Date Received: 2023-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 15 U.S. Code $ 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 resulted from an alleged identity theft, 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 identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer reports 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 report under 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 consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!.
Company Response:
State: CA
Zip: 95949
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have made all of my required payments it was a issue with my bank account where it would reflag or say it was insufficient funds I have screen shots if it saying it was a issue but capital one closed my account because of it I tried to show them or provide proof of what I was saying but they told me it was nothing they could do about my situation
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: tried to apply for a XXXX card via capital one and was denied, told i would receive a paper notice explaining why the application was denied. when the notice came, it did not list a reason, but instead simply said here are the reasons we couldnt match you with an offer : with a blank space after the colon.
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Capital One failed to comply with regulation E 1005.6 as well as regulation E 1005.11 ( b ) ( 1 ) and is now suing me... In XXXX I disputed a charge on my statement resulting in credit reimbursed to my account. Upon the next statement same transaction is listed again. I contact Capital One and inquire if I needed a new credit card or if they could just block the merchant from future charges to my account.. no problem they said we can block the merchant. I already had {$100.00} a month payment set up deducted from my checking to apply towards the credit card balance and since I wasn't using or had no intention of using the card in the near future as well as starting a new career I didn't pay attention to my statements after this service rep told me they could handle it.. the next time I did look at my statement there was a multitude of fraudulent charges on there including recurring charges from the merchant that Capital One told me they would block from making future charges to my account. I did not have paper statements and I did not have access to my digital statements but rather learned of these charges via a periodic account balance notification email that seemed to be rising rather than diminishing, so immediately contacted customer service Capital One and as the rep was going over my statement with me transaction by transaction informing me of all the account activity my statement was showing and thus me informing him of all the fraudulent activity he was telling me that my account had incurred.. at that time I demanded the account to be locked no more purchases to be processed whatsoever... I made payments on this account for what seems like 2 years never really understanding how the fraud took place my only interpretation was that it had to be someone from inside Capital One.. I don't have access to my account @ this time my account has been charged off I'm in default and facing a lawsuit I've already been served a subpoena and my answer is due in 4 days ... However I have undeniably proof for I have found a couple screenshots of my statement that verifies such fraud. One screenshot shows four different charges ( and I intend to include an attachment of this ) all of which any fifth grader could recognize as fictitious laugh in your face out loud merchant names all containing the same reference number.. how do four different retailers have the same phone number transaction reference number or whatever it may be referred to as I'm not sure.. it was not until emergency funding was needed and extensive effort was needed to unlock the account did I finally reached a manager who was sympathetic to the fact that I had been told over and over and over again that the account was unlocked and it was good to go when it wasn't until I went to make a transaction at a retailer that I learned the account was still locked multiple times, however she assured me if I would stay on the line it may take over an hour but she would get the account unlocked and eventually did at which time she asked if there's anything else she could do and I began discussing the activity listed above which she told me that Capital One was wrong by misinforming me and that they should have immediately issued me a new credit card number and she again assured me she would help resolve the situation when she called me the next day and I never heard from her again nor have I ever heard anything from Capital One about any type of investigation and I'm not certain but I'm pretty sure I never received even the recurring charges refunded from the merchant that they were supposed to have blocked.. but there were several other {$20.00} Petty charges as well.. not certain but I believe the total amount roughly {$500.00} and I paid interest on that for 6 years and now they're suing me for {$3600.00}
Company Response:
State: KY
Zip: 420XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Unable to add authorized user. Added an authorized user and accidentally mispelled the last name. So I went ahead and removed them, to add them with the correct spelling. Capital one is refusing to let me add them. They say once somehow has been removed, they can not be re-added. This seems like a completely arbitrary and illegal rule that no other bank that I've ever encountered in the United States has. Second of all, I am not re-adding the same person technically as the last names are clearly different.
Company Response:
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: After reviewing my credit report, I noticed an unauthorized inquiry from Capital One. I have attempted to correct this to no avail. I have 3 accounts with Capital One and have not applied for additional accounts.
Company Response:
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX I went to a concert, they scanned my ticket let us in. And as we got in they canceled the show. XXXX was not coming! I emailed them XX/XX/XXXX. No reply until XX/XX/XXXX. I was unable to attend the new date they set. Their refund policy states I am due a refund if the show is canceled. XXXX on behalf of XXXX XXXX. I've disputed this XXXX provides proof multiple times to capitol one. They refuse to give me my money back. Please help! Seetickets submitted files stating their refund policy, ( if a show is canceled or the date is changed a refund is permitted ). I also attached the email from XXXX XXXX stating the venue date was changed due to cancellation.
Company Response:
State: OK
Zip: 73115
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX Capital One did a HARD INQUIRY on all 3 Credit Reporting Services XXXX XXXX, XXXXXXXX XXXX XXXX XXXX I have NEVER had a Capital One credit card or loan. I have NEVER had any contact with Capital One before or on XX/XX/. I DO NOT WANT to do Business with Capital One EVER!!! I did call Capital One & they told me to do an investigation but also would not tell me how they got my SS # to pull my credit without my Concent. I want this REMOVED from my 3 Credit Reports & Capital One should be SUED for illegal practices.
Company Response:
State: GA
Zip: 30606
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Previously disputed this complaint with CFPB # XXXX asking to verify or delete account immediately as I do not recall having this debt. Results came back as verified stating that account had been opened online and that my personal information had been used and billing statements had been mailed to my address and were never sent back as returned. This is NOT verification at all. Credit report is still reporting inaccurate showing a higher balance than credit limit. There is no way that balance is higher than what credit limit is. Account is reporting as CLOSED with payment status of Collection/Chargeoff so their SHOULD NOT be a pass due nor should their be any payment reporting especially using consecutive charge off as a payment method on a dead account. Last payment is inaccurate. This is a total mistake.
Company Response:
State: IA
Zip: 502XX
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A