Date Received: 2023-11-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I noticed unauthorizedbard inquiries on my credit report that I would like removed. According to FCRA, these unverified and unauthorized items must be removed. I never authorized these companies to run my credit, it's fraudulent. There is no information on account numbers because they are not linked to any open accounts.
Company Response:
State: TX
Zip: 78572
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a capital one card in the mail on XX/XX/XXXX I never requested nor do I even have an account with them after they made an inquiry on my experian account on XX/XX/XXXX. I never requested this inquiry either so they opened a credit card without my consent and brought my credit score down.
Company Response:
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have never missed a payment on this car or any other car or credit card, etc. Ive worked very hard to maintain an XXXX XXXX XXXX and I dont think that I should be penalized for capital ones mistake. The car was paid off on XX/XX/XXXX and was confirmed electronically on XX/XX/XXXX. I had even check in again with the dealership on XX/XX/XXXX to confirm that payment had cleared and they assured me it had. I have provided all the documents and bank transfer paperwork to capital one and still was not offered any type of resolution. With XXXX look at my account anyone can see that I have stellar payment history and I would never let this happen to my credit without some type of error on their part. Thank you for taking the time to look into this issue. I know that a lot of companies just look at issues like these as XXXX less customer but I have worked very hard to maintain a high credit score and I feel that capital one shouldnt hold me liable for their mistake.
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Capital One mislead me and mislead me in the past see attached screen shot stating offers with no credit pull PRE QUALIFIED overtime I got baited and switched, they pull a inquiry and this is not right Capital One basically opening up small credit lines three different accounts with small XXXX dollar credit limits, I requested to take all my credit cards and give me a small line of credit on one card they pull more inquiries as I have been a long time customer with no late payments they have basically failed on there end and use many excuses to many inquirys THIS IS FALSE ADVERTIZING AND IAM DISPUTING AND ASKING ALL CREDIT PULLS TO BE REMOVED FROM INQUIRY LIST in the past I shut down a XXXX dollar credit card not knowing it damaged my credit because of there bad faith
Company Response:
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/, I applied on-line for a Quick Silver charge card with Capitol One after receiving mail offering no fees on purchases and balance transfers with a 3 % fee but no interest for a period of time ( not sure of the period of time because after this didn't work out the way I planned/thought it would, I cut up the card, threw it and the mail out and called the company to cancel - I fished half of the card out of the garbage but couldn't find the other half ). I followed my initial application - at the time of the application- with a phone call to ask about the balance transfer which is the only reason I made the application. I'm not sure if they told me at that time that my credit limit was {$1000.00} ( I didn't care about purchases and didn't know that the credit limit included balance transfers ). But during that initial phone call I specifically asked about balance transfers and am pretty sure that I told the representative that I was not interested in new purchases but had two large amounts I wanted to transfer. They told me that I would have to wait about 11 days to call and find out about balance transfers. If they did tell me then that my credit limit was {$1000.00}, I'm sure they never during that initial conversation told me that a {$1000.00} credit limit meant I could only transfer a balance of {$1000.00}. It was my understanding that " credit limit '' meant new purchases, new debt, new credit. It was a lengthy conversation and the representive had ample time to tell me that {$1000.00} credit limit included balance transfers. When I called back after the 11th day, there was another long conversation when I learned I could not transfer my two high interest card balances because of the {$1000.00} credit limit. I explained that perhaps I was only approved for {$1000.00} because of the other two cards, the balances of which would disappear after the transfer. During that conversation I cancelled that new account and cut up the new card. In the meantime, my credit took a hit, I am sure, so even if I find another company that would transfer my balances, I may not be approved because of the lower credit rating. ( A side note is that I had erroneously misreported my income by forgeting to include my income with a simultaneous second job- which I did convey to the representative during that 11-day follow-up phone call but which seemed to have no bearing. )
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following companies listed below have been pulling my credit without my approval or authorization leaving me with unwanted inquiries on my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Incorrect address and names is not correct
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I deposited {$10000.00} from my XXXX XXXX XXXX XXXX bank account, into a capital one HY savings account. Two weeks ago, roughly around XX/XX/XXXX. I went to withdraw some money and found out there was a hold placed on the account. Called the first number, Capital One said that theres an investigation into the original deposit on the account because it came from a business account. I informed them that Im the owner of this business account and can verify that, they said that theres nothing they can do. They have no dates on when my money would be released. Went into a capital one bank in XXXXXXXX XXXX on XX/XX/2023. They said that there was nothing they could do. They dont have any more information. They however did give me a case number ( case XXXX XXXX ) and another phone number to call. When I called that number Capital One said that theres been a flag on my account since the original deposit they have no knew answers on when my money will be released. I asked again for them to return the money to the original account. They said no they cant do that. They have no answer when my money is gon na be released or when the investigation will be over. Theyve held my money for 4 months without telling me and I would like my money back.
Company Response:
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was banking with Capital One and I deposited a check which was not in my name they told me that I need to verify that I had permission to deposit the check I gave them a phone number from the issuer of the check and from the name written on it but they said that they can still not verify it. Now my money has been locked for more than a full year with no resolution. The money they keep is even more than the amount of the problematic check!
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject. Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a CAPITAL ONE customer service representative. I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A