Consumer complaint received 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pursuant to 15 U.S. Code 1611 Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
Dated on XX/XX/2022 Capital One Bank USA NA stated to I, Consumer, XXXX XXXX, This is an attempt to collect a ( consumer ) debt ( claim ). Any information obtained will be used for that purpose. Overstand this Capital One, what I need you to really do this is, overstand Im aware you are in violation of 15 U.S. Code 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt okay now with that being expressed, listen to me as I walk you through this very serious matter of the law you have violated and consequences you are facing.. ( 1 ) PROVE with Documentary evidence that I, XXXX XXXX XXXX Consumer, gave Capital One the express consent to contact me directly or indirectly to collect any alleged debt? ( 2 ) Overstand that you are attempting to collect an extension of credit by extortion means according to federal law 18 U.S. Code 894 ( a ) Whoever knowingly participates in ANY way, OR conspires to do so, in the use of ANY extortionate means ( 1 ) to collect or attempt to collect ANY extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I have all Documentary evidence Capital One Bank USA NA is attempting to collect an extension of credit by extortion means. So as long as Capital One Bank NA are aware of their actions and violations and consequences, that is fine with me. Im aware Capital One Bank is double dipping, my account are currently being reported to Credit Reporting Agencies as of XX/XX/2022 as Charge Off by Federal law definition means The writing off of a debt and termination of collection activity without release of personal liability. Which validated Capital One are performing deceptive business practices because a Write off by federal law definition means Removing an asset from the books, especially as a loss or expense, while to deduct an item means to subtract it from gross income or adjusted gross income when calculating taxable income. So there you have it, Im aware of Capital One deceptive business practices, as a federally protected consumer my rights has been violated. 
You are reporting inaccurate information on my credit reports so I am demanding Capital One to UPDATE my account to the credit reporting agencies as PAID AS AGREED! 15 U.S. Code 1681s ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
UPDATE MY ACCOUNT AS PAID AS AGREED TODAY! All actions necessary will be taken if you decide to fail to comply with my instructions within my XXXX complaint! Warning Im fully aware of Capital One Bank USA NA deceptive business practices!

Company response to consumer: Closed with explanation