Date Received: 2023-10-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Violation of Title 15 Adverse Action : Denial of My Right to Credit I, the consumer and natural person, was denied a credit increase by Capital One when I applied for the XXXX XXXX XXXX XXXX XXXX Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692K. Capital One is subject to criminal liability for violating 15 USC 1691 as I have proof I was discriminated against by Capital One due to the response I received. ( Please see denial letter ). Capital One is in direct violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was NOT issued. Furthermore, my social security number ( as known as MY credit card ) was used and I received NO benefit. This is further proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One. If Capital One fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will make Capital One criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ).
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company has charged off on account. Income IRS, XXXX etc states income isnt included on a credit report. Charge offs are taxable which means its income. I have not received a 1099 from company and will be reporting that to the irs.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: The vehicle in question was purchase in XXXXXX/XX/2016 I was not in the country because left to work overseas inXX/XX/2016. I submitted the police report and a signed affidavit to complete the investigation. This loan was obtained fraudulently,
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I reviewed my credit report and found accounts that are not mine. I also found inquiries that were not made from myself. I have attached the report I made with identity theft.gov. This report goes more into detail of what I am reporting.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Capitol one denied me credit based on credit report from one or more agencies number of bank cards in last XXXX months
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Well, I have applied for a credit card with Capital One and they denied me an extension of my own, personal open-end consumer credit plan, with no explanation, it appears to be a breach or discrimination on their end. I filled out the application entirely and in good faith. Adverse action against a consumer is against the public statutory and regulatory codes, according to EQUAL OPPORTUNITY TO CREDIT ACT, which could be found in 15 USC 1691c, and the actions are civilly liable, pursuant to 15 USC 1692k. Capital One is subject to criminal liability for discrimination for violating 15 USC 1691, which is evidenced via the response to my application for a credit card. Capital One is in violation of 15 USC 1642 and 1681m as well as 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, Capital One required my social security number/credit card number and used it to deceptively deny me an extension of my own open-end credit plan, and i never did receive any benefit, which is two-fold an UNAUTHORIZED USE OF A CREDIT CARD and proof of fraudulent activity on behalf of Capital One. Capital One stated that the reason for denial of credit is because i don't use enough credit or have credit files and also claim in their discriminatory ADVERSE ACTION letter that " one or more of the companies on the back of this letter '' gave them the information and when i checked the back of their letter, zero companies were namef on there. The only thing on the back of the letter is a paragraph from the EQUAL OPPORTUNITY TO CREDIT ACT, Ironically, so i know they are aware of my rights and and choose to willfully and intentionally denying me credit from my own estate. Furthermore, immediately after the denial, i received notification that CREDIT ONE ran my credit because of the multiple hard inquiries that proves IDENTITY THEFT AND FRAUD because they got XXXX and I received no benefit. That's unauthorized use of a credit card, and that reminds me of how crackheads behave towards other people, again ironic. This is identity theft and racketeering and civil conspiracy, as far i can tell. Securities frauds and embezzlement and unjust enrichment and i can list more CRIMINAL ACTIONS by credit reporting agencies and financial institutions and I'll file individual complaints for that too. If Capital One fails to reasonably attempt to resolve these matters, civil and criminal remedies, which are to be construed LIBERALLY, as per the XXXX, will naturally be the next plan of recourse, as it is only necessary and proper to justly compensate anyone for damages caused when any person acts in dishonor. When attempting to call Capital One, they make you listen to prompts to literally nowhere for 20 minutes and after those twenty minutes and twenty messages assigning banking topics to dial pad digits, you get to XXXX and XXXX, who are not XXXX and therefore lying about their identity too and thereby is not properly equipped to grasp the nature of my complaint. Or, I actually suspect theyre AI. So I decided that this should work just fine as notice.
Company Response:
State: MO
Zip: 64151
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are hard inquiries on my credit for 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 XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries they are all in the same year and less then XXXX to XXXX months apart which does not make sense. Also I have hard inquiries for CAPITAL ONE ( Bank ) XXXX XXXX, XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX CAPITAL ONE ( Bank ) XXXX XXXX, XXXX same activity same year months apart that I did not authorize and would like to have them removed/delete from my credit report immediately.
Company Response:
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had fraud in my account, I submitted a fraud investigation via Capital One. Capital one made the decision to freeze and close my accounts and will not give me access to the funds in my acct despite telling me I could go to the branch and get it. I left work early and drove an hour to the branch and was refused access to my funds.
Company Response:
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2023 XXXX lied and stated the following were not be reported on my credit report. CAPITAL ONE XXXX XXXXXXXX XXXX XXXX CAPITAL ONE AND XXXX were both sent cease and desist letters which ceasing of all communication including ceasing of collections of debts. Proof that XXXX is in violation as well as CAPITAL ONE and XXXX XXXXXXXX XXXX. This is FINAL NOTICE to remove stated accounts IMMEDIATELY! If not removed I will proceed with civil action as the same violations keep occurring. Companies will be held liable for all damages that have occurred from their failure to adhere to the law and my rights!
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A