Date Received: 2023-09-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Ex girlfriend applied for several credit cards in XX/XX/XXXX using my identity without my consent or knowledge and then made herself an authorized user. Capitol one is the only company that wont side with me and take XXXX balance of my credit score. I never received requested affidavit from capitol one. I filed police report in XXXX XXXX and place credit freeze with credit bureaus. Attorney contacted them since Ive closed account three seperate times.
Company Response:
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are multiple accounts that I didn't authorize or give consent to be opened in the first place. There are five different names,12 phone numbers, 6 addresses that are not mine. Anything that is not under my name, I want deleted immediately off my credit report. I need proof from all companies with misinformation, of my signature, & COLORED copy of my ID at the time as well. I have filed a FTC. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( m281 sw 715, 719 )
Company Response:
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency.
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Over the past 2 weeks I have had at least 3 different credit card companies call me telling me that there have been applications submitted using my information. I have no knowledge and have to call each company and confirm that it was not me submitting them and that someone has stolen my information.
Company Response:
State: NE
Zip: 68516
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I am wanting these deleted because I did not authorize the companies to run my credit this is fraudulent
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Capital One is refusing to honor payroll checks issued to one of our employees.
Company Response:
State: TX
Zip: 76108
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number # XXXX
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: A check for {$400.00} was issued and cashed, and the funds withdrawn from my bank. Capital one then stole the funds and is refusing to release them to our employee and charged her additional fees as well. They have committed wire fraud and conversion.
Company Response:
State: TX
Zip: 76108
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: Loan fraud
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023, someone walked into Capital One NA XXXX Capital One XXXX XXXX XXXX XXXXXXXX, VA XXXX They held a fraudulent check without an account number, a fake debit card and a fake ID. This person cashed {$2800.00} check against my bank account. The bank indicated that their ID was scanned and showed by information. The teller didn't identify the debit card to be a fraud. When the check bounced, Capital One withdrew the funds from my account. I have not been reimbursed for those funds. An image of the fake check has been sent to me. It was supposedly written by : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Check # XXXX On XX/XX/XXXX, a person tried to withdraw {$1800.00} from my bank account from Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The teller was able to identify the debit card was fraud and denied the withdrawal. I want my money back, but also have a greater concern for the ID that is able to be scanned and used at banks, airports, with the police, etc. I believe the ID is either a RealID or Passport. Both of those documents that are mine are in my possession. I have not lost or misplaced them. I have not photocopied them.
Company Response:
State: MD
Zip: 20814
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A