Credit card -- Other features, terms, or problems -- Complaint #7559884
Complaint Overview
Complaint ID: 7559884
Company: Capital One Financial Corporation
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Florida
ZIP Code: 324XX
Date Received: 2023-09-16T12:00:00-05:00
Date Sent to Company: 2023-09-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I sent Certified Mail # ( XXXX ) to Capital One XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX per credit card agreement, items with restrictive words, conditions and instructions which was received on XXXX XX/XX/2023. I also sent Certified Mail # ( XXXX ) to XXXX XXXX XXXX XXXX ( Capitol One ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( which was delivered on XXXX XX/XX/2023 ) a Letter Of Instructions, Claiming the Interest & Equity Owed to XXXX XXXX XXXX Principal accounts ( XXXX ) ( XXXX ) ( XXXX ). I sent the Endorsed Bills per Bill Of Exchange Act 1882 Chapter 61, I sent a Durable Financial Power Of Attorney, to show I am the agent for the principal and I also sent a letter titled Federal Reserve Act Section 16. Notes Issues, just in case they have forgotten their duties as CFO. I mentioned in the instruction letter for the CFO to contact me in writing within XXXX business days giving reason for non-performance of his fiduciary duties. Then the XXXX XXXX XXXX XXXX Closed all three of my XXXX XXXX without my authorization and reported a false statement to the XXXX reporting companies that it was canceled by the creditor which is a lie because I'm the XXXX XXXX and I did not authorize what is going on now. 12 USC Sec. 1431 shows the powers and duties of the bank, they are the borrower and they pay the interest all Banks are security transfer agents and are committing securities fraud daily. Capital One XXXX XXXX XXXX XXXX is in Violation of the Federal Reserve Act Sec. 16 Note Issues ( 1 ) ( 2 ), Bill of Exchange Act 1882 Chapter 61 and the Federal Reserve Act Sec. 29 Civil Money Penalty. Capital One has a pattern of misconduct when it comes to upholding the Federal Reserve Act Section 16. Note Issues ( 1 ) ( 2 ), Bill of Exchange Act 1882 Chapter 61, Hart-Scott-Rodino ( HSR ) Act and the Constitution of the United States. Capital One and XXXX XXXX XXXX XXXX is knowingly and recklessly causing a substantial loss to the principal and is in breach of his fiduciary duty. I am now in the Second Tier of The Federal Reserve Act Sec. 29 Civil Money Penalty with this company. I guess I will have to take this to Federal Court because it seems like the CFPB is in the pocket of all these banks and does not do a thorough job of investigating these Banks for breach of contract and securities fraud, heck maybe they don't know the Law either.
Frequently Asked Questions
What is Complaint #7559884 about?
Complaint #7559884 was filed against Capital One Financial Corporation regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2023-09-16T12:00:00-05:00.
How did Capital One Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Capital One Financial Corporation?
Yes, visit the Capital One Financial Corporation company profile at readthecomplaint.com/company/capital-one-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.