Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CAPITAL ONES has violated my consumer rights and has caused great harm to my reputation, my character, and my mode of living which has caused XXXX XXXX XXXX XXXX XXXX. In response to my initial complaint of them violating my consumer rights ; they claim that my credit card account was sold to a third party on XXXX XXXX XXXX, and as such decline any and all requests for compensation regarding this matter. They however did not mention that they have not violated any federal laws. This complaint is in response to my consumer rights being violated and Capital One 's attempt to dodge the situation. Capital One 's response has nothing to do with my complaint. Selling my account does not excuses the fact that my rights have been violated and that I must be compensated for each of the violations. Here are the federal laws Capital One have broken which in turn has led them to violate my consumer rights. 15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have not given them permission to share my information with any third party nonaffiliated corporation. 15 U.S. Code 6801 ( b ) ( 1 ) to insure the security and confidentiality of customer records and information 15 U.S. Code 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I have not given them permission to disclose my records to any third-party nonaffiliated corporation. 15 U.S. Code 6802 ( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I have not received any notice from CAPITAL ONE which provides me the option to opt out of any disclosure. 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. No such clear and conspicuous disclosure has ever been provided to me. 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I was not been given any such opportunity to opt out of the initial disclosure. 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. No explanation has been given to me. Per 15 U.S. Code 1681 ( a ) ( d ) Consumer Report ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is evident that CAPITAL ONE has violated 15 U.S.C 1681 ( a ) ( d ) ( 2 ) for my report contains information in relation to transaction history. Altogether, they have violated my rights one hundred seventeen ( 117 ) times.

See attachments for full details.

Company response to consumer: Closed with explanation