Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I hope this letter finds you well. I am writing to request your kind assistance regarding the late payments on my account ( Account # XXXX ) for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I kindly ask that you consider removing these late payments from my account and re-reporting them as current. I understand that late payments are serious matters, and I take full responsibility for the financial obligations associated with my account. However, I would like to provide some context and explain the circumstances that led to my inability to make timely payments during that period. In XXXX of XXXX, I experienced a heartbreaking event when my beloved cat was tragically hit by a car right in front of me. Witnessing that accident, combined with the loss of my husband earlier in the year, plunged me into a deep XXXX. My cat was more than just a pet ; she was my constant companion and a source of comfort during a challenging time in my life. Losing her further exacerbated my emotional distress. As a result of the immense grief and XXXX, I found it extremely difficult to cope with my day-to-day responsibilities, including managing my finances. I fell behind on my work obligations and subsequently struggled to make payments on all of my bills, including the outstanding balance on my Capital One account. However, I want to emphasize that I have made significant efforts to address and overcome these hardships. Through months of prayer, therapy, and personal determination, I have managed to overcome my XXXX and return to work. I am once again able to meet my financial obligations promptly and responsibly. Given my improved circumstances and the sincere commitment I have shown to regain stability in my life, I humbly request that Capital One considers removing the late payments from my account. By doing so, it would greatly assist me in my ongoing home buying journey and provide me with a fresh start towards financial stability. I understand that this request may not align with the standard procedures, but I sincerely hope that you will review my case with empathy and understanding. I believe that everyone deserves a second chance, and I kindly ask for your support in rectifying the negative impact of the late payments on my credit history. Thank you for taking the time to consider my request. I genuinely appreciate your attention to this matter. Please feel free to contact me at the phone number or email address associated with my account if any additional information is required. I look forward to a positive resolution and your favorable response. Yours sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a billing today from XXXX XXXX XXXX XXXX that indicates a bill for {$470.00} is past due. I have never applied for a credit card and the name that XXXX told me was XXXX XXXX that took out the card in my name and with my information. I do not owe this debt and I would also appreciate knowing how I can report credit card fraud on this individual.
Company Response:
State: OK
Zip: 73521
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' CAPITAL ONE Reported : XXXX. XXXX, XXXX - {$690.00} Closed Overview You're currently using 139 % of your account 's limit. Balance {$690.00} Credit limit $ 500 Monthly payment No Info Opened XXXX XXXX, XXXX ( 3 yrs, 6 mos ) Payment History Youve made 59 % of payments for this account on time. Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$690.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. Remarks Consumer disputes- reinvestigation in progress Times 30/60/90 days late 3/2/11 Closed No Info CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Company Response:
State: NY
Zip: 11779
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of identity theft. XXXX XXXX had reported an open account on XX/XX/2023 in the amount of {$850.00} and {$1000.00}. XXXX XXXX XXXX reported an unauthorized account on XX/XX/XXXX. 2023 in the amount of {$540.00}. XXXX XXXX XXXX reported an unauthorized account on XX/XX/2023, in the amount of {$880.00}. I have contacted the frauds customer service lines to these accounts, and nothing has been. I need these accounts removed from by report IMMEDIATELY.
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased an item from XXXX for {$52.00} on XX/XX/XXXX. The item did not come with all of the advertised accessories. XXXX found my claim valid and accepted a partial refund or full refund with return of the item. I chose the full refund option. I followed all protocols provided to me, including shipping it on my dime, after being reassured I would be reimbursed for the cost ( {$14.00} ). XXXX later denied my claim, offering me no refund. On XX/XX/XXXX, I filed a dispute with Capital One. They gave me a temporary credit for the amount. On XX/XX/XXXX, they denied my claim and reapplied the charge, asking for more information to continue the dispute. On XX/XX/XXXX, I faxed Capital One pictures of how the item was not as described, messages between the seller and me, as well as proof that I returned the item. XXXX locked all information regarding this purchase when I disputed the charge, making it difficult to obtain the information Capital One was asking for, but I provided everything that was possible for me to obtain. Later that day, I received a denial from Capital One saying that " it lacks all of the previously requested information needed to validate your dispute '' and my case was closed.
Company Response:
State: HI
Zip: 96782
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: All information is Incorrect information causing my score to be low. Also reporting old items repeatedly and credit and inquiries that I didn't consent too.
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Remove 9 Hard Inquiries, remove this is not my credit card CAPITAL ONE Reported on XX/XX/XXXX, remove all 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX CAPITAL ONE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thank you for all your time and your help on removing these items off my credit report.
Company Response:
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: 1. I am a totally XXXX person and I use a screen reader program installed on my computer, which allows me to interact with my computer. Screen reader programs are not only used by persons with visual impairments, but also Screen reader software is used by persons with reading XXXX, such as XXXX. Also, I am an XXXX XXXX, who specializes in assistive technologies for persons with visual impairments. I am intimately familiar with how various technologies interact, in order to ensure that persons with XXXX have equal access to information. 2. The monthly bank statements are available to download from the banks website. The statements are in PDF format and I have been able to read the statements using XXXX XXXX XXXX software, which works with my screen reader. I have been able to read these monthly statements since XXXX and I save all of the statements on my computer, for reference purposes. 3. As of the XX/XX/XXXX statement, I am no longer able to read the PDF statement using XXXX XXXX and my screen reader software. Something has changed with regard to the production of the monthly PDF statement, which has made it inaccessible to persons using screen reader software. 4. Prior to contacting customer service, I performed extensive testing using XXXX different screen readers ( XXXX and XXXX ), on XXXX different computers, using XXXX different versions of XXXX XXXX. I wanted to make sure that there was not a problem on my end that was causing the issue. All tests had the same outcomeI was not able to read the PDF statement. 5. I contacted the bank on XX/XX/XXXX and spoke with a customer service manager ( XXXXemployee # XXXX ). I described my issue to him. He was not even aware that some people must use a screen reader, due to XXXX. He was sympathetic to my problem and opened a ticket, which he sent to the XXXX department. 6. I received an email response from XXXX ( email attached ). He indicated that no changes had been made to the statements and that the problem was on my end. He stated that I should try using a screen reader, such as XXXX or XXXX or maybe a different browser. The browser that is used to download the PDF file makes no difference. 7. I responded to XXXX ( email attached ). As of XX/XX/XXXX, I have received no further response.
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Capital One took over all XXXX XXXX XXXX XXXX cards, due to postal issues ( which were communicated to me by XXXX at Capital One ) I was never informed of this change and never received a Statement nor change agreement. However, I received the new card in XXXX, which is how I knew of the change. In XXXX of XXXX, I used the card for XXXX. From that point, the same postal issue that Capital One already knows about and communicated to me prevented me from receiving any mailed statement. In conjunction with this Capital One sends an email communication to advise you that your payment is late. The problem here is if you already have a capital one profile they do not link the new XXXX Accounts, so when you use the link nothing shows up but your old Cards with Capital One, so it's essentially a dead link. When I tried to communicate this to first XXXX, then XXXX, and finally XXXX, all they could do was refund me the {$29.00} fee but not the {$40.00} fee. Informing me that that there is nothing they can do, XXXX even advised me that they were aware that there were postal issues preventing me from receiving statements but as she stated " It wasn't Capital One 's Problem '' This quite frankly is a deceptive and unfair practice and I just wanted to report it so others who may not know of any proper recourse don't experience this unfair practice by Capital One. Not to mention I'm sure I can use my {$40.00} far more than Capital One.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I went to XXXX XXXX XXXX for a used XXXX XXXX XXXX. While asking if my credit report would have been ran more than once, they told me that they could not assure me that it would be only one inquiry. My credit was ran with XXXX XXXX Capital One, and I was denied for both. I have called Capital One Auto Finance with no success in talking to anyone about denial ( s ). I am sending my Notice of Dispute to Capital One Auto Finance.
Company Response:
State: NC
Zip: 27104
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A