Date Received: 2023-09-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off 2 of my accts with capital one. I was told if i do so i can get an auto loan because i wont owe them anything. I paid on 2 closed accts XXXX and was declined auto. When asked why it was because i owed them money. But i was told it wouldnt be held against me
Company Response:
State: WA
Zip: 98366
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 company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I mailed in and disputed online XX/XX/2023 with XXXX and XXXX to reinvestigate the following account : Account name : Capital One Account # : XXXX. However, they stated everything was complete and accurate. But how is that possible if the date of last activity, charge off, balance update, last payment date updated and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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: GA
Zip: 31313
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was garnished for my delinquency on my capital one account. The garnishment paid in full the amount owed. They've reported that i still owe XXXX , completely fraudulently.
Company Response:
State: VA
Zip: 24141
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My Social security Has been compromised and there's been credit inquiries and open accounts that doesn't belong to me
Company Response:
State: FL
Zip: 34231
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I forgot my password for my Capital One account and they would not reset my password without sending a copy of my Photo ID. I was not willing and since I could not access my account I stopped using the card. They eventually closed my account but keep sending me emails about my account. They said my email is still attached even though the account is closed. They will not stop sending me emails. You are now connected and chatting with XXXX. XXXX, Hello, this is XXXX, and welcome to our Capital One secure chat service! This chat will be monitored and recorded. Please Note : Your chat window may be pushed behind your browser window while navigating our site. If your open chat window is lost, you should be able to locate it again by minimizing any other open browser windows. We have not heard from you. Do you wish to continue to chat? We have not heard from you. Do you wish to continue to chat? You, Hi XXXX, I keep getting emails from y'all but you cancelled my account a few years ago due to lack of use of the card because you would not let me reset my password without sending you my Photo ID. I was not willing to do that so eventually my credit card was closed. Now you won't stop sending me emails. XXXX, Good afternoon! Glad to have you on chat. Let me just gread through your response. You, The emails don't have a do not subscribe link. XXXX, Thank you for bringing this to our attention. I completely understand where you are coming from. You, can you just remove my email from future spam? XXXX, Let me check your account here so I can further check how we can best opt out on those e-mail notifications that you're receiving. I surely can. What's your e-mail address please? You, XXXX XXXX, Just for me to make sure I am doing the right process for this, you're receiving marketing e-mails from Capital One is that right? You, All emails, it seems like the ones I get consider me a customer still. XXXX, Got it. One moment please You, Thank you. : ) XXXX, First, I am making sure that you're not getting any marketing e-mails from Capital One. You're most welcome! Ive updated your preferences and your request will be processed immediately. Your decision will not apply to campaigns that are currently in progress. You have opted out of receiving marketing emails, but you may continue to receive them for the next 10 business days but rest assured after that, you should not receive any marketing e-mails from us. Second, you mentioned you had an account with us. Are you also receiving alerts about that account on your e-mail? You, I got an email to update my account to add texts to avoid fraud XXXX, That's noted. You, XXXX XXXX XXXX Regarding your Capital One account ( s ) Fraud happens fastget notifications ASAP XXXX XXXX XXXX, We noticed youre not currently set up to receive important account alerts via text from us. XXXX, I will need to locate that account to make sure we stop those e-mail notifications your receiving about it. You, Great. XXXX, Thank you for sharing that. To best assist, I'll just have to verify some information from you so that I can search your account and further help. Okay? You, Sure XXXX, I appreciate it. I'll send a secured form here on our chat box. Please click Validate identity below, fill out the information requested and hit submit. Just received it. Thank you XXXX. You, The address will be different due to my moving. XXXX, That's noted. Thank you I'm now searching for the account. Please stand by. I will get back to you as soon as I have it pulled up. You, Thanks. XXXX, You're most welcome. You, Username was probably XXXX XXXX to Remember. XXXX, That's fine hun. I now have your XXXX account card ending in XXXX. What I noticed on this account is though you haven't used this, you still have your e-mail address attached to it that's why you're still receiving e-mail notifications. You, Interesting. : ) XXXX, Yes so I am checking here the best way for me to make sure this e-mail is removed on your account. May I place you on a brief hold for around 3-4 minutes? You, Yes, thank you. XXXX, I greatly appreciate you working with me. Please stand by thank you You, You are great to work with. XXXX, Oh that's so sweet of you. This keeps me motivated for the whole day! So what I am now doing is sending this issue with our support group. Kindly stand by for me. You, XXXX XXXX, Thanks for holding. We're currently now reviewing the account. Thanks for patiently waiting. I need to ask for you for one more favor. In order for me be able to completely remove the e-mail from the receiving these account alerts, I need to do a verification on my end. I hope you still have time for this. Please bear with me. I need to perform some additional verification by sending you a code via text message. May I please have your mobile number? You, XXXX XXXX, Thank you so much. I'll try sending a 6-digit code to XXXX. If ever that system won't let me use it, then I may need to try another verification method. Disclosure : By providing your mobile number, you consent to receive a one-time text message containing a six-digit code to validate your account. Message and data rates may apply. You authorize your wireless carrier to use or disclose information about you and your wireless device, if available, to Capital One or its service provider for the duration of your business relationship, solely to help identify you or your wireless device and to prevent fraud. See our Privacy Notice for how we treat your data. I've tried sending the code to XXXX but my apologies, I am unable to use it yet for this request. Sometimes this may happen when number is not saved on the account or name/address from mobile carrier does not match the account. I'll need to try another verification method for this. You, I have a different number now than I used to, that is what caused the whole issue to begin with. XXXX, I understand. And that number 's still on file. But this is only for a one time verification so we can get this done. I will need to perform some additional verification using a picture of your ID. Its secure and easy to complete. You will need : A valid state-issued ID or government-issued drivers license. A cell phone or tablet that can receive text messages and take pictures. I will send a link via text message to a number of your choosing to XXXX. You, Ha ha. That is why you lost my business. I guess I may just have to file a complaint with the FCC. Not your fault. XXXX, I just want to ask first, will it be okay for us to go this verification method? You, Heck no! I explained that in the beginning of this text. XXXX, I'm sorry but though I am working with Capital One. As a customer myself, I do understand where you're coming from. XXXX XXXX You, I will provide the FCC proof that I have asked Capital One numerous times to stop harassing me and spamming me and that you won't stop. XXXX, One moment please. I do understand your point. On our end, even though this is a close account and an old one, before we can make any other changes, we are always required for additional verification. We always would love to ensure that we're on top of our customer 's security. I also reached out to our team regarding this and this is only for a one time verification. Once completed, we can completely remove the e-mail on the account and this is all done. You, Do you understand how stupid I would be to send me a copy of my ID to stop you from sending me unwanted emails? That is insane! XXXX, But I do understand you're decision not to push through on this. I'll leave a note on your account just in case you reach back to us. I was able to stop the marketing e-mails. You, I will be filing a complaint with the FCC. XXXX, I do get your point. ID verifications here are not seen by any agents and is reviewed automatically. But again, I won't force you to do something you're not comfortable with. You can also reach our account experts on phone if you have time to check for other available options we have to get the e-mail removed. Here 's our hotline : XXXX, open 24/7
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A hard inquiry was done without my consent
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On the website for the CapitolOne SavorOne card, it was advertised as having a 0 % introductory APR for fifteen months, and then an APR between 19.99 % -29.99 % after that. This was on the website when I applied on XX/XX/XXXX and then on XX/XX/XXXX when I spoke with Capitol One for the second time via phone. They verbally admitted to this advertising still being present. I called on XX/XX/XXXX when I saw my APR was 30.49 %. They assured me this was because my account was just opened and it would be 0.00 % soon. They advised me to call back the next day if it did not reflect this. I called again on XX/XX/XXXX and was told that I could not receive this APR because I had already agreed to the terms that did not provide me with it. Even when I escalated to a supervisor, they told me I would have to speak to a financial advisor to understand why I was not approved. When I expressed that I wanted the original advertisement to be honored I was told repeatedly that would not be possible.
Company Response:
State: NJ
Zip: 074XX
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I'M CURRENTLY XXXX AND A VICTIM OF IDENTITY THEFT CAPITAL ONE ACCOUNTS ENDING IN XXXX, XXXX, XXXX AND SPARK BUSINESS ENDING IN XXXX WAS FRAUDULENTLY ESTABLISHED UTILIZING MY PERSONAL INFORMATION. CAPITAL ONE ALSO TOOK MONEY FROM MY CHECKING ACCOUNTS WITHOUT MY CONSENT FOR THESE FRAUDULENTLY OBTAINED ACCOUNTS I DID NOT ENTER INTO ANY AGREEMENT WITH CAPITAL ONE, PROCESS ANY APPLICATION FOR A LOAN NOR DID I AUTHORIZE OR GIVE CONSENT FOR ANYONE ELSE TO DO SO. I WANT ALL THE MONEY FRAUDULENTLY TAKEN REIMBURED, THE CAPITAL ONE ACCOUNTS REMOVED FROM MY CREDIT REPORT AND ANY NEGATIVE INFORMATION REMOVED FROM CAPITAL ONE 'S SYSTEMS COMPLETELY. I CAN BE CONTACTED AT : XXXX XXXX XXXX XXXX XXXX PRIVILEGED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX
Company Response:
State: FL
Zip: 32327
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: Capital One acct XXXX Reported missed payment XX/XX/XXXXReported missed paymentXX/XX/XXXX Reported missed payment XX/XX/ Reported missed payment XX/XX/ Reported missed payment XX/XX/XXXXReported missed payment XX/XX/ According to the fair credit reporting act 15 USC 1681 section 602 A states " There is a need to ensure the customer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect to the consumer 's rights to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that tidal. 15 USC 1681 section 604 a section 2 states that " in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish the information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my non-disclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency mate 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. '' this account is an adverse item they are reporting again without my permission which is against the law 15 US code 1681 s-2 ( A ) ( 1 ) a states " 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. 15 US code 1681e states " Every consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 US code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of Consumer Reports to the purpose listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at anytime '' I am opting out for your reporting services.
Company Response:
State: MT
Zip: 594XX
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: My bank, Capital One, has frozen my accounts without notifying me. They have refused to give me the date they froze it or explain why I was not notified to keep checks from bouncing. I am XXXX and this started when I attempted to change my POA at the bank. I have very credible reason for believing the person acting as POA might drain my accounts. A new POA was drawn up by my attorney along with a letter that this person was to have no further access to my accounts. This was taken to my branch by my new POA on XX/XX/XXXX. They faxed it to their legal dept for approval stating it would be XXXX to 7 days. By XX/XX/XXXX it still had not been approved so I had to go in person to move money from savings. On XX/XX/XXXX a check was returned, this was first and only indication I had that my account had been frozen. Even though I was just out of hospital I had to go back in person because they still had not approved new POA. They said someone had called in alleging a third party had called in pretending to be me. They named my new POA as that party. This is ridiculous as she had no need to pretend to be me- she has my POA and regardless, pretending she would not have given her real name!! They refused to tell me who made the allegations even though they knew I was being harassed by the former XXXX to the point of filing a police report on XX/XX/XXXX. I do not feel it is a coincidence that the allegations had to be made that same week. Her threatening behavior has been constant for over XXXX months now.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A