Date Received: 2023-09-15
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: Capital One Auto Finance does not require proof of identity to approve and disburse funds for auto loans. All you need is your information and a signature. However, in order to prove a loan is fraudulent, they require a notarized affidavit, police report with account number or vin as well as a copy of your drivers license and social security card. Ironic, dont you think? On XX/XX/XXXX I received a phone call for a credit card application through capital one that I did not apply for. I called and told them I did not apply for a credit card with them. I have a credit card with capital one already. When I went on my capital one app on XX/XX/XXXX, there was a notification at the top that said click here to link auto loan. Uhm, what?! I called back to question this supposed auto loan and they have to transfer me to a different department. The gentleman that I spoke with argued with me, saying maybe they didnt respond in a timely manner with an interest rate proposal and I cut him off and said absolutely not. I knew the vehicle in question, was my husbands since my vehicle is a lease. I stated that our loan was 7 months old at the time and asked why would we refinance a new loan at a higher interest rate. He then asked me if I would like to report loan as fraudulent and I said yes, absolutely! He emailed me paperwork that I needed to fill out and mail back. I was not told that my husband needed to fill it out as well. The information capital one required to claim loan as fraudulent was a notarized affidavit stating loan was fraudulent, a police report showing the account number or vin of vehicle and proof of identity such as a drivers license and social security card. I finally had all the paperwork to send to capital one the following week. To be on the safe side, I sent the paperwork registered mail so I would have proof of delivery. They received the information XX/XX/XXXX. I felt like I had things kind of squared away or at the very least everything was in progress of getting worked out. Oh how wrong I was! I went on Wednesday, XX/XX/XXXX to pay my husbands car payment. I always pay it at the branch, XXXX, near our house on my way to work. I am sitting at the drive through and its taking forever and the teller comes back and tells me that she cant find the loan that is attached to our car payment slip. She asked me to give her a minute and she double checked and came back and told me that the loan was paid off. It turns out, the day that I called to report the loan as fraudulent was the day Capital One disbursed funds which closed out our original loan. Which in turn, XXXX, transferred our title to Capital One. So the fraudulent loan now holds the title to my husbands XXXX. When I spoke to the fraud department with Capital One, I asked if they could explain their loan process to me. For example, do they require proof of identity before approving and disbursing funds. I was told, it depends on the clients. In some cases, only a signature is required. I asked for a copy of the loan application and they did not release it. The detective we have working on our case filed a warrant to get a copy of the loan application. The detective called me after reviewing the report and said that the application had a deceased persons phone number, our signatures that were forged ( which was missing the r in our last name ) and that was it. Our address was correct and they used my email address that I just created in XXXX. Capital One did not require any proof of identity! As of Thursday, XX/XX/XXXX, Capital One has still not flagged the loan as fraudulent even though they have a copy of our police report and had to release information based on warrant to the detective with XXXX XXXX XXXX XXXX. Now they are asking my husband for the same paperwork that I already submitted. To my understanding, they want a copy of my husbands drivers license and social security card. My husband spoke to Capital One Auto Finance again this evening, XX/XX/XXXX, and they still have the incorrect information listed for the fraudulent loan. The information they have is the original loan documents that are fraudulent. Capital One Auto Finance still has my husbands birth year wrong, the loan document says he is XXXX XXXX XXXX than he actually is. Capital One Auto Finance also still has the incorrect phone number listed, a prepaid phone with a Hawaii area code. He has corrected them at lest a dozen times. Capital One Auto finance told my husband that they would be willing to send the title back to our original lender if our original lender would reinstate our loan. In turn Capital One Auto Finance would expect XXXX to send the money back that they received from Capital One. After going back me forth between Capital One and XXXX, it doesnt seem like anyone is wanting to budge because they dont understand why someone would do this. XXXX also wants to understand how the loan got approved which Capital One was not willing to disclose with our original lender. We are at a standstill while both institutions are pointing fingers at one another and not willing budge. Meanwhile, since the account is considered legitimate with Capital One Auto Finance, my husbands vehicle is going to be scheduled for repossession in the near future.
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My debt was sold to a third party and it does not show as paid. It is supposed to be shown as paid for less or paid since it was already paid when the debt was sold. Accounts- XXXX, capital one
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I have Witnessed a charge off on my credit report, regarding CAPITAL ONE on Account/Reference No. XXXX. are in trespass of XXXX XXXX XXXX and his private information. Under the Privacy Act of 1974 there was a violation on CAPITAL ONE charge off which discloses reported Transactions History to XXXX, and XXXX, which I did not consent too. It is Illegal to report Transaction History According to the Privacy Act of 1974 and Security Fraud for selling my contract to another lender. Which is a violation with the Consumer Financial Protection Bureau. I am requesting CAPITAL ONE- to remove any and all Transaction History According to the Privacy Act of 1974, and inaccuracy on Account XXXX XXXXXXXX with XXXX, XXXX, and XXXX or I will be forced to report you to Consumer Financial Protection Bureau. XXXX send me 1099 for this item for my tax purchase because my accounting is Requesting it because they saw it on my credit report as a charge-off. I would greatly appreciate all your help. XXXX2 CFR 1022.3 definition : identity theft means a fraud committed or attempted using the identifying information of another person without authority. A collection/charge off is considered a Certificate of indebtedness, CAPITAL ONE Securitize the account/ contract .certificate of indebtedness that specifies obligations of the borrower to the holder of the bond. The contract was securitize by the seller/creditor, which was purchased by the debt collector agency which voids out the contract with Original Creditor CAPITAL ONE for the breach of contract of the Electronic Funds Transfer Act of 1978 by not getting consent from party within contract XXXX, XXXX XXXX Authorized user doing business as XXXX XXXX XXXX and give notice of Electronic Transfer of the bond/contract principal debt to another Organization with out my consent and disclosure of electronic transfers activities between the two organizations seller Original creditor ( seller ) CAPITAL ONE and buyer. An error under Electronic Fund Transfer Act ( EFTA ) of 1978 and Regulation E includes any of the following : An unauthorized ( EFT ) Electronic Fund Transfer. An incorrect EFT to or from the consumer 's account. The omission from a periodic statement of an Electronic Fund Transfer ( EFT ) to or from the consumer 's account that should have been included. violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934. I request this account be Deleted immediately or I will be force to make a claim with Consumer Financial Bureau. 15 USC 1681 ( i ) ( a ) ( 1A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Remove CAPITAL ONE due to, violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934 and inaccuracy of information on my credit report on XXXX reporting account type as Collection and XXXX reported as open Account on credit report. 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. I am requesting CAPITAL ONE to Delete any and all Transaction History due to Privacy Act of 1974 and inaccuracy information on XXXX XXXX XXXX Credit report According to the Privacy Act of 1974 on Account # XXXX with XXXX XXXX XXXX XXXX and XXXX or I will be forced to report you to Consumer Financial Protection Bureau and make a complaint to XXXX XXXX XXXX XXXX " 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. The financial institution and the Consumer reporting agencies XXXX XXXX, and XXXX do not have my consent to furnish Private Transactions of history of any information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6809 ( 4 ) ( a ) Non Public Personal information- A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of USC title 15. ) 15 U.S. Code 1681s2 ( 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 U.S. 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 purposes listed under section 1681b of this title. XXXX, 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 any time. '' I am opting out any and all authorization I XXXX XXXX XXXX the consumer may have given you written and unwritten verbal and non verbal per 15 USC 6802. I am requesting CAPITAL ONE to delete any and all Transaction History due to the privacy act of 1934 and inaccuracy on Account # XXXX with XXXX XXXX XXXX and XXXX XXXX I will be forced to report you to Consumer Financial Protection Bureau with a civil money penalty {$1000.00} per violations, I wish for your company not to be in dishonor, but if so I have no choice but to sue and file a complaint with the XXXX XXXX XXXX XXXX 5 USC 552a : Except to the extent that a person has actual and timely notice of the terms thereof, a person may not in any manner be required to resort to, or be adversely affected by, a matter required to be published in the Federal Register and not so published I have Witnessed a charge off on my credit report, regarding CAPITAL ONE on Account/Reference No. XXXX. are in trespass of XXXX XXXX XXXX and his private information. Under the Privacy Act of 1974 there was a violation on CAPITAL ONE charge off which discloses reported Transactions History to XXXX, and XXXX, which I did not consent too. It is Illegal to report Transaction History According to the Privacy Act of 1974 and Security Fraud for selling my contract to another lender. Which is a violation with the Consumer Financial Protection Bureau. I am requesting CAPITAL ONE- to remove any and all Transaction History According to the Privacy Act of 1974, and inaccuracy on Account # XXXX with XXXX, XXXX, and XXXX or I will be forced to report you to Consumer Financial Protection BureauXXXX XXXX send me 1099 for this item for my tax purchase because my accounting is Requesting it because they saw it on my credit report as a charge-off. I would greatly appreciate all your help. 12 CFR 1022.3 definition : identity theft means a fraud committed or attempted using the identifying information of another person without authority. A collection/charge off is considered a Certificate of indebtedness, CAPITAL ONE Securitize the account/ contract .certificate of indebtedness that specifies obligations of the borrower to the holder of the bond. The contract was securitize by the seller/creditor, which was purchased by the debt collector agency which voids out the contract with Original Creditor CAPITAL ONE for the breach of contract of the Electronic Funds Transfer Act of 1978 by not getting consent from party within contract XXXX, XXXX XXXX XXXX XXXX doing business as XXXX XXXX XXXX and give notice of Electronic Transfer of the bond/contract principal debt to another Organization with out my consent and disclosure of electronic transfers activities between the two organizations seller Original creditor ( seller ) CAPITAL ONE and buyer. An error under Electronic Fund Transfer Act ( EFTA ) of 1978 and Regulation E includes any of the following : An unauthorized ( EFT ) Electronic Fund Transfer. An incorrect EFT to or from the consumer 's account. The omission from a periodic statement of an Electronic Fund Transfer ( EFT ) to or from the consumer 's account that should have been included. violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934. I request this account be Deleted immediately or I will be force to make a claim with Consumer Financial Bureau. 15 USC 1681 ( i ) ( a ) ( 1A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Remove CAPITAL ONE due to, violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934 and inaccuracy of information on my credit report on XXXX reporting account type as Collection and XXXX reported as open Account on credit report. 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. I am requesting CAPITAL ONE to Delete any and all Transaction History due to Privacy Act of 1974 and inaccuracy information on XXXX XXXX XXXX Credit report According to the Privacy Act of 1974 on Account # XXXX with XXXX XXXX XXXX XXXX and XXXX or I will be forced to report you to Consumer Financial Protection Bureau and make a complaint to XXXX XXXX XXXX XXXX " 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. The financial institution and the Consumer reporting agencies XXXX XXXX, and XXXX do not have my consent to furnish Private Transactions of history of any information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6809 ( 4 ) ( a ) Non Public Personal information- A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of USC title 15. ) 15 U.S. Code 1681s2 ( 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 U.S. 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 purposes listed under section 1681b of this title. XXXX, 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 any time. '' I am opting out any and all authorization I XXXX XXXX XXXX the consumer may have given you written and unwritten verbal and non verbal per 15 USC 6802. I am requesting CAPITAL ONE to delete any and all Transaction History due to the privacy act of 1934 and inaccuracy on Account # XXXX with XXXX XXXX XXXX and XXXX XXXX I will be forced to report you to Consumer Financial Protection Bureau with a civil money penalty {$1000.00} per violations, I wish for your company not to be in dishonor, but if so I have no choice but to sue and file a complaint with the XXXX XXXX XXXX XXXX 5 USC 552a : Except to the extent that a person has actual and timely notice of the terms thereof, a person may not in any manner be required to resort to, or be adversely affected by, a matter required to be published in the Federal Register and not so published I have Witnessed a charge off on my credit report, regarding CAPITAL ONE on Account/Reference No. XXXX. are in trespass of XXXX XXXX XXXX and his private information. Under the Privacy Act of 1974 there was a violation on CAPITAL ONE charge off which discloses reported Transactions History to XXXX, and XXXX, which I did not consent too. It is Illegal to report Transaction History According to the Privacy Act of 1974 and Security Fraud for selling my contract to another lender. Which is a violation with the Consumer Financial Protection Bureau. I am requesting CAPITAL ONE- to remove any and all Transaction History According to the Privacy Act of 1974, and inaccuracy on Account # XXXX with XXXX, XXXX, and XXXX or XXXX will be forced to report you to Consumer Financial Protection BureauXXXX XXXX send me 1099 for this item for my tax purchase because my accounting is Requesting it because they saw it on my credit report as a charge-off. I would greatly appreciate all your help. 12 CFR 1022.3 definition : identity theft means a fraud committed or attempted using the identifying information of another person without authority. A collection/charge off is considered a Certificate of indebtedness, CAPITAL ONE Securitize the account/ contract .certificate of indebtedness that specifies obligations of the borrower to the holder of the bond. The contract was securitize by the seller/creditor, which was purchased by the debt collector agency which voids out the contract with Original Creditor CAPITAL ONE for the breach of contract of the Electronic Funds Transfer Act of 1978 by not getting consent from party within contract XXXX, XXXX XXXX Authorized user doing business as XXXX XXXX XXXX and give notice of Electronic Transfer of the bond/contract principal debt to another Organization with out my consent and disclosure of electronic transfers activities between the two organizations seller Original creditor ( seller ) CAPITAL ONE and buyer. An error under Electronic Fund Transfer Act ( EFTA ) of 1978 and Regulation E includes any of the following : An unauthorized ( EFT ) Electronic Fund Transfer. An incorrect EFT to or from the consumer 's account. The omission from a periodic statement of an Electronic Fund Transfer ( EFT ) to or from the consumer 's account that should have been included. violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934. I request this account be Deleted immediately or I will be force to make a claim with Consumer Financial Bureau. 15 USC 1681 ( i ) ( a ) ( 1A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Remove CAPITAL ONE due to, violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934 and inaccuracy of information on my credit report on XXXX reporting account type as Collection and XXXX reported as open Account on credit report. 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. I am requesting CAPITAL ONE to Delete any and all Transaction History due to Privacy Act of 1974 and inaccuracy information on XXXX XXXX XXXX Credit report According to the Privacy Act of 1974 on Account # XXXX with XXXX XXXX XXXX XXXX and XXXX or I will be forced to report you to Consumer Financial Protection Bureau and make a complaint to XXXX XXXX XXXX . " 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. The financial institution and the Consumer reporting agencies XXXX XXXX, and XXXX do not have my consent to furnish Private Transactions of history of any information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6809 ( 4 ) ( a ) Non Public Personal information- A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of USC title 15. ) 15 U.S. Code 1681s2 ( 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 U.S. 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 purposes listed under section 1681b of this title. XXXX, 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 any time. '' I am opting out any and all authorization I XXXX XXXX XXXX the consumer may have given you written and unwritten verbal and non verbal per 15 USC 6802. I am requesting CAPITAL ONE to delete any and all Transaction History due to the privacy act of 1934 and inaccuracy on Account # XXXX with XXXX XXXX XXXX and XXXX XXXX I will be forced to report you to Consumer Financial Protection Bureau with a civil money penalty {$1000.00} per violations, I wish for your company not to be in dishonor, but if so I have no choice but to sue and file a complaint with the XXXX XXXX XXXX XXXX 5 USC 552a : Except to the extent that a person has actual and timely notice of the terms thereof, a person may not in any manner be required to resort to, or be adversely affected by, a matter required to be published in the Federal Register and not so published
Company Response:
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: There are several dates between credit card company, that claim that I have a debt owed to them. As I now know that by my signature I became the creditor, I do not owe a debt and whatever payment that came out of pocket should come back to me. I have sent severals forms of negotiable instruments to each company with no acknowledgement. As per House Joint Resolution-192 declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. '' HJR-192 prohibits payment of debt and substitutes, in its place, a discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the Constitution. Because of these reasons, I am making a complaint to all credit card companies that have been reporting late payments and have cause my credit score to decrease and also for not even acknowledging these facts not opinion.
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was out of the country and provided proof to CAPITAL ONE with my XXXX PASSPORT and stamps in my passport showing my departure date from the XXXX and return date. During this time frame, my personal information was used to obtain credit and I was never aware of it, until I looked at my credit report. I then filed a FTC report, and CAPITAL one is still saying they found no fraud, HOW IS THAT POSSIBLE when I was out of the country? They can not substantiate any documents or proof?
Company Response:
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was out of the country and provided proof to CAPITAL ONE with my US PASSPORT and stamps in my passport showing my departure date from the US and return date. During this time frame, my personal information was used to obtain credit and I was never aware of it, until I looked at my credit report. I then filed a FTC report, and CAPITAL one is still saying they found no fraud, HOW IS THAT POSSIBLE when I was out of the country? They can not substantiate any documents or proof?
Company Response:
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My XXXX XXXX account was closed by Capital One on XX/XX/XXXX even though I had been a loyal customer with on-time payments. I paid the annual fee of {$390.00} in XX/XX/XXXX and even though the bank closed my account they did not refund the annual fee. Basically stole the annual fee I paid.
Company Response:
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
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 trying to call the guy about this to capital one but they dont seem just didnt never seem to personally concerned about it. I am not able to reach anything but a chatbot. My card was charged XX/XX/XXXX XXXX Purchase - {$1100.00} XX/XX/XXXX XXXX XXXX - {$1300.00} XX/XX/XXXX XXXX XXXX - {$2400.00} I've started using this card less and checking it less but I was going to send the money to my brokerage to buy stocks then I see the money is not there and these XXXX purchases are not anything to do with me. {$5000.00}
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX CFO located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 2nd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX CFO located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 3rd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX CFO located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice. USPS Registered Mail Tracking # XXXX ( delivered on XX/XX/2023 )
Company Response:
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Capital One sent a fraudulent debt to a collection agency, XXXX XXXX. However, this is a fraudulent debt that I do not owe and am not liable for! Also Ive not been sent any information about any of this. I found out by other means which we can discuss at another time which I hope is soon because this major, complex issue is very damaging to me, my image, family, business etc. In any event upon discovering this collection I have tried in many ways and multiple times I have made phone calls to both to resolve this issue and erase it off of all credit reporting agencys that they have sent them to. It is a Fraudulent debt, by CAPITAL ONE that was sent also FRAUDULENTLY to XXXX XXXXXXXX who then, is FRAUDULENTLY attempting to collect such debt. They are both aggressive in ways towards me and very harassing/ threatening toward me. Again I DO NOT owe this debt! & they will not resolve this. My attempt to solve this issue has been unsuccessful with them so far but also I have been a professional about it and offered reasonable solutions. Both capital one and XXXX XXXX in fact, have not been and in many ways. They want money I DO NOT OWE, to either company. If I owed I would pay but I DO NOT OWE ANY DEBTS. To anyone. I hope we can resolve this issue by my simple request however If not, I understand! No hard feelings, and thats fine, for now. You have that right. I will just have to go by my attorneys advice which could and would be resolved by action such as a lawsuit against both companies, IF NOT RESOLVED by the time listed in statements. XXXX XXXX XXXX XXXX
Company Response:
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A