Date Received: 2023-08-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Yes I have a XXXX sales and use sales tax payment voucher for my XXXX sales tax ammended return case number efiled payment voucher for ID theft and made a claim my account was unable to merge the payment the last year from direct deposit of a hacked and entity data breach from XXXX and capital One Bank National Associates. It was a voucher of {$170.00} in installed payments for XXXX XXXX sales tax and asked to remove it from my account id geft and direct deposit it to my capital one bank or XXXX XXXX which ever one wan to assign the identity theft because we filed a tax levy of a tax lien of {$110000.00} and my account was under investigation for fraud and reported it to XXXX XXXX XXXX for ID theft and asked to oick up my check and said there was a lien on my account. I paid one with a tax attorney XXXX XXXX XXXX {$110000.00}. I asked to remove he ammended XXXX collection due from ID fraud of my oayment voucher with the case number and ID theft from XXXX XXXX capital One Bank National Associates. Therefor covering he bank with a XXXX form and follow up with a XXXX form filed with the tax year of ammended return with taxes already filed with an update up tax return from direct deposit efiled XXXX, and XXXX XXXX XXXX XXXX XXXX tax return.
Company Response:
State: NC
Zip: 287XX
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 credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX the creditor along with all credit bureaus was contacted by me ; in regard to inaccurate reporting which has negatively been impacting me. CAPITAL ONE AUTO FINAN Account Number:XXXX This auto loan was paid off by my insurance carrier due to an auto accident.
Company Response:
State: SC
Zip: 29456
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: Capital one is still committing scams against me, and is in effect intentionally ruining my credit score. A few months ago, with zero warning, notice, zero phone calls, zero emails, zero communication, they cancelled all three of my credit cards with them which I had kept in good standing for years, and then claimed it was simply a business decision and nothing to do with my credit worthiness. Except they didnt close it to late fees and interest, theyve intentionally kept the cards ACTIVE on their end, just not usable on my end. Im still paying for these cards as though they are ACTIVE CARDS. Therefore, they report such things as over the credit limit knocking more points off my score- I HAVE NO CREDIT LIMIT. YOU TOOK IT AWAY. At this point It he abundantly clear you are just trying to get more and more money out of me someone who had been a good and loyal customer for YEARS, while destroying my credit- which was very very good until this happened! You are evil people and I am requesting you CLOSE MY CARDS AND STOP MAKING MY LIFE XXXX. I am also taking steps to move my checking account away from capital one and I will never ever do business with you awful people again. CLOSE THE ACCOUNTS.
Company Response:
State: NY
Zip: 10023
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My XXXX XXXX mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts ( Capital One, XXXX, XXXX XXXX ), mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He brought his house out of foreclosure and sold it less than two weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN. The banking records were received under subpoena as the man, XXXX XXXX XXXX DOB : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : XXXX XXXX and XXXX. He used these accounts to pay off his own credit card debt.
Company Response:
State: AZ
Zip: 85742
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: 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 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 XXXX BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : CAPITAL ONE XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX- XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. Status updated XX/XX/XXXX Highest balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( 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 Shall be removed from the consumers report not later than XXXX business days after the date of receipt. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. PS! 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!
Company Response:
State: GA
Zip: 31021
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had an authorized user on my card that no longer paid their bill so I suspended his card, I was then charged with a XXXX dollar fee for a rental that he had with his suspended credit card. My credit cards limit was only XXXX and the credit card company made that payment that put me over the limit by XXXX. I disputed the charges and they still charged me for my authorized users purchase with his suspended credit card.
Company Response:
State: PA
Zip: 19149
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: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I went through an unfortunate event as a XXXX parent. I described how I lost my job and was struggling to make ends meet to my customer service representative. I asked them if I could defer my payment, and I was told that was not an option but they could notate on my accounts that I would be late and I could pay later. As a XXXX parent, I try to keep my credit report free of late payments. However, I had no choice but to take a hit in XX/XX/2023 for card and XX/XX/2023 on my other credit card account. Moreover, I was even more devastated when I saw on capitalone.com that you all offer defer payments and waived fees for those going through a hardship. I feel that it is not fair. My agent did not offer that to me when I asked. I'm begging you all to have compassion and please help me by forgiving me of the late payment and removing it from my credit report on both of my credit card accounts.
Company Response:
State: SC
Zip: 29405
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have tried many times to pay my bill, it always get returned. But it never gets taken out of my account, I call customer service and they tell me to try only paying the minimum amount, it will work then. I want to pay it all, and have a XXXX balance, they are making it so I owe them more in the end.
Company Response:
State: NE
Zip: 68105
Submitted Via: Web
Date Sent: 2023-08-20
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: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: i keep making payments on my card because they are discriminating against me & won't increase my limit based upon a previous relationship I had with them. I extended my credit to them and they are violating me under color of law & they also blocked my car because they are angry that i keep making payments. How could i be punished for such a thing?
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A