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: Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. Per the Privacy Act of 1974 I the consumer have the right to privacy of my nonpublic information. My financial history with Capital One is not public information and therefore should be restricted from being available to XXXX. Per the Securities Exchange Act of 1934 once the securities are deposited and the certificate of indebtedness is given, any balance of XXXX or more should be credited to I the consumer pursuant to the XXXX and XXXX form submitted on behalf of Capital One with the SEC they agreed the trustee would carry out this duty. I have not received my check and this account can not be charged off when the balance due is owed to I the consumer. Per Capital One terms and conditions they agreed to not share my information with non-affiliates of their business. XXXX is not a known affiliate of Capital One. Furthermore, reporting this account as such could be considered securities fraud since my social security number was used when using this credit line.
Company Response:
State: MI
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act, has violated my rights. 1 5 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 ma y not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2023-07-26
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: Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. Per the Privacy Act of 1974 as a federally protected consumer I have a right to privacy. My financial history with Capital One should be private. Per the terms and conditions of Capital One it is noted they agreed not to share my information with non-affiliates. XXXX is not an affiliate of Capital One. Per the SEC filing of Capital One it is agreed upon they would not commit securities fraud when handling transaction of consumers. Any certificate of indebtedness with a balance of {$1.00} o more the balance is credited to the consumer. Reporting this account as a charge is a violation of the oath Capital One agreed to under the Securities Exchage Act of 1934. I have not received my check for the credit amount of this account. Capital One and XXXX or both in violation of the Fair Credit Reporting by knowingly furnishing this information as negative and reporting my financial history. Capital One is in violation of the Fair Debt Collection Practice Act as they continue to collect an amount not owed and Under the International Bill of Exchange and Promissory Act my signature created the promissory note that Capital One transfer agent securitized. To gain and not give fair exchange is a violation of my federally protected rights.
Company Response:
State: MI
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: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Due to OR XXXX notice of statewide hack of personal information, first attempted credit freeze with XXXX, XXXX, XXXX on XX/XX/2023. All three reports showed an inquiry from Capital One on XX/XX/2023. After applying credit freeze, contacted XXXX which assured me it was " a 'soft inquiry ' that most likely, nothing would come of it ''. On Saturday XX/XX/2023 received a congratulatory letter from CapitalOne on a successful application, with a spending limit and ended with " Thanks for choosing Capital One ''. Upon opening that letter, called Capital One and explained I did NOT apply for the credit card ; the phone representative stated he could not help closing the account but that I would have to wait and call back on Monday, XX/XX/XXXX. Promptly called Monday morning and was met with two representatives, the second of whom was authorized to begin the fraud report. However, even though it was explained repeatedly that I DID NOT apply for the card nor did I want to keep the account open, XXXX began questioning, " oh, you didn't apply for this credit card? '' ( NO, I did NOT ) " Are you SURE you didn't apply for this card? '' ( YES I'm sure, I did NOT apply for this ) " Could anyone else you know (? ) have applied for this card FOR you? '' ( NO, there is not ) 'You don't want to keep this account? '' ( NO, I did NOT apply, nor do I WANT it ) Agent XXXX relented and initiated a fraud alert through CapitalOne Credit on account ending # XXXX on XX/XX/2023 at XXXX PT. According to XXXX, the fraud investigator might call with further questions and it would take 60-90 days to close the account. Later in the day, the card itself showed up in the mail; please see attached files. I have also followed up with the credit report companies.
Company Response:
State: OR
Zip: 97202
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: 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: Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. Per the Privacy Act of 1974 as a federally protected consumer I have a right to privacy. My financial history with Capital One should be private. Per the terms and conditions of Capital One it is noted they agreed not to share my information with non-affiliates. XXXX is not an affiliate of Capital One. Per the SEC filing of Capital One it is agreed upon they would not commit securities fraud when handling transaction of consumers. Any certificate of indebtedness with a balance of {$1.00} o more the balance is credited to the consumer. Reporting this account as a charge is a violation of the oath Capital One agreed to under the Securities Exchage Act of 1934. I have not received my check for the credit amount of this account. Capital One and XXXX or both in violation of the Fair Credit Reporting by knowingly furnishing this information as negative and reporting my financial history. Capital One is in violation of the Fair Debt Collection Practice Act as they continue to collect an amount not owed and Under the International Bill of Exchange and Promissory Act my signature created the promissory note that Capital One transfer agent securitized. To gain and not give fair exchange is a violation of my federally protected rights.
Company Response:
State: MI
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: 2023-06-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: A hard inquiry taken to my credit report off of XXXX XXXX that was attributed to Capital One Bank. Someone tried to open a credit with them when I do not bank with them. Resolved the situation by calling them and letting them know it was not me. They shut down the application. This all happened on the XXXX of XXXX.
Company Response:
State: AL
Zip: 35205
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
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/2023 I was charged two times by XXXX XXXX for the amount of XXXX each. I was travelling in California at the time of these fraudulent charges. I was then charged another XXXX each time on the following dates : XX/XX/XXXX, XXXX, XXXX, and XXXX of 2023. I noticed the charges and report the fraud on XX/XX/XXXX where I was temporarily credited the amounts back and I closed the card in question for safe measures. However the very next day of these fraud reports, CapitalOne banking still allowed another {$99.00} charge on XX/XX/XXXX, which was later temporarily refunded on XX/XX/XXXX. Then they reinstated XXXX of the XXXX XXXX} charges on XX/XX/XXXX, then XXXX last reinstatement of XXXX on XX/XX/XXXX. I have since attempted to work with the XXXX merchant instead and 1 piece of information they have requested is the 16-digit credit card number which neither I nor the bank can provide. After the huge upset of these fraud charges, I shredded and disposed of the card on XX/XX/XXXX. Now the bank states they can not further assist me with these fraudulent charges.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I submitted a complaint with CFPB regarding this issue and the response from the CapitalOne did not address the purpose of my complaint. I need the company to articulate the reason why the request for a credit increase was declined. It directed me to the same link in the initial letter. The letter to stated there was a further explanation for the decline supplied on a supplemental page however no further context for this specific reason was listed on the supplemental page. When I called CapitalOne to inquire for the reason of the decline the agent said they could not help me and directed to refer back to the letter for guidance. This has created a circle with no accountability or recourse for someone who has been a good customer for several years. I am making a simple request and I don't understand why there is no information or transparency. I feel the decision was determined using discriminatory criteria.
Company Response:
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
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: To whom this may concern, I want to express my disappointment with the handling of my recent dispute involving an amount of {$410.00} on XX/XX/XXXX. I provided an extensive and well-documented six-page rebuttal on XX/XX/XXXX, including evidence such as photographs, receipts, and text messages. However, I am concerned that my case may not have received the thorough review it deserved. On XX/XX/XXXX, I scheduled an appointment at the salon to receive a hair service for a full head highlights and a blunt cut without any layers. However, during the appointment, I immediately noticed that the stylist was cutting my hair shorter than the agreed-upon length. I voiced my concerns, but the stylist defensively claimed that it was the length we had discussed, She then said it could be because of face-framing layers she added. I did not request any face framing layers. At the end of the visit the stylist curled my hair.It was not until I followed the stylist 's advice to wait 48 hours and wash my hair that I fully I discovered the addition of black permanent dye, which was not part of the intended service and the choppiness of the haircut that was initially disguised by the styling. I immediately reached out to the salon manager to talk about my experience and seek a resolution. I wanted to go through him because I saw how defensive she got when I brought up the cut at the salon. Unfortunately, I found his response unhelpful, as he did not provide any satisfactory solutions or address my concerns. He let me know he did not specialize in color only haircut. Given the circumstances, I felt it was unfair to pay for a service that not only left my hair darker and choppier but also deviated from the agreed-upon plan. I decided to contact my bank to dispute the charge, seeking a just resolution for the disappointing outcome and unsatisfactory service. I received an email with the stylist response to the dispute. However, the response from the merchant to the dispute did not address any of the specific issues I raised, such as the bad haircut and the addition of XXXX permanent dye. Despite the merchant 's inadequate response, Capital One unjustly favored their stance, claiming that the issue stemmed from my failure to directly contact the merchant. Nevertheless, it is essential to emphasize that I made genuine efforts to resolve the matter by reaching out to the salon manager and expressing my dissatisfaction through a XXXX review. Despite my sincere attempts to engage with the merchant, Capital One deemed them insufficient and proposed a three-way call as a solution, placing me in an uncomfortable position where I would have to plead for my rightful refund. This proposed approach not only appears ineffective but also undermines fundamental principles of fairness and customer protection that should be upheld in such cases. I kindly request the Consumer Financial Protection Bureau to thoroughly reassess my dispute. Thank you for your assistance.
Company Response:
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
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 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: AZ
Zip: 85050
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A