Date Received: 2023-06-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I filed a dispute back in XX/XX/2023 against a company in XXXX XXXX, after they sent me a defective dangerous poorly manufactured armchair and they refused to refund me. I did everything CO asked of me and that wasn't good enough. XXXX XXXX : XXXX Twice now I've received generic letters telling me that I didn't give them the information they asked for & that's not true. Last week on XX/XX/XXXX I called up the number in the letter XXXX & I was told that I didn't provide proof that I tried to get a refund. I went to XXXX & provided screenshots of the conversation with the sales rep at the store who clearly says in XXXX that they don't issue refunds. There is no way to provide PROOF of a verbal conversation OBVIOUSLY. I wasted more of my time creating a letter. I uploaded the documents and today I get another one of these generic letters saying I didn't provide any of the information they asked for & they closed my case and they won't help me. This all goes against XXXX 's rules that I should be protected against companies who refuse to issue me a refund and they sell garbage products & steal my money. I spoke to XXXX different people today trying to get someone to help me & except for one person who hung up the phone on me, no one knew anything & just robotically said that I didn't provide proof that the item I tried to return was refused for a refund. And that was a manager XXXX who wouldn't help me. WOW. She repeated what the fraud department lied about saying I didn't provide proof. I already told her I did & she just ignored what I said as if I was lying. XXXX XXXX XXXX services for ccs ( CS ) - She put me on hold, then came back said she's still looking, & then at 27 mins I got hung up on. She was at least trying to help, but WHY didn't she put any notes in my account & why did she hang up on me??? My entire day ( and days ) have been consumed with me wasting my time with CO who refuses to protect their customers from scam companies who refuse to issue a refund. I asked for the office of the president & I got a number, but it just went back to regular customer service. No one can help, the person handling this case in fraud is obviously not well trained or just a mean person who sends out generic letters that are full of lies. No one will even tell me what I need to do to get this resolved. I am NOT paying for a translator ( I'm sure you have tons of people who speak XXXX at CO ) & I'm not paying huge money hiring a mover to try & return this chair & then having to pay them again to return it to my house. I wanted XXXX 's guy who came here a month or more ago to take it, but he said he couldn't, he could only document the damages & speak to the company. Of course I never heard from XXXX because they have no intentions of refunding me my money. Also, CO put the charge back on my card and because of the exchange rate, I was now charged MORE MONEY than I was originally charged. I want that money refunded to me. This is NOT fair to me, I've done everything asked of me. I have wasted days & hours of my life. Today alone I cant even eat because of this. All I do is waste my time on the phone with terrible customer service reps in all different departments. XXXX
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would be making a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. CAPITAL ONE AUTO FINANCE Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was a charge made by XXXX XXXX XXXX XXXX XXXX out of XXXX, VA for {$4000.00} on my Capital One Venture card and when I attempted to dispute this as fraudulent Capital One is still refusing to return the funds. I contacted XXXX XXXX XXXX and Capital One and nobody can provide me with any of my signatures, any document with my name on it either. I've attempted multiple times to resolve this issue but I am not getting any luck. I hope Consumer Bureau will be able to resolve this huge amount made on my account.
Company Response:
State: VA
Zip: 20110
Submitted Via: Web
Date Sent: 2023-06-19
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: 1- Unauthorized Inquiry : XXXX XXXX XXXX XX/XX/2021 2- Unauthorized Inquiry : XXXX XXXXXX/XX/2021 3- Unauthorized Inquiry : XXXX XXXX XXXXXX/XX/2021
Company Response:
State: FL
Zip: 33025
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: It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. Kindly fix this accounts : CAPITAL ONE XXXX Balance : {$1000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Company Response:
State: CA
Zip: 93710
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: Capital one Balance : {$600.00} Date opened : XXXX I have called to have this removed as this is identity theft.
Company Response:
State: TX
Zip: 770XX
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: In accordance with the fair credit reporting act XXXX 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 an account without my written instruction. 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: NJ
Zip: 088XX
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: Application denied
Consumer Complaint: After having been approved for XXXX Capital One master cards, which I did not accept, this company is now having a tantrum & permanently denying any future credit applications by stating a perpetual recently processed application, which violates the fair credit reporting act.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 4 ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. TAKE THIS DISPUTE I am writing to request the removal of late payment information from my credit card accounts with your bank. My credit card account number ends in XXXX which is a platinum XXXX and XXXX XXXX ending in XXXX and the late payments in question occurred on XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Capital One has reported to XXXX with 3 different late payments and all of them are incorrect I've haven't made a late payment below I've attached the print out from Capital ones website of my payments and they are all on time and some months I paid 2x 's in one month.
Company Response:
State: NY
Zip: 11570
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A