Date Received: 2023-08-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I am going through a separation and financial hardship related to such matter. I have contacted XXXX XXXX in XXXX, VA on several occasion. Paid to have trouble shooting to the vehicle and they have failed to respond. My husband was in possession of vehicle prior to the separation and no the transmission seems to be slipping. We are going through a terrible custody case in court and he is unwilling to release the loan. I am a XXXX XXXX mother at this time and can not afford the loan regardless. I am out of options and need resources please! Contacted XX/XX/2023 via phone approx. a month ago took to the dealership with no avail. and have attempted to contact the loan holder capital one with no return calls. payment {$780.00}
Company Response:
State: VA
Zip: 228XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. I reached out to the Creditor During the Covid Pandemic to let them know I'd lost my work and source of income during the Pandemic. I was denied the removal of these lates during a time when the Creditor knew I was unemployed. As per the Cares Act, Lates which resulted from the Covid 19 Pandemic were actually forgiven during that period. The Creditor Did not honor this and continued to mark my account as derogatory which they later FROZE and made unusable once I paid it off. I wasnt warned about the freeze when I made the arrangements to pay, even when I made arrangements to repay the account I was marked as Late and derogatory. Which shows the creditor was not Compliant with the Cares Act resulting from the Covid-19 Pandemic.
Company Response:
State: FL
Zip: 33803
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have a checking account with Capital One 360. When I use " bill pay '' to electronically issue a paper check or electronic transfer, the funds are immediately deducted from my account, unlike when I write a paper check by hand. With paper check that I write by hand, when the check is deposited by the counterparty, the funds are deducted from my account, and I can see an image of the check as well as the counterparty signature -- -- evidence that I have paid, and they have received. In the case of an electronically issued check, Capital One does not notify me when the check is cashed or posted to the counterparty 's account. On the monthly statement, they only record that the funds were withdrawn for my account at the moment when I issued the payment. In this electronic procedure, if the check never reaches the counterparty, and they don't complain, Capital One is the new middleman and keeps the money. If the counterparty cashes the check and complains that they never received it, I have no record of payment. From a financial reporting perspective, this destroys the transparency of the transaction and is an opportunity for fraud. Capital One claims that they void checks after 90 days and credit the money to my account. I have asked them to certify this in writing. For many reasons, a bank should be required to notify its customers when a check is cashed. This protects everyone, including the bank. It should be a regulation if it isn't already.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: THIS WAS THE LETTER SENT TO CAPITAL ONE : Capital One Subject : Clarification and Evidence of Unfounded Accusation Dear Capital One Customer Relations, I am writing to address a matter of utmost importance regarding a recent incident involving unauthorized activity on my Capital One credit card. I recently received information indicating that my credit card was used for fraudulent transactions, both on XX/XX/XXXX, totaling {$400.00} ( {$100.00} + {$300.00} ). This credit card was issued after I required Capital One to replace my old credit card with this new one that offered some benefits. I want to clarify that this particular credit card was never delivered to my home. Firstly, I would like to direct your attention to the declaration provided by XXXX XXXX, a close friend and current host at the address XXXX XXXX MD XXXX. Her statement corroborates the fact that I have been at her residence since XX/XX/2023, where I came due to business matters. Furthermore, XXXX confirms that we were together on XX/XX/2023, the day in question, for the entire duration. In addition to XXXXXXXX XXXX declaration, I have attached copies of my XXXX XXXX statements for the period leading up to and including XX/XX/2023. These statements clearly indicate my presence in the area and my legitimate financial transactions, further solidifying my claim that I was here in the day that happened the unauthorized activity on my Capital One credit card in XXXX, FL. I kindly request that you expedite your investigation, taking into account the evidence I have provided. Please feel free to contact me at XXXX XXXX or XXXX if you require any further information or clarification regarding the evidence I have submitted. I sincerely hope for a swift resolution to this matter and the clearing of my name from any unfounded allegations. Thank you for your understanding and prompt attention to this issue.
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to 15 USC 1681 a consumer report does not contain information about transactions with financial institution, which would entail payments. I was supposed to receive 3 disclosures from the financial institution before they reported information to credit reporting agencies. 15 USC 6801 states that the financial institution is obligated to protect my non public information and not to share it to anyone. 15 USC 6802 states that the financial institution may not disclose information to non affiliated third parties any non public information unless the financial institution provides me with communication that information will be shared. 15 USC 1681 also states that all consumer reports shall not contain information that pertains to transactions or experiences, which payments are transactions. Further under 15 USC 1681 i did not authorize information to be shared to consumer reporting agencies. There are three alleged late payments showing on my credit report from the 3 biggest credit reporting agencies, which needs to be deleted based on the laws i stated above, and that i did not authorize these alleged late payments to be disclosed to the consumer reporting agencies.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Capital One XXXXXXXX XXXX XXXX, XXXX, CA XXXX REQUEST FOR REMOVAL AS AUTHORIZED USER OF CREDIT CARD A/C TITLE CAPITAL ONE, ACCOUNT NO. XXXX Dear sir, I hope this letter finds you well. I am writing to formally request the removal of my status as an authorized user of the Credit Card of Account XXXX. XXXX titled as Capital One. After careful consideration and review of my financial circumstances, I have decided that it is in my best interest to discontinue my status as an authorized user on the aforementioned Credit Card. I greatly appreciate the opportunity that Capital One has provided me, and I am grateful for the positive experiences I have had as an authorized user. I understand that there may be necessary administrative processes to complete in order to remove me as an authorized user. I kindly request your assistance in initiating these procedures to ensure a smooth transition. I am committed to ensuring that this transition is carried out in a seamless manner and would be more than willing to cooperate with any requirements from your end. I recognize that there may be a timeframe required for this request to be processed and implemented, and I appreciate your understanding in this matter. Thank you for your attention to this matter. I look forward to receiving confirmation of the successful removal of my status as an authorized user of the aforementioned Credit Card.
Company Response:
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to formally dispute the recent disclosure of my non-public personal information to the non-affiliated third party, XXXX, by your institution. I am deeply concerned that your institution may not have complied with its legal obligations as defined under the United States Code. As stipulated by 15 U.S. Code 6801 ( a ), it is unequivocally the obligation of financial institutions to protect consumers ' non-public personal information. Furthermore, according to 15 U.S. Code 6801 ( b ), financial institutions are required to establish appropriate standards to ensure the security and confidentiality of customer records and information, protect against potential threats or hazards to the integrity of these records, and prevent unauthorized access to or use of such records or information, which could result in substantial harm or inconvenience to any customer. My dispute centers on the following issues : Lack of Consent : I did not provide my explicit consent for the disclosure of my non-public personal information to XXXX. Under federal law, such consent is mandatory before sharing such information with non-affiliated third parties. Failure to Provide Opt-Out Notice : I have not received any opt-out notice from your institution as required by 15 U.S. Code 6802 ( b ). The law clearly mandates that consumers must be given the opportunity to opt-out of having their information shared with non-affiliated third parties. Lack of Disclosures : Furthermore, I have not been provided with the proper disclosures as mandated by 15 U.S. Code 6803 ( a ). These disclosures are vital for consumers to understand how their non-public personal information may be shared and for what purposes. Given these significant concerns, I hereby request a thorough investigation into this matter. If it is found that my non-public personal information has indeed been disclosed to XXXX without the required opt-out notice and disclosures, I insist that this reported information must be promptly deleted in accordance with federal law. I remind your institution that it is not only bound by these legal obligations to protect customer information but also has a responsibility to maintain the trust and confidence of its customers. Failure to address this issue adequately may result in severe consequences, including potential legal actions. To resolve this matter, I kindly request the following actions to be taken : Immediate Investigation : I request that your institution conducts a comprehensive investigation into the alleged unauthorized disclosure of my non-public personal information to XXXX. Removal of Disclosed Information : If it is determined that my information was disclosed without the required consent, opt-out notice, and disclosures, I request that all such information shared with XXXX be promptly removed from their records. I expect your prompt attention to this matter, as it involves the protection of my personal financial information and your institution 's adherence to federal law. Please acknowledge receipt of this dispute letter in writing within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). I've Included Attachments To Support My Case.
Company Response:
State: OR
Zip: 97203
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I am a victim of XXXX, XXXXXXXX XXXX, discrimination, and public corruption. I got scammed by In XXXX XXXX XXXX XXXX that charges my Capital Credit card. Capital One has refused returning my money back In XXXX XXXX XXXX billed on XX/XX/2023 for {$1900.00} Case Number XXXX
Company Response:
State: CO
Zip: 80126
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Capital One has been reporting incorrect information on my credit reports. I have 2 accounts that were closed. I settled the first one ( XXXX ) back in XX/XX/2023 and they didnt update my credit reports as paid off and had an outstanding balance. I disputed these issues and the amount was changed to {$0.00}. The second one ( XXXX ) I also paid off. They updated the information this XXXX after I paid it off and its still wrong. I dont owe Capital One anything. Ive been making payments on XXXX since XXXX and paid the rest off in XXXX. There shouldnt be a past due amount of {$810.00} on my account. Both accounts are settled for less than amount. I disputed this second account. XXXX said the information is accurate on my credit report when their payment status, account status and amount are inaccurate.
Company Response:
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I requested on various disputes that the following companies make the following revisions to my report based on fraudulent date being reported. Personify- reporting account status as Derogatory, despite the fact that this account was settled and paid as requested. XXXX - reporting account status as Derogatory/Collections, despite the fact that this account is settled and paid as requested. XXXX- reporting account status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. XXXX XXXX XXXX - reporting payment status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. XXXX XXXX - reporting payment status as collection/chargeoff, and reporting account status as derogatory, despite the fact that this account is paid and settled as requested. Capital One - reporting account status and payment status as derogatory, despite the fact that this account is settled and paid as requested.
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A