Date Received: 2023-11-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Capital one changed of two different accounts on my credit report. Ive have called this company numerous of times about this fraudulent accounts and they keep telling me these accounts are accurate. They have sold these account to two different debt collectors but capital one bank and capital one XXXX is still shown on my credit report. They are violating my rights using 15 usc code 1681 to a fair and accurate credit reporting.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: People are using my credit cards and charging me they have used XXXX and making me pay for it and the banks do fraud they use other money I have to make it that I got it back my money which in reality there doing fraud to they also ruined my credit score
Company Response:
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: In XXXX someone opened up a credit card from kohls in my name without my consent. I saw it on my report later that month and tried to dispute it but at first I couldnt bc they also created an XXXX and XXXX account in my name until I was able to call and change the password. I finally was able to dispute but the dispute was completed and its still on my account and they spent {$770.00} on that card. Please remove it from my credit report I have nothing to do with this.
Company Response:
State: CA
Zip: 95815
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My phone and wallet were stolen in XXXX XXXX on XX/XX/XXXX around XXXX XXXX PST. I was without a phone until Saturday XX/XX/XXXX at XXXX XXXX. I reported fradulent activities on my capital one account. On XX/XX/XXXX they said that my claim was denied due to electronic activity or login history. I was unable to log into my account until I was able to get home on XX/XX/XXXX. There are numerous charges that I need the company to reverse on my capital one checking account. there are as follows : XXXX charges in the amount of {$300.00}. XXXX are investigating it is an incarceration company to where you can pay imates. I have no one that I know that is in prison. The other charges are XXXX resorts in the amount of XXXX, XXXX for XXXX, XXXX in for XXXX charges of XXXX and XXXX, XXXX charges of XXXXXXXX XXXX XXXX XXXX of XXXX and XXXX and lastly XXXX in the amount of XXXX. All I would like is to get my money back. I was able to get with Capital one to change all my accounts to new checking and savings accounts so that no other transactions are made. The are XXXX disputes numbers : XXXX and XXXX.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are multiple credit inquiries on my credit report that I did not request or give permission to any of the companies that pulled my report
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: RE : Urgent Assistance Needed Regarding Capital One 360 Checking Account Hello, I trust this message finds you well. I am writing to seek urgent assistance regarding my Capital One 360 Checking account. In XX/XX/2023, I opened the account while I was not employed, and no funds were deposited during that month. However, I secured employment in XXXX, and on XX/XX/XXXX, my employer, XXXX XXXX XXXX XXXX XXXX, deposited {$3100.00} into my account. Additionally, on XX/XX/XXXX, I received XXXX smaller deposits of {$270.00} each. On XX/XX/XXXX and XXXX, I requested funds from my cousin for personal expenses, totaling {$2000.00} and {$1700.00} ( {$1000.00} + {$700.00} ), respectively. He transferred the money via XXXX, but my account was subsequently restricted from accessing these funds. Despite numerous attempts to reach out to customer care, I have not received any information about the account status, and my calls remain unanswered. The situation is particularly distressing as I have been waiting for these funds, and there is uncertainty regarding whether the bank will release them. I have informed my cousin, who confirmed that the funds originated from his payroll and provided proof in the form of pay slips. We are willing to provide any necessary documentation, but unfortunately, the bank has not responded to our calls or emails. I am reaching out for your assistance in resolving this matter promptly. Your help in facilitating communication with the bank or providing guidance on the necessary steps to recover my funds would be greatly appreciated. I am happy to provide any documentation needed to expedite this process and help me get my funds back. Thank you for your prompt attention to this issue. I look forward to your assistance in resolving this matter. Sincerely,
Company Response:
State: TX
Zip: 75063
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I took a look at my consumer reports and saw late payments being reported by this company for the following months ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In accordance with the fair credit reporting act capital one accounting # XXXX, has violated my right. 15USC 1681 Section 602 States that I have right to privacy. 15 USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 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: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to dispute the consumer report inquiries conducted on my behalf without explicit permission. I did not authorize of any such investigation, and I request immediate deletion and clarification of this matter. I have filed a complaint with the FTC.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I requested a credit of a {$40.00} late fee. Capital One did grant me that. I have been a good customer. I pay on time. I was late maybe one other time. I was late this time because I am the main income earner in my household. My wife has gotten a job now but she got behind on some of her credit accounts. I was helping her out and just missed paying mine. {$40.00} is like {$400.00} to me especially in this terrible economy we have. {$40.00} is nothing to Capital One. In fact Capital one is not being inclusive of folks like me who are trying to make it day to day. They are penalizing me and discriminating against me. I made a payment after the due date. I have not missed a payment in my time having this account. It is a shame that Capital One in this day in age with the terrible economy and inflation would not be inclusive or understanding of someone who just missed one payment but then the next day or so made a payment. Penalizing me the way they did makes it harder to pay them and they make more money on the interest. It is not an equal scale. I am sure Capital One does the same to XXXX people and XXXX people. They fleece everyone, they shake down everyone. I wish they would just credit me the {$40.00}. That is an extremely high late fee. I can understand charging a late fee if someone doesn't pay, but I paid the next day so i think they should credit late fees back if someone makes a payment.
Company Response:
State: TX
Zip: 77356
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: First initial contact of this horrible situation. On the morning of XX/XX/2023, I receive an email from Capital One stating Congrats Your new XXXX checking account is open. Since this email was timestamped at XXXX and I reviewed my emails around XXXX that morning. As I am trying to get my work day started, I went online to research Capital One customer service number. I immediately tried to call Capital One at XXXX by calling XXXX it was speaking about credit cards. So, at XXXX am I tried calling phone number XXXX and first spoke to either XXXX or XXXX both I spoke to explaining what email I received and what had occurred and I didn't not open nor authorize any checking account opening. I explained this was unauthorized and my information has been comprised. The first representative transfer to the second person to closed the account due to account opened fraudulently. I ask them can they provide me with the IP address to whom open this account initiated from but later informed me I needed a subpoena to get such information. I advise them to immediately closed this account. I was informed that it will be close and soon receive something in the mail. Now, fast forward to almost to XXXX month later XX/XX/2023 I am calling Capital One again because I receive another email timestamp at XXXX stating Important Account Information with the following information. Dear XXXX, We sent you a notification at the time you opened your new account at Capital One 360 asking for you to contact us. Unfortunately, we haven't heard from you and we still need some additional information before you can use your account ( s ). For your security, this is something that can only be done by speaking to one of our Associates. You must give us a call soon or your account ( s ) may be closed. You can reach us at XXXX XXXX through XXXX, XXXX XXXX to XXXX XXXX, XXXX from XXXX XXXX to XXXX XXXX, or XXXX from XXXX XXXX to XXXX XXXX XXXX Keep in mind : Until we talk to you, you won't be able to make any further deposits or withdrawals on the account ( XXXX ) including any Automatic Savings Plans you previously set up. If this is a joint account, this also applies to the joint account holder. If we don't hear from you, we may close your account ( s ). Once you confirm your info with us, you'll have full access to your account ( s ) again. Thanks. I called this morning to Capital One again at XXXX calling XXXX spoken with XXXX XXXX XXXX XXXX explaining to her with frustration that this account was unauthorize and this account was open without my permission and without my knowledge and XXXX month later I still have not received a letter stating this account was close which after receiving this email I see why. She repeatedly stated it is flagged I repeatedly explain to her that does not means it is closed but flagged. Flagged on account does not mean it is close, I need the account closed. I explained to her I know what closed and flagged means because I work in Risk and Compliance flagged is a warning stating something is wrong it does not mean something is closed. If the account was closed, I would not have received another email from Capital One. XXXX put me on hold and then transfer to XXXX at XXXX. I have had useless conversations today ( XXXX, XX/XX/2023 ) with both XXXX and XXXX. I explained to XXXX that I did NOT, have NOT, nor I have authorized any accounts with Capital One. I am NOT interested in having an account open with Capital One. My identity has been comprised from my initial conversation on XX/XX/XXXX to discovering this account was open I want this account close. Which I explain to them that they are jeopardizing my identity that Capital One remains to have this account open. XXXX had the nerve to stated I need to fax or mail a signature of application. I explain to her what I am not going to do is send you any information on an unauthorize account that I do not want nor am not interesting in having with Capital One. This seems to be a similar situation as XXXX XXXX opening up unauthorize checking account on several consumers.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A