Strange v. Capital One

Strange v. Capital One, D. Maryland Case No. 8:25-cv-02711

Case Summary: Case against Capital One for violation of Virginia usury statute which limits interest to 6% (unless otherwise permitted by contract). Complaint alleges that Capital One’s consumer contract permitting a higher interest rate is illusory because it allows the company to unilaterally change the contract terms. With no enforceable contract, Capital One is limited to charging a 6% interest rate. Complaint alleges violations of the Maryland Consumer Debt Collection Act and Consumer Protection Act, and the National Bank Act.

Case Documents:

Complaint (7/16/2025)

Amended Complaint (10/17/2025)