Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Capital One sold a debt to XXXX XXXX that was not mine. This account was made fraudulently to my knowledge. I never opened an account with Capital One nor did I make any payments on any Capital One account with my bank account as they tried to claim. In XX/XX/2023 I requested statements to verify said account and I was informed by Capital One that they could no longer provide me with that information since the account was already sold to the debt collector. They began to garnish my checks at work in XX/XX/2023 regardless of my attempts to prove that the account was made through Identity Theft. It was a total of over XXXX that was ultimately collected by XXXX XXXX. The only information they gave me was that the address linked to the Capital One account was in XXXX, CA. I have never resided in XXXX, CA. I have resided and still reside in the same location for 23 years. I tried to explain that to them and let them know that I had been a victim of Identity Theft in the past. I am sending this complaint as a last resort to have this issue looked into as I am positive that I was not the Individual who opened an account with Capital One.
Company Response:
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello I have a inquiry dated XX/XX/2023 I have a freeze on all three of the companies so idek how it wasnt blocked but I did not authorize capital one NA to report anything to my account
Company Response:
State: IN
Zip: 46224
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I chose the Capital One Savor card to get 4 % back on tickets and food/dining as these are my main expenses. I have used the card for years to buy tickets and spend on restaurants as advertised. I received mail and email that said my account is closed because it is inconsistent with typical consumer usage. I tried to call and fight, and they said wait 10 days for the letter in the mail. The letter is non-descript and just says " inconsistent with typical usage ''.
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
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 602 states I have the right to privacy section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, under 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: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Getting a line of credit
Subissue:
Consumer Complaint: THIS COMPANY DONT HELP XXXX PEOPLE AND TRY TO HOLD THEM BACK BY LYING TO THEM ABOUT THE LINE OF CREDIT AS I KNOW THAT IM THE SERCURE CREDITOR AND THEY CANT DENIEL ME A EXTENTION OF MY OWN CREDIT THEN WHEN TOLD THAT THEY WAS VIOLATING 15 U.S.C. 1611 THEY STILL DID NOT CARE AND STILL STAY WITH THEIR LIE ... ... ..I WILL BE FILING A FEDERAL LAWSUIT BECAUSE IM BEEN TRYING FOR 13 YEARS AND BEEN TOLD THE SAME THING FOR 13 YEARS THIS GOT TA BE THE BIGGEST XXXX PROBLEM I BET IF I WAS XXXX IVE BEEN HAVE MY CREDIT THE RIGHT WAY WHEN I NEVER MISS A PAYMENT OR BEEN LATE THIS IS BECAUSE XXXX XXXX AND IN THE WRONG AREA FOR CAPITAL ONE SO THEY MAKE ME LIVE THE WAT THEY THINK
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a mobile deposit of a check issued by my employer on XX/XX/2023. The information on the app stated that deposits are generally made available the next business day. After submitting the deposit the app told me that the funds would not be available for 7 days. I immediately called Capital One to attempt to cancel the deposit because had I been aware that the funds would take a week to be released I would have deposited the check to my XXXX XXXX account where I typically can receive the funds immediately. Upon calling I was told that there was absolutely no way to cancel the deposit. They said that the best that I could do is call back after 24 " business hours '' and that they should be able to release the funds. I was specifically told that I had to wait until Monday because they weren't open on weekends. I received an email later that day saying that the deposit had been successful- which confused me because that led me to believe that there was a mechanism that could have made the deposit unsuccessful which would have allowed me to take the check to my other bank. When I called again I was told that there wasn't any way that they could have cancelled the check. They said that had I been in a branch the teller does have a way within 15 minutes of canceling but that's not a possibility with mobile deposits. I then waited until Monday, XX/XX/XXXX to call and ask for the funds to be released. They initially said that I met all of the criteria and then got a supervisor to complete the release. After a few minutes, they came back on the phone and said that they couldn't release the funds. I told them that I had checked with my employer and that their bank had posted the check to their account on Friday and that they could easily call the bank to verify that information. They said that the new reason for the hold was that my name on the account did not match the name on the account. I told them that I had never had any issues with having a check made out to that very common variation of my first name. They have also never rejected a direct deposit from either of my employers both have that name on the paystubs for those direct deposits. They said that there is no way to fix it and that the check will be released on XX/XX/XXXX once it has been verified. I asked them what would be different between XX/XX/XXXX and XX/XX/XXXX because I am that person now and will still be that person on XX/XX/XXXX and the bank has already posted the check to their account. I told them that I have w2 's from my employers that I can provide, and I have a notary commission with the state of Florida in that name. They said that they will not be verifying any additional information and that I just need to wait for the funds to be released. It appears that at this point there is no valid reason for the hold. They have not provided me with any additional steps that they are going to take to verify that the name of the person on the account is actually the account holder and they have already accepted the funds from the bank that the check is written from. They are unwilling to do any kind of verification with any 3rd party to confirm the validity of the check or to verify my identity. At this point, there is no reasonable explanation for a hold to be in place since they do not plan on doing any additional verifications. They should not have accepted the deposit if they felt the name did not match the name on the account so I could have taken the check to a different institution or asked my employer to write the check to match the name as it appears on my account. I have recordings of the first two phone calls that were made to Capital One.
Company Response:
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My information has to be being used witout my consent
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My payment is due today. So went online and made a payment but it would not let me select todays date ( XX/XX/XXXX ). Instead even though I am paying today and my due date is today the first date I could choose is tomorrow XX/XX/XXXX. I was charged as late fee even though I paid on the day it is due. When I called Capital One they told me I had to pay before XXXX. I asked them to waive the late fee because I paid on the due date but they would not. If my payment date is today and I will paid today I dont think I should be charged a late fee.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/XXXX I was notified via email that my new 360 checking account had been opened. On XX/XX/XXXX ( email wasnt reviewed until XX/XX/XXXX ) I reached out to Capital One concerned that said account was opened fraudulently and requested the account be closed. I asked a lot of questions pertaining to the initial start up of this account to no avail. The representative was very dismissive and instead was given the number for the credit bureaus. By XX/XX/XXXX a debit card for the fraudulent account arrives at my home address. I reached out again completely confused as most people committing fraud arent going to have the debit card and emails sent directly to the person whoms identity is being used. When I reached out wanting to be sure the account had in fact been closed and wanting additional clarity on if capital one had been the one that initiated the account I was told dont worry, the account will be closed and they will remove my email to insure I dont receive any more emails, as I have received numerous emails related to this account since my call on XX/XX/XXXX. Something is definitely not adding up and I feel as though Capital One opened this account. And without my authorization!
Company Response:
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A