Consumer complaint received 2021-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, that Capital One Auto Finance is in violation of 15 USC 1692f ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, Capital One has sent multiply debt collection statements to my place of residence again causing hardship and embarrassment on my reputation. 

Fact, that Capital One Auto Finance is in violation of 15 USC 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall-not state that such consumer owes any debt ; just as recent as XX/XX/XXXX Capital one has harassing me by sending not only statements in the mail but as well as text messages to my personal phone harassing me for debt. 

Fact, that Capital One Auto Finance is in violation of 15 USC 1692j ( A ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Capitol One has on multiply occasions reported a negative statement to the 3 major credit consumers under false validation of me not paying on this debt.

Fact, that Capital One Auto Finance is in violation of 15 USC 1692h Monthly payments have been made by me with only the assumption that debt is valid, in the amount of {$10000.00} which should be owed back to me the original creditor. 
Fact, on XX/XX/XXXX this instalment was signed and that Capital One Auto. Finance is in violation of 15 USC 1692g On the back of my Retail instalment sale contract it states This secures payment of all you owe on this contract. It also secures your other agreements in this contract as the law allows.

Fact, Capital One Auto Finance is in violation of 15 USC 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, again going back to my retail instalment the amount owed has already been paid to Capitol One.

Fact, that Capital One Auto Finance is in violation of 15 USC 1692e ( 11 ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Capitol One has sent every statement as showing my balance in the positive so again no debt is owed and they continue to report a negative on my consumer report. Causing hardship on me and my reputation.

Company response to consumer: Closed with explanation