Consumer complaint received 2021-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital One : Harassed me on daily basis, even after arrangements and several payment plans for 3 credit cards with them. My work as a frontline XXXX XXXXXXXX XXXX worker, the sole XXXX XXXX XXXX whom oversaw compounding XXXXXXXX XXXX XXXX XXXXs for XXXX XXXX and XXXX XXXX XXXX for entire XXXX within the XXXX XXXX Area XXXX XXXX XXXX XXXX such as XXXX XXXX XXXX before it was approved by the FDA, XXXX XXXX XXXX XXXX like XXXX or XXXX  ; XXXX or XXXX  etc. I was interrupted constantly even though this was a Public Health Service Act and Emergency. These payments had cleared, I was told that until my balance was up to date, that anyone could call me at any time of day, even if I was working. 

My accounts were sold after payment arrangement were made. Capital One was informed of XXXX XXXX Apartment Rent Cares Act violation that I immediately contacted them on XX/XX/XXXX to change payment amounts. An agent took compassion to modify payment amount as I had emptied my entire bank account. The next day, Capital one sent my account to XXXX. 



Capital One Violated the Following : COVID-19 Consumer Protection Act of the 2021 Consolidated Appropriations Act TAGS : Consumer Protection MISSION : Consumer Protection LAW : Pub. L. No. 116-260, 134 Stat. 1182, Division FF, Title XIV, 1401 LINK : XXXX : XXXX For the duration of the COVID-19 public health emergency declared pursuant to section 319 of the Public

Health Service Act ( 42 U.S.C. 247d ), this Act makes it unlawful under Section 5 of the Federal Trade Commission Act for any person, partnership, or corporation to engage in a deceptive act or practice in or affecting commerce associated with the treatment, cure, prevention, mitigation, or diagnosis of COVID19 or a government benefit related to COVID19. The Act provides that such a violation shall be treated as a violation of a rule defining an unfair or deceptive act or practice prescribed under Sec. 18 ( a ) ( 1 ) ( B ) of the FTC Act.

U.S. Code 1691 - Scope of prohibition U.S. Code Notes prev | next ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.

U.S. Code 1692g - Validation of debts U.S. Code 1692c - Communication in connection with debt collection ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

U.S. Code 1692j - Furnishing certain deceptive forms.

15 U.S. Code 1692k - Civil liability.

Company response to consumer: Closed with explanation