Consumer complaint received 2022-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX of 2021, I have been attempting to get valid information from Capital One stating that I owe the debt that they have placed on my account. This company has not provided valid proof of my person owing this alleged debt. 

This company never provided me with the proof I rightfully requested, instead, they constantly sent invalid information that proves nothing. 

After the first failed attempt, I sent this company a Failure in Dishonor, stating that I still received no valid proof, a Notice to Decease and Desist any further collection due to no proof, an Affidavit of Truth, itemizing all of the fines that were accumulated due to the violation of USC codes stated on each page that was sent. 

After my notice to cease and desist, Capital One has placed my account with a debt collector, who illegally left a process server on my doorstep with a statement that I was being sued for this alleged debt that was never proven my person owes. Capital One was no longer to contact me, as well as send forth any other collectors for this alleged debt. 

This alleged debt is now showing on my credit report as a charge off, which is affecting my livelihood, because my credit is now damaged. I then requested Capital One to send their 1099c tax form, as per the Generally Accepted Accounting Principles ( GAAP ), as I am well in my rights to do so. 

I have acted in my rights, in Pursuant to 15 U.S. Code 1692a ( 4 ) and 15 U.S Code 1602 ( g ), in my attempts to get VALIDATION of this alleged debt and not verification. Capital One is very aware of the information in which I am requesting. 

This situation has been a total detriment to me, my family and my future. The stress that I have accumulated due to this has shattered a harmonious mental, emotional and physical state as my credit has been compromised due to false information recorded from Capital One. My request as a consumer and the Original Creditor, has gone ignored and what was provided proves nothing.

I am unable to sleep and eat because of this situation. I have children who rely on my good standing health and this has even compromised how I am able to support them. The attempted lawsuit took everything over the edge as Capital One has no right to place any demands on me or targets on my credit without providing any valid proof. They did not provide what was asked forthey provided what they wanted to. 

Further, on their first return correspondence, it was stated that there was an agreement by phone. The correspondence I just received back states this was an online agreement. The process server note states that this was a written agreement. Which one was it? This is all confusing and none of it matches, which speaks to the fraudulent activities of this company. They refuse to provide what is requested, yet are unsure of how this alleged contract even was started. 

I am stressed out, in need of stabilization for my family and this yields a negative note on my record. My children are also stressed due to my stress. It is difficult for me to even concentrate because of the concerns of my livelihood due to the negligence of this company. 

Attached, please find all of the documents I have mentioned in this complaint. Youll see a past invoice that was sent to Capital One for all fines accumulated from violation of USC codes that were sent to me during our discussions, in which I am seeking compensation for. 

I Am looking forward to this matter being resolved in a positive manner to help other people in the same situation be redeemed from these awful corporations that will do anything to keep us in debt. 

I humbly request that you look into this matter with detail. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation