Date Received: 2023-09-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX Capital One sent me a text message asking me if I made a purchase with XXXX for {$39.00}. I told them no, I then asked who was the merchant, and they told me a subscription to a dating website and it was in California. I live in Texas. They created case XXXX XXXX and restricted my debit card and they are sending me out a new one.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to Capital One XXXX. 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 Capital One 's customer service representative.
Company Response:
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX I noticed I had a collection from XXXX XXXX XXXX. The amount was {$4900.00}. They seem to have purchased a debt from Capital One. Two months before this account was opened my apartment was burglarized and many things including my identity was stolen. I filed a police report and sent it to XXXX. They did not remove the account! Thie account doesn't belong to me. Please contact XXXX and have them remove the account. Thank you! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I want to remove these hard inquires, I dont have accounts with them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On or around XX/XX/XXXX I received a notarized letter from a representative of capital one stating that Capital one had no open lien on my vehicle. I called capital one and was told that a mistake was made and I had been paying on a different vin number than my XXXX XXXX. I asked for clarification. They said that they accidentally put the wrong vin on my documents and that I was paying on the wrong account. They then went back and retroactively edited my payment history and changed the account numbers. I feel that this is absurd. That they shouldnt be able to go back and edit an agreement that was made. Im very upset and confused.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
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: XX/XX/23 : I paid an official XXXX XXXX taxi-cab with my CapitalOne XXXX card for a {$12.00} charge ( XXXX pesos ). The taxi driver confirmed the {$12.00} ( XXXX pesos ) but without my knowldge processed a {$1600.00} charge through another device. He could not provide me with a receipt. As soon as I stepped out of the taxi, I received a confirmation of the charge from CapitalOne asking whether the charge was legitimate or fraudulent. I immediately flagged the charge as " fraudulent '' and initiated a dispute with CapitalOne. By the time I realized the fraud, the taxi had departed. XX/XX/23 : I called CapitalOne, explained the details of the fraudulent charge, asked my XXXX to close my card and re-issue a new one. XX/XX/23 : I faxed/emailed/mailed via XXXX a letter detailing the fraudulent transaction to CapitalOne. XX/XX/23 : CapitalOne denied the dispute and closed the case without details.
Company Response:
State: CA
Zip: 94131
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I am writing to express my extreme frustration and disappointment with XXXX XXXX XXXX, which I believe are in clear violation of the Fair Credit Reporting Act ( FCRA ). My ordeal with this service began on Thursday, XX/XX/XXXX, at XXXX XXXX, when I submitted a request for my credit report. It has now been 10 days since that initial request, and I have yet to receive access to the information I am legally entitled to under the FCRA. The FCRA clearly stipulates that credit reporting agencies are obligated to provide individuals with their credit file information upon request once a year. I have been diligent in my efforts to obtain this information by repeatedly contacting early warning services. Despite providing proper identification, including a picture of my passport and Texas driver 's license, I have been met with nothing but obstacles and a complete lack of cooperation. To make matters worse, early warning services closed my login information without any prior notice or explanation, leaving me unable to reset my password or access my credit report. This action has resulted in an extreme financial burden, as I am now unable to monitor my credit and make informed financial decisions. It is abundantly clear that early warning services have not only failed to fulfill their legal obligations under the FCRA but have also caused significant harm to my financial well-being. I demand immediate resolution of this matter and access to my credit report as mandated by the law. Furthermore, I expect a thorough investigation into the mishandling of my request and the breach of my personal information, as this is a serious violation of my rights as a consumer. Failure to address these concerns promptly will leave me with no choice but to seek legal action to rectify this situation.
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: My information was used incorrectly to open credit cards. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of 5 accounts that are fruadulent.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received an email from CapitalOne on Thursday night thanking me for my application but I did not apply for anything. It is now showing up as a hard inquiry.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I called Capital One regarding my Walmart credit card ending in XXXX. A representative XXXX answered the call and enrolled me in a 90 day program for hardships. I asked more than once if my credit report could be affected specifically for 30 day derogatory reporting and he said several times no. He told me as long as my past due balance was paid within 90 days my account would be fine, return to current status with no negative credit reporting. I was extremely clear on my request and I asked several times. He even stated on that day that my account was 23 past due. I replied that the account was 29 days since the payment was due on the XXXX of XXXX to which he explained about statement dates and assured me the account was 23 days past due as of XX/XX/2023. Before I got off the phone with him I paid {$25.00} and he confirmed receipt of the payment. There was no amount given to me to enroll and he stated any amount was fine. Today my credit reports are reflecting 30 day derogatory marks. I would like these derogatory marks to be removed and the call with that CaptialOne employee to be pulled to listen to what I am staying as facts. I did call today and ask for a XXXX rep who submitted a claim on my behalf. I know my account is past due but I have always made my payment before the deadline and I only inquired about the hardship program because I received a notification on the CapitalOne app. Please note that none of my statements reflect a past due amount, only a minimum amount due so I have to either call to get that amount or reference past payments. In addition since the rep told me I had to make the minimum with 90 days, I even made an additional {$50.00} payment on XXXX XXXX XXXX. I would like this corrected please as I did exactly what the contracted rep stated.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A