Date Received: 2024-01-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I receive some funds directly on my name in my account and the bank should close my account
Company Response:
State: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I believed there to be a billing error on my capital one present meant that I had received. I had mailed a written letter to capital ones billing error, dispute department, requesting all documents, ledgers, and notes pertaining towards the account. They in return decided to take a form of adverse action against me and simply close the account without any explanation except for that I had violated their company guidelines. I know that as a consumer I have the right to bring in a question about my bill at any moment, and that my account can not be closed. Im not sure what action if any you guys may take but I just wanted to have a complaint on record!
Company Response:
State: CA
Zip: 91006
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was denied a credit card from Capital One on XX/XX/XXXX, approximately XXXXXXXX XXXX I was sent an Adverse Action Letter via Email
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: someone opened up a credit card through capital one in my name, i have never owned a capital one account. they changed the email and phone number on the account so i could not access the account, they maxed out the credit limit
Company Response:
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Regarding Capital One Card ending in XXXX : Since XX/XX/2023, I have been trying to make arrangements to pay my credit card with Capital One. However, this company has not attempted to assist me with a fair resolution. They continue to charge me extremely high interest rates and fees. I have been charged more interest and fees than principle. Their solution is unrealistic and impossible. They send numerous emails to threaten a charge off. I have spoke with many of their representatives and they continue to encourage me to call ; however, they read from scripts and do not offer any type of realistic plan to resolve this issue. They continue to threaten me with charge off and not provide resolutions our current problem.
Company Response:
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I PAID MY BILL IN FULL VIA XXXX ON BOTH MY CAPITAL ONE BANK CREDIT CARD AND I SEND SPECIFIC WRITTEN INSTRUCTION BOTH TO THE CFO XXXX XXXX XXXX AND XXXX XXXX XXXX BOTH OF THEM IGNORE MY REQUEST AND REFUSE TO RETURN MY SECURTIES, AND THEY CLOSED MY ACCOUNT WITHOUT PROVIDING A VALID EXPLAINTION, IF THE CFPB WON, T HELP I WILL HAVE TO GET THE securities and exchange commission INVOLVE OVER THE YEAR CAPITAL ONE BANK HAVE MULTIPLE SEC LAWSUIT WHICH IS A CLEAR SIGNED OF DISCEPTIVE BUSINESS PRACTICES
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I tried to have Capitol one deleted from all three credit bureaus in the past three months Capitol one always comes up with updates from a closed account ... ..I noticed what i think there is nothing on the trade line. except when it closed and credit limit... there was a lawsuite concerning XXXX and Capitol One. I think you might be aware of. this is the problem with Capitol One
Company Response:
State: CA
Zip: 95120
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to bring to your attention significant concerns and apparent violations of the Fair Credit Reporting Act ( FCRA ) by consumer reporting agencies, XXXX and XXXX, and the furnisher of information to credit agencies. My intention is to seek your assistance in addressing these issues and ensuring the proper enforcement of my rights under the FCRA. As mandated by 15 USC 1681 section 602 ( a ), the FCRA emphasizes the critical need for consumer reporting agencies to fulfill their duties with fairness, impartiality, and a profound respect for consumers ' right to privacy. XXXX and XXXX, as consumer reporting agencies, are subject to these obligations under the FCRA. Furthermore, my rights to privacy and protection of nonpublic personal information are reinforced by 15 USC 6801, which establishes the affirmative and continuing obligation of financial institutions to safeguard their customers ' privacy. The furnisher of information to credit agencies falls within the definition of a financial institution under this title. I would like to draw your attention to 15 USC 1681 section 604 ( a ) ( 2 ), which explicitly states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. Despite this, both the furnisher of information to credit agencies and the consumer reporting agencies, XXXX and XXXX, lack my explicit written consent to furnish my private information. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, or otherwise, granted to XXXX, XXXX, and the furnisher of information to credit agencies. Additionally, in accordance with 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided an explanation of how they can exercise their nondisclosure option. Regrettably, the furnisher of information to credit agencies failed to inform me of my right to exercise this option, a clear violation of the aforementioned statute. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse items of information in a consumer report without the consumer 's explicit authorization, except as authorized under subsection ( b ). The reporting of adverse information without my permission, as witnessed in the case of the mentioned account, constitutes a violation of the law. According to 15 U.S. Code 1681s2 ( a ) ( 1 ) A, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX and XXXX 's reporting practices may be in contravention of this provision. Moreover, 15 U.S. Code 1681e mandates that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed under section 1681b. It appears that XXXX and XXXX may not be adhering to these reasonable procedures. Finally, as outlined in 12 CFR 1016.7, I am formally exercising my right to opt out of the reporting services provided by XXXXXXXX and XXXX. In light of the aforementioned concerns and apparent violations of the FCRA, I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these matters. I seek your assistance in ensuring that XXXX, XXXX, and the furnisher of information to credit agencies adhere to the statutory requirements, rectify any non-compliance promptly, and provide written confirmation of the resolution. Thank you for your prompt attention to this matter. I trust that your intervention will lead to a fair and just resolution of these issues.
Company Response:
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have multiple hard inquires on my credit report, that I had no knowledge of up until my recent credit review. XX/XX/2024, and the inquires have been on my credit report for over 11 months. This has had a negative effect on my credit which has made it impossible for me to do anything for my family. I have faced many hardships within XXXX which have also had negative effects on my credit and i need it to be resolved.
Company Response:
State: CA
Zip: 95961
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: CapitalOne requested information from me ( letter attached ). I provided the information they requested ( 2 documents attached ). The information I provided exactly matches what they requested ( i.e. a bank statement and a government i.d . ). CapitalOne informed me they are closing my account because I did not supply the requested information. This assertion is incorrect. They are squeezing me out of the financial system and have not provided any reason for doing so and have not accepted the documents they requested and I sent them, to avoid closing my account.
Company Response:
State: MI
Zip: 491XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A