Date Received: 2023-06-23
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: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response:
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Request to Removal of Hard Inquiries from XXXX XXXX I am writing to seek assistance regarding the removal of XXXX hard inquiries from my credit profile. I recently reviewed my credit report and noticed these inquiries, which I believe are unjustified and potentially impacting my creditworthiness. First and foremost, I would like to express my appreciation for the valuable work that the Consumer Financial Protection Bureau ( CFPB ) does in safeguarding consumer rights and promoting fair practices within the financial industry. I am confident that with your guidance and expertise, we can address and resolve this matter efficiently. The hard inquiries in question are as follows : CAPITAL ONE ( Bank ) XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX I am requesting the removal of these inquiries from my credit profile due to the following reasons : Lack of Authorization : I have not provided authorization to these companies to access my credit information. Therefore, these inquiries were made without my consent, and their presence on my credit report is unwarranted. Inaccurate Reporting : Upon careful review, I have determined that some of these inquiries have been inaccurately reported. The information provided by the companies may not be reflective of my credit-seeking behavior, and therefore, these inquiries should not be considered legitimate. Potential Identity Theft : Considering that I have not initiated any credit applications with the mentioned companies, these inquiries may be indicative of fraudulent activity or potential identity theft. I urge the CFPB to investigate these inquiries further to ensure the security and integrity of my credit profile.
Company Response:
State: CA
Zip: 90712
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Spoke with rep they settled for amount.Paid in full directly to them Capital One. Also received letter saying debt paid in full will be reported as completed.Its been XXXX months still no update .Still saying owe {$540.00}!!!!!! Called them spoke with department XXXX times confirmed settle told me it wasn't going to report anymore still showing negative.
Company Response:
State: VA
Zip: 24502
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank investigating fraud that I reported. Holding my funds with no given time frame for returning them. Not responding to my requests for returning my money even though I supplied them with accurate information regarding my wire transfer which was legal and legitimate. They say they are investigating but I have no idea why as all the information re the wire transfer has been supplied to them. They stopped banking with me but will not return my funds.
Company Response:
State: MN
Zip: 559XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted all three credit bureaus about Capital One accounts showing on my credit report and I got verification that those two credit cards were to be removed because they were found to be fraudulent and I am not held responsible. I got documentation from Capital One in the mail XX/XX/XXXX and even though it says those accounts were removed from my credit history they still show up as hard inquiries in my credit report and I would like to have those hard inquiries removed and so far they have yet to do that. Also XXXX XXXX is on my credit report stating that I owe them more than {$2000.00} and I have already spoken with them and they are currently waiting on a police report which I will be picking up XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX I filed bankruptcy in XXXX and I should not have any credit cards or loans appearing in my credit history nor should I have hard inquiries for these. Also my name has not been XXXX for quite some time my last name is XXXX. As for XXXX XXXX they had my address age and income wrong. I have not worked for more than a year because I filed a XXXX claim.
Company Response:
State: IN
Zip: 476XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Company Response:
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On my XXXX credit report I have 14 hard inquiries that i didnt authorize nor give permission to pull my credit and I would like to have them deleted immediately as it is affecting my credit score to get credit cards and other loans!!!
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My informations shows with the company capital one legal action pending even though I have been set up and paying a payment plan for the past year now.
Company Response:
State: FL
Zip: 33782
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
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: I am contacting you regarding the removal of certain accounts and information from my consumer report. The specific accounts and information listed below should not be reported on my consumer report, as this action directly violates the FDCPA and FCRA. It is imperative that you promptly delete and remove these accounts and information from my consumer report, as their presence constitutes a violation of multiple laws. I urge you to take immediate action to remove these accounts and information without delay.
Company Response:
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: CapOne requires payments by XXXX XXXXXXXX XXXX on the due date of XX/XX/2023. I was experiencing internet issues ( nothing new ) and my payment was submitted between 4 to 8 minutes late on XX/XX/2023. Where I live, my internet and wireless service is EXTREMELY poor. I always pay my balances in full, on time and have excellent credit XXXX. I take exception to this usury and as a result, I was charged a {$29.00} late fee PLUS interest of {$12.00}. While the MAJORITY of card firms allow payments up till XXXX XXXX, an XXXX XXXX cutoff is ridiculous and a money grab not to mention such a high penalty. The CapOne scripted rep, XXXX who I spoke with, said this is there policy and that's it. When I said I would be filing complaints and positing on social media, she wanted my to waste more of my time with her supervisor because I had threatened CapOne. Card firms are out of control and this needs to be addressed and fixed. It is neither REASONABLE nor FAIR to the many consumers today who struggle and get burred with these fess and charges while these institutions get richer.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A