Consumer complaint received 2021-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I just moved here from out of state. I needed a newer car. XXXX offered me a used XXXX XXXX with low mileage. I was managing the account and I notice my statement had billed late fees. I attempted to change my due date via capitol one. I contacted them and explained my new employer paid me bimonthly. My bill was due toward the end of every month. I was told when the account became current meaning .no late fees on the account. Capitol one would then agree to change my due date. which I continued to pay after the due date. I had no other alternative I was experiencing some economic challenges but was staying current with my account as best as I could. I was unable to bring the amount current because I was unable to do so with less money than I originally made Some months my checkbook was balanced to the last dollar. I worked to pay my normal car note in full meanwhile interest on the account continued to rise. 
The pandemic came and In XXXX I was laid off. I begin to receive unemployment, but it was less than my normal salary causing additional hardship. Capital One 's outgoing message stated, during the Pandemic, that customers should not worry during the quarantine period " Capitol one was not supposed to charge interest during the quarantine or reporting late payments due to Covid19. However, I was reported and when I disputed the information with the credit bureau, they retracted the report made to the credit bureau. unfortunately, if a disputed report is retracted, my credit score still drops. The irreversible damage has already been done to my credit score. Suddenly there seems to be an increase in payment reminders, past due, and there is a " change to your credit score '' emails. I did some independent research regarding my rights as a consumer. and a military widow. I found out there are some laws that are not being regarded when referencing my account. MY FAMILY AND I HAVE ALREADY PAID THE ULTIMATE PRICE FOR THIS COUNTRY. My spouse and father of children died on XXXX XXXX. All American citizens deserve civil and equitable treatment. I am disgusted by Capital One 's lack of moral compass and disregard for me as a fellow citizen and a consumer. 
I am confident, CAPITAL ONE Finance is violating my consumer rights per USC 15 congressional codes and the Fair Credit Reporting Act. I shared the information with Capitol ONE via registered mail. I am attaching the same documents I forwarded to them. It seems that they have elected to not take me seriously as a consumer. Per USPS my communication was delivered XX/XX/XXXX ( see attached receipt ) yet yesterday XX/XX/XXXX, I received communication from them about the state of my account. In the Communication, I included notarized documents a, Cease and Desist letter, an affidavit, and supporting documents there seems to be a pattern of harassment via phone calls and a breach of confidentiality on more than a few occasions via electronic documents. I included what I consider a fair resolution of a fraudulent contract. According to our countrys constitution and federal guidelines, certain violations have been repeated continuously. In my affidavit are my outlined expectations. I also checked the XXXX  reviews. My case is not an isolated incident. I need the support of your agency to ensure that this doesn't happen to anyone else doing business with Capital One. reputable established. They are blatantly violating established congressional codes. Statutes that go back as far as XXXX. I am beyond disappointed Any support in this matter would be greatly appreciated. 
Thank you

Company response to consumer: Closed with explanation