Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: there was an illegal reinsert of an account that was taken off my credit report that does not belong to me. The FCRA states that your information may not be reinserted onto your credit file by the credit reporting agency unless the information is indeed mines and the consumer reporting agency is required to send the consumer/myself a written notification within 5 business days that the account is being reinserted and I never received the notice at all. Here is the account : CAPITAL ONE # XXXX
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: In XX/XX/XXXX, I applied for a CapitalOne Quicksilver card to improve my credit score. I was approved for the credit card. It did not arrive within the 10 expected business days. The application slipped my mind, but then I noticed about 30 days later that it appeared on my credit report. I called to inquire about the card, and was told a new card would be sent. It never arrived, but on my next credit report I noticed the card balance was maxed out. I had an {$800.00} limit. This was also during a time where USPS mail fraud was high. I called to report fraud, and was told the charges would be erased and a new card would be shipped out. I never received a new card. I continued to call over the next year, requesting the fraud be removed, and at this point, that the card would just be closed entirely. Different customer service agents communicated repeatedly that I would see this removed from my next credit report. At no time during the process did any agent agree to give me a case number ( which I asked for, or seemed to have any notes on my prior calls ). I would call intermittently ( typically monthly ) as I would check credit karma and myannualcreditreport ( again in XX/XX/XXXX ) to see if the card was not showing on my credit report. At the same time, it appeared either CapitalOne had done something in the system to not show delinquency, or that the person in possession of the card was making minimum payments because it never showed delinquent. So, no card in my possession, but it was maxed out, overlimit, but paying on time. My annual free credit report verified this was what it was showing again a year later in XX/XX/XXXX. I filed disputes through XXXX for this card 's activity. In XX/XX/XXXX, I got ahold of an agent who said, " well if this was fraud it would have been reported earlier, '' - essentially accusing me of lying and implying there were no previous case notes. He did not do anything to try to resolve the fraudulent charges, even though previous agents communicated repeatedly that the approximately {$800.00} in fraud charges would be removed. This is a UDAAP violation, since these charges are fraudulent and prior agents said this would be addressed. He did tell me the card would be closed, however. It was not. When I saw the credit report did not reflect a closed card I continued to call again, approximately monthly. On XX/XX/XXXX, the agent I spoke with said the old card would be closed and a new card would be reissued. However, instead of eliminating the fraud and closing the original card the agent reran my credit. I have a new hard inquiry from the date of that conversation, BUT I NEVER GAVE PERMISSION TO DO A NEW CREDIT PULL. I asked that the missing card with fraud be resolved and replaced. I did receive the new card. Now my credit report is showing two open CapitalOne cards- one that I have in my possession that is 2 months old ( I am actively using this to try to increase my trade lines and improve my credit since the fraudulent card is negatively impacting my credit score ) and the card from XX/XX/XXXX that I never received and am not able to get closed despite attempting to work with CapitalOne on at least a dozen different occasions. Please help resolve this situation- thank you!
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
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: Here is all the complaints that nobody can fix. Its very apparent there is a problem, however nobody from either company cares to fix this. I have proof on both accounts and yet here we are. No help no resolution just another company taking advantage of the consumer.
Company Response:
State: NV
Zip: 89081
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a debit card from XXXX today that was opened without my knowledge.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-08-29
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX, KOHLS CAPONE Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Company Response:
State: MN
Zip: 56201
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: 2023-08-08
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: READ ATTACHED. Capital One STOLE my XX/XX/XXXX {$100.00} payment for card ending in # XXXX on XX/XX/XXXX and charged me 4months interest. Capital One has vandalized both my two Capital One Cards # XXXX & # XXXX since XX/XX/XXXX by not returning the interest from a dispute for charging me twice {$69.00} and XXXX more illegal billing violations as described in my attached XX/XX/XXXX letter to Capital One. Capital One has SEVERLY Compromised both my # XXXX & # XXXX cards and I am NOT legally liable for fraudulent Capital One compromising both my XXXX Capital One Cards. FCRA, FDCPA, XXXX XXXX AZ Consumer Fraud Act and FCBA. Capital One closed both cards illegally on XX/XX/XXXX. Capital One has been lacing both cards with false line entries to create interest, moving my payments back and forth to create interest and stealing my XX/XX/XXXX {$100.00} payment for # XXXX card on XX/XX/XXXX. Please add my claim to the new Class Action Lawsuit against Capital One. I am out {$300.00}.
Company Response:
State: AZ
Zip: 85258
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased coins from merchant. The coins that were delivered were not what I ordered. I returned the coins to merchant. Merchant did not refund or reship the correct coins. I attempted to resolve this with merchant several times. Merchant did not respond. I filed a dispute with Capital One. I sent to them proof that I returned the coins, ( tracking number ), and I sent pictures of the coins that I received. XXXX finally refunded back to my card, see attached receipt received from merchant. Despite several letters to Capital One they have refused to credit my account. Even going so far as to claim that I did not file the dispute in a timely manner, this is not true, see attached letter from Capital One dated XX/XX/2023 acknowledging the dispute. Merchant has issued the refund, yet Capital One has failed to refund back to my card. I don't have the coins and I don't have the money.
Company Response:
State: FL
Zip: 342XX
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: 2023-08-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credt Reporting Act Account Name : Capital One Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights. Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX/XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 a late for any purpose.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2023 a charge to XXXX for tires of XXXX Tires were never received XXXX verified and issued a refund of XXXX on XX/XX/XXXX then a second refund of XXXX a total of XXXX for a total refund. One tire was on back order XXXX could not refund for a tire not issued which is why there were 2 refunds. after a request on XX/XX/XXXX, Capital One issued a refund of XXXX in addition. This refund was an error. I should have never received the refund from Capital One on XX/XX/XXXX. On XX/XX/XXXX XXXX issued another charge for back ordered tire which I never did receive as well. There is an outstanding charge of XXXX on the current statement, which I have requested an investigation from Capital One.
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have contacted Capital One multiple times telling them to stop mailing credit offers to my home when the addressee doesn't live here. I have written RTS on the mail and even called them, to which the customer service associate told me that I would no longer receive mailings, but they still occur. I submitted a CFPB complaint ( XXXX ) on XXXX, and the company responded on XXXX saying they would do an opt-out for my address and addressee. So on top of them NOT doing that ( I received yet another piece of mail today, XXXX ), they also failed to fix the issue - XXXX XXXX DOES NOT LIVE AT MY ADDRESS SO STOP SENDING MAIL TO IT. That is not an opt out, it is a permanent remove from your system or fix. I've run out of options other than filing yet another complaint because they failed to correct the issue.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A