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Capital One Financial Corporation

Address:

15000 Capital One Drive
Richmond, VA 23238

Contact Them:

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Capital One Financial Corporation is a company that offers a wide array of credit cards and lending options. Many Americans like you are being contacted by collection agencies hired by Capital One Financial Corporation who are trying to get payments on defaulted accounts. Even though you may owe a debt to Capital One Financial Corporation or the collection agency it hired, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.

If your alleged Capital One Financial Corporation account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

    Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.

  • 33 Comments

    1. Drew P. on June 9, 2015 at 11:07 pm

      Got a phone call from Capital One Financial Corporation saying that I owe $80 on my card. I explained to Capital One Financial Corporation that I have not had a card with them since 2007. I keep explaining this to Capital One Financial Corporation and they do nothing. I am afraid that Capital One Financial Corporation will hurt my credit with this nonsense.



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