Consumer complaint received 2020-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX file a complaint against XXXX XXXX XXXX and Capital One Bank USA N.A. It appears that once again, a national bank is at it again, selling off my past information to agencies such as debt buyers that are not even regulated for licensing in the Commonwealth of Massachusetts. Since the decision was made on Henson v. Santander Consumer USA, consumers throughout the United States are now stripped of their protective rights under the Fair Debt Collection Practices Act. I hereby attach a copy of a recent Experian credit report, and as you can see there is only one Capital One account on my report. Im in the middle of paying off my remaining charged-off debts as I went through multiple personal and medical issues over the past several years. Today I am gainfully employed and doing everything right to regain respectability in the credit community. I also had a default judgment reversed by a law firm that had to cover their aggressive collection practices by agreeing to vacate the judgment if I agreed not to file any additional complaints, such as with the Bar Overseers in the Commonwealth of Massachusetts. I had two collections reversed as they were outdated. Now my name is out there once again with the debt buying industry, an industry that is a complete scam to consumers in the United States. I am a woman of minority status, being a person of 50 % XXXX and 50 % XXXX heritage. I work a very responsible job for the Commonwealth of Massachusetts, and I believe that debt buyers target minorities due to their limitations within the financial system in general. I have been the target of racism and I do not believe that proper due diligence was proved on ownership of the three attached attempts to collect on transactions that are no longer enforceable. Secondly, my information on these collections will eventually be posted on each credit bureau without prop of collectability, or that the debts are legitimate. We need action on a national level to permanently cease and desist this activity. I demand a release of these collections immediately and a statement that if any attempt to place these collections on any of my credit bureaus will be rescinded immediately. If these actions are not taken I will : 1 ) submit additional complaints within the Commonwealth of Massachusetts agencies such as the Office of Attorney General and the Massachusetts Department of Banking ; 2 ) submit complaints with the NAACP and Urban League, as I believe that a proper investigation will prove XXXX bias in the debt purchase scam, as well as with their lawyers that enforce these judgment actions in our district courts, and ; 3 ) I have three additional areas to steer this issue to that I will reserve at this time. These collections total approximately {$3000.00} and they are all illegal and uncollectible in the Commonwealth of  Massachusetts. I demand my files to be purged with XXXX XXXX XXXX and Consumer Financial Protection Bureau sanctions against Capital One Bank USA N.A., for the free hand they have incorporated into the write off of re-aged debts. I will submit a complaint with each credit bureau to make them aware that both XXXX XXXX XXXX and Capital One Bank USA N.A. are in violation of their subscriber agreements respectively.

Company response to consumer: Closed with explanation