Date Received: 2023-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/ I began noticing fraudulent activity on my Capital One account ending in XXXX. The fraudulent activity was from XXXX XXXX XXXX XXXX XXXX, that had been added to my account without my authorization or consent. I called and tried to resolve the issue but they would not take the fraudulent purchases off my account. Recently, I received a court summons by a debt collection agency called XXXX XXXX XXXX XXXX XXXX for the fraudulent debt that was caused by identity theft.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 there was two unauthorized charges on my account one for XXXX and one for XXXX on XX/XX/2023. I noticed these transactions were not authorized so I contacted my bank to submit a claim today on XX/XX/2023. I received back that my claim was denied. These purchases were not authorized by me so I would like to get this fixed.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have been reaching out to these companys regareting me being a victim of Identity theft and they have not helped me. I have wrote letters regarding these accounts to get removed off my credit report. I have not been able to get any response or help.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: i am writing to request a correction of the following information that appears on my consumer report. i'm a victim of identity theft and i dont recognize one or more of the accounts on my report. my accounts was closed by the bank for reasons i have no idea of and had nothing to do with me
Company Response:
State: NY
Zip: 133XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX inquired XX/XX/XXXX Capital One Auto Finance inquired XX/XX/XXXXXXXX XXXX XXXX ( 2 Times ) inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX inquired XX/XX/XXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX inquired XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXXp inquired XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XXXX I have no Knowledge of these hard inquires and according to 15 U.S.C 168 1c-2 they must be remove...
Company Response:
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am formally complaining against CAPITAL ONE AUTO FINANCE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). I have contacted CAPITAL ONE AUTO FINANCE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that CAPITAL ONE AUTO FINANCE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. Thank You XXXX XXXX
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am formally complaining against CAPITAL ONE BANK I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). I have contacted CAPITAL ONE BANK who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that CAPITAL ONE BANKstand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. Thank You XXXX XXXX
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Capital One Bank closed my deposit credit card on XX/XX/2023 and there is XXXX balance due everything is cleared. Just 2 months ago they suddenly fraudulently sent information to the XXXX credit bureau claiming I owed them {$150.00} which I do NOT even have any Capital One card in hand. I tried to reach out to them several times and customer service told me they did not what was going on about this fraudulent scam and they did NOT care. Please help me to this fraudulent scam report which affects my whole XXXX XXXX and life!
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the FCRA Capital One has violated my rights. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Company Response:
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I notice unauthorized inquires on my credit report that I didn't authorize.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A