Date Received: 2023-09-13
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: TX
Zip: 75050
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received an email today notifying me that capital one closed my card due to inactivity. I never received any notification nor email prior advising this. They also did not call nor mail me anything. I called and they said i have to re apply and can not re open. This is a way for them to grow there sales and is not right.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
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: On XX/XX/2023, I went to the XXXX XXXX XXXX at XXXX XXXX in XXXX to pick up my prepaid mid-size SUV. When I got there, the place did not have any mid-size SUV. The booking reference number is XXXX and I prepaid {$440.00} USD with my Capital One Visa credit card. XXXX had committed to provide me with a mid-size SUV, but they did not provide the vehicle because there was none available. I was left to scramble and find another vehicle. I was able to take an XXXX from XXXX XXXX to XXXX XXXX XXXX where I was able to secure a mid-size SUV. After the trip, I open dispute case XXXX with Capital One to get a refund on my prepaid vehicle, but my dispute was denied because an employee at XXXX had change the record to say I was a " no show. '' I was not a " no show '' and definitely went to the location to pick up the vehicle. I have records that show I was in the vicinity and I needed a car. Please see the attached XXXX receipt from XXXX XXXX and my car rental agreement from XXXX XXXX XXXX. If I was in the vicinity and I needed a car, there is no reason for me to not show up, only to go get a more expensive vehicle at the airport. Capital One refuses to continue with the dispute unless I can provide a cancellation receipt. I do not have a cancellation receipt as I did not cancel. It is the car rental company that did not provide the service that they had promised.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Capital one is reporting a balance on a charged off account they have sold to a collection agency. Who is also trying to get a balance. I have asked for validation of the debt which I have not received. This is a violation of my rights.
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I called Capital One about an hour ago. XXXX XX/XX/2023 spoke to supervisor XXXX Id XXXX XXXX Told her I have XXXX and that This XXXX was protected under The Americans with Disabilities Act. I asked her for a reasonable accomidation. That is was overwhelming for me to get my credit reports and to send a letter to Capital One. I told her I was about ready to XXXX XXXX XXXX XXXX XXXX XXXX... I told her I was XXXX And she laughed at me and hung up on me. The call was recorded so I want you to listen to it and I want an appology. If I do not get a personal appology then I will also be filing a discrimination complaint with the Americans with Disabilities Act. The letter below I filed against XXXX but there has been no response so I am going directly to Capital One and asking you to take this off of my credit. I was looking to be prequalified for a credit card. One that did NOT .... repeat did NOT do a hard pull but instead did a SOFT PULL. I specifically did this simply in order to get an idea of just where my credit worthiness stood and whether or not I need to do anything to my credit report that needed attention. I had no intention of actually getting the card if approved because I did not want a hard pull done on my credit because I have intentionally NOT applied for a card for almost two years because I want to get a card with XXXX and they are very strict about how many cards you can get within two years and still be able to to obtain a card with them. I googled Pre-Qualify for credit cards and one of the options was XXXX XXXX XXXX XXXX I read the page and decided to Pre-Qualify for a Capital One. ( A company I already have a XXXX Card with ... This would be a good test I thought. ) So I did a pre-qualify for the Quick Silver Card and was denied. Later that day I had receive an email saying that a hard pull had been done on my credit. I immediately called Capital One to inform them the I have not authorized a hard pull on my credit and they said there was nothing they could do and I had to contact XXXX to straighten this out. I went to XXXX and via the contact button on their site I sent the following message to them. " Hello I found your webpage online when looking for soft-pull preapproval and I clicked on : Capital One Credit Cards With Soft-Pull Preapproval I clicked on the Quicksilver card ( A Capital One Card ) and for some reason was declined. I have a XXXX plus credit score. Later when I checked my email it said someone had done a hard-pull. I checked and Capital One had done a hard-pull. I contacted them and they said I had to contact you to get this straightened out. Please have this hard-pull removed from my credit. I have not applied for a credit card for almost two years so I could have 0 inquiries on my credit so I could be sure to have the best chances of obtaining a Chase credit card. I have been very adamant about being carful and patient.. If I am not contacted within 3 days telling me this has been removed then I will be filing a complaint with the Consumer Financial Protection Agency. I will also include in that complaint Capital One as well. Thank you for you immediate attention to this very distressing matter. Please contact me by email and if you like by phone. Definitely by email for sure. Sincerely, XXXX XXXX XXXX XXXX '' They never go back to me but instead apparently just ignored me. That is why I am here filing this complaint. If you go to the page below you will see that it is for soft pull Pre-qualify for credit cards for a number of companies. XXXX XXXX XXXX And yet when I did a pre-qualify the next thing I know I had a hard pull on my credit. Please let me emphasize that there is no way I would have done this if I thought there would be a hard pull just for the Pre-qualifying part. I understand that if you continue with the application after being preapproved then there is a hard pull. I would not have taken it to that point because I want 0 inquiries when I apply for my XXXX card ( s ) I have also contacted the three buraus and I have not been able to get them to remove the inquiry as well. I filed a dispute with XXXX and they gave me a 32 page report that was filled with obfuscations that I could not interpret. 32 pages to say we removed the inquiry or we did not remove the inquiry! I have XXXX and was totally overwhelmed and confused. I checked my latest XXXX report and it is still there so It looks like they are just giving me lots of legal jargon that is meaningless to me.
Company Response:
State: AZ
Zip: 85029
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are ( 2 ) Hard Inquiries on my XXXX credit report that I have no knowledge of. " I did not '' make theses inquiries and " I did not authorize '' anyone to do so on my behalf. May I please have these unauthorized inquiries removed from my credit report. The dates of these unauthorized inquiries are : * ( XXXX ) XXXX XXXX Capital One ( bank ) * ( 2 ) XXXX XXXX Capital One ( bank ) Thank your your time.
Company Response:
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Capital One 's abrupt policy change to only accept bank routing numbers for credit card payments has unfairly led to late fees, harming customers and potentially damaging their credit scores
Company Response:
State: CT
Zip: 06053
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
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: On XX/XX/2023 I made an online purchase using my Capital One XXXX on website www.millerevan.com in the amount of {$73.00} for a mens belt. I never received the item and the vendors email portal does not function and they do not have a phone number for me to contact them as I tried to cancel the order minutes after the transaction was place, suspecting fraud when the charge appeared on a XXXX account in the name of XXXX XXXX. I contacted capital one to dispute the charge and they, in turn, contacted the vendor. The vendor claimed that they had sent me the merchandise but provided no tracking information or documentation of any sort yet Capital One sided with the vendor. I am much more concerned about Capital Ones failure to do due diligence on this vendor ( as opposed to simply taking their work for it ) than recovering the money.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX ****To begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis- information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. ( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). ( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( XXXX ). ( c ) I do NOT have any mandated OTHER SSNs and I do NOT covet any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( XXXX ). ( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( XXXX ). ( XXXX ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( XXXX ). ( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( XXXX ). ( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( XXXX ). Destination of my Consumer Complaint is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Consumer letter to PHYSICALLY CHECK for replete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully undoubted, CORRECT, Complete, TIMELY, and or elsewise VALID as recorded and additionally as mandatory ensure that any injurious claim is PERFECT and Complete in its CERTIFIED XXXX XXXX FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY authentic ACCURATE entire VERIFIABLY VALID and CERTIFIED as such is a MINIMAL necessarily of lawful reporting NOT AN OPTIONAL ONE! I as well use this notification to contest ignorant or elsewise with deviation ( s ) allegations regardless of reason of dereliction. My document here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( XXXX ) reality of collect- ability or not! To Whom it Concerns, I am in receipt of a ongoing credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( XXXX ) versus me, particularly if currently announced item ( XXXX ) are potentially deficient of the mandatory detail evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the unabridged and perfect certified XXXX XXXX format reporting standard ( XXXX ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to cling to or regain compliance of reporting no later than 20 days from your receipt of this lawful note of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( XXXX ) and or debt ( XXXX ). Let it be in clarity that I am well aware of the FACT that absent juridical authority or a written agreement between us that you can not force me to conduct any business interaction ( XXXX ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as purported on my Current consumer credit profile Page 2 history by eradication and or removal from reporting the delinquently divulged item ( XXXX ) of : Consumer 's Primary Name XXXX XXXX XXXX REMOVE the display reported Consumer 's Former Names ( s ) of - and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Former Names is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. REMOVE the display reported Consumer 's Other Names ( XXXX ) of - and - and - as my XXXX REPORTED CURRENT CORRECT COMPLETE Consumer 's Other Names is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. Consumer 's Current Residence : XXXX XXXX XXXX XXXX GA XXXX Personal Identifier Information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE the display reported Consumer 's Current Residence ( XXXX ) of XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated Consumer 's Reported Employer ( 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 REMOVE the display reported Consumer 's Reported Employers ( s ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Reported Employers is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. Consumer 's Birth Year : XXXX XXXX XXXX Consumer 's Birth Year : XXXX XXXX XXXX XXXX XXXX XXXX Consumer 's Birth Year : D XXXX I XXXX I XXXX XXXX Page XXXX REMOVE the display reported Consumer 's Birth Year ( XXXX ) of XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Birth Year : is XX/XX/XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. Please utilize the following XXXX to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required XXXX Base Segment Character Format XXXX Header Record ... XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Record ... XXXX Header Record Packed Format XXXX Base Segment Packed Format XXXX Trailer Record Packed Format XXXX Data Furnisher # XXXX XXXX Data Furnisher # XXXX T XXXX XXXX essentially stands for Not XXXX Translated within Cra/and or is Unknown F XXXX XXXX XXXX XXXX Missing but Required Reported XXXX Potential XXXX XXXX Inconsistent XXXX Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act XXXX Potential Violation CAP ONE AUTO XXXX XXXXXXXX XXXX XXXXXXXX XXXX CAPITAL ONE AUTO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX V Installment Account Auto Loan -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPONEAUTO 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 XXXXXXXX Joint Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX Data Reporter City, State, and Postal Zip Code D XXXX XXXX Reporter Telephone Number D XXXX Data Reporter Identification Number XXXX XXXX^ Item 's Subscriber Number U XXXX Activity Date D XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX Portfolio Type ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : XXXX XXXXXXXX Scheduled Monthly Payment Amount : XXXX XXXX Account Terms Frequency XXXX XXXX XXXXXXXX Account Terms Length : XXXX XXXXXXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : XXXX XXXX Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : XXXX XXXXXXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status : ^XXXX^ Account Status Information : ^XXXX^ Account Rating : XXXX XXXX Payment Status : XXXX Payment Rating : XXXX CAP ONE AUTO XXXX XXXX XXXXXXXX XXXX Installment Account Auto Loan -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed -- XXXX XXXX XXXX XXXXXXXX Joint Joint Auto Loan Auto Closed Paid Closed Paid Closed Paid Loan Current N/A Unknown N/A Page XXXX ^XXXX^ Date of Account Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Dispute Status : ^XXXX^ Date Last Verified : XXXX XXXX Creditor Remarks : XXXX Two-Year Payment History N/A N/A Account not disputed XXXX XXXX XXXX XXXX XXXX Account not disputed N/A Account was in dispute - now resolved - reported by subscriber. N/A N/A Account not disputed N/A Closed or paid account/zero balance 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 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 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 Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards XXXX of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( XXXX ) of claim ( XXXX ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned XXXX XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : As for the item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX are one, two, or each in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per CRRG3-4 ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any XXXX XXXX Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent! Bearing attention to the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness! In regard to item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is one, each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its regulatory mandates as its a XXXX XXXX non for compliant reporting and as such are one or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability! In cognizance to the item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for XXXX, XXXX XXXX for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry XXXX XXXX XXXX XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! Bearing attention to the item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of Page XXXX their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes deficient of its exigency of reporting Appropriateness! Bearing attention to the item questioned above, Account Credit Limit reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness! As for the item questioned above, Data Reporter Name reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX are XXXX, XXXX, or each in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of XXXX fields within any XXXX XXXX XXXX nor else wise in regard to this mandatorily accurately depicted data field, and as such are XXXX or more apparently deficient of its exigency of reporting assent! As for the item questioned above, Data Reporter Street Address reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX are XXXX, XXXX, or each in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of XXXX fields within any XXXX XXXX XXXX nor else wise in regard to this mandatorily accurately depicted data field, and as such are XXXX or more apparently deficient of its exigency of reporting assent! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Data Reporter Telephone Number D XXXX Data Reporter Identification Number D ^NTCU^ Item 's Subscriber Number U XXXX Activity Date D XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX Portfolio Type ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : D XXXX Scheduled Monthly Payment Amount : U XXXX Account Terms Frequency : U XXXX Account Terms Length : U XXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : Q ^NTCU^ Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : D XXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status : ^NTCU^ Account Status Information : XXXX CAPITAL ONE 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Dispute Status : ^NTCU^ Date Last Verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid Current N/A N/A N/A Account not disputed N/A - M Paid Current N/A N/A N/A Account not disputed N/A - M Paid Current N/A N/A N/A Account not disputed N/A Closed or paid account/zero balance 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 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 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 Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own XXXX XXXX Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete XXXX timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned XXXX XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In cognizance to the item questioned above, Activity Date reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! Bearing attention to the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for XXXX, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes deficient of its exigency of reporting Appropriateness! In regard to item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict! In cognizance to the item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for XXXX, XXXX XXXX for XXXX and as XXXX is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry XXXX XXXX XXXX XXXX XXXX Format XXXX, and as such are Page XXXX XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! In regard to item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict! In regard to item questioned above, Account XXXX XXXX reported as XXXX for XXXX, XXXX for XXXX, Not Reporting for XXXX and as such is XXXX, each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin XXXX non for compliant reporting and as such are XXXX or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability! In cognizance to the item questioned above, Data Reporter Name reported as CAPITAL ONE for XXXX, CAPITAL ONE for XXXX,- for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! In cognizance to the item questioned above, Data XXXX XXXX Address reported as XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for XXXX,- for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant
Company Response:
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/2023, I received a notification from XXXX XXXX that there was a new hard inquiry on my XXXX credit report. I viewed a copy of that report on XXXX website the same day and used their online resources to submit a dispute, indicating that I had not requested or approved any inquiry on my credit. Within a few hours, I received an email from XXXX noting that the inquiry was authentic and would not be removed. I immediately filed an additional dispute indicating that I believed the inquiry was fraudulent, again, indicating that I had not requested or approved an inquiry. Again, within a few hours I received an email from XXXX noting that the inquiry was authentic and would not be removed. As a result, I began the process of submitting a formal dispute with a Capital One, the creditor who had, according to the XXXX report, initiated the hard inquiry. On XX/XX/XXXX, I submitted all of the information Capital One requests for a dispute on their website via certified mail with return receipt along with a copy of the credit report with the inquiry in question highlighted and a signed letter requesting that the inquiry be investigated and reported to the credit bureaus as error or fraud. I also followed up with Capital One via phone and indicated that I was concerned the inquiry might represent fraud. I asked them to see if they could identify any new applications for credit associates with my identifying information. Multiple people I spoke with said that there were no applications in my name and that Id need to submit the dispute and wait on an investigation. As I had already submitted the dispute, I waited. One week late I called and was told the same information. Approximately 10 days after submitting the dispute, I received a letter from Capital One as a resolution to my case. The letter simply explained the three different kinds of inquiries that exist and did not identify the source of the inquiry on my report or mention any effort to report it as error or fraud. I immediately called again to follow up with them. The agent I spoke with said that she, again, checked multiple times for any new applications associated with my identifying information and could find nothing. She even went as far as to say that she would only be able to see new credit card application, not new applications for other lines of credit such as as a mortgage or auto loan. I asked her if there was a department I could speak with who could view any and all applications with capital one for any form of credit. She told me there wasnt and that Id have to call each department individually to follow up. However, she offered to start a new case for me, indicating that the previous case I had opened by submitting a dispute through the mail was essentially closed when they sent me the letter of resolution. She updated the new case with her search for any new applications and said she was submitting it for review. Again. I waited. About 12 days later I received two letters from Capital One. One of those letters was the exact same letter I received a couple of weeks earlier regarding the different types of inquiries. The second letter indicated that no abnormalities could be identified on my account and that Id have to work with the credit bureau. Having started my investigation into the inquiry by contacting the credit bureau and filing a dispute when I first received an alert that a new inquiry was present I, again, reached out to capital one. I explained the situation to several people, yet again, spent hours on the phone, and was eventually transferred to a woman who, within two minutes of collecting my identifying information, identified a fraudulent application for a credit card in my name in another state. She initiated the process of reporting that application and resulting inquiry as frudulent to the credit bureaus so that it could be removed from my report. The reason Im submitting this complaint is that Ive spent hours upon hours on the phone, stressing and agonizing over this inquiry. It has adversely affected my credit. And I have done everything that was requested of me by both the credit bureau and by Capital One. I followed the processes they have established for reporting and resolving these issue to their exact specifications. However, they have not held up their end of the bargain. They cant possibly say that two separate cases resulting into investigations into my accounts with Capital One were completed and didnt identify anything, when one woman in two minutes identified and corrected the issue that dozens of other people had been unable to find for the more than thirty days prior to that. I feel it was by sheer luck that I ended up speaking with the right agent today, and its appalling that if I had given up and just accepted what both Capital One and XXXX were telling me, I would have had to have lived with the fraud and the resulting effects on my credit. Both Capital One and XXXX failed to protect my financial health appropriately. Its only because I wasnt willing to give up, and kept pushing that things may end up being resolved. This can not happen to other consumers.
Company Response:
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A