Date Received: 2023-05-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: An inquiry on my credit showed that I don't recall making. I contacted the company and they told me to file a dispute with XXXX. Upon disputing with XXXX just hours later they replied they weren't removing it. The date of the two inquires in question is XX/XX/XXXX and XX/XX/XXXX. I have two additional inquires with capital one on XX/XX/XXXX and XX/XX/XXXX however those two I made.
Company Response:
State: AZ
Zip: 85711
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of Identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! XXXX - XXXX XX/XX/2022 {$710.00} CAPITAL ONE XX/XX/2022 {$890.00}
Company Response:
State: CA
Zip: 92673
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have auto payment set up for Capital One. This payment was set up on XXXX. I was unaware, nor did I receive notification that it was short {$1.00}. I received a past due fee for {$45.00}. I tried to get a courtesy refund. It was denied. This is a violation of UDAAP act.
Company Response:
State: MS
Zip: 39211
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an alert from a credit report monitoring service. I contacted the company and they notified me that an inquiry had been made on my credit report. Further review determined that a business credit card was opened up with Capital One Bank for an address in Michigan. I did not open a business credit card account in Michigan. I contacted Capital One and had account closed due to fraud and they have submitted case to their fraud department. Making this report to complete process.
Company Response:
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX XXXX XXXX was hit by an XXXX insured driver. XXXX and XXXX XXXX owned the truck and was financed through Capital One Auto. XXXX took claim for the truck on XX/XX/XXXX. Capital One, needed a POA to process the title for XXXX. Capital One, was mailed a number of these from XXXX and XXXX XXXX. XXXX was unable to pay for the truck because Cap 1 kept losing documents. XXXX has phone records of the number of times they called Cap 1. Cap 1 keep reporting nonpayment of the truck on XXXX XXXX 's credit report. Showing 120 days nonpaid when it no longer belongs to XXXX and XXXX XXXX. Capital one should be held liable for the fraud of submitting nonpayment, when XXXX and XXXX no longer owned or had possession of the vehicle. XXXX and XXXX have tried a number of times to dispute this on their credit report with prof with no luck. Capital One even mailed XXXX a check stating " overpayment '' because it was taking so long.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My mother died intestate in XX/XX/XXXX, leaving several accounts with money balances in Capital One Bank. I became the administratrix of her account on behalf of my sister, brother and myself and filed ALL papers with a letter of instruction requested by Capital One bank on XX/XX/XXXX. I set up an Estate Fund with an EIN number and requested that Capital one write a check to The Estate of XXXX XXXX ( My Mother ) We received a case # from Capital One ( XXXX ) regarding the XXXX accounts # XXXX and # XXXX. For nearly XXXX months we have filed more than XXXX emails at the address included in this complaint ; we have more than XXXX hours of recorded phone call with representatives from Capital One telling us that we should have a resolution within XXXX days. We aren't contacted, we received no funds and we call again. This endless loop of empty promises from Capital One continues every other week. And not to confuse the issue, we earlier ( in XXXX ) filed the same papers and eventually after XXXX months were told that they Capital One have no record of that filing, leading us to file the above.
Company Response:
State: NY
Zip: 11356
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I reviewed my credit report and there are 3 agencies listed on my report for credit cards I have no responsibility to. I spoke to XXXX ( XXXX ) on 2 of those accounts that belonged to my deceased father in law ... and they agreed that they needed to remove it from my credit report and it was their error. I spoke to them today XX/XX/2023. However, the other item reported is by capital One Walmart account that is also my father in laws account. He was the responsible party on the account... he had a card issued to me under his account only for me to buy his items once he become immobile. I again was only an authorized user and not responsible party. I spoke to the capitol one credit department. They said they would work on the situation and send a letter to me with their decision. It is wrong in so many ways .... I am trying to rebuild my credit and this has hurt me severely. I want it removed immediately. They already have said I was not the responsible party so why do they get to leave it on my credit reports??? It is harmful to my livelihood and credit opportunities. My name is XXXX XXXX XXXX is my phone number. Please contact me on how to get these negative reports dealt with.
Company Response:
State: CO
Zip: 80631
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: capital one XXXX account XXXX is showing on my credit file i do not wish to be an authorize user on the account. delete account from my credit file
Company Response:
State: NJ
Zip: 07508
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: At approximately XXXX XXXX on XX/XX/22, CapitalOne sent me an advertisement for their Quicksilver card, with a {$300.00} bonus offer. I applied for it shortly afterwards and was denied, despite having excellent credit. As a result, my credit score has been temporarily damaged. I believe that by inducing me to apply for a credit card I would not have otherwise applied for with an offer CapitalOne had no intention of fulfilling, CapitalOne has engaged in an unfair, deceptive, and abusive business practice.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've recently checked my 3 credit reports and the negative information found is not accurate.I have disputed these items. But without accurate and fair resolution. The items on my report in question are from " Capitol One '' " XXXX XXXX XXXX '' " XXXX '' " XXXX XXXX XXXX '' 15 U.S.C 1681 section 602 A. Rights to Privacy 15 U.S.C 1681 section 604 A. Consumer Reporting Agency can not furnish reports without my consent. 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting and ( b ) Reasonable procedures
Company Response:
State: LA
Zip: 70815
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A