Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Bank, ( USA ) N.A. ( R ). 
Attn : XXXX XXXX, XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Capital One XXXX, XXXX, VA XXXXXXXX XXXX  XXXX Account Capital One Credit Bank # XXXX writing to your Corporate Resolutions Department in due and proper consideration of Legal Consumer Rights on behalf of, XXXX Al XXXX XXXX XXXX XXXX XXXX XXXX ( C ) the arbitration clause assumptively included in the debt collection practices under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15 U.S.C. 1681 ( n ) and Title 15 U.S.C. 1681a ( w ), as Provided by UCC1-308, as of 2004.

This Consumer Credit ACCOUNT is ( PAANL ) Status, as of XX/XX/XXXX, under Credit Protection Insurance, and Subject to 1099-C from IRS Guidelines , for Taxable Year XXXX, under provision of the XXXX Relief Act, Debts Forgiveness. 

As You are aware, the FDCPA provides all Consumer Disclosure Reports with legally binding guaranteed protections against abusive debt collection practices in Pursuance to Title 12 CFR 1002, et al.

However, the unimpeded inclusion of mandatory arbitration clauses in Debt Collections agreements can arbitrarily undermine these protections by limiting consumers ' access to the courts and imposing finance charges ; ( penalties ) or additional costs and barriers to resolving disputes, Disclosures to Third party Credit Reporting Agencies and Undisclosed other companies for Profit, including but not limited to XXXX XXXX, and Other CRA 's affiliated unidentified companies for Profit. 

In Accordance with Title 15 U.S.C. 1681 ( n ), Specifically, Title 15 U.S.C. 1681 ( EB ) and Subsections 1581 ( I5 ) ( A ) the adversely affected Consumer seeks to enforce their rights under the FDCPA and Requests that Your Specific Legal Respondent 's and Each of your Affiliated Entities immediately Cease and Desist any further unauthorized unverified Reporting Collection activities that violate the Act, including provisions of Title 42 U.S.C. Subsection 408 and Other Infractions of Title 15 U.S.C 1635 Rescission Regulatory Compliance. 

We hereby Legally Demand a Chain of Assignment, Copies of the Signed Debt Contract, and the Aforementioned Flow Agreement, as Required under Title 15 U.S.C 1692c ( c ), which Demands Cease and Desist, of Inaccurate Debts Reporting under Fictitious Names, in violation of Title 17 U.S.C. Sec.501 & 512, et al.

Additionally, under Title 15 U.S.C. 1681a ( w ), the aforementioned FDCPA Demands that any arbitration clauses included in the assumed " Debt Contract '' collection agreement be Declared Void and Unenforceable, Ambiguous and Misleading. 

Please be advised that any implied willful, negligence or failure to comply with these exhibited Demands may result in further legal action, including seeking treble and compensatory damages, attorney 's fees, and any other relief deemed appropriate by any U.S. Court of competent jurisdiction as clearly Authorized under Title 28 U.S.C. 1691, including the FRN Remedy Rights Reserved, under Title 12 U.S.C. 411, 1431, al.

We request a written response within Five ( 05 ) Business days of receipt of this Certified U.S.P.S Prepaid Mail Legal Demand Letter, confirming your Companies voluntary compliance with the above stated Legal Demand Requests. 

Should there be any additional questions or Require further information, please contact Us, via the aforementioned stipulations and mailing address provided.

Company response to consumer: Closed with explanation