Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my consumer reports and noticed that i had a late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2020 Please investigate and provide proof with statements showing that these payments were late. Also this was around XXXX XX/XX/2020 we according to capital one I got a pass because I wasnt fully working that month because of Covid If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Company Response:
State: CT
Zip: 06770
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I received a preapproved offer from capital one. When i applied i was declined due to recent or pending application yet they pulled my credit repirt. If i was denied for a pending or recent application there was no reason to ding my credit by pulling the credit report.
Company Response:
State: UT
Zip: 84107
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The first notification was through my bank alert and right after a XXXX XXXX alert on XX/XX/24. I contacted my bank and told them I was notified of XXXX hard inquiry pulls that I never authorized. Once, I spoke to my bank they told me to get in contact with the credit bureaus to notify them of the ongoing situation. I was the advised by all XXXX bureaus to take action.
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: They have reported inaccurate information to the three credit bureaus. One report states that the account was closed and the last payment was made on XX/XX/2023 and late payments are XXXX while reporting to another bureau that the last payment and account was closed XX/XX/2023 and late payments are XXXX
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Someone is using my information trying to get an auto loan in my name. At serveral different places.
Company Response:
State: GA
Zip: 30241
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. The late payments in question are associated with the following accounts : CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONE customer service representative. I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account shown in my report is not mine
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
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: On XX/XX/, a company called XXXX XXXX charged me an overage of {$1000.00}. I had subscribed to their service for XXXX XXXXXXXX a couple of months prior, on XXXX XXXX XXXX. I used my Mastercard with Capital One to make the initial purchase. I submitted a dispute with Capital One for the overage charge. Then, after Capital One reversed the charge dispute, they rebilled me on XXXX XXXX XXXX, and I called a representative. The representative changed the coding of the dispute to reissue the disagreement, which reflected that I didn't receive the merchandise as agreed. After doing so, I received another charge reversal on the XXXX XXXX XXXX I submitted documentation showing that the billing page clearly stated XXXX XXXXXXXX, and there were no other indications of other charges. They rebilled me on the XXXX of XXXX. I sent a letter to Capital One ( attached ) citing the Mastercard policies on receipt delivery for subscriptions, as the vendor does not conform to the Mastercard policy requiring receipt delivery by text or email. Also, they do not provide a form or direct phone number on their website to cancel the subscription, which is also against the Mastercard terms. Capital One wants me to provide documentation that I did not receive the services as agreed. I also explained that I did not receive the text/email receipts as I had explained in the letter, and the Capital One agent that I spoke with asked I provide documentation to show that I did not receive a text or email with a receipt if I didn't receive it how can I provide proof I didn't? The lack of evidence is the proof... Also, I explained the fact that hiding the overage disclosure behind the terms of service page on their website is a deceptive billing practice, which Mastercard has a policy against as well.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a substantial amount of points with CapitalOne in their rewards program ( over XXXX points currently ). I always pay on time. Their system has an IT issue that has been happening for months now XXXX XXXX XXXX XXXX ) that prevents access for myself and to other consumers to our points. The customer service team literally told me they didn't know when or if I'd be able to ever access my points again and that one day, maybe, my phone number would be allowed, or it might not, and they didn't know why or if or when it would ever work to allow me access to my points. It's unacceptable that CapitalOne act with such capriciousness with the rewards they marketed and promoted ; I would not have used their product if I knew that I would not have access to the points I've earned through their program. They are unjustly and unfairly withholding promised and financially meaningful services with XXXX regard for resolving in a timely manner my access to said points. I have credit cards with a few other providers and none have this issue. Especially given the time sensitive nature of booking travel with the points, this has caused not only wasted hours on the phone but missed opportunities to book travel that is no longer available.
Company Response:
State: TX
Zip: 767XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/XXXX XXXX I attempted to report fraud and a scam to Capitol One which they refused to acknowledge and investigate despite my offering to provide the fraudster 's SSN and passport information. The initial payment to my account by this unauthorized user on my account occurred on XX/XX/XXXX XXXX XXXX and was not identified by Capitol One as fraudulent and reversed until XX/XX/XXXX, which was 37 days later even though it was from a Capitol One, National Association Account ending in XXXX. During this period of 37 days, Capitol One provided XXXX indications that there was any problem with this payment. On XX/XX/XXXXXXXXXXXX XXXX Capitol One closed this account and two other accounts that I had with them that had been satisfactorily maintained since they were opened in XX/XX/XXXX and XX/XX/XXXXXXXX I paid off all of the personal charges on my account over the next several months and then they began reporting me as delinquent. Capitol One filed a suit for collection against me, XXXX XXXX XXXX Case Number XXXX, XXXX XX/XX/XXXX. I requested it be dismissed since Capitol One had aided and abetted in the fraud perpetrated on me and my mom provided additional information to the mediator since I am XXXX. Rather than respond Capitol One requested and was granted on XX/XX/XXXX, an order of dismissal without prejudice. The outstanding fraudulent balance which has increased to {$18000.00} and all of the months of late payments remain on my credit report even though Capitol One is no longer reporting any information to the three credit bureaus. I wish to have all negative information removed if Capitol One refuses to do a fraud investigation.
Company Response:
State: CO
Zip: 80031
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A