Consumer complaint received 2024-11-14 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: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ] XXXX ( XXXX ) XXXX XX/XX/year> CAPITAL ONE Financial Corp XXXX Capital XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Notice, Cease All Reporting to Credit Reporting Agencies due to the unlawful closing of my account after I called on XX/XX/year> to check on the status of the payment I sent via U.S. Certified Mail a Restrictive Words/Endorsement payment to the address listed for Restrictive Words/Endorsement payments on my original contract agreement in the payments section. 

Account Number Ending in : XXXX Dear Sir/Madam agent on behalf of CAPITAL ONE. , et., al., This letter serves as a formal Cease and Desist Notice regarding any unlawful reporting of information to the credit reporting agencies ( XXXX, XXXX, XXXX, and all other Credit Reporting Agencies ) concerning my account ending in XXXX. Your actions by closing my account after I mailed my restrictive words/endorsement payment is a direct violation of the terms and conditions and a breach of contract. Furthermore, I have not received back my form of payment which is defined as Securities Fraud by the SEC, FTC, and CFPB. CAPITAL ONE is in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Congressional Law, the Privacy Act, Federal Law, and IRS regulations. 

Conditional Acceptance under Rule 1002 : I hereby invoke Rule 1002 to conditionally accept your claims upon your immediate provision of the following original documents under penalty of perjury under the United States ( no copies or reprints will suffice ) : The original wet-ink signature application/promissory note pertaining to my account : 1. ) All insurance claims, write-offs, and IRS Form 1099 A, 1099 OID, and 1099 C that relate to any debt discharge or charge-offs regarding this account. 
Detailed charge-off information, including the date and amount of any charge-off, and any sale or transfer of the debt. 
2. ) Full disclosure and full accounting/bookkeeping of all transactions, payments, credits, debits, audit reports, and charges made on the account.

3. ) The complete chain of title, including any transfers or assignments of the promissory note or related documents. 
4. ) All periodic statements and late payment history, as mandated by 15 USC 1666 ( b ), along with documentation that I received these statements within the required 21-day period before the due date as per 15 USC 1637 ( b ). 

Failure to provide these original documents within the timeframe mandated by law of 10 days will result in the presumption that the reported information is fraudulent and inaccurate. Any failure to comply will further confirm that your actions are both unlawful and willful. I am also addressing a serious violation of the original contract governing our agreement. Specifically, the unauthorized sharing of my private information with an unaffiliated third party constitutes a breach of contract under 15 USC 1692 ( g ), which outlines protections for consumers in debt collection and prohibits unauthorized disclosure of personal information. This action is a violation of my rights under the law, as no consent was provided for the sharing of my personal details with any third party not directly involved in this consumer transaction. I request immediate cessation of such activity and demand confirmation that my information will not be further shared in violation of the original contract and federal law. 

Cease and Desist Demand : You are hereby demanded to immediately cease and desist from any further reporting of any information to all and any of the credit reporting agencies, non-assumpsit. This includes but is not limited to, false reporting of late payments, charge-offs, or any other adverse account statuses that are damaging my credit profile. Should you fail to comply, I will pursue all available legal remedies, including filing complaints with the Department of Treasury Inspector General, Social Security Administration Inspector General, and the FBI concerning Concealment of Securities, Copyright Infringement, Identity Theft, Defamation of Character, and Securities Fraud and seeking Civil penalties under 15 USC 1681 ( n ) and other applicable statutes. 

Legal Compliance : Please be advised that under the FCRA, FDCPA, and Congressional Law, you are legally required to ensure the accuracy of all information you report to credit agencies. Furthermore, under the Privacy Act and Federal Law, you must protect my personal information from fraudulent use or misrepresentation. Additionally, under IRS regulations, any fraudulent misreporting, especially regarding charge-offs or debt discharge, may subject you to Criminal and Civil penalties. Notice, that I will not hesitate to file a copy of this Cease and Desist Notice in a Court Claim against CAPITAL ONE., if and when necessary. Should you fail to comply with this Cease and Desist, I will take further legal action, including but not limited to, arbitration, filing complaints with the Consumer Financial Protection Bureau ( CFPB ), ( FDIC ), ( SEC ), ( FTC ), ( XXXX  ), or pursuing litigation in small claims court. Thank you for your prompt attention to this matter. I look forward to your immediate response with the requested original/organic wet-ink documents and confirmation of the cessation of all reporting activities. 
Sincerely, By : XXXX : XXXX XXXX XXXX XXXX XXXX Authorized Representative For : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( b ) ( XXXX ). ALL RIGHTS RESERVED. COPYRIGHT NOTICE

Company response to consumer: Closed with explanation