Consumer complaint received 2021-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This vehicle was purcharsed XX/XX/2020. Facts sheet and definitions I the consumer has a right to invoke and specify a remedy I am invoking and specifying my remedy as a consumer. I am demanding compensation for each one of these violations and I am demanding a deletion from all consumer credit reports and I would like to receive my title. Any payments I made on as alleged debt that I allowed the debt collector to assume was valid it is my right to direct the debt collector to return or send my payments wherever I request which I choose by check. 
Exhibit A According to 15 USC 1692 H states if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts. Such debt collector may not apply such payment in accordance with the consumer directions. This is a violation. According to 28 usc 3002 the untied states of America defines itself as a federal Cooperation. When I the consumer purchased my vehicle to finance your cooperation /company used my social Security card. My Social Security card is attached to the Social Security administration. And the truth in lending section 15 USC 1601. Exhibit C .My social security is defined as a credit card. As a consumer I know that my social security card is used as an instrument by the Federal cooperation 28 usc 3002 which is the untied states My social security card is connected to an account at the federal reserve or trust that houses millions of dollars on my behalf. 
Capital one used my social security to fund my consumer transaction to make me believe they loaned the car to me when In reality the transaction Ive done is already paid for which means I am the original creditor and this also is a violation. Anything connected to my social which is to the federal reserve Is In the positive. Anything again with my social is already paid for. Exhibit D A credit card which is defined under section USC 1602 in the truth in lending section states that any card coupon or book or other credit device existing For the purpose of obtaining money property labor or other services on credit. This is why every transaction that involves my credit which is my Social Security card comes in the positive and its an open ended credit card. My car was paid off before I even purchased it. I am the original creditor. 
In my auto contract under the section security interestit states The security interest that you are giving us secures all amounts owed by you under this contract And all other agreements you have in this contract. Which means the car is paid for and Im literally paying the car note because I never requested validation and I allowed the finance company that debt was valid also a violation. Exhibit E According to 15 usc 1692 G Violation of debts number 3 states A statement unless the consumer within 30 days after the receipt of the notice disputes the validity of the debt or any portion thereof The debt will be assumed to be valid by the debt collector. This is a violation. There is no loan in my name because theres no such thing as a borrower. Which means I cant borrow my own money. The term borrower or citizen is never mention one time in any of the laws including The fair credit reporting act usc 1681, fair debt collections practices act usc 1692. Exhibit F According to 15 usc 1692 The only person who can extend credit is the only person who is creating the debt, which is me. 
Banks can not loan money. It is illegal for a bank to loan money. It is impossible. You telling me this is a violation. So if banks can not lend money the credit is coming from me. Again I am the consumer and the original creditor. According to the FDCPA the term debt collector means any person. Exhibit H The FDCPA 1692 states that any person or any creditor or any company Who attempt to collect a debt is debt collector. Capital one you are the debt collector. In law fraud trumps any solemn contract. My contract contains fraud which means its null avoid. Exhibit G According to USC 1602 in the truth in lending act number 5 states PREMIUM or any other charge for any guarantee or INSURANCE protecting the creditors against the obligor 's default or other credit loss. My insurance is suppose to be included in my finance charge. Me paying my insurance is not suppose to be a separate thing. Exhibit H Usc 1605 Another violation - 1690 usc 1692 Harassment or abuse 1692 D A debt collector may not engage in any conduct The natural consequence and which is to oppress harass oppress or abuse any person In connection with a collection With a debt without limiting a general application without before going. The following conduct is a violation of this conduct. The use Or threat of use of violence criminal Means to harm Physical reputation Or property of any person. So you cant threaten me. Also The use of obscene or profane language Or the language natural consequences with the abuse to hear or read. You mailing my car payment to my house of residence is obscene and profane language to me in my opinion. You telling me if I dont pay my car note by this date it will accumulate more interest, report late to my credit bureaus is a threat to me. I am highly upset and this situation is baffling. I feel robbed for my innocence and feel taking advantage of. I am mailing my affidavit of truth certified mail today to Capital One when I am done submitting this request, along with my invoice. I have a right to rescind.

Company response to consumer: Closed with explanation