Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I consumer XXXX XXXX extended my credit to CAPITAL ONE and my federally protected consumer rights have been violated under the Truth in Lending Act - 15 U.S.C. 1602 and the Fair Debt Collection Practices Act. Pursuant to 15 U.S.C. 1602 ( g ) the definition of a " creditor '' is a person which is ( a natural person or its organization ) who regularly extends consumer credit or a person whom debt is arising from. CAPITAL ONE can not be the original creditor because the applicant starts and creates the credit. A request for the original creditor was sent and never answered along with a Affidavit of Truth in which if not rebutted line by line then it stands as truth in commerce. According to 15 U.S.C. 1602 ( i ) adjective consumer in reference to any consumer credit transaction in which the only party it can be offered and extended to is a natural person. CAPITAL ONE wants me to pay a debt that was already paid for through my credit card pursuant to 15 U.S.C. 1602 ( l ), credit card is any card ( social security card ) for personal use and household purposes for money, and services on credit. CAPITAL ONE was extended credit through my social security card, they went to the federal reserve bank and was paid through a discount of a finance charge. I do not owe this alleged debt. Anything signature under the social security number associated with the same name as me, is already paid for through the security and obligation of the United States pursuant to 18 U.S.C. 8 CAPITAL ONE is governed by the Fair Debt Collection Practices Act. I am a consumer and I am aware that CAPITAL ONE has violated my consumer rights. CAPITAL ONE has continued to contact me regarding a debt not owed. CAPITAL ONE is a debt collector and has violated my individual privacy by contacting me by mail involving unknown person and damaging my character, by having symbols on the mail that shows they're in the debt collection business in violation of 15 U.S.C. 1692b ( 5 ). CAPITAL ONE has compiled and furnish deceptive forms that are false and misleading in attempt to collect a debt not owed. This is a direct violation of 15 U.S.C. 1692j ( a ). CAPITAL ONE has sent statements that are credited coupons in a positive balance giving the wrong characterization of an amount of debt in violation of 15 U.S.C. 1692e ( 2 ) ( A ). Any debt that is disputed by the consumer, CAPITAL ONE must not apply any payment to the debt but must give it according to the consumer 's instructions, pursuant to 15 U.S.C. 1692h, I am demanding a return of all prior payments made. Pursuant to 15 U.S.C. 1692a ( 3 ) I am the consumer and I am not obligated to pay any debt as a natural person. 

CAPITAL ONE has violated and reported inaccurate and non public private information to consumer reporting agencies without my permission. Under Security and Obligation CAPITAL ONE has violated me under the Gramm Leach Bliley Act 15 U.S.C. 6802. I did not get written disclosure before CAPITAL ONE reported such information to OPT OUT of the reporting before it took place. CAPITAL ONE DID NOT HAVE MY WRITTEN CONSENT TO REPORT MY INFORMATION WITHOUT MY PERMISSION. CAPITAL ONE is criminally and civilly liable under these provisions.

Company response to consumer: Closed with explanation