Date Received: 2023-11-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In the accordance with the fair credit reporting act this creditor kohls/ capital one has violated my rights under 15usc 1681 ( a ) section 602 states I have the right to privacy 15usc 1681 section 604 ( a ), section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Hello my name is XXXX XXXX, I was issued this card two years ago. I am in college currently pursuing my XXXX XXXX. A year and a half ago i ran into some issues on making payments, i have contacted the company to resolve some issues with payments and they refused to assist. I am writing this report to tell my story about how i was treated by multiple agents at capital one. I have been a loyal customer since the card was issued. I am disgusted by the way capital one handled the situation. No negotiations was made including lowering fees, lower interest rate, lower monthly payments or postpone payments.
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
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: A number of fraudulent transactions were posted to my credit card by XXXX. Capital One has stated that they received information indicating that the transactions were not fraudulent, but has refused to provide that information to me so that I could verify. They refer to the information as " non public, '' but is information about my account.
Company Response:
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
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: Timeline of Events XX/XX/2023 received e-mail from XXXX XXXX that they were in possession of my resume, that I was under consideration and was asked to answer some general questions. The email outlined the compensation package and that I would receive a response by XX/XX/2023. XX/XX/2023 received email from XXXX XXXX offering me the position of XXXX XXXXXXXX with XXXX XXXX along with XXXX attachments including, Companys history, job description and payroll form. It was a remote position with an estimated start date of XX/XX/2023 XX/XX/2023 I did my Due Diligence including reviewing web site, web search for fraud/complaints, confirming provided XXXX with the NY XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. None showed any discrepancies. XX/XX/2023 I sent XXXX XXXX an email accepting the position. XX/XX/2023 I received a telephone call from XXXX XXXX welcoming me to the company, reviewing the next steps, the equipment needed to do the job, the pay during the XXXX week training period and that she would be my supervisor. XX/XX/2023 received another telephone call from XXXX XXXX that if I used my credit cards for the purchase I could additional compensation in the form of commissions. I declined, stating that I would not fund the purchases. They would need to be pre-funded. XX/XX/2023 I received a XXXXXXXX XXXX Routing # and Account # to pay off one of my credit cards so I could make purchases of XXXX Laptops, XXXX and watches off a provided list. I used the account to pay off XXXX card in the amount of approximately {$5900.00}. The confirmation # is XXXX. XX/XX/2023 -the CapitalOne website showed that they received payment and showed a {$0.00} balance. XX/XX/2023 I called CapitalOne to confirm that the card was in fact paid off and was authorized to use the full amount of credit. I wet and made purchases in the amount of {$570.00}. XX/XX/2023 I notified XXXX XXXX, via email, that I made some purchases. XXXX XXXX provided me with shipping labels to XXXX the packages. I provided XXXX XXXX with a copy of the XXXX confirmation. XX/XX/2023 I received an email from XXXX XXXX advising me to pay off the card again using the XXXX XXXX account provided. XX/XX/2023 I made another purchase using the same procedures as above. XX/XX/2023 I received notice from CapitalOne that the XXXX payment was returned. I notified XXXX XXXX via phone & email. XXXX XXXX provided a XXXX XXXX XXXX account for me to pay off both purchases plus fees. She assured me that this time the payments would go through. XX/XX/2023 XXXX XXXX emailed me again assuring me that this account was well funded and the payment would go through. XX/XX/2023 XXXX XXXX emailed me asking me for the total card charges and that she would make sure that the account was sufficiently funded to cover the charges. I complied. XX/XX/2023 the payments were returned for the second time. I notified XXXX XXXX by email. She did not answer her phone. XX/XX/2023 I tried calling, emailing and texting XXXX XXXX over several days with no response. XX/XX/2023 I texted XXXX XXXX that if she did not respond to any of my correspondences that I would report this to the authorities, including the FBI. XX/XX/2023 I received an immediate response from XXXX XXXX that the company was in Bankruptcy, that they terminated more than XXXX people from their NY XXXX and that I can do as I think is right. XX/XX/2023 - I notified CapitalOne and XXXXXXXX XXXX of the potential scam. I filed an IC3 Complaint Form. I filed a complaint with the NY an FL Attorney General offices. I have maintained copies of all correspondence, both email and text, purchase list, purchase receipts and XXXX shipping confirmation numbers.
Company Response:
State: FL
Zip: 33327
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: When I applied for a Capital One Business credit card using my EIN on XX/XX/XXXX I was denied with the reason being that Capital One could not verify my identification. However the hard inquiry instantly hit my credit profile before the company had even obtained my ssn. I had called into Capital One to ask them what documents were needed to additionally to my application, followed the directions and sent in the documents. I was denied on the XXXX of XXXX. After my second complaint I received a call from an executive who left a message and I have yet to personally talk with her but yet my case is closed.
Company Response:
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
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: I placed an order for a XXXX XXXX XXXXtem over a year ago. The promised delivery date was within 20 days. I never received the item. I kept calling XXXX XXXXn every few months and was told it was a really popular item and I would receive it. A year has gone by, I called XXXX XXXX again and was told by a supervisor that the order disappeared into a black hole and to cancel the order, they would issue the refund amount of {$830.00} on my XXXX XXXX credit card and then to re-order the item. XXXX XXXX did cancel the order, but have not issued the refund. I call everyday and get absolutely nowhere. I am out {$830.00} and have never recieved the item. I need help getting my money back.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023 I sent 6 certified return mail letters to the following companies Capitol One, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. My accounts were charged off but i was not sent my 1099-C form for cancellation of debts. They knowlingly did so and filed it as cancelled debt instead of sending my 1099-C forms to me. All of said companies have not sent me my requested documents immediately. You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income. There are exceptions and exclusions, such as bankruptcy and insolvency. See Pub. 4681, available at www.irs.gov/Pub4681, for more details. If an identifiable event has occurred but the debt has not actually been discharged, then include any discharged debt in your income in the year that it is actually discharged, unless an exception or exclusion applies to you in that year
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've reach out to the original creditors as well with no resolution. I had requested for the inaccurate information to be removed and blocked from my credit report. this information was obscure, had errors & omissions I requested that the record be augmented, this is causing a defamation of character and it's injuring me financially. I've spotted many red flags regarding this matter such as : No consistency - Different staff or salespeople are telling you different things. Confusing fine-print Wont put it in writing- No one will give you clear information in writing, even when you ask for i I demanded the direct verification, and validation all data for this account, every notation, dates and balances, whether reported or not. I demanded proof as per Public Law No. 91-508 ( FCRA sec 605, 609, and 623 ). and to please verify and validate all data for this account, on top of it, if this is a collection account and the collector need to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. I do not recognize the charges on the account nor the account itself, it does not belong to me, I purge myself and my person ( s ) from any and all assigns for account listed herein, so be it, and ;
Company Response:
State: NV
Zip: 89130
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 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 any account without my written instructions. Under 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: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A