Consumer complaint received 2016-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
MY MAILBOX SYSTEM HAD ALOT OF POSTAL ISSUES AND I ALREADY CALLED AND SPOKE TO POSTAL MASTER OF MISSING ULTILTY BILLS.I recieved email last week from XXXX about possible data breach from 2014. And to contact all credit reporting agencies. 
CAPITAL ONE account is not mine. I HAD PULLED MY CREDIT REPORT, WHICH I DO EVERY 6 MONTHS.I WORK MANY HOURS FOR THE GOVERNMENT. 
I ALSO WROTE THE STATE ATTORNEY OFFICE AND FTC IN RESPONSE. 
I have no knowledge of it, no legal obligation for it and no information as to its origin. 
There is NO police REPORT or fraud AFFIDAVIT possible and no information or documentation in my possession in regard to the data contained in the tradeline CREDIT REPORT. 

Please send me a copy of the XXXX forms sent to you by the CRAs and the return forms, ( XXXX ) sent back to them by you. Please provide me with a description of the investigation procedure conducted in this matter. If you are unable to verify this item with signed account level documentation you are to provide me a copy of a letter informing the credit reporting agencies and requesting removal of the item from my credit files within the time frame afforded by law. Pursuant to the Fair Debt Collection Practice act, 15 U.S.C. s 's 1601, 1692, et seq, This constitute timely written notice that I decline to pay the attached erroneous purported debt which is unsigned and unattested, and which I discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud. A contract, quid pro quo, where were both giving something and you both signed for it, well then there 's obligations on both sides. You do n't really have that in a lending agreement.If you do n't send proof, all of a sudden you are in fraud collecting this bill. You actually owe me money for being fraudulent. 

I got this bill and I just want to verify, validate that this bill is something that I owe. '' You know in these times of all this identity theft online and so on, this is just reasonable, good book keeping, okay? You sent me this? That does n't mean I owe it. I just want you to prove that I owe this bill. That 's all I 'm doing. I 'm not being confrontational. I just want you to prove it the way the law says you have to prove it. I sent you a letter asking you to send me the correct documentation within 30 days that validates the debt. That 's the rule, that if I owe this bill. Here 's the issue. For any debt by a lending institution, you can not send me the information that I do in fact owe you. You ca n't send it to me because you do n't have it, okay? I got some bill in the mail, and there is something on my credit report. That 's kind of like a bill because it 's saying on my credit report there 's this derogatory account. In other words, a derogatory account or any listing of a tradeline account active is that someone 's saying I owe this bill and you have n't paid us yet. So whether it 's a bill that comes in the mail or something on my credit report that 's negative, that 's another kind of a bill, all I am doing in now is basically this. I am asking you for the accounting records of this trade. 
The accounting records will show, legally, I gave you a promissory note and you gave me Federal Reserve notes. There was a debit entry into the accounting. There was a credit entry into the accounting. They cancelled each other out, debit for credit, credit for debit. The transaction was complete when the notes were traded. I do not owe you a penny. Your accounting records prove it. All I 'm asking for is that proof : " Could you show me your accounting records and that contract, the wet ink signature contract, or a copy of the contract that is affidavited? '' What does that mean, affidavited? In other words, somebody has to make a copy, then sign at the bottom, I made this copy and their signature is notarized. All I 'm asking is, " Please. validate. ''

Company response to consumer: Closed with explanation