Date Received: 2023-06-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following creditors are falsely reporting information to my credit report. XXXX XXXX account opened on XX/XX/XXXX and was then passed to XXXX XXXX services. XXXX XXXX is falsely reporting an account that was also opened without my consent or permission. The account Is reporting that it was opened on XX/XX/XXXX. Capital One bank is reporting an account that as opened without my consent or permission and is a case of identity theft fraud. The account is reporting that it was opened on XX/XX/XXXX.
Company Response:
State: CA
Zip: 93704
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " CAPITAL ONE, XXXX XXXX CONSUMER DISPUTE CENTER, XXXX, XXXX ". This charge may lead to a lawsuit. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did use misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute multiple time on 4 inquiries with XXXX, XXXX and XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from the credit bureaus stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is upsetting and made me physically ill. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Contacted Capitol One credit card regrading card account. XX/XX/2023 spoke to account rep explaining that I am dealing with a hardship lose of employment. I stated that I am calling to find out what my options are so that I am able to keep account in good standing with Capitol One. The account rep told me that I would qualify for a three month program that I would not be charged late fees. But, Capitol One can place on credit bureau that I am late with my payment. I contacted them early on so that I will not have to be faced with this issue. Asked what I can afford to pay but my payments are the same. So I feel that this option was not a resolution to resolve what I am dealing with a loss of employment. I stated I can't afford the payment that I have to pay at this present time. I was mislead within how this program was explained to me. No assistance on being able to stay in good standing with Capitol One credit card.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed unauthorized inquiries on my credit report that would like removed. Here are the companies below, XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: XXXXXXXX XXXX XXXX XXXX, XXXX Purchased in XXXX, XXXX, XX/XX/2023 The item was XXXXXXXX XXXX and came through my credit card as US {$500.00} I called the credit card company almost daily, and Ive given them all the document and evidence and witness statement I have, and they are not reversing the charge?
Company Response:
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have had a Capital One Quicksilver card for several years. Before the pandemic I had no problems with the card and could easily check my statements on line. Sometime in XXXX, the website check in procedures changed and they demanded they send a text to a US phone number. I had one but XXXX XXXX XXXX canceled my number as that program was not available. I got another number from XXXX. When I called to change the number, they asked me to photograph and send my ID. I sent my passport and passport card. I followed up several times and resent it. No response. They said I must have a US driver 's licence as ID to change the phone number. Everyone in the US does not have or are able to get a US driver 's license. I experienced a similar problem with XXXX XXXX. After several complaints, XXXX suggested and sent a XXXX device that resolved the problem of a US phone. Capital One has yet to address the issue. I sent an email to an executive with Cap One credit cards. " Dear XXXX XXXX, I have been a Capital credit card customer since XXXX, card ending XXXX. I really enjoyed the service, and would like to avail of the offers I am getting for the 360 account, however, sometime during the pandemic the access to my account was changed that demanded a US number be available to check my account. I had an XXXX number, but they canceled it. When I got a new US number, I was told I could only change it by sending a photo of my US driver 's license. I spend most of my time overseas and don't have a US driver 's license. I am nearly a super senior and many of us develop XXXX as we age making getting a US driver 's license not possible. I have twice sent my US passport and passport card as directed, but no response. The other financial firms I use, allow a foreign phone number or give an option to confirm I am really me via email or 20 questions. XXXX XXXX gave me a XXXX. Some of my accounts are at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never had a problem accessing my accounts. Only Capital One has this requirement that I find most unfair and prejudiced against anyone with a XXXX. I have a new card but I have not activated it as I can not check if there are unauthorized charges, or as in the case of my honeymoon we canceled due to XXXX, I still don't know if my card was credited the hotel charges. I know you are a very busy man as President of Capital One credit cards, but can you forward this to someone that can help? Sincerely appreciate the Help, XXXX XXXX XXXX '' I received an email from Cap One, that I could open with the last four numbers of my Social security number. When I opened it, the email demanded I receive a call or text from the same canceled number. They did include for the first time, an email address. XXXX. I sent XXXX an email, and shortly received the same email requiring the last 4 of my Social security number and the same canceled phone number. I can not activate the new card if I have no way to verify all the charges are correct. I trust your agency can get their attention. Thank you for your efforts. Best Regards, XXXX XXXX
Company Response:
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This account should not be furnished on my consumer report nor through your internal system as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY. Credit Card : {$690.00} dollars Charge Off
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: On XX/XX/XXXX, I mistakenly transferred {$8000.00} from my XXXX credit card ( ending with XXXX ) to my Capital One credit card ( ending with XXXX ). On the same day, I called Capital One to cancel the transaction after which they stated that the cancellation was not possible and that I needed to approach XXXX. I called XXXX to cancel the transaction, and they stated that it would take about 15 days for them to cancel the transaction, which was not alright with me considering that I needed the money sooner. They suggested that I should take a refund from Capital One instead, so I called Capital One requesting a refund and they processed the refund on XX/XX/XXXX. On XX/XX/XXXX, XXXX canceled the transfer transaction and Capital One paid {$8000.00} back to them, without my knowledge. This payment adjustment was processed on XX/XX/XXXX and this change of {$8000.00} was reflected in my credit card balance. On XX/XX/XXXX, I did a balance transfer of {$9700.00} from Capital One to my XXXX XXXX XXXX account with 0 % interest and I was charged {$290.00} as a transfer fee. I noticed an abnormal change in the credit card balance of my Capital One credit card and saw that XXXX had processed a cancel transaction even though I had already sorted out the refund with Capital One. On XX/XX/XXXX, I transferred {$8000.00} from an XXXX account back to Capital One in order to settle the extra {$8000.00}. There were insufficient funds in my XXXX account, so I transferred {$8000.00} more from my XXXX XXXX XXXX account to Capital One on XX/XX/XXXX. The XXXX transaction was canceled on XX/XX/XXXX. Essentially, XXXX told me to contact Capital One to reverse a transaction, but then decided to reverse the transaction themselves by contacting Capital One themselves. This resulted in an extra {$8000.00} in my Capital One account. In order to settle this extra {$8000.00}, I had transferred {$8000.00} from an XXXX account which turned out to have insufficient funds, so I then transferred the {$8000.00} from my XXXX XXXX XXXX account. On a separate note, I had transferred {$9700.00} from the Capital One account to my XXXX XXXX XXXX account with no interest. Instead of adjusting the {$8000.00} from the payment I had made from my XXXX XXXX XXXX account, they adjusted the funds with the {$9700.00} balance transfer amount and started to charge me interest on the {$8000.00}. Furthermore, I had specifically done what XXXX told me and contacted Capital One with the refund, but XXXX proceeded with their transaction cancellation anyway without my knowledge. I also had told Capital One that I wanted this adjustment of funds to not come from the {$9700.00} balance transfer, but they did so anyway. Capital One charged me interest of {$150.00} on XX/XX/XXXX, {$150.00} on XX/XX/XXXX and {$160.00} on XX/XX/XXXX. On top of this, I had already paid {$290.00} as a balance transfer fee. Additionally, Capital One had even frozen my account on XX/XX/XXXX and wanted me to provide evidence that the XXXX XXXX XXXX and XXXX accounts belonged to me. They told me that they would remove the interest rate charge on my account when my account would be unfrozen. The process to unfreeze my account took several weeks and Capital One did not remove the interest rate charges on my account even after claiming that they would do so. I want to sue Capital One and XXXX for this grueling debacle that they have put me through and to get justice for others who may have suffered the same plight. I also file appeal to XXXX XXXX, how can they allow credit card companies to manipulate transactions and charged interest rates to consumers. These practice should be stopped immediately and enforce strict low immediately to stopped such practice. XXXX XXXX Posting Date Balance Amount Remark XX/XX/XXXX XX/XX/XXXX {$8000.00} Balance Transfer from XXXX XXXX XX/XX/XXXX XX/XX/XXXX - {$8000.00} Issued check XX/XX/XXXX XX/XX/XXXX - {$9700.00} Availed Balance Transfer Offer ( 0 % Interest ) XX/XX/XXXX XX/XX/XXXX - {$290.00} Service fee for 0 % interest Bal Tr. XX/XX/XXXX XX/XX/XXXX - {$8000.00} XXXX XXXX reverted Balance transfer XX/XX/XXXX XX/XX/XXXX {$8000.00} Mobile Payment from XXXX Account XX/XX/XXXX XX/XX/XXXX {$8000.00} Realized no fund in XXXX XX/XX/XXXX XX/XX/XXXX - {$8000.00} XXXX XXXX due to insufficient fund XX/XX/XXXX XX/XX/XXXX - {$150.00} Intrest Charged by Capital one Bank XX/XX/XXXX XX/XX/XXXX - {$150.00} Intrest Charged by Capital one Bank XX/XX/XXXX XX/XX/XXXX - {$160.00} Intrest Charged by Capital one Bank
Company Response:
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: They never told me that direct depositors will need to have new routing instructions. I, an XXXX man, had to spend 2 1/2 hours on the phone with Capital One, and now have to deal with government agencies to make sure that the pensions go into the right account. Another nightmare caused by their negligence. Also, they never addressed the fact that it took a week to notify me instead of calling me immediately. They also did not explain why the XXXX XXXX branch expected me to carry my passport. Also, they could not text me on the cellphone that they forced me to buy in order to verify my identity.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A