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
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are hard inquires ON ALL OF MY CREDIT REPORTS That I never authorized
Company Response:
State: SC
Zip: 29073
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent. I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked. I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated. I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.
Company Response:
State: GA
Zip: 30024
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: Improper use of your report
Subissue: Report provided to employer without your written authorization
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 states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account open end consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am a XXXX holder for over 10 years. I am attempting to inquire about the benefits on my card. I have XXXX Capital One XXXX XXXX XXXXXXXX and I contacted XXXX to verify my benefits before I travel out of the Country. Capital one provided me with a Guide to Benefits. This Guide to Benefits contains detailed information about insurance and retail protection services you can access as a preferred cardholder. This Guide supersedes any guide or program description you may have received earlier. After contacting XXXX, they are saying my XXXX XXXX XXXXXXXX has no benefits at all, and all customer service reps ( XXXX ) whom I have spoken with over the last XXXX weeks are saying this is unheard of and very unusual. I have spoken with XXXX Supervisors and a Supervisors Supervisor, who claim to have escalated my concerns to XXXX It has been XXXX weeks, and still no response from XXXX. I call everyday to XXXX a manager who has escalated my case, at XXXX. XXXX keeps telling me they are still waiting to hear back from XXXX Execs. I travel out the country in XXXX days, and I need a letter from XXXX verifying my rental car coverage as well as my trip cancellation coverage. I need to know that I actually have all the benefits that are promised to me as a XXXX XXXX Card holder. I have spent numerous hours trying to get a normal verification of benefits letter from XXXX, yet no one can help me or no one can explain why my XXXX XXXX cards ( XXXX ) dont have the benefits outlined by Capital one and my XXXX XXXX XXXX benefits guide. XXXX XXXX XXXX Please do not let XXXX get away with promising benefits to customers to open accounts, but not standing by their agreements and benefits when a customer tries to use them. THESE ARE DECEPTIVE FINANCIAL PRACTICES ON BEHALF OF XXXX. PLEASE HELP THE CONSUMER!
Company Response:
State: IL
Zip: 60115
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 would like to have these unauthorized fraudulent inquiries removed from my credit report XXXX Inquiry : XXXX XXXX, XXXX + Department/Variety and Other Retail ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXXXXXX XXXX
Company Response:
State: GA
Zip: 30349
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: 2023-08-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 15 usc 1681 law incorrect information reporting on my credit report and its defamation of my character and making it hard for my credit score to improve.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have noticed that capital one has illegally reported my account with the CFPB. And this is reflecting on my credit score. I would like for this account to be removed from showing on my credit score. 15 U.S. Code 1681- Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Company Response:
State: OH
Zip: 44052
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 with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Hi, I had traveled out of the country to the carribean in XXXX to celebrate my sister birthday and I booked an excursion through XXXX. Unfortunately I was not able to do the excursion because of personal reason so I canceled a day before through the app of XXXX and it seems like there was a glitch due to lack of connectivity being so that I am unable to have phone service in the XXXX besides the Wi-Fi and connectivity the hotel provides. I canceled on time and even though the XXXX XXXX sent me the only proof a few hours later of my cancellation the merchant denied my full refund. I disagree with the way they handled this situation and did not honor their policy. I proceeded with the dispute through my credit card company which is capital one spark business card and I am extremely disappointed with how they handled this dispute. They denied my dispute three times after I have sent multiple evidence showing the transaction, times and explaining that XXXX sent the cancellation hours later and even informing them that the phone service is not the best out there. They completely denied and I upset that I am being charged for service I did not even use and being taken advantage as a tourist in another country which is nothing new now indays but my credit card company not helping me out nor investigating as they should. I would submit my dispute with all attachments and they would send an automatic denial letter within 30 min, like what type of investigation is this. I do not want to be part of this company so I will closed my account because if they cant help out their clients with a transaction of {$310.00} I do not want to go through a transaction of over {$1000.00} and not see something resolved. Now I have to pay to my credit card an amount that should have been resolved but they are money hungry and not resolving my issue.
Company Response:
State: FL
Zip: 33155
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 with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Why is it that when I use a credit card my credit is affected IMMEDIATELY. But when I pay off a credit card it's NOT reported IMMEDIATELY? That is wrong and unfair.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A