Consumer complaint received 2021-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Thank you for your timely response, but its not a direct response to my cfpb complaint and the letters I mailed to you by certified mailing. Capital one has never extended credit to me. Pursuant to federal laws this was a consumer credit transaction. You, Capital one can not tell me I owe you anything without proof showing both sides of the accounting ledger where there was a loss of funds. Also you have to have delegation of authority from the Secretary of Treasury to collect any debts or alleged debts pursuant to 31 USC 3718. Pursuant to 15 USC 1692a ( 5 ) debt is an obligation or alleged obligation of a consumer to pay money arising out of a transaction. The alleged debt doesnt belong to me. The fact that you are making claims to me the natural person, consumer, original creditor that I owe you any debt is a violation of 15 USC 1692b ( 2 ) which makes you liable for {$1000.00} pursuant to 15 USC 1692k. I know I gave you the credit ; I originated the credit with my credit card, extending my credit for the open ended consumer credit plan ( which makes me the original creditor ). Credit card as defined in 15 usc 1602 means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor, or services on credit. Furthermore, pursuant to 15 usc chapter 41 I am a federally protected consumer and you have violated my rights by reporting inaccurate information and information I didnt consent to, to the consumer reporting agencies. This is a violation of my rights to privacy and also a violation under the FCRA, which I am entitled to another {$1000.00} pursuant to 15 USC 1681n. You did not have permissible purpose ( my written permission ) to report to any third party on my behalf. By reporting inaccurate information to these consumer reporting agencies you have destroyed my reputation which is another violation of 15 USC 1692d ( 1 ) and another 1,000 pursuant to 15 USC 1692k. It has come to my attention recently that you have closed my account, violating my cease and desist. You closed an account you did not create. I wasnt notified of the closing of my account in any communication from you, nor in your cfpb response. I created this account through a. Consumer credit transaction by extending my credit. You dont have authority to close something you did not create, otherwise this is discrimination pursuant to 15 USC 1691 ( a ) ( 3 ). My affidavit of truth still stands un rebutted under penalty of perjury as the truth! It is a fact that unless rebutted point for point all of my affidavits stand as uncontested. Please adhere to my demands in my cease and desist, bill of particulars, and affidavit of truth. I will not accept anything less than my consumer report updated showing no debt owed, nor late payments, monetary relief as shown in my bill of particulars for violating my rights and the emotional distress youve caused me, and re opening MY credit account. or further action will be taking to receive remedy for this matter. I already started the process through the mail and as known court starts in the mail.

Company response to consumer: Closed with explanation