Date Received: 2023-10-18
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: i do not know where those inquiries came from.
Company Response:
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My employer has caused a financial hardship from internal errors resulting in my family having to make our payments within 30 days of the due dates and spread those payments out. Since the hardship, I've been making our payments the following month but within the 30 day timeframe. Capital One does NOT display the past due amount or last month 's balance due on their statements or online. Because of that, I have to try and calculate what the prior month 's minimum payment is. I simply pay half of the total balance due as the balance on the statement reflects 2 months payments but does NOT itemize what the prior months balance was. This resulted in my payments being mis-allocated and Capital One did NOT properly communicate to me that they would report my payment 30 days late, due to a past due balance showing {$11.00}. My monthly payment was {$220.00}. Capital One did NOT notify me or communicate properly that I had a past due balance of {$11.00}. If I had known, I would've just paid it. I spoke with a XXXX XXXX XXXX, XXXX XXXX She confirmed on a recorded phone call that it WAS a Capital One error but I would need to go through the dispute process to have it resolved. My wife and I always pay our bills on time but have recently had to resort to the 30 day window. This is a violation of the FCRA.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: A check for {$710.00} was cashed into bank account XXXX on XX/XX/23. The company gave me push back on receiving these funds. They have since then closed the account, because they claimed it went against their policies. I was told that the check for {$710.00} would be refunded back to the issuing bank of the check XXXX. I have contacted XXXX regarding the check and they have stated they did not get the check. I have attached their response to this. If you are unable to return the check to XXXX, I would like the check sent to my mailing address. Otherwise please send check back to XXXX so that I can be rid of this company and their confusing and misleading practices
Company Response:
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XXXX XXXX XXXX CAPITAL ONE XXXX, CAPITAL ONE XXXX, CAP ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXX I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I pulled my credit report while house searching the other day and noticed there is a charge off on my credit from Capital One. I am requesting that this account be removed/deleted from all 3 credit reports. 1 ) I did not receive a 1099 C Form for this debt. Please send the 1099 form and full and complete letter of validation for this debt. 2 ) This account is showing on my credit as a charge off with all 3 Credit Bureaus ( XXXX, XXXX and XXXX. ) and all 3 credit bureaus are reporting differently which is inconsistent & inaccurate and illegal as well as in violation with the FCRA. 3 ) All 3 credit Bureaus are supposed to be 100 % accurate/consistent. 4 ) A charge off is considered income by IRS. Income can not be reported on a consumer report 5 ) Late payments are associated with this account as well as past due amounts which is illegal/inconsistent. 6 ) The last date of activity is different/inaccurate in all 3 bureaus. I have filed a complaint & disputed this with BBB this month and was told by Capital One it had been verified as accurate. That cant be so, as I have looked and found several inconsistencies amongst all 3 bureaus. 8 ) High balances are showing up different on all 3 bureaus which is inconsistent info. Please remove/delete this account from all 3 of my credit reports as it is in violation with FCRA Section 611, 15 USC 1681 S-2 ( a ) ( 1 ) ( a ) Thank you!
Company Response:
State: NC
Zip: 27360
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX ( the transaction didnt show until XX/XX/XXXX ) my wife and I attempted to yse our XXXX reward miles to purchase a flight with XXXX XXXXXXXX to XXXX . This flight is to see the XXXX XXXX XXXX XXXX XXXX who will be XXXX any day now. The capitol one page forced reset the page before we could buy the ticket but our miles disappeared. Weve spend around 4 hours on the phone with Capitol One requesting them to return our miles to us. They said they will do an investigation which could take up to 90 days. Our sister could go into XXXX any day now and we need to buy the ticket now. They have offered no solution to return our stolen miles back to us. We have spoken with XXXX XXXX who say theyve received XXXX payment and contact from capitol one which means this is all an internal system error within Capitol One. We deserve to have our hard earned mileage returned to us immediately so we can travel to see our XXXX XXXX XXXX XXXX. This is unjust.
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
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: I have XXXX late payments being reported by Capital One. They are being reported on a credit card that I had during the covid XXXX pandemic. I have had it paid off in full as of XX/XX/XXXX. I called on XX/XX/XXXX to request some type of action taken to help remove these late payments, due to the fact that I have not had a single late payment, or missed payment on my credit report since this incident. Including on an auto loan that was approved by Capital One Auto Finance on the date of XX/XX/XXXX in the amount of {$28000.00}. I have made every payment on time. Due to the C.A.R.E. act I wanted to have some if not all of these late payments removed from my credit report due to the hardships felt by myself and my family during the pandemic. The women I spoke with over the phone on XX/XX/XXXX told me that there is nothing that she can do for me, because they are not a credit reporting agency. I simply want these off my credit report, because they do not represent my ability to pay my bills on time shown on the entirety of my credit report
Company Response:
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I don't comprehend why I have to repeatedly file complaints regarding an issue that KOHLS/CAPITAL ONE XXXX XXXX XXXXhey would resolve over the phone. During our conversation about this problem, they assured me it would be addressed within 10 days. However, it has now been 65 days, and the issue still adversely affects my credit and hinders my progress in securing a loan. The emotional and physical toll I am experiencing due to this matter is overwhelming. I kindly request that you rectify this situation immediately. I have never been delinquent on this account. If this problem persists, I will have no choice but to consult with a legal representative and pursue compensation for the emotional distress caused by the extreme negligence in handling this matter. KOHLS/CAPITAL ONE XXXX.
Company Response:
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My name is XXXX XXXX. I was looking at my consumer report and I noticed there is one late payment being reported on a capital one card ending in XXXX on my consumer report.
Company Response:
State: CA
Zip: 94044
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: The store is Kohl 's. On XX/XX/XXXX I made a return for the amount of {$160.00}, and made a payment for the amount of {$160.00}. Then I made a purchase on XX/XX/XXXX for the amount of {$100.00}. That leaves a credit of {$56.00} on there XX/XX/XXXX statement. Then I made a purchase on XX/XX/XXXX for the amount of {$61.00}. I used up my credit and owe {$5.00}. When I saw that they billed me {$61.00} on my XXXX XXXX, XXXX statement, i called and spoke with XXXX XXXX case # XXXX ). I spoke with her that I have a credit. She said they can not go back in there system ( XXXX ). I asked her if she would like me to email or fax the statement. She said " no ''. She can not receive faxes nor emails. So then I asked to speak to someone that could go back to XXXX. She said no one is here to help. So I said I will go into the store. Spoke with XXXX ( XXXX ). He said does not have access to my account. I paid the difference of {$5.00} on XXXX XXXX. The billed me again for {$86.00}.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A