Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Complaint Regarding Unlawful Reinstatement of Deleted Account and Payment Refusal by XXXX and Capital One Bank. 

Dear Consumer, Financial Protection Bureau Representative, I am formally filing a complaint regarding Experians wrongful reinstatement of a previously deleted account onto my consumer credit report. After my request to delete this account under FCRA 605B ( 15 U.S.C. 1681c-2 ), XXXX removed the account. However, due to a joint account with Capital One Bank, the deleted account was flagged and reinstated, allowing Capital One to report XXXX late payments without my consent. No prior notification was provided regarding this change. 

Legal Definitions : Money : A medium of exchange authorized or adopted by a government as part of its currency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment : The fulfillment of a promise, made in money or other valuable consideration. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Instrument : A legal document, such as a contract or negotiable paper, presented as evidence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Summary of Issue : I submitted a valid payment to Capital One Bank, using an instrument which was improperly rejected. Payments must be made in U.S. dollars and from a recognized depository institution in the United States. Capital Ones rejection of my payment is in violation of UCC 9-307, and I assert that under House Joint Resolution XXXX of XXXX my debt obligation is to be discharged, not necessarily paid in gold or traditional currency. 

Request for Documentation : To resolve this issue, I demand that Capital One Bank provide : A copy of the original agreement with my wet-ink signature outlining my obligations. 
Documents showing the original payment records. 
A detailed explanation if my payment was rejected, as per UCC 3-603 ( b ).

Terms of Tender : 1. Capital One Bank must provide a detailed explanation if the payment was deemed insufficient or erroneous, along with the original unaltered documents. 
XXXX. If original security documents are not returned, it will be presumed the instrument has been monetized. 
XXXX. If payment is rejected without a written explanation, I expect the debt to be discharged via the filing of a XXXX. 

Conclusion : Due to clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand : XXXX. The immediate removal of all inaccurate information from my credit report. 
XXXX. Payment of statutory damages for violations. 
XXXX. A written response with all supporting documentation. 
Failure to comply within 10 days will lead to : A federal court complaint for willful violations. 
Regulatory complaints to the CFPB, FTC, and the state attorney generals office. 
Reporting to the IRS for potential tax fraud. 
Seeking full damages. 
This is a final demand for compliance. 

Sincerely, XXXX XXXX XXXX. 
Without prejudice

Company response to consumer: Closed with explanation