Date Received: 2023-05-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fait Credit Reporting Act ( Capitol One Account Number 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 reporting agency can not furnish an account without written instructions. 15 U.S.C 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. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One & XXXX XXXXXXXX ), 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 reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: IL
Zip: 604XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act 1 ), 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 reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Company Response:
State: GA
Zip: 31313
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I recieved a notice today that I owe Capital One Bank XXXX. The letter claims this debt is from XX/XX/XXXX. I was sent the notice by XXXX XXXX XXXX XXXX. This is alarming for numerous reasons... I dont remember this account or credit card and if it was in fact in year XXXX it would have been paid off. My ex husband paid off all my debts that year, or probably included in my bankruptcy filed back in XXXX. Regardless of the situation this is alarming in that this is an illegal debt collection because its from over 9 YEARS ago. I'm concered that this may be a scam of some sort and its very concerning. Im not sure what to do and I'm also concerned how they could have possibly got my information. My address is private and I'm in the address confidentility program.
Company Response:
State: WA
Zip: XXXXX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed some unauthorized hard inquiries on my credit report I'm not familiar with that I'll like to get removed.
Company Response:
State: GA
Zip: 30228
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: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Ive been trying to apply for apartments and XXXX constantly getting denied, got a copy of my credit report and noticed that there were multiple accounts open that I had no known knowledge of.
Company Response:
State: IL
Zip: 60804
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: XX/XX/2003, opened a capital one venture credit card in error based on erroneous information on the company website, On the capital one website, they list of XXXX mile bonus for their venture one card at the beginning of the website. Also, for the exact same credit card, on a different page of the same website, in small print, list a XXXX mile bonus for the exact card. I didnt think it mattered what page it was on as long as the same website and was stuck with a XXXX mile bonus. On XXXX and XXXX talked to numerous representatives at capital one who, after talking to all of them, they agreed with me that this was either an error or some new marketing approach, and they could see why I was confused. After talking to three or four people who agreed with me, they discussed with someone higher up but I was not given the chance to talk to him. Hours of time wasted. The next morning got another call from another representative who told me my request to get the higher bonus was denied. Closed my account at that time as did not to ever associate with such an unethical company. I was told that they had millions of customers, so it didnt really matter what I thought even though I was correct I dont think Capital One should be able to market their products in a way that confuses people.
Company Response:
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been complying with all of their Instructions and sent my Government Issued ID 4-5 times and they keep on saying they can't read it or it's blurry.I don't know what else to do.There are credits money being refunded to these cards and they are probably denying them as well.This Capital One XXXX XXXX XXXX has been in default for months and they keep denying my ID? So I can't use my cards and they are not doing nothing.How can a Government Issued ID be Blurry? I copy it on the printer and fold the paper not on the ID or the back of the ID but so it's not creased in any way and still they say they can't read it? I don't understand this .This has gone on way too long for a Dispute.Why are they not accepting my ID? This is very upsetting to me, everyone else in my household can read it, Why are they refusing it so many times? Please help me so I can pay these off and delete my accounts totally with Capital One Credit Cards.Thank You so much.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello, I tried to open a CD account with capital one bank. They have been holding my money since I made the deposit. I was told they needed to verify my information and I had all the information that they needed to verify that my money is legit I am guessing. Once the rep saw my i.d . and obviously didn't like what they saw, they decided to close down my account. Will not refund me my money and the last time I called they gave me a number to a voicemail that never returned my calls. I have yet to receive my funds and they are not giving me any information other than they don't know.
Company Response:
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A