Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX, XXXX I received an Inquiry from Capital One Auto Finance, stating that there was a late payment. I was never late on this account, I paid on time but you're listing me as late, it needs to be updated to paid as agreed. Please send me the documents that prove that I was late. If you can't show me proof, you need to remove this late payment. This is a permissible purpose and is a violation of the fair credit reporting act.
Company Response:
State: MS
Zip: 38655
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: CapitalOne closed my account and claimed that check I deposited was fraudulent. I usually deposit my check into my XXXXXXXX XXXX but after latest updated app was not responding so I did a mobile deposit into Cap1 account on XX/XX/XXXX ( I've had it and actively used for can not even recall how many years ). Today I received email stating that my account is restricted until Cap1 verifies recent activity. After I logged into account, i saw that check deposited on XX/XX/XXXX was reversed. I called in, i was told to upload some verification docs, and call back. I uploaded my DL, called back and after barrage of question whose check it is, why i deposited i into cap1, and so forth I was told that check I deposited was fraudulent and my account is closed as of now. Any attempt to resolve fell on deaf ears. To add insult to the injury Cap1 refused to provide a timeframe for my money becoming accessible ( wire/transfer out or just check by mail ) claiming they need to do a " review ''. The fund in my account are from previously CLEARED checks. Those are not Cap1 money to hold indefinitely. Those money are intended for bill payment and Cap1 is preventing this.
Company Response:
State: OH
Zip: 43209
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Tried to make a payment plan over the phone, plan was set and accepted, but they supposedly closed my account and i cant access it.
Company Response:
State: LA
Zip: 70607
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I was pre-approved for a auto loan through Capital One Auto Financing. On their site there were cars that said Pre-Approved with payments and everything. I assumed the cars were safer mechanically since the Finance company had it mark PRE-Approved. So I went and looked at it, I ended up purchasing the car on XXXX XXXX, 2023. From # XXXX XXXX, come to find out 6 months later the engine blew out on XX/XX/2023. After asking questions, I found out that the car had A MAJOR LEAK IN THE OIL COOLER ASSEMBLY, THAT INFORMATION WAS HIDDEN FROM ME. I paid {$2000.00} cash. Financed around {$11000.00} with Capital One. The dealership hid issues with the vehicle Im only learning this now. I contacted Capital one auto many times to see if they could help with the dealership repairing What caused the engine to malfunction. Im getting no where, they keep saying They filed a dealership Complaint 2 times since I kept demanding it. One agent there said just drop the car off there and leave it as a Volunteery buy back. I said that sounds Ridiculous! I explained to Capital One, I followed your site, your pre approval, I thought it was better then just going anywhere. Why would they post bad cars if they wanted paid every month. I trusted them. I feel I was scammed. I have a LOAN balance of {$10000.00} as of today. No help with the Finance company, putting pressure on the dealership to fix this. I cant get to work without a car. I cant make payment with out a job. I still have to make Insurance payments of {$400.00} a month. I need them to go after the dealership for being deceitful. If the finance company wants paid, they need to do better and check out the cars they are PRE-APPROVING on their site. Are they working together to rum scams in bad cars so customers are stuck. They need to step up and help! I cant add files from my phone, all my files are on my laptop. I will log in later to add files. Thank you
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is capital one is was close on XX/XX/XXXX of 2021, the amount of the account XXXX I try to dispute it and told them the someone else one open the account and they really didn't do anything about the situation. This is XXXX XXXXXXXX XXXX it was Closed on XX/XX/XXXX of 2021, the amount of the account XXXX I did the same for all three of them. this is XXXX XXXX XXXX is was close XX/XX/2021 of 2021, the amount of the account XXXX when they call I told them that is was a identity theft but. they didn't t believed they thought I just was to get out of pay of the debt. when I got card I just rip them apart and throw throw them away and recent I think homeland Security call to talk to me because someone was file fraud against me when some else using my information was and I have two checking account close as-well it was XXXX XXXX and XXXX XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85335
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights under 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 Under 15 USCS 1666b a creditor may not treat a Payment on a Credit Card Account under an Open End Consumer Credit plan as late for an Purpose.
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: My capital one account XXXX is not reporting on my XXXX report, It once was now it has disappeared it is showing on XXXX and XXXX. I have contacted both capital one and also XXXX
Company Response:
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, I was a victim of fraud on Thursday, XX/XX/2023 where an individual asked if I authorized a transaction for a XXXX where I said no, in turn they pulled up my account and stated they needed to connect me elsewhere, so XXXX connected who claimed they were with the US Marshalls called me from a number XXXX claiming someone has been using my name to open accounts, and do illegal activity such as money laundering and drug trafficking. At this point Im scared out of my mind and unfortunately does what he says such as going to XXXX withdrawing {$500.00} of my money and placing it on a money card and giving them the card number after saying it would be used for authorization purposes for when I get a new social security number. I will be filing a police report this week.
Company Response:
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I got a phone call from XXXX XXXX XXXX on XX/XX/XXXX and they told me that there was a credit card account in my name. I told them that I have been living in poverty for years and I am not in the position to open any financial accounts. The account number is XXXX and the account was opened in XX/XX/XXXX. The name XXXX XXXX was put as an authorized user. XXXX XXXX lived next door to me in XX/XX/XXXX but she got evicted by XX/XX/XXXX and she used a XXXX XXXX XXXX XXXX, Ca XXXX. Midlands number is XXXX.
Company Response:
State: CA
Zip: 93610
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In or about XXXX of XXXX I received notice that Capital One was closing my credit card account. On or about XX/XX/XXXX Capital One issued me a check for the balance of my security deposit ( This was a secured credit card ) less the balance that was to be paid off. On or about XX/XX/XXXX I received word that I had a balance on my card. Now, at about this time I was out of the country so I just made a quick payment, thinking that I just forgot to pay it, somewhat forgetting that I had received a check with the remainder of the balance. Since then, I've looked into this more and realized that my account had received multiple charges in XXXX all the way into XXXX of XXXX. Now, my account was CLOSED. I did not close it. Capital one Closed it. So in my eyes, I had no balance, I had forgotten about this card, and now my credit score has tanked because I've missed payments. But, again, the account is CLOSED! So why are charges being made to the account???? I did NOT authorize any charges after the account was deemed CLOSED by the bankl
Company Response:
State: NY
Zip: 13021
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A