Date Received: 2023-08-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Capital one 360 performance checking XXXX Irs check : XXXX My account was frozen due to a certified IRS check and now they are closing mine and my fiance account without a good reason why and will not let me know what is going to happen to the XXXX XXXX dollars that is in my account I've called capital one they've been quite rude and secretive. I've even called the IRS to make sure they didn't send a bad check or anything and they said it was fine shouldn't have any problems The checks in my fiances name which his name is on my account and we cashed it in person spent half of it on our home remodel went to pay a bill and they had frozen my account you would think they would take action before i spent some of it. His direct deposits from work come thru there also. It's not like I'm not sending them proof I have sent them his whole tax return from his XXXX. I have sent where the IRS edited my return. Literally sent them everything they need to finish this investigation. The investigator has yet to call me, as he had any reason to freeze my account in the first place. I have a XXXX year old and a XXXX year old and I'm having to move in with my parents not because I don't have money but because my bank is HARBORING my money.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CAPITAL ONES has violated my consumer rights and has caused great harm to my reputation, my character, and my mode of living which has caused XXXX XXXX XXXX XXXX XXXX. In response to my initial complaint of them violating my consumer rights ; they claim that my credit card account was sold to a third party on XXXX XXXX XXXX, and as such decline any and all requests for compensation regarding this matter. They however did not mention that they have not violated any federal laws. This complaint is in response to my consumer rights being violated and Capital One 's attempt to dodge the situation. Capital One 's response has nothing to do with my complaint. Selling my account does not excuses the fact that my rights have been violated and that I must be compensated for each of the violations. Here are the federal laws Capital One have broken which in turn has led them to violate my consumer rights. 15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have not given them permission to share my information with any third party nonaffiliated corporation. 15 U.S. Code 6801 ( b ) ( 1 ) to insure the security and confidentiality of customer records and information 15 U.S. Code 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I have not given them permission to disclose my records to any third-party nonaffiliated corporation. 15 U.S. Code 6802 ( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I have not received any notice from CAPITAL ONE which provides me the option to opt out of any disclosure. 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. No such clear and conspicuous disclosure has ever been provided to me. 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I was not been given any such opportunity to opt out of the initial disclosure. 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. No explanation has been given to me. Per 15 U.S. Code 1681 ( a ) ( d ) Consumer Report ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is evident that CAPITAL ONE has violated 15 U.S.C 1681 ( a ) ( d ) ( 2 ) for my report contains information in relation to transaction history. Altogether, they have violated my rights one hundred seventeen ( 117 ) times. See attachments for full details.
Company Response:
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My name is XXXX XXXX and I am submitting this formal complaint against Kohl 's. this is what happened Approximately one month ago, I initiated an arbitration process through the XXXX XXXX XXXX XXXX XXXX ) in relation to a negative account that Kohl 's is currently reporting on my credit records. I have been notified by AAA that Kohl 's has not adhered to XXXX 's stipulated guidelines pertaining to consumer claims, as delineated within the Consumer Due Process Protocol ( " Protocol '' ) and the Consumer Arbitration Rules ( " Consumer Rules '' ), which encompass the provisions concerning Arbitration Costs. Kohl 's, in its actions, is evading its obligations to its clientele and is breaching its contractual commitments. Notably, within the contractual clauses, it is explicitly stated that any disputes can be referred to the XXXX for resolution. In light of these circumstances, I hereby formally request a thorough investigation into the practices of the company, given the perceived inequitable behaviors outlined above. This situation for me has been stressful, it has affected my financial life and that of my family. Several loans have been denied and I have lost the opportunity to buy a house. I feel hopeless and anxious about this problem
Company Response:
State: CA
Zip: 90302
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have 2 credit cards with Capital One and I requested a credit line increase on each one and was denied both times for the same reason and the reason given is not accurate. The reason given both times was that " there is legal action pending against the applicant '' which is definitely not true. That reason is not even listed on the Capital One website about why credit increase requests are denied and after doing some research apparently no one at Capital One can tell anyone why or how this happens.
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these accounts
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX of XXXX I paid off my car loan with Capitol One despite filling XXXX XXXX bankruptcy in XX/XX/XXXX & have been disputing that with Capitol One ( who sent me the title ) & the 3 major credit bureaus since it was discharged in XXXX of XXXX which has and still remains as a negative on my credit reports... I just received a notarized letter from Capitol One saying the lien is released which means for all that time this item was never investigated in accordance to the fair credit reporting act.
Company Response:
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 canng 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: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Someone trying to open a credit card with my name on it.
Company Response:
State: CA
Zip: 91007
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Called on XX/XX/XXXX to request replacement card. Today is XX/XX/XXXX. I have not received card or an email saying when it will be replaced. I emailed their complaints line... still no response. They made me send in copy of license ending in XXXX through I'd me which matches my account phone of XXXX. They need to decide this week this week if the card is going to be sent to my address here in XXXX XXXX iowa. If not they need to close the card and no I am not calling them again
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I recently checked my credit report and seen a credit card opened/closed from capital one in my name and {$540.00} is owed to the company.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A