Date Received: 2023-06-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Beyond van lines is really XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. They claimed to be a moving company. They said the total cost of the move is split in 3 payments. The initial {$1600.00}, one when they pick stuff up and one when they drop stuff off. We scheduled out move XX/XX/XXXX. Our move is for XX/XX/XXXX. Today is XX/XX/XXXX. They called us today demanding an additional {$3000.00} and if we dont pay, we cant keep our move date. That is to be paid today by close of business and still have to pay the other two payments. They only took payments by electronic check, cash and XXXX. My bank, capital one, isnt helping. They said its between this scam company and I because theyve already cashed they check.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After successfully paying off my vehicle loan, I received an email and all the necessary documents from the company confirming that the loan was paid in full. They even sent me a congratulatory letter and closed the account. Additionally, I obtained the ownership title from the DMV, officially recognizing me as the owner of the vehicle. However, unexpectedly, the account was reopened, even though my bank statement clearly shows that the loan has been paid. This situation is negatively impacting my credit score, so it is crucial to have this information removed from my credit report.
Company Response:
State: SC
Zip: 29461
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This complaint follows complaint # XXXX I made a complaint against Capital One, and they did answer. While reading Capital One answer, I realized many mistakes or incorrect information. I decided to prepare a response letter, but I was surprised that it was impossible to download an answer. I found that it is not fair that someone complains, the company answers, and that's the end. It is clear that companies know that they have the last word on all complaints. I called CFPB, and a rep told me to start another complaint and to join all past documents to have the entire file. That's what I am doing now.
Company Response:
State: FL
Zip: 33311
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 credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
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. Please fix this account : CAPITAL ONE XXXX Balance : {$670.00} 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: 93314
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello my name is XXXX XXXX my social # is XXXX I'd like to ask if you can delete any negative impacts on my credit file under law FCRA ... collections ... late payment or any derogatory items please.Thank you.
Company Response:
State: FL
Zip: 32958
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The accounts/inquiries and their respective agencies are : XXXX : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : credit card Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Number : XXXX Account Name : CAPITAL ONE Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX Number : XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX Account Number : # XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX Number : XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX Account Number : # XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX Account Name : CAPITAL ONE Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Number : XXXX Account Name : XXXX Account Number : # XXXX Date Filed : XX/XX/XXXX Type of Account : secured loan Address : XXXX XXXX XXXX XXXX XXXX MO. XXXX Number : XXXX XXXX INQUIRIES : Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX Address : Number : XXXX Account Name : CAPITAL ONE Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX Address : Number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX : Account Name : XXXX XXXX XXXX XXXX Credit Card Date Filed : XX/XX/XXXX Type of Account : credit card Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : XXXX Account Name : CAPITAL ONE Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX Number : XXXX Account Name : XXXX XXXX BA Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX Account Number : # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX Number : XXXX Account Name : XXXX Account Number : # XXXX Date Filed : XX/XX/XXXX Type of Account : secured loan Address : XXXXXXXX XXXX XXXX XXXX XXXX, MO. XXXX Number : XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX Account Number : # XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX : Account Name : CAP ONE NA Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account Name : XXXX XXXX XXXX NA Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : XXXX Account Name : XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX, SD XXXX Number : XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX, TX. XXXX Number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX : XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00} CAP ONE Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00} CAP ONE Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$920.00} XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$58.00} XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$680.00} XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: i had tried to re open an capital one 360 account online and was denied
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: So XXXX and XXXX and XXXX says I have 19 missed payments but it is incorrect on my credit file and is causing my score to be so low.
Company Response:
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
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. Please fix this account : XXXX 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 XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
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: I have disputed the same two companies twice and they keep saying that the findings are accurate and they are not. I have never used or owned a credit card. Yet they keep insisting that I have. I'm trying to start my own business and this is hindering me from doing so. It's not right for them to keep saying the information is accurate when it's not
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A