Date Received: 2023-09-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I have now gotten XXXX emails in the past XXXX days about credit card accounts opened in my name with Capital One and can't seem to get them to stop, I've called every time to get them to shut the accounts down and I keep seeming to get transferred to someone who " can't hear me '' so I can't get anything resolved
Company Response:
State: NC
Zip: 28390
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Capitol One XXXX rewards card account XXXX is paid as agreed it is paid off but it's showing a balance they never updated the system to paid with XXXX balance
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I HAD AN OVERDRAFT IN MY ACCOUNT. I HAVE PAID THE OVERDRAFT WHICH HAS ALSO LEFT {$2300.00} IN THE ACCOUNT. CAPITAL ONE BANK IS REFUSING TO ALLOW ME ACCESS TO MY ACCOUNT AND/OR FUNDS.THEY HAVE RESTRICTED THE ACCOUNTS ALLOWING NO WITHDRAWS OR PAYMENTS AND REFUSE TO LIFT THE RESTRICTION. I HAVE SUBMITTED ALL DOCUMENTS REQUESTED IN ORDER TO VERIFY MY IDENTITY. I HAVE SPOKEN WITH SEVERAL REPRESENTATIVES, SENT SEVERAL EMAILS AND LEFT MESSAGES AS WELL. I NEED ACCESS TO MY MONEY IMMEDIATELY. I WORK FROM HOME SO I NEED TO BE SURE THAT I CAN PAY MY RENT, INTERNET AND PHONE BUT CAPITAL ONE IS REFUSING ME ACCESS TO MY MONEY WHICH MEANS I WILL FACE EVICTION AND TERMINATION FROM MY JOB. I ALSO HAVE NO WAY TO FEED MY XXXX CHILDREN AND NO ONE WILL HELP ME.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applied for a line of credit and was discriminated against. Being as though theyre on my report, I was never compensated as the beneficial equitable title holder. I am at the age of majority, I just want whats due. I dont want this to go any further than it has to. If I cant be compensated Id like for this person to give me the original contract I signed with them and Id also would like them to send tax filings for this account.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( XXXX CAPITAL ONE BANK USA NA ) " 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ) ( CAPITAL ONE AUTO FINANCE, XXXXXXXX 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 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 ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Received multiple emails from Capital One starting at XXXXXXXX XXXX XXXX on XX/XX/23 stating that a new account was opened in my name without my consent. I do not have any accounts with Capital One and was also notified by my bank, XXXX. They created an online account using my email and social security number and are attempting to gain a Quicksilver Rewards Card. Please cancel this account immediately.
Company Response:
State: CO
Zip: 80128
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: card was stolen and charges was made on card want this off my credit report
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Capital One Auto Finance calls me at work and on my cell phone numerous times a month. I pay my loan EVERY month although not on the day it is due. I have asked for 4 years since the start of this loan to change the due date. I currently pay XXXX for rent and I am ONE person who makes less than XXXX a year. My loan is due on the XXXX and I can not manage to pay it on time. I do however pay my loan every month. I never gave them my work number I don't know how they got it but they WILL NOT STOP calling me at work. They call all month long. Send repeated emails about how my loan is past due when I have already paid it. This has gone on for 4 years. I don't have much longer to go. I want these calls to STOP IMMEDIATELY. It is embarassing and humiliating when their name shows up on the work caller ID. Please make them STOP calling me. I WILL PAY MY LOAN ......
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
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: I filed original complaint on XX/XX/23 complaint ID XXXX You have this as being closed. Yet I did not receive a statement from the bank explaining why I can't get my monies back. Can you look into this? What did you get back to close this complaint?
Company Response:
State: NJ
Zip: 07424
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection {$880.00} XXXX XXXX XXXX {$100000.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Company Response:
State: MI
Zip: 48309
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A