Date Received: 2023-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX, XXXX XXXX, and Capital One Bank 15 USC 1681 USC section 602 states I have the right to privacy 15 USC 1681, Section 604 a, states that a consumer reporting agency can not furnish an account without written instructions. With all these laws in place for the consumer, they still violate them every day. Enough is enough!
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: One day a guy asked for my info pretending to be a rep attorney for the treasure of the arrest something like that and didnt send info two days later another person is messaging me and its asking for {$50.00} of my money for a gift card its saying that its a lawyer rep for the samthing thing and its threating me with arrest
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
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 booked a trip on XX/XX/22 for the amount of {$4800.00} to XXXX. The trip was scheduled for XXXX. It was cancelled by the travel company, XXXX XXXX, on XX/XX/XXXX via email. They were rescheduling the trip for XXXX for those who could go on those dates. If you could not they would refund your money as per their contract within 90 days. I requested a full refund. There letters and emails said my refund would come XX/XX/XXXX which it did not. I contacted my credit card company and after uploading all of the documents they requested they responded that it was past some 60 day rule without evaluating my dispute. Thank you in advance for your help.
Company Response:
State: NY
Zip: 11731
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Capital one acct # XXXX has failed to validate this account under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.for this account is damaging my credit worthiness
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted Capitol One concerning two ( 2 ) credit cards concerning setting up a payment arrangement due to financial hardship at the time. I had never missed a payment on the two subject cards as well as any other credit card that I have. XX/XX/2023 I received verbal confirmation from a Capitol One employee that both credit cards would be placed on some kind of 60 days payment hold approval- essentially stating that I would not be penalized for not making the required minimum due payments for the two car balances. I asked for reassurance / proof of the arrangements that he just provided. This Capitol One employee stated verbatim that " per the Capitol One 's rules, this confirmation is not physically furnished, there is no such proof that will be emailed, nor mailed, but that the accounts in question themselves will be " noted '' with what was discussed and approved as an " approved payment arrangement deferment ''. I asked the question again, " will a minimum payment be due on this next billing statement, and the response was no. I asked could I make a payment if my financial situation changes during this payment deferment arrangement, and the Capitol One employee stated yes I could and that it will not trigger the arrangement to become null and void. I thanked him for his assistance and the call was ended. 60 days goes by and my personal finances improves gradually/. I commence with paying my monthly credit payment obligations. During the month of XX/XX/2023 I suddenly receive alerts from XXXX XXXX that I have ( 2 ) two Capitol One credit card accounts reporting 60 and 30 day late payments. I immediately contact Capitol One for this error to be corrected and I was informed that verbal request are not allowed. That I must submit in writing a request to have this matter reviewed in order to be corrected. I submitted the details of said conversation of I and Capitol One employee 's discussion and requested that Capitol One immediately rectify the error by changing the publicly posted late payments from all credit reporting agencies to paid as agreed, per the approved verbal arrangement. I received a letter within 30 days stating that the reported information is factual and that no record of " verbal '' deferment could be verified. I immediately contacted Capitol One via phone to again discuss this matter. I intentionally mentioned that every time there is a call to Capitol One, the employee and/or an automated voice states, " This call is being recorded quality assurance and training purposes '' but now there is no recording of this conversation made between I and an employee of there's about a verbal payment deferment plan ''. I asked if there is such a thing as a request for payment deferment arrangement currently with Capitol One. That employee answered yes. Then I questioned how would I be provided proof of the arrangement, and that employee stated that the account would be noted and placed on this arrangement in their company system and that would be the totality of it all. I agreed that this is exactly what I was told by the Capitol One employee back in XX/XX/2023. This matter has cost me higher interest and non-approval for credit access. I would like this matter investigated to the fullest extent of the FCRA and corrected.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently reviewed my consumer reports and noticed that there was 3 late payments listed on my account that I was never late paying. Its the consumer reporting agencies duty to report Information as accurate as possible. I was not late on this account. Account name KOHLS/CAPONE Account number XXXX Account type Charge Card. Please investigate and provide proof with statements showing late payments. If proof can not be provided, please remove the late payments from my report. Thank you.
Company Response:
State: IN
Zip: 46208
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with the Fair Credit Reporting Act Capital One has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 Section 604a also states a consumer reporting agency can not furnish an 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: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have no knowledge of the said. hard inquiries. The hard inqueries are theresult. of identity theft and must but removed no later than 4 business day as per 15 U.S. Code 1681c2 - Block of information resulting from identity theft.
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a credit card from CAPITAL ONE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/. There was an error on their part. I was never 30 days late.
Company Response:
State: NY
Zip: 11414
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a capital one venture x card - the primary rewards feature of transferring points to travel partners like other airlines is completely bugged. It is impossible for me to convert my points into miles, which is a core functionality of the card and the entire purpose customers apply for it. We are asked to authenticate through a text message which is never sent or received. Many customers are experiencing this same issue. I have checked with customer support multiple times and they refuse to fix this issue. It is absolutely unacceptable.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A