Consumer complaint received 2022-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Previously CFPB complaint ID : XXXX Capital One Bank USA NA  stated Our records show that your account charged off on XX/XX/XXXX, XXXXFederal law definition of charge off The writing off of a debt and termination of collection activity without release of personal liability.See 7 CFR 1956.54 And to help you overstand what is a write off. By federal law definition, A write-off means Removing an asset from the books, especially as a loss or expense, while to deduct an item means to subtract it from gross income or adjusted gross income when calculating taxable income. So understand me Capital One Bank USA NA I am aware of your deceptive business practices. You can deny it all you want, thats cool, however, you believe you will be held accountable. You are furnishing to credit reporting agencies {$5700.00} written off which means you filed taxes, double dipping on the account, and did NOT comply with what the Internal Revenue Service required for you to do Capital One, which is provide me with the 1099c form. So guess what Im going to do Capital One Bank? Report you to the IRS since you failed to comply with the law and simple instructions. Any debt over {$600.00} is required a 1099c. Its public information so its no excuse us your ignorance for breaking the law! You closed my account without permissible purpose and that is also a violation of the law, you transferred my private information to an unauthorized 3rd party who was not a witness of our agreement which is another violation of the law! Capital One stated Your account was placed with XXXX XXXX for collections again, who was not a witness to our agreement, which is another violation of law.. Capital One are you insane? I have a right to privacy as a consumer. Do you understand how much trouble you are in? We can do this the right way or the hard way.. Prove to me where I gave Capital One written instructions, and permission to transfer my private information, to an unauthorized 3rd party who was not a witness, can you prove it to me please! Im reporting you to every agency I can think of. Im demanding to get an audit trail including your account ledger. I refuse to argue and go back and forth with you and you dont give me what I want, which is to reopen my account, because you didnt have any permission to close it without my consent in the first place that is 100 % illegal of Capital One. Capital One Decreased my credit limit from {$15000.00} to {$5000.00} WITHOUT my consent nor authorization is 100 % illegal. Do you know you can go to jail for authorizing another person account who has security interest without consent? See15USC 1602 ( p ) unauthorized use. 
I am demanding you to reopen my account, and now extend my credit limits to {$25000.00}. You will be held accountable for everything ALL the things you did to me, ruined my financial reputation and all the pain and suffering you have caused me and my family Capital One!

Company response to consumer: Closed with explanation