Date Received: 2023-09-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. CAPITAL ONE AUTO FIN XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response:
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
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: Kohls charged two cards for the same amount. Last four digits of the card XXXX is the only card that should have got charged. Kohls charged the same amount to two different cards. I have called for months and have put two different disputes. Never did Kohls send me anything in the mail or emails about my disputes. Ive called for 6 months about this. Know one wants to fix there mistakes but instead report false information to XXXX XXXX.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXXXXXX XXXX2023 Amount XXXX They put on my report that derogatory account XXXX XXXX XXXX XXXX-2023 Amount XXXX They put on my report that derogatory account I would want disputed cause I didnt get no notice or anything
Company Response:
State: HI
Zip: 96797
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The company is Capital One Auto Finance. It should state on my credit report that this account is paid in full. Please make this correction. The company number is XXXX. PAID IN FULL.
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This is an official complaint against Capital One Financial. Involving an active dispute with a merchant regarding cancellation requests. I was advised by Capital One Financial on XX/XX/2023 to file an active dispute regarding a purchase to be made later that same day. I called Capital One inquiring on refund protection. The reason I called is because I had suspected that an issue may/could potentially arise from the merchant, regarding order cancellations. I was encouraged and then directed by the Capital One Financial representative to file an active dispute with them if a problem did occur with the purchase made later in the day. I made a purchase from the merchant Parts for repair on XXXX at XXXX XXXX. After completing the purchase order I was advised that the shipping location was located in XXXX even though the Web account and contact details provided a mailing address in the United States. It was agreed that I would purchase a replacement screen for my I phone and return the order made the month previous as a direct exchange. Because the return address was located in XXXX the company refused to cover shipping costs. And was requiring that I cover the full burden for shipping items back to their company in XXXX. I did not agree to this deal and requested an immediate refund of my purchase. I contacted the company directly at XXXX and at the phone number provided XXXX Immediately following the order, to request cancellation. No one was available to take my call, and my email was never answered. I sent an email that provided the following 'Please do not ship item Please cancel and/ or hold order. I have not agreed to purchase '. I then requested a return shipping label And emphasized the fact that XXXX have not agreed to ship the item back to XXXX XXXX. I requested to cancel the order placed. This information was sent to a XXXX XXXX at another email address XXXX This email was responded to and addressed however not until XXXX. I was provided the following 'We ask our shipping carrier to hold package, but it is on the way to XXXX XXXX XXXX not able to hold it now? '. I asked then to cancel the order and requested a full refund. I provided the following " I will require a refund for the purchase price. As I never agreed to fulfill the purchase. '' ( As the shipping location was located in XXXX and I did not agree to this ) I had contacted Capital One a day earlier and had then requested to dispute the transaction as unauthorized. I did so knowing I would be given refund protection. This was done on XXXX and XXXX. I received a letter from Capital One stating that a provisional credit was awarded and that decision was then reversed. Capital One based their decision on the following '-Confirmation showing no return policy was received '? Meaning I was provided the information that parts for repair does not accept returns? That information is not true, and does not relate to this case. I was provided the opportunity to return the item, and was given a return voucher. And was requested to return the item. Parts for repair requested and initiated the return/refund request with the stipulation that I do pay for all the shipping costs. I again did not agree to this. Capital One has no basis for denying the claim, based on -no return policy was received? Capital One then requested a signed letter including a statement which was sent then received. The letter requested a written deadline of XX/XX/2023 This is not possible due to the fact the letter was received and sent after the deadline after XX/XX/2023. ( Please refer to attachment circled sections : letter dated XX/XX/2023 ) I provided in the statement letter all the information requested including the name of merchant transaction amount and date with the case number. And was told that the letter was received after the deadline and the letter lacks all the information previously requested. Capital One then denied the claim. I will require an explanation as to why the letter from Capital One was sent and received after their prescribed deadline. And what specifically is Capital One requesting or better worded what was specifically missing in the written and signed statement letter. No information was provided other than the claim XXXX denied and -the deadline was not followed I did contact and request cancellation through several sources via direct contact and email. The law states that all XXXX sellers will provide refunds according to the Consumer Financial Protection Bureau the Law reads a consumer must provide a XXXX minute cancellation right under statute XXXX This was not followed by the merchant and/or Capital One. Capital One and the merchant Parts for repair are fully liable. And in this case I am owed the/a full refund. Capital One is responsible for purchase protection and is clearly negligent as is the merchant. The Law was not followed and I never did agree to the purchase requirements of shipping items back to XXXX. ( And being charged outstanding international shipping rates. Prices that are not reasonable ) I required 'refund protection ' from Capital One Financial XXXX Capital One was a total failure in every aspect and only sided with the merchant based on contact. And did not take into consideration the actuality and fact based information. -no return policy was received has no basis for a denied claim. I am owed the full refund.
Company Response:
State: WA
Zip: 98133
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone has my social security number and tried to open bank accounts and credit cards with my number, Ive managed to put a security freeze on tbe accounts, Ive contacted the capital one company and told them I never had gotten the card or applied, customer service was very rude and upsetting.
Company Response:
State: MN
Zip: 558XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX Credit Report has inquires that Im unfamiliar with and recently my identity been used to apply for credit cards. I Will like listed inquiries to be removed from my credit report. CAP1/SAKS FIFTH AVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO FINANCE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO FINANCE 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 CAPITAL ONE 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 XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It May Concern, I am writing to dispute the charge-off entry listed on my credit report. The basis for this dispute arises from the fact that I have not received a Form 1099-C ( Cancellation of Debt ) as required by federal tax law. According to the Internal Revenue Service ( IRS ) regulations, a creditor is obligated to issue a Form 1099-C to the debtor following the cancellation of a debt exceeding {$600.00}, as per Section 6050P of the Internal Revenue Code. This form serves as a critical document for tax reporting purposes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : capital One 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 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 To comply with both IRS regulations and my rights as a consumer, I kindly request the following actions : 1 . Investigate the presence of a Form 1099-C issued by the Creditor for the debt in question. 2. Verify whether the charge-off entry on my credit report was indeed accompanied by the issuance of Form 1099-C. 3. Confirm whether the issuance of the Form 1099-C was executed in accordance with the IRS regulations , as required by law. I am determined to ensure the accuracy and completeness of my credit report, as well as to fulfill my legal obligations regarding any tax implications arising from the cancellation of debt. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ), I request the prompt removal of the charge-off entry from my credit report should it be determined that the issuance of Form 1099-C was not compliant with the IRS regulations. Furthermore, I reserve my rights under both the FCRA and the IRS regulations to address any discrepancies or violations in accordance with applicable laws. I trust that you will handle this dispute diligently and in strict adherence to the law. Please provide written verification of the results of your investigation within the prescribed timeframe as stipulated by FCRA Section 611 ( a ) ( 8 ). Sincerely,
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: On XX/XX/23, someone hacked into my Capital One online banking, created virtual card numbers, spam bombed my e-mail address, and made large purchases. I spent hours regaining access to the account. It has been determined that the hackers accessed my e-mail address and obtained an old copy of my driver 's license, then used it to call in and impersonate me as well as upload that document for identity verification. I was emphatic that this would happen again as long as the continued to use this same piece of compromised information as valid identity verification. They disagreed and it got heated. The hackers regained access that same day. I did it all over again. Capital One fell for it again the next day. I regained access. Capital One fell for it again the next day. After hours of discussions, they said they would escalate it to their security division. I waited patiently for nearly 2 weeks and a XXXX - XXXX XXXX XXXX - called today ( XX/XX/23 ) simply to state that Capital One couldn't protect my account. They could reset it but there is nothing they could do to prevent it from happening again. Their sole motive for calling was to get me to agree to accept my accounts with subpar security precautions or close my accounts altogether. I told that this was an outrageous position and demanded that someone come back to me with a solution regarding how Capital One would not fall for the same piece of compromised information. He didn't want to do that and simply wanted to end the call. I told him that was the lazy, cowardly way out. After regained access to the account with a new e-mail address, the hackers got my other email address out of my capital one online portal and spam bombed it as well. If Capital One hadn't let them into my account, they would've never had this alternate e-mail address and been able to spam bomb it. Capital One 's 2 factor authentication allows you to type in ANY phone number to receive the security code. The whole purpose of 2 factor authentication is to send secure login tokens to known, valid phone numbers and/or e-mail addresses. When you can type in any phone number or e-mail address, what is the purpose? 1. ) Capital One 's 2-factor authentication does no authentication if the security token can be sent to ANY phone number, even if not registered on the account profile. 2. ) Capital One accepting the same compromised identity verification document time and time again is absurd. Not only do that accept the old driver 's license previously proven to be compromised, they requested this specific document for verification. An item known to be compromised and used to gain account access at Capital One on Monday and again on Tuesday and Capital One requested THAT VERY DOCUMENT for verification again on Wednesday and on Thursday. Again and again. This is absurd.
Company Response:
State: TX
Zip: 75238
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
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 received two credits back to my account each for {$110.00}. This was completed in error and the company who refunded me admitted this was incorrect. I called Capital One to reverse the credits and they refused to cooperate. They insisted they can't reverse the transaction and this is a violation.
Company Response:
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A