Date Received: 2023-11-09
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Capital One finance has on my credit report a repossession when I have my title and receipt of full payment of the car
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account has violated my rights 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 a 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 purpose
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Capital One Representative and whom it may concern, This is unacceptable. I am writing to you as an account holder with your institution to formally lodge a credit card dispute and raise substantial legal concerns pertaining to my interactions with your company and certain credit card and loan companies associated with your institution. I assert that these issues have led to undue distress and financial hardships, and I am seeking your immediate assistance in resolving this matter. I. **Harassment by Debt Collectors and Employees : ** I have been persistently subjected to harassment by debt collectors representing your institution and associated credit card and loan companies. Their relentless and intrusive collection efforts have resulted in severe emotional distress. II. **Financial Stress and Lost Opportunities : ** The rigorous pursuit of debt collection and associated financial burdens have caused significant financial stress, impeding opportunities for financial growth and recovery. III. **Utility Companies Charging Higher Security Deposits : ** As a direct consequence of the impairment of my credit profile, which is attributable to actions taken by your institution and associated entities, I have been compelled to provide higher security deposits to utility providers, adding to my financial strain. IV. **Impact on Employment and Earning Potential : ** My credit-related issues have adversely affected my employability, hindering my capacity to generate income and address the outstanding debts, thereby obstructing my path to financial rehabilitation. V. **Increased Interest Rates : ** The degradation of my credit profile has resulted in inflated interest rates, amplifying the cost of outstanding debts and exacerbating my financial challenges. VI. **Loan Approvals and Risk of Homelessness : ** The compromised state of my credit has made loan approvals nearly unattainable, placing me at imminent risk of homelessness due to potential difficulties in securing housing. VII. **Potential Violations of Consumer Protection Laws : ** I firmly believe that your institution, along with the associated credit card and loan companies, may be in violation of several critical consumer protection laws, including, but not limited to, the following : a. Fair Debt Collection Practices Act ( FDCPA ) b. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) c. Deceptive Advertising and Predatory Lending Practices d. Telephone Consumer Protection Act ( TCPA ) e. Fair Credit Reporting Act ( FCRA ) In light of these concerns, I have sought legal counsel and conducted a thorough review of my situation. It is my firm belief that your institution, in conjunction with associated entities, may be acting in contravention of the aforementioned laws, and I am prepared to pursue legal remedies as required. VIII. **Emotional Distress and Health Impact : ** The financial challenges and unceasing collection efforts have taken a significant toll on my emotional well-being, Im in the process of obtaining official written documentation from my healthcare provider confirming the detrimental effects on my health. I formally request your immediate attention and involvement in investigating these matters and providing a comprehensive resolution. I am committed to achieving an equitable and lawful resolution to these issues with your prompt intervention. Thank you for your immediate attention to this matter. Sincerely, account holder
Company Response:
State: AZ
Zip: 85206
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I need to removed some late payment In accordance to the fair credit reporting act, this creditor has violated my right under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 section 2, its also state a customer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat payment on a credit card account under an open end customer credit plan up late fee any purpose
Company Response:
State: WA
Zip: 98012
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account : Capital one acct # XXXX Capital One acct # XXXX Capital one acct # XXXX Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
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 u.s.c 1681 section 602 states that I Have the right to privacy. 15 u.s.c 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under15 section u.s.c 1666b a creditor may not treat a payment under a credit card account under an open-end consumer credit plan as late for any purpose. XXXX XXXX XXXX also has not addressed my complaint about an overzealous repo man who reported to XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX he proceeded to bang on and try to break open the garage door in an attempt to repossess. my XXXX XXXX XXXX he banged on the door of the residence and also banged on the garage door.
Company Response:
State: NY
Zip: 12047
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I could not log in to my account and I tried resetting my password and putting in my social security as a forgot my password recovery but once I inserted my social it gave me an error and it could not let me log in for months.
Company Response:
State: CA
Zip: 90260
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Please see attached pdf files! Respectfully, I am writing to dispute XXXX hard inquiries on my credit report that were made by your institution in connection with XXXX XXXX XXXX on XX/XX/2023. I believe that the information related to these hard inquiries is incomplete and inaccurate, which is a violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX credit reporting standards. I kindly request that you investigate and rectify this matter promptly by removing these hard inquiries from my credit report. The violations of the FCRA and XXXX XXXX in this case include, but are not limited to : 1. Incomplete and Inaccurate Information : The information related to these hard inquiries is incomplete and inaccurate, directly contravening FCRA requirements for accurate reporting ( 15 U.S.C. 1681e ( b ) ) and XXXX XXXX standards. 2. Unauthorized Access : I have not provided any form of authorization for your company to access my credit report, a violation of Section 1681b ( c ) of the FCRA, which covers transactions not initiated by the consumer and XXXX XXXX standards. 3. Lack of Compliance with Consumer Requests : Despite my previous request in accordance with FCRA Section 1681i ( a ), there has been no response to my request for proof of authorization or the removal of my personal information from your records, as required by XXXX XXXX standards.
Company Response:
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Repossession
Subissue: Voluntary repossession
Consumer Complaint: Vehicle transmission went out & I gave it back to dealership for that reason
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard credit check- inquiry made by Capital One. I did not make this inquiry.
Company Response:
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A