Date Received: 2023-05-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act CAPITAL ONE XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. Sincerely, XXXX XXXX XXXX # XXXX
Company Response:
State: MO
Zip: 654XX
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX act # 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card or loan under an open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act CAPITAL ONE XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. Sincerely, XXXX XXXX XXXX # XXXX
Company Response:
State: MO
Zip: 654XX
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I called my lender when I was 60 days behind earlier this month. cap one and I made a payment plan arrangement as I am a XXXX new mother and called to make a payment arrangement. They agreed to a 3 month agreement at XXXX a month by the XXXX of each month. They subsequently closed my card and said I violated the customer agreement by missing a payment, resulting in a hard inquiry and defaulted to payments I can not make. I discovered this when I opened a letter sent by them on the XXXX and received by me a day before my payment. My credit score has been compromised and my public assistance and doctor 's sign off that I'm permanently and totally XXXX were documents I offered and they said they didn't need them and they wouldn't help negotiate a better agreement. I told them I'd still work with them and they have seriously damaged my credit and didn't indicate what I supposedly did to violate the customer agreement resulting in damage to my credit score and a payment plan cancelation and I'm told I'm going to be taken to court now. Can you help?
Company Response:
State: WI
Zip: 537XX
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/ SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act KOHLS/CAPONE XXXX has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. Sincerely, XXXX XXXX XXXX # XXXX
Company Response:
State: MO
Zip: 654XX
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Capital One Auto Finance I test drove a vehicle XX/XX/2021. It was not the vehicle that I wanted so I decided against it. I purchased another vehicle from the same dealership but my bank financed it. The Capital One approval should have been reversed. Instead, they charged me {$790.00} for a $ XXXX vehicle and they have no explanation as to why. I never took ownership of the vehicle. The salesperson drove the vehicle back and forth to work for at least 3 weeks. I know this because when I picked up my new vehicle, he was still in it. Capital One sent my a loan contract with someone elses signature on it. I initiated a fraud report and I sent in all of the documents that they asked for. They still will not remove it because I wont send them a copy of my social security card. They dont have any proof of the validity of this debt. Ive been fighting with them for 60 days. I didnt know of the debt until recently when I was trying to purchase s home. Theyve reported it as a charge off monthly for the last 18 months.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I CALLED THE CREDIT REPORTING AGENCIES AND LET THEM KNOW THE INQUIRIES IN THE DOCUMENT INCLUDED BELOW ARE NOT SUPPOSED TO BE VISIBLE ON MY CONSUMER REPORT. I NEVER GAVE THEM WRITTEN CONSENT TO REPORT THEM. THESE INQUIRES WERE NOT AUTHORIZED BY ME AT ALL. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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, 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 1666BB : 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: PA
Zip: 181XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I had multiple fraudulent transactions on one of. my two Capital One accounts. I requested in XXXX that they close this account and to please send a debit card for my second account as I wished to start using that one more regularly. Five months later ( this week ) I finally received a debit card in the mail for the wrong account which they are refusing to close even though it has been compromised. They also restricted my account in good standing. Please help me
Company Response:
State: NY
Zip: 11779
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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, 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response:
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A