Date Received: 2023-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX I contacted XXXX XXXX XXXX in reference to a bunch of disputes that violates FCRA laws and my rights as a consumer to obtain a fair accurate and complete credit report my capital, one auto finance loan, which was open on XX/XX/XXXXXXXX reflects late payment history, which violates the following laws : In accordance with the fair credit Reporting act capital one auto financing 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. My capital one account opened XX/XX/XXXX and XX/XX/XXXX. Also violates the following laws XXXX XXXX XXXX has also violated 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. Please remove all late payments and update it to PAID NEVER LATE WITH ALL THREE CREDIT REPORTING AGENCIES In accordance with the fair credit Reporting act capital one accounts opened on XX/XX/XXXX and XX/XX/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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. I have spoken to multiple agents at XXXX. Those agents either hung up on me or they declined to dispute the inaccurate information on my credit report. I contacted CPFB on XXXX XXXX XXXX, and filed a complaint on how I was treated because I asked them to dispute in accurate and incomplete information on my credit report. There is also other complaints open with additional accounts that violates multiple FCRA laws when I informed XXXX and their representatives, I will be in contact with CPFB and file a complaint due to the violations they hung up on me. Most of those agents caught attitude was very rude and did not want to help me. Please look at all of the documents that were supplied to you guys for it shows information from Capital One themselves stating that they will remove the late payments and update it with the credit reporting agencies As the laws were violated, I am demanding that capital one auto finance open on XX/XX/XXXX remove all late payments and update the status to paid never late with all three credit reporting agencies, ( XXXX XXXX, XXXX, and XXXX are the three credit reporting agencies that this information should be removed and updated with as paid never late ). As the laws violated, I am demanding that capital one accounts opened on XX/XX/XXXX and XX/XX/XXXX. Remove all late payments and update the status as paid never late with all three credit reporting agencies ( XXXX XXXX XXXX XXXX are the credit reporting agencies that this information should be removed and updated with as paid never late ) I also feel that XXXX is reporting what they want to report to the credit bureau and this is wrong an unlawful and affects the rights of the consumers And violates the law 15 USC 16 ai they are obligated to report an accurate and complete credit report. In my case. They have reported nothing edit they are obligated to report an accurate and complete credit report. In my case. They have reported nothing but an accurate and incomplete. information on multiple counts on my credit report such as the XXXX account that reflects past due, but the account is charged off you can not report a charged off account and a pass-through balance. At the same time. They also are reporting inaccurate and inconsistent late payments with my XXXX XXXX credit card, they are also reporting two accounts for XXXX XXXX XXXX. Both accounts are charged off with a past due balance this violates 15 USC 1681 ai for not reporting complete and accurate information. they are also reporting is XXXX account as charged off that reflects a past due balance. This account also has three different balances this account violates 15 USC 1681 ai by not reporting accurate and complete information They are also reporting XXXX XXXX XXXX with a balance at {$4000.00} in which I have no knowledge nor have I signed a contract with this company. They are reporting an account for XXXX. I also have no knowledge nor have I signed a contract with that company. Both XXXX XXXX XXXX and XXXX is in violation of 15 USC 1681 ai for improper use of my credit report .They are reporting the XXXX XXXX XXXX with a XXXX balance as a charge off that all information is also in accurate and incomplete. You can not report a XXXX balance as a charged off balance. All of these accounts are in violation of 15 USC 1681 ai The XXXX account report it {$41.00} as a balance that violates 15, USC 1681ai for not reporting complete and accurate information each account that Ive listed above. I want delete it off of my report. The accounts Im referring to is XXXX XXXX XXXX XXXX XXXX XXXX and both XXXX XXXX XXXX accounts as they all violate it 15 USC 1681ai by either reporting inaccurate and incomplete information or in properly using my credit report I have filed disputes with both XXXX and XXXX. XXXX has been very good with updating and accurate information. Besides, the XXXX XXXX XXXX account was not removed yet XXXX I am not able to review my credit report. Ive contacted them several times I do see the dispute that theyve created, but I do not see the updated information yet XXXX has not complied nor completed and accurate dispute which is in violation of 15 USC 1681 ai by failing properly investigate all incomplete and inaccurate information and accounts on my credit report with XXXX they have financially affected me. They have mentally affected me
Company Response:
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a capitalone credit card. I have a XXXX to pay or receive money. Complaint : When I used XXXX where capitalone is the linked credit card, I noticed CAPITALONE charges {$10.00} for any transaction. If I send money say {$2.00} via XXXX, CAPITALONE charged a fee of {$10.00}. I suddenly don't have any money or credit left on my capitalone and upon checking, I was charged a fee totaling almost {$100.00} for small amounts made thru XXXX. I called CAPITALONE and they told me they've started charging fees. I asked if they had it on their agreement and if we were notified, they refused to answer and said {$10.00} or 3 % whichever is higher. I then googled, and found customers of CAPITALONE so mad they've been scammed as they say. Attached is the statement from CAPITALONE that I showed to them. Also, their advertisements says " no fees '' which I believe is false advertisement.
Company Response:
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
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: I have contacted capital one as well as XXXX and XXXX about the late payments on my credit report. XXXX has hung up in my face has declined assist me with a dispute over the phone told me that the dispute can only be mailed in and done online when it clearly states, it can be handled over the phone on their website when I informed them that I was going to file a complaint with the consumer protection federal Bureau, they stop assisting me and hung up multiple times. My report has been violated with the following laws. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. The capital one account that Im referring to is the account opened XX/XX/XXXX and XX/XX/XXXX. The only credit reporting agency that has updated my information properly as per request of capital one is XXXX. XXXX stated they submitted a case and ask XXXX has refused to assist me which is also in violation of 15 USC 1681 ai For not reporting accurate and complete information on my credit and improper use of my credit report
Company Response:
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I schedule a online banking payment with my bank Capital one. Payment due date was XX/XX/ for the amount of {$510.00}. I was contacted by the other financial institute XXXX XXXX about payment not being receive. I then contacted capital one which told me a check sent and it should be receive by Monday XX/XX/23. Not only was the payment late but the check still was not receive XXXX resulting in affecting my credit. I was ensured that the check could been canceled and I have access to the funds to pay the bill XXXX. Which was not so. Now here recently I received a different email from capital one stating the funds from a separate billings account was return into my checking account for {$78.00} on XX/XX/. The other institute said to call my back and Capital one said they dint see nothing.
Company Response:
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I had a capital one credit card opened up in my name over a year ago and there is an outstanding balance in my name that I had nothing to do with. Ive contacted everyone I can and the problem is still there because it comes back to me. Ive never owned a credit card in my life and was trying to get one, but my credit has tanked because of this fraudulent account.
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a hard inquiry on my report from Capital One where it looks like someone attempted to obtain a credit card in my name. This action dropped my credit score XXXX points, I did not authorize this inquiry because I do not wish to ever obtain a credit card.
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/23 I try to submit an application for the Capital One Business Spark card. Capital One will not let me submit my application because my EIN ends in XXXX. Their system says the number cant be correct although it is. They have told me there is nothing than can do both over the phone and at the branch in person. This is not allowed under equal credit opportunities act. They are denying my right to apply based on my EIN number having XXXX at the end.
Company Response:
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Equifax consumer report on 08/11/2022 without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with Capital One, Further, I do not have any alleged account type as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Company Response:
State: MO
Zip: 63119
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I filed CFPB complaint # XXXX, in which I alleged retaliation against me by Capital One for my raising concerns and allegations of unfair, deceptive and abusive practices related to graduating my secured Platinum to an unsecured credit card. I also filed this same complaint with the Office of the Comptroller of the Currency on XX/XX/XXXX. In this complaint, I also expressed concerns and made allegations of abuse and retaliation against me by their agents, XXXX ( Capital One employee ID # XXXX ) and XXXX. ( Capital One employee ID # XXXX ). On XX/XX/XXXX, I received a call from XXXX, Principal Complaints Coordinator at Capital One ( Capital One employee ID # XXXX ), who called me at XXXX XXXX. PST on a recorded line, when I was living in XXXX -- and also the address listed on my account -- and on Pacific Standard Time. I have attached the XXXX call logs from my phone number, showing that XXXX XXXX XXXX to me at XXXX XXXX was illegally made outside the hours at which a financial institution may not call me before XXXX XXXX. local time to the address on the account. As noted, and as was said on the recorded call, XXXX violated the law and called me at XXXX XXXX. local time from an XXXX area code. I informed XXXX of this violation on the call. On this call with XXXX, we discussed the behavior from agents XXXX ( Capital One employee ID # XXXX ) and XXXX. ( Capital One employee ID # XXXX ), and I alleged retaliation by Capital One for restricting my accounts on XX/XX/XXXX, after only a week prior to this, I had filed a complaints alleging unfair, deceptive, abusive and unlawful practices with my Capital One Platinum secured credit card. I also expressed concerns that XXXX had told lies on my call with her and she made a threat of retaliation to re-restrict my accounts after I became frustrated and dissatisfied with her behavior. XXXX then read to me the transcripts of the calls with XXXX and XXXX, and he agreed that the call from XXXX could have been handled better. Regarding the call with XXXX, he agreed that she did, in fact, lie on that call -- she said I called her XXXX XXXX ' but as XXXX read the call transcript to me, he said on multiple occasions that I did not say that at all. Instead, as XXXX read back to me, I asked of myself : " How XXXX do you think I am? '' XXXX agreed to forward both of these calls, along with his findings and the call transcripts, to the next level above him : Capital One 's XXXX XXXX XXXX. XXXX stated that he believed that particularly my call with XXXX warranted an internal review for the way I was treated. I asked XXXX, still on the recorded line, if I had done anything abusive or anything that warranted Capital One closing my accounts for my conduct, and he assured me -- on the recorded call -- that no, I was not abusive toward any of the agents. Also on this recorded call, XXXX told me that Capital One policy is that if a customer is abusive or uses foul language, company policy is to send a warning letter to the customer prior to any credit revocation or fore-closing of accounts. I have received no such thing. On the morning of XX/XX/XXXX, I learned, by way of looking at XXXX XXXX that my Capital One accounts had been closed. Capital One intentionally, knowingly and falsely reported that all three credit card accounts were closed on XX/XX/2023. This date of closure is knowingly, intentionally and deliberately false and inaccurate ; Capital One, again, reported this false data in retaliation for my continued, legitimate complaints against them, their business practices and their agents ' conduct. I have attached a screen shot of the information showing the accounts were falsely and inaccurately reported as closed on XX/XX/XXXX. I have also included the most recent credit card statement for my XXXX XXXX account ending in XXXX, which very clearly shows that charges were made on, and posted to, the account on and after XX/XX/XXXX, when Capital One alleges the accounts were closed. Also on XX/XX/XXXX, I spoke to a Capital One representative, a Fraud and Disputes Supervisor named XXXX ( Capital One employee ID # XXXX ), who refused to verbally tell me why my accounts were closed ; he told me it was against company policy to tell me that information and that I had to wait for a letter in the main. Again, I expressed to XXXX my assertion that Capital One was retaliating against me. XXXX never once acknowledged this or took action when he was told, many times on the call, that I believe Capital One is engaging in business practices that violate the law and my rights as a consumer. I then called back and spoke to XXXX ( Capital One employee ID # XXXX ) a supervisor in the Escalations Department. XXXX verbally shared with me that all my Capital One credit card accounts were closed due to my abusive behavior on a call that took place on XX/XX/XXXX. I advised XXXX that the only call I had to or from Capital One that day was from XXXX, the Principal Complaints Coordinator who is mentioned in this complaint. I asked XXXX if it was possible that there was a mix-up between XXXX filing a complaint on my behalf for the threatening and abusive call I had with XXXX on XX/XX/XXXX. XXXX agreed to look into it and placed me on hold. When she returned to the call, she was unable to tell me the exact details of the allegedly abusive call that Capital One claims occurred that triggered the force-closing of all my accounts When I pressed XXXX for more detail, again alleging that Capital One is engaging in illegal business practices and retaliation, she refused to answer any more of my questions and began threatening to disconnect the call. When I told XXXX I had more questions, she refused to address them and once again, on a recorded line, threatened to disconnect the call -- and she did for no valid reason. I have a mountain of evidence to substantiate my claims, concerns, assertions and allegations that Capital One has abused me, treated me unfairly, deliberately stated lies on recorded phone calls, broken their company policies -- particularly the policy that XXXX quoted to me on receiving warning letters prior to force-closing accounts if Capital One alleges abusive behavior by a customer, recorded threats of retaliation by XXXX, falsifying data that has already been reported to the credit bureaus, and retaliating against me by closing all my accounts because I blew the whistle and spoke up about the illegal, threatening, retaliatory actions and behavior exhibited by Capital One and its employees. I am fully prepared to take this case before a court of law if Capital One does not wish to resolve this amicably and with a mutually agreeable resolution -- and the evidence I have amassed more than substantiates my claims. Capital One has also caused harm to my credit score and credit file, and I have suffered credit and financial losses as a direct result of Capital One force-closing my accounts. I am also concerned and worried that Capital One has collected my sensitive, private and confidential information, including bank statements with full account numbers, when I was asked to provide them all this info and data on XX/XX/XXXX. It's worth noting that any time I file any type of complaint against Capital One -- whether internally or with regulatory bodies -- my accounts immediately and suspiciously become restricted and labeled as " fraud, '' yet Capital One never once substantiates their claims of fraud. I believe that Capital One is intentionally and knowingly attempting to intimidate and silence me -- and possibly other customers -- from coming forward with legitimate complaints and allegations, by making any rectifying difficult, cumbersome and impossible. Again, I am fully willing and prepared to bring suit against Capital One in a court of law if we can not reach a mutually agreeable solution to my issues. In summary, Capital One is brazenly attempting to steamroll and bulldoze customers who they believe won't fight back, and I am not the type of person ; I will pursue this to the fullest extent of the law and seek all civil, criminal and other penalties for the financial and emotional harm Capital One has inflicted upon me.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A