Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: CAPITAL ONE XXXX XXXX XX/XX/2023 payments are marked as late XXXX XXXXXX/XX/2023 payment is marked as late
Company Response:
State: GA
Zip: 30021
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: After a BRUTAL divorce after turning in my husband for committing CRIMES against ME and MY daughters using my financial information, I found myself in the position to have to get secured cards to rebuild my finances and life. I got a secured Capital one card ( {$1000.00} ) and I have a capital one Neiman Marcus card that is unsecured ( {$3000.00} ). After obtain the accounts I was unable to see them online due to a credit card my ex-husband had fraudulently opened in my name that is also in my divorce decree and criminal proceedings as not mine. Regardless, capital one found it difficult to provide me an online profile to observe, pay and monitor my accounts. They put in a ticket and I waited. months later I spent XXXX hrs trying to get that rectified. I even FLEW at my expense to XXXX ( the closest branch ) to fix it and even opened up a checking account to push forward their correction on their digital profile of me on the back end. The bank and credit card are seperate entities. I spent hours on the phone with the credit card division and they assured me it would be fixed. I decided rather than HARM myself with closing my cards I would just have to make sure to phone in payments when I used them, which i did. In XXXX I used my Neiman Marcus UNSECURED card so I phoned to make payment on my account. My balance went to XXXX, though during the time of paying that card the phone automated system told me I had a small balance on my secured card which i assumed was mine or didn't pay attention to what it was- I paid that too. I pay my bills always. In the wake of a grueling divorce, during which I reported my former spouse for illegal activities committed against me and our children using my financial credentials, I was compelled to secure credit cards to rebuild my financial stability. I acquired a secured Capital One card with a limit of {$1000.00} and an unsecured Capital One Neiman Marcus card with a limit of {$3000.00}. However, due to a credit card fraudulently opened by my ex-spouse under my name- a matter addressed in both my divorce decree and criminal proceedings - I was unable to access these accounts online. Despite this, Capital One struggled to provide me with an online profile to manage my accounts. After months of waiting and numerous attempts to rectify the issue, including a personal trip to XXXX XXXX XXXX at my own expense and opening a checking account to expedite their correction of their digital profile of me, the problem persisted. Rather than jeopardize my credit score by closing my cards, I opted to make payments via phone. In XXXX I used my Neiman Marcus card and subsequently made a payment over the phone, bringing my balance to XXXX. During this process, the automated system informed me of a small balance on another card, which I also paid, assuming it was legitimate. It could have been my daughter 's too so I paid it. Recently, I received a call from Capital One alleging missed payments on my secured card - a card I no longer possessed due to a XXXX balance. I promptly filed a dispute. Today, while finalizing my mortgage paperwork, I discovered an alert regarding a severe delinquency in my payments, an impossibility given my practice of paying my bills in full to avoid interest. Upon investigation, I found the delinquency originated from Capital One. I contacted Capital One and was informed by their representative that I must make a payment while they investigate. I contested this, explaining that making a payment on a fraudulent charge would imply acceptance of the charge, and urged them to correct the delinquency report. I was then informed that the charges were deemed valid because I had unknowingly paid a fraudulent charge on the secured card while making a payment on my unsecured card. Furthermore, an additional charge of {$64.00} from the same fraudulent company was recently posted to my account, despite Capital Ones knowledge that I do not possess a credit card. They have yet to issue a new card following my fraud report, yet continue to hold me accountable for the fraudulent charges, knowing full well that I can not access my accounts and do not receive paper statements. The representative insisted that it is my responsibility to review the statements, despite my lack of access and the fact that I was informed in XXXX that requesting paper statements would incur a {$12.00} charge. Consequently, due to less than {$100.00} of fraudulent charges, Capital One has severely damaged my credit profile and refuses to rectify the situation, all because I unknowingly paid a fraudulent charge while attempting to responsibly manage my finances. This has resulted in the unwarranted destruction of my credit. This is a clear violation of my rights as a consumer and I demand immediate rectification. I have always been diligent in managing my finances and this incident has caused me undue stress and harm. I trust that Capital One will take immediate action to resolve this matter.
Company Response:
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
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 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: TX
Zip: 75126
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I opened a Kohls credit card in store. The Kohls credit card was stolen before it arrived. Someone used the card to make a purchase. Kohl 's security immediately called me and said they suspected the card had been used fraudulently. They indicated that someone had used the card and had tried to change the associated contact information. They told me they had canceled the online transaction and that the other transaction would be marked as fraud. I then immediately canceled the card. I never actually received the card, and thus was never able to use it. Only one purchase was legitimately made which was in the store at time of opening, and the card was immediately paid off in the store. Kohl 's collections started contacting me regarding the fraudulent purchases. Each time they have indicated that they had called me by mistake and that it had been marked as fraud. I get calls almost daily. When I answer, they indicate to me the same thing each time. I have now started receiving emails with the balance saying pending. I have attached police reports from XXXX, California and XXXX XXXX, California. I'm waiting for the police report from XXXX, California.
Company Response:
State: CA
Zip: 95126
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XXXX XXXX They closed the account and reported that I paid late. If you see the screen shot I have paid them the majority of the time the account was open on time.
Company Response:
State: GA
Zip: 30318
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Someone sent money to this checking through XXXX accidently. I reached out to the bank because I don't have access to this account because it is locked letting them know this person sent this money in error and I wanted to not except the XXXX or have it returned. They told me I could do it from the account, but I do not have access to the account since it is locked. I explained to them again this money was not meant for me and the person who sent it is now trying to hold me accountable and still they refused to send the money back or reject the payment. Also, wouldn't give me access to the account so I could return the payment.
Company Response:
State: IL
Zip: 603XX
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: 2023-11-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: An account I do not use was charged an annual fee ( {$39.00} ), and then a missed payment fee ( {$15.00} ) and interest ( {$.00} ). I called to close the account on XX/XX/2023. The account representative read me all of the information about closing the account and confirmed it had been closed. It was clear to me that no payment would be required because there were zero personal charges on the account, only the annual fee and other fees. After hearing confirmation the account had been closed, I considered the matter closed. The account was not closed. And additional fees and interest continue to mount. I was then informed ( today, XX/XX/XXXX ) by one representative that a closed account does not be the account is closed. They acknowledged the closure of my account from the XXXX call. Another representative on another call ( also XX/XX/XXXX ) said of course a closed account means the account is closed. She then put me on hold for XXXX minutes and then hung up. I have called XXXX times over several months to close this account and ask information as to why it can not be closed. It now shows I have a seriously overdue account on my credit report.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The company had a data breech in XXXX and didnt send out emails or mail letters stating there was a class action lawsuit. They should have reached out to me Ive been with this company for years. I am just now hearing about this, its unacceptable.
Company Response:
State: CA
Zip: 91355
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been paying my credit card with my bank debit card that way its paid on time, but Capital One changed to just routing and account number, which took longer to process and made my account have late and overdraft fees.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Repossession
Subissue: Company explaining amount owed
Consumer Complaint: On XX/XX/XXXXXXXX I sent a payment in full using a negotiable instrument ( coupon ) and a conditional acceptance letter ( Reg # XXXX ) to Capital One Auto Finance to payoff the then stated payoff amount for my XXXX XXXX XXXX from my XXXX XXXX XXXX account # XXXX under the corporation known as XXXX XXXX XXXX. They refused to accept my good faith payment but did not return my negotiable instrument ( Coupon ) confirming their conditional acceptance of the payment in full. They sent me a so called " Validation of Debt '', which I did not request at the time and was no more than a list of payments made, and they threatened to accelerate my loan and / or repossess my truck. On XX/XX/XXXXXXXX I sent a Writ in the Nature of Discovery ( see attached ) requesting 12 Documents with all related and associated instruments be provided and arrangements be made to inspect the documents within 21 days of the receipt of the Writ of discovery to determine if proper documentation of the debt had been maintained as required by law. This was ignored constituting an affirmation of disingenuous intent and a violation of the Freedom of Information Act which was a " dishonor '' of the " Notice for demand of Disclosure ''. So on XXXX XXXX XXXX I mailed a Notice of Trespass to Capital One Auto Finance requesting that the debt be cleared and the title be delivered to me as remedy for the harm injury and loss sustained by me due to their breach of conditional acceptance. On XXXX XXXX XXXX I sent a follow up letter to Capital One Auto finance Requesting that they cease and desist all collection activities and send me a statement with a XXXX balance. On XXXX XXXX Capital One Auto Finance stole my truck even though there was a dispute re : the loan and despite the fact that they were in breach of the freedom of information request and the conditional acceptance. This caused me great XXXX and loss of work as well as significant financial hardship as i had to come up with approx. {$3200.00} to get my truck back.
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A