Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I pulled my credit report and noticed some inquires that I did not authorize. On my XXXX report, there were the following inquiries that I did not authorize XXXX XXXX XXXX, and capital one auto finance. This showed it was done on XX/XX/2023. On my XXXX report, I show the following inquiries ; XXXX XXXX, capital one, XXXX XXXX, XXXX XXXX again, and XXXX XXXX on XX/XX/2023. I did not authorize these. On my XXXX report, I show the following inquires were done on XX/XX/2023 that I did not authorize : capital one, XXXX XXXX XXXX XXXX XXXX, and XXXX.
Company Response:
State: LA
Zip: 70501
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I have credit card with Capital one Bank that's why plan to open checking account- XXXX and Rep ID XXXX today XX/XX/2023 No explanation- seems like they run the whole financial sector.
Company Response:
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX is trying to collect on an amount that is not true and accurate. XXXX reference number XXXX states the amount owed it XXXX but the account was charged off at {$2600.00}. and XXXX XXXX XXXX they say amount due is XXXX but the account was charged off at {$130.00}.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have 19 inquiries from capital one n Ive never applied for any credit card from them Im a identify theft victim n its hurting my credit with hard inquiries
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In XXXX, XXXX and XX/XX/2021 I became extremely XXXX with XXXX. I was hospitalized in later XXXX to early XXXX, then on XXXX XXXX, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX for my XXXX because I am XXXX. In XXXX I had a relaps and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: This account has been closed since XXXX. But for some reason the Repo guys keeps showing up to steal my car. I have a video from XX/XX/ at XXXX XXXX where The repo guy was stealing my car and when he was approached he sped away and my car fell off his hitch and flew into my neighbor 's front yard hitting a tree and injurying me
Company Response:
State: NJ
Zip: 08050
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Capital One Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The XXXX makes the following findings : ( XXXX ) the banking system is dependent upon fair and accurate credit!! Even the XXXX collector is reporting inaccurate information on my profile!! Capital One never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( XXXX ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!
Company Response:
State: FL
Zip: 33573
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Capitalone Spark Business XXXX, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I contacted Walmart Capital One and asked for temporary assistance with my bill. I have never been late once and since the account was opened years ago. I had a medical problem went into the hospital ( have proof Drs note hospital etc. ) I missed one payment and I called as soon as I got out of the hospital with my mother as I was still weak and needed her help. We were told there was nothing I was eligible and had to make the minimum payment off {$490.00} by the next due date XX/XX/23. I was shocked and hurt t the same time and stated I would be filing a complaint to let someone in Corporate know what was going on if they did not know. And to let other consumers know that after missing one payment Capital One would not work with me or credit any late fees. This is truly a punch in the gut to me because I am still not back to work and I can not believe Capital One Walmart has no option to help me on a temporary level. I would like to speak to someone at the Corporate level regarding my concern as this could happen to anyone if they are not rich and get hospitalized.
Company Response:
State: NJ
Zip: 08302
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A