Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I have written a letter requesting validation of the loan : To : Capital One XXXX Capital One XXXX XXXX, VA XXXX Subject : Formal Debt Dispute Validation Request Under 12 USC 95a ( 2 ) & UCC Laws Dear Capital One, I am formally disputing the validity of the alleged debt associated with : Account Number : XXXX Original Creditor : Capital One Date of Alleged Agreement : XX/XX/XXXX Based on my research and my rights under federal law, I am requesting full verification of this debt, including proof that this obligation is not already considered " paid '' under 12 USC 95a ( 2 ).

Legal Basis for My Dispute A. 12 USC 95a ( 2 ) Public Policy & Debt Discharge Under 12 USC 95a ( 2 ), financial obligations are considered " discharged '' under public policy since the United States shifted from the gold standard in 1933. This statute grants the federal government control over financial transactions and declares that all obligations are settled in legal tender. Therefore, I request proof that this alleged debt was not already " paid '' under public policy.

B. UCC 3-305 Holder in Due Course Rule I am requesting validation that your company is the Holder in Due Course of this alleged debt. If this debt has been securitized, assigned, or transferred, the original lender may no longer have legal standing to enforce this obligation. Please provide a full chain of custody and proof of ownership.

C. Truth in Lending Act ( TILA ) 15 USC 1601 Federal law requires lenders to provide full disclosure of loan origination. If this loan was created using my promissory note as an asset, I request disclosure of how the funds were provided, along with documentation proving that real, pre-existing money was loaned Under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, I am requesting full validation of this debt, including : The original wet-ink promissory note with my signature ( not a copy ).

A detailed accounting ledger proving that actual money was loaned.

A full chain of title proving you have the legal right to collect this debt.

A certified affidavit of ownership confirming that you are the legal holder of this debt.

Until full validation of this debt is provided, I request that all collection efforts, including negative credit reporting, be immediately ceased. Reporting an unverified debt to credit bureaus violates the Fair Credit Reporting Act ( FCRA ) 15 USC 1681s-2.

If you fail to provide the requested documentation within 30 days, I will escalate this matter by : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General.

Seeking legal remedies for violations of TILA, FDCPA, FCRA, and UCC regulations. Pursuing potential claims for unjust enrichment and fraudulent misrepresentation.

I expect a response in writing within 30 days from the date of receipt of this letter. Failure to comply will result in legal action. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation