Date Received: 2023-08-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am not liable for this debt with capital one. I do not have a contract with capital one. They did not provide me with the original contract as requested. I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with capital one. They did not provide me with the original contract as requested.
Company Response:
State: GA
Zip: 31021
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: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33614
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: 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: Charge for XX/XX/, traveling from XXXX to XXXX then XXXX to XXXX, XXXX cancelled these flights about 3 hours in the middle of the night before me, my sister, and my mom were to take the flight. This flight never happened, but this charge still exists. I called Capital One Travel to get this fixed several times, and the last time the lady on the other end was supposed to get back to me. She never did, and the charge still exists even though the service/flight never happened. XXXXCapital One won't simply refund a charge that happened for nothing. XXXX won't do anything because it was done through Capital One XXXX, and Capital One XXXX literally doesn't know what's going on and needs to call XXXX to find a solution?
Company Response:
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
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: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Two charges were made on my card without my knowledge or permission. These charges were two cash advances. My card and PIN were stolen my desk at my home while I was out of state on vacation. I employed a house/dog sitter while I was away. The card and PIN were used by the sitter or another person or persons who stole the card and PIN or who the sitter gave the card and PIN to. I discovered the charges and timely filed a fraud claim with Capital One. On XX/XX/ Capital One sent me a letter acknowledging the claim and promising to investigate, see attached letter. On the same day, XX/XX/ Capital One sent to me another letter denying my fraud claim, using a generic form letter, see attached. Capital One did not contact me or investigate my fraud claim, they denied it without investigation, reason, or justification. My losses total {$500.00}. These charges do not belong to me. I filed a sworn fraud affidavit with Capital One, see attached. Capital One still refuses to credit my account.
Company Response:
State: FL
Zip: 342XX
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: 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: I recently pulled my XXXX XXXX XXXX credit report and discovered I have a late payments that was reported on Capital One Card XXXX XXXX XXXX ( 8 ) Late Payments Acct # XXXX and XXXX XXXX XXXX ( 4 ) Late Payments Acct # XXXX. During that time, I had a enrolled Covid-19 Hardship programs which allowed me to make consistent payment of $ 45 monthly in exchange to reduce interest rate of 9 % and freeze spending on both of my cards. Upon completion of this program and when my account in good standing that reporting will be updated. Up on finding out that my account was reported as delinquent & Late payments during this time.
Company Response:
State: NY
Zip: 11230
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: In accordance with the Fair Credit Reporting Act, Capital One Account # XXXX has violated my rights. XXXX5 USC 1681 Subsection 602 : States that I have the right to privacy. 15 USC 1681 Subsection 604 A Section 2 : 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 any purpose.
Company Response:
State: WA
Zip: 988XX
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: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I have worked with Capital One 's Quicksilver Fraud Department and the recommended I report to the CFPB about an ongoing person or persons trying to open another credit card in my name ( report # XXXX ). There has been several attempts on doing this that I've managed to stop with the help of Capitol One. In addition, since approximately XX/XX/2023, there has been several attempts on the website XXXX and XXXX to use my old and expired drivers license to collect house deposits for rental properties in the state of Wisconsin where people have lost money only to find out it wasn't me. This has been reported to XXXX XXXX ( WI ) PD as well as XXXX ( WI ) PD. These police departments informed me of the fraudulent postings of my name in XXXX and Minnesota doing the same thing. I hope that you can assist me in protecting myself or guide me to further assistance in this matter before something bad occurs to me. XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85014
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XX/XX/23 Dear CFPB, I am writing you because capital one credit card company has the audacity to tell me if I can use my dollar via debit card from my bank checking account or my checking account to pay my bill. I contacted them I get some help and the woman who answered didnt know anything but to put me on hold for over 20 minutes. I dont like contacting the company when they dont understand plain XXXX .. especially if thats what Ive spoken all my life. Capital One has audacity to tell me how to use my dollar bill.
Company Response:
State: CA
Zip: 92553
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: In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 Section 602 states that I have the right to privacy. 15USC1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: LA
Zip: 70805
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A