Consumer complaint received 2025-07-19 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: NC

Complaint narrative:
Capital One Bank ( XXXX ), XXXX. has committed sustained commercial dishonor, fiduciary breach, conversion of instruments, and constructive fraud concerning XXXX commercial credit accounts lawfully administered by the XXXX XXXX XXXX XXXX XXXX a perfected XXXX XXXX  estate formed in XXXX and recorded in XXXX XXXXXXXX XXXX XXXX, operating under secured status via XXXX Financing Statement and Declaration of Trust Collateral [ Uniform Commercial Code Secured Transactions ] [ Private Trust Law Jurisdiction and Standing ] [ Constructive Trust Principles Law of Equity ]. 
This record is not submitted for discretionary review, nor does it seek remedy by request. It is a formal, lawful declaration of facts placed into the regulatory record for enforcement, publication, and permanent preservation of rights. The XXXX does not submit grievances it documents violations for which the commercial and legal consequences will be pursued without waiver. [ Lawful Remedy Exhaustion Administrative Due Process ] [ Due Process of Commercial Presentment Common Law ] This is, in fact, both a lawful complaint and a final peaceful attempt to remedy these matters of trespass against the XXXX ; it is also a formal record of facts and enforcement. The XXXX has exhausted all private remedy. Capital One stands in dishonor, default, and violation of law. [ Law Merchant Commercial Instruments ] [ Equity Jurisdiction Breach of Fiduciary Duty ] The accounts at issue ending in XXXX, XXXX, and XXXX were held in the ALL-CAPS legal fiction ( XXXX XXXX ) tied to the Trustees name. All commercial activity was for the exclusive benefit of the XXXX. The XXXX annexed the birth certificate estate as collateral under Public Law XXXX, Law of Equity, and Commercial Affidavit Process, operating solely within the framework of Private International Trust Governance [ Constructive XXXX  Doctrine Restatement ( Third ) of Trusts ] [ Public Money XXXX Federal Reserve XXXX XXXX XXXX Secured Party Status UCC Article XXXX ]. 
Beginning in late XXXX and continuing through XXXX, the Trust issued multiple lawful remittances, each properly constructed in compliance with Uniform Commercial Code, Truth in Lending Act, Fair Credit Billing Act, Federal Postal Regulations, and Common Law of Contracts [ Holder in Due Course Doctrine UCC XXXX ] [ Legal Tender Statutes XXXX XXXX XXXX XXXX [ Commercial Dispute Settlement Principles UCC XXXX XXXX. 
Each instrument was remitted with supporting affidavits, trust documentation, and certified mailing, as required under XXXX XXXX XXXX Manual XXXX [ Private Postmaster Protocol XXXX Regulations ] [ Certified Mail Process Evidentiary Delivery ] [ Commercial Mail Delivery Standards Uniform Mail Protocols ]. 
None of the Gold Clause Checks were returned. 
None were rebutted. 
None were lawfully dishonored. 
Every single instrument including the final tender XXXX issued XX/XX/XXXX was received, retained, and ignored. This constitutes silent acquiescence, acceptance by estoppel, and fiduciary breach [ Law of Agency Commercial Principal Liability ] [ Commercial Acceptance and XXXX XXXX XXXX ] [ Estoppel by Silence XXXX XXXX XXXX ] [ Accord and Satisfaction UCC XXXX XXXX. 
The XXXX has not received any formal statement from Capital One as to whether this instrument was : Cashed, deposited, converted, destroyed, or retained without authority Used to satisfy internal accounting or funding mechanisms Forwarded to any fiduciary, legal, or banking counterparties The XXXX demands full disclosure and verification of what actions were taken if any regarding the final tender instrument ( XXXX ), and whether its value was secretly applied, deposited, or dishonored without lawful notice. 
Following these remittances, Capital One proceeded to unilaterally close all three commercial accounts without lawful notice, without cause, and without legal justification. No correspondence was issued. No dispute was acknowledged. The bank deliberately withheld resolution and suppressed the lawful instruments [ Fraud by Omission Restatement of XXXX XXXX ] [ Administrative Interference Violation of XXXX XXXX ] [ Failure to Cure Violation of XXXX and XXXX XXXX ]. 
As a direct result, the XXXX has been damaged and trespassed upon. The injuries are irreparable, including but not limited to : Loss of commercial credit and revolving access Interference with Trust operations and fiduciary obligations Destruction of prior agreement and commercial expectation Exposure to reputational damage, false delinquency, and administrative obstruction Capital One has never disclosed whether : The accounts were bonded, securitized, or monetized behind the scenes [ XXXX XXXX SEC XXXX XXXX ] [ Unauthorized Negotiation UCC Article XXXX ] The Trustees estate was used in any Treasury claim, insurance claim, or collateral sale [ Unauthorized Use of Trust Assets Fiduciary Abuse Doctrine ] [ Unjust Enrichment Commercial Equity ] The closures were coordinated with outside third parties, regulatory authorities, or government securities programs [ XXXX Disclosure Violations XXXX XXXX ] [ Commercial Agency Breach Agency Law ] This is commercial coercion. This is fraud by silence. This is conversion of lawful instruments [ Trespass to Chattels Financial Instrument ] [ Conversion by Bank XXXX XXXX ] [ Breach of Trust Private Estate Governance ]. 
Let this complaint stand as a final attempt at peaceful and lawful enforcement. 
All three commercial credit accounts were opened by Capital One in the ALL-CAPS legal fiction name derived from the Trustees estate XXXX XXXX XXXX XXXX full disclosure, informed consent, or lawful fiduciary contracting. These accounts were created using the XXXX 's secured identifiers and estate data, placing liability and use upon the constructive trust entity ( the ALL-CAPS name ), while offering no lawful contracting opportunity to the actual beneficiary or Trustee. 
The accounts were used exclusively for lawful trust activity, not for personal consumer use. 
Approximate balances as of early XXXX, before remittance : Account ending in XXXX Approx. {$650.00} Account ending in XXXX Approx. {$420.00} Account ending in XXXX Approx. {$320.00} Each of these accounts was remitted in full via lawful instrument XXXX on XX/XX/XXXX, after multiple private attempts at remedy dating back to late XXXX. Capital One failed to respond, failed to disclose, and forcibly closed all three accounts under silent dishonor, triggering enforcement action. 
The Trust now asserts the following violations on the record : Commercial Dishonor [ Uniform Commercial Code XXXX : Presentment, XXXX : Dishonor, XXXX : Discharge ] Constructive Fraud [ Law of Equity Duty of Full Disclosure and Loyalty ] Conversion [ Common Law Wrongful Possession or Use of Another 's Property ] Fiduciary Breach [ Restatement of XXXX XXXXXXXX : Duty of Loyalty and Prudence ] Estoppel by Silence [ Maxims of Equity He Who Remains Silent Consents ] Denial of Remedy [ Truth in Lending Act 15 USC 1666 : Procedural Safeguards ] [ Fair Credit Billing Act 12 CFR Part 226 : Creditor Duties ] The Trusts commercial standing has been damaged. Administrative rights have been obstructed. The closure of revolving credit lines has interfered with lawful trust operations, requiring this public record of enforcement, protest, and reservation of all rights under Uniform Commercial Code, Private Equity Law, and Lawful Remedy Exhaustion [ Reservation of Rights XXXX XXXX ] [ Commercial Enforcement Administrative Record ] [ Good Faith Obligation UCC XXXX XXXX. 
All rights reserved. Without prejudice. UCC 1-308. 
Entered into the record for permanent enforcement. 
FAIR AND LAWFUL RESOLUTION DEMANDED The XXXX demands immediate reinstatement of all three commercial credit accounts, expungement of all derogatory records and misapplied delinquencies, restoration of commercial credit access, and full correction of the administrative record. 
Capital One must disclose the status and handling of the final remittance instrument ( XXXX ) and confirm whether it was retained, deposited, destroyed, or converted without lawful notice or authority. 
If the instrument was monetized, negotiated, or bonded, Capital One must name all third-party financial beneficiaries, internal departments, and regulatory actors involved. 
The XXXX demands certification in writing that no further account closures, securitization, monetization, data sharing, or unauthorized estate collateralization will be performed under XXXX of law. 
Failure to comply shall result in further enforcement, XXXX filing, and pursuit of criminal referral under [ XXXX XXXX ], [ 31 U.S.C. 5118 ], [ XXXX ], [ FCRA ], [ XXXX XXXX XXXX ], and [ XXXX ]. 
The XXXX respectfully reserves all rights and requests full disclosure and verified chain-of-custody documentation for all three accounts and the remitted instrument. In particular, the XXXX demands complete disclosure of the XXXX file and all associated internal communications, audit trails, and metadata related to the remittance, closure, and any backend processing of the XXXX accounts. 
Restitution is hereby demanded in the minimum amount of {$25000.00} for administrative interference, commercial injury, and operational loss sustained by the XXXX. Additionally, the XXXX demands reinstatement of commercial credit lines, each increased to a minimum of {$50000.00} to restore parity, standing, and rightful commercial capacity. 
This request is made in good faith to exhaust peaceful and lawful remedy prior to pursuing any further necessary action. Should Capital One wish to rebut any statement made herein, such rebuttal must be made line-by-line and under oath, in full view of the record and in light of the dishonor and fiduciary breach displayed up to the date of this writing. 
Respectfully submitted on behalf of : XXXX XXXX XXXX XXXX XXXX. 
By : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX rights reserved Without prejudice UCC XXXX

Company response to consumer: Closed with explanation