Date Received: 2023-11-24
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I am getting an enormous interest rat charge on the credit card they was not there before.
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello, I am a victim of identity theft. Someone has been hacking my accounts since the beginning of the year and I have called capital one to make several complaints. I have opened several claims with them but whenever they deny a claim, they never give me any type of investigation process or proof. I think it's completely unfair that they can just deny claims when I am literally telling them that I did not authorize these transactions. Can you please have them reinvestigate these claims and give me my money back. # XXXX # XXXX # XXXX I did not authorize these transactions and I have told them multiple times. Because of Capital One 's irresponsibility, I faced an eviction and lost my home. Please have them rectify this.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, Capital One auto finance acct no : XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written permission.
Company Response:
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Claim number with capital XXXX XX/XX/2023 XXXX charge made with lil XXXX XXXX XXXX to reserve hold on a dog I reserved a hold on a dog on XX/XX/XXXX On XX/XX/XXXX, my spouse lost her job at a XXXX and I contact her immediately letting her know I need refund to financial issues now and she refused and or stopped answering XXXX Name XXXX XXXX XXXX All I need is a refund she offered to send that money to a future payment but won't work cus I need money now due to financial problems as we lost am income in the house
Company Response:
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I want to file this complaint with CAPITAL ONE. I sent them letters regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. I have also attached the FTC report with the report number XXXX.
Company Response:
State: CA
Zip: 90025
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I made a payment of {$110.00} on XX/XX/2023. Received an alert for fraudulent activity triggered by the payment. I called the fraud department to lift the hold and was told that I first needed to verify that I own the payor account. When I asked why they refused to provide the reason for the fraud hold. Even after verifying credit card and identification information for their security protocols. For context I have used the same payor account for the same card through the mobile app without changes for over 2 years. I am also legally entitled to any relevant account information. They are withholding information that I'm legally entitled to while demanding verification for a payment method I've used for several years.
Company Response:
State: IA
Zip: 50266
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I requested that the inaccurate, unauthorized information be validated by providing to me the following ; 1.Copy of the original contract bearing my original signature that i signed for this debt. 2. Payment history from the original creditor clearly showing my payment with them 3.Name and address of the original creditor 4.Proof of ownership that they have been asign this debt. It has been since XXXX XXXX and the correct and accurate requested information has not been provided yet.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a cancellation of payment arrangement letter from capital one dated XX/XX/2023. I have a charge of debt currently reporting on my credit from this same company ; yet they were paid in full XX/XX/2023 ( see attachment ). Called Capital One directly. They admit I paid as agreed and on time ; yet they can not tell me why they cant correct it in their system. The pink slip for the vehicle was sent to XXXX when capital one receive and cashed their check in XXXX of this year. They would not have sent the pink slip with an owing remaining balance. I have not been able to qualify for housing or another vehicle loan because of this. Please advise.
Company Response:
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Car has been paid off from other party XXXX XXXX and also XXXX XXXX paid. This was due to other car crashing into my car. XXXX XXXX has been paid off. They are ruining my credit report stating I am at delinquency. They are the worst bank one can bank at they have fraud many people including myself with my other vehicle its completely paid off but their saying I still owe.
Company Response:
State: CA
Zip: 93436
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing this complaint to CAPITAL ONE. I am writing to formally express my deep concern and disappointment regarding the lack of action taken to correct and remove fraudulent accounts that persist on my credit report. Despite my diligent efforts, the presence of these inaccuracies continues to impact my reputation adversely. On XX/XX/2023, XX/XX/2023 and XXXX XXXX, I submitted dispute letters to CAPITAL ONE, detailing the fraudulent accounts and requesting their prompt correction. Regrettably, to date, I have not witnessed any substantive action taken to address these discrepancies. This prolonged delay is distressing, as I anticipated a swift resolution to ensure the accuracy of my credit file. To assist in your investigation, I have attached my Federal Trade Commission ( FTC ) report with the reference number XXXX. I believe this report provides additional context and evidence supporting the urgency of this matter. I am genuinely disappointed that the information on my credit report does not accurately reflect my financial history, as I expect from a reputable credit reporting agency. I trust that CAPITAL ONE will take immediate and comprehensive action to rectify this situation and uphold the accuracy and integrity of my credit file.
Company Response:
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A