Consumer complaint received 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I come with clean hands and in good faith, UCC 1-308 ) to solve a matter breach in contact, & breach of fudicary duty. Billing Error 12 CFR 1027.13 The creditor Capital one closed my credit card accounts, capital-one wrote me and Demanded me in the letter to stop using my credit cards also stated that I immediately destroy any cards and any checks associated with it, The company closed my cards without full investigation or a clear reason of why the action was taken, Never once mentioned anything about the open end of my credit accounts with their company, I am morally offended about this matter, This has caused me great distress and embarrassment, about this type of action and violation of my privacy and my rights, Capital One failure of acknowledgement, that I am the the true holder in due course of all three contracts with their corporation and holder of the Three Accounts ending in XXXX ) ( XXXX ) account ending in XXXX ) During this recencion, Im claiming all my securities and interest that I unconsciously gave away, which happened when the contract was signed, Capital one failed to tell me about any interest or proceeds that is due to me that they decided to keep. That is Indeed misrepresenting & false advertising without full disclosure of the contract. Yes, I may have gave my consent, but indeed it was a one sided contract & that Is my reason for now reserving my rights. 

willful and knowingly withholding information Title 15 USC 1611 ) At this time I Am reclaiming all proceeds and interest, Also XXXX XXXX dollars each violation, The Law says according, to the Minnesota rule I get XXXX percent and Capitalone would keep XXXX percent, Silence is Acquiescence, Agreement, and Dishonor All debt securities are backed by the full faith and credit of the United States government. ( 31 USC 3123 ) Therefore, before Capital One closes any of my accounts, Send proof capital one loan me any of their own money or extended credit, Provide proof of the following information from your company, Please Provide proof of the Gaap part of the agreement or contract, with full disclosure agreement of each account with full account numbers # 2 proof that we are not under the emergency banking act 1933, Updated in 1994, Trading with the enemy act 1917 Proof of the indentured trustees fiduciary duties of the corporation for the consumers credit and interest of 1939.

I as the consumer expect Capital One To hold their fiduciary Obligation as trustee for my well being, anticipate that all 3 cards mentioned above remain open and are zeroed out while remaining open with extended credit for my use. I also expect that all owed securities interest and dividends are paid to me by check or money order or an account transfer. Please return all tender due. If these terms are not complied with, it's important to note that securities fraud/Trust fraud would constitute a valid cause for legal action in federal courts. Looking forward to a speedy response Thanks in advance.

Company response to consumer: Closed with explanation