Date Received: 2023-08-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Incorrect reporting status. My account was reported late. I mailed off check that was not processed. I have proof of check mailed off. Check was later on processed after due date. Dispute a late payment entry on my credit report and request its immediate reversal. According to my rights as a consumer under the fair credit billing act, specifically 15 u.s code 1666b. If unable to verify the accuracy of the account, delete it from my credit report immediately as mandated by section 15 usc 1681i ( 5 ) of the FCRA
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: i UPDATED MY EMAIL ADDRESS ON XX/XX/2023 AND ALSDO DELETED THE OLD NUMBER THAT I NO LONGER OWN. SINCE PERFORMING THE UPDATE, I HAVE BEEN UNABLE TO ACCESS MY ACCOUNT, CHECK BALANCE, OR EVEN ACCESS MY FUNDS. I AM REQUESTING THAT CAPITAL ONE RESOLVE THIS IMMEDIATELY TO AVOID HAVING TO FILE LEGAC ACTION RELATED TO THIS CASE. I CALLED CAPITAL ON AT XXXX ON XX/XX/2023 AND THEY STATED THAT THEY DID NOT KNOW WHY I WAS UNABLE TO ACCESS MY ACCOUNT. THE ACCESS ISSUES ARE STARTING TO AFFECT MY LIFE AT THIS POINT. I AM EVEN UNABLE TO PURCHASE GAS TO GET HOME.
Company Response:
State: NV
Zip: 895XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently ran XXXX XXXX to check on status of my information. It had status of " Hard Inquiry '' on the account with XXXX XXXX. When I looked at information I have not had any contact with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX for years, at one time maybe 15 plus years ago I had a credit card with XXXX XXXX however since than it was added into my bankruptcy. This should not be still showing up on my credit. I tried calling the number for XXXX XXXX XXXX they had listed to talk to personell however they just kept asking for my credit card number and I have no credit card from them nor have for years. Respectfully, XXXX XXXX
Company Response:
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello, I am XXXX XXXX. I spoke with XXXX today and this is a continuation of complaint number XXXX. I called Capital One on XX/XX/2023 in regards to the status of the account ending in XXXX and was told that the missing check in the amount of {$110.00} was found in XXXX. I asked why it and the late fees and interest fees had not been posted to my account and was told by XXXX that she would credit it to my account while I was on hold. I received the statement from XX/XX/2023 showing the payment of {$110.00} was made and the amount ( {$76.00} ) of the late and interest fees were cleared but a new amount of {$100.00} was added to the account. There shouldn't be a balance on the account because I haven't used it at all! Please HELP!!
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXXXXXX XXXXXXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX POSTED ON XX/XX/XXXX XXXX XXXX ON XX/XX/XXXX XXXX
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX & XX/XX/XXXX I was denied and furnished with 2 hard inquires. I was falsely misled and deceived into applying by advertisement with deceptive emotional ploys by email and physical mail as well as advertisement through XXXX and I was not given proper disclosures about hard duplicate inquires. I feel very discriminated upon.
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I signed a lease without visiting the property. In the process, I sent {$1500.00} which included a background check, security deposit, and first month 's rent. When the time came they didnt own the property, they tried to get more money out of me and after being unsuccessful blocked me. I used XXXX to send the money. All transactions took place on XX/XX/2023. I contacted capital one and field claims and the claim came declined. In the phone call, I told them I had definite proof of the scam. I was told Id get an email where I would eventually send the proof but they didnt ask for any proof and only sent a decline of the case.
Company Response:
State: GA
Zip: 30071
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U. S. Code 1681i ( 5 ) this account is in violation of not reporting accurate.
Company Response:
State: MS
Zip: 39209
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dear CFPB, I received the following email today : " XXXX, Were restricting your Capital One account ( s ) until we can verify your recent account activity. Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you dont have an externally linked checking account or if the account linked is no longer open, a check will be mailed within XXXX business days to the address on file. If you have questions, please give us a call at XXXX, XXXX XXXX XXXXXXXX XXXX and Saturday XXXX XXXX XXXX XXXX Thanks for choosing Capital One. NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age ( with certain exceptions ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Washington DC XXXX. Products and services are offered by Capital One , N.A., Member FDIC. XXXX Capital One. '' After receiving it, I called Capital One to verify its veracity hopefully resolve the issue and get access to my money again. The representative I spoke to claimed that the bank conducted an internal investigation and found suspicious activity on my account between XXXX and XXXX. They would not specify what exactly they were referring to, though I suspect that they were talking about checks belonging to my mother which she asked me to deposit on her behalf. After informing me that the bank 's decision was final, I was immediately locked out of my checking account, CD and various savings accounts. I have tried to call back to seek clarity on when my money will be sent back to me but now they won't speak to me and just ask me to leave a voicemail and don't even let me do that. I am reaching out to CFPB because this is my Social Security money and my savings which I need to survive and pay my bills. I've already opened an account at a different bank but I have no access to my money being held at Capital One. Thanks for your help and I look forward to a speedy resolution.
Company Response:
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A