Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received an alert on XX/XX/2023 that CAP ONE NA did a credit inquiry on me. I did not requested or authorized this action. I called XXXX on XX/XX/2023 to mark this activity as a fraud and on the same day I called Capital One to notify that I filed a dispute with XXXX. Capital One didn't give me information about the Inquiry, but they recommended me to mail a fraud report for them to conduct an investigation.
Company Response:
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a XXXX XXXX XXXX in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. ALSO, My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: someone applied for credit with my identity. there is an inquiry on my credit report i do not recognize from capital one bank on XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was sent a letter from XXXX saying there was a breach and my personal information was leaked when I checked my credit report there was accounts and inquiries that didn't belong to me I filled a report with th ftc as advised
Company Response:
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Earned XXXX in reward balance on this card. Got no advance notice of account closure due to inactivity, just after it was already closed. Please reinstate my account, or at least reinstate my rewards, so I can redeem them.
Company Response:
State: NY
Zip: 11772
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: About 1 or 2 weeks ago ( XX/XX/2023 ) I wrote to Capital One, XXXX, and XXXX in regards to their being income reported on my consumer report. I am complaining about the inaccurate information on my credit report by Capital One, XXXX, and XXXX. They have reported charge-offs as income, which is wrong and misleading. Charge-offs are canceled debts, not income. The law says that creditors must send me a Form 1099-C to report canceled debts as income, but I have not received any from these companies. I have also not claimed any income from canceled debts on my tax returns. I have sent them dispute letters with my identification and proof of identity theft, but they have not corrected the errors. I want them to stop reporting charge-offs as income and remove them from my credit report. I also want them to send me copies of the Form 1099-C if they have issued any. This is affecting my credit score and my ability to get loans and credit cards. Please help me resolve this issue as soon as possible. Thank you
Company Response:
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am sending this complain on something on my credit report that is in accurate and that I did not authorize. in accordance with the fear credit report acts this creditor have violated my rights, under 15 usc-1681 section 602 I have the right to privacy. 15 usc 1681 section 6042 section 2, it also states that the consumer reports agency can not furniture account without my written instructions. Under 15 USC 1666b a creditor, may not treat a payment on a credit accounts, under and open end a consumer credit plan as late for any purpose. Date : XX/XX/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 AMOUNT : XXXX TOTAL : XXXX ========================================= XXXX ========================================= XXXX XXXX XXXX **PLEASE RETURN SIGNED** BY RETURNING THIS RECIEPT SIGNED YOU AGREE TO PAY THE ABOVE TOTAL AMOUNT ACCORDING TO THE CARD ISSUER AGREEMENT. Please sign the above receipt and send back a scanned/photocopy of the signed receipt to this email ( you may snap a photo with your camera phone if you do not have scanning capabilities ). If you are not able to print and sign, you can also visit XXXX XXXX XXXX for free ESigning services. If you have any questions about this transaction, please call ( XXXX ) XXXX or email us at XXXX and reference your ID Number above. This communication is from a debt collector attempting to collect a debt and any. information obtained will be used for that purpose. Confidentiality Note : This email and any attached files are intended only for the use of the individual or entity named above and may contain information that is. confidential and privileged. If you are not the intended recipient, you are. hereby notified that any dissemination, distribution or copying of this e-mail is strictly prohibited. If you have received this e-mail in error, please notify us immediately by return email and delete the material from any computer. Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXXXXXX Balance {$2300.00} Balance updated XX/XX/XXXXXXXX Recent payment - Monthly payment - Credit limit {$1300.00} Highest balance {$2300.00} Terms - Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXXXXXX Status Collection account. {$1.00}, 467 past due as of XX/XX/XXXX. Status updated XX/XX/XXXXXXXX Balance {$1400.00} Balance updated XX/XX/XXXXXXXX Recent payment - Monthly payment - Original balance {$1400.00} Highest balance - Terms 1 Months Account info Account name XXXX XXXX Account number XXXX Account type Rental Responsibility Individual Date opened XX/XX/XXXXXXXX Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXXXXXX Balance {$680.00} Balance updated XX/XX/XXXXXXXX Recent payment {$32.00} as of XX/XX/XXXXXXXX Monthly payment - Original balance {$850.00} Highest balance - Terms 26 Months Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX Status Closed. {$440.00} written off. Status updated XX/XX/XXXXXXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$440.00} Terms -
Company Response:
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
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: Regarding case # XXXX, I disputed a purchase for a sweater that I purchased on my Capital One Quick Silver credit card. The sweater in question was purchased on 2/23/23 for {$120.00}. Within two month the sweater had fallen apart with multiple rips in the seams. I contacted the company that I purchased from ( Figs ) in order to give them the opportunity to rectify the charge. The email was not responded to by Figs, and there is no other contact information listed. I therefore disputed the charge with my credit card. In XX/XX/XXXX, I submitted supplementary information which was requested following my initial dispute, including images of the disrepair, receipts of the purchase, as well as an estimate to fix the article of clothing. My credit card rejected the dispute, claiming I did not provide enough documentation. Following this, I called and spoke to XXXX at Capital One Quick Silver, to inquire what I was missing, which she could not inform me of. I have provided all documentation requested and as a consumer, I should be protected from purchasing defective merchandise. I appreciate any assistance you can provide in this matter.
Company Response:
State: NY
Zip: 11762
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX claims that they have verified the accuracy of the items on my credit report as verified. Well, how did XXXX verify this information? I requested that XXXX provide me with whom it is that they spoken to on a recorded line alone with this living persons name, contact information, whom it is they work for or what company they are speaking on behalf of, along with a copy of the recording so that I can clarify myself if it is truthful and lawful verification. as well as the time, date, and the persons name that called on behalf of XXXX as well as their position. I have already informed XXXX of the verification methods that XXXX must obey based on the signature that XXXX representee sign in the contract with XXXX and the FCRA as well as with the United States of America corporation whom all have to obey laws of the constitution as well as the SEC. 15 usc 1681 3 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Validation must come from the original creditor. XXXX XXXX ( Federal Trade Commission ) 31 CFR 903.5 Discharge of Indebtedness ; reporting requirements. The 1099c filling based on IRS topic 431, Canceled Debt makes this account INCOME. Income can not be reported on my credit report and this account must be removed immediately. XXXX is NOT investigating the accuracy of information obtained in my credit report based on 15 usc 1681. XXXX is in violation of my consumer rights and I demand that XXXX either send me the recording of the phone call or in person interview that XXXX performed in coming up with this decision of stating these accounts to be verified. I request a copy of the recorded phone call, along with all parties names, position, whom they speaking on behalf of, as well as the time, place, date of the recorded call. If XXXX did a in person interview with a live individual then I need the place, time, signed affidavit documentation involved in the communication of the accounts being verified on my credit report. If XXXX CAN NOT provide ALL of the information that I requested, then XXXX must remove the following information below from my credit report. I need the recordings along with ever live persons information involved in the accounts listed below. 1- XXXX XXXX XXXX also known as XXXX with Acc # XXXX - XXXX claims that they verified this account BUT XXXX has never shown proof of its lawful verification based on my previous complaint sent in on XX/XX/2023. XXXX is a 3rd party collection company whom I never had a contract with and has NO LEGAL proof along with NO authority to report on my credit report. XXXX purchased this account from CAPITAL ONE BANK USA without my written, verbal, or any consent what-so-ever from me the consumer. This is Identity Theft and I have already completed a FTC reporting identity theft and sent it to XXXX. XXXX is ignoring my request and violating my consumer rights. Plus this CAPITAL ONE BANK USA account has been discharged off and 1099c filled with the IRS. 31 CFR 903.5 Discharge of Indebtedness ; reporting requirements. The 1099c filling based on IRS topic 431, Canceled Debt makes this account INCOME. Income can not be reported on my credit report and this account must be removed immediately. 2- KOHLS/CAPITAL ONE Acc # XXXX is also a ( paid charged off ) account. IRS topic 431, Canceled Debt makes this account INCOME. Income can not be reported on my credit report and this account must be removed immediately. 3- XXXX XXXX Acc # XXXX XXXX DOES NOT have my consent to report this account on my credit report. This is a closed account and is no longer a collectable account. I demand that XXXX CEASE AND DESIST in reporting this account on my credit report and remove this account immediately. Any consent that XXXX though they had in reporting this XXXX XXXX account is now revoked. Definition of CLOSED ACCOUNT is any account that has been deactivated or otherwise terminated, either by the customer, custodian or counterparty. At this stage, no further credits and debits can be added. This account is reflecting as closed by the consumer on my credit report and a closed account is not collectable. This account keeps being reported inaccurately by XXXX and needs to be removed immediately because this account is considered income.
Company Response:
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I received multiple wire deposits from XXXX in the amounts of {$15000.00}, {$30000.00}, {$7000.00}, {$3400.00} and {$7000.00}. My Finance currently resides part time in XXXX and part time with me in Florida.The funds were income from work he does in XXXX. He has dual XXXX XXXX XXXX citizenship and is not currently on my accounts due to a pending divorce. I used part of the deposited funds {$39000.00} to purchase a vehicle for my Fianc by wire transfer from a car dealer in MA. Capital One called to verify the transaction and asked multiple questions, which I answered to the best of my knowledge at the time, given I was not at home in front of my computer. They thanked me and said the wire would be sent. I even received confirmation that it was initiated. I then attempted to make a purchase for {$510.00} with XXXX and it would not go through so I attempted to use my debit card for the purchase and it was declined. When I logged in to my accounts about an hour later, there was a message that said my accounts were locked with a number to call. The {$39000.00} wire had been taken from my balance but to date has not been received by the Auto dealership causing me to send them another {$40000.00} through another account or lose the vehicle.when I called the number, I was instructed to leave a voicemail and it could take up to 48hrs for them to respond. I finally received a call back and the woman was condescending and when I told her I needed to get the information she was asking for, she hung up on me. When I finally got through to some one else they told me I gave inconsistent answers and my accounts were closed and I would get a check for the funds mailed to me when they finished their investigation. I asked when that would be and was put on hold for 30 more minutes and when he returned his answer was- I dont know he said I would receive a letter or email of explanation in 3 days. It has been 5 days and I have received nothing. I cant speak to anyone because of the status of my accounts and when I was finally able to leave another message yesterday, I have not received a call back. Capital One is holding over {$21000.00} of MY money hostage along with a wire transfer. It has been 6 days and still I have no explanation in writing or indication when their investigation will be complete and my money returned to me.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A