Consumer complaint received 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is in regard to Capital One 's actions, that I am in an active civil federal claim ( case XXXX ) with them for unjustly closing 2 of my accounts when I owe them no debt and have 100 % payment history. Now, I dont have much time to explain the whole case because I shouldn't because it would be causing me more harm. But I will attach documents from the federal case so you can get details and exhibits to show the evidence of what I am saying it true. I have tried to confer or discuss with Capital One 's counsel as they have acted in bad faith and dont rebut it or dispute it when I tell them they are either. They have closed my accounts because I requested documents that I am entitled to under 15 usc 1681g, they are willfully violating these and other laws that protect me and my rights which is also under 15 usc 1681n. Like I said, I am going to be going through this quickly because I truly dont have the time as my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for some reason and they only thing I can think of which I am pretty sure is because I am at my desk nonstop dealing with holding people harming me accountable. Which is sad. I am writing this because I have requested from my first notices before I issued them a default for their non-compliance. They had 100 % acknowledgement which you will see in the attached documents that they chose not to send me the requested documents because this whole federal case they have done everything they could to not have to provide these documents. I am going to attach my motion to compel that didnt get granted only because the judge thought it was premature and because she has ordered them to respond to provide my Rule 34 production of documents request from the federal rules of civil procedures. I have formally requested a statement under penalty of perjury that Capital One has not sold nor traded my nonpublic personal information ( XXXX ) under 15 usc 6801 the Gramm Leach Bliley Act, the safeguarding of my privacy and data protection. They have yet to provide me such statement or documentation to prove it, and even tried to get me to sign a confidentiality agreement when they cant even tell prove to me the protection of my XXXX  I am writing this because they even have Consent Orders on these exact things, and it seems like they can careless about if they violate them or not. I can honestly make a statement under penalty of perjury saying that because it is the Gods honest truth of what I believe from the way they have been treated me and the harm they continue causing me including physical harm due to my XXXX XXXX  which doctors dont know what it is with me going to the XXXX XXXX 2 times in 1 month. Before the civil claim, which you will see in the attached documents that I have requested documents, they failed to comply, so I gave an opportunity to cure, they failed to comply once again with me having a tacit agreement that they could have stopped but they chose not to. Even valuing the initial applications at {$100000.00} unless they rebutted it by providing the requested documents to prove otherwise, they still failed to comply. After me issuing them a default, I went to another alternative dispute resolution going on here the CFPB to show their non-compliance with them choosing to not comply when they have full acknowledgment. Then after I made a first CFPB complaint I seen on my credit report monitor app that they have made unauthorized disputes claiming I requested them which will be in the evidence as well, because they is false, so they fabricated disputes which you will see that you can see even going to look at the finally alleged decision, there is nothing there. So, I had to make another CFPB complaint being the second. After that complaint I even went to another alternative dispute resolution, being the XXXX mediation submission, I did which they didnt acknowledge either. I have done everything to show my good faith and trying to resolve this issue which they documents I am entitled to by law, which I still yet seen and only seen them delay continue to cause more harm. This whole time has been willful, and they still till this day can not state why they closed my accounts. I even have evidence of them stating that their closing my accounts was not from something I did but from a business concern which you will see in the evidence. Then when I believe it can get worse, I see on my credit monitor app which is XXXX XXXX ( one of them ), that they made 2 hard inquiries in my name, its states that it was loans like I filled out 2 applications for loans or credit card, but because I still have not been able to get these documents that the judge Ordered them to provided on XXXX XXXXXXXX XXXX, which we will see what they try in come up this time, I have not been able to get evidence that I need to fully have a fair discovery, they are prejudicing my discovery this whole time, willfully doing so. This was longer than I have time to explain, so please see attached documents and you will see more details. I will upload a few things that should show enough of them willfully violating the law, federal/state, etc. I will also submit the affidavit I submitted with the motion to compel. I believe all regulatory bodies need to really look at this case as this is truly sad the way they have done me when I have never missed a payment nor owed them or no financial institution money. They still not providing me the documents or a statement under perjury regarding my XXXX with the safeguarding of my data protection is insane. The number of compensations for the harm they have done can not even put a price on it when it comes to the compensation part. My XXXX is priceless as everyone I believe would agree with that. I will upload the documents for you to get insight as this is nothing compared to really the depth of whats going on. I thank you for your time. Please have any regulatory bodies you can get or anything to help this situation as it is not only harming me, if they are doing this to me when I owe them no debt, I couldnt imagine what they do to others as well. The fair resolution will be in attached documents. CFPB has full consent to look at if for some reason they didnt, and anyone they think should see it as well. If Capital One says they need 60 days to deal with this issue it will be taken that they are willfully knowing they are delaying once again and causing more harm which they admit to the CFPB and FTC and all regulatory bodies that they have willfully violated all consent orders and all laws that protect consumers which needs immediate attention.

Company response to consumer: Closed with explanation