Consumer complaint received 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Notice to agent is notice to principal and notice to principal is notice to agent. I the federally protected consumer entered a consumer credit transaction with Capital One Auto Finance on XX/XX/XXXX. On XX/XX/XXXX I sent Capital One and have proof that Capital received the debt validation letter sent XX/XX/XXXX sent green return receipt and certified mail # XXXX XXXX XXXX XXXX XXXX and placed a complaint with the cfpb XXXX who responded with a partial contract. I went through the contract and found a host of violations that Capital One committed so I sent the the 1st notarized affidavit, cease and desist, and a invoice for FDCPA Violations sent green return receipt and certified mail # XXXX XXXX XXXX XXXX XXXX sent XX/XX/XXXX. Which Capital One ignored and sent a statement for the alleged debt. I then placed the 2nd complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX XXXX which Capital One responded on XX/XX/XXXX with the response its a duplicate complaint. Which it wasn't because the 1st time was debt validation and the 2nd time it was an Affidavit of Truth of the Federal laws and how Capital One has committed violations. I then sent Capital One the 2nd notarized affidavit, cease and desist, and a invoice for FDCPA Violations sent green return receipt and certified mail # XXXX XXXX XXXX XXXX XXXX sent XX/XX/XXXX which I have proof Capital One received. I then placed the 3rd complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX XXXX which Capital One responded on XX/XX/XXXX with the response its a duplicate complaint. I am aware and have proof that Capital One violated the cease and desist because they consistently ignored the specific remedies that the consumer invoked multiple times nor advised me the consumer of any specific remedies Capital One will be taking, if any. Capital One committed FDCPA violations and has not responded to either one of the affidavits with a rebutted affidavit point for point, instead they were acquiescence on the matter with both notarized affidavits. I printed out the federal laws Truth and Lending Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act and sent those to Capital One that Capital One committed and broke the language down in laymen terms on the federal laws for a person to understand. Ignorance of the law is no excuse and will not be excusable in federal court. These alleged statements come in a positive number and I'm not and will not pay on a positive balance. Debt is an obligation or alleged obligation which the word alleged means used to convey that something is claimed to be the case or have taken place, although there is no proof of such obligation because it was a consumer credit transaction. I initiated with my credit card definition from 15 USC 1602 ( l ) Capital One is an ambiguous debt collector furnishing deceptive forms and need to be legally accountable for their deceptive behavior and actions. I am demanding the agency to work with me the federally protected Consumer under the guidelines RICO, TILA, FDCPA, and FCRA. I will pursue a federal litigation if needing reinforcements on the facts of Federal law and Capital One not complying with federal law and obeying what the consumer demands. Trying to undermine and take an unjust advantage of a consumer who is well aware of legalese language and knowledgeable on the federal laws. I will stop at nothing to make sure Capital One is prosecuted for their inability to follow federal laws. I'm well aware that criminal liability comes first in Truth in Lending Act becaus congress found out corporations such as Capital One was lying to consumers about the Truth in Lending. Hence the title Truth and Lending Act, then comes civil liability in the Fair Debt Collection Practices Act. In a federal court lawsuit I'll be coming for criminal liability for an responsibile party nothing will be civil and no consideration will be accepted or negotiated Capital One. I am a harmed consumer who will take all the necessary steps to make sure my demands are met and satisfied.

Company response to consumer: Closed with explanation