Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: With accordance of the fair credit act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit path as late for any purpose.
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Request capital one credit card to be closed immediately
Company Response:
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I pay capital one there XXXX off now there saying I owe XXXX. but not due till XXXX but report me to all XXXX credit B late payment but my payment not do till nov.when I spoken to customers service and supervisors. They see that and refuse to report to the XXXX XXXX XXXX that they made mistake her XXXX not do till XX/XX/XXXX but instead they keep jacking my credit up now with this late payment
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We paid this credit card in full months ago and NEVER used this account AGAIN... the card was stolen, when I noticed it missing, I reported the card stolen and made them aware of the issue and that if any charges occur they will be from theft! They replaced the card, we NEVER activated either new card! And then non stop charges started within a short time and I reported ALL the fraudulent charges! I filled out the forms 2x, written them 3x, and called fraud dept several times disputing ALL charges cause we NEVER used cards after we paid off account! We actually requested account to be closed after it was paid off! Why it wasn't we don't know! We are not paying for fraudulent charges on this account and want it removed from the credit report immediately! This is Capitol Ones mistake and over sight, so they need to correct their mistake!!!
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I have a closed capital one venture account, but recently Ive been receiving about another capital one credit account thats been opened up and is maxed out, thanks to XXXX XXXX So I gave capital one a call about the fraudulent account but apparently they only have records of my closed capital venture account. So I literally cant even get them to deal with this fraud account, even though its tied to my SSN. Please help
Company Response:
State: WA
Zip: 98387
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I got a cash out refinance from a home and paid a few people using XXXX and then wired some money from it as well. They flagged it as suspicious so when I called them to clear it up they determined that the initial money sent to me from the cash out refinance was not legitimate even though I sent them proof of the closing of the loan. They closed my account and now are holding XXXX of mine without any time limit on when theyll release it. In the process of closing this account all my bill payments bounced and all my creditors are coming after me.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Following the FCRA, XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 - section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 15 USC 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: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
Company Response:
State: OH
Zip: 45042
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Got a hard inquiry on my credit report from Capital One. I did not authorize this. I did not apply for anything from Capital One or it's subsidiaries. Called them and apparently i have an account with them and credit of {$2000.00} without my knowledge or consent. They refused to close this account or do anything to repair the problem. I have not required anything from this company and I don't want anything from Capital One other than them removing this hard inquiry and close that account.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-10-27
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. XXXX : XXXX, Capitalone Bank : XXXX, XXXXCapitalone Bank XXXX XXXX, Capitalone bank/business account, 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: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A