Date Received: 2023-06-02
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: I have a case. At any point in time, I can file a class action lawsuit against XXXX XXXX. The representative misled the consumer ( which is me ) into ordering XXXX phone thinking the XXXX affordable connectivity program would cover {$20.00} discount on the phone plan service for $ 30 monthly. I was repeatedly overcharged for a phone and service that did not work out. I paid {$1100.00} in overage charges. I would like that money credited back onto my credit cards. Amounts {$390.00} for billing cycle XXXX, XXXX, XXXX {$340.00} for device payment Of, which I already paid via XXXX XXXX {$370.00} for the device My XXXX XXXX credit card on XXXX and XXXX XXXX credit card to pay for the device in full expectedly monthly plan payment that did not happen. There is already case open with Consumer Protection Bureau. I have no escalated it to the Federal Trade Commission or the XXXX of XXXX mayors office. I want my money credit back on to my account now. Submitted Evidence : Proof of requested cancellation of service XX/XX/XXXX via email and response from XXXX XXXX you will hear from us soon. I have not heard back, but given their response to XXXX XXXX, I heard loudly.
Company Response:
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/ a new hard inquiry appeared on my credit report. I have not authorized or attempted to open a credit card with Capital One Bank XXXX. I attempted to call Capital One XXXX XXXX to inquire about the hard inquiry and they informed me that they were unable to give me any information as they did not have any records with my social security number. They then requested that I send a letter stating my concern to : CAPITAL ONE BANK USA XXXX CAPITAL ONE XXXX XXXX, VA XXXX Along with a report with CFPB I then got ahold of XXXX with my concern of an incorrect hard inquiry that was completed without my authorization. They informed me that any concerns would also have to be mailed out to : XXXX info services XXXX XXXX XXXX XXXX XXXX Georgia XXXX Along with a report with CFPB Therefore it appears that everyone is directing me to CFPB. I am unsure of how anyone would've had my information or how I can get it removed from my credit report.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
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: In accordance with the fair credit reporting Act XXXX Account # XXXX, XXXX XXXXXXXX, Capital One and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 states " I have a 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 instructions. 15 U.S. Code 1681a - Definition ; rules of construction - Exclusions. - Except as provided in paragraph the term " consumer report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report. 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 purpose.
Company Response:
State: VA
Zip: 23834
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: Capital One XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Convergent Account # 8983 has violated my rights. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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: LA
Zip: 70065
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft, these accounts was open fraudulently. I need them remove
Company Response:
State: RI
Zip: 029XX
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 with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2023 I filed a dispute against XXXX XXXX XXXX for not properly fixing breaks on my car with Capital One whom I have a checking account with. Capital one never responded to this dispute with a provisional credit or the outcome of the claim. On XXXX XXXX Capital One went inside of my account and debited XXXX. I called capital one on XX/XX/2023 at XXXX because I was confused as to why money was taken when a provisional credit was never given and they pretty much paid XXXX {$650.00} for messing up my brakes in which I had already paid them {$320.00} for the brakes in which I was already disputing. Capital one illegally took funds from my account and when speaking with a representative, they acknowledged that it was not a provisional credit given and they arent sure why the money was taking. The representative said that they would reach out to their back office as it was nothing more they could do. Capital one made an error and took money that I needed and are making me wait to receive it back. This is illegal and not a minor error and I need my money back asap because I have bills and its impossible for you take make an error this bad. Capital one needs to be help financially liable for this mistake
Company Response:
State: IL
Zip: 60409
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: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Request debt validation via letter and submitted affidavit and I have not received proper response to both letters.
Company Response:
State: MO
Zip: 63136
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 with fraud alerts or security freezes
Subissue:
Consumer Complaint: As disclosed herein XXXX XXXX XXXX XXXX & XXXX was subject to a cybersecurity attack culminating in ransomware from XX/XX/XXXX to XX/XX/2022 ( the Incident ). XXXX & XXXX endpoint security detected and terminated the ransomware shortly after it executed. With assistance from third-party experts, XXXX & XXXX XXXX XXXX steps to secure its systems and investigate the nature and scope of the Incident. On or about XX/XX/2022, XXXX & XXXX discovered that the Incident may have impacted protected health information ( PHI ) or personally identifiable information ( PII ). We have found no evidence that your information was misused. XXXX XXXX XXXX failed to prevent 2022 data breach. In response to the attached letter, I mailed it to each of the three major credit bureaus to request a fraud alert to be placed on my credit report. As an asinine response, as if these people working for XXXX, XXXX and XXXX don't understand basic English, or don't care to read it, I received a credit report from each, but neither made mentioned the need that creditors have purported for a phone number to be on file. In fact, when I called each entity every time a creditor, namely XXXX XXXX XXXX ( co-brands with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXXl XXXX ( XXXX ), XXXX ( XXXX XXXX ( who failed to communicate this, until I pressed the issue after waiting 48 days to receive business cards to reflect the approved $ XXXX and $ XXXX application letters, which I will address further on another report ) stated that they could not move forward with my credit card applications, notwithstanding a section of the Ohio Revised Code ( 4112.021 Unlawful discriminatory practice of creditor ) which in part, prohibits creditors from discriminating against any applicant for credit in the granting, withholding, extending, or renewing of credit, or in the fixing of the rates, terms, or conditions of any form of credit, on the basis of race, color, religion, age, sex, military status, marital status, national origin, disability, or ancestry, ( except that this division shall not apply with respect to age in any real estate transaction between a financial institution, a dealer in intangibles, or an insurance company as defined in section 5725.01 of the Revised Code and its customers ). They try to circumvent the discrimination claim by purporting that they can not verify us, namely people of color, or if we have a fraud alert on our credit report, which is not visible, they require us to endure a personally identifiable information ( PII ) exposing verification process via an interrogation- over the airwaves of VoIP - that they purport is only a verification process, but they refuse to provide their first and last name, representative identification and/or city in which they are working. I am sure there is a label on ANY account that I hold per my vehemently complaints about the lack of fairness in communication and privacy as we never know who is interested in collusive activity. In addition to that, the credit bureau representatives purport that none of the phone numbers that are on your credit report is the one on your account for the fraud alert. This is institutional discrimination which prevents us from accessing working capital and the like. Of the three credit bureaus, XXXX has NOT sent me a printed copy of my credit report, no matter how many times I have requested it annually or when I am denied credit for my businesses by asinine decisions of creditors.
Company Response:
State: OH
Zip: 434XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Company : Capital One Credit Card : XXXX XXXX On XX/XX/2023 - XXXX paid off the full card balance of - {$6900.00} before the due date of XX/XX/2023. On XX/XX/2023 - I called them and asked them to close the account as they had allowed an unauthorized charge of {$190.00} after I had reported my card lost. On XX/XX/2023 - They charged me a finance charge of {$100.00} I have tried every possible effort to pay off the account and do away with it, including asking them to close it, but they resist & refuse, instead they have the account in restricted mode. Currently, Capital One has posted that owe them a balance {$280.00} which I find untruthful and a unscrupulous.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX IS REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS AND CAN NOT VERIFY MY PERSONAL INFORMATION
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A