Date Received: 2023-10-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: There were two of my accounts involved on my same Capital One 360 Checking Account ending in XXXX. I was pretty stressed when both of these vendors charged my account After I cancelled. Today, XX/XX/2023, I cantacted my bank, Capital One 360 after I noticed that both companies had charged my account. It was also very stressful because I had to give my information three separate times because I was transferred to three different departments. When I inquired why I wasn't transferred to the right department the first time, there was no response. I needed to get the unauthorized transactions credited asap because they had plunged my account into the negative. I had to repeat the issues to all three departments because no one brought over the information. That being said, in the last department, I ended up speaking to XXXX. I kept telling her I needed to get this taken care of right away as I have serious health issue and was waiting for a call back from my doctor. I still ended up on this call at least 45 minutes which was really frustrating. On my XXXX XXXX XXXXXXXX I needed a credit back of {$14.00} which appeared on XX/XX/2023 and I asked to do a stop payment so this could not occur again.I also asked for a credit on XXXX XXXX XXXX which appeared on XX/XX/2023. I asked that a stop payment be placed on this account also. XXXX became argumentative with me and kept repeating the dialogue that it could take up to 10 days. I kept telling her that would not work because my account was in the negative and I am going thru enough trying to make ends meet since I am a XXXX XXXX XXXX XXXX I told her I heard whaat she said the first time, but XXXX kept repeating the same information to me again and again when she knew I had to speak to my doctor right away.. Then she told me she could not put a stop payment on the XXXX because it wasn't recurring. I have a membership which is veerified on the attached but she kept insisting nothing could be done.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received two hard inquiries from Capital One... one was XX/XX/XXXX the other XX/XX/XXXX ... .I wish to have the XX/XX/2023 inquiry to be deleted..Thank you
Company Response:
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair credit reporting act this creditor has violated my rights. Under 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 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: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 1. XXXX XXXX XXXX XXXX the debt collector is XXXX, states it was opened XX/XX/XXXX in the amount of {$1900.00}. I never opened an account with them. I was not even living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal. 2. XXXX XXXX XXXX XXXX the debt collector is XXXX, states it was opened XX/XX/XXXX in the amount of {$1800.00}. I never opened an account with them. I was not living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal.
Company Response:
State: CA
Zip: 95207
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to CAPITAL ONE AUTO FINANCE. In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. Thank you for your cooperation and timely attention to this matter.
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: To whom this may concern : This credit card company sold this account to credit control a debt collection company. I made 2 payments to them in the amount of {$170.00} on XX/XX/XXXX, they are still reporting to the credit bureau XXXX as being late every month when this account has been Charged-off and account Closed since XXXX. I've disputed this account several times not getting any positive results. creditor : Kohls/Capital One XXXX box XXXX XXXX, WI XXXX XXXX Thank you XXXX XXXX
Company Response:
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Capital One has access to my reports without authorization. Theyte updating fraudulently with information that's not accurate and it's effecting my score by dropping over XXXX points. The contact information they have on me is inaccurate and the account where payments were made is closed. My correct phone number is ( XXXX ) XXXX. Email : XXXX Mailing : XXXX XXXX XXXX XXXX XXXX Thanks
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: When I log onto my account it says XXXX is available balance. But funds are currently not available for withdraw please call XXXX When you call that number it sends you to Capital ones costumer voicemail and you leave your info, I have been calling this number since XXXX, I need to get my money, if they have closed my account they need XXXX me a check for my account balance, which I want to close my account because I don't care what they say they have been holding money that is mine that I worked for and I have t been able to even talk to a person to get it, I have bills that are due and them doing that put me behind. It has been 4 months and still nothing and no call back no access to my money I have called the number every other day since XXXX left voice mails no response I really need myoney from them.
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
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 reporting of incorrect information is very damaging to me and will not be tolerated. I am fully prepared to take legal action against the responsible party. I do not want to file suit against your company if it is not warranted. Please furnish me with written confirmation that you have or have not been contacted by the creditor regarding the above account number. If you have not I will focus my attention on the creditor instead of your company. If you do not respond, I will assume that you did provide the inaccurate information and I will be forced to follow through with filing a lawsuit against your company. As I stated before, I am quite sure that you have not been contacted considering the nature and circumstances of this dispute, but I do request to see that in writing. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. CAPITAL ONE XXXX.
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
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. These items are not correct and are causing me financial and emotional distress because of their Inaccurate information. The following items must be updated accordingly : 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.
Company Response:
State: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A