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 : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX. XXXX XXXX Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX XXXX located at : XXXXXXXX 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 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX XXXX located at : XXXXXXXX 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 XXXX located at : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XXXX I was informed by a Company that was investigating Capital One and they were adamant on me Not making anymore Payments to Capital One. " I'm sorry that I do not remember the name '' I do remember being a little hesitant so my husband and I look into article reading, news searching and looking up this Company that contacted me. After much research, we found that Capital One was in a type of Cyber Activity and I was effected. So I did contact Capital One and received No info on anything! I stopped paying as I was prompted to do by this Company. Capital One did send me a email payment reminder and I never heard anything else, I have received credit card offers but No acct information. When I logged on Capital One app, it had/ has No account information at all such as amount due, past due, risk of collections ECT. I Do pay bills but I really try not to create bills I'd rather pay cash for things. So XX/XX/XXXX Out Of Know Where I recieved a Civil Court Notice from my local Judicial System " I unfortunately know all Judges well as I am Property Investment Owner '' I place the Court letter in office waiting for Capital One to open phone lines. My husband not remembering this situation from XXXX, calls the law firm on court paper and he pays in full. My husband doesn't have a clue what this is about but " we '' never want our name in a negative way in the court system so I come home and I'm being asked what is this debt? He's concerned not knowing what's going on and I'm a bit confused about it so I try calling with a high demand in calls, I was # 18 on wait! Know one answered after holding on speaker phone for more than 20 min. I tried multiple times to email them, haven't heard anything, I have sent " feedbacks '' multiple times with No response, I have disputed this non sense on credit report numerous times in numerous different categories and that hasn't changed. I received a email on XX/XX/XXXX cc : Payment Plan to Capital One and my private attorney informed us not to participate in this since we have No account number, balance or any information.
Company Response:
State: PA
Zip: XXXXX
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: Capital one closed my account. I pay on the account more than what is required. I submitted a payment on Friday and they tried to pull it from my account on Sunday. My bank declined it because I had not put the money in the account. Nobody usually does anything on Sunday so I was completely unaware. The card also had cash back rewards and they just took that.
Company Response:
State: GA
Zip: 30043
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 with fraud alerts or security freezes
Subissue:
Consumer Complaint: Someone using my information applied for a Capital One Venture card without my consent and also had a hard inquiry on my credit report. This was a fraudulent application
Company Response:
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: ON THIS DATE I DISPUTED THESE CHARGES WITH MY BANK CAPITAL ONE XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX : Billing Inquiries Re : Notice of disputed charge to Account No. Ending XXXX or XXXX Dear XXXX XXXX : I am writing to dispute a charge of {$50.00} to my debit card account on XX/XX/2023. The charge is in error because my identity was stolen and there where several charges on my account and one of them was yours I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Please correct the error on my account promptly. Sincerely, XXXX XXXX ALSO THIS COMPANY TO MY BANK XXXX XXXX XXXX ( call or text ) : ( XXXX ) XXXX THEY WAS SUPPOSED TO SEND ME THE REFUND, NEVER GOT IT I RECEIVED A EMAI FROM MY BANK TODAY SAYING THEY ARE TAKING BACK THE CREDIT THEY GAVE ME DUE TO THE COMPANY OR COMPANIES HAVE PROVEN THEIR CASE THIS WAS IDENTITY THEFT WHEN I LOST MY INFORMATION BACK IN XXXX AND GOT A POLICE REPORT
Company Response:
State: IN
Zip: 46815
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Accounts are closed and were sold to another company without my consent which is identity theft I want them removed immediately!
Company Response:
State: SC
Zip: 29501
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 with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MN
Zip: 55303
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a 47.6k purpose.
Company Response:
State: IL
Zip: 60115
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 with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.CAPITAL ONE XXXXXXXX, and XXXXXXXX XXXX XXXX XXXXXXXX as these items were showing late payments on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response:
State: CA
Zip: 90815
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I continue to get a calls from people stating they are calling me from a law firm and are about to file a legal complaint out of XXXX XXXX XXXX. They state a loan was taken out with Capital One but will not provide the alleged date of when the so called loan was taken out. They stated that they can see I have a credit card with Capital One when I in fact do not have a Credit Card with Capital One. They attempt to intimate me by continuing to state they know my address and social security number. They have stated that information and I am unsure on how they got access to my personal information. They are threatening to file a legal complaint against me along with sending me to collections.
Company Response:
State: CA
Zip: 90031
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A