Date Received: 2023-08-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have talked with the company several times about charging fees for an amount I disputed to a vendor in XXXX. They did not honor my request to not pay this vendor, and I refused to pay them. I ended up paying the vendor, but since I was also filing a complaint with the XXXX XXXX XXXX, I wanted to wait to find out if they were doing anything on their end. Meanwhile, the credit card company ( Capitol One ) kept charging me fees and interest. I talked with them yesterday, and after being put on hold several times and ending up with a foreigner who I couldn't understand, was told I would have to pay the fees. I feel that it is unfair that I should be charged fees when I was not served by the company in trying to keep from paying the vendor, who was negligent in their service.
Company Response:
State: TN
Zip: 37415
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The companies receiving this complaint are inaccurately reporting multiple accounts and continue to do so although other consumer reporting agencies have removed these items and I have submitted proof that they have deleted these items as of XX/XX/2023 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and XXXX are consumer reporting agencies and I am the ConsumeXXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' CAPITAL ONE is a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to sub section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' So again CAPITAL ONE the financial institutions and the consumer reporting agencies XXXX and XXXX DO NOT have my consent to furnish any information. Furthermore XXXX, XXXX, and CAPITAL ONE, also DO NOT have my written consent. I have stated this in writing in the past and am doing so again now. Any and all consent to XXXX, XXXX, and CAPITAL ONE, whether it be written, verbal, non-verbal, implied, or otherwise, is revoked. CAPITAL ONE, also has never informed me of my right to exercise my nondisclosure option. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As stated above this was never done, Furthermore 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' XXXX, TRANSUNTION, and CAPITAL ONE are reporting an adverse item and again they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1861C of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Under 12 CFR 1016.7 " A consumer may exercise the right to opt out at any time. CAPITAL ONE I the consumer again as I have in the past, I the consumer am opting our of your reporting services. CAPITAL ONE is also reporting income. A charge off is a certificate of indebtedness and is considered income under IRS Publication 4681. A certificate of indebtedness is income which can not be reported to a consumer report. A 1099 was filed by CAPITAL ONE to charge off, not only did they not send me my copy but they continue to report these items illegally.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because of returned payments. I reviewed the account and found no evidence of any returned payments. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately, the agent held her position that the company would not be able to reopen the account. Knowing the regulations set forth in the Truth in Lending Act, and the Equal Credit Opportunity Act, I realized that I am being deprived of my rights. Due to the actions of the company, my faith is torn and I am devastated that the company would act in such a manner, given that I have been a valuable asset to the company. My family is being affected by the company actions. My wife and children are currently suffering due to the fact that we are not able to able to utilize the credits for food and other personal, family and household necessities.
Company Response:
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Company Response:
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is articulated that : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Both XXXX and XXXX qualify as consumer reporting agencies, and I am the designated consumer in this context. My right to privacy, specifically to ensure that my personal information remains confidential, is underscored by 15 USC 6801 : " 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. '' For clarity, the [ Furnisher of information to credit agencies ] falls under the definition of a financial institution according to this title. Further, 15 USC 1681, section 604a, section 2, highlights that : " In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither the [ Furnisher of information to credit agencies ], nor the consumer reporting agencies XXXX and XXXX, possess my explicit or written consent to furnish this data. I hereby revoke all forms of consent - verbal, non-verbal, written, implied, or otherwise - given to XXXX, XXXX, and the [ Furnisher of information to credit agencies ]. Moreover, 15 USC 6802 ( b ) ( c ) specifies : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The [ Furnisher of information to credit agencies ] failed to notify me about my right to exercise my nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' The account in question is an adverse item being reported without my consent, in direct violation of the law. Furthermore, 15 U.S. Code 1681s-2 ( A ) ( 1 ) A declares : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' While 15 U.S. Code 1681e insists : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. It appears that XXXX and XXXX are failing to uphold these reasonable procedures. Lastly, 12 CFR 1016.7 reiterates : " A consumer may exercise the right to opt out at any time. '' I am formally exercising my right and opting out of your reporting services.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am a victim of identity theft my account was hacked all XXXX cards were closed by capital one for fraudulent activity in which someone had stolen my identity hacked my accounts again begin to use my cards and transfer money from my bank accounts, I disputed with capital one they knowing still are reporting me late after credit cards been shut down for fraud when I disbuted the charges they closed XXXX out with XXXX balance but left XXXX open with balance I dont owe! I didnt make those charges!
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check in the amount of {$5600.00}. I was instructed by Capital One Bank that all of my funds will be available for use and withdrawal today which is XX/XX/2023. When today came my funds posted but not available for use it says.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Ive filed a complaint with Capital One for my checking account on an on going depute with The XXXX XXXX for a transaction that happened on XX/XX/2023 for XXXX. I reached out to XXXX XXXXXXXX XXXX several times before filing a complaint and dispute with Capital 360 bank after I paid XXXX To have flooring delivered to my house my XXXX XXXXXXXX XXXX because XXXX XXXX XXXX XXXX cant do it my self. Ive provided capital one 360 all kinds of information a ver detailed stand even my XXXX information etc. and they are still rolling in favor because the back office of Capital one states that I used my pin for the transaction. Well yes I did use my pin for it because I had to by the product first then have it delivered to my house mby XXXX XXXX and that never happened and now I feel XXXX XXXXXXXX XXXX along with Capital one is discriminating against me because of my disabilitys and Im getting ripped off my Capital one for XXXX.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone theft my identity and opened an account with Capital One Bank in my name. Also, the check amount of {$140000.00} under my name was stolen from my Adjuster ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which was sent from my house 's current mortgage insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for my fire damage house repair.
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
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: Theft via Capital One who allowed an account created in my name on XXXX. I was alerted and they canceled the account, saying was FRAUD. But they have Hard Inquiries on my account from that day. I put FRAUD ALERT on all Credit Bureas ; however they allowed another HARD INQUIRY on XXXX. They say it takes a lot of time to remove these things, but XXXX finally told me to file this report. They should be sued for allowing a second attempt without calling me due to the FRAUD ALERT, which is also now a Security Freeze. Thank you kindly, XXXX XXXX
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A