Date Received: 2023-08-11
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/XXXX Capital one charged me {$200.00} calling it a credit refund charge. I made no such charge and had no interactions or made such a charge. Capital one has done this before, I was unaware of the charge until yesterday.
Company Response:
State: CT
Zip: 06053
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have made numerous attempts to correct this issue with Kohls through the complaints/disputes filed with the 3 credit bureaus ( XXXX, XXXX, and XXXX ). The debt is a charge off but continues to show a past due amount of {$1100.00}, reflecting this as open revolving credit when it should report as {$0.00}. In addition I requested a 1099c form if this debt is in fact a charge off, as I would like to audit this debt with the IRS, and if it is fraudulent I would like to report it, as incorrect documentation and reporting on the credit report is a direct violation of the FCRA 15 USC 1681 eb.
Company Response:
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: 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 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 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: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have had a few inquiries in the past couple of days on my credit report. I have not applied for any credit cards recently. I have placed a freeze with every credit bureau in hopes that this does not continue to happen. I see the following inquiries : XXXX XX/XX/ I XXXX this one and it says it was a XXXX XXXXXXXX card I never shop at XXXX XXXX and have zero use for a official XXXX XXXX store credit card. -I am unable to find a number that will get me to an agent to dispute this one XXXX XX/XX/ I XXXX this and it says some sort of point rewards card. I have no use for that and did not apply for this. -No phone number associated with this inquiry Kohls/CapOne I XXXX this and it says Kohls charge card XXXX have never shopped at Kohls and do not plan to I have no use for a charge card there and have never applied for one. -I have not called them just yet. I have worked very hard to keep my credit scores strong. I would never apply for random credit or three cards in one week. Please review and remove these items from my credit report. Thank you!
Company Response:
State: ID
Zip: 83706
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: My Complaint is against Capital One Bank : I am a small business owner of XXXX XXXX XXXX. I am a XXXX XXXX XXXX and XXXX XXXX I had made an ACH transfer on XX/XX/XXXX in the amount of {$10000.00} to my consultant XXXX XXXX. XXXX informed me he did not receive the money on XX/XX/XXXX and within 24 hours on releasing the email received by me was a phishing email I stopped payment. Below are the details of the bank and account number to where ACH was initiated. Bank : XXXX XXXX Account Number : XXXX ACH Routing Number : XXXX Checking Bank Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX After about 35 days of waiting for a response from Capital One I went to XXXX XXXX and was informed that the routing number is correct however, XXXX XXXX has only 10 digit account numbers and the above being a 12 digit account number the money would have been returned within three business days to Capital One. Today, it is more than 2 months ( 63 days ) and I am yet to hear from Capital One on the status of my money. Not a single representative from Capital One has ever taken the trouble to call me. Unlike XXXX XXXX from whom I received three phone calls within a span of 2 weeks from their Fraud Detection Department. Capital One has also kept me on hold for more than 2 hours with no response and they keep transferring my call from one department to another. Your support here will be greatly appreciated.
Company Response:
State: NY
Zip: 11803
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There is information that is on my consumer report. That is a result of identity theft. I did not Provide written permission or instructions for the identified items to be reported on my consumer report. I am re question that that's the reporting of this information be blocked And Deleted. My request to block is not being made in era. Nor is my request to block being may on the bias Of a material misreputation. Of Fact by relevant relevant to the request to block the identify transaction. The identified transaction are not information related to any transaction to me as the consumer. Account Name Account Date Account Name Account Date You are reqsir to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response, thank you, XXXX XXXX.
Company Response:
State: NV
Zip: 89030
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XX/XX/2023.I discovered that my Capital One Bank withdraw more than {$2000.00} from my checking account without my permission using XXXX XXXX. I immediately called the bank and explained that I had never had account like cash app.After many questions, In gave them all information.The money was withdrawn through my debit card.I live alone and no one has access to my financial documents.On XX/XX/XXXX. {$1300.00} was charged again from my debit card. I had new password but someone has access to my debit.I called the bank again but they refused to return the money to me. I am retired, my Social Security is not very big, but the bank manages my pension at its discretion.Convincingly, I ask you to help me. Yours faithfully, XXXX XXXX
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Once again this company is charging me late fees because their auto pay is not working. After the last complaint, I set up autopay again in XXXX to automatically take the minimum payment due. My payment was due XX/XX/XXXX and autopay was on. They did not take the payment and are now charging me a late fee. This is a continuous issue with this company, every other month I have to call them. They have not fixed the issue this month. I want all late fees reversed and the payment to be taken on the due date!!! Stop overcharging me for their system failures.
Company Response:
State: MI
Zip: 48135
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Letter from Capital One on XX/XX/2023 stating a credit card application needs to have some information verified/corrected. I did not apply for a credit card.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on XXXX inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A