Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. Please review the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ). After you have finished my request, send me a copy of my credit report reflecting these changes.
Company Response:
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi, I opened a checking account with Capital One a few months ago. I have transferred money in. Now they wont let me make withdrawals form the account. They need me to verify my government id. But the online system keeps rejecting my id. There are no branches near where I live.I keep calling, waiting on hold for rep for 30 minutes, and keep trying online to get new link and get the same failure. This is unacceptable..
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Dear XXXX, My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me deleted these illegal accounts from my credit report. Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I sent a {$50.00} XXXX to a friend, her bank doesnt use XXXX and my money should have been returned after 14 days back to my account
Company Response:
State: VA
Zip: 24551
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Opt out letter sent to company revoking /rescinding any permission to report on my consumer report, letter sent on XX/XX/XXXX, it was received by them XX/XX/XXXX, gave them 10 days to comply and remove all entries on my credit report today XX/XX/XXXX is the XXXX day certified mail # XXXX
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am unable to convert rewards because their system doesn't allow it and they offer no manual work around.
Company Response:
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had funds wired to my checking account, received on XXXX XXXX, XXXX I attempted to wire the funds received to an external account. The wire was stopped and I was to call to verify information. On XX/XX/2023 I called and answered their questions to allow my account to be taken off hold. I again attempted to wire the funds to an external account, and again the wire was reversed, and a message on my account as follows - " Your funds are currently not available for withdrawal - call us at XXXX ''. My account has been in this state since XX/XX/2023. I have made hundreds of phone calls to the bank, only to have to leave a message that it will be returned in 24-48 hours. I have not received a return phone call. I have tried to call multiple phone numbers associated with Capital One customer service, only to be transferred around and around with no resolution. On one occasion, around XX/XX/2023, I spoke to a person after about an hour on the phone, and was only told " it's under investigation, and no date can be provided for resolution ''. I have bills to pay and this bank will not give me any information about why they are holding my money hostage and not allowing me to have access to my money. How can a bank do this to a consumer, especially after more than 30-45 days without explanation or any information whatso ever. The customer service with Capital One is NON-EXISTENT.
Company Response:
State: CO
Zip: 80537
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I paid my full balance in XX/XX/XXXX and I was charged XXXX $ on a XXXX balance in XXXX. I called they could not fix it or provide any information on why this is the case. I am not paying interest on a XXXX balance. This is stealing money from the customers with deceptive practices and I want them held accountable. I will not pay this and they will continue to add the interest charges a XXXX balance XXXX.
Company Response:
State: MI
Zip: 48813
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO OPT OUT OF REPORTING, DISCLOSING AND SHARING CREDIT CARD/ LOAN ACCOUNTS LISTED BELOW TO THIRD PARTY NONAFFILIATED THIRD PARTIES ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) To : Kohls, Capital One, XXXX, XXXX, XXXX XXXX et al. From : XXXX XXXX Date : XX/XX/XXXX RE : Notice to Opt Out as per 15 USC 6801- 6805 ; 16 CFR 313.7 ; and the Privacy Act of 1974 5 USC 552a This Notice to Opt Out is to inform Kohls/Capital One and nonaffiliated third parties, that I am now and forever exercising my rights as a federally protected consumer to opt out of having my private financial information i.e. Kohls store card ending in XXXX disclosed, reported and shared with XXXX, XXXX and XXXX XXXX et al. Any consent whether verbal, non-verbal, written that Kohls/Capital One, XXXX, XXXX, XXXX XXXX assumed existed never existed. In addition, as a consumer, my rights were intentionally violated by Kohls/Capital One and the nonaffiliated third parties ( XXXX, XXXX, XXXX XXXX et al ) as I was never provided with any conspicuous notice whether in electronic or paper format informing me of the right to opt out of any disclosures. I am also stating for the record that this is not the first time, I have exercised my rights by requesting that Kohls/Capital One and the nonaffiliate third parties cease and desist from reporting my non-public personal information. Therefore, by law the Kohls store card ending in XXXX must be immediately removed from the files of the nonaffiliated third parties XXXX, XXXX and XXXX XXXX within XXXX business hours. In addition, this correspondence and the prior correspondence will be entered into Court as evidence and used as a basis to seek enforcement, remedy and compensation for damages as I have repeatedly requested that my privacy not be violated by reporting, sharing and disclosing my confidential financial information without my written consent. This notice is also being filed with the Consumer Financial Protection Bureau because as 15 USC 6805 provides : Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection. According to 15 USC 6801 ( a ), a financial institution such as Kohls/Capital One has the continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. This clearly did not happen in my case as Kohls/Capital One without my knowledge and consent shared, reported and disclosed my confidential account numbers to various non-affiliates including but not limited to XXXX, XXXX, and XXXX XXXX XXXX According to 15 USC 6802 ( a ) Notice Requirements : a financial institution may not disclose a consumers nonpublic personal information to a nonaffiliated third party unless notice is given. In ( 1 ) ( A ) ( B ) ( C ) : the financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form that the consumer has the right to exercise the nondisclosure option. Kohls/Capital One never provided any notice explaining that I have the right to opt out but as the law provides me with this option I am exercising it anyway. The law in 15 USC 6803 clearly states that I have the right to be notified of my right to opt out at the start of the relationship with the financial institution and not less than annually. Kohls/Capital One never complied with this. According to 16 CFR 313.7 ( a ) Form of opt out notice to consumers ; opt out methods. 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. Furthermore 16 313.7 ( e ) under Time to comply with opt out states You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it and ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. By not complying with the requirement to provide notices of disclosure and the right to opt out, Kohls/Capital One has engaged in Unfair and Deceptive Practices. Kohls/Capital One is thus obligated to comply with my notice to opt out by immediately ( within XXXX hours ) removing the account ending in XXXX from the files of the nonaffiliated third-party agencies XXXX, XXXX and XXXX XXXX XXXX Kohls/Capital One, and these nonaffiliated third parties are civilly liable for conspiring to violate my rights by not informing me of my rights to opt out.
Company Response:
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I have added original complaint filed with XXXX as an attachment. I completed a XXXX XXXX and had paid off my vehicle and Capitol One had reported it was paid in full but would not send lein release, after my bankruptcy was closed without discharge due to a previous XXXX XXXX they recalculated my loan and now state my vehicle is not paid off. They say that if it was paid off before my bankruptcy was closed they have to consider it paid. I provided proof it was and got a response back that that did not matter, either pay or they reposse my vehicle. Then after me stating they had reported to the credit reporting agencies that it was paid in full, they then sent them an update and ruined my credit even further, I disputed and then they updated it to closed and a write off, however they still expect me to pay more and threatened to take my vehicle.
Company Response:
State: WI
Zip: 546XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A