Date Received: 2023-06-26
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/XXXX I made two transactions with my Capital One credit card for two bookings of a tour in XXXX XXXX with a XXXX XXXX company called XXXX. I was going to go on a tour with my sister. Each of these transactions were for {$1600.00}. The trip was originally supposed to happen in XX/XX/XXXX. Unfortunately, due to the ongoing XXXX pandemic the tour continued to be delayed. The latest delay bumped the trip up to XX/XX/XXXX. However, on XX/XX/XXXX, I sent XXXX a cancellation request for both bookings because of family illnesses preventing us from going anymore. Of the {$1600.00} booking, part of that total was for travel insurance. I was seeking information on the travel insurance to make a claim. I have never received a response form XXXX. On XX/XX/XXXX I made an online search for additional contact information for XXXX. During that online search I discovered that the tour company is under liquidation as of XX/XX/XXXX. I made an immediate call to my credit card company to file a claim. I spent countless hours compiling emails and providing information about the situation. All of the information was sent to them as soon as I possibly was able and I received confirmation they received my information on XX/XX/XXXX. They reviewed my case and found they were not liable to provide back my money. I have sent two complaint letters to Capital One corporate regarding this issue. The initial complaint I made on XX/XX/XXXX they responded stating that I was too late to receive my money back. In my complaint I told them that government-imposed travel restrictions cause the trip to be delayed for so long. I also stated that I had every intention of going if I was able to go. When we knew were not able to go on the trip anymore due to family illness we attempted to contact XXXX as soon as possible. Again, the trip was supposed to be happening on XX/XX/XXXX. We were also seeking information about the travel insurance we had purchased with the booking because this was an unexpected cancellation. Capital One verbally stated to me that a letter sent out on XX/XX/XXXX was their official answer. Attached is the letter. The letter did not really acknowledge and specify anything about the situation. My second complaint to Capital One was sent on XX/XX/XXXX I have yet to receive a response. When I discovered that the company was in liquidation I made contact with the liquidator, XXXX, to be kept in the loop of the whole process. XXXX has stated in reports that there was little money to be distributed. Furthermore, in the current six-month liquidation update, XXXX executives had used customers money in cryptocurrency trades that all ended in losses. The XXXX XXXX XXXX is also following the liquidation and is pending an investigation with the XXXX XXXX XXXX once the liquidation is completed. Lastly, I am in a group of people who also have lost their money due to XXXX ceasing operations. It became knowledge that the travel insurance we thought we purchased with our booking does not exist per the travel insurance company. I thought I purchased travel insurance but this was apparently not the case per the insurance company, XXXX. We were falsely led into believing we had travel insurance by XXXX. I am also in contact with XXXX to receive official correspondence that no travel insurance plans were made for XXXX. Attached is all the reports, emails, and complaint letters I have compiled. Please contact me if you need any more information or clarity in this situation.
Company Response:
State: OH
Zip: 43206
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my formal complaint to XXXX XXXX for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this ( XXXX XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this This is causing me financial hardships Ive tried to get these removed from my report I dont know why I cant
Company Response:
State: MO
Zip: 63137
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my formal complaint to KOHLS/CAPONE for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I have used the CFPB to complain, dispute and ask Capital One NA to validate/Verify this debt. I accept and am willing to pay this debt if COAF can provide me the instrument, promissory note, Note, XXXX XXXX, the instrument that was securitize my signature and gave them the right to the security interest that I was not told I would be giving them. I sent XXXX XXXX ( indenture trustee ) my notarized affidavit of truth via certified mail I also sent Capital One the same affidavit and XXXX None has rebutted in fact Capital One stated they dont have to and the are correct but that means what I stated stands as Truth. Capital One has a fraudulent lien on my property the did not file a XXXX because they cant. Without a court order they can not repossess my property. I have ask the if they have a license to do business in DELAWARE the Sec of State say they do not. They are also reporting inaccurate information to the CRAs. I have sent in my Rescission and they have yet to send my money order XXXX hasnt either. Attached is the proof that the NOTE Im asking for has provided cash to different Banks that has not paid XXXX XXXX to IRS this NOTE provided Im not in a bonding contract because this Note only has my Signature and Capital one has Broken the law and is committing fraud Identity Theft and Tax evasion and fraud as well. I have contacted IRS. Im asking for what the required!!
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My Kohl 's charge card was blocked some time ago, but I made payments anyway even though I could not purchase anything. I have been harassed for quite sometime now, and reported to the Kohl 's company that my card and account charges were due to identify theft. They have not considered I was a customer for sometime and have been harassed only to make payment on a debt that is due to identity theft. During a time I was under contract with the U.S. Government for confidential assistance during the XXXX war, my card was hacked and any debts are the result of identity theft which I have repeatedly told the company. I continued in good faith to make payments waiting for Kohl 's to advise they would take care of resolving the matter. However, as a good customer and at a time of national urgency, Kohl 's has repeatedly ignored my statements regarding identity theft. In addition, Kohl 's has violated the no-call list of which I am listed on, with repeated harassing calls, and with robots calls everyday of the week including weekends and holidays ; I have tried to work with the company but am harassed for no good reason. I have been offered information that I can file suit based on violation of the no-call list and disregard for debt I alerted Kohl 's on which is result of major home invasion, property theft and identity theft. It is suggested I can sue for harassment and no-call violation which is now option for me.
Company Response:
State: MO
Zip: 63122
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
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 a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I emailed the ceo of Capital one XX/XX/XXXX regarding late payment removal of on my auto loan from XXXX XXXX also XXXX XX/XX/XXXX. I explained that I had reasonable cause which was the burden of financial hardship during XXXX pandemic and since XXXX I have remained consistent with on time payments on my loan. On XX/XX/XXXX. I received a letter in the mail from COAF credit bureau dispute, advising no changes will be made to my consumer credit file.
Company Response:
State: FL
Zip: 32809
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: hey, I'm complaining because sometime last year somebody has stole my information, my identity. They try opening credit cards under my name. I reported all my cards I closed on my cards and I paid off my credit card that I had that I had open. I'm getting hard inquiries on my credit report that and I want them removed. [ 15 U.S.C. 1681 et seq
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am fighting a fraudulent Capital One credit card account that was opened on XX/XX/XXXX following a home break in that occurred XX/XX/XXXX, grand larceny in the 2nd degree, and identity theft. I was unaware of the credit card account until XX/XX/XXXX when applying for a mortgage. The account is now in " charge back '' for appx {$300.00} and has resulted in a greater than XXXX point reduction in my credit score on XXXX and XXXX. Capital One 's investigation stated " Our research found no signs of fraud '' as of XX/XX/XXXX. I have disputed multiple times and asked for the case to be reopened. All of my personal identifying information was stolen from my home during the break in ( social security card, passport, lease, etc ). On XX/XX/XXXX the burglar took out an auto loan under my name with Capital One for {$50000.00} and purchased a XXXX XXXX XXXX from a car dealership in the XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This fraudulent loan has since been dismissed. Despite an open investigation for the auto loan fraud, Capital one still allowed a second fraudulent credit card account to be opened in my name. I froze 2 out of 3 credit reporting bureaus around this time but was unable to freeze XXXX as the information asked to identify myself was incorrect ( likely due to identity fraud ). I recently found out this is because the XXXX account listed fraudulent personal information including an incorrect address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) and phone number ( XXXX ). No one has been charged for the breaking and entering/burglary/identity theft but based on reports from construction workers on our block, door cam footage, and location of car purchase - we believe the culprit to be a construction worked named XXXX XXXX who was XXXXired from a site at a neighboring building in XXXX of XXXX for theft. My partner and I are now in jeopardy of losing our dream home and have spent countless hours on the line with the Capital One fraud department with no resolution : 1. The investigation has twice shown there is " no indication of fraud because the documents used to verify the account match my information. We were told those documents are my address and phone number. We now believe Capital One was verifying my address and phone number against the fraudulent personal information on XXXX and XXXX and have again asked them to reopen the case. 2. The phone number on the account is not my phone number. When confirming with Capital One the last 4 digits do not match my number. I have never been formally asked to verify my number with an investigator. 3. The burglar has my address, amongst all other PII and has already taken out an auto loan in my name with the same company. 4. The surname used for the account is not correct nor used on my other accounts- " XXXX '' 5. We submitted a police report for the break in and Identity Theft to Capital One, both of which occurred during the same time period this account was opened ( XX/XX/XXXX ). 6. We have requested to be sent documents pertaining to the account such as the credit card statements and the account application, nothing has been sent by mail nor fax. The team has stated they will not send this information because " my address/phone number does not match the account. '' 7. We were told we can not file a police report in NY without the credit card statements and this is contradictory to the reason my fraudulent claim was denied. 8. When on the phone with a Capital One account manager on XX/XX/XXXX she listed multiple transactions- all of which took place at businesses in the XXXX, I live in XXXX and have never visited those locations. They do not match my spending habits. An additional charge mentioned was for an uber I can prove was not taken on my XXXX account. On XX/XX/XXXX, I was able to gain access to my XXXX report and dispute the fraudulent PII on this bureau as well as on XXXX. I also placed a dispute on the credit card account. No grounds have been made with Capital one.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A