Consumer complaint received 2022-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Account Numbers : XXXX & XXXX I have reasonable cause to believe that I have been extorted! 

Capital One is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me to make payments of an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority.

Capital One and the Consumer Reporting Agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. Capital One along with the help of the consumer reporting agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for nonrepayment thereof. This is a violation of 18 U.S. Code 1028A and 18 U.S. Code 894 and everyone involved shall be held criminally liable for engaging in racketeering activity. 

I would like Chief Executive Officer XXXX XXXX XXXX of Capital One to provide me with any documentary material certifying that I gave my lawful consent for my nonpublic personal information to be disclosed to nonaffiliated third parties. If this documentary material can not be provided, this has been fraudulently furnished information with forethought and malice as a means of bringing harm to me and my financial reputation. 

In a letter ( see Exhibit A ) from Capital One dated XX/XX/2022, Capital One Services stated, We closed your account as you asked, and your card is no longer active. 

As the true beneficiary, this has been done without my lawful consent. I would like the names of everyone involved in this conspiracy against my rights. I will need to see this documentary evidence to insure that Capital One isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation. 

Also, in a letter ( see Exhibit B ) from Capital One dated XX/XX/2022, the Customer Care Team stated, A copy of your customer agreement will be sent under a separate cover. 

I am aware that Capital One did not fully disclose the nonpublic personal information in their Agreement. 

Furthermore, Capital One has taken adverse action against me ( see Exhibit C and D ), with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 FCR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties.

My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Capital One before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Capital One to furnish any late payments to my consumer report. It is my belief that due to Capital One business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. 

I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship Capital One has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. 

This is my last and final attempt to address this matter before escalating this matter to a United States District Court and insuring that everyone involved in this conspiracy is brought up on charges. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved Cc : Corporations Implicated : Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Capital One XXXX Financial XXXX XXXX XXXX XXXX of Capital One Capital One XXXX XXXX XXXX of Capital One XXXX and XXXX  XXXX XXXX XXXX of XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX of XXXX XXXX Vice XXXX & XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Operating XXXX XXXX XXXX of XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXXXXXX XXXX XXXX & Chief Legal Officer XXXX XXXX XXXX XXXX  of XXXX  Information Services

Company response to consumer: Closed with non-monetary relief