Consumer complaint received 2019-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED i XXXX XXXX XXXX have Tendered payments thereto CapitalOne Bank on XX/XX/XXXX with proof of service and signatures required signed by all creditors as of XX/XX/XXXX when mailed out via USPS with proof of service. The law states that if the payment is not accepted then CapitalOne has five days to return that payment to me with lawful reason for denying it. CapitalOne has failed to do so. In fact it has been [ 96 ] days and the Tender of Payment has yet to be mentioned by CapitalOne. If the payment is not returned then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to CapitalOne which is well passed the five day time to respond. Attached are the FDCPA laws. 

The new law states " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83. 
Therefore all are hereby notified that i XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. i have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. 
Rather it has been over [ 96 ] days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. CapitalOne has notified the credit bureaus that i am late to a debt that was paid in full as of XX/XX/XXXX, XXXX i have the United States Post Office signed forms which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. If CapitalOne has decided to deny the payment then the debt obligation is DISCHARGED! 

Be aware that the address you have on file is XXXX XXXX XXXX XXXX XXXX NV XXXX, please send all response to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation