Date Received: 2023-06-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX and XXXX of XXXX were the worst months of my life. I lost my wallet while out shopping at a grocery store, XXXX XXXX located at XXXX XXXX XXXX XXXX ca XXXX. During my visit I somehow proceeded to leave my whole wallet. Inside the wallet included my physical California drivers license, my social security card, a copy of my birth certificate, my personal medical card, & XXXX XXXX XXXX XXXX I was not able to obtain back any of my personal information. Thus has caused me to be a victim of identity fraud, Ive had fraudsters try to open up more bank accounts in my name, unfortunately they were successful when opening a capitol one credit card account On the date XXXX XXXX for a limit of {$3000.00}. The reported balance now is a complete total of {$3600.00}. I have absolutely no knowledge of this account and I believe that they arent finished just yet. My whole identity was stolen, this has been a constant burden on myself and my family, not knowing when my name will be used without my knowledge or permission isnt a way to live. I have attached my police report and identity theft report to this matter
Company Response:
State: CA
Zip: 95826
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I am XXXX XXXX XXXX and living on a fixed income of my monthly social security benefits. My wife passed away last year and I contacted Kohls in XXXX of 2022 to ask to lower my interest rate on my outstanding Kohls card balance. They would not lower my interest rate and I've been making the minimum monthly payment of {$42.00} per month but with the 30.74 % interest rate the monthly interest charge is {$30.00}. At this rate I have been unable to lower my principal balance at all and I will never be able to pay off this balance.I have been paying this minimum monthly balance for many years so the company has made significant money from my interest payments. I called Kohls again on Saturday XX/XX/XXXX and asked to have my interest rate lowered so I could keep paying on this account. Now that my wife passed away and I don't not have her social security payments my only option is to defualt on this account if I can not get an interest free arrangement. I feel this is financial elder abuse and I have tried to resolve it myself and I need help!
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 I set up 4 auto payments for my Kohls card. I set up a auto payment on XX/XX/2023 to pay {$30.00}. XX/XX/2023 to pay {$200.00}, XX/XX/2023 to pay {$30.00}, and XX/XX/2023 to pay the remaining balance of {$230.00}. On XX/XX/2023 ; Kohls withdrew {$230.00} from my checking account which I never authorized that amount on that date, which caused my bank account to become overdrawn by {$23.00} and resulting in me not being able to pay my XXXX bill for {$75.00} or my XXXX bill for {$98.00} which is resulting in late payments for these bills. Kohls on their own decided to add my payments together each month to withdraw a bigger amount than I authorized. I get paid bi-weekly and was setting up my payments to correspond to my paychecks. I called Kohls on XXXX and they said I needed to call my bank. I asked Kohls to cancel my next autopayment since I did not authorize {$260.00} to be taken from my bank account I authorized a total of 4 payments not 2 payments.
Company Response:
State: NV
Zip: 89521
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/XXXX, I received an email from Capital one stating my profile phone number was updated. I do not have an account with them. Then, a week later, I get a letter stating my application for a checking account was declined. Recently, the IRS sent me a notice that I must verify my identity before they process my refund. I have not filed a 2022 return.
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: They are taking too long to record payments. Currently I sent a payment on XX/XX/17 to pay off the balance and its now XXXX and they have not recorded payment. Its making me late and incurring fees. It was late yesterday so you can see I paid it two weeks early to avoid problems. I am not giving them my bank information to pay thru them. Paying from my bank allows me to keep records in one place. This should not be happening. Its too easy to deposit checks. Photo 1 shows last check daye XX/XX/17. Photo 2 shows check still outstanding. Not cashed.
Company Response:
State: MO
Zip: 650XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Two credit cards have been ran in my name and it was not me. One is capital one and one is XXXX. I would like to report it and find out who is running my information.
Company Response:
State: KY
Zip: 412XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I opened a 0 % interest credit card with Capitol One Quicksilver beginning XXXX XXXX, XXXX. The 0 % interest promotion was for 15 months. The promotion, therefore, expired on XX/XX/XXXX. My due date for my statement billed on XX/XX/XXXX was XX/XX/XXXX. I paid off the entire credit card balance before XX/XX/XXXX. I made one payment on XX/XX/XXXX. I made a second payment, bringing my balance to {$0.00}, on XX/XX/XXXX. Therefore, I paid off my balance in full by the due date ( i.e. during the grace period ). On XX/XX/XXXX, I received a statement saying I owe {$140.00} in interest. Capitol One tells me that I did not have a grace period between XX/XX/XXXX and XX/XX/XXXX. When I opened the credit card, I read all the terms and conditions available to me on the offer on the website, and nowhere did it say I would not receive a grace period upon the end of the promotion. Additionally, my statement on XX/XX/XXXX did not state in plain terms that I had no grace period ( nor did it tell me the promotion ended ). Finally, per the representative on the phone, my XX/XX/XXXX statement charging me {$140.00} has a grace period until the due date on XX/XX/XXXX. So, Captiol One deceptively eliminated my grace period for one month just to " get '' me with an interest charge on a promotional credit card offer. This is not only fraud ( i.e. I would not have opened this credit card if I knew there was no grace period upon the expiration of the promotional offer ), but also unfair and deceptive business practices. I had no way of knowing by the plain meaning of written terms when I accepted Capitol One 's offer that there would be no grace period at the conclusion of the promotion period.
Company Response:
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My consumer credit card account with capital one has reported a late payment on. I have called Capital one to confirm that the payment was indeed not late and this information is reported inaccurately. Please remove the late payment from my account.
Company Response:
State: PA
Zip: 15212
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have contacted Capital One multiple times in regard to me opting out of having my non personal information shared with nonaffiliate third parties. Pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Under the Gramm Leach Bliley Act Capital One were to disclose to me, clearly and conspicuously in writing or by electronic form my rights Pursuant 15 U.S. Code 6802. Capital One did not disclose to me these rights, nor did Capital One provide me the forms or an explanation on how a consumer could exercise such rights. In correspondence to my first letter to Capital One attempted to stall by stating items in the correspondence letter that I did not request & attempted to mislead by providing a false statement stating that I needed to contact the credit reporting agencies directly regarding my dispute, when in fact Capital one is the person furnishing my non personal information. As a consumer, I have the right to privacy, Capital One has denied me my rights to privacy by not complying, Capital One has failed to provide the forms of my rights that are required by law, Capital One has withheld pertinent information from me. After being notified of these things Capital One has still failed to correct its actions & is willfully not complying with the law. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option
Company Response:
State: NC
Zip: 27527
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: I noticed a fund transfer from my XXXX XXXX account for {$7800.00} to Capital One bank. I did not initiate this transfer nor do I have a Captial One bank account. I contacted XXXX XXXX and they reversed the transaction and they locked the account so that no further transactions could be done in the account. While XXXX XXXX was looking at my activity they noticed another pending transaction for another {$1000.00} to the same Capital One Account. A few days later ( XX/XX/2023 ) I got a letter from Capital One saying the address on my account was changed from my home address in NY to an address in NJ. I therefore called Capital One to report this because I never opened an account at Capital One. I spoke with a supervisior in the fraud department at Capital One who took my XXXX and said that they froze all of the accounts. I asked how many accounts they froze as I only got one letter so assumed it was only one fraudulent account that was setup. They refused to give me any information about these fraudlent accounts. So now i am in a position where i have no idea how my XXXX was obtained or how many accounts may have been fraudulently opened in my name.
Company Response:
State: NY
Zip: 11530
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A