Date Received: 2023-11-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have XXXX hard inquiries that were all unauthorized. XXXX XXXX XXXX XXXX : XXXX XXXX Capital One Inquiry : XXXX XXXX Capital One Inquiry : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Capital One Inquiry : XXXX XXXX
Company Response:
State: TX
Zip: 75126
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: 2023-11-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/23 XXXX XXXX XXXX XXXX ( displayed as XXXX ) fraudulently obtained my credit report. I never applied for credit, nor work near or shopping online at any of the stores they service. On XX/XX/23 the same thing happened with Capital One. I first tried disputing the fraudulent inquiries through all 3 credit Bureaus and they never removed the fraudulently obtained or innacurate inquiries. Then, I contacted each company. Capital One has opened a fraud investigation, but has not stopped reporting the inquiry after being notified of the FCRA violation. XXXX XXXX XXXX XXXX does not even provide a phone number with their credit reporting information. I found two number via XXXX and both made it impossible to Report the FCRA violation. I have also provide written notice greater than 10 Days ago.
Company Response:
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I set up an online bill pay thru my checking account with Capital One to a vendor. The money was withdrawn from my account on XX/XX/XXXX, mailed to vendor and cashed by vendor on XX/XX/XXXX. Capital One uses a clearinghouse account for online bill pay with XXXX XXXX XXXXXXXX. Check was then returned to vendor as a bounced check on XX/XX/XXXX. Vendor then wanted repayment from me which I supplied. On XX/XX/XXXX I spoke with XXXX and claim # XXXX was established. XXXX I spoke with XXXX with no resolution. On XX/XX/XXXX I spoke with XXXX who said the check was issued and cashed properly. They denied any issue with a bounced check. On XXXX I spoke with XXXX who reiterated same thing without acknowledging the check bounced. I finally sent an email to XXXX XXXX XXXX of Capital One ( XXXX ). I received a call from an assistant to XXXX XXXX who identified himself as XXXX and his phone number is XXXX code XXXX. He finally explained to me the reason for the bounce to the vendor is that the vendor cashed the check twice. I asked for any proof of this and he was unable to provide. I spoke with the vendor and they do not show any attempt at depositing the check twice.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Repossession
Subissue: Account reinstatement or redemption after repossession
Consumer Complaint: Account was assigned to repo. I called to set up payment plan. Been making payments for months. And they took my car this morning XX/XX/. Ran my credit and it says the car account was repossessed and closed in XXXX.
Company Response:
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Do not recognize inquires on my credit report called all three bureaus no help XXXX inquiry date XXXX XXXX XXXX XXXX
Company Response:
State: KY
Zip: 40299
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This statement addresses credit card disputes regarding Capital One XXXX XXXX XXXX. This account was established in 2009 in good standing for 14 years. In the past couple of months, fraud was reported and the account closed out. I have disputed this cancellation and re-application process both online and multiple calls to your customer service department. I have re-applied for XXXX XXXX XXXX but am repeatedly denied for an existing XXXX account, fraudulent application, and information provided does not match credit bureaus. I purchase from XXXX department store frequently, pay credit card on time each month, and was a XXXX Most Valued Customer for many years.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have several inquiries on my credict report that was not made by me. Because of this its really affecting my overall credict report
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have several inquiries on my credict report that was not submitted by me and because of this its affecting my credit score!!
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
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: A fraudulent charge for {$200.00} was charged to my Capital One credit card on XXXX XXXX XXXX. My husband ( accountholder ) called to report it and cancel the card that day. The charge was removed, then placed back on the account the next day. I received a letter stating it was because " insufficient evidence of fraud ''. Since the XXXX of XXXX I have called Captial One XXXX times to reopen this investigation and provide information. Each time I call I am given different information on the evidence I need to provide, the process, and the timeline. They were not able to help me on the XXXX ( XXXX calls ) because they could not find my information. On XXXX XXXX, I was told I needed just a police report number to reopen the investigation. I filed a police report and on XXXX XXXX, was given the police report number I needed from the XXXX Police Department. I called on XXXX XXXX with this information. I was then told I needed several pieces of information ( after being on the call for XXXX minutes ). I called the detective and retrieved the information. He stated Capital One usually calls him to verify. Then called Capital One back with my information. I was then told I needed to submit a copy of the police report ( new information ). I explained that police report in Hawaii are not given out until an investigation is closed and only given out in-person, not electronic. The fraud XXXX stated he would note that and I should hear back in XXXX business days. My latest calls, XXXX XXXX - XXXX business days later, I was hung up on ( after XXXX minutes ) by the first fraud XXXX I spoke to. The second fraud XXXX actually called the detective and police station. When I asked why this was not done on XXXX XXXX, she had no answer. I asked her to provide me with evidence that Captial One is doing it's due diligence in investigating my case. She said not only could she not provide me with any information ( all internal ) but she ( or another Capital One representative ) also would not contact me if there were any questions or resolution on the investigation as they " have no way to communicate with the cardholder externally ''. Capital One is not doing its due diligence nor following it's own procedures in this case. On it's website, Captial One states " The letter we send you should provide information on what steps are still available to you if you're dissatisfied with the dispute resolution. The letter will list the additional documentation youll need to continue your dispute and how to submit that documentation to us via fax, mail or a secure link. '' No additional information was sent in the letter other than " insufficient evidence of fraud ''. I understand they have 90 days to resolve this dispute, but I am concerned that they are purposefully trying to make this process difficult ( no information in letters, hanging up on me, not finding me in the system, and refusing to communicate information ) in order to profit off my fraudulent situation.
Company Response:
State: HI
Zip: 96818
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: CAPITAL ONE BANK USA XXXX Capital One XXXX XXXX, VA XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do not recall authorizing all these inquiries.
Company Response:
State: FL
Zip: 33556
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A