Date Received: 2023-09-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent a letter requesting that this item is removed from my credit file. The item in question is Capital one Auto Finance, for an automobile. I sent a letter to the finance company, and I also sent a request to the the credit reporting agency XXXX. This item is listed as a charge off, for {$13000.00}. It is also, reporting separately as discharged through a bankruptcy. The internal Revenue Service, defines a charged of debt over {$600.00} as cancelled debt. You have to pay taxes on cancelled debt, because it turns into income. This financial institution never sent me a cancellation of debt form to file. It was never mailed to me, or discussed over the telephone regarding this account. A cancellation of debt turns into income, when reported on a tax return. Income is not reported in a consumer report. A charged off account over {$600.00} reporting to my consumer report is Tax Fraud. I never received a cancellation of debt form to file. According to US Code 1681 ( e ) subsection ( b ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assume maximum possible accuracy of the information, concerning the individual about whom the report relates to.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: When requesting a credit increase from Capital One they deny the request and give a false reason for the denial.
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have two accounts, one with the account number ending in XXXX associated with XXXX XXXX XXXX XXXX, and the other with the account number ending in XXXX linked to Capital One Financial Corporation. Both of these accounts had 1099-C forms filed and accepted by the IRS on XX/XX/2023, and XX/XX/2023, respectively. I recently contacted XXXX to inform them about the IRS-accepted 1099-C forms and the resulting classification of these accounts as taxable income by the IRS. I believe it is worth noting that it may be considered irregular for a credit reporting agency to report income. During my conversation with an XXXX representative, I was informed that they can not remove these accounts without validating the accuracy of the 1099-C information with the data furnishers. Please advise on how best to proceed in resolving this matter.
Company Response:
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received multiple messages about receiving a credit card. I requested to be unsubscribed ( even waiting the requested 10 days ), wrote them a letter requesting to be unsubscribed, yet continue to receive emails.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
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 am writing to bring to your attention a serious and concerning issue I recently encountered with Capital One concerning fraudulent activity on my credit card account. I believe that Capital One 's handling of my situation demonstrates a reckless, unfair, and possibly illegal position that fails to meet its responsibilities under federal consumer protection laws, including the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), as well as its obligations to me as a consumer. -- Timeline of Events -- -- Incident with XXXX On XX/XX/2023, I received a package from XXXX containing items that I did not order. After contacting XXXX, I was informed that another customer had placed an order using my credit card information, but that due to privacy regulations, they could not disclose further details about the account in question. XXXX instructed me to report the matter to my credit card company. -- Interaction with Capital One Immediately after my conversation with XXXX, I contacted Capital One to report fraudulent activity and to cancel my current card for reissue. Despite providing all the relevant facts, Capital One concluded a cursory investigation, stating that the charges were legitimate because they were shipped to my address and were from a retailer with whom I had previously conducted business. I participated in a three-way call with XXXX and Capital One, where XXXX again confirmed that the order came from an account unrelated to me. However, Capital One continued to dismiss my claim. -- Key Issues : Failure to Conduct a Comprehensive Investigation : Capital One failed to adequately investigate the situation, taking into account only the shipping address while ignoring other relevant facts. Ignoring Documentation and Third-Party Confirmation : Even after a three-way call with XXXX, who confirmed the fraudulent activity, Capital One dismissed the evidence provided. Violation of Consumer Rights : Capital One 's actions seem to be in direct violation of the XXXX and XXXX, which require credit card companies to properly investigate disputes related to " unauthorized charges. '' -- Request for Action I am seeking immediate reimbursement of the fraudulent charges : {$140.00} from XXXX dated XX/XX/2023 {$100.00} from XXXX dated XX/XX/2023 I hope that the FTC will take prompt action to investigate this matter. I am more than willing to provide any additional information or documentation that may be necessary for your investigation. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, Complainant
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Capital One During Covid the conpany decided to close my credit card accounts due to stated not being payed. I reached out to the company about the covid relief payment plan system and was denied access to speak to a representative. During this time minimal postal services individuals was no longer working due to them being cut from their jobs during CoVID https : XXXX As mentioned I tried to communicate with them and they told me go into the banks to verify my information using my ID and during that time I was not able to do so. https : //www.capitalone.com/updates/coronavirus/ https : XXXX But for myself they did not I still am being told that I am owed the debt which is understandable but there should have been some type of options avaliable to me as they were for other customers. I also reported this information to XXXX for their review and still did not follow up with removing such pretentious items from my credit. The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act As stated by XXXX in black and white print : Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Student Loan Information on Accounts : Closed accounts that are still reported as open Inaccurate payment reporting Incorrect status reported Loans listed as delinquent that shouldnt be Loans listed as in default that shouldnt be Individual loans displayed multiple times Loans listed under your name that you didnt take out
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: under federal law 15 us code 1681 a strictly forbides any information that can be released to the credit bureaus. I want the late payment information deleted off of all the credit reports.
Company Response:
State: IA
Zip: 510XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company continuously calls me from a variety of different numbers daily attempting to record my voice as they illegally brought my debt from XXXX XXXX XXXX.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
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: Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To the Transaction Fraud Support Center, Case Number : XXXX In response to your letter dated XX/XX/2023, I present you with the following compelling evidence regarding the fraudulent charge placed on my credit card by the Taxi Driver. I request your thorough investigation and prompt resolution of this matter. XXXX. DetailedAccountoftheIncident : DuringmyvacationinXXXXfrom Wednesday, XX/XX/XXXX to Monday, XX/XX/XXXX, I experienced the fraudulent charge in question. On XX/XX/XXXX, my sister and I concluded a boat tour around XXXX XXXX local time. Since there were no available XXXX services at the disembarkation point, we hailed a taxi with a green light on the top of the vehicle indicating it was open to passengers to take us back to our hotel. XXXX. TaxiDriver'sDeceptiveActions : Thetaxicabweencounteredstatedthatonly credit cards were accepted and would accept NO CASH which we didnt initially think was a problem. But clearly, he was setting us up for fraud from the moment he picked up 2 American female tourists. Additionally, when the driver dropped us off, he intentionally drove past the hotel and stopped several buildings down, across the street, potentially to avoid surveillance cameras or being identified by hotel staff. 3. UnusualPaymentProcedure : AtnopointduringtheridewasIinformedthat the taxi driver would not be using a conventional passenger swipe or touch- pay machine. To my surprise, I arrived at the hotel approximately 10-15 minutes later and realized that the driver was not using a typical payment terminal. Instead, he demanded that I give him my credit card and proceeded to charge us. The cost that was shown to me on his phone was XXXX Euros, I added a XXXX XXXX tip, totaling XXXX Euros. The driver swiped the credit card using a 'XXXX XXXX attachment on his cell phone, and he returned the card to me after the transaction. Being in a foreign country, we didnt know whether this was standard practice or not. As my sister and I began walking across the street, the Capital One payment alert on my phone indicated an unauthorized charge of {$950.00}, which brought this fraudulent activity to my attention. 4. LackofSignatureVerification : ItisessentialtonotethatIwasneither requested to sign any document nor did I sign anything during this transaction. The forged signature on the fabricated receipt you provided to me by the catering company does not match my actual signature, which I have provided as evidence by including a copy of my passport signature page. Additionally, the driver did not provide me with a receipt, as I have always relied on notifications from my credit card company as proof of payment. 5. SwiftReportingtoCapitalOne : UponreceivingthefraudalertfromCapital One, I immediately contacted their Fraud phone number, and the conversation was recorded. The representative advised me to cancel the card, but since I was in XXXX, they said Capital One couldn't deliver a new card anywhere out of the USA. Since I needed to continue to use my credit card, Capital One instructed me to lock the card using the mobile app, which I did immediately. The representative further advised me to cancel the card upon returning home, assuring me that a replacement card would be sent. Additionally, they indicated that I would be able to easily address this fraudulent charge once I was back in the USA. 6. InexplicableResponsefromCapitalOne : However, Iamdeeplydisappointed that when I contacted Capital Ones Fraud Department to request the cancellation of the compromised card and the issuance of a new one, I was inexplicably told that it was not recommended. This contradicts all logical reasoning, as the card has already been compromised, and replacing it is the standard course of action in such situations. Additionally, the representative told me that they had a legitimate signed receipt of the charges and that it was my word against theirs. I had to call Customer Service Fraud a second time days later to find a representative who canceled my card and sent me a new one. 7. SupportingEvidence : Tostrengthenmycase, Ihaveattachedthefollowing supporting evidence for your consideration : Itinerary : A detailed itinerary clearly indicating my presence solely in XXXX during the mentioned dates. Time-Stamped Photos : Photographs of my sister and me on the boat ride in XXXX, which demonstrate our location until XXXXXXXX XXXX not ordering catering from a foreign country. Cell Phone Call Record : A record of my phone calls on the specific date, confirming my presence in XXXX. Explanations to Disprove the Fraudulent Charge : I would like to reiterate the following crucial points, which eliminate any possibility of my involvement in the fraudulent charge : I did not make any purchases in or from anyone/company in XXXX, and there is no legitimate reason for such a transaction to appear on my card. I did not sign any credit statements, especially not in a language other than my native language which is XXXX. The receipt you have has a fraudulent signature. I have provided a copy of my passport signature, which I have provided as evidence. I have no acquaintances or connections in XXXX, and I have never visited the country. I have no personal connections in XXXX, further negating any involvement in the fraudulent charge. I have no need for catering, I had no events that would necessitate ordering catering in XXXX. I would never sign an agreement not in XXXX. In addition, in the document you sent to me called disputed transaction from the vendor, the last paragraph refers to me as his card. It is clear that this vendor was receiving payment from a male, not from me a female. 1. LogicalInconsistency : Consideringthecircumstancessurroundingtheincident, it is inconceivable that a mere 10-15 minute taxi ride in XXXX, XXXX, between a boat ride on the XXXX XXXX and my hotel room, could result in a catering event in XXXX, amounting to an additional {$950.00}. This absurdity further supports the claim of fraudulent activity. I called Capitol One immediately to report the fraudulent charge which is recorded. 2. RequestforFairResolution : Basedontheinformationprovided, IbelieveI have provided substantial evidence to establish the fraudulent nature of the charge. I urge you to thoroughly review the recordings of my initial report in XXXX and consider all the evidence. I expect that upon careful evaluation, you will overturn this charge. 3. AppealsProcess : Intheeventthatmyclaimisnotresolvedsatisfactorily, I kindly request information regarding the appeals process. If necessary, I am prepared to pursue legal action to protect my rights and rectify this fraudulent charge. 4. AnticipatingYourResponse : Ieagerlyawaityourfindingsandreply, ensuringa prompt resolution to this matter. Please do not hesitate to contact me for any additional information or clarification that may assist in filling any gaps in the evidence. Thank you for your attention to this matter.
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: A hard inquiry has been on my account since XX/XX/2022 from Kohls and I dont recognize it and I believe it impacted my score and dropped it and it shouldnt be on my credit report I have never used any credit cards from kohls or anything.
Company Response:
State: OR
Zip: 97058
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A