Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
CAPITAL ONE SENT ME A BOGUS EXCUSE LETTER THAT DOESN'T EVEN APPLY TO ME. YOU WILL FIND A COPY BELOW. CAPITAL ONE IS STILL ADDING INTEREST TO A CLOSED ACCOUNT : XXXX. ANY INTERSET ACCRUING ACTION SHOWN ON THE CLOSED ACCOUNT MAKES THE ACCOUNT ACTIVE. ACCRUING INTEREST ON A CLOSED ACCOUNT IS ILLEGAL. THIS NEEDS TO BE INVESTIGATED IMMEDIATELY. 


15 USC 1681 ( s ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

( XXXX ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

42 USC Ch. 126 : EQUAL OPPORTUNITY FOR INDIVIDUALS WITH DISABILITIES From Title 42THE PUBLIC HEALTH AND WELFARE Title 18, U.S.C., Section 245 - Federally Protected Activities XXXX ) This statute prohibits willful injury, intimidation, or interference, or attempt to do so, by force or threat of force of any person or class of persons because of their activity as : A voter, or person qualifying to vote ... ; a participant in any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; an applicant for federal employment or an employee by the federal government ; a juror or prospective juror in federal court ; and a participant in any program or activity receiving Federal financial assistance. 
XXXX ) Prohibits willful injury, intimidation, or interference or attempt to do so, by force or threat of force of any person because of race, color, religion, or national origin and because of his/her activity as : A student or applicant for admission to any public school or public college ; a participant in any benefit, service, privilege, program, facility, or activity provided or administered by a state or local government ; an applicant for private or state employment, private or state employee ; a member or applicant for membership in any labor organization or hiring hall ; or an applicant for employment through any employment agency, labor organization or hiring hall ; a juror or prospective juror in state court ; a traveler or user of any facility of interstate commerce or common carrier ; or a patron of any public accommodation, including hotels, motels, restaurants, lunchrooms, bars, gas stations, theaters... or any other establishment which serves the public and which is principally engaged in selling food or beverages for consumption on the premises. 
XXXX ) Prohibits interference by force or threat of force against any person because he/she is or has been, or in order to intimidate such person or any other person or class of persons from participating or affording others the opportunity or protection to so participate, or lawfully aiding or encouraging other persons to participate in any of the benefits or activities listed in items ( 1 ) and ( 2 ), above without discrimination as to race, color, religion, or national origin.

Punishment varies from a fine or imprisonment of up to XXXX year, or both, and if bodily injury results or if such acts include the use, attempted use, or threatened use of a dangerous weapon, explosives, or fire shall be fined or imprisoned up to XXXX years or both, and if death results or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to kill, shall be subject to imprisonment for any term of years or for life or may be sentenced to death.

I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have not followed any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX XXXX XXXX CAPITAL ONE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation