Consumer complaint received 2024-08-20 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: PA

Complaint narrative:
When I requested my XXXX XXXX, XXXX and XXXX report, I was made aware that CAPITAL ONE charged-off Both my Visa Card Account ending in XXXX, and Master Card Account number ending XXXX. According to the IRS publication 4681, Charged Off accounts and anything with a XXXX party debt collector is considered Certificate of Indebtedness. Also Charge-offs/ Certificate of Indebtedness is also considered income, and income can not be reported to my credit report. Also because the accounts were charged-off, I know a 1099 was filed on the both listed accounts. 

As far as the inquiries on my credit report, CAPITAL ONE is considered financial institutions operating under a corporation and by definition under title 15 U.S. Code 1681b - Permissible purposes of consumer reports, they need my consent to furnish anything to my consumer report, therefore in reference to them reporting anything to my credit report as well as the inquiries by them on my consumer report, it is a violation to report any of my information. I absolutely did not give CAPITAL ONE consent to furnish any information to XXXX XXXX, XXXX, XXXX and/or any other XXXX party institutions. 



Not only have CAPITAL ONE closed my accounts without my consent, CAPITAL ONE are performing against their own Indentured Trust operating agreements. I have proof my private information has been sold to 3rd parties. I am very aware of my Consumer Rights, and according The Securities Exchange Act of 1934 and The Trust Indentured Act of 1939, CAPITAL ONE are in Violation according to their own prospectus as well as their XXXX and XXXX forms on SEC websites. I indeed am protected by my lawful rights, and land of the law. I am also aware that CAPITAL ONE is a Corporation who took my personal information then turned it into a security and sold it over to the primary and secondary markets and in the process extended back to me, my own credit when it should have been an unlimited charge card extended to me, because I am the one who furnished them a security by providing my information. I am claiming my XXXX Purchaser rights, being as though CAPITAL ONE is merely Credit Furnisher, and a Corporation, which can not speak. Having knowledge from CAPITAL ONEs prospectus reports, I have come to terms, I simply invested into their company. CAPITAL ONE 's corporation has been disregarding the Trust Indentured Act of XXXX as well as The Securities Exchange Act of 1934.

CAPITAL ONE has caused me extreme physical, mental, and emotional distress, putting a financial strain on my life. I frequently use my cards to pay for my bare necessities for myself and my family. After speaking verbally to different agents of CAPITAL ONE on several different occasions, CAPITAL ONE were unwilling to provide any equitable relief, especially knowing there is remedy for debt to be discharged, nor were they making any attempts to provide any alternate remedy, to discharge. CAPITAL ONE has been harassing, bullying and threatening me through solicitation mail, emails, phone calls, texts etc. at all hours of the daytime and evening hours. CAPITAL ONE has not only caused me unnecessary health issues, my privacy as well has been invaded and credit score depleted, from what it once use to be. According to the Privacy Act of 1974, my information was improperly misused, reported, mishandled, and sold to other 3rd parties, as well as put on the primary and secondary markets, by CAPITAL ONE, and for that reason I am well within my right to lawfully suXXXX.

Company response to consumer: Closed with explanation