Consumer complaint received 2021-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX DOB : XX/XX/1978 SOCIAL SECURITY # : XXXX RE : You violated the United States Code Law 15 U.S. Code 1692g - Validation of debts This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT.

15 U.S. Code 1681b - Permissible purposes of consumer reports Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.

FDCPA 8012 furnishing deceptive forms You reporting this false misleading information that you received from creditors to my credit report without my authorization. you never verified that i signed any documents before you took it upon yourself to report these deceptive forms on my credit report. 
I XXXX XXXX was entered into credit transactions that i did not consent to or authorize. I Testify to XXXX that ME, AND ONLY ME CREATED, WROTE/WRITTEN this letter on MY OWN BEHALF WITH NO HELP FROM OTHERS. I am sending this letter on purpose for sure. and i am not mistaken about any materials. I was entered into consumer transaction with XXXX XXXX Account Number : XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX made me purchase insurance separately. I was entered into a consumer transaction with 01 CAPITAL ONE N A  Account Number : XXXX. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because 01 CAPITAL ONE N A got the loan 15 usc 1431. 01 CAPITAL ONE N A used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by 01 CAPITAL ONE N A  illegally to obtain my approval status for an extension of credit. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. Please remove all fraudulent accounts as I have no know of any of these accounts due to the XXXX  data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. If I received good and services, please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). My information was obtained without permissible purpose.15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I demand that the following account be verified or removed immediately : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I D 01 CAPITAL ONE N A  Account Number : XXXX As a Consumer by law this account must be deleted.

02. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I D XXXX XXXX  Account Number : XXXX As a Consumer by law this account must be deleted. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation