"has_narrative":true,"complaint_id":"7198667","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Capital Accounts, LLC","date_received":"2023-07-03T23:31:56.000Z","state":"UT","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have already disputed this account and <em>Capital</em> Accounts sent a letter stating, that they have closed the account and submitted a request to all three credit bureaus : \" Dear Consumer, Thank you for contacting <em>Capital</em> Accounts , LLC via the portal regarding your account. We have paused collections on your account while we <em>investigated</em> your allegations."],"company":["<em>Capital</em> Accounts, LLC"]},"sort":[15.034774,"7198667"]},{"_index":"complaint-public-v1","_id":"5801070","_score":14.96327,"_source":{"product":"Checking or savings account","complaint_what_happened":"HI, I opened capital one bank checking ( account ending XXXX ) on XX/XX/XXXX and made direct deposit {$250.00} and few days later ( XX/XX/XXXX ) funds in the account was not accessible, I checked online banking it shows Your funds are currently not available for withdrawal. Please call us at XXXX. I contact the customer care on XX/XX/XXXX and they told they are investigating account and will back within few days. On every month I am contacting customer care to allow to withdraw {$250.00} but every time they are saying they are still investigating. \n\nCan you help me in this matter to get the funds ( {$250.00} ) and close my account with capital one.","date_sent_to_company":"2022-07-22T19:15:37.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"197XX","tags":null,"has_narrative":true,"complaint_id":"5801070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-07-22T19:02:53.000Z","state":"DE","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["On every month I am contacting customer care to <em>allow</em> to withdraw {$250.00} but every time they are saying they are still <em>investigating</em>. \n\nCan you help me in this <em>matter</em> to get the funds ( {$250.00} ) and close my account with <em>capital</em> one."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[14.96327,"5801070"]},{"_index":"complaint-public-v1","_id":"6485685","_score":14.686778,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Capital One for violating my consumer rights. I have had several issues with Capital One, including the following : 1.Charging me the maximum late fees allowed under federal law.\n\n2. Not sending me my card agreement after I requested it which was very inconvenient to do since you have to dig for that request on their site because it's not automatically uploaded in your online account portal.\n\n3. Closing my account without proper notice or explanation.\n\nI believe that these actions by Capital One are in violation of the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ). I request that the CFPB investigates these matters and takes appropriate action against Capital One.\n\nIn addition, I request that Capital One be required to provide me with a clear and conspicuous disclosure of the amount of any late fee imposed and the method used to calculate the fee. Also, I request to receive a copy of my card agreement that I previously requested and that my account be re-opened, if possible.\n\nI would appreciate a prompt response and any possible compensation for the harm caused by these violations.\n\nThank you for your time and attention to this matter.","date_sent_to_company":"2023-01-26T06:04:04.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"681XX","tags":null,"has_narrative":true,"complaint_id":"6485685","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-01-26T05:25:41.000Z","state":"NE","company_public_response":null,"sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["I believe that these actions by <em>Capital</em> One are in violation of the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ). I request that the CFPB <em>investigates</em> these <em>matters</em> and takes appropriate action against <em>Capital</em> One.\n\nIn addition, I request that <em>Capital</em> One be required to provide me with a clear and conspicuous disclosure of the amount of any late fee imposed and the method used to calculate the fee."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[14.686778,"6485685"]},{"_index":"complaint-public-v1","_id":"13131150","_score":14.67418,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am filing a formal complaint against Capital One regarding the handling and credit reporting of my charged-off credit card account. I believe Capital One is violating my rights under the Fair Credit Reporting Act ( FCRA ), and potentially the Servicemembers Civil Relief Act ( SCRA ), depending on applicability.\n\nIssue Summary : Capital One charged off my credit card account, but they continue to report both a credit limit and monthly late payments after the charge-off date. This reporting appears to be inaccurate and misleading, which is a potential violation of the FCRA.\n\nDespite the account being charged off, Capital One refuses to provide a settlement amount that would allow me to resolve the debt in good faith.\n\nI have contacted Capital One multiple times via phone and written communication to request clarification, a settlement amount, and corrections to the credit reporting. Each time, I either received no response or was given no useful information or assistance. No action has been taken on their part to resolve this matter.\n\nRequested Action : Investigate Capital Ones reporting of my account for compliance with federal law, including whether post-charge-off late payment reporting is appropriate.\n\nRequire Capital One to correct any inaccurate reporting, particularly the continued reporting of late payments after charge-off.\n\nFacilitate a fair settlement option that would allow me to resolve the account.\n\nIf found to be inaccurately reported or in violation of the law, request that this account be deleted from my credit report.","date_sent_to_company":"2025-04-23T23:56:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"218XX","tags":null,"has_narrative":true,"complaint_id":"13131150","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-04-23T23:47:14.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have contacted <em>Capital</em> One multiple times via phone and written communication to request clarification, a settlement amount, and corrections to the credit reporting. Each time, I either received no response or was given no useful information or assistance. No action has been taken on their part to resolve this <em>matter</em>.\n\nRequested Action : <em>Investigate</em> <em>Capital</em> Ones reporting of my account for compliance with federal law, including whether post-charge-off late payment reporting is appropriate."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.67418,"13131150"]},{"_index":"complaint-public-v1","_id":"22234359","_score":14.600224,"_source":{"product":"Credit card","complaint_what_happened":"To Whom It May Concern, I am filing this formal complaint against Capital One concerning an unauthorized charge that occurred after my account had already been closed due to fraud. \nOn or about XX/XX/year>, Capital One sent a letter stating they closed a quicksilver card account after true fraud activity was reported. Despite the closure, an additional charge of approximately {$140.00} was processed on XX/XX/year>. \nThis transaction should never have been authorized or permitted on an account that had already been closed for fraud-related reasons. The fact that charges were still able to process after closure raises serious concerns regarding Capital Ones fraud prevention procedures, account controls, and consumer protections.\n\nAfter discovering the charge, I immediately contacted Capital One. Rather than resolving the issue internally, I was instructed by Capital One representatives to dispute the transaction through my bank. I followed their instructions and filed a formal dispute with my financial institution. \nI dispute the validity of this charge and believe Capital One failed to properly secure and terminate the account after closure. Allowing post-closure charges to continue is unacceptable and may constitute improper billing and unfair account handling practices. \nI request the following : Immediate reversal and permanent removal of the unauthorized {$140.00} charge Written confirmation that the account was officially closed effective XX/XX/year> Confirmation that no further charges, collections activity, or negative reporting will occur related to this transaction A full investigation into why transactions were allowed after the account closure I also request copies of all records related to : The account closure Fraud reports associated with the account Any authorization connected to the XX/XX/year> charge Internal notes and communications concerning this matter Capital Ones handling of this matter has caused unnecessary financial harm, inconvenience, and stress. I request prompt resolution and full compliance with all applicable consumer protection laws.","date_sent_to_company":"2026-05-15T07:20:53.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"89110","tags":null,"has_narrative":true,"complaint_id":"22234359","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-05-15T07:13:48.000Z","state":"NV","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Any authorization connected to the XX/XX/year> charge Internal notes and communications concerning this <em>matter</em> <em>Capital</em> Ones handling of this <em>matter</em> has caused unnecessary financial harm, inconvenience, and stress."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[14.600224,"22234359"]},{"_index":"complaint-public-v1","_id":"4220401","_score":14.586038,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My consumer finance complaint ID is XXXX. \nCompany responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response Dear XXXX XXXX, Thank you for contacting Capital Accounts , LLC via the portal regarding your account. When we received your complaint, we immediately paused collections on your account while we investigated your allegations. As a matter of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this matter. Additionally, we will submit a request to all three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX to have this account deleted from your credit report. Thank you for allowing us the opportunity to respond to your concerns. Capital Accounts , LLC.","date_sent_to_company":"2021-03-16T11:14:49.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77082","tags":"Older American","has_narrative":true,"complaint_id":"4220401","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Capital Accounts, LLC","date_received":"2021-03-16T10:52:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["As a <em>matter</em> of courtesy, and solely in an attempt to reach resolution of your concerns, we have proactively closed this account in our system and returned it to your original creditor. You should receive no further communications from us on this <em>matter</em>. Additionally, we will submit a request to all three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX to have this account deleted from your credit report. Thank you for <em>allowing</em> us the opportunity to respond to your concerns. <em>Capital</em> Accounts , LLC."],"issue":["Problem with a credit reporting company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Capital</em> Accounts, LLC"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.586038,"4220401"]},{"_index":"complaint-public-v1","_id":"18837125","_score":14.51902,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am filing this complaint against Capital One Auto Finance regarding its refusal to address a valid dispute involving an unfunded warranty included in my auto loan. \n\nCapital One financed a vehicle purchase that included a {$4300.00} warranty. The dealership failed to pay the warranty administrator, leaving the contract unactivated. The dealership is now bankrupt.\n\nI invoked my rights under the FTC Holder Rule, which allows consumers to assert seller-related claims against the holder of the credit contract. Multiple attempts were made to resolve this issue with Capital One via mailed complaints on XX/XX/year> and XX/XX/year>. Capital One ignored the substance of my claim and responded only with generic credit reporting information, refusing to investigate or provide relief. \n\nI am paying interest on a product never delivered Capital One is enforcing a loan balance inflated by seller misconduct My attempts to resolve the matter have been dismissed without review I request that the CFPB require Capital One to provide a substantive response addressing the Holder Rule claim and explain why it believes it may collect on an unfunded warranty.\n\nThank you for your assistance.","date_sent_to_company":"2026-01-19T19:51:51.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"76021","tags":null,"has_narrative":true,"complaint_id":"18837125","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-01-19T19:44:57.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["I invoked my rights under the FTC Holder Rule, which <em>allows</em> consumers to assert seller-related claims against the holder of the credit contract. Multiple attempts were made to resolve this issue with <em>Capital</em> One via mailed complaints on XX/XX/year> and XX/XX/year>. <em>Capital</em> One ignored the substance of my claim and responded only with generic credit reporting information, refusing to <em>investigate</em> or provide relief."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[14.51902,"18837125"]},{"_index":"complaint-public-v1","_id":"14952272","_score":14.460372,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Comenity Capital Bank and XXXX  for Unauthorized Hard Inquiry and FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an unauthorized hard inquiry on my XXXX  credit report and the mishandling of a dispute by XXXX. \n\nYesterday, I noticed a hard inquiry on my XXXX  credit file listed as ComenityCapital/SaksXXXX. Inquiry date : XX/XX/year>2025. I contacted Comenity Capital Bank immediately to investigate this matter. I spoke with a representative from their fraud department named XXXX, employee ID XXXX. She clearly informed me that there was no record of any credit application under my name in their system and that she had no explanation as to why this inquiry was showing up on my credit report. \n\nXXXX advised me to file a dispute with XXXX, which I did on the same day through their official website. The dispute was regarding the unauthorized hard inquiry posted date : XX/XX/year> as I have not applied for any credit with Commenity. \n\nShockingly, XXXX  resolved the dispute in less than 24 hours and closed it under file number XXXX as a verified This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies conduct a reasonable investigation and allows up to 30 days to complete it. XXXX did not comply with this requirement. \n\nI am requesting that the CFPB step in and assist me in holding XXXX  accountable for failing to properly investigate a dispute and for reporting inaccurate and unauthorized information on my credit report. I also request an investigation into Comenity Capital Bank regarding the origin of this inquiry. \n\nI appreciate your attention to this matter and hope for a fair resolution. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-07-29T16:14:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33417","tags":null,"has_narrative":true,"complaint_id":"14952272","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-07-29T16:14:00.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I am requesting that the CFPB step in and assist me in holding XXXX  accountable for failing to properly <em>investigate</em> a dispute and for reporting inaccurate and unauthorized information on my credit report. I also request an <em>investigation</em> into Comenity <em>Capital</em> Bank regarding the origin of this inquiry. \n\nI appreciate your attention to this <em>matter</em> and hope for a fair resolution. \n\nSincerely, XXXX XXXX XXXX"]},"sort":[14.460372,"14952272"]},{"_index":"complaint-public-v1","_id":"5233938","_score":14.460268,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/2021 I booked lodging reservations with XXXX. My trip was booked for XXXX and it was a total of {$690.00}. The agent at XXXX inserted my Name, Email and Mailing address incorrectly which was the reason why I never received a reservation confirmation. I contacted them and they told me I did not have any reservations with them. I contacted my bank -CAPITALONE to file a dispute. After XXXX days my dispute was denied because the vendor ( Getaroom ) provided them with documentation. I asked CAPITALONE to provide me with the documentation so I could review as well. Once I received the documentation I noticed my Name, email and mailing address information was incorrect and XXXX sent my hotel reservations to someone else. I asked capital one why did they accept this information if they new it was wrong and I was told well some of the information was correct. The only information thats as correct was my last name and phone number. I had capital one reopen my case and to investigate. They denied my case a second time and refused to look into it further. I filed a complaint over the phone and no one has called to address it. I also provided capital one with new reservations I had to make. \n\nIm not sure why and how Capitalone allowed the vendor to charge my card and the name and billing address did not match. The vendor did not provide a service and they took my money. \nCapital one refused to fight getaroom and assist me with this matter because of the terms and conditions getaroom has. \n\nCapital one should be held accountable for allowing the vendor to commit fraud. \n\nI had to submit a claim with the XXXX XXXX XXXX and XXXX XXXX has decided to give me a full refund. But Capital One shouldve helped me XXXX for the money they allowed them to XXXX!","date_sent_to_company":"2022-02-17T16:13:05.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"20601","tags":null,"has_narrative":true,"complaint_id":"5233938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-02-17T16:02:00.000Z","state":"MD","company_public_response":null,"sub_issue":"Can't stop withdrawals from your account"},"highlight":{"complaint_what_happened":["But <em>Capital</em> One shouldve helped me XXXX for the money they <em>allowed</em> them to XXXX!"],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[14.460268,"5233938"]},{"_index":"complaint-public-v1","_id":"5272991","_score":14.422587,"_source":{"product":"Debt collection","complaint_what_happened":"I wrote capital one to get my account restored and a copy of 1099-C was filled for {$100000.00} to open up an investigation for final accounting with XXXX XXXX XXXX XXXX XXXX XXXX \n\nMy writing were ignored I feel my Payment was discriminated against seeing my creator does not allow us to pay in dishonor and died for my sins. \n\nPursuant to 18 U.S. Code 242 - Deprivation of rights under color of law my religious rights were violated. My creator gives me abundance. I was discriminated against under XXXX of law titles. \n\nMy account was closed and my character was defamed by capital one bank this falls under United States Code : Fraud and False Statements, 18 U.S.C. 1001-1026 ( 1952 ). \n\nThis matter needs to be investigated.","date_sent_to_company":"2022-03-01T18:18:19.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"28216","tags":null,"has_narrative":true,"complaint_id":"5272991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-03-01T18:04:06.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["My account was closed and my character was defamed by <em>capital</em> one bank this falls under United States Code : Fraud and False Statements, 18 U.S.C. 1001-1026 ( 1952 ). \n\nThis <em>matter</em> needs to be <em>investigated</em>."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[14.422587,"5272991"]},{"_index":"complaint-public-v1","_id":"20072908","_score":14.398422,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding an unresolved account takeover issue involving my Capital One credit card account that has remained unresolved for over a year. \n\nIn 2025, shortly after I was approved for a Capital One XXXX credit card, an unauthorized individual gained access to my account and changed the email address associated with the account. During this time, virtual card numbers connected to the account were used for fraudulent transactions. My Capital One Quicksilver account was not affected. \n\nWhen I contacted Capital One after receiving fraud alerts, I was informed that the email address on the account had been changed by an unauthorized individual. I was told the email address could not be immediately reverted due to internal security restrictions, and the account was frozen while the issue was investigated. \n\nApproximately one week later, I was able to regain access to the account, restore my email address, and reset my login credentials. However, shortly after this occurred, the same situation happened again and the email address was changed a second time. \n\nFollowing this second incident, Capital One restricted my ability to access my account through online banking or the mobile application due to security concerns. Since that time, I have been required to call customer service in order to check my balance, review transactions, and make payments. \n\nThis situation has now continued for approximately one year. When I contact Capital One for updates, I am repeatedly transferred between departments and told that the matter is still under investigation. No permanent resolution has been provided. \n\nIt is unreasonable to maintain a credit card account for over a year without allowing the customer online access to their account. \n\nI am requesting that Capital One close the compromised account, transfer the existing balance to a new account number, and restore normal online and mobile access. \n\nI am seeking assistance from the CFPB in resolving this matter.","date_sent_to_company":"2026-03-08T03:22:49.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"73170","tags":null,"has_narrative":true,"complaint_id":"20072908","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-03-08T03:12:42.000Z","state":"OK","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["When I contact <em>Capital</em> One for updates, I am repeatedly transferred between departments and told that the <em>matter</em> is still under <em>investigation</em>. No permanent resolution has been provided. \n\nIt is unreasonable to maintain a credit card account for over a year without <em>allowing</em> the customer online access to their account. \n\nI am requesting that <em>Capital</em> One close the compromised account, transfer the existing balance to a new account number, and restore normal online and mobile access."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[14.398422,"20072908"]},{"_index":"complaint-public-v1","_id":"8950245","_score":14.343884,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB Complaint : Capital One Charge-Off Without Proper Notice Please note : This is a template. You may need to modify it to fit your specific situation. \nI. Introduction I am filing a complaint against Capital One for violation of my rights regaring a debt charge-off. I was unaware of thi debt and was not given a fair oportunity to dispute the information before it was charged off. \nII. Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX XXXX I XXXX XXXX XXXX. \n\nLast 4 Digits of Social Security Number ( XXXX ) : Account Number ( # XXXX ) : III. Description of Complaint I recently discovered that Capital One charged off a debt on my account. I was not previously notified of this debt or given the opportunity to dispute its validity. \nIf Capital One believes they sent a notification, add the following sentence : If Capital One claims to have sent a notification regarding this debt, I request a copy of the certified receipt with my signature as proof of delivery. \nDue to the lack of proper notification, I have been unfairly disadvantaged in resolving this matter. \nIV. Request for Relief I request that the CFPB investigate this matter and ensure that Capital One : Provides documented proof of attempted notification regarding the debt. \nIf proper notification can not be proven, rescinds the charge-off and allows me to dispute the debt. \nProvides clear information on the steps to resolve this issue. \nV. Additional Information I am committed to resolving this issue fairly and appreciate the CFPB 's assistance in this matter. \nThank you for your time and consideration. \nSincerely, XXXX XXXX XXXX I XXXX XXXX XXXX. \nXXXX XXXX, Louisiana XXXX","date_sent_to_company":"2024-05-08T00:02:55.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"701XX","tags":null,"has_narrative":true,"complaint_id":"8950245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-05-07T23:47:40.000Z","state":"LA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Due to the lack of proper notification, I have been unfairly disadvantaged in resolving this <em>matter</em>. \nIV. Request for Relief I request that the CFPB <em>investigate</em> this <em>matter</em> and ensure that <em>Capital</em> One : Provides documented proof of attempted notification regarding the debt. \nIf proper notification can not be proven, rescinds the charge-off and <em>allows</em> me to dispute the debt. \nProvides clear information on the steps to resolve this issue. \nV."],"company":["<em>CAPITAL</em> ONE FINANCIAL CORPORATION"]},"sort":[14.343884,"8950245"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":418,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":418}]}},"product":{"doc_count":418,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":103,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":98},{"key":"Other personal 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