Date Received: 2023-10-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit bureau act this creditor has 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 that a consumer reporting agency can not furnishing account without my written instructions under 15 USC 166B a creditor may not treat a payment on a credit card account under open Consumer credit plan as late for any purpose
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was called from the Capital One fraud department on Saturday XXXX saying that someone was opening a credit card/account in my name. I told them it was not me, and they closed the application stating as 'fraudulent '. On the same day XXXX XXXX XXXX, I placed a 1-year fraud alert on my credit report through XXXX. When I saw my credit report I noticed that on XXXX a company known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) did a 'CONSUMER REPORT VIEWS/SOFT INQUIRIES '. I do not recognize XXXX XXXX XXXX. I believe this is fraud.
Company Response:
State: MA
Zip: 02453
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XXXX I ordered 2 cases of iced tea from XXXX XXXX XXXX in the amount of {$65.00} on Capital One credit card. I never received the iced tea order. I tried to reach out to XXXX XXXX multiple times inquiring about my order and its status. XX/XX/XXXX and XXXX ( via XXXX & email ) I never got a response. So I filed a dispute with Capital One who temporarily gave me a credit for the charged amount. Yesterday I received a letter from Capital One ( XX/XX/14 ) saying they sided with the merchant because they provided proof that I received the order. I called Capital One today to ask them to provide what proof the company gave them of this, and they weren't able to provide any proof that it was shipped to me. XXXX XXXX is no longer in business which probably explains why I never got my order. XXXX XXXX XXXX ( link is no longer working ). Other customers are complaining of unfilled orders as well on their XXXX Page ( XXXX : XXXX )
Company Response:
State: WA
Zip: 98029
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: this account is part of idenity theft and is not mine, per 15 usc 1681c-2 block of infromation resulting from identity theft, and 15 usc 6802 obligations with respect to personal information
Company Response:
State: KY
Zip: 42001
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 usc 1681 section 602 : I have the right to privacy. 15 usc 1681 section 604a section : Consumer reporting agency can not furnish an account without my written instructions. 15 usc 1666 ( b ) : 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: IL
Zip: 60656
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Hello, We were extremely dissatisfied with one particular merchant 's services and felt like the card charge was not fair. With spoke to Capital One on XX/XX/XXXX and twice on XX/XX/XXXX and submitted the needed 19 page document several times by fax. We spoke again to supervisor XXXX XXXX XXXX XXXX XX/XX/XXXX who informed us that the case was closed, because " there was no enough information '' by XX/XX/XXXX- a letter that was not received by us. The supervisor mentioned that the reason the 19 page form was not accepted could have been due to electronic vs hand written signature. We called Capital One again to follow up on XX/XX/XXXX and the dispute team responded " There is no rights for us to continuing the dispute with the grounds submitted '' - XXXX XXXX XXXX XXXX XX/XX/XXXX, no letters ( by email or by paper ) were provided.
Company Response:
State: CA
Zip: 90274
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I called Capital one to cancel my Capital One Venture XXXX card. There was a {$390.00} annual fee that was charged on XX/XX/XXXX which I was told will be refunded back to me as it was within 30 day limit when fees was charged. I paid in full on XX/XX/XXXX amount of {$420.00}, cancelled the autopay and did redemption of reward point of {$3.00}. Customer service representative went through multiple disclosures to close the account at the time and I was told that check of {$3.00} + annual membership of {$390.00} will be sent to me. I checked my account on XX/XX/XXXX and noticed that account was not closed. I immediately called customer service who told me that the person on that day didn't close the account and there is no way they would refund {$390.00} annual fees that I was promised. I spoke to supervisor which was not helpful. I asked to file a complaint and I was told that they would do it internally and there would not be any communication to me regarding this and also was told that her supervisors do not take any complaints via phone call or email.
Company Response:
State: IN
Zip: 47150
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Around the date of XX/XX/2023, I mailed off a Pre-Arbitration Demand for Settlement Offer letter because the debt collector XXXX XXXX XXXX, XXXX sent me an untimely letter in connection with me filing a complaint against them initially. They ignored it. They sent in an untimely response through the CFPB back in XX/XX/2023 after I sent them a debt validation letter and after their 30 days demanded that they delete the account for failure to validate the debt. It wasn't until I submitted a complaint with the CFPB when they decided to respond which is a violation of the FDCPA for failing to validate the date in compliance with the law. Since there was no enforcement, they continued to report the debt on my credit report. I then eventually received a letter from them in the mail with a model form b1 form that was not in compliance with 12 CFR 1006.34c Regulation F. I received a letter with a balance and statements attached that shows an alleged debt, but still not validating the debt in compliance with the FDCPA. Upon reading the letter I noticed a few FDCPA violations including : 15 USC 1692f ( 8 ) for having symbols and names that indicate the collection of a debt, 15 USC 1692e ( a ) a balance that is alleged and not proven to belong to me, 15 USC 1692b ( 5 ) because my wife received the mail instead of me, and 15 USC 1692c ( a ) ( 1 ) because the time I received the letter was not an appropriate time which caused distress in my between my wife and I, and 15 USC 1692d ( 2 ) because they gave me a disclosure telling me that they were not attempting to collect a debt when in fact they were. They lied which also constitutes fraud and 15 USC 1692 1692j ( a ) for the furnishing of deceptive forms. I want the account deleted from all CRAs. They have performed unfair debt collection practices, and I am also seeking remedy for the distress and hardship they put me and my family through due to their lack of compliance and remedy for report the account on my credit report inaccurately ( 15 USC 1681s-2 ).
Company Response:
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ! account number XXXX! Subject : Dispute of Fraudulent Credit Card Account Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute a fraudulent credit card account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. The details of this fraudulent account are as follows : CREDIT CARD! ! Date Updated XX/XX/XXXXXXXX Last Payment Made XX/XX/XXXXXXXX Date Closed XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Name : XXXX Date of First Delinquency : XX/XX/XXXX I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me.
Company Response:
State: OH
Zip: 44137
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Today I was one the phone with a Mortgage Broker to get pre-approved for a home loan. My credit score was lower than expected and she said advised that this was due to a Kohls Capital One Credit Card taken out in my name, immediately maxed out, and never paid. This apparently happened in 2017. I have never shopped at Kohls nor I have ever had a store credit card. For the last 5 years this was dinged my credit score each month and i had no idea. How do we resolve this situation and repair my credit card ASAP. This is not fair and something that needs to be fixed. Thank you, XXXX XXXX. XXXX XXXX
Company Response:
State: CT
Zip: 06405
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A