Date Received: 2023-08-07
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: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone has committed Fraud with my bank account at XXXX XXXX XXXX and has to change my account 3 times. In doing so, I have had my personal information stolen. This started in XX/XX/XXXX, XX/XX/XXXX, Then in XXXX of XXXX. My personal information was used to acquire and credit card with Capital one for XXXX. Now XXXX XXXX XXXX has taken this account over and now the total is XXXX. Now I Iive on XXXX and made XXXX in XXXX. Now i live on XXXX a month. I have called capital one explaining to them that this was not done by me. XXXX XXXX XXXX has now filled papers to collect on this debit. During covid, i could not file a police report on this matter. I called the credit bureaus and filed this claim to them and had it removed from my credit report. I had to put freezes on my reports along with Fraud alert on them. I don't know what to do from here outside of what i already have done. XXXX told me to file this report with this agency. I hope this can be resolved.
Company Response:
State: FL
Zip: 34116
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
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: 33607
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This is regarding my Capitol One Credit Card. On XX/XX/XXXX, I set out on a mission to purchase a luxury bag for my wife. Went from XXXX Washington, where I reside, to XXXX Oregon. I picked out the handbag at a XXXX store and got flagged for fraud. I called the customer protection team and they were taunting and asking me disgruntling questions avoiding helping me. Eventually I gave in and drove back home to attempt the purchase online. On XX/XX/XXXX I once again attempted to make the purchase online and it was successful ( or so I thought ) and a couple of days later I get a cancellation alert in my email saying it was flagged once again. The email was received on XX/XX/XXXX XXXX XXXX. I re-attempted the order for a different bag online. This time it was for a XXXX bag through its website and got a text message from the bank to call in order to get the fraud hold released. I called not once but thrice and every time the machine said it may be recorded for blah blah etc the call dropped. I called the direct bank phone number and it was just dead air for minutes. This is discriminating and arbitrarily illegal and requires immediate attention. I have plenty of money and have authenticated properly. My email is XXXX My personal number XXXX is also the primary phone number on my bank account I look forward to this being thoroughly investigated, Thank you XXXX XXXX
Company Response:
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I had a regular Kohl 's card. I received a letter saying I was selected for a capital one kohls charge. I told them I didn't want it. I made a charge at kohls with my regular card in XXXX XXXX. I received the charge card from Capital one even though I didn't want. I did not even activate the card. I tried to pay my bill online, as I always do, I kept getting error. I called Kohls they said they had no account and referred me to a capital one number. I called capital one to find out what is going on. They referred me back to capital one. I told him I did not want the card. He said I would have to cancel the card I never activated and reapply with Kohls. I told him I still needed to make my payment. He then said he needed to read me a disclosure, then asked me to agree to it. I told him no I do not agree to a disclosure for a card that I never activated or wanted. The card has a label on it saying to call a number to activate. After a lot of frustration, he took my payment this was on XX/XX/XXXX. The guy then stated that the payment will be reflected the next day on XX/XX/XXXX. I told him I had been trying to make the payment all day. He said it was after his time. On XX/XX/XXXX I called again to payoff and close out the card. They again went through the same thing with the disclosure and a long frustration conversation, I asked for a manager. The manager said it didn't matter is I activated my card or not because I made a purchase in XXXX that activated the card even though I didn't call the number and activate it. She again kept refusing to close out my account or take the payoff until I would agree to the disclosure. I finally to her I agree to never opening another Kohls Capital card and close the XXXX card. ( I didn't swear, but she kept pushing me. ) She took the payment and said it was closed out. This Friday, I received another statement, this time from Kohls Capital one. It showed a late fee and a overpayment, so to say the least these sent me a bill for {$14.00}. and change. I called the number on the statement, and they said they have no record even after I called the number on their statement. They tell me I have to call Capital one. I really need help. I filed a complaint with XXXX. I also seen others that were having the same issue.
Company Response:
State: AZ
Zip: 85351
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I'm trying to get access to new lines of credit, but a previous situation with Capital One and XXXX is impacting my overall credit-score. This incident happened in XXXX, 2022 with Capital One ( XXXX XXXX ) consumer credit card payment that was delinquent for over 60 days. This ( XXXX XXXX ) Capital One CC was transitioning over to XXXX XXXX responsibility during that time, and would no longer be under Capital One going forward. * This change caused confusion on the consumer side. * In addition the above change, this issue was further compounded since we recently moved and underwent an address change during that time and missed the notification entirely. My wife and I share responsibility for the payments, and tied to the card. There was a small {$65.00} charge that personally I was not aware of and went unnoticed for over 3-Months and is a poor reflection and major derogatory mark on my personal credit score. When tried to resolve the issue, they were not willing to help and made things extremely difficult to resolve. I was so frustrated, I closed the account with them and did not move forward with the new responsible party of XXXX.
Company Response:
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
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: not getting investigation in 30 days, this is my third attempt address this issues with my credit report. I have proof of all 3 prior disputes. disputes include 2 closed account still reporting capital one is a authorized user I am on account. ( FCRA ) 15 USC 1681i ( 5 ) illegal to report late payments and permissible purpose ( FCRA ) 15 U.S Code 1666b despite closed accounts are still reporting all 3 main bureaus are reporting different information reporting dates, late activity dates, closed dats.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Got my money on hold for over a year and won't release it. Refuses to close out account
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have unauthorized and unverified inquires on my XXXX credit file. They are as follows Capital one bank XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each application was for pre-approval soft pulls and I didn't authorize hard pulls. I contacted each institution to ask why they pulled my credit, they responded that the applications were no longer in there system because it was more than 30 days from applications.
Company Response:
State: NY
Zip: 12203
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had an unauthorized XXXX transaction on my Capital One account for {$1000.00} on XX/XX/XXXX. I provided proof that my phone was hacked and compromised on XX/XX/XXXX. Capital One denied my dispute stating that the payment was sent through a trusted device ( yes, I stated that when I said my phone was compromised and sent them proof ). They also claimed touch ID or face ID was used to make the payment which is a complete lie. I do not have Face ID installed on my phone nor touch ID. I did not make this transaction and they will not protect me.
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A