Consumer complaint received 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to Capital One on XX/XX/XXXX and XX/XX/XXXX they received it. I submitted a payment in the form of remittance/coupon paid on XX/XX/XXXX. 
Certificate of Non-Response Date : XX/XX/XXXX Re : Acceptances by Capital One on account number XXXX XXXX XXXX XXXX. 
I, XXXX XXXX have sent off certified mailing and payments in forms remittance/coupon in efforts to resolve and settle account number XXXX XXXX XXXX XXXX. This notice is Pursuant state law evidence of dishonor XXXX XXXX and UCC XXXX XXXX state the following as facts. 
On the date of XX/XX/XXXX, Capital One at XXXX XXXX XXXX XXXX, NC XXXX received a remittance/coupon payment via Certified Mail. The corresponding certified number is XXXX XXXX XXXX XXXX XXXX as verified by Certificate Of Service. 
After acceptance of mailing Capital One refused to send confirmation that account XXXX XXXX XXXX XXXX XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing your refusal, in response to the correspondence regarding account XXXX XXXX XXXX XXXX XXXX. 
Capital One did not cure your dishonor. Capital One gave no creditable or justifiable reason for refusal to confirm the adjustment and settlement of account XXXX XXXX XXXX XXXX or send a notice of dishonor. 
Therefore, based on the foregoing facts I state that Capital One dishonor me XXXX XXXX through non-response, and did thereby agree that Capital One accepted the remittance/ coupon payment for account number XXXX XXXX XXXX XXXX exchanged exemption for the discharge of the associated charges, including a settled account showing a zero balance, sent a letter of credit to the Secretary of Treasury as notice that exemption is to be used to settle account number XXXX XXXX XXXX XXXX. 
Further, Capital One agreed that refusal to send the written confirmation of settlement of account XXXX XXXX XXXX XXXX or a notice of dishonor from a qualified third party, in no way negates the fact that said account is to be settled, Capital One and any of its representatives have no capacity to pursue collection on said account, under UCC XXXX XXXX UCC XXXX, UCC XXXX, Pursuant 15 U.S. Code 1611 in the amount of {$5000.00}, Pursuant 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1692j in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( b ) ( 2 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( a ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1691 ( a ) ( 3 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1635 and UCC XXXX, Pursuant 15 U.S. Code 6823 ( a ) Pursuant 15 U.S. code 1635, Pursuant 15 U.s. code 6827 ( 4 ) ( b ), Pursuant 15 U.S. Code 1640 ( a ) in the amount of {$5000.00} per violation of higher depending on pattern of failures aka R.I.C.O charges in accordance with TILA Regulations, Pursuant 15 U.S. Code 1692k ( d ) I the affiant am invoking my jurisdiction and will administer judgment over this matter in accordance to 15 U.S. Code 169299c ( d ), I the Creditor in fact in accordance with 15 U.S. Code 1692a ( 4 ) and as the Creditor who had created the debt, I will declare default judgment in favor of I, XXXX XXXX. Company failure to rebut and bring forth proof of claim in this administrative audit show proof in exhibit l, that I owe the alleged debt show in prior notice, Pursuant 15 U.S. Code 1692k ( a ) ( 1 ) in the amount of damages awarded in the amount ofjudgment in class action suit and that any further pursuit of collection is agreement that Capital One collectively and without argument owe XXXX XXXX the amount of {$5000.00} plus the remedy for the previous correspondence {$2.00}, XXXX and all just due remedy pursuant the 15 U.S. Codes mentioned in this letter in accordance with FDCPA and TILA, Regulations, in the amount of {$10000.00} and any further judgments in accordance with 15 U.S. Code 1640 ( a ) and that I, XXXX XXXX XXXX take all necessary actions to secure the claim to the remedy which is owed. 
Notice to Agent notice knowledge XXXX. XXXX Respectfully Rights XXXX XXXX XXXX XXXX XXXX XXXX All Name Executor O The Estate Authorized Representative Certificate Of Acknowledgement The State Of New Jersey County of Before me, known to or through e ( description of identity card or other document ) to be the person whose name is subscribed to the foregoing instrument and acknowledged to me that he/she executed the same for the purpose and consideration therein expressed. 
( Seal ) Given under my hand and seal of office this day Of XXXX XXXX XXXX XXXX XXXX - State of New Jersey XXXX XXXX XXXX XX/XX/XXXX Notary Public, State of New Jersey

Company response to consumer: Closed with explanation