Date Received: 2023-09-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I notified all 3 Credit Reporting agencies XXXX XXXX, XXXX, and XXXX- as well as Capital Ones CreditWise subsidiary- that I was no longer an authorized user of my estranged spouses XXXX XXXX Credit Card XXXX None of the parties have removed the debt from there reports. The end result is that my credit score has been artificially been kept low by including this debt in the calculation of my credit score.
Company Response:
State: NC
Zip: 28311
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: -Received an email from Capital One stating that I had a credit card on the way. -Called the fraud Department on Monday XX/XX/2023. Opened a case and forwarded to the fraud investigations. XXXX XX/XX/XXXX, received the credit card. Additionally, received a letter stating that the card issued was fraudulant with no other information.
Company Response:
State: UT
Zip: 84404
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i am a victim of identity theft. the information below, which appears on my credit report, does not relate to any transaction that I have made. it is the result of identity theft. please block this inf from my credit report as soon as possible, pursuant to section 605b of the fair credit reporting act, and send the required notifications to all furnisher of this information.
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On the night of XX/XX/XXXX, XXXX unused payments were made to my Capital One debit card account. I didnt purchased. XXXX is {$300.00} at XXXX and the other is {$410.00} at XXXX XXXX. Then my email saying they tried again to pay {$260.00} from XXXX but it was denied because my debit account didnt have enough money. The important thing is that someone has been continuously trying to make payments with XXXX XXXX and Capital One credit card for several months now. So I locked my credit card and deleted my XXXX XXXX. But I'm seriously worried that someone knows all my accounts. Please help me.
Company Response:
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: In requesting a balance transfer of {$4500.00} from my financial institution, XXXX ( XXXX XXXX XXXX ), I inadvertently chose CAPITAL ONE. The bank should have been XXXX XXXX. XXXX mailed the check to CAPITAL ONE which was cashed on XX/XX/2023. I attached a photocopy of the cashed check. After realizing my error, I have tirelessly attempted to reach someone at Capital One without success regarding the problem. I am hoping you are able to find a contact at Capital One in order to retrieve the {$4500.00}.
Company Response:
State: CT
Zip: 06790
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had credit cards with Capital One and XXXX XXXX back in XXXX and I couldn't pay off the balance because of a job loss. The creditors had charged off on the balance owed, and they started to report the debt again every month to my credit bureau decreasing my XXXX score and I couldn't get a car loan. Please see the attachments for reference. Thank you very much for your help.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023, I made a payment of {$65.00} to my credit card for the XX/XX/XXXX due date. I was charged a {$40.00} fee for nonpayment on the bill due on XX/XX/XXXX. ( XX/XX/XXXX I ended up getting XXXX and was sick until the middle of XXXX ). I called the company when I finally got well and disputed the {$40.00} charge for the nonpayment of the XXXX bill. I was told that I owed {$3.00} and was charged a {$40.00} fee. I asked them to waive the fee, but they refused. I closed the account. The card was a prepaid card. I had a {$600.00} balance. In order to get the card, I had to pay a {$500.00} deposit to cover my credit limit. When I closed the account, they only applied {$390.00} of the {$500.00} deposit to my account. I was charged an additional {$40.00} late fee and {$15.00} in interest fees. I am disputing these charges and the missing {$100.00} in the security deposit. I am also disputing the {$260.00} remaining balance on the card. The balance should be {$68.00}.
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I am writing today as a concerned consumer who recently purchased a car from XXXX XXXX Mitsubishi on XX/XX/XXXX, with financing provided by Capital One Auto Finance. Before delving into the matter, I would like to emphasize my intention to settle the outstanding balance despite facing recent financial hardships and questioning the integrity of both XXXX XXXX XXXX And Capital One. Over the past few weeks, I have had the opportunity to carefully evaluate the retail installment contract, and I regret to inform you that I have discovered numerous violations of my consumer and civil rights by both XXXX XXXX Mitsubishi and Capital One Auto Finance. These violations include misrepresentation, unfair lending practices, deceptive practices, unsolicited charges/fees, breach of contract, infringement of privacy rights, securities fraud, and instances of identity theft. The severity of these issues warrants prompt investigation and swift resolution. Furthermore, I have received multiple threats from Capital One Auto Finance regarding repossession of my property. Moreover, I have been incessantly harassed by Capital One Auto Finance agents via recorded telephone calls, demanding full payment. In response, I requested original documentation outlining the bilateral consent between Capital One and myself, but regrettably, none of the requested documents have been provided. It is my belief that these allegations were carried out knowingly and willingly. I can assure you that I possess detailed documentation that substantiates my claim, which I am more than willing to provide. I am aware that the XXXX XXXX XXXX ( SEC ) enforces strict laws and regulations to prtect investors and consumers as well as the integrity of the fancial market. It is evident that both Capital One Auto Finance and XXXX XXXX XXXX have knowingly and willingly committed securities fraud by way of the employees, agents, and representatives involved in this consumer transactions. I will list some below : -15 USC 1635 Right to rescind contract. ( the car lot failed to mention this was a possibilty and Capital One cant even produce a contract ) -15 USC 1692c False representation -15 usc 1692a Definition of debt and debt collectors. ( This is important as I understand Capital One Financial Corporation to be a financial institution and not a debt collection agency, however, I have received numerous correspondence stating their claims to attempt unvalidated debt. ) -15 1662b Cash or FRNs are not required for a credit transaction. ( I was told that I had to pay {$2500.00} dollars as downpayment in order to travel off the lot. ) -15 1666b ( a ) No such thing as late payments. ( Even so, Capital One has reported negative information to the credit beauraus multiple times even though I never gave them written or orall permission to do so. And I never gave the credit beauraus written or oral permission to post negative information. ) 15 USC 1605a XXXX CHARGE is the sum of ALL payments. ( Even So both Capital One and XXXX XXXX knowingly and willingly tried to charge me over {$40000.00} dollars for a XXXX used car. ) 15 USC 1681b Identity theft ( due to suspected securities fraud by both Capital One and XXXX XXXX Mitsubishi which too was done knowingly and willingly ) -15 USC 1681n willful non-compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX WE THE PEOPLE are in fact the original creditors. -42 USC 408 shouldnt ask for XXXX on loan as it fraud. -12 USC 1431 Banks can not loan money as they are the borrowers -15 USC 1692f NO REPO OR FORECLOSURE -31 USC 5118 OBLIGATIONS CAN BE DISCHARGED WITHOUT LEGAL TENDER. 15 USC 78cc ( b ) ( c ) Validity of Contract ( Contract and loan void due to allegations ) -15 USC 6821 Privacy protection for customer information of fnancial institution. ( Clearly no one cared that I was a customer at Cap One. Also securities fraud comitted when XXXX was placed on mode of conveyance ( car ). And when application was turn in to federal XXXX bank on behalf of XXXX XXXX XXXX AND XXXX XXXX ) -31 USC 3123 ( a ) ( b ) Payment of obligations and interest on the public debt
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm an authorized signer on XXXX Capital One credit cards. Both myself and the primary card holder have requested Capital One remove my social security number from these accounts and stop reporting these cards under my name to the three credit bureaus. Capital One has refused to assist, even though we were told by Capital One 's security team this is possible.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I received an email from XXXXcapitalone360.com. Email : XXXX XXXX XXXX Give us a call about your account ( s ) Mart XXXX We have a few questions about some recent activity on your account ( s ) and need to speak with you to clear this up. Please give us a call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks for choosing Capital One. I just opened a savings account with them and also called something regarding disputing a charge. I was expecting for them to send an email as per agent told me. I received this email and call and during call it asked to enter my whole social security before speaking to an agent. When I have a time to search this number on the internet, many claimed that this is a scam number. I am now worried.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A