Date Received: 2023-07-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I transferred XXXX via Bill pay from my XXXX XXXXXXXX Bank checking account to my Capital One checking account in order to be able to pay my Capital One credit card. This check was deposited by Capital One on XX/XX/2023 and debited to my XXXX XXXX account ( first attachment page ). However, the money was not credited to either my Capital One checking or credit card accounts or returned to me. We unsuccessfully tried to resolve this dispute over the phone with Capital One and they told us the problem was with XXXX XXXX Bank. When we discussed what had happened with XXXX XXXX, they were very concerned about possible fraud within Capital One. We then went to a Capital One branch in XXXX on XX/XX/2023 and spoke with a XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX was able to pull the deposited check on her computer! ( second attachment page without right-handed stamp on the reverse ). XXXX XXXX stated they would investigate where the check was deposited and gave us a Claim Number XXXX. After numerous phone inquiries from that visit to the present, Capital One is unable to provide any new information and only states that they need more time to evaluate where the check was deposited. To date, there has been no additional deposit to our Capital One accounts.
Company Response:
State: CT
Zip: 060XX
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: In accordance with the Fair Credit Reporting Act Capital One has violated my rights! Under Act 15 U.S.C 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 77065
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: 15 USC 45 unfair and deceptive trade practices, On XX/XX/ a notice of payment error w/ instructions and remittance coupon was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX registered mail XXXX XXXX XXXX XXXX XXXX,. In response to my recent correspondence from XXXX XXXX he had my account closed, defamed, discriminated against me and violated my confidentiality and the nature of our interaction. the following codes were violated 18 USC 242- Deprivation of rights See Exhibit A notice of billing error for other violations Exhibit B Registered Mail for Security/Payment : Exhibit C replica of Security/Bill of Credit/Payment/Coupon/Remittance :
Company Response:
State: FL
Zip: 32608
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: in accordance with the fair credit reporting act XXXX Account XXXX has violated my rights. 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 a account without my written instructions. 15 usc 1666b : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: TN
Zip: 38401
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: They have a hard inquire on my credit report and I never applied for an account with their company
Company Response:
State: GA
Zip: 30341
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: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 I noticed two addresses on my credit report that were not mine. On XX/XX/2023 I noticed two credit card accounts on my credit report that were not mine. I do not have friends or family at either of these addresses, nor have I ever lived outside of Illinois. I have no idea who the companies are that own the credit lines, so I have not made an attempt to contact them. I did contact XXXX and filed a dispute with them for the addresses. I will contact XXXX on XX/XX/2023 to file a dispute with them for the credit card accounts.
Company Response:
State: IL
Zip: 610XX
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: 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: XX/XX/2023 {$340.00} XXXX Billed location I have tried calling to refund on a charge that was paid in CASH, plus the amount is over the price for 1 person in which I have witnesses that were present. I tried calling the company and hotel management. NO RESPONSE or RESOLVING issue. Capital One says I provided a lack of requested information and closed my case when I provided fully information and statements. No further assistance or follow up was requested. I have called numerous times
Company Response:
State: NV
Zip: 89074
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: Card opened as result of identity theft or fraud
Consumer Complaint: Back in XXXX I lived at an apartment complex moved out XXXX, end of XXXX lost my wallet, someone started opening cell phone accounts, credit card accounts, & more in my name. I contacted Capital one in XXXX or XX/XX/XXXX when I first found out about it they were suppose to close the card, they NEVER did. Had to get a police report, send in all kinds of forms, Identification & more. Now here it is XX/XX/XXXX and Capital One is reporting to the credit bureaus a fraudulent account that i AM NOT LIABLE for. When they was been suppose to closed it when I originally called around the first month it popped on my credit which is a month after the person received the card. Capital one fraudulently left the card account open & now are trying to make me responsible for something I didnt do, saying since there is no suspect listed on the police report then there is nothing they can do. XXXX, CA police department DO NOT go to people house and arrest them for identity theft. It could be anybody the wallet was lost in the club & the apartment was vacant. The amount is {$670.00} They affected my credit score and now I cant even find an apartment because my score is to low, now imma be homeless again!! I am not responsible for this account.
Company Response:
State: CA
Zip: 93702
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts, dates, and amounts that I do not recognize, nor am I responsible for, nor have I received any money or goods from the creation of these unknown accounts. I AM A VICTIM OF IDENTITY THEFT!!!
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-08-07
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: 3 parties reporting false information
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A