Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b s creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: NJ
Zip: 08105
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Credit card company Capital One is reporting accounts as 30 days late in XXXX and XX/XX/2020 during pandemic when current account was not supposed to be reported as late if current accounts made payment arrangements according to the Cares Act of 2020 Section 4201 I have been disputing this information with letters to Capital One and also the credit bureaus.
Company Response:
State: CA
Zip: 90280
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Upon checking my consumer report i noticed inaccurate accounts and information that does not belong to me, i didnt authorize to any of this information to be reported on my credit recorf, it's affecting my life!
Company Response:
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH THE FAIR REPORTING ACT CAPITAL ONE ACCOUNTS # XXXX AND # XXXX, HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A 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: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Credit Dispute-Failure to Honor Insurance Claim and Filing a bogus and unsubstantiated derogatory credit remark. XXXX XXXX XXXX Attachments XXXX ( XXXX minutes ago ) to fax Regarding the Item identified on the credit report as XXXX opened XX/XX/2020, date of last payment XXXX 2020, and as a charge-off for {$8400.00} with a past due amount of {$6300.00} reported by Capitol One Auto Finance XXXX I believe this is a false derogatory credit claim caused solely by the lender or creditor, identified as Capitol One Auto Finance ; and of no action, nor inaction of this lendee in total nor impart. Attached, I have supplied copies of communications supporting that the remaining, outstanding amounts or balance of said loan ought to have been satisfied by the Guaranteed Asset Protection Insurance Provider, in full effect at the time of the loss. The attached documentation will support that unknowingly to this borrower, and while I was XXXX, XXXX, and XXXX from the XXXX XXXX : Capitol One Auto Finance, after having received a total loss, pay-out from the insurer of the at-fault party and finding a remaining balance, did initiate a claim with the Gap insurance for the remainder of the balance owed. Capitol One Auto nor the GAP provider has contacted at any time this borrower, It is now alleged by the Guarantee Asset Provider that Capitol One never completed the submission of all necessary documentation to process the claim or to receive payment. Capitol One Auto Finance Alleged that documentation competed. To date, the amount remains on my credit report as a derogatory remark and failure to pay, this borrower did attempt on multi [ le occasions to communicate with the lender and the GAP insurance, only to be offered a settlement payment plan to satisfy the outstanding amount. Also, the GAP insurance provider alleges that although this borrower took the initiative to collect all possible supporting documents and forward copies to both parties, due to the amount of elapsed time since the initial filing that the claim would no longer be considered for payment. The premium paid for said GAP insurance at the time of purchasing this automobile has been and continues to be unreturned or reimbursed as requested. -- Sincerest Regards XXXX XXXX XXXX, XXXX, XXXX, XXXX
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Capital One Business Card {$2400.00} Opened XX/XX/XXXX Closed XX/XX/XXXX This is a business account belonging to a company, It should not be on my personal credit report.
Company Response:
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have two credit cards issued by Capital One Bank ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and Capital One Quicksilver Card XXXX. I've had the Capital One card for nearly 5 years, and the XXXX 's card for nearly 2 years. I have never missed a payment on either of these cards. In XXXX, 2023 I received letters that these accounts were now closed, with the only reasoning cited being " Capital One has discovered adverse past or present legal action involving an individua or entity associated with the account ''. I called Capital One Customer Service in an effort to get additional information and was told that they could or would not give any, and that I should check with my County Court to get further information. I did just that, and could find nothing that would prompt Capital One 's action. Moreover, I have other credit cards through XXXX, XXXX, XXXXXXXX XXXX, and others ; and none of them have taken this course of action. In Mid XXXX I received a Notice of Data Breach, from one of my creditors, indicating that in XX/XX/2023 suspicious activity was discovered in their systems and that information had been compromised. Law enforcement, including the FBI, was brought in and the investigation is still in progress. Because of this I was offered complimentary credit monitoring and identity protection services. I have little doubt that this issue is associated with Capital One 's actions. Unfortunately, they won't give me the information necessary for me to research the issue.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: XXXX customer services rep was unwilling to help me receive check for a credit balance in my account.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A