Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX Dear XXXX XXXX XXXX XXXX, I am writing to you today to express my serious concern about the evident violations of the Fair Debt Collection Practices Act ( FDCPA ) that I have experienced due to the actions of your company. Specifically, you have violated codes. 

15 U.S. Code 1692b 15 U.S. Code 1692e ( 3 ) 15 U.S. Code 1692j ( b ) 15 U.S. Code 1692f ( 7 ) 15 U.S. Code 1692e ( 10 ) 15 U.S. Code 1692e ( 13 ) 15 U.S. Code 1692i ( b ) 15 U.S. Code 1692f ( 1 ) Enclosed, you will find evidence of these violations, along with an invoice and a detailed affidavit outlining these infractions. Furthermore, your dated letter serves as a clear example of your agency 's negligence toward ethical and legal obligations. I demand your prompt action to address these matters, as they not only highlight your agency 's lack of competence, but also a concerning disregard for consumer rights. 

Your actions have caused me to suffer significant harm, including emotional distress, damage to my reputation, and derogatory marks on my consumer report. This is unacceptable, and I demand that all derogatory marks are immediately removed from my consumer report. Furthermore, I demand that you pay the attached invoice for the cost of the harm caused by your violations. Your failure to comply with these demands will result in further legal action against your company to uphold my rights. 

I want to emphasize how seriously I take this matter, and how deeply disappointed I am that your company would violate such important regulations. The FDCPA exists to protect consumers from harassment, abuse, and other unfair debt collection practices. 

I urge you to take immediate action to rectify the situation, and to ensure that similar violations do not occur in the future. Please respond to this letter promptly with your plan for addressing these issues. I expect a response no later than XXXX XXXX, 2023. 

Enclosed documents : Initial Letter from XXXX XXXX XXXX  XXXX ( Dated XXXX ) Proof of Violations ( Exhibit 1, on XXXX, Exhibit 2, on XXXX, Exhibit 3 on XXXX ) Invoice for Damages Affidavit of Violations Sincerely, XXXX XXXX : Capital One, XXXX. c/o XXXX XXXX XXXX ( XXXX ) AFFIDAVIXXXX OF FACT Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder, in due course of any and all derivatives thereof for the given name XXXX XXXX XXXX, and being the executor both public and private for all matter proceeding, and I hereby claim that I will d/b/a XXXX XXX XXX and autograph as the agent, attorney in fact, so be it ; 1. It is a fact that affiant is the only natural person with first-hand competent knowledge of the facts of this transaction.

2. It is a fact that affiant is a consumer as defined in the relevant act because affiant is a natural person. 
3. It is a fact that XXXX XXXX XXXX XXXXXXXX is in violation of the relevant act for using their logo indicating that they are in the debt collection business. ( See Exhibit 1 ) 4. It is a fact that XXXX XXXX XXXX  XXXX is in violation of the relevant act for false or misleading representations for indication that the communication is from an attorney. ( See Exhibit 1 ) 5. It is a fact that XXXX XXXX XXXX XXXX is a debt collector as defined in the relevant act because they are attempting to collect an alleged debt. ( See Exhibit 1 ) 6. It is a fact that XXXX XXXX XXXX XXXX is in violation of the relevant act for communicating with affiant by postcard without the expressed direct permission of affiant. ( See Exhibit 1 ) 7. It is a fact that XXXX XXXX XXXX XXXX is in violation of the relevant act for stating the affiant owes an alleged debt. ( See Exhibit 1 ) 8. It is a fact that XXXX XXXX XXXX XXXXXXXX is in violation of the relevant act for false or misleading representations for implication of legal documentation. ( See Exhibit 2 & Exhibit XXXX ) XXXX. It is a fact that XXXX XXXX XXXX XXXXXXXX is in violation of the relevant act for legal actions by debt collectors by implication of having authorization to bring legal action. ( See Exhibit 2 & Exhibit XXXX ) 10. It is a fact that XXXX XXXX XXXX  XXXX is in violation of the relevant act for stating the affiant owes an alleged debt. ( See Exhibit 2 & Exhibit 3 ) 11. It is a fact that XXXX XXXX XXXX XXXX is in violation of the relevant act for request of collecting greater amount than what is allegedly owed. ( See Exhibit 2 & Exhibit 3 ) I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my knowledge so be it ; AFFIDAVIT OF FACT I DO NOT accept this offer to contract. 
I DO NOT consent to these proceedings.

Company response to consumer: Closed with explanation