Date Received: 2023-08-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been a Loyal Credit Card holder with Kohl's/Capital One since XXXX with an Excellent payment history until XX/XX/XXXX. I had received a call from a Kohl 's Customer Service Rep about my monthly payment being 30 days past due. I was unaware of the payment because I do not use the card often. I did pay the full balance, {$50.00}, which brought the account to a XXXX balance and had the late fee removed by the Rep which I kindly appreciated. The Rep told me that Kohl 's had reported to all the 3 Major Credit Bureaus, XXXX, XXXX and XXXX about the 30-day late payment, I was unhappy to hear that news. I take pride in maintaining a positive credit history by making my payments on time when they are due, and this was why I had an Excellent payment history with all my financial obligation until this unfortunate incident. I did not have Autopay setup at the time of the late payment, but it was setup on XX/XX/XXXX to avoid this every happening again. I mailed a letter to Kohl 's Collection Department on XX/XX/XXXX kindly requesting a Goodwill Adjustment of the 30-day late payment that was reported to the 3 Major Credit Bureaus XXXX They responded on XX/XX/XXXX with a letter of denial. They stated that the information that was reported was accurate and updating the information as I had requested will create an inaccurate representation of the status on my account. The integrity of the credit reporting systems relies on the validity of the information furnished. At no time did I state that the information that was reported was inaccurate. I stated in the letter to Kohl 's that it was an oversight on my part taking ownership. The 30-day late payment that has been reported has decreased my credit score to at-least XXXX points on all 3 Major Credit Bureaus and to be punished for this one-time mistake has been detrimental to my credit status. I am requesting that XXXX XXXX reconsider their decision as a Goodwill Gesture for a Loyal Credit Card Holder since XXXX will an Excellent payment history.
Company Response:
State: NC
Zip: 28216
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX, I applied with my personal bank for auto financing. When approved, I contacted the dealership that I wished to purchase from and affirmed with them that they had received the financing package from my bank, and that I could come down and purchase a car. Once I chose the vehicle, an unknown financing agent in the auto dealership, continued without my authorization, to pull various credit reports, with unknown and unapplied to lenders. At the dealership, I informed the finance manager, that the inquiries were unauthorized and should be removed from my credit report immediately. Furthermore, I have a FULL FRAUD ALERT/CREDIT FREEZE on my credit files at all XXXX credit reporting agencies, and it requires them to contact me to verify if a credit application has been sent to them. None of the companies that were not authorized to receive my credit, followed the proper procedure, and this is a violation of my rights under the FCRA, when a credit freeze is applied. Furthermore the companies in violation, have made no attempt to correctly follow the verification process for my credit file. On XX/XX/2023 at XXXX, XXXX, I contacted the credit reporting agency responsible for allowing my credit report to be given to unauthorized parties, but again, this CRA XXXX XXXX, stonewalled with an automated system for XXXX minutes, then hung up the call when I reached the consumer affairs department to speak with XXXX XXXX and then XXXX XXXX who hung up the call ). This type of behavior, is again a violation of my rights under the FCRA, and if continued, I will engage, once more, in aggressive litigation against all parties who were involved in this egregious violation of my personal credit information, which also caused a loss in credit score, which is a damage/recoverable offense, in litigation, on my behalf. If these companies do not comply with immediately removing their inquiries from my credit report, and refrain from any future unauthorized credit access to my information, I stress again, that I will file aggressive and financially punitive litigation against the offending parties.
Company Response:
State: NV
Zip: 89135
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 purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Capital One credit card was stolen on XX/XX/2023 and a fraudulent charge for {$800.00} was made later that day.
Company Response:
State: NC
Zip: 28443
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: There are fees that were not discussed before the contract. All my rights were waved once I signed the contract. Full disclosure was not provided. XXXX XXXX report was filed on XX/XX/2023. report number : XXXX we are filing this due to unconscionability of contract.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Thursday, XX/XX/XXXX, I entered branch to activate on-line access to my accounts. The tellers refused to assist, saying we do everything on-line now. After a few minutes one teller sat with me and helped set-up my cell number, stating it would take XXXX hours to access.3 days later I tried logging in, attempted the phone service team and was promised resolution in 3-4 days ; Very frustrating and I received no promised call from a manager. Now, weeks later, I tried again and your representative said it may take another 30 days to get this resolved. WHAT? This is my hard earned money being held captive and I am unable to transfer funds and pay my bills. I will be taking legal action for my grief as well as well as removing all funds from the bank as soon as I am able. This was the error code that takes XXXX weeks to look at ; We've hit a snag. Looks like something went wrong with the site, but we're working on it. Please try again shortly. XXXX OK Please visit our FAQ for more information.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have tried to locate the information of the bank and can't find the exact phone number. I need to report all credit bureaus because I am unable to verify all the information in proving my identity... I did file an identity theft police report
Company Response:
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
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: Hello, I'm writing this to see if capital one and XXXX XXXX can remove a missed Payment that occurred on XXXX of XXXX. At the time I was working as a XXXXXXXX XXXX XXXX XXXX. Due to covid at the time I was laid off and could not get another job because Maryland was on a emergency shut down. Any job deemed not essential was shut down so I was forced to switch job trade to XXXX since it was one of the few job deemed essential. As soon I stared working I paid off my credit card balance and have not missed a payment since. I have tried many time to dispute the late payments online since the missed payment was due to a naturally declared disaster and many people was affected I could not do anything because of the shut down. Can capitol one please help me remove this blemish on my credit report, it has affected me by limiting my credit score and hindering me from getting loans for houses and a personal loans. I would like to see this missed payment removed. I hope you understand that the circumstance I was put under was out of my control at the time. Thank you so much for your understandin
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Dear CFPB! My bank closed my checking account and promised to send checks back to me in XXXX. The amount is XXXX . But I havent received it after three months. Every time I tried to reach out to the bank, the representative told me there was no update. This is very frustrating and confusing. Please look into my case and help me!
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have been using capital one for more than 15 years. They currently froze my account. They said I needed to send them a copy of my drivers license, Social Security card, and proof of residency. So many scams out there I'm not real comfortable sending a picture of my Social Security card. Do I have to do that? Can they asked me to do that?
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Capital1 pottery barn rewards card. So company will always send a statement notification if I owe them money. ( I am set up for email notifications but there is not an option for any notification related to rewards. ) The company did not send any notification when rewards were going to expire so essentially taking my money/value without a proper ( or any ) notification. Had I known that {$660.00} would reduce to {$0.00} I absolutely would have made use of the rewards. I can only imagine this practice has resulted in $ millions of dollars taken from consumers. The agent on the line didnt have easy access to see past history to show activity. My experience is that cap1 sends you to pottery barn and pottery barn sends you to cap1 and round and round. The agent also said she didnt have an escalation process. I have the statement that shows the rewards. ( Can provide if needed ) Also the statement doesnt clearly show that the reward is expiring-you have to go to small print to get link to go to another site. Spoke to XXXX-nothing they can do. She ran past lead XX/XX/2023 XXXX
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A