Date Received: 2023-07-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These accounts and inquiries are not mine they was made without my permission, or consent,. inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Company Response:
State: MN
Zip: 55406
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened Capitol One Venture X credit card account for the sole purpose of utilizing the advertised benefits that the card was offering, specifically but not limited to the use of Priority Pass and all inherent secondary attributes. Capitol One Bank vigorously advertised the Venture-X credit card in this manner in order to attract business. After opening the account, paying the substantial annual fee, and applying a modest balance, I used the card successfully for approximately 1 month. Shortly thereafter, locations which accepted Priority Pass benefits intentionally forbade and denied said benefits to its members ( in good standing and without warning ) that utilized the Capitol One Venture-X Card. Furthermore, Priority Pass discriminated against ONLY Capitol One members and no others, placing the onus of ethical integrity squarely on Capitol One Bank. Priority Pass offered no recourse and instead blamed Capitol One for its denial of advertised benefits. After reaching out to Capitol One to rectify the situation, which now was clearly misleading if not a blatant violation of implicit contract, perceived, real, or otherwise falsely advertised, Capitol One refused any relief. As such it is reasonable to assume through a preponderance of evidence that Capitol did engage in unethical and nefarious predatory lending practices in order to attract a specific customer base, capture substantial windfall monetary profits in annual fees and balance accruals, and thenceforth deny the benefits used to attract said customer base. Payments to a non-credible, malicious lender have ceased until a resolution can be obtained. Caption One has since engaged in a campaign of harassment, collection agencies, unrealistic fees, interest rates, and numerous negative credit reporting in order to extort the consumer into paying. Capitol One has has refused to rectify the situation despite the consumer ( me ) reaching out in a good faith effort to pay the balance to zero without penalty and relief from the contract which no longer is as advertised. I have verbally advised Capitol One Bank of my intent to file a regulatory complaint, to which they did not change their position.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I am writing to report a fraudulent credit card that has appeared on my credit report. My name is XXXX XXXX, and I recently discovered this unauthorized account listed under my name. I am extremely concerned about the potential damage this fraudulent activity may have on my creditworthiness and financial well-being. I first became aware of this issue when I received a notification from your credit monitoring service. The account in question, with the name [ Capitol 1 ], is not one that I have ever applied for or authorized. It is clear to me that someone has fraudulently obtained credit in my name, and I am deeply disturbed by this discovery. I have taken measures to protect my personal information and mitigate any further damage, such as initiating a credit freeze and monitoring my accounts closely. However, I now request your urgent assistance in rectifying this matter by removing the fraudulent credit card account from my credit report. I would appreciate it if you could conduct a thorough investigation into this fraudulent activity and implement the necessary steps to rectify any negative impact it may have on my credit history. Furthermore, I kindly ask that you provide me with regular updates on the progress of your investigation and the actions being taken to address this fraudulent account. I understand the importance of your role in safeguarding the integrity of credit reporting, and I trust that you will handle this matter with the utmost professionalism and urgency. Please note that I am willing to provide any additional documentation or information that may help expedite the resolution of this issue. Additionally, I request access to a full copy of my credit report, free of charge, as allowed by law, to ensure that no other fraudulent accounts have been opened in my name. I appreciate your attention to this matter and look forward to your prompt action in resolving this fraudulent credit card issue. 15 USC 1681 refers to Section 1681 of Title 15 of the United States Code, which pertains to the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates the collection, dissemination, and use of consumer information, including credit reports. It establishes guidelines and requirements for credit reporting agencies, credit reporting disputes, and consumer rights related to their credit information. Some key provisions under 15 USC 1681 include : 1. Accurate Reporting : Credit reporting agencies must ensure the maximum possible accuracy of the information contained in consumer reports. 2. Dispute Process : Consumers have the right to dispute information they believe to be inaccurate or incomplete on their credit reports. The FCRA outlines the process by which these disputes must be investigated and resolved. 3. Investigative Consumer Reports : The FCRA sets requirements for the use and dissemination of investigative consumer reports, which contain personal and sensitive information gathered through interviews and investigations. 4. Consent and Disclosure : The FCRA outlines the conditions under which consumer credit information can be accessed, disclosed, and used, ensuring that consumer consent and disclosure requirements are met. 5. Identity Theft : The FCRA establishes procedures for addressing the fraudulent use of credit information and provides consumers with rights to dispute fraudulent or inaccurate accounts resulting from identity theft. It is important to note that while I can provide general information about 15 USC 1681, I am not a legal professional. For accurate and detailed legal advice regarding the Fair Credit Reporting Act or any specific legal matters, it is advised to consult an attorney or legal expert. Thank you for your understanding and cooperation. Yours sincerely, XXXX XXXX
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: The theft using my information opened checking account ending XXXX, in capital one. The account was opened at XX/XX/XXXX, closed XX/XX/XXXX by the theft. I contacted capital one and case number is XXXX. I also found capital one had put a hard inquiry on my report.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Capital one card was issued and activated ; on my information without my knowledge right now the balance on the card ending with XXXX is {$200.00}, I never had this card, or activated or used it ... .on calling the customer service XXXX, after long delays, I was told by XXXX senior supervisor, some kind of member ship with BJ 's was renewed for {$55.00} rest all is interest and fines. but I have moved from XXXX to XXXX more than a year back, and I have not been to any BJs in last 18 months. this membership renewed without consent. and i never had this credit card of capital one. please investigate and penalize them for this business practice.
Company Response:
State: MA
Zip: 02720
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Issue : Im a former Capital One customer who thought I held a high-interest account, but was tricked just like outlined in these articles. Capital One maintains deceptive and predatory practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX though Capital One no longer grants me access to my former account statements to review exact dates. Amounts : between ~ $ XXXX of lost interest in my accounts Action taken : contacted the company several times, and was told they would not rectify the situation. Additional narrative : I'm writing to share my experience leaving Capital One as a longtime customer earlier this year. After investigating discrepancies in my expected vs. actual interest being paid into my 'high interest savings account ', I was informed by a customer service representative that I had in fact been 'grandfathered ' into a legacy rate ( unavailable to any consumer, and certainly not advertised on the Capital One website, which only advertised their High Interest Savings account ) of XXXX % vs. the stated 4.15 %. My account was listed as High Interest Savings, but I was clearly not being paid the market rate. When contacting Capital One, the customer service rep suggested opening a new account to access the expected market rate, but was unable to rectify the years of unpaid interest due to my incorrect account classification. Neither was the supervisor whom I escalated to as a next step, nor the Executive Escalations team after writing the CEO on XX/XX/XXXX. As such, I told them I had completely lost trust in Capital One and closed all accounts. I had been a legacy ING Direct customer since XXXX, and was happy to join the Capital One family. Not until years later did I realize Capital One was not paying what would have amounted to thousands of dollars in interest because of my legacy account status. Nor were they willing to make the account whole by correcting past interest. I have since shared my extremely negative impression of Capital One with family/friends since this discovery.
Company Response:
State: MA
Zip: 02139
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was asked to send a bunch of documents to Capital One for fraud protection. This went on for almost two months with them asking for more and more documents each time I sent some. I painstakingly sent all they asked and they closed my account without an explanation!
Company Response:
State: CA
Zip: 943XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had a Kohl 's Department store credit card for many years. My sister also has her own account, and we are authorized users on each other 's accounts. I called Kohl 's on XX/XX/2023 and spoke with a representative to further understand my minimum payment prices, because they appeared to be higher than normal. There was inconsistency regarding my expected payments ( sometimes {$29.00}, XXXX, XXXX, XXXX ). He insisted that I have my sister verbalize consent to access her account, but I was calling specifically about my own minimum payments. He became frustrated with verifying information and hung up on me without any resolve. I called on XX/XX/XXXX to make a payment for over {$100.00}. I was notified through email on XX/XX/XXXX that I was several payments behind. I had not previously been notified through phone, email, or text by Kohl 's that I was delinquent on payments. After speaking with a representative on XX/XX/XXXX, they have no record of payment since XXXX. Through the automated system, when I add my SSN, it provided sister 's account information ( which I'm not authorized to have without her consent ), my minimum payment, and presumably my banking information. These payments were never processed on either my account or my sister 's, and neither of us were billed. More confusingly, now on XX/XX/XXXX, it gives her account information, her minimum payment, and her banking information. After calling Kohl 's today, XX/XX/XXXX, they are saying my normal minimum payments are {$36.00}, but they charged me {$100.00} for the months of XXXX and XXXX and another {$79.00} will be billed for the month of XXXX, saying that I owe more because my payments were late. They refused to change this amount due, saying they're not authorized and there was no one else besides another supervisor I could speak to about my complaints. As of XX/XX/XXXX, when I call to the automated phone service and provide SSN, it still doesn't give any of my account information, and no representative has tried to fix this or give appropriate answers as to why this is still happening. My credit score has significantly dropped ( about XXXX points ) during this time. I have been charged higher payments, I have been billed higher interest rates for the late payments, and I still have no confidence in security for my account. I still don't understand how this happened, and have been given no plan of action to fix this by Kohl 's themselves. From my understanding, I was making payments and my accounts were current. During this time, one representative and one supervisor hung up the phone, and I still have more questions than answers.
Company Response:
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I had applied for a XXXX credit card with capital one in XXXX, and got approved. They said the card would be sent in around XXXX business days and it was never sent. Few weeks had passed after their promised date and I found time to contact them only around XX/XX/XXXX, since they never contacted me. They said I could try changing the address since the delivery failed and seeing if that would work. I did that and waited another XXXX business days and I contacted them multiple times when again I hadn't received it. And on XXXX XXXX, they tell me the package is lost and they will issue it again. They keep doing this and don't even reach out to check if any delivery has been made, and it's now been over XXXX months since I've ordered the card and not received anything. This affects how I can utlizie my credit and constitutes fraudulent incompetence from Capital One, by not sending the promised credit card.
Company Response:
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A