Date Received: 2023-06-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX You are in direct Violation of the fair credit reporting act ( Captitol One XXXX ) has violated serval of my rights. 15. U.S.C1681 Section 602 : A Clearly states that I have the right to privacy. 15. U.S.C1681 Section 604 : 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 an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several law under the fair credit reporting act.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-06-04
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: Credit inquiries were made without my authorization. I would like to have them removed from my credit report as soon as possible. It is defamation of my character and livelihood to do this.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My XXXX XXXX has a due date of the XXXX of each month. I paid at XXXX on the XXXX of XXXX, only to find out that a late fee has already been applied to my account. I contacted Capital One about this and they Confirmed my due date is the XXXX, that today is in fact the XXXX, but stated the late fee would not be removed.
Company Response:
State: OR
Zip: 97005
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2023 I purchased a couch from XXXX XXXX in XXXX XXXX, CA. I was informed that if I applied and was approved for a Capitol One XXXX XXXX credit card, I could choose between either 10 % cash back or 0 % APR special financing on any purchases made within the first 30 ( this number I'm not certain on, it may be more ) days of opening the card. For this purchase, I opted for XXXX points. The couch was {$2800.00}. This should have earned me {$280.00} cash back. On XX/XX/2023, I decided I wanted to purchase an espresso machine and I opted to take advantage of the 0 % APR special financing. I purchased the espresso machine from XXXX XXXX in XXXX XXXX, CA. The sales rep there confirmed that I would receive the 0 % APR special financing on my {$910.00} purchase. On XX/XX/XXXX, I decided it was time to utilize my cash back. I logged in to my Capital One account to find I had not earned any cash back. I called Capital One customer support, and it was confirmed that I had in fact not received the cash back from the purchase of the couch on XX/XX/XXXX. Upon hearing this, I asked that the representative confirm whether or not the 0 % APR was activated on the XX/XX/XXXX purchase. They confirmed that the special financing promotion was not activated either. I was directed to the XXXX XXXX customer service phone line. The rep there told me that I had to go to the store that I made the purchases from because they only handle online purchases. On XX/XX/XXXX, I drove XXXX back to XXXX XXXX XXXX visit both stores. The employees at XXXX XXXX ( including the store XXXX ) informed me that they would be able to file a claim that would most likely result in me getting my cash back, but told me that I would still need to go to XXXX XXXX to fix the 0 % APR issue. They told me that they would call me that following Friday, XX/XX/XXXX. When I got to XXXX XXXX and explained my situation, they told me that any issues with 0 % APR would need to be handled with Capital One directly. Not wanting to waste another trip, I called Capital One while I was in the store. The customer service rep told me that my case that I opened with them had still not been completed. Since nothing more could be done, I went back home. As of today, XX/XX/XXXX, I had not received a call back from XXXX XXXX or a call back from Capital One. I decided to call XXXX XXXX first around XXXX, at which point I was informed neither employee who helped me was available, but one of them would be there at noon. I called Capital One in the meantime and was informed that my request to have the 0 % APR applied to my purchase was DENIED. At this point I asked to speak to a supervisor. When I asked why the purchase was ineligible, I was told by the supervisor that those details were proprietary information and that they wouldn't reveal anything further unless they received a court-ordered subpoena, and then blamed me for not noticing within 60 days of purchase. This was as far as I could go with Capital One. By the end of the call it was XXXX. I called XXXX XXXX back and was informed that the employee who was supposed to be helping me had now called off. The sales rep assured me that they would text the other rep to see if she had any information. She told me regardless of the outcome of those texts, she would call me back and give me an update. It is now XXXX and I have yet to receive a call back. As far as I am concerned, this is now a legal matter. I was lied to and tricked into opening a credit card that I would not have opened, had I known that I wouldn't be receiving the welcome offers. I also would not have purchased the espresso machine on XX/XX/XXXX without the 0 % APR offer. Stay away from XXXX XXXX ( and all associated brands ) and stay away from Capital One. They are dishonest actors.
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX You are in direct Violation of the fair credit reporting act ( XXXX XXXX XXXX ) has violated serval of my rights. 15. U.S.C1681 Section 602 : A Clearly states that I have the right to privacy. 15. U.S.C1681 Section 604 : 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 an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several law under the fair credit reporting act.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a notification for 2 Hard Inquiries that are dated to XX/XX/23. One is XXXX and the other is Capital One. Neither Hard Inquiry was authorized by me.
Company Response:
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX i traded my XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX paid Capitol One and received the title for the transaction. The check was short XXXX and no one was made aware of this. Capitol One put late fees and charge off on my credit report. I obtain a letter from XXXX XXXX explaining how this is their responsibility and that it should not be any late fees or charge offs on my account. I have talked to Capitol one about this 5-7 times now. Each time i was told my account will be fixed, so far no updates. Been trying since last year to fix this situation.
Company Response:
State: WI
Zip: 537XX
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have attempted to dispute this debt on multiple occasions, dating back to 2018. Each time XXXX refused to remove the information. I have since learned there has been a data breach of my information including my highly sensitive social security number which opens me up to a realm of identity theft.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Capital one XXXX and XXXX card numbers ending.I ask for confirmation of debt on these XXXX cards. I got XXXX statements. When I called I asked for confirmation of debt. The physical wet signatures. I called and was told these accounts were verified. I asked for the name of the person, address, phone number and title. They could not tell me. I confirmed this company has incompetent employees XXXX XXXX. The fines will be {>= $1,000,000} for closing XXXX accounts without my permission {$20000.00} for not accepting XXXX negotiable instruments, total {>= $1,000,000} paid to XXXX XXXX authorized agent. I am not a XXXXXXXX XXXX XXXX XXXXXXXX dictionary meaning incompetent XXXX. I am a XXXX XXXX XXXX I am willing to go for arbitration to see the book keeping entries entered in the book.
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CAPITAL ONE is not under any LAW required to report any of my private consumer transactional information. CAPITAL ONE HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed CAPITAL ONE on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that CAPITAL ONE CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given 30 days to comply and perform their fiduciary duties accordingly. As of today XX/XX/23 CAPITAL ONE has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA. CAPITAL ONE appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. CAPITAL ONE is in willful noncompliance!
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A