Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE CODE NOIR, TOOLS OF ENSLAVEMENT VIA BANK DEREGULATION CRIMES https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chief Executive Officer , Capital One XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX Date : XXXX XXXX XXXX RE : FORMAL DEMAND FOR STOPPING THE HARASSMENT, FOR A FEDERAL INVESTIGATION AND FULL RESTITUTION CAPITAL ONE LEGAL PERVERSIONS, ABUSE OF PROCESS, VIOLATIONS OF EFTA, FDCPA, FCRA, 18 U.S.C . 1343, 1512, 22 U.S.C. 7102, AND CIVIL RESCISSION RIGHTS, REPLICATED DEMAND FOR ATTACHED FRAUD DEBT VALIDATION, DEMAND FOR ACCOUNT CLOSURE DUE TO REPEATED CAPITAL ONE VIOLATIONS AND OBSTRUCTIONS OF CONSUMER PROTECTION LAWS Dear XXXX XXXX : This letter serves as another formal affidavit and demand for immediate corrective action and accountability regarding Capital Ones ongoing unlawful conduct involving fraud, abuse of process, obstruction of justice, and financial persecution in the credit card account which I do not have a card, yet the unknown and unactivated card was repeatedly criminally billed, as part of Capital Ones criminal tools of enslavement enforcement. 
Over the past several months, Capital One has engaged in what amounts to deliberate, retaliatory, and unauthorized financial crime inflictions in violation of the following federal statutes : Electronic Fund Transfer Act ( 15 U.S.C. 1693g & 1693f ) : Capital One has repeatedly failed to honor EFTA dispute procedures, specifically the 10-day window to investigate and provide provisional credit for reported unauthorized or erroneous transactions.

Wire Fraud ( 18 U.S.C. 1343 ) : Your systems reflect fabricated, non-validated balances ( e.g., {$2300.00} ), theft of earned credit, and manipulated credit access marked N/A despite an account in dispute.

Obstruction of Justice ( 18 U.S.C. 1512 ) : Your fraud agents have repeatedly refused to comply with written rescission notices, refused to close the account in compliance with federal consumer rights, and refused to offset balances linked to fraud and identity theft. 


Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : I have issued lawful demands for debt validation which have gone unacknowledged.

XXXX XXXX  Protections Act ( 22 U.S.C. 7102 ( 1 ) & ( 3 ) ) : The tactics used by Capital One constitute financial coercion, debt entrapment, and retaliation patterns recognized as economic control within the scope of financial servitude. 


The above noted Capital One tools of enslavement bank deregulation practices are unwarranted, discriminatory, criminal, malicious and must be destroyed immediately. Additionally, Capital One has refused multiple formal demands for full account validation and closure. The actions taken have contributed to economic oppression and financial harm, in what now reflects systemic banking abuse and regulatory failure. 
Attached to this complaint are screenshots of fraudulent balances and statements, submitted as Exhibits AC, in support of this affidavit and demand.

I hereby demand : Immediate closure and legal rescission of the Capital One account.

Full reversal and restitution of unlawful charges and fabricated balances.

Written explanation as to why EFTA and FDCPA standards have been disregarded.

A formal response acknowledging receipt of this demand within 10 business days.

Complete Validation for each and every Capital One billings. 


Failure to comply will result in referrals to additional federal authorities for reprimand, including the Department of Justice, as a means of exhausting administrative remedies. 
The core violations at issue are legal perversions and abuse of process, which Capital One is using as primary tools to dismantle and destroy a good-standing account maintained for over five years. These unlawful acts are not mere administrative errors ; they represent a deliberate weaponization of deregulated banking systems to entrap consumers in fraudulent balances, obstruct lawful dispute processes, and deny access to basic financial functions. 
This abuse constitutes a form of modern financial enslavement, aimed at creating exclusionary citizenshipwhere individuals with bank-engineered credit destruction are systematically marginalized, denied credit and equal protection of the law. transportation, and employment opportunities, and forced into a state of second-class economic status. Such conduct is a violation of both statutory and constitutional protections, and it must be federally investigated and remedied without delay by relevant oversight bodies. 

Finally, I affirm under God and the laws of the United States of America, that the facts herein are true and correct and based on my personal experiences of being financially assaulted by Capital One bank in a most prejudicial and scripted manner. 
Sincerely, XXXX XXXX XXXX : Exhibit A : Screenshot of fraudulent balance Exhibit B : Statement with charge disputes Exhibit C : Previous dispute communication

Company response to consumer: Closed with explanation