Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To protect Kohls/Capital One from jeopardy, follow the instructions to answer the following questions in writing, then have the Chief Financial Officer certify the answers under penalty of perjury. 

If you close the CFPB complaint under the reason that the issues are the same as earlier ones or if you fail to respond to all the YES/ NO questions and then certify the answers under penalty of perjury, this will be used as bonafide evidence of Kohls/Capital One fraud, deceptive and abusive practices, breach of agreement etc. and Kohls/ Capital One will be held civilly liable. 

XXXX. ) Does Kohls/Capital One have a written contract signed by both Kohls/Capital One and XXXX XXXX XXXX collect the alleged debt on the account ending in XXXX? Please respond with a Yes or No in writing. 
XXXX. ) Did Kohls/Capital One ever provide a copy of the written contract with the wet ink signatures of XXXX XXXX and Kohls/Capital One as requested? Please respond with a Yes or No in writing. 
XXXX. ) Is it true that when the Kohls credit card holder signs a purchase receipt or makes a purchase, the receipt is used as a bank asset to give value to a check or similar asset, instrument or credit to result in a new bank asset? Please respond with a Yes or No in writing. 
XXXX. ) Does Kohls/Capital One follow XXXX  ( generally accepted accounting principles )? Please respond with a Yes or No in writing. 
XXXX. ) Did Kohls/Capital One provide XXXX XXXX with the entire credit card agreement, indenture agreement, full terms, disclosures and conditions? Please respond with a Yes or No in writing. 
XXXX. ) As requested previously, did Kohls ever provide XXXX XXXX with the XXXX, XXXX ; XXXX XXXX, XXXX, XXXX for the alleged debt? Please respond with a Yes or No in writing. 
XXXX. ) Did Kohls/Capital One receive and accept several negotiable instruments ( i.e. forms XXXX ) from XXXX XXXX? Please respond with a Yes or No in writing. 
XXXX. ) Did Kohls/Capital One securitize the forms XXXX received from XXXX XXXX XXXX Please respond with a Yes or No in writing. 
XXXX. ) As requested previously, did Kohls/Capital One ever provide XXXX XXXX with verification of the claim of an alleged debt via an invoice ( NOT BILLING STATEMENTS ) signed with wet ink under penalty of perjury? Please respond with a Yes or No in writing. 
XXXX. ) As requested previously, did Kohls/Capital One ever provide XXXX XXXX with proof that Kohls/Capital One used their own assets to extend credit ( however 12 USC 83 says banks can not loan their own assets i.e. stocks )? Please respond with a Yes or No in writing. 
XXXX. ) As requested previously, did Kohls/ Capital One ever provide any documents signed by XXXX XXXX authorizing account in XXXX to be reported to any of the credit reporting agencies? Please respond with a Yes or No in writing. 
XXXX. ) Did Kohls/Capital One receive Notice ( XXXX ) to Cease and Desist & Opt Out from reporting to the credit reporting agencies as per 15 USC 6801- 6805 ; 16 CFR 313.7 ; and the Privacy Act of 1974 5 USC 552a? Please respond with a Yes or NXXXX in writing. 
XXXX. ) Did Kohls/Capital One comply with the Notice ( XXXX ) to Cease and Desist & Opt Out from reporting to the credit reporting agencies as per 15 USC 6801- 6805 ; 16 CFR 313.7 ; and the Privacy Act of 1974 5 USC 552a? Please respond with a Yes or No in writing. 
XXXX. ) Was full disclosure given as to whether the credit card holder was to provide the funding for the Kohls credit card per bookkeeping entries? Please respond with a Yes or No in writing. 
XXXX. ) Did Kohls/Capital One accept something of value from the Kohls credit card holder that is then recorded as an asset on the books of the financial institution and results in a new bank liability? Please respond with a Yes or No in writing. 
XXXX. ) According to the bookkeeping entries of Kohls/Capital One or the financial institution involved in the alleged loan, when the Kohls credit card holder purchases merchandise with the Kohls credit card, does Kohls/Capital One or the financial institution involved in the alleged loan accept a new asset from the Kohls credit card holder that funds the loan to the Kohls credit card holder in the same transaction? Please respond with a Yes or No in writing. 
XXXX. ) Did Kohls/Capital One follow the Federal Reserve Banks policies and procedures for Kohls credit card transactions? Please respond with a Yes or No in writing. 
XXXX. ) Is it true that as per the bookkeeping entries, the credit card holder funds the loan to the same credit card holder? Please respond with a Yes or No in writing. 
XXXX. ) Is it true that as per the bookkeeping entries of Kohls/Capital One, the Kohls credit card holder is the lender to Kohls/Capital One ? Please respond with a Yes or No in writing. 
XXXX. ) Is it true that as per the bookkeeping entries of Kohls/Capital One or the financial institution involved in the alleged loan, new money or credit is created when the Kohls credit holder uses the Kohls credit card to make a purchase? Please respond with a Yes or No in writing. 
XXXX. ) Is it true that according to the agreement, Kohls/Capital One received permission from the Kohls credit card holder to deny the Kohls credit card holder equal protection under the credit card agreement? Please respond with a Yes or No in writing. 
XXXX. ) Is it true that according to the agreement, the Kohls credit card holder agreed to economics comparable to stealing, counterfeiting and swindling against the credit card holder? Please respond with a Yes or No in writing. 
XXXX. ) Is it true that Kohls/Capital One violated XXXX ( generally accepted accounting principles ) thus making any alleged agreement null and void? Please respond with a Yes or No in writing. 
XXXX. ) Is it true that Kohls/Capital One converted the Kohls credit card agreement and/or Kohls credit card purchase receipts by using the agreement and/or Kohls credit card purchase receipts as value to give value to a check or similar instrument as proven by the bookkeeping entries, which then proves that the Kohls credit card holder funded the Kohls credit card purchases AND Kohls/Capital One used false statements that Kohls/Capital Ones money funded the Kohls credit card purchases ? Please respond with a Yes or No in writing. 
XXXX. ) Is it true that the credit card company violated the matching principle of XXXX because if the credit card company accepted an asset from the credit card holder, the credit card company did not credit a liability account showing the credit card company owed money to the credit card holder for the asset received from the credit card holder? Please respond with a Yes or No in writing. 
XXXX. ) Is Kohls/Capital One aware that they are in default with dishonor and estopped from collection activity/ negative reporting? Please respond with a Yes or No in writing. 
XXXX. ) Is Kohls/ Capital One aware that according to the Internal Revenue Service a form XXXX can be used to offset debt? Please respond with a Yes or No in writing. 
XXXX. ) Does Kohls/Capital One have a Notice of Dishonor from the United States Treasury in reference to the offset? Please respond with a Yes or No in writing. 


Signed under penalty of perjury -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Signature of Officer Sworn and subscribed to me this ____________ day of____________ of the year________ My commission expires :

Company response to consumer: Closed with explanation