Consumer complaint received 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is an affidavit : Please also reference CFPB complaint XXXX submitted on XX/XX/XXXX. This complaint is related. 

In accordance with everything listed in my CFPB complaint XXXX, and as a consumer and witness with firsthand knowledge of the events, I, XXXX XXXX state the following truths : On XX/XX/XXXX, Capital One N.A . has issued a letter to me as a consumer and as one of the People referenced in the Constitution for the United States of America, and the Georgia State Constitution. Per the aforementioned letter attached to this complaint, Capital One is now offering and intending to close my credit card account ending in XXXX, under the guise that " activity on this account or another account is not consistent with our expectations for account usage '' and alleges that this " activity '' " violates the Capital One Customer Agreement ''. As a consumer, I am unaware of what activity Capital One is referencing and what specifically is " violating '' their Customer Agreement and see now evidence of fraud and no evidence of any " activity '' that violates the Capital One Customer Agreement. I do not accept Capital One 's offer to close my credit card account ending in XXXX. 

Any and all " activity '' on this account was done in good faith, clean hands, subject to and in accordance with, including without limitation and pursuant to UCC 3-104 ; UCC 3-501 ; UCC 3-602 ; UCC 2-206 ; House Joint Resolution 192 ( HJR-192 ), Public Law 73-10, Tender in terms of the Negotiable Instruments Act ( 1881 ), Chapter 48, 48 Stat 112 ; ( Gold Reserve Act ) UCC Article 9 ; UCC 1-201 ( 24 ) ; UCC Article 3 ; 31 CFR 225.2/ Government Obligation ; 31 USC 5118 ( d ) ( 2 ) ; 31 USC 463, Public Law 97-258 ; UCC 4-302 ; 12 USC 411 ; Securities Act ( 1933 ) ; Congressional Statutes At Large , Title 62, Positive Law ; 31 USC 5312 ; UCC 2-304 ; 12 USC 1831n ( a ) ( 2 ) ( A ) /Uniform accounting principles consistent with GAAP ; 12 USC 1813 ( l ) ( 1 ) Deposit money or its equivalent ; Public Policy ; Mailbox rule law ; the Stamp Duties found in HR Bill No. XXXX ( XXXX ) ; and settlement in terms of the United Supreme High Court of Justice, Rule 45. Pursuant to the Uniform Commercial Code, Capital One had accepted, acknowledged, and apply all payments and discharged the debt in the amounts for value accepted. The UCC is applicable in sales, leases, negotiable instruments, bank deposits, funds transfers, letters of credit, bulk transfers and bulk sales, warehouse receipts, bills of lading and other documents of title, investment securities, and secured transactions of commercial transactions. Pursuant to UCC 1-201, money is only a medium of exchange currently authorized or adopted by a domestic or foreign government and it included a monetary unit of account established by an intergovernmental organization or by agreement between two or more countries. The UCC and the countries that agree to it and the law merchant is that agreement. Capital One is obligated to adhere to it and to not violate the United States Code, nor infringe on my constitutionally protected rights. I believe Capital One, N.A. is unfairly punishing me, harming me, creating a hardship for me as a consumer, willfully infringing on my constitutionally protected rights, and for exercising the force of the highest laws of this Land, still on the books, active and relevant, and with precedents.

Company response to consumer: Closed with explanation