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: Capital One and XXXX continue to report this account incorrectly. The account has been paid in full and discharged. Per the IRS this is now considered a certificate of indebtedness and is income. Income can not be reported. Capital One agreed in their terms and conditions agreed not to release my non public information to non affiliates. XXXX is not an affiliate of Capital One and is not the credit bureau. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. XXXX is a private owned company does furnish reports based on profit. XXXX does not have my written consent to furnish ANY of my financial history with Capital One. Capital One is required to refund any balance due back to me within 7 days. I am requesting my payment be sent immediately. This account is listed multiple times on my consumer report with the same account number with my financial history attached. You can not have the same acount number for multiple accounts.
Company Response:
State: MI
Zip: XXXXX
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: Fraud or scam
Subissue:
Consumer Complaint: All these companies these on my credit report I know nothing about especially credit acceptance thats why I have a low score I dont even work anywhere i am waiting on my disability I never received my rebate check when I filed it .I got a letter to come in to make sure it was me but never got to because mom lost her car during the pandemic when she lost her job at home due to discrimination
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fait 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 also states a consumer reporting agency can not furnish an 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 as late for any purpose.
Company Response:
State: FL
Zip: 33458
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a capitalize card in XX/XX/2023 I was informed that someone made a payment on my account. And I need to send a statement from that bank. I dont know who sent the payment and I dont even the name of the bank so they put a restriction on my account till I send the statement. Then they started adding late fees. Because I didn't send a payment on account I can't use.
Company Response:
State: PA
Zip: 16335
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Greetings, I have a payment scheduled for XX/XX/2023 of XXXX. On XX/XX/2023 I get an email from Capitol one stating I have not made a payment even though I have it scheduled to come on out XX/XX/2023. This led me to make another payment so I would not get a late fee. I think in this day and age that a credit card company can track when future payments are being made and not send out erroneous emails saying I have not made my payment.
Company Response:
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Fixing Credit Consumer financial protection bureau -submit claim Improper use of report Message to copy : In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an 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 plan as late for any purpose.
Company Response:
State: IL
Zip: 604XX
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Sumbitted a prior complaint regarding Capital One. Received response that was incomplete and/or nonresponsive. CFPB indicated I have until XX/XX/2023 to submit a response but the original complaint is closed and will not allow me to respond further.
Company Response:
State: WA
Zip: 98059
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: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Capital One Quicksilver Card was issued with a limit of {$1000.00}. Deeming this insufficient for use, I have asked twice to have the limit raised. XXXX other cards in my wallet have limits ranging from {$9500.00} to {$15000.00}. What really offends me is that after I told them I can not use the card with such a low limit, I was rejected in my application for a higher limit, for the reason of " monthly spend has been too low ''. And the rejection letter ( attached ) claims to share additional information about the rejection, but does no such thing. I have sent Capital One a letter making this request for a third time, and have heard nothing.
Company Response:
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance to fair credit reporting act my privacy have been violated 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX : was opened not aware ( I'm XXXX XXXX and XXXX Capital one : was opened not aware ( I am XXXX XXXX and XXXX Capital one savor : was opened not aware ( I am XXXX XXXX and XXXX
Company Response:
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A