Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One National Association XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To : CFO/CEO/LEGAL DEPARTMENT, Re : Formal Notice of Liability, Violation of 12 U.S.C. 411, 412, G.A.A.P., Equal Credit Opportunity Act, and Opportunity to Cure This letter serves as a Formal Notice of Liability against Capital One National Association on behalf of XXXX XXXX XXXX XXXX for clear and actionable violations of federal statutes, regulatory principles, and biblical legal precedents governing equitable commerce . 

On or about XX/XX/year>, Capital One engaged in discriminatory practices and the unlawful restraint of trade through its denial of my consumer credit application, thereby infringing upon my consumer rights under the following statutes and principles : - 12 U.S.C. 411 and 412 : These statutes mandate that financial institutions provide equitable and fair access to money and credit. Your denial, without justification or proper documentation, constitutes a violation of my consumer legal right to such access. 
- Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ) : This federal statute prohibits discrimination based on race, color, religion, national origin, sex, marital status, or age in credit transactions. The denial of my clients credit application appears to have been made on arbitrary or discriminatory grounds, violating this law. 
- G.A.A.P. : Capital One, as a financial institution, is obligated to uphold principles of transparency, fairness, and non-discrimination in its dealings. Your institutions failure to do so further substantiates these claims. 
- XXXX XXXX ( XXXX XXXX ) : In alignment with ethical standards, the law requires impartiality in judgment. Your failure to act justly violates these moral and legal principles. 

This Notice of Liability serves as both a legal demand and an opportunity for Capital One to rectify its violations by reconsidering the denial of my consumer credit application and extending an appropriate line of credit, in line with my consumer financial profile, within 14 days of receiving this letter. Should you fail to cure this breach, I will seek all available legal remedies, including but not limited to, filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing compensatory and punitive damages for discrimination, lost financial opportunities, and emotional distress. 

Capital Ones conduct has caused real and quantifiable harm. I will pursue relief under 12 U.S.C. 411 and 412, the Equal Credit Opportunity Act, and other applicable statutes if you do not take immediate corrective action. Additionally, should this matter proceed to litigation, I will seek full discovery of your internal records related to this decision, which may further expose discriminatory practices, escalating your legal risk. 

I trust that Capital One will act swiftly and by the law to remedy this situation. Failure to do so will be seen as an explicit acknowledgment of guilt, opening the door for further legal and regulatory actions. 

Sincerely, /s/ XXXX XXXX XXXX XXXX XXXX 
President/ Trustee/Non-Decedent