Date Received: 2023-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX Authorized Representative/Attorney-In-Fact for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX debt validation via certified mail on XXXX XXXX XXXX XXXX : Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX In this letter, I gave 30 days notice for Capital One to respond and provide me with the information that I requested. Additionally, I requested that Capital One cease all debt collection efforts until they were able to provide me with the information I requested in writing. I requested that Capital One cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). I am in receipt that Capital One received my written notice on XX/XX/XXXX ( see attached hereto ). On XXXX XXXX XXXX Capital One ignored my request, and Capital One sent an email regarding an alleged account that said Attention required. ( see attached hereto ). Further, Capital One then proceeded to close this alleged account without any notification to me and without my consent. ( see attached hereto ). FURTHERMORE, CAPITAL ONE THEN SENT AN EMAIL STATING THAT MY EMAIL ADDRESS HAD BEEN UPDATED on XXXX XXXX XXXX This is inaccurate information, as this was not an action taken by me or anyone representing me. MOREOVER, Capital One sent another email on XXXX XXXX XXXX that said Please read this regarding your ( alleged ) credit card ( see attached hereto ). Capital One has failed to provide me with the validated debt they claim I owe them. Capital One has made it clear that they are ignoring my request and they will continue with debt collection efforts for this alleged account. Therefore, I submitted a complaint to the CFPB on XXXX XXXX XXXX in hopes of a resolution ( see attached hereto ). I am now submitting another complaint due to the reporting of these illegal inaccuracies on my credit report. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THAT XXXX XXXX et. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed allegeddebtmust be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the Capital One et.al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put Capital One et.al. on notice, due to XXXX XXXX et.al. demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by Capital One et.al.1. Capital One et.al. is hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. 2. Capital One et.al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. 3. Capital One et.al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX et al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, Capital One et.al. is to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( s ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXXXXXX XXXX wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay Capital One et.al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that shows what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the GAO ( General Accounting Office ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about Capital One et.al. authority to collect the alleged debt : Capital One et.al.is licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If Capital One et.al. is contacting XXXX XXXX from of the state, provide the licensing information from Capital One et.al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR XXXX VERIFICATION IS UNACCEPTABLE. Due to unacceptable response from Capital One et.al. XXXX XXXX gives notice that : Capital One et.al. engaged in, and continues to engage in : negligence and harassment against XXXX XXXX by unlawfully and illegally continuing to report this alleged account and continuing to send statements and emails regarding an alleged account, as well as continuing to report these inaccuracies to the credit bureaus. These collection tactics are causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, Capital One et.al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, Capital One et.al.are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn To Before God [ Titus 1:2 ] this XXXX XXXX XXXX XXXX XXXX Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent :
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: This morning at XXXX XXXX I got an alert from XXXX that a capital one Quicksilver card was opened in my name. I didn't open this account and I also got an email from capital to my email about the card. Also had a second alert from XXXX XXXX XXXX about a hard inquiry for a card with them. I'm not sure if that one went through or was blocked as I had locked my credit with XXXX. I have also now locked it with XXXX and made a credit dispute with them.
Company Response:
State: AR
Zip: 72758
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: In XXXX of 2023, after reviewing my credit report due to identity theft with a fraudulent XXXX XXXX XXXX account, I discovered a Capital One credit card under my name with an outstanding balance of over {$3000.00}. I called Capital One to request information about the account and they gave me no information. I started a fraud investigation with capital one and they closed the account. I also added a fraud alert to my credit report and filed a police report. Capital one denied the fraudulent account investigation and reported my bill as past due. They would not give me any information as to why they denied the investigation. I disputed the results, and later received a form letter stating they denied the account was fraudulent again. Capital One then sent me a bill for a past due balance but has not previously sent me any other bills or statements. I will not pay a bill if I do not know what the charges are for and they refuse to send me a statement. I called and they would give me no more information. I started a dispute via XXXX. This account is fraudulent, I did not apply for or authorize the account.
Company Response:
State: WA
Zip: 99203
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Capital one has been holding my money hostage since XXXX XXXX XXXX I sold a car over the XXXX and had {$6000.00} deposited via XXXX. Almost immediately they froze my account for review. I called and explained the situation. I explained said person gave me {$4000.00} in cash and sent the remainder electronically. I even offered to provide the transfer of title and show them the conversations between I and this person. Since then Ive learned that this person is trying to scam me and reported the transaction as not authorized after they sent me the money. Once again, I explained this situation to Capital One and offered to show receipts of messages back and forth between this person. It has been over two months and the only responses I have received from Capital One is generic emails saying my account is under review. I received an email even stating my accounts were closed however they would transfer any remaining balance to linked accounts. That still has not happened. I am still able to login and see the balance in the account but it says it is unavailable for withdraw. How can they just hold on to my livelihood like that for months? I need this resolved immediately and they wont even consider the fact that someone is actually trying to scam me even after providing proof of this.
Company Response:
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Subject : Urgent : Assistance Needed Regarding Frozen Bank Funds To Whom it may concern, I hope this email finds you well. My name is XXXX XXXX, and I am writing to seek your professional assistance regarding a pressing matter related to my bank account. Approximately 3 years, my bank, Capital One, froze a substantial sum of {$39000.00} in my account. Despite my best efforts to resolve this issue directly with the bank, I have encountered significant challenges and obstacles in regaining access to my funds. These funds were from my SBA loan which I Applied I got approved for {$52000.00} some change I got the funds to my private account I used some of the funds out of $ XXXX my whole three accounts were last on amount of {$39000.00} when the bank freeze my accounts then send me letters stating that the accounts were closed on customer request which I never did that they were not giving me the right answers they were like they had send money back to SBA upon asking SBA they said they never got money from the bank. I am reaching out to your esteemed law office because of your reputation and expertise in handling complex financial and banking matters. I believe that legal intervention may be necessary to help me navigate the intricacies of this situation and work towards a resolution. I kindly request your immediate attention and guidance in this matter. I am prepared to provide all relevant documentation, account statements, and any other necessary information to assist you in understanding the details of the freeze. I understand the importance of prompt action in such cases, and I would appreciate the opportunity to discuss this matter further and explore the options available to me. Please let me know a convenient time for a consultation, whether in person or via phone or video conference. I look forward to the possibility of working with you to resolve this issue and regain access to my frozen funds. Your expertise and support would be invaluable in helping me navigate this challenging situation. Thank you for your attention to this matter, and I eagerly await your response. Sincerely,
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was notified via my bank ( XXXX ) that Capitol One executed a credit inquiry on my behalf. I have never applied for a credit card through Capitol One.
Company Response:
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : CAPITAL ONE XXXX XX/XX/2021 {$870.00}
Company Response:
State: MI
Zip: 49508
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XX/XX/2023 {$1700.00} was inappropriately and unauthorized XXXX to a contractor ( with him using my phone ) without my approval. I've requested the contractor to refund me the money, in which he agreed to do so, however to date I haven't received the payment back. I contacted my bank, Capital One, in early XXXX about this unauthorized payment and I keep receiving the response of issue being under investigation.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received several capital one credit card promotional offers over email and mail ( one email every week and one mail every month probably ) indicating I was pre-approved for a capital one credit card with a {$300.00} promotional cash back bonus and 0 % introductory APR for 15 months. But when I signed up for a credit card, Capital one pulled my credit twice and they issued me a credit card without the sign on bonus and introductory APR. They told me that they had two Capital One - Quick Silver cards on their website. One with the promotion and another without the promotion and they were only able to approve me for the one without the promotion. I believe they intentionally are misleading and confusing so that they do not provide any promotion
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: someone keeps trying to open creditcards in my name for capital one and XXXX XXXX
Company Response:
State: CA
Zip: 95125
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A