Date Received: 2023-08-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Capital one sent me an email stating that willingly unlinked my account with XXXX XXXX XXXX. I did not unlink these accounts. I called capital one to express my concern that my account could have been hacked by a non authorized user. They advises me that they had no information and if my account is compromised I have to wait it out to see if anyone steals my money or my information. They refused to give me a new account number and close the compromise account number down. Now Im sitting here worried that somebody has all my information and capital one is ok with that.
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I received a check in the mail that I thought was for my previous employer. Went to deposit it then I got an email saying my account has been Flag for fraud and my account closed. I tried to contact the bank so they can stop processing that check. But they said it has already started, and there's nothing they can do.
Company Response:
State: TX
Zip: 75211
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently sent a letter to capital one and disputed this amongst other things with cfpb a month ago and i believe they forgot to remove this wrongly reported late on XX/XX/2022 on my XXXX account which was stated in the letter they received from me and cfpb has on file.
Company Response:
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Company Response:
State: RI
Zip: 02893
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 I was charge {$76.00} at XXXX XXXX XXXX. I contacted Capital one and informed them that I did not place that charge on the card. They refunded the money to my account after I disputed the charge. Today, I received a letter from them stating that the charge was resubmitted to my account because they did not received requested information. I have not information to summit to them. I did not use this card to make a reservation and I did not present this card to the merchant. It may be that they have this card on file from previous stay.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently received a letter stating that my information was compromised back in XXXX with the division of family services. i reached out to credit beauras and i was told that all had been verified. credit inquiries are still showing up and i have put a fraud alert on my credit. they keep running my information through the same companies, seeing that its really hurting my credit..
Company Response:
State: MO
Zip: 63135
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently received a letter stating that my information was compromised back in XXXX with the division of family services. i reached out to credit beauras and i was told that all had been verified. credit inquiries are still showing up and i have put a fraud alert on my credit. they keep running my information through the same companies, seeing that its really hurting my credit..
Company Response:
State: MO
Zip: 63135
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT CAPITAL ONE Credit usage 100 % Balance {$3000.00} Balance updated XX/XX/XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - XXXX - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - XXXX - - PAYMENT HISTORY LEGEND Status Pays account as agreed Status updated XX/XX/XXXX Past due amount - Highest balance {$3000.00} Monthly payment {$100.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Company Response:
State: NY
Zip: 11510
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Capital One I am having a problem with XXXX reporting information XXXX late for this account on XX/XX/2022. XXXX and XXXX are reporting the information correctly reflective of NO late payments. I have reached out to the creditor previously and the information was updated for XXXX, and XXXX. I would like to have this corrected as stated No Late Payments for XXXX.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A