Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Im wanting these inquiries to be deleted because i did not authorize these companies to run your credit this is fraudulent.
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I am writing to file a formal complaint against Capital One Financial for their negligent handling of my credit card account, which was unlawfully subjected to fraudulent activities. Upon discovering unauthorized transactions on XX/XX/2023, I promptly reported the issue to Capital One, resulting in the closure of my account due to the acknowledged fraud. Despite this closure, the financial institution has continued to assess exorbitant late fees and interest charges, compounding my financial distress. The lack of a thorough investigation into the fraudulent activities by Capital One is not only a breach of their duty to safeguard customer accounts but also a violation of consumer protection laws. The unprofessional conduct exhibited by Capital One 's customer service, including the use of inappropriate language and abrupt termination of calls, further underscores their disregard for customer well-being. I am disputing all late fees, interest charges, and additional transactions on the account that occurred after its closure due to fraud, and I urge CAPITAL ONE to investigate this matter thoroughly and take immediate legal action against Capital One to rectify the situation. Enclosed with this complaint are supporting documents, including copies of relevant statements and communication records with Capital One, which substantiate my claims and highlight the urgent need for intervention.
Company Response:
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: In the provided letter, the individual is disputing inaccurate names and addresses on their credit report. The discrepancies include names like XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Additionally, there are listed erroneous account names and numbers ( ID # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ). The letter cites the Fair Credit Reporting Act ( FCRA ) and specific provisions ( 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681c ) that mandate accuracy in consumer reports, investigation of disputes, and the inclusion of relevant creditworthiness-related information. The individual requests a thorough investigation into these inaccuracies, the removal of incorrect accounts, and the provision of an updated credit report. The letter also warns of potential legal action if the dispute is not addressed promptly.
Company Response:
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Capital one is reporting an account that is not mine with a balance of {$590.00}. They will not stop calling and sending email about this account that is not my account.
Company Response:
State: AR
Zip: 72211
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This letter is about Capital One QUICKSILVER Account # XXXX XXXX XXXX XXXX XXXX Principal being XXXX XXXX XXXX XXXX As of XX/XX/, the account was suspended. On XX/XX/, during a telephone inquiry notification was provided the account is closed due returned payments of {$25.00} in XXXX and XXXX of XXXX along with other violations of the Capital One terms and agreement. XX/XX/, I spoke with a representative regarding an unrecognized charge of {$190.00} and filed a dispute for said charge and made a request to receive the terms and conditions for the account. As of XX/XX/, the charge of {$190.00} was credited to the account ending in XXXX, a few days later received terms and conditions dated XX/XX/XXXX XX/XX/, Tender and an instruction letter was sent by XXXX XXXX XXXX CERTIFIED MAIL to XXXX XXXX XXXX XXXX, NC XXXX, tracking number XXXX XXXX XXXX XXXX XXXX. This address used is listed in the Capital One Terms and Agreements section Items with Restrictive Words, Conditions, Or Instructions on page Four. The letter of Instruction read : Notice of Claim to Interest & Instruction I, XXXX, XXXX agent on behalf of XXXX XXXX XXXX XXXX principal hereby accept all Titles, All Rights, All Interest and Guaranteed Equity owed to Principal . I hereby instruct Principals Balance be applied to Principals Account # XXXX XXXX XXXX XXXX each billing cycle. Please apply this Tender to the account monthly. I also require communication in writing regarding any discrepancy. If no communication is made within Ten business days after receipt of the letter, I will assume the aforesaid instructions have been completed. All amounts due to principal are to be sent to : Treasury Direct Account XXXX By : / Agent XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT RECOURSE This Instruction letter was notarized and included a Bill of Exchange with a restrictive indorsement and stamped ; For presentation to the United States Treasury XXXX for redemption or in exchange for securities of a new issue, in accordance with written instructions submitted by XXXX, In accordance with 31 CFR 328.5 & 31 CFR 328.6. Furthermore 31 CFR 328.4 states : Bearer securities bearing restrictive endorsements as herein provided will thereafter be nonnegotiable and payment, redemption, or exchange will be made only as provided in such endorsements. Moreover, protected by 31 CFR 328.8 : Loss, theft, or destruction of securities bearing restrictive endorsements. Furthermore, the item has yet to be returned with an explanation, or right to cure, and no explanation of why the account has been closed. I will not be denied my rights to credit as Subrogee and Beneficiary due to the unwillingness of Capital One to honor my request and abide by Title 15 subject to enforcement by Title 15 U.S. Code 1611. Capital Ones actions are in direct conflict with the Indenture Trust Agreement filed with the SEC along with the Consumer Protection Act, Fair Credit Reporting Act, Truth-In-Lending, Graham - Leach Bliley Act and several others. As to not have this letter become too long and drawn out, I will not include each act and violation.
Company Response:
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have been paying separate interest ( cash advance interest ) on my credit card statement each month in addition to the regular interest charged on my charge purchases. This has been going on for some time but when I look at my statement online it shows that the Cash Advance interest rate is 28.24 % just as it is for regular charge purchases 28.24 %. So I called them today, XX/XX/XXXX to inquire about what cash advance purchase was made and when because I don't recall when I have ever made a cash advance purchase with this credit card. Well after speaking with 2 customer service reps and ultimately a Supervisor they told me that this was a cash advance made in XX/XX/XXXX for {$63.00} ( over 5 years ago ). I told them that after all this time paying interest each month this balance wasn't never paid off! I most often always pay more than the minimum payment each month. Why can 's some or part of that additional payment go toward the cash advance balance. They told me the only way that {$63.00} would be paid off is if I pay the account in full, otherwise it would keep accruing interest forever more until the entire account is paid in full. This to me is bad practice. If this is the case as they say, then why would any one want to use the cash advance feature when they would have no chance of paying it off. Furthermore, even though they charge me interest on this cash advance, they avoid putting on my statement if anything has been applied nor include any information about the original balance.
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I requested a {$1000.00} payment to a creditor through XXXX XXXX XXXX on XXXX XXXX. The funds were withdrawn from my account and a check mailed to the creditor. The creditor claims he never received the payment, although I confirmed address details were accurate. I called the bank on XXXX XXXX and asked for a stop payment. I was told the check was never presented for payment. Supposedly a stop payment request was made, but the bank says it will take 10 business days to investigate and issue a " provisional credit. '' There is no need for an investigation or basis for refusing to release the funds once a stop payment is issued.
Company Response:
State: WI
Zip: 53202
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/ tried to pay off my entire balance and it said an error occurred. This is the second card this day that it happened.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent
Company Response:
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Previously, I opened a secured credit line with Capital One : On my credit card and also on my account, the name associated with the account is XXXX XXXX XXXX. I am XXXX XXXX XXXX. Therefore, a week an half ago, I opened a checking account. I told them that I noticed that my account said XXXX XXXX. There are at least XXXX XXXX XXXX in the world, and my father is XXXX XXXX XXXX, and He also goes by XXXX XXXX. Do you the problem? As I wish that my debit card and my account information state XXXX XXXX XXXX like my credit card with capital one. I wish to know why my debit card states XXXX XXXX when I am XXXX XXXX XXXX. Also, I wish to change it to XXXX XXXX XXXX, and I told Capital One the same story. Thank You.
Company Response:
State: TX
Zip: 78521
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A