Date Received: 2023-08-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Unauthorized hard inquiry ( fraud ) Occurred from XX/XX/XXXX through XX/XX/XXXX.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have sereval inquiries on my credit that needs to be romved
Company Response:
State: AR
Zip: 716XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Paid off credit card # XXXX on XX/XX/2023 for XXXX Credit card got shut down even though I was in good standing. Paid off second credit card for {$360.00} on XX/XX/2023 and they closed that card also. There was the third credit card XXXX that bounced even though I paid that one off and had sufficient funds on XX/XX/2023. It was bounced on XX/XX/2023, even though I had thousands in my bank account. They shut down all three of my cards because of one bounced card that was paid off. Ive been in good standing for all three, yet they decided to shut down three of my cards without notifying me.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am a victim of identity theft I have about 8 inquiries that I don't recognize on my credit reports. 6 or 7 on 11/16/21 2 on 11/17/21 and 8/15/23 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2023 I refinanced my home and reached a written settlement with the Law Firm/Collection Agency for Capital One Bank MasterCard . The account was Settled in Full for {$1300.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' The Law Firm/Collection Agency for Capital One Bank accepted and deposited my {$1300.00} check from the Title Company , marked as Settlement in Full. However, AFTER the payment was received, Capital One reported my account as " Charged Off '' with a balance of {$450.00}. This report occurred on XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " Paid '' status, and it is still showing an account balance of {$450.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). As a result of this " Derogatory '' report and falsely reported " Amount Past Due, '' my credit score has dropped each month it has remained falsely reported.
Company Response:
State: VA
Zip: 23236
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: My Capital One credit card has been opened for a total of 8 months now. Never over the limit, always on time and being used way under 30 % usage. I requested a credit line increase after 6 month received a notice saying account is to new. In the definition for account is too new, wait serval months before applying for an increase. I figured it was because 2 monthly payments wasnt made since those two months I had a credit balance and no payments due. Well a month later after 6 payments, and 8 months later I applied again for a credit line increase, got a denial notice stating account too new again. In the definition again for account to new, it says wait several months before applying for a credit line increase. In my book serval means 4-6months after an account is opened. So I called capital one and asked what is several months definition for capital one. The supervisor i spoke with said, several months is around 4-6 months. Let me see how long your account has been opened, ok I see here its been opened since XX/XX/2023. Ok, so if serval months is 4-6 months. Why am I still getting account too new and wait several months before requesting an credit line increase? Also, when asked to speak to her supervisor she tells me there is no one over her I can speak with. Denied my right to escalate my concern higher pass the supervisor level.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2023 I refinanced my home and reached a written settlement with the Law Firm/Collection Agency for Capital One Bank XXXX XXXX The account was Settled in Full for {$2600.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' The Law Firm/Collection XXXX for Capital One Bank XXXX and deposited my {$2600.00} check from the Title Company XXXX XXXX as Settlement in Full. However, AFTER the payment was received, Capital One reported my account as " XXXX XXXX '' with a balance of {$140.00}. This report occurred on XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " XXXX '' status, and it is still showing an account balance of {$140.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). As a result of this " Derogatory '' report and falsely reported " XXXX XXXX XXXX, '' my credit score has dropped each month it has remained falsely reported.
Company Response:
State: VA
Zip: 23236
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
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: Capital one closed my credit card after I just made a {$650.00} deposit for the purposes of boosting my credit score. I have been having a few issues before hand with the with my wife and a girl I was dating taking my card and making unauthorized purchase. I corrected the problem on my end. And now I lost XXXX on credit I needed because of it. But capital one opened me a new credit credit card with a {$300.00} limit and double the interest
Company Response:
State: FL
Zip: 32583
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Two weeks ago, we applied a checking account on Capital One 's website. However, Capital One rejected our application even though our credit score are excellent. The representative find out the note stating " we don't do business with you '' as the reason. This revelation left us feeling deeply discriminated against and concerned about potential bias. We strongly believe in the principles of fair treatment and respect for all customers, regardless of their background or circumstances. The representative recommended that we write to Capital One 's CEO to address this issue further. We kindly request your intervention to investigate this matter thoroughly.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a negative account reporting on my XXXX credit report, I have never had a kohl 's department store card under my social security number, and it's reporting a credit limit of {$300.00} and a balance owed of {$600.00}, I have called them to inform them that under my social security number there has never been a kohl 's department store card opened and I would like the account to be removed from my credit report but they have not done it I would like to take action to get this debt verified and removed asap, the account shows opened XXXX XXXX and closed XXXX XXXX, can this be verified and removed asap.
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A