Date Received: 2023-06-22
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. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Company Response:
State: NC
Zip: 270XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
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 am writing to address a critical matter concerning incorrect information that is being reported on my consumer credit report by Capital One. It has come to my attention that the Date Opened is inaccurately reported as XX/XX/2017 for XXXX and XX/XX/2017 for XXXX and XXXX. This incorrect reporting has persisted for several years and is causing severe damage to my reputation. As per applicable laws, I demand the immediate removal of this incorrect information from my consumer report. The inaccurate reporting of the Date Opened on my consumer credit report reflects negatively on my creditworthiness and financial history. This misinformation has been reporting inaccurately for a significant duration, leading to potential denials on credit applications and other financial opportunities. The presence of this incorrect information on my consumer report is causing harm to my reputation and impeding my ability to secure credit on fair and accurate terms. In accordance with the Fair Credit Reporting Act ( FCRA ), it is my right to request the removal of inaccurate information from my consumer report. I kindly request that you promptly investigate this matter and take appropriate action to rectify the incorrect reporting of the Date Opened. I expect the immediate removal of this inaccurate information from my consumer report to prevent any further harm to my credit standing.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ok my name XXXX XXXX and due to pandemic I lost my job just like millions of so I filed for unemployment which they had approved me to receive it but I had to open a bank account and I did with capital one back which they where ok for alil bite after my card was stolen and I disputed the charges and couple day later the money was in my account but capital one bank frozen my account at $ $ $ {$900.00} and I believe that nobody should have token or frozen the money they made me wait 15 day which turn into 90 then 120 not there lost never got back to me Im disappointed dissatisfied with my account being garnished or frozen due to me not having all my documents due to being homeless and due to pendimic
Company Response:
State: NY
Zip: 10451
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello I recently got approved for an automobile via XXXX XXXX XXXX XXXX. There are other credit inquiries on my report and I do not approve of. To my understanding no company can report any thing to harm your credit and Ive been accepted for the loan which means it should not impact me in a negative way considering the fact I got approved. Also there are other times my credit was ran for a vehicle around the same time I need all inquiries to come off expeditiously, thank you.
Company Response:
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: i don't want to lose my car its all i have for my family ive been struggling with health issues i've had XXXX 3xs and it has really affected me in performing work duties ive had part time jobs and not making enough please help me keep my car so i can keep looking for work and keep on going and so i'm able to take my children to summer school and i'm able to maintain with my daily activities with my XXXX children im a XXXX XXXX whom has gave all my strength to maintain a living and no matter how i fill i still give it my best to wake up and live a better day and put a smile on my children faces i lost my job recently do to labor shut down and over stacked in employees. so they laid me off and im back to stage one my stress and XXXX and heath issues really bring my life down but like i said earlier i'm trying to keep my head up and going out there looking for work so i can maintain a living and a life im given please help me keep my car. i dont want to lose it thank you and XXXXXXXX XXXX you all XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OR
Zip: 979XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I sent a letter asking Capital One Auto Finance, Inc.to investigate my accounts. Here is my tracking number : Certified Mailing # XXXX XXXX XXXX XXXX XXXX. It has been over 30 days. These consumer reporting agencies are in violation. According to 15 USC 1681i - Capital One Auto Finance, Inc.investigate and Handling this contract has been dishonorable in results my vehicle be unlawfully redo .And They also didnt even record the current status of the money order I tender information which is another violation. I have other violations of all the evidence attached below. Mileage was incorrect My signatures is not on the receipt for deposit Vehicle service contract Purchase price incorrect Money order / Confirmation Cashed In good faith and honor I tendered a payment according to Handwriting on the front face of money order example below / Money Order serial /Certified Mailing Number below Certified Mailing # XXXX Money Order serial # XXXX In good faith and honor I tendered a payment according to I Accept your offer in the amount of {$25000.00} for valuable consideration and tender the payment complete amount in accordance and satisfaction upon rendering this instrument By with or without recourse XXXX XXXX Evidence Installment Sales Contract Car-fax Vehicle Report Vehicle Service Contract Application Letters Copy of Money Order Copy of Credit Report Invoices
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
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: 33610
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I did a balance transfer with XXXXcomenity bank for the amount of {$1300.00} they should have sent the money to XXXX XXXX and XXXX never received it and I never received the funds I have tried to get them to send me pictures front and back of the check but they keep giving me excuses I have been dealing with this for a hole year trying to get this resolved please help I have what ever more information you need ou need to get a hold of comenity bank NOT XXXX XXXXXXXX again the bank is comenity bank phone number is XXXX address is XXXX XXXX XXXX XXXX OH XXXX comenity bank has the account information XXXX XXXX does not comenity is the only bank that can help you they have the information you need it was b4 they switched over please help me
Company Response:
State: NY
Zip: 14612
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A