Date Received: 2023-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is not my debt court papers were attach at my daughter door address in XXXX showing the date from XX/XX/XXXX to XXXX XXXX witch caused them embarrasment witch was completely unnecessary this could fall as a violation of harrasment, my address in XXXX was a different witch was in the XXXX & I have not live in XXXX since XXXX due to health problems I am person with XXXX and this is causing stress witch is not good for me. this address I stop using for over 3 years caused mail theft it can easy be verify with the United States post office with my complaints.
Company Response:
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
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 an 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: WA
Zip: 98059
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I called caiptal one about my credit card asking them to postpone the due date to pay for the credit card by 3 days. the agent over the phone said yes we will postpone the due date by 3 days to give you time to pay for the balance that was due earlier than expected because credit cards can be due every 4 weeks instead of every 31 days. They closed my card right after that and did not delay payment by 2 days nor even by 1 day, immediately closed the account and sent it to my collections to damage my credit score. I contacted capital one and XXXX both to dispute the charge and they denied to resolve the issue
Company Response:
State: VA
Zip: 23220
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
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 an 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: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Dispute Department Case Number : XXXX On XXXX, I prepaid XXXX XXXX ( " XXXX '' ) for excess baggage fees for my flights from XXXX for XXXX. Arriving at XXXX, I was told by XXXX that my payment to XXXX was not on their system and I would have to double pay my baggage fees and ask XXXX for reimbursement since XXXX did not notify XXXX of the payment. After arriving in XXXX, I notified XXXX who never responded outside of acknowledging my message. I contacted my cc company, Capital One ( " C1 '' ) to file a dispute and gave them the related info to my complaint. C1 placed a temp hold on my account ( {$850.00} ) and communicated with XXXX. On XXXX, I received a letter from C1 reapplying the {$850.00} and sought more info regarding the dispute as they considered the case closed. I sent C1 more info but was perplexed as to why C1 was so dismissive and harsh with their latest reply. Being a good standing customer for a number of years, I never expected this unprofessional and callous response from C1. I considered C1 as the only leverage I had in getting XXXX to acknowledge the double payment. Now that that leverage has been erased, I have to pay the extra {$850.00} to XXXX although I believe C1 and XXXX did not due enough due diligence in what I would consider a smooth reconcilable case.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have a Capital One savings account. I sent 4 checks to Capital One from another bank so the money could be placed in my savings account. XXXX {$9500.00} ( Capital One cashed the check ) XXXX {$9500.00} ( I stopped payment on XX/XX/13 ) XXXX {$9500.00} ( Capital One cashed the check ) XXXX {$4700.00} ( Capital One cashed the check ) All of the checks had my account number on the check as well as my full name. Capital One cashed three of the checks and I have images of it. I called and spoke with XXXX people at Capital One and the response was we don't see the money, we don't make mistakes and you'll have to figure it out ( open an investigation ) with the bank who sent the money. Capital One has stolen my money and won't admit that they have it. I opened an investigation with the bank who sent the funds for me and I even had the originating bank call Capital One with me and Capital One said " we don't make mistakes, we didn't cash the checks ''. I am working with my other bank to try and get my money back, but Capital One is not helping and I have proof they have my money. Their business practices are dishonest and I will be closing my accounts as soon as this is all over.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXXXX/XX/XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is not a complaint. This is a claim concerning fraudulent claims made against me by Capital One. I have a capital one platinum secured credit card. The credit limit is {$500.00}. I put the {$500.00} on the card myself. They have purposely reported incorrect information that has caused my score to drop tremendously. I paid off the full balance on XX/XX/2023. The end of the billing cycle was XX/XX/XXXX. Capital one reported that I still owe a balance of {$460.00} after the end of their billing cycle and that caused my score to drop XXXX points. I don't understand how it could even drop that much, even if I had not paid the balance. However, I paid the full balance on XX/XX/XXXX and capital one did not report that pruposely I can only assume. I spoke to a representative on the phone on XX/XX/XXXX and the representative told my that XX/XX/XXXX is the end of the statement cycle and that I should soon see improvement on my score. The representative did nothing to fix it at that time. Then I notice today XX/XX/XXXX that my score has dropped XXXX points. I call Capital one today and ask to speak to a manager the manager lied and told me that today is the end of the statement cycle and still did nothing to fix the reporting issue. My score has done nothing but drop since I signed up for this card. XXXX points in total according to XXXX XXXX. All of this for a {$500.00} secured credit card, that I put own {$500.00} into funding. My score has never been this low and my goal is to build credit. Instead, I paid off the full balance and my score has dropped lower than ever because Capital one did not report that the account is paid in full.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute with 2 consumer reporting agencies on XXXX XXXX ( XXXX and XXXXThe consumer reporting agencies validated the debt I disagreed with the process.I filed a complaint with the CFPB after the initial complaint with the CFPB XXXX deleted the account.XXXX still continues to furnish the account.I also filed a dispute with the creditor the same time as I filed it with the consumer reporting agencies, I never received a response back from Capital One.I called the CFPB and asked how could this debt be validated after one ( XXXX ) consumer reporting agencie deleted the account.Then the representative told m that companies don't have to show any proof and just send it back validated with no proof of an investigation.Section ( 6 ) 611 ( a ) ( 1 ) ( a ) that says a companie must respond in 30 days of a challenge.It is well past the 30 day mark, and even though they don't have to respond to the consumer reporting agencies they must respond to me the consumer.I also read in section 6 611 ( a ) ( 5 ) ( A ) that if the company doesn't respond then the account must be deleted.Capital one acct # XXXX on XXXX consumer reporting agencie.I have copies of everything below
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a call from Capitol One Fraud department about an application that was opened under my name. I spoke with several representatives, none of which gave me any information on who opened the account. There was a savings account opened in my name. And a credit card application that was attempted.
Company Response:
State: CA
Zip: 91202
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A