Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had 2 credit card accounts with capital one in which they closed both accounts when i have 100 % payment history and owe them only around {$200.00}. Only reason why i even owe them that was because i was trying to get the {$200.00} bonus if i spent {$500.00} in first 3 months. anyway, it came to my acknowledgement of some things that i believe where violating laws that protect me and my rights as a man. So, i had concerns about my accounts which i will copy in paste the notice of liability i sent in as well as attach the full notice and the notarized copy. This notice was sent on XX/XX/XXXX " Dear Capital One Financial Corp./CFO, Provide me with under whose authority was it for someone to disperse only a portion of my extension of credits that was generated from both of my accounts listed above. Provide copies of the pre-set maximum amounts of each individual application. Please send the requested documents and information 10 days upon receipt of this notice. 
Thank you in advance for your rapid response. " So, after me sending them this notice i go in use my card and neither one worked. which i follow up with a notice of nonresponse opportunity to cure on XX/XX/XXXX here it is... 

" Dear Capital One Financial Corp./CFO, On XXXX XXXX, XXXX, ( certified mail # and everything ) we sent a notice of liability, and we requested documentation which you failed to provide in which it was in regards of the following : - Under whose authority was it for someone to disperse only a portion of my extension of credits that was generated from both of my accounts listed above. 
- Provide copies of the pre-set maximum amounts of each individual application and what they were run for. 
Also, now I am requesting the return of my applications and security credits with a statement under penalty of perjury that you are not using my information to be traded on the secondary markets. Failing to provide me with the documentation will be considered your express consent that you are using whats mine to unjustly enrich yourself. 

The fact that I went to use one of my credit cards and was declined on XX/XX/XXXX. Indicates very clearly the acknowledgement of the receipt of my notice of liability ( CM # as well ). The absurd actions you took by closing my accounts with no notice or reason when I have 100 % payment history has dropped my credit score estimated XXXX pts ( exhibit a ). Simply because I am requesting documentation concerning my accounts I have with you. Failing to provide me with under whose authority it was to disperse only a portion of my extension of credits that was generated from both of my accounts. We will suggest if you dont rebut it and provide the requested documentation that the person who did this knowingly was violating laws and were going off credit worthiness. Which is violating the Equal Credit Opportunity Act ( E.C.O.A. ) and worse. Failing to provide copies of the pre-set maximum amounts of each application ( 12 U.S.C. 412 ) and what they were run for. We will suggest unless you rebut it in provide the requested documentation that each one was run for {$100000.00} and laws that protect me, and my rights are being broken & violated. With little to no communication from Capital One on why I have not received the requested documentation. With the accounts being closed doesnt change my requested documentation and the fact that you are in possession of my securities that I am not gifting nor abandon them. It only brings more questions on why you would close accounts when the man who owns them has 100 % payment history with you company. I have the accounts setup to where they are not paperless and request to be only contacted through mail unless I provide specific details in the future. It will be a direct violation of my rights and if you fail to disregard my wishes there will be legal consequences. 
We will allow 5 additional days upon receipt of this notice to send all the requested documentation, or we will issue a default and your silence will be considered tacit agreement to the following : 1. Securities Fraud 2. Unfair and Deceptive practices 3. Unjust enrichment 4. In violation of T.I.L.A. 
5. In violation of the GBLA/ECOA 6 . In violation of the FCRA/FDCPA 7. Theft 8. Breach of Duty 9. This judgement cant be overturned or ever filed again to retaliate in any circumstances. 
10. Will reopen and extend both of these accounts to a necessary limit to show are gratitude and start a new long term business relationship. 
11. Extend Acct. ending # XXXX limit to {$30000.00}. 
12. Extend Acct. ending # XXXX limit to {$15000.00}. 
13. Pay in the amount of {$250000.00} for each account for all harm/damage done to XXXX XXXX within 72 hours of judgement. As well as any proceeds and security interest generated over the period of time of each account. 
14. Will correct any negative reporting ( ASAP ) that already has been done and will not report anything negative now or ever in the future without direct consent from XXXX XXXX. 
15. Never having any direct written consent from XXXX XXXX to report anything to any of the major credit reporting agencies or any similar agencies. 
16. Understands that XXXX XXXX is the beneficiary of these accounts when we processed his 12 U.S.C. 412 applications being the original instruments of each account and will not close these accounts in the future because the way he wants his accounts to be handled. 
17. Will not give XXXX XXXX any hassle if he wishes to do more business with us and applies for other credit cards or loans now or ever in the future. 

Exhibit ( a ) : See attached. ( I will attach the evidence to this complaint ) '' So, because i am requesting valid documentation that i have every rights to know and because i want it for my records they still failed to send it which i even suggested if they didnt send it and they didnt rebut it that it would be worth the amount it says. They are failing to send it because i believe if they sent it to me it would give me solid evidence of them breaking major laws and they rather let me put them in default and agree to the tacit agreement. Then they failed to send it once again after i gave them more than enough time than what i requested in the notices. So i issued them a default letter which all this letters i will attach the letters and the copy of the notarized ones and everything. here is the default i issued them " Dear Capital One Financial Corp./CFO, On XXXX XXXX, XXXX, we sent a notice of liability ( CM # as well ). Previous notice of nonresponse opportunity to cure sent on XXXX XXXX XXXX XXXX mail # XXXX XXXX XXXX XXXX XXXX XXXX we gave 5 additional days to send the requested documentation which you failed to provide once again that was in regards of the following : - Under whose authority was it for someone to disperse only a portion of my extension of credits that was generated from both of my accounts listed above. 
- Provide copies of the pre-set maximum amounts of each individual application and what they were run for. 
- Requesting the return of my applications and security credits with a statement under penalty of perjury that you are not using my information to be traded on the secondary markets. 

You Failed to provide me with the documentation which was very clearly stated that it would be considered your express consent that you are using whats mine to unjustly enrich yourself. 

Simply because I have requested documentation concerning my accounts, I have with you and you closing them when I have perfect payment history ( My score dropped XXXX { exhibit A } ). Extremely has my concerns wondering of why you still failed to provide all documentation that was requested. You failed again to provide me with under whose authority it was to disperse only a portion of my extension of credits that was generated from both of my accounts. We suggested if you didnt rebut it and provide the requested documentation which you didnt that the person who did this knowingly violating laws such as Equal Credit Opportunity Act ( E.C.O.A. ) and Fair Credit Reporting Act ( FCRA ). You failed again to provide copies of the pre-set maximum amounts of each application ( 12 U.S.C. 412 ) and what they were run for. We suggested unless you rebut it in provide the requested documentation which you didnt that each one was run for {$100000.00} and laws that protect me, and my rights are being broken & violated. With little to no communication from Capital One ( with no agent name or specific person that can be liable ) when I requested all documentation and I specifically said I only wanted to be communicated by mail and there would be legal consequences if not respected. That little communication you have done shows me your company keeps avoiding my documentation I am requesting in which I gave you the opportunity to cure or I would issue a default. This is notice that you are in default. 

In the consumer legal realm, it can call for private right of action if you force me to render this judgement. Summary judgement the judge can use his limited jurisdiction to ratify and settle my claim. 

Failure to comply tacit agreement to the following : 1. Securities Fraud 2. Unfair and Deceptive practices 3. Unjust enrichment 4. In violation of T.I.L.A. 
5. In violation of the GBLA/ECOA 6 . In violation of the FCRA/FDCPA 7. Theft 8. Breach of Duty 9. This judgement cant be overturned or ever filed again to retaliate in any circumstances.

10. Will reopen and extend both of these accounts to a necessary limit to show are gratitude and start a new long term business relationship. 
11. Extend Acct. ending # XXXX limit to {$30000.00}. 
12. Extend Acct. ending # XXXX limit to {$15000.00}. 
13. Pay in the amount of {$250000.00} for each account for all harm/damage done to XXXX XXXX within 72 hours of judgement. As well as any proceeds and security interest generated over the period of time of each account. 
14. Will correct any negative reporting ( ASAP ) that already has been done and will not report anything negative now or ever in the future without direct consent from XXXX XXXX. 
15. Never having any direct written consent from XXXX XXXX to report anything to any of the major credit reporting agencies or any similar agencies. 
16. Understands that XXXX XXXX is the beneficiary of these accounts when we processed his 12 U.S.C. 412 applications being the original instruments of each account and will not close these accounts in the future because the way he wants his accounts to be handled. 
17. Will not give XXXX XXXX any hassle if he wishes to do more business with us and applies for other credit cards or loans now or ever in the future. 



Exhibit ( a ) See attached '' So, through out the my administrative process they sent me only a few things stating for me to call them. In which they know i already told them i only wanted to be contacted by mail only or there will be legal conseqences. They had no reason of why they closed my account and the fact that they even closed my account because i had concerns and requesting something about my accounts is bizarre and against the law. Clearly they have something to hide and i will be enforcing this default one way or the other. I know they had a arbitration clause but i believe that just got lifted by law. So for the sake of Capital One i am giving them one more chance to cure or i will take the legal actions that are nessesary. How they can even try to act like i broke the law and closed my accounts when they cant even say why they close what account for what reasons. every notice they send me back never had a name so i can point a finger and say this person representing Capital one is liable for this. They are hiding something and i am not playing games they can look up my name and see if i didnt sue Walmart representing myself. So i am done playing games. Capital one you better think about the facts and the evidence of all this. cause i never missed a payment and as soon as i asked for things so i can keep records and understand fully whats going on with my account you just closed my accounts. This is the last chance i am giving you. Like i said you are only able to contact me by mail but i will be looking for your response to this. I will give you consent to contact me via email so we can privately handle this. If your response to this does not include a name and a contact via email so we can have it handled 10 days upon me corresponding to whom you want to handle it. Capital One, you have cause harm and damage to me in which you are liable for. If your response does not have in it what i am requesting so we can resolve this, and quickly, and if you ask me to call Capital One 's Customer Service number or any similar to handle this you will be causing more harm and your registered agent will be hearing from me. Or i will enforce it threw arbitration. either way i hope it don't come to that. i am using energy and time that adds on to my stress and mental health by giving you one last chance rather then enforce it already. I thank you for your time believe it or not because i am not on here trying to cause harm and time as we both know we can not get it back. Its sad it comes to this. CFPB give 15 days to respond. I am requesting you to get back to me in 5 days because i am done wasting anymore time. By Friday the XXXX i want a response back. i will be checking it. Have a great day.