CFPB Complaint

CAPITAL ONE FINANCIAL CORPORATION – CFPB Complaint ID 3112945

Consumer Complaint Submission

Date Received: 2018-12-30T00:00:00.000

Product: Credit card debt

Issue: Threatened to contact someone or share information improperly

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/2018 Capital One agent ” XXXX ” ( ID # XXXX ) sought out and contacted my ex-husband ( of 9 years ), who was never listed on the account in any capacity. Neither his name, phone number or any other information was ever associated with the account.
After calling him, the advisor verified my name and social security number with him, which he obviously would have knowledge of as my ex-husband. He claims that he made it very clear that we were not married and have limited communication. Despite this, the advisor disclosed detailed information about the account and its balance, as well as offered to set up a payment arrangement and/ or settlement. It is my understanding that he declined this and advised the representative that she would need to contact me.
After receiving a call from him regarding this matter on the same day, I called Capital One and spoke with a supervisor ” XXXX ” ( ID # XXXX ) who claimed that this was a regularly used method by the company to reach debtors. I asked that the account be discussed with no others persons beside myself and was told ” they would do their best ”. Additionally I asked to have the account notated that no discussion with my ex-husband in particular is to happen. I was advised that she would notate the account, but couldn’t make any promises, however that I could send a written complaint/ request to Capital One General Correspondence.

Company: CAPITAL ONE FINANCIAL CORPORATION

State/Zip: MO

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3112945

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

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Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

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