Consumer complaint received 2022-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. ATTN : XXXX XXXX, XXXXCAPTIAL ONE FINANCIAL CORPORATION I HAVE REASON TO BELIEVE THAT I AM BEING EXTORTED BY YOUR COMPAY. I, XXXX XXXX, consumer, natural person, and the original creditor of an open-end credit plan, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). CAPTIAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE BANK USA NA has furnished false and misleading late payments to Account : XXXX as a way to coerce me to make on time payments. It is my belief that CAPTIAL ONE FINANCIAL CORPORATION has been committing theft by deception. It is my belief that furnishing late payments without my lawful authority as a matter ruin my financial reputation constitutes extortion in accordance with 25 CFR 11.417. Pursuant to 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. CAPTIAL ONE FINANCIAL CORPORATION 's failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraud and identity theft. Congress has stated that unfair credit reporting undermines public confidence which congress has made clear, is essential to the continued functioning of the banking system. CAPTIAL ONE FINANCIAL CORPORATION has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by CAPTIAL ONE FINANCIAL CORPORATION before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency nor CAPTIAL ONE FINANCIAL CORPORATION to furnish any late payments to my consumer report. It is my belief that due to your business relationship with consumer reporting agencies, such as XXXX, XXXX, XXXX, they parrot the information given to them by CAPTIAL ONE FINANCIAL CORPORATION as a means of coercing consumers to pay debts that they allegedly owe. It is my belief that CAPTIAL ONE FINANCIAL CORPORATION has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. As defined in Title 18 U.S. Code 1961, knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividends were an invoice for services provided by CAPTIAL ONE FINANCIAL CORPORATION, which is embezzlement, theft by deception and extortion. Extortion, dealing in an obscene manner, and theft by deception all constitute Racketeering Activity. If found guilty, Racketeering Activity carries a criminal penalty of 20 years to life in prison. This account is now in " charge off '' status, which means that this account has been written off to the IRS on my behalf without my knowledge and is uncollectible and written off as income. Income shall not be reported to the credit reporting agencies. I am aware, that, in accordance with 16 C.F.R. 433.3. CAPTIAL ONE FINANCIAL CORPORATION is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I may invoke my rights as the debtor in this consumer credit contract against CAPTIAL ONE FINANCIAL CORPORATION for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3. Certified Mail # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation