Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Formal Complaint Against Capital One for Fraudulent Practices, Security Violations, and Violations of Federal Law I write to formally lodge a complaint against Capital One regarding egregious violations of federal law, fraudulent practices, and their intentional infliction of harm to my credit, identity, and financial reputation. The following outlines the significant misconduct perpetrated by Capital One and the legal grounds supporting my claims. 

Statement of Facts On several occasions, I contacted Capital One regarding fraudulent activity associated with my identity and Social Security number. Capital One issued me a credit card with a limit of {$1500.00} but subsequently restricted my access to this credit, citing an alleged error. This conduct constitutes security fraud under 18 U.S.C. 1028A, as Capital One used my Social Security number without lawful authority and subsequently blocked the account without justification. 

Despite repeated efforts to seek clarification and resolution, Capital One failed to provide assistance or remedy, leaving me vulnerable to identity theft. My Social Security number is now being traded on the XXXXXXXX XXXX, directly attributable to XXXX Ones negligence. This constitutes theft, as defined under federal law, and further demonstrates their lack of regard for consumer protection laws. 

Violations of Federal Law Capital Ones conduct demonstrates repeated and willful violations of several federal statutes, including but not limited to : XXXX. Truth in Lending Act ( TILA ), 15 U.S.C. 1602 : Capital One has violated my rights as a consumer by denying credit under unauthorized and predatory practices. TILA explicitly protects consumers from unfair credit billing and ensures the informed use of credit, which was wholly disregarded in this case. 
XXXX. Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) : Capital Ones conduct deprived me of equal access to credit by using my Social Security number improperly and denying me the ability to utilize the credit they issued. 
XXXX. Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Capital One violated provisions of the FCRA by failing to notify me of the use of my information for credit reporting purposes. They also lacked my written consent as required under 15 U.S.C. 1681b, demonstrating a clear breach of lawful procedure. 
XXXX. Mail Fraud ( 18 U.S.C. 1341 ) : Capital One used fraudulent means in correspondence with me, intentionally misrepresenting their actions and omitting material facts, amounting to mail fraud. 
XXXX. Identity Fraud ( 18 U.S.C. 1028A ) : Capital One knowingly used and mishandled my Social Security number without authorization, subjecting me to irreparable harm. 

Harm and Damages Capital Ones actions have caused severe and irreparable harm to my credit, financial reputation, and emotional well-being. Their predatory practices, negligent handling of my personal information, and refusal to resolve these issues have resulted in the following : Deprivation of access to credit I am lawfully entitled to. 
Damage to my credit report, which is now filled with inaccurate and unverifiable information. 
Emotional distress caused by their failure to address my legitimate concerns. 

Given the severity of Capital Ones violations, I demand the following immediate actions : XXXX. Correction and Removal of All Inaccurate Information : Capital One must remove all erroneous and harmful information from my credit reports across all reporting agencies. 
XXXX. Cease and Desist Unauthorized Use of Personal Information : Capital One must immediately cease using or sharing my Social Security number or any other personal identifying information without proper authorization. 
XXXX. Full Redress of Damages : Capital One must compensate me for the financial, emotional, and reputational damages caused by their fraudulent and negligent practices. 

In addition to the violations outlined above, I invoke the following legal precedents and statutes : Title 12 U.S.C. 95a ( XXXX ) : Protecting my right to settlement and discharge of obligations. 
TILA and its implementing Regulation Z : Ensuring my right to informed and fair access to credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Upholding my right to full faith and credit. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Affirming protections against fraudulent acts by financial institutions. 

Capital Ones actions represent a flagrant disregard for federal law and consumer rights. Their conduct is not only unlawful but also unconscionable. I demand that the Consumer Financial Protection Bureau ( CFPB ) take immediate and decisive action to hold Capital One accountable for these violations and ensure restitution for the harm caused. 
In addition, consumers have the Right to Financial Privacy Act ( RFPA ) ( 12 U.S.C. Chapter 35 ), ( 15 U.S.C. SEC 6801 ( a ) ).

Company response to consumer: Closed with non-monetary relief