Date Received: 2023-08-27
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: i was victim of identity theft, the information listed below which appears on my Credit report does not related to any transaction that I ve made. this is result of identity theft.
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is an email I sent to Kohl 's Manager, who responded via letter that she wouldn't change the mistake. I'm reaching out today with great disappointment as I've had to close my XXXXyear-long Kohl 's account due to an unfortunate misunderstanding that I received no assistance with. In XXXX, I set up autopay for my recurring bills through my bank, which was successful. Encouraged by this, I added my credit cards in XXXX, given my father 's illness and my frequent hospital visits to care for him, making bill payments a challenge. However, in XXXX, my bank account experienced a bounce, prompting me to investigate unauthorized transactions. My bank promptly closed the account, requiring a two-week wait to reinstate everything. Consequently, my Kohl 's payment scheduled for autopay via XXXX didn't go through. While I typically trust this system and didn't manually verify the payment, I've had no previous issues and other bill payments went through without a hitch. I never anticipated this glitch with Kohl 's. Surprisingly, Kohl 's didn't reach out until my payment was 30 days overdue. I immediately settled the payment and attempted to dispute the credit reporting. Despite my longstanding positive history with Kohl 's, the representatives and managers stated that the bank fraud incident wasn't their concern and that the credit report would stand as is. My diligent efforts to maintain good credit have been tarnished by a situation beyond my control. I was vigilant in making the payment as soon as I realized it hadn't been processed by the bank. Since then, I've been proactive in making timely payments. Given my consistent record of timely payments, it's disheartening to think that this isolated incident could impact my credit report for the next decade. I'm kindly requesting a thorough review of this matter. Please advise on any further steps necessary.
Company Response:
State: IL
Zip: 60133
Submitted Via: Web
Date Sent: 2023-08-25
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: Old information reappears or never goes away
Consumer Complaint: Capital One has sold an account ( XX/XX/2023 ) to a debt collector & still is reporting on my credit report to all major credit bureaus. The Capital One account ending in XXXX should not be duplicate reporting as it is a FCRA & FDCPA violation.
Company Response:
State: CA
Zip: 93065
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: 2023-08-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have had a Capital One credit card for at least 6 years and maintained it without being late despite many hardships over the years. I obtained a prepaid Capital One credit card last year after responding to an offer. The other week I logged into my Capital One app and account for my routine daily checks and maintenance to discover that a " restriction '' had been put on my account. Within minutes I also received several email alerts from credit monitoring services that an account had been closed. I never received any emails, letters ( not until a week later ), texts, etc. Capital One never communicated to me in any fashion or gave any kind of warning. The accounts were temporarily over the limit, but I do not see why you would take such extreme measures without any warning for this. The account that was closed that I had for 6 years was one of my oldest accounts and will thus have an unfair excessive negative affect against my credit ratings given the way the algorithms work. Their sudden and arbitrary actions against my accounts was added bad news and stress that I did not need nor deserve! The case that I am making is that Capital One should have relayed some sort of warning or pre-communicative measures BEFORE taking things this far!
Company Response:
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
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: On XX/XX/XXXX at XXXX am I made an airline reservation through Capital One Travel for a flight that was to depart from XXXX XXXX on XX/XX/XXXX at XXXX and return back to XXXX XXXX XX/XX/XXXX at XXXX XXXX for two passengers XXXX and XXXX XXXX XXXX A few hours later that same day, our family received news that a loved one had passed away. Due to the unexpected death of our loved one our trip had to be canceled. That same day XX/XX/XXXX at XXXX XXXX literally 5 hours later I successfully canceled the flight through Capital One XXXXvel app. According to Volaris cancellation policy For bookings made in the last 24 hours, you may request a refund to the original payment method in My Trips. ( Attached to these documents you can find a screenshot named Cancelation policy ). I did just as the cancellation policy stated, I canceled through Capital One Travel and requested a refund on My Trips. Immediately after I successfully canceled and requested a refund through My Trips I received a confirmation of my cancellation on XX/XX/XXXX at XXXX pm stating We inform you that the reimbursement for your cancellation on reservation XXXX has been processed to the original form of payment and will be reflected on your next statement ( see attached XXXX called refund confirmation ). In addition to this I took a screenshot of when I actually canceled the flight and it states Reservation code XXXX Your refund has been done and the payment options used and it should be in your bank account the following days. ( See attached successful flight confirmation ) I have filed multiple appeals through Capital One in regards to this issue, and although it is a service that is offered through Capital One, I was told by them that they could not help me and I needed to go directly to the airline. I went directly to the airline and after exchanging multiple emails with them attached is their response. According to XXXX XXXX a representative from XXXX states We have validated your request and verified that your refund with the reservation code XXXX was already issued successfully on XX/XX/XXXX. If you have not seen it reflected yet, you must validate with your bank for withheld balance. ( See attached reimbursement in XXXX ) I have spent COUNTLESS hours on the phone attempting to resolve this issue. I contacted Capital One again on XX/XX/XXXX and they again stated I needed to re-open and submit a claim along with providing all the documents that reflected the cancelation of my flight. I did for the millionth time. On XX/XX/XXXX I received an email from Capital One stating " We have a limited amount of time to reverse a charge on our customers account 's. Unfortunately, that timeframe has expired for this particular charge. If you want to dispute a charge in the future please let us know within 60 days of receiving the statement that shows the disputed charge ''. This response basically proves that I was entitled to my money and the transaction should have been reversed this entire time since XXXX, but for what ever reason it wasn't. One of the biggest issues I have with all this is that I, as the consumer, have been on the phone countless hours since XXXX fighting, proving and explaining that I am entitled to my money. This is a service that Capital One offers and they have taken XXXX accountability to help resolve this. I have been submitting the exact same documents to Capital One every single time they request them from me. The documents have not changed and after all this time they finally get back to me saying " we have 60 days to credit the money back to your account and it's not too late to do that ''. Please help me with this issue.
Company Response:
State: CA
Zip: 95003
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Attention : Consumer Financial Protection Bureau I am submitting a complaint against Capital One Bank, based on numerous attempts to have my Name/SSN removed from my Ex-Wifes credit card account, which was awarded to her in our Marital Divorce Decree, signed on the XXXX of XX/XX/XXXX. During the process of our divorce while serving on XXXX XXXX in XXXX, AK, I was verifying the amount of our marital debt by running a free annual credit report. On the credit report I noticed a Capital One Account that I was not aware of. Upon contacting Capital One, I was informed that I was a Co-Applicant on this account. I stated that I never applied for this charge card account and never have I ever had possession or made any charges. I was informed that they were willing to make an exception by submitting a letter to the credit bureaus to restore my credit score. After retiring from the XXXX in XXXX of XXXX, I moved to my hometown of XXXX, LA. It wasnt until XXXX of XXXX, approximately four months after my divorce date, I ran another free annual credit report. I realized my Name/SSN was still attached to this account after my Credit Score plummeted from XXXX to XXXX. Once again, I requested Capital One to send letters to the Credit Bureaus to have my ex-wifes delinquent payments removed from my credit score. Once again, my score was adjusted. In XXXX I was wanting to purchase a home, and once again I discovered after running another free annual credit report, my credit score plummeted. I called Capital One and spoke with multiple Representatives trying to rectify this matter, to no avail I was unsuccessful in getting Capital One to write anymore letters to the Credit Bureaus. Although my score was low, I was however able to qualify for a VA Loan. I once again I contacted Capital One in XXXX of XXXX requesting them to remove me from this account. I was instructed to submit a letter stating my request for removal from this account ; reasons for the request ; the final certified copy of my Divorce Decree, along with a printed copy of the Credit Bureau Payment History report. Needless to say, since I submitted that letter along with the requested documentation, no action was ever taken to permanently remove me from this account. After not hearing back from Capital One, I reached out again in an attempt to rectify my situation. I spoke with a representative where he offered to reduce the amount my ex-wife owed on this account, if I was willing to pay the balance of the account, and that he would submit letters to the Credit Bureaus to restore my credit score. I informed him that I would need to speak with my current wife prior to making this final payment in full. Unfortunately, this came during a time of corporate downsizing and forced shutdowns due to COVID-19, which made it impossible to financially afford to pay off my ex-wifes debt. In XXXX of XXXX, I offered to pay the balance owed on this account if they were willing to submit letters to the bureaus as they did in the past. I was just pawned off onto the Credit Bureaus, as if they were going to make adjustments without the consent of the Credit Card Company. As expected, I was only referred back to Capital One Bank. I personally closed this account to prevent higher balances in the future, only allowing my ex-wife to make payments in order to zero this account out. However, my ex-wife was actually able to pay off this account due to a large inheritance, but refused to and still today continuously makes delinquent payments. As noted above, Capital One Bank submitted numerous times letters on my behalf to all three Credit Bureaus requesting the removal of the delinquent payment history so that my credit score would be restored. Each time my credit score was returned to its unblemished rating, only until the payments were once again delinquent. Within the past two years I have tried countless times to have Capital One Bank continue to submit letters, but to no avail they now refuse to accommodate. Prior to each and every conversation, Capital One informed me that our conversations were being recorded for quality assurance. As advised by your agency, I am respectfully submitting this request to your office and pray that you will be able to assist me in completely removing my association in every aspect from this account, to include letters being forwarded to the Credit Bureaus to restore MY previous Credit Score. I have found that Capital One Bank chooses to be the only financial institution that does not accommodate consumers with such requests, especially those that are court ordered. I was however able to remove my ex-wife entirely from the two credit cards I was awarded through our divorce, which had paid them in full. Finally, I have attached all documentation previously requested and submitted to Capital One Bank for your convenience and request your prompt attention and support. I anxiously await your response in this matter. Please feel free to contact me if you have any questions or concerns. I am currently attempting to apply for a line of credit, and due to my current credit score the interest rate is extremely high. In kindest regards, XXXX XXXX XXXX
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Racial Discrimination & Bias in Defamatory, Negative, Inaccurate and Irrelevant reporting of personal information to credit reporting agencies without my expressed written consent nor permission. This is a violation of my right to privacy, as well as, a direct violation of The Fair Credit Reporting Act, and several statutes pertaining to consumer consent under 15 U.S. Congressional Code 1681.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Talked to XXXX after I saw my XXXX credit score dropped XXXX points, which disqualifies me from getting a mortage I urgently need. I am forced to either buy the house I leave in or evacuate the premises with XXXX children by XX/XX/2023. XXXX explained to me what triggered this, which make my credit score below XXXX which I urgently need to apply for a mortgage. There were 2 hard enquiries on my credit score check that I was not aware of and that I never authorised with institutions I did not contact 1 ) XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX : XXXX XX/XX/ Please help me asap.
Company Response:
State: NJ
Zip: 070XX
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: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: Been a victim of identity theft
Company Response:
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: My child use my card at a corner store on XX/XX/XXXX at XXXX and was charged {$190.00} which was the wrong amount. Ive made several attempts to resolve the matter with the merchant, and credit card company.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A