Date Received: 2023-11-06
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A credit card was opened in my name sent to my parents house but I did not apply for this card.
Company Response:
State: MI
Zip: 49503
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: 2023-11-06
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 disputed a charge on XX/XX/XXXX for {$200.00}. The merchant did not respond to the dispute within 30 days and Capital One still put the charge back on my card on XX/XX/XXXX. I contacted Capital One on XX/XX/XXXX pointing out their error but Capital One refuses to do anything.
Company Response:
State: NJ
Zip: 08002
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently viewed my credit report, & I saw a recent inquiry which I did not apply for a credit card on XX/XX/2023, through capital one bank
Company Response:
State: MA
Zip: 019XX
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: 2023-11-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom it may concern, According to my most recently credit report, your company is currently reporting to the XXXX credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXX ( XXXX ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. Listed inquiries below : Capital one bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank XXXX XXXX Capital one XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank XXXX XXXX
Company Response:
State: FL
Zip: 33460
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : CAPITAL ONE XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. CAPITAL ONE AUTO FINAN XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Company Response:
State: TX
Zip: 75205
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: I called the Capital One company stating that i was unable to log into my portal due to phone number change. they told me they were unable to do over the phone and could not help me. Stated they would send something in the mail and have not done so. I would like for all delinquency to be removed from my credit report. I stated to them that my phone number had changed and they would not verify. I also uploaded a photo of my id in XX/XX/XXXX via the email from Capital One. I also had stated that my payment had been late before due to XXXX XXXX and bed rest.
Company Response:
State: AL
Zip: 352XX
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 company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. CAPITAL ONE XXXX and CAPITAL ONE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Company Response:
State: CA
Zip: 95746
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed today that there was an hard inquiry on my credit report from Capital One. I have asked XXXX XXXX and XXXX to remove it which they have not as of yet but XXXX has. I did not authorize this inquiry nor will I decide to have a credit care or any line of credit with Capital One. Ive also had to put credit freeze on my accounts with each bureau.
Company Response:
State: GA
Zip: 30127
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: This complaint is a notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX, XXXX and XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. Bureau : XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Bureau : XXXX XXXX Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry
Company Response:
State: FL
Zip: 34744
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: Reporting company used your report improperly
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your comapny notice purasuant t 15 usc 1602 ( k ) that your company never provided an adequate notice which cleary and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement. According to 15 usc 1602 ( k ) the term " adequate notice '' means a printed notice to a cardholder which sets fort the pertinent facts clearly and comspicuously so that a person against whom it is to opperate could reasonably be expeced to have noticec it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement or account, issued to the cardholder, or by any other means reasonably assuring the recipt therof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a volation under 15 usc 1602 ( k ) Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the the transaction therefore made an uniformed decision and it resulted in multiple billing errorsm and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ) the term 'unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I hereby request that you do the below-mentioned things : Enter your request here. DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) Capital One US DEPT ED XXXX XXXX XXXX If you accept my request, I will not escalate this matter to the Federal Court. In case you do not accept the above request, legal action shall be taken against your company for compensatory damages. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX All Rights Reserved Without Prejudice
Company Response:
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A