Date Received: 2023-10-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I don't recognize the inquiries so I couldn't explain, I just know their causing damages to my credit worthiness
Company Response:
State: AL
Zip: 36303
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XXXX XXXXXX/XX/XXXX, XXXX, approximately around XXXX XXXX, I was notified by text from Capital One through text was I trying to make a purchase at XXXX for an amount over {$1.00}, XXXX dollars. I repied no, and immediately called Capital one. They infomed me that someone was trying to make a puchase at XXXX in my name and card, I asked of them what was the zip code of the location. I narrowed it down to XXXX in XXXX XXXX XXXX in Florida. I immediately called there several times without any response or answer by phone, at the same time this person had call Capital One for approval of purchase on the other end of the phone. Later in the morning around XXXX am, a text were sent to me saying thank you for upgrading my phone number. I immediately logged online to my account and saw the person had placed his phone number as the primary source of contact. I immediately tried to change the number back to my number, but would not allowed me to do so. I at that time also chaned my password to the account. Before this incident, I was informed by XXXX and the the credit bureau that someone had did a hard credit check on my account. I asked who, I was told it was Capital One. I reached out to Capital One and asked why did they do a hard check to my account without my permission and it would lower my credit score. this 2 or 3 days before this incident meaning they authorized and had given this person a credit card. I reached out to Capital One and also asking them for a copy of all documents relating to ths fraudulent transaction. Also please note, before then, about 2 or 3 months back XXXX issue me a new account due to some fraudulent activity. XXXX, XXXX XXXX had to send a scecond card. I immediately start calling all other creditors of possibile identity theft. There was issure with all creditors XXXX, XXXX in which the person upgraded my addred and his phone number on my XXXX account. Also, XXXX XXXX XXXX two accounts was compromise and they were aware of where they had already mailed out XXXX new cards ; XXXX XXXX XXXX, XXXX and also XXXX was informed in which most of the Creditors have already known of the suspicous activity and sent out new cards. XXXX was a closed account but also, notifiying closed accounts as well. Whoever this person is, they seem to have all my information including social security number and more. I explained to the crediors that I needed to place a second and third security code on my account in which it was done. Also, I placed a security code and freezed all accounts with all three credit bureaus
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My XXXX account was closed in XXXX. I have yet to receive any mail or emails explaining why they are ending banking relationship. They are also holding money in my account and refuse to release until the account is closed but from my understanding the account is closed. I have called numerous times and told different things each time. I'm told that there aren't any notes on my account that explains my account closure. I was told that an intetnal review was done but the XXXX did not leave any notes. This is unfair and I am requesting an explanation. It has been XXXX months and I'm still waiting for my money to be released.
Company Response:
State: AZ
Zip: 85027
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX is sending letters that I owe them $ XXXXI have never had an account with this company XXXX XXXX XXXX . I DEMAND IT BE REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Hi, I applied for Capital One Venture X credit card by mid-XX/XX/2023 and I received an email on XX/XX/XXXX to upload my documents by validating my login using my SSN, when I tried logging in with my my SSN it didn't successfully validate it and I tried reaching their Customer service phone even during which my SSN validation was unsuccessful after several minutes a rep answered my phone and told me to mail the documents ( Passport copy and DL copy ) to a po box , which I did by spending almost {$20.00} for mailing cost. On XX/XX/XXXX, I received a confirmation email from Capital One that the document were received and they are processing it. On XX/XX/XXXX, I called Capital One customer service ( with unsuccessful try with my SSN validation over the phone ) and was able to connect with a rep to get a status that they received my documents but no processing has happened at the back-end, which she was going to escalate. After two weeks on XX/XX/XXXX, I called Capital One Venture X credit card customer service to check the status ( again with unsuccessful try with my SSN validation over the phone ) and after 40 mins of wait time a supervisor told me that my documents were not clear for processing, i should mail them again for processing, which really frustrated me for two reasons ; 1. Capital One did not notify me that my documents were not legible and I had to call them. 2. I'm sure, I sent clear documents and why would they not process it. I told them, I can not spend another {$20.00} for mail of documents which am afraid they would again say it wasn't clear and I don't have any option to send fax so I requested that whether I could drop my documents at one of their branches, to which the supervisor said they don't process the documents in a Branch. This was quite wiered response and I felt that Capital One is doing a scam on Credit card application processing with consumers and they are also making the consumers liable with unnecessary credit check hit on SSN ( which they've already did on my SSN back in XX/XX/2023 ). Attached email confirmation from Capital One on my document upload has my application number. Pls contact me for further details and kindly take necessary steps to resolve this issue and save consumers from these kind of scams from Capital One credit card. Thanks, XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- -XXXX XXXX XXXX, on XX/XX/2023 -- -XXXX, on XX/XX/2023 -- -XXXX XXXX, on XX/XX/2023
Company Response:
State: MI
Zip: 48213
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: CAPITAL ONE FINANCIAL CORPORATION XXXX XXXX # XXXX ( sec ) XXXX Capital One XXXX XXXX XXXX Virginia XXXX My XXXX is XXXX XXXX and this XXXX is the most dishonest and incompetent company Ive ever dealt XXXX and I know of every single lawsuit against them and class action and their check cashing ponzi Scheme with the Italian mafia that total XXXX transactions and over a XXXX in fraudulent transactions! They are in Direct violation of the Deceptive practices act, the truth in Credit act, FCRA, Fdcpa, and federal law of every kind! This is a demand that their executives and office of the president fix my account limit and take off the hold and give me a XXXX dollar limit on the XXXX XXXX and take off the restriction that has been on my XXXX XXXX and raise the limit to at least 2000. Ive done the identification process XXXX times and 5 times with a specialist on the phone while I uploaded everything and they verified everything and still wont let my card work.. The Trustee of their indenture agreement is XXXX XXXX XXXX XXXX XXXX XXXX and I will sue everything that you have for the dishonest conduct
Company Response:
State: CA
Zip: 91106
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Capital One closed my account on XX/XX/ in adverse action during a Billing Error dispute which is prohibited pursuant to 12 CFR 1026.13 ( d ) ( 3 ). In their agreement it's stated in the event of dispute, claim, or controversy between you and us arising out of or relating to this Account, or the relationships resulting from this Account or any other dispute between you and us ( Claim ), either you or we may choose to resolve the Claim by binding arbitration. shall arise between me and Capital One, if it is not resolved we agreed to proceed to arbitration. I filed a demand for arbitration and a email was sent from the XXXX XXXX XXXX on XX/XX/ with the Case Number : XXXX. Capital One did not pay their business filing fees on XX/XX/. XXXX gave them another opportunity to pay their filing fees for the second deadline of XX/XX/XXXX Capital One once again failed to pay their filing fees and the case was closed. Not only did they fail Regulation Z requirements, and Violate much of the Truth in Lending Billing Error laws, they also violated their own agreement. Capital One continued in deceptive tactics with lawless behavior. I can't believe the amount of Dishonor, Negligence, and Malice with evil intent to damage me.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a savings account with Capital One, I called Capital One customer service to access my personal savings account. Capital One customer service rep asked me for my social security number, date of birth, old phone number and new phone number, old address, and new address so they can update my account, Capital One customer service rep also asked me to upload a picture of my id. Capital One customer service denied my verification and refused to give me the account number and denied me access to the savings account. I gave Capital One all the correct information to access my account, and they still refused to help me. I asked Capital One to close my savings account, since they are refusing to allow me access to my savings account. I want Capital One saving account closed for good. Capital One system needs to be updated. Capital One imposed on me to share my social security number, and according to ConsumerFinance.gov states I am not required to provide my social security number to open a checking and savings account.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I had closed/cancelled my XXXX 's XXXX prior to Capital One taking over these accounts. I have moved from MD ( where there are a ton of XXXX ' ) to XXXX ( where there are XXXX XXXX 's - Hence the reason for cancelling membership ). Capital One issued this XXXX 's card without contacting me or giving me the chance to decline or opt for a different rewards card. It just showed up. I have since used the card and accrued some rewards {$47.00} to date. As stated I DO NOT have XXXX 's membership and am unable to redeem the rewards thru XXXX 's. I have contacted XXXX 's and was basically told- sucks for me - no membership - no way to redeem. I have contacted Capital One - explained I cancelled the XXXX 's membership prior to this card being issued without my knowledge. Again, I was basically told sucks for me- Capital One can't see or do anything about the rewards. Capital One XXXX XXXX 's should have done some due diligence and either contacted the customers for their preference or just let the accounts close and the customer can apply for card of their choice. None of this happened - this card was just issued and sent. Now neither company will issue rewards or honor the program. I don't want to continue accruing rewards that are unusable.
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A