Date Received: 2023-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The bankcapital onefroze every penny in my account including my direct deposit from paycheck and my child support leaving me with no access to any money inc, using freezing my childrens account. This is the result of a court order from a creditor, I completed and faxed the exemption firm and called the creditor who gave me until XXXX to make a payment though the debt is not completely legitimate. The creditor also informed me that it is not legal for capital one to freeze all of the funds in my account and the first. XXXX were exempt. Despite several attempts to contact capital one to explain this law, they wanted a release from the creditor to release the freeze and denied me of fairness under the XXXX. I have no money to survive and they left me access to XXXX fund as well as my XXXX children as they froze their accounts while XXXX are in XXXX Capital one refused to acknowledge this that even the collector says they needed to follow this law but its not their place to tell them. The debt is old and disputable as I continued to pay on it for longer than after sent to collections. They put my livelihood in immediate jeopardy as my rent is due. I have a minor with me in my home whom child support is frozen. This is exempt in addition to the first XXXX in my account as all accounts combined do not amount to XXXX! I have a water bill due and no access to food, gas, I need to pay me water bill and they have taken my every cent. This should not be tolerated.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I, the consumer and natural person, was denied credit by CAPITAL ONE while I applied for a CREDIT CARD. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit opportunity Act which is codified in 15 U.S.C 1691k. CAPITAL ONE is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by CAPITAL ONE due to the response i received. CAPITAL ONE is in violation of U.S Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of a credit card ) on behalf of CAPITAL ONE.
Company Response:
State: IL
Zip: 62521
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Repossession
Subissue: Damage caused or loss of personal items in vehicle during the actual repossession
Consumer Complaint: XX/XX/XXXX my XXXX XXXX XXXX was repossessed by XXXX XXXX XXXX XXXX. The lender was Capital One Auto Finance. When we picked up the vehicle after paying all the outstanding fees we noticed it didn't have power steering. We filled out a notice of damage form from the vehicle storage where the vehicle was stored after the repo. We had it looked at by XXXX XXXX XXXX and provided a estimate to repair the damages. We contacted Capital One Auto Finance and submitted the claim. They denied the claim stating we submitted the claim too late and there is nothing they will do. The vehicle is worth XXXX and the damages were estimated at XXXX. In addition they reported the loan as charged off on me and my wife 's credit reports.
Company Response:
State: TX
Zip: 77598
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under the Fair Credit Reporting Act, Capital One has violated my rights under 15 USC1681 section 6 o 2 states I have the right to privacy 15 USC 1681, section 604 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit for any purpose. Capital One is reporting 10 missed payments, 5 on one card, and 5 on another. There are only 4 months that are reporting not current in XXXX. One card is from XXXX to XXXX of XXXX, and the other is from XXXX to XXXX of XXXX. Disputed was once taken on my end, but the company refuses to change or erase the inaccuracies.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Repossession
Subissue: Account reinstatement or redemption after repossession
Consumer Complaint: Please have that account remove and block from my credit report
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I had requested an extension of my consumer credit and was deaid to my consumer credit, which I lawfully have a right to in an entitled too, and because of the denial of the application I requested that if they do not extend the credit, then I would like my contract to be retracted from their system. So that they can not securitize it and make a Get any interest or any sort of profit off of my application and private information that they had collected. Also I applied because they were sending me numerous pre-approved consumer credit cards and denied me for everyone that I had applied for which makes me believe that they were just trying to capture my applications with my private information. So that that way they can make a profit of a reselling My application to third parties.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: One off my ex boyfriends n friend stole my computer drive n all my identy ss card address dob dr licsence number w2 form and spent a lot off time digging into my life history to steal money I believe overseas money transfers being done by them lots off money laundering Credit card XXXX cards all done under my identy its insane they were paid to harm my life by my mother n ruin me my mother was hiding money inheritage money from me well all my identy gave thm access to steal money ALOT off money n they are using my identy even did taxes last yrs there ruining my life plus mortgage credit card plus auto loans out its insane need to be stopped I made police report told I had to contact u guys on this matter there transferring a lot off money to XXXX XXXX pay paid XXXX XXXX accounts from a bank that could be put off XXXX XXXX XXXX due to my ip address XXXX email contexts my computer to them XXXX had a alert off hacking today theres credit cards under my name used I got no way off stopping them or this been going on few yrs Im tired Im disable n this is a lot needs to be stopped
Company Response:
State: TX
Zip: 794XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Multi people have had used my personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maybe even XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are multiple people on my credit report that I don't know of again these are multiple police reports and they have forged our marriage license as well sending mail to previous addresses that didn't have cameras XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX home loan under my XXXX XXXX XXXX XXXX XXXX. XXXX has worked for the IRS has a master in accounting she does income tax. There Money laundering through other people XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX etc they have copies of my driver 's license and social security card duplicated. She has been caught in XXXX for drug trafficking stolen cell phones under my information XXXXXXXX XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Upon paying my credit card off that Ive had with capital one for a year now once I made a payment the payment was posted and withdrawn from my personal checking account for {$160.00} as well as {$150.00}. This payment was posted from capital one to XXXX XXXX XXXX XXXX. On XX/XX/XXXX I went to a branch to speak to a teller which referred me to a representative who then told me she had no information on my account was closed and she was not allowed to provide any response on a refund or reimbursement of the payments that were taken from my checking account. Ive had this account for 1year now and Ive never in my entire lifetime missed a payment or a bill Ive even paid this bill weeks in advance of its due date just for them to try to steal my money and close my account.
Company Response:
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I also respectfully request the Capital one provide specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time of is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws
Company Response:
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A