Date Received: 2023-06-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, CAPITAL ONE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. CAPITAL ONE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all XXXXXXXX XXXX INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: unauthorized hard inquiry by capital one bank on XX/XX/2022 XXXX
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX ID Restoration. Case # XXXX. This was due to a Data Breach by Correct Care Integrated Medical. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Sir/Madam, I am writing to report a case of identity theft and unauthorized activity on my accounts, which has resulted in the fraudulent obtainment of services and goods from various financial institutions. I kindly request your assistance in addressing this matter and providing guidance on the necessary steps to resolve it. I recently discovered that my identity has been stolen, and the following entities have been affected by this fraudulent activity : XXXX Unauthorized accounts have been opened, and services and goods have been obtained without my knowledge or consent. Capital OneXX/XX/XXXX My account has been compromised, and unauthorized transactions have occurred. XXXX XXXX XXXX There has been unauthorized activity involving my personal information. XXXX XXXX XXXX XXXX : XXXX access has been made to my accounts, resulting in fraudulent transactions. XXXX XXXX XXXX My personal information has been misused, leading to unauthorized actions. XXXX XXXX XXXX : XX/XX/XXXX Unauthorized accounts have been opened under my name, and fraudulent actions have taken place. XXXX XXXX XXXX Unauthorized activities have occurred, impacting my personal information and financial well-being. Additionally, I have noticed two hard inquiries on my credit report, conducted by Cap One NA and XXXX XXXX XXXX. These inquiries were made without my knowledge or authorization, further supporting the evidence of identity theft. I have taken immediate action to mitigate the impact of this identity theft. Firstly, I have contacted the respective financial institutions and reported the fraudulent activity. They have initiated their internal investigations, but I believe it is necessary to involve an external regulatory body, such as the Consumer Financial Protection Bureau, to ensure a thorough and comprehensive resolution.
Company Response:
State: NJ
Zip: 08879
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: inaccurate late payment is being reported
Company Response:
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Late payments being furnished on consumer reports are illegal according to 15 USC 1681a 2d ( a ) ( i )
Company Response:
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I keep getting hard inquires from capital one when I havent requested capital one y would I request credit thre days apart they are constantly putting a hard inquiry on my account when I am not applying
Company Response:
State: TX
Zip: 76548
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Credit Bureau Disputes Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Mobile : ( XXXX ) XXXX SS # : XXXX XXXX : XX/XX/XXXX Customer # : XXXX RE : REMOVE HARD INQUIRY FROM MY CREDIT REPORT ASAP To Whom It May Concern : I was never told nor made aware that Capital One would do a hard inquiry/pull on my credit. I was told that you would do a soft inquiry/pull so that it wouldnt adversely affect my credit. However, it shows on XXXX, XXXX and XXXX that you did a hard inquiry which has caused my FICO scores to lose between XXXX points. I need you guys to remove this inquiry ASAP. Concerned, XXXX XXXX XXXX *Enclosed : I have attached proof from your recent advertisement which states that you wouldnt do a hard pull/inquiry which is why I initially applied.
Company Response:
State: VA
Zip: 23434
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Capital One 360 Checking account allows unauthorized holds to place duplicate debits on my account. On XX/XX/23 XXXX transactions with XXXX now appear as duplicate pending authorization holds while transactions have posted and cleared already. There is no need to place a duplicate debit on the account on the following day and for several day after transactions have already completed.
Company Response:
State: NM
Zip: 87107
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A