Date Received: 2023-10-11
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I applied for credit card for myself and my business. And I was denied credit to the fullest extent of the law. Capital One, has broken the law by committing Wire Fraud! My social security number was used and my credit has been damaged do to my credit scores dropping tremendously. According to the law, Adverse Action 15 USC 1681 ( d ) ( 6 ) - is the law that they need to read. ACCORDING TO THE LAW ... CAPITAL ONE ISN'T ABOVE THE LAW... also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open-ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application. Denying me access to my open-ended is unlawful and goes against congressional law, which makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e . Furthermore, pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open-ended consumer credit constitutes to discrimination. Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. Again, I am requesting a line of credit card of {$3500.00} worth of credit-that I can not be denied, because Capital One operates in COMMERCE, under the United States of America XXXX I have attached links to congressional law for reference. https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX The Consumer Financial Protection Bureau has issued regulations under ECOA XXXX These regulations, known as Regulation B, provide the substantive and procedural framework for fair lending. Because the Department 's authority to prosecute matters extends only to those instances of a pattern or practice of discrimination on a prohibited basis, individuals who believe that they are the victims of unfair discrimination in a credit transaction should contact the appropriate regulatory agency. The agencies and the types of creditors that they regulate for purposes of compliance with ECOA are as follows : Consumer Financial Protection Bureau [ CFPB ] : Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates. Also shares enforcement authority with the Federal Trade Commission over mortgage brokers, mortgage originators, mortgage servicers, lenders offering private educational loans, and payday lenders regardless of size. Comptroller of Currency [ OCC ] : National banks, Federal savings associations and Federal branches/agencies of foreign banks with total assets of under {$10.00} XXXX ( the words " National '' or " Federal '' or the initials " N.A. '' or " F.S.B. '' appear in or after the bank 's name ). Federal Reserve Board [ FRB ] : Financial institutions with total assets of under {$10.00} XXXX that are members of the Federal Reserve System, except national banks and federal branches/agencies of foreign banks. Federal Deposit Insurance Corporation [ FDIC ] : State chartered banks with total assets of under {$10.00} XXXX that are not members of the Federal Reserve System. National Credit Union Association [ NCUA ] : Federal credit unions ( the words " Federal credit union '' appear in the institution 's name ) . Federal Trade Commission [ FTC ] : Retailers , finance companies, creditors that are not exclusively assigned to another agency. 16 CFR 433.2 ( a ) - The right as a debtor to invoke any claim and defense against any seller creditor of goods and services in connection with a consumer credit transaction. 1692 ( a ) - Consumer has a right to privacy 1681 ( b ) - CRAs must follow reasonable procedures. Must be fair and equitable to the consumer. So now my social will be used in trading... Now my credit report is being hit and have taken a drop due to FRAUD. So, I am also putting Capital One on notice for the Attorney General due to fraud, discrimination, wire fraud and all of the above ....
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've contacted all companies and have been constantly ignored about this ongoing fraud activity that's being reported on my credit report. The following items are not mines and I request that XXXX, XXXX XXXX & CAPT/SAKS FIFTH AVEN remove immediately. The following items are fraudgalent and unauthorized. XXXX Creditor XXXX XXXX inquiry date XX/XX/2023 XXXX Creditor CAPT/SAKS FIFTH AVEN inquiry date XX/XX/2023
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/2023 I payed CapitalOne Quicksilver credit card in the amount of {$2500.00} with the understanding that the account would be closed and all information would be corrected on my credit report. 9 MONTHS later its still saying active and past due.
Company Response:
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX XXXX I deposited a check for {$7600.00} into my capital one checking account via their mobile deposit system. At the time of deposit, the information the presented to me was that the funds from check would be available of XX/XX/XXXX. Several hours later, I received an email and was made aware that XXXX of the check would not be available until XX/XX/XXXX. On XX/XX/XXXX, XXXX half of the check was made available in my checking account. Multiple payment were made these cleared funds on XXXX On XX/XX/XXXX I received notice that not only were the availability of the funds delayed to XX/XX/XXXX, but that the funds that were previously cleared and available in my account were going to be clawed back. The latter action resulted in my account being overdrawn by {$1900.00} with additional payments against the funds that had been available still outstanding. The information that led to for this action from Capital One was stated as confidential and could not be provided to me. To my knowledge, there was no information provided by the bank upon which the check was drawn that indicated any risk of the check being returned, not did capital one speak to that bank to assess the availability of the funds. When I spoke with their customer protection department on XXXX that told me that they needed to very the business information and asked me for the phone number of the business that wrote the check. I supplied them with the phone number for business from XXXX XXXX so they could look it up online. While this did satisfy their need to verify the legitimacy of the business, they still would not release the funds, nor restore the funds they withdrew from my account. It should be noted that the business phone number was printed on the check and they could have easily verified the business themselves and the check cleared without issue and was not returned. On XX/XX/XXXX, the funds were made available, but the damage from withdrawing the previously cleared funds from my account had already been done. Payments, ACH transfers, bill payments, rent payments and credit card payments were all returned. While the direct fees incurred from the bank are easy to calculate, the damage to my credit standing and subsequent restrictions put into place after my payments were returned has been palatable. Because of the returned payment, my landlord restricted the use off ACH payments and I was forced to use a debit card which now requires a significant fee for a payment that had been able to be without charge in the past. In addition, I was not able to secure a positive reference from my landlord. My credit card company, which happens to be Capital One, restricted my account to no longer allow for immediate processing and credit availability on my credit card payments. On XXXX as per their emailed notice, I called to request reimbursement for the expenses from their extraordinary actions. When I spoke with customer service, they were unable to assist because they did not have access to the realtime available balance on my account during this time period. According to the bank itself, the funds were made fully available on XX/XX/XXXX but that was not true. I spoke to the customer protection department that was responsible for withdrawing the previously cleared funds from my account on XXXX and was told they had no ability to refund these fees and directed my back to customer service. It was at this point that I determined filling this complaint was the best course of action.
Company Response:
State: NC
Zip: 28211
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have been paying on all of my accounts monthly and my credit score has not moved. XXXX XXXX XXXX has taken my score down because I have reported the unlawful things they have been doing to DIFs.
Company Response:
State: MI
Zip: 49017
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. These companies are blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing the organization to report any accounts on my consumer report therefore, the reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO THESE COMPANIES TO OBTAIN MY PERSONAL INFORMATION. Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received a message that my information was used on a new application to open a Cabelas Capital One Credit Card. I also received an email about the inquiry hitting my credit report with XXXX and XXXX. I have not applied for any credit cards recently.
Company Response:
State: IN
Zip: 46112
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( XXXX ) owed are not accurate for the following items : Party Owed : XXXX XXXX Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account NumberXXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim.
Company Response:
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: was in Kohl 's Store in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] on the XX/XX/XXXX or XX/XX/XXXX when I could not charge the merchandise wanted to purchase because I was over the credit limit. My XXXX Kohl 's statement shows I made a payment of {$250.00} on XX/XX/XXXX. It also shows I purchased {$410.00} the same date XX/XX/XXXX. Impossible-I was in the XXXX XXXX in Pennsylvania. I made the payment on my Debit Card from my hotel room. I wasn't anywhere near the state of Maryland that day, so how could I charge {$410.00} on the same day? The store XXXX took my 'cash ' and it paid off the entire balance on one of the two XXXX dates above. Something is very wrong with this account. I need it investigated from XXXX with everyday looked at. If it shows " NO {$700.00} CASH PAYMENT '' on the account then your store XXXX, who already admitted to me in front of two Kohl 's employee 's on XX/XX/XXXX that he took my cash and applied it to my account. If he did what he admitted too-where 's my money and why was it never applied to the account. The store XXXX went in the office behind customer service that evening to find where I had paid " cash '' on my account. After waiting for an answer for over an hour he promised he would call me that coming Monday. After waiting for over XXXX weeks I again went back to the store and a XXXX XXXX XXXX said he would find it and would also call me. NO CALL EVER CAME! Went back to the store and had a management group assembled at customer service desk and told them all " I SMELL A XXXX '' because no one at Kohl 's can find this transaction. Someone has my money at XXXX!!! {$700.00} just didn't get up and walk out of the store-OR DID IT????
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In XXXX a cousin tried to send me By XXXX {$500.00}, to my Capital One account, and the bank blocked my accounts ( saving and checking ), I called and they unblocked them The same happened again and when I contacted the bank by phone they informed me they decided to close my accounts. They don't give me a reason, and that makes me feel bad because I know that I haven't done anything wrong, that makes me feel like a criminal by preventing me from moving my accounts and even communicating with them ( if I want to follow up on the matter, I have to go personally to the offices because they don't even answer my calls because my accounts have a 'problem ', and I can't do anything through the bank 's app either ). A month ago I went to the offices and the person who assisted me could not give me any more response than that " they were investigating the case '' that they Dont have a time for answer, it has been 2 months and nothing has happened. If they, for whatever reason, do not want me as a client, that is fine, they are within their rights ; but I am within my right to receive the money that belongs to me. What they are doing seems very unfair to me. The representative told me that when I closed the account within 10 business days I would receive a check with the amount in my accounts and it has been 2 months, I have needs to attend to. I hope you can help me.
Company Response:
State: TX
Zip: 75214
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A