Date Received: 2023-06-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Multiple notices have been sent out to the lender they refuse to respond. They refuse to comply they are in default and at fault of this commercial lien and notice the contract was rescinded and full repayment of loan to the victim is necessary due to the damages. The vehicle shall be recovered and capital one shall also be responsible for charges and fees
Company Response:
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I'm I was getting charged for certain things that are not authorize without my knowledge. I'm getting charged for credit cards that are closed.
Company Response:
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: on XX/XX/2023 I MADE A PAYMENT TO CAPITOL ONE CREDIT CARD AS AGREED TO PAYMENT ARRANGEMENT, I PAID TWICE ONE FOR {$79.00} USD AND DAY AFTER $ XXXX, OVER PAID ON WHAT WAS AGREED OF $ XXXX TO GET MY BALANCE UP TO DATED,, I CALLED THE COMPANY TO FIND OUT WHY MY ACCOUNT IS RESTRICTED I WAS TOLD THAT MY ACCOUNT HAVE BEEN CLOSED EVEN AFTER THEY ( CAPITOL ONE ) RECEIVED FUNDS, MY BANK DO NOT HAVE A CHARGEBACK AND ALL FUND HAVE BEEN RECEIVED,
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
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 filled a dispute for Cap1/XXXX account XXXX 30 days late. Spoke with CAP1 and XXXX. XX/XX/XXXX dispute resolved and notified being fixed. Score goes back up XXXX or so points. XXXX score goes back down again and the late pops back up again on same account! Filed dispute and not corrected! If you look at my completed disputes you will see fixed in XXXX XX/XX/2023 and same dispute filled again in XXXX for same issue with results XX/XX/2023. Only this time they didnt correct! Why is this so difficult. I dont miss payments and I'm almost XXXX yrs old!
Company Response:
State: IN
Zip: 46074
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: While doing a credit report, I discovered I had a balance of XXXX dollars from a Capital One Walmart credit card. The account was reportedly opened on XX/XX/2022. I never applied for or received this card, therefore I never used it. I have started a fraud investigation with Capital One, and they recommended that I start a claim here as well. I have never received a phone call, an, email, or physical piece of mail from Capital One saying that I have an account with them or that I owed them money. It was only through running a credit report that I became aware of this.
Company Response:
State: NJ
Zip: 08757
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
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: In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX account number # 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 al open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 90201
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023, I went into XXXX XXXX of XXXX to see about the possibility of purchasing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also stating that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home, I seen that there are seven other banks on my XXXX account that says I applied for credit with them. So I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the mailing it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled C-2 Dealer Track it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX discloses to me. I was not told of any other bank my word of mouth nor by paperwork. I find that what XXXX XXXX did was deceitful into doing one thing, that is to demolish my credit report with numerous bank loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labeled attachment B it shows that that XXXX XXXX statements does not show he was checking another bank. Also when I went into the financial office XXXX XXXX had everything ready for me. Which means he made eight bank loan offers on his own without my permission while I was waiting in the lobby to call me in
Company Response:
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the fair credit reporting act, These Creditors : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX... VIOLATED my rights under 15 U.S.C 1681 Sections 602 States, I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, It also states a consumer reporting agency can not furnish an account without MY PERMISSION/Written Instructions. Under 15 U.S.C 1666B, A Creditor May NOT treat a payment on a credit card account under an open and consumer credit plan as late for ANY purpose!
Company Response:
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dispute incorrect report of late payment. Mailed off my payment to capitalone
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Accounts to be deleted : Capital One Inquiry Date : XX/XX/XXXXXXXX Capital One Auto Fin Inquiry Date : XX/XX/XXXXXXXX XXXX
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A