Date Received: 2023-09-08
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2023, i was charged by XXXX 3 duplicate transactions, i asked my bank to refund me after the merchant refused to send me the refund. Capital One said it is an old one and can't revert back. i should be charged only one time instead of 4 times. ( XXXX )
Company Response:
State: MA
Zip: 01915
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
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: It starts 2020. They taking payment someone account. Also my account. When. Other people find and called me. To stop payment. So I call then. Please refund ther money to ther account and put balance on my account. They put balance on my account. But never returned money to other accounts. Like alo most XXXX. It capital one criedt card.
Company Response:
State: CA
Zip: 92505
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: A credit card account was open fraudulently in my name using my social name and date of Birth
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Subject : Dispute with XXXX XXXX - Case Number : XXXX I am writing to provide a description of the disputed transaction, as requested, without including any personal information. The disputed transaction initially occurred on XX/XX/2023, with XXXX XXXX, with a charge amounting to {$37.00}. The reason for this dispute is related to the fact that I have not received the merchandise/service that was supposed to be provided to me by the expected date, as initially indicated by XXXX XXXX XXXX On XX/XX/2023, the charge was adjusted, suggesting a resolution to the dispute. However, on XX/XX/XXXX, the same charge reappeared on my statement, but this time under the merchant name " XXXX XXXX XXXX CA XXXX XXXX. '' I had not authorized this charge, and it further compounded my concerns. Furthermore, on XX/XX/XXXX, the credit card company issued a " PURCHASE ADJUSTMENT, '' which indicated that they were attempting to rectify the situation. Despite these adjustments, the core issue remains unresolved, as I have not received the expected merchandise/service, and the charge continues to appear on my statement. Upon noticing the reappearance of the charge, I promptly took the following actions : I contacted XXXX XXXX customer support again to inquire about the unauthorized reappearance of the charge and the continued non-receipt of the merchandise/service. During my interaction with XXXX XXXX customer support, I reiterated the situation, emphasizing that the merchandise/service was not delivered within the promised timeframe. I also provided XXXX XXXX with all relevant details and information related to the transaction, including the date, amount, and any supporting documentation they may require. Despite my continued efforts to resolve the matter directly with XXXX XXXX, I did not receive a satisfactory resolution or a refund for the charge related to the undelivered merchandise/service. As a result, I initiated this dispute with Capital One to seek a fair and just resolution for the unfulfilled transaction and the unauthorized reappearance of the charge. I hope this updated description provides the necessary information regarding the disputed transaction, the adjustments that occurred, and the specific reason for the dispute, which is the non-receipt of the expected merchandise/service within the promised timeframe. If you require any further details or have any questions, please do not hesitate to contact me using the provided contact information. Thank you for your assistance in addressing this matter.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: All and any accounts 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 an account without my written instructions. 15USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
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 am writing to formally dispute several hard inquiries that have appeared on my credit report, which I believe to be unauthorized. The purpose of this letter is to request a thorough investigation and, if appropriate, the removal of these inquiries from my credit report. I have carefully reviewed my credit report from your bureau, dated [ XX/XX/XXXX ], and have identified the following hard inquiries that I do not recognize and did not authorize : XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Personal Loans Cos. XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + Music & Records XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I hat not had a Capital One account in over 15 years. I disputed with XXXX an they are believing this companys lies!
Company Response:
State: MI
Zip: 489XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize this company to run my credit, therefore i am requesting these inquiries be removed from my credit report.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A