Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
RE : FORMAL NOTICE OF VIOLATION, DEMAND FOR FULL ACCOUNTING, CREDIT APPLICATION, & NOTICE OF CLAIM ACCOUNT # XXXX Vehicle : XXXX XXXX XXXX XXXX : XXXX This serves as a formal Notice of Violation, a demand for full accounting and documentation, and an official Notice of Claim of Interest in the above-referenced property and associated financial instrument. 

VIOLATIONS OF FEDERAL LAW Despite repeated requests, you have failed to provide : A copy of my signed and approved credit application. 
I also invoke my rights to receive : A complete and accurate accounting of this financial transaction, Proper disclosures regarding ownership, transfer, or securitization of the loan, if CAPITAL ONE AUTO FINANCE refuse to provide this information, This violates multiple federal statutes and standards, including : The Equal Credit Opportunity Act ( ECOA ) and Regulation B The Truth in Lending Act ( TILA ) and Regulation Z The Securities Act of 1933 and the Securities Exchange Act of 1934 The Financial Accounting Standards Board ( FASB ) guidelines Generally Accepted Accounting Principles ( GAAP ) and the SEC accounting and reporting regulations for public financial institutions. 

INVESTOR STANDING & UNREPORTED ACCOUNTING As the original party to the loan and the primary investor, I have a legal right to the full accounting and disposition of this instrument. I further assert that : The financial transaction associated with this auto loan is not being reported on your public financial ledger, balance sheet, or other required accounting disclosures. 

This suggests that the account has been moved off-ledger, sold, securitized, or placed in a trust without notice or consent, in violation of accounting rules and public financial transparency standards. 

As a consumer and equitable interest holder, I am entitled to a complete accounting under GAAP, FASB rules, and SEC standards. Failure to disclose material accounting and ownership information constitutes a breach of fiduciary duty and may be construed as investor fraud.

NOTICE OF CLAIM OF INTEREST You are hereby placed on formal notice that I am asserting a Claim of Interest in the Property and in any financial instrument, trust, account, or security derived from, related to, or backed by my original loan contract and vehicle. This includes any and all proceeds, derivatives, re-sales, or collateral pledges tied to my signature or asset. 

FINAL DEMAND & NOTICE OF ACTION If I do not receive the following within 10 business days of your receipt of this letter : A full and accurate copy of the signed credit application A complete accounting of the loan from origination to present Written disclosure of any assignment, securitization, trust, or collateralization A copy of my Notice of Claim of Interest in the Property, if any I will take the following actions : File a complaint with the U.S. Securities and Exchange Commission ( SEC ) regarding unregistered securities, off-ledger accounting, and investor fraud and also Pursue legal remedies to : Void the loan contract, Demand immediate release of the vehicle title free and clear, Recover damages, statutory penalties, payment already made and attorneys fees Capital One Auto Finance is hereby placed on notice. I reserve all legal rights and remedies under applicable federal and state law.

Company response to consumer: Closed with explanation