Date Received: 2023-12-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Capital One has reported different time incorrect information that is false, deceptive and misleading on my credit report. Furnishing inaccurate information to the Credit Report Agency ( CRA ) is prohibited. This is a violation of many of my rights and have gotten XXXX due to this.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I looked at my credit report on or around XXXX and noticed that i have some late payments with capital one, So I gave them a call on or around XX/XX/XXXX to see if the late payment could be taken off because they were inaccurate. The representative checked. and asked me how they could help, and I asked to speak to a manger. They said there was no manager to speak with and that the best thing to do is to file a dispute about the late payments that are on my credit reports. XXXX reports late payments on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. XXXX reports late payments on XX/XX/XXXX & XX/XX/XXXX. XXXX reports late payments on XX/XX/XXXX & XX/XX/XXXX
Company Response:
State: MI
Zip: 48204
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Capital One closed my consumer account on or about XX/XX/2023 per federal law any consumer account that is terminated the remaining balance must be returned to the consumer. I have not received my refund from this account as it is actively reporting charged off. 12 CFR 1026.11 - Treatment of credit balances ; account termination. CFR State Regulations prev | next 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Re : Account ending in XXXX, XXXX Capital One Case XXXX CFPB Case : XXXX The Law says 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I decided not to have any information shared with any XXXX parties and any contract I had with Capital One is revoked! You damage my reputation, welfare and credit to where I'm being refuse to open a bank account YOU DONT HAVE PERMISSION to SHARE any of My INFORMATION
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I told Capital One this was not my debt. They still continue to charge me. I submitted an application to have the fee reversed and collections terminated. They never responded
Company Response:
State: KS
Zip: 66614
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collect ing the debt Falsely represent or imply that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person, unless such action is lawful and intended by the debt collector or creditor This debt shall be deleted immediately both Capital One debts shall be deleted the consumer stated that the individual did not respond to debt forcing the individual to accrue fees and interests that subjected the individual to major debt amounts which could have been prevented furthermore in order for the individual to have these items remove the company stated that the individual did not furthermore communicate this information as stated above in the law this is a crime by the business which prevented the individual from payment and forced a debt XXXX
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: These Companies are violating my rights according to the Fair Credit Reporting Act and violating the laws that are in place pertaining to reporting accuracy on ones report. I have disputed these accounts numerous times with no results. I WANT THEM DELETED - INACCURACY OF ACCOUNTS NEEDS - ATTENTION IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX XXXX To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are Listed below. Please send me copies of the documents that you have in your files as of this date that you used to verity the accuracy of the accounts listed below. XXXX In previous disputes you claimed that this account was verified and is following The Fair Credit Reporting Act. How can this account been verified? You XXXX has completely different monthly payments ( {$100.00} ), Date Opened ( XXXX ), Balance ( {$130.00} ), More Serious Reporting errors you have a Past Due amount of {$100.00} along with numerous late payments attached to a account that XXXX has reported as a Charge Off while you still have the account as 120 months late. None of the last reported or last payment match XXXX or XXXX. I question if this is even the same account because again the account number you report does not match XXXX or XXXX. A Charge Off account should never have Late payments due to it being late by default. Please send me copies of the documents that you have in your files as of this date that you used to verity the accuracy of the accounts listed below. XXXX XXXX XXXX XXXX I disputed this several times to inform you this isn't my account and I was a victim of identity fraud and yet the account still remains. I have a report from Identity Theft. Gov listing this account. But even then This account as well has late payments attached to an already defaulted Charged Off Account if I was the owner. Along with that the date open, date last active and last reported do not match XXXX. This is a direct violations of my rights. CAPITAL ONE XXXX This account also has a Past Due Amount that is against the law to report on a Charged Off Account. The open date does not match XXXX, nor does the Last Active Date. This is unacceptable. I feel like this was a mistake that was made to purposely affect my credit reports even harder. You have violated about every one of my rights and the laws that govern me. XXXX YOU ONCE AGAIN HAVE BEEN REPORTING A PAST DUE BALANCE AND EACH MONTH IT SHOWS I MISSED ANOTHER PAYMENT ON A CHARGED OFF ACCOUNT. Not only that though it has a balance of {$20000.00} which is no where close to the past due amount that XXXX and XXXX have. Not one thing is accurate on this account compared the others. These furnish the same account numbers but none of the reporting information is accurate. XXXX This account has the payment status as late 90 days but in the two year history it does not show one late payment. How is that possible. The date opened, date last reported, date last active along with the last payment are not even close to being accurate. I WANT THIS ACCOUNTS DELETED OFF MY CREDIT PROFILE. THEY HAVE CAUSED A FINANCIAL STRAIN SOME FOR MANY YEARS. YOU CONTINUE TO VIOLATE MY RIGHTS AND BREAK THE LAWS EACH DAY THESE ARE ON MY REPORT. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g | have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your fies that were used to verity them. If you do not have any documentation in your files to verify the accuracy ( the wrong dates and amounts ) of these disputed accounts then please delete them immediately as required unde Section 611 ( a ) 5 ) ( A ) i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be prompty deleted. Therefore. if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above with receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. Please provide me with a copy of an updated and corrected credit report showing these items REMOVED, I demand the following accounts be property verified or removed immediately. PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY Thank, you for your help in this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: They're Reporting derogatory payments Plus I've sent dispute letters they fell to remove this issue off all three credit agencies..
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: All 3 credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, XXXX XXXX
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Sent an overnight check to Capital One Bank on XX/XX/XXXX which was for more than the balance due, check was signed for on XX/XX/XXXX. The check amount was credited to my account on XX/XX/XXXX. After seeing the posting online, I contacted Capital One to see if the would consider waiving the interest fees that were charged to my account seeing I have never been late, and my account was in very good standing with them and customer service confirmed that the account was in very good standing. Also, I asked why it took them 3 days to post to my account and accrue additional interest. I never have asked for any consideration in the past to waive any interest charges. I was told NO by customer service and that they had 3 days to post my check. They could not give me a straight answer to why the check was not posted on XX/XX/XXXX when it was signed for and received. All i was asking for was a overpayment of {$71.00} returned to me which included the waiving of the accrued interest. I was still told NO that they could not waive any fees and the interest of {$26.00} will be deducted from my overpayment plus the XXXX charge of {$7.00} and a total of {$37.00} would be sent to me in approx. XXXX. I requested that the funs be sent to me that day. They said they would process the request and a check would be mailed in XXXX business days. I tried to explain that I have paid off several Credit Cards, which were overpaid and ALL XXXX, XXXX, XXXX XXXX and XXXXXXXX XXXX ALL waived there interest fees and the Full Overpayment dollar amount was refunded in Full. Dealing with Capital One XXXX Customer service is a nightmare. I even spoke to a supervisor and She told me that the decision they mentioned will stick. I told them that I would file a complaint and I was told To Go Do What You Want. All we are talking about is a total Refund of {$64.00}, not {$37.00} I even took steps to make sure no Additional Charges are placed on this Credit Card Again
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A