Consumer complaint received 2019-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Mailed in care of the Post Office for the United States of America DATE : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL/NOTICE TO PRINCIPAL IS NOTICE TO AGENT ENFORCEMENT OF RIGHT OF SUBROGATION FOR FULL SETTLEMENT AND CLOSURE OF THE ACCOUNT To XXXX XXXX XXXX Pre-Legal Department XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Re : Account Number : XXXX To Whom It May Concern : I confirm that I have received a written communication from you addressed to myself and dated XXXX XXXX wherein you make reference to the above captioned matter. 

It is apparent that either : 1. You are acting on the presumption that some relationship that you may have with Capital One, N.A Saks Fifth Avenue, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship you have with Capital One, N.A Saks Fifth Avenue either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us ; or 2. You have entered into a contractual relationship inclusive of evidence of consideration paid to or agreed to be paid to Capital One, N.A Saks Fifth Avenue ), which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between myself and Capital One, N.A Saks Fifth Avenue. If indeed you have entered into such a contractual relationship with Capital One, N.A Saks Fifth Avenue as set forth in clause ii ) above, then I hereby confirm that I accept your offer to reduce the amount of the alleged obligation from {$2100.00} to {$0.00} and I confirm that I would like to make arrangements for settlement of the above referenced matter immediately upon you providing me with your written and legally binding assurance that you will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form that you must now be holding pursuant to the aforesaid contractual arrangement between you and Capital One, N.A Saks Fifth Avenue. 

ENFORCEMENT OF RIGHT OF SUBROGATION FOR FULL SETTLEMENT AND CLOSURE OF THE ACCOUNT I request to Invoke my Rights to Subrogation ; HJR 192 XX/XX/XXXX, Congress 73-10, Chapters 48 Stats 48 subsection 112 ; " He who creates the liability must provide the remedy '' ; Truth in Lending Act ( TILA ) of XXXX ; and " Refusal for Cause Without Dishonor '' UCC3- 501, 2-207 ( 2 ) ( c ). 
3. " I-demand-my-right-to-subrogation-and-we-are-not-moving-on-until-this-is-resolved. '' 4. " Public-Servant-prosecutor-do-you-conform-to- '' Clean-Hands-Doctrine ''? 
5. Then-certify-my-right-to-subrogation-in-avoidance-of-a-claim-for-destruction of Rights. '' ( As-certified-it-is-mine ). 
Of this presentment take due Notice and heed and govern yourself accordingly On behalf of XXXX XXXX Without recourse By : : XXXX : XXXX :, Equitable Beneficiary Title Holder

Company response to consumer: Closed with explanation