Date Received: 2023-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Its a couple of hard inquiries on my credit report that I had no knowledge of nor signed up for anything so I would like them removed
Company Response:
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XXXX XXXX XXXX someone fraudulently used my personal information to fraudulently open a Capital One credit card account. I contacted Capital One both by phone and in writing. I provided proof I was a victim of identity fraud. Capital One refused to accept my claim of a fraudulently opened account by identity fraud. Later Capital One paid me {$650.00} to settle a class action based on the release of my personal information by Capital One.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A fraudulent account was opened on XX/XX/, by someone fraudulently using my personal information. When I discovered the identity fraud I contacted Capital One in writing to inform Capital One of the issue. Capital One refused to accept my claim of identity fraud even though I provided proof of identity fraud. Capital One, at a later date, sent me a class action settlement check for {$650.00} because they allowed my personal information to be released in a hack of Capital One. They released my information and then refused to accept my claim of identity fraud.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 that states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Capital one breach of data was NOT notified about a settlement class action lawsuit.
Company Response:
State: TX
Zip: 774XX
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: This is my second time writing this agency to Remove these illegally reported late payments from my consumer reports. I have recently obtained a copy of my ( XXXX, XXXX and XXXX ) full credit report, I noticed some late payments posted on my credit report. Account ( XXXX XX/XX/XXXX Late payment date : XXXX, Account # XXXX XX/XX/XXXX Late payment date : XXXX, Account # XXXX / XXXX XXXX XXXX XXXX XXXX Late payment date : XXXX XXXX, XXXX, XXXX Account # XXXX Capital One, Late payment date : XXXX, Account # XXXX CLOSED Date of Capital One XX/XX/XXXX This Capital One account was paid in full, and the account was closed on XXXX XXXX, However, the account posted and reported late payments after the account has closed in the year XXXX which is against the law, and violation of 15USC & my rights as a consumer. Your Company and these agencies are in clear violations of the law. Under 15USC & 1681b ( permission ) permissible purpose of consumer reports, The Law Clearly States : ( b ) In General, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with The Written Instructions of the consumer ( ME ) to whom it relates No One had the rights to pull my information without my written permission 15USC1681b ( 2 ) Did I the consumer give your company written permission or instructions to furnish this on my credit reports? Furthermore, the FRCA 15usC1681 ( 2 ) ( a ) ( i ) exclusions from the consumer report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ) the term " Consumer Report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. A creditor may not treat a payment on a credit card account under an open or consumer credit plan as Late for any purpose. All of the following accounts listed on this letter are all credit card accounts by law and I can prove it by the 15USC1607L 15USC1607L States the term " Credit Card '' means Any card, plate, coupon, book or other obtaining money, property, labor or services on credit. Examples of credit cards according to 15USC1607L are my social security card, driver license card, state I.D card are all forms of credit cards as I used these all to open accounts and obtain credit from these credit card accounts listed above. Unless creditors has adopted reasonable procedure that are designed to ensure that Each ( month ) periodic statement included the information required by section 1637b of this title is Mailed to me and Proof of delivery to the consumer ( Which Never Happened In My Case ) No Later Than 21 Days BEFORE the due date. According to the FCRA 15USC1637b this action ordered by law was never done nor being done up to this day by neither company listed above in this letter. This law is in place for several reasons one being for me the consumer to confirm if the accounts are accurate or was a billing error Before being reported to my credit reports, by not following this law everything reported without written instructions is reported illegally. Due to these late payments being reported without written instructions and these agencies failing to follow the law ; 15USC1637, I demand these late payments be deleted from all my consumer reports, due to the violation of 15USC1637,15USC1681, Fair Debt Collection Practices Act 15USC 1692g, 15USC1666b and for willful noncompliance & 616 Civil liability for willful noncompliance 15usc & 1681n.
Company Response:
State: FL
Zip: 32308
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: Two separate hard inquiries were on my credit report that I do not recognize or apply for any new loans, cards, etc. XXXXXXXX XXXX XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any propose. The dates are as follows XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90046
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below CAPITAL ONE XXXX
Company Response:
State: CA
Zip: 90717
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: It is about the Capital one Credit card. So my statement fee is due on the XXXX of every month. I was trying to pay on XX/XX/2023 and the website would not process the payment. I kept trying throughout the day but it didn't work. In the evening of the same day, it worked and I made the payment of {$590.00} which was my statement balance. I made the payment on the XX/XX/XXXX but it got posted on XX/XX/XXXX as the payment was made after XXXX XXXX Eastern time on XX/XX/2023. Later they charged me with late fee and interest fee. I called them and they said they can only refund my late fee and they can not do anything with the interest charge fee. They keep getting mad if I try to explain my situation and hang up the call. I need to address this because it isn't my fault in any way. I made the payment but the customer service lady gets mad and talks rudely and hangs up my call.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A