Consumer complaint received 2019-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In a letter dated XX/XX/2019 addressed to XXXX XXXX XXXX and sent to all three ( 3 )  Credit Bureaus, the following document was attached as Proof of Claim in connection with the following accounts : XXXX, XXXX. 

In the responses from XXXX XXXX XXXX a summary of the accounts were sent and in the previous complaint to the CFPB ( Case # XXXX ) the document included the account and activities from the previous owner of the accounts but no documentation was included addressing the specific claim of XXXX XXXX XXXX 's rights to collect this debt. In the letter in response to CFPB, XXXX simply claim that " With the purchase of these accounts XXXX acquired all ownership rights, including the right to collect on these accounts and to report to the consumer reporting agencies ( known as " credit bureaus '' ), IF ELIGIBLE. '' The mere act of purchasing these accounts does not make XXXX ELIGIBLE to collect on these accounts. None of the following conditions have been satisfied : 1. XXXX MUST furnish a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector. 

2. XXXX MUST furnish a copy of the original promissory note/agreement redacting my social security number to prevent identify theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 

3. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. 

4. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

5. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 

6. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 

7. Verify you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable. 

8. Provide verification from the stated creditor that you are authorized to act for them. 

9. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 Sec. 1341.

Company response to consumer: Closed with explanation