Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX I signed documents at the XXXX and XXXX dealership north ( XXXX XXXX XXXX XXXX XXXX XXXX after finding out that the dealership paperwork was engaged in Fraud and the contract is void. Since the transaction I have sent a Revocation of XXXX of Attorney as well as rescission. The dealership concealed various terms and information to get through the sale which is to no benefit of the consumer. The dealership violated and other federal and XX/XX/XXXX Regarding my non-public information and debt cancellation agreement disclosures, The following apply but are not limited to : XXXX XXXX Code - XX/XX/XXXX XXXX Contract Conditioned on Subsequent Assignment Prohibited XXXX XXXX : Finance Charge definition 15 USC 1605 ( a ) ( XXXX ) XXXX Sec. 342.051. XXXX XXXX. 
XXXX XXXX XXXX XXXX of XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX. Relationship with XXXX XXXX XXXX XXXX failure to disclose information like past accidents XXXX XX/XX/XXXX and damage to the vehicle, inflating the total price above the sticker price for accessories not asked for by consumer and forged electronic signatures. 
UCCC 3.301 ( 1 ) The financing of an automobile by a bank was not a consumer loan transaction where the bank was only the assignee of the automobile sales contract and therefore acted illegally in taking security in addition to the purchased automobile. 
Truth in Lending Act ( 15 U.S.C. ch. 41 1601-1666j ) 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
Debt Cancellation Agreement ( GAP ) Violates XX/XX/XXXXXXXX Following Regulations named XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Review of Debt Cancellation Agreements Requiring Insurance : XXXX. Calculating the amount canceleduse of an established guide XXXX Credit approval XXXX. Loan terminology XXXX. Exclusions resulting in amounts subtracted twice XXXX. Statements that buyer is eligible for or XXXX be entitled to a refund XXXX. Required notice upon termination XXXX. Reason for cancellation & supporting documentation XXXX XXXX Code XXXX - Trusts, etc., in restraint of trade illegal ; penalty XXXX XXXX DEFENSES AND CLAIMS IN RECOUPMENT I have sent documents to the XX/XX/XXXXXXXX dealership XXXX ( XXXX XXXX, XXXX ) as well as Capital One Auto Finance XXXX XXXX this XXXX to no avail. The companies have profited from this credit transaction and I have not this is direct violation of the Truth and Lending Act and other consumer laws and rights as well as other State and Federal Laws. These transactions should be removed from my credit profile immediately as it is Identity Theft and violates 15 U.S. Code 1 - Trusts, etc., in restraint of trade illegal ; penalty CERTIFIED XXXX XXXX NUMBERS DELIVERED NOTICE OF RESCISSION XXXX AND XXXX XXXX DELIVERED XX/XX/year> CAPITAL ONE AUTO FINANCE delivered XX/XX/year> RECEIPT # XXXX UFN XXXX Revocation of Power of Attorney XXXX and XXXX XXXX DELIVERED XXXX XXXX capital one financial corporation XXXX DELIVERED XXXX XXXX INTENT TO SUE CAPITAL ONE XXXX DELIVERED XX/XX/year> ATTEMPTS TO SETTLE DEBT SEVERAL TIMES WITH CAPTIAL XXXX XXXX DELIVERY XX/XX/year> XXXX DELIVERY XX/XX/year> XXXX DELIVERY XXXX Demand for Arbitration XXXX and XXXX XXXX delivered XX/XX/year> capital one XXXX delivered still in mail room automobile XXXX XXXX XXXX still in mail room capital one auto finance XXXX XX/XX/year> 2024

Company response to consumer: Closed with explanation