Date Received: 2023-09-12
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 I, XXXX XXXX XXXX requested debt validation via certified mail on XX/XX/XXXX to : Capital One XXXX XXXX XXXX XXXX, North Carolina 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 XX/XX/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 sent another email on XX/XX/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, and 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 am submitting this complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THAT XXXX XXXX XXXX. 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 XXXX. on notice, due to XXXX XXXX XXXX. 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 XXXX. Capital One XXXX. 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 XXXX. 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. XXXX. Capital One XXXX. 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 XXXX 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 XXXX. 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 XXXX Grants 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 XXXX ( XXXX XXXX XXXX ), 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 XXXX. authority to collect the alleged debt : Capital One XXXX 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 XXXX. is contacting XXXX XXXX from of the state, provide the licensing information from Capital One XXXX. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE. Due to unacceptable response from Capital One XXXX. XXXX XXXX gives notice that : Capital One XXXX. 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 XXXX. 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 XXXX [ XXXX XXXX ] this 12 day of XX/XX/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: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My daughter and I have a joint cc with Capital One. XX/XX/2023 got letter from Capital One saying a credit card acct opened that we did not recognize, ending in XXXX. We called them to say no, we did not open this account, we think it was fraud. We thought a fraud investigation was opened from that call. We then called XXXX to notify them. We got a letter soon after from XXXX saying this was now closed and was resolved. We requested a statement and were told our cards were canceled out. We waited for quite a few weeks and no statement came. Finally a report came from XXXX and showed that {$30000.00} was charged to the CapOne card and showed other addresses and phone numbers- not ours. We called CapOne to tell them- they said there was no fraud investigation opened and that someone had reopened our account. We said we did not. They said someone did and that we owed these charges. We escalated to the fraud dept. and talked to someone to explain the whole situation again. They said they would investigate. We called XXXX again to remove the fraudulent addresses and phone numbers and tell them what was happening. A few days later we got the CapOne statement and it showed multiple credit cards opened under one account and showed another person 's name on the bill. It showed thousands of dollars charged in Georgia and California. Not once had CapOne called us to ask if these charges were us, or if we had moved out of state or gone on vacation like most cc companies do when there are suspicious charges. We called CapOne to tell them about all the out of state charges and the unrecognized person 's name on the bill and they said that person must have my license and social and there's nothing CapOne can do to help, that we are responsible. We also got a letter from Cap One saying we or another user benefited from these transactions so we owe them. The letter also states that I opened these fraudulent accounts and interacted with this account which is patently untrue. If they just listen to the recordings they will hear this. The unrecognized name that shows up on the bill is a man names XXXX XXXX in GA who is in jail. CapOne has been wholly unhelpful and mostly uncooperative. We asked why there was XXXX XXXX in charges when the limit was XXXX XXXXXXXX for XXXX years and CapOne had no answer. This was gross neglect on their part on many levels.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: VA
Zip: 23237
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I applied for a credit line increase and was denied by Capital one stating that there is legal action pending against the applicant. When I called and spoke with them I was not given a clear answer. Was ask if if I have a judgment or a garnishment against me in which I replied no. I also stated that I have XXXX accounts in collection as well, and was advised to file a complaint
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. CAPITAL ONE XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONE customer service representative.
Company Response:
State: CA
Zip: 90022
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Nothing is matching up. The amounts is incorrect. The dates is incorrect. I would like this resolved or removed off of my record.
Company Response:
State: NJ
Zip: 08332
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Platinum MasterCard ending in XXXX was opened without my knowledge and consent. I never applied for this card.
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: They told me to contact the credit bureaus about the information with the Inquiries. I told them thats the inquiries are fraudulent and unauthorized 3 : capital one inquiries XX/XX/2023 XX/XX/2023 XX/XX/20XXXX XXXX
Company Response:
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Capital One has an inquiry thats been on there for a year for an auto loan inquiry that is identity theft. I did not approve that. Along with 3 credit card inquiries that I also did not approve From XXXX XXXX bank, XXXX XXXX XXXX, and Capital One as well.
Company Response:
State: TX
Zip: 75228
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I'm receiving emails through my work email stating that I have been approved for a Capital One credit card in the name of XXXX XXXX My name is XXXX XXXX and I am the XXXX. XXXX at XXXX XXXX XXXX XXXX XXXX I do not know how this person got my email address or anything but I do not want it effecting my personal credit because this is a fraudulent attempt on me
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A