Date Received: 2023-04-25
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On sunday XX/XX/16 I ordered a list of items with XXXX but some of the items were not delivered, and right away it was confirmed with the restaurant that those items were not included in the delivery. The restaurant did not take the payment because it was through XXXX, but XXXX was unable to provide credit or partial refunds either. Then I disputed the charge for partial credit should be issued since the transaction did not happened as it should have been. The amount of the food proportionally would have been around XXXX dollars out of the XXXX dollar order, and capital one denied the request for refund claiming that I did not provide needed information, even though both receipt and signed letter/claim form were provided.
Company Response:
State: KY
Zip: 40511
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The car was repossessed and sold at auction. Therefore I no longer owe this debt. I also sent Capital one a validation of debt letter 30 days ago via certified Mail and they have yet to validate the debt
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Name is XXXX XXXX I Have an checking account at Captial One 360 account number is XXXX had been frozen due to a {$100.00} XXXX payment that XXXX XXXX send me there is currently {$750.00} which they won't give access to because he report the XXXX payments of which done on XXXX XXXX, {$10.00}, XX/XX/XXXX, {$30.00} and XX/XX/XXXX, {$60.00} as fraud this been going on for over XXXX months i would like to have my money back everytime i call the protection number at capital one they give the same excuse we can't give a time as to when will be settled which there Investigation will be done and my money released
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I would like to draw your attention to the fact that my privacy has been breached due to late payments on my accounts, and demand the immediate removal of all such information from your website and company records. As a consumer, I have the right to privacy under the Fair Debt Collection Practices Act. However, my right to privacy has been violated due to the late payment reports associated with my accounts. It is a fact that communication includes conveying information through any medium, which includes mail, email, publications, text, letters, phone calls, etcetera as it pertains. Location information includes my telephone number, place of abode, or place of employment. I was not given any notice of negative information from Capital One Auto, as required by law, and thus the company is in violation of the Fair Credit Reporting Act. I did not receive such notice and thus CAPITAL ONE AUTO is in violation of 1681s-2 ( 7 ) ( A ) ( i ) and the information associated with XXXX XXXX account . Furthermore, it is a fact that Capital One Auto violated 15 U.S. Code 1681s-2 ( 7 ) ( E ) by reporting my information without lawful authority. In accordance with regulations of the Bureau, 12 CFR 1026.13 ( d ) ( 3 ), until my request to resolve a billing error has been done by providing all documentary evidence for clarification of who funded the account, Capital One Auto can not report late payments. If Capital One Auto reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ), this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account. As a consumer, I have the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information, pursuant to 15 U.S. Code 6801 ( a ). Financial institutions must ensure the security and confidentiality of consumer records, as per 15 U.S. Code 6801 ( b ) ( 3 ), and must protect against threats and maintain the integrity of records. Lastly, financial institutions must prevent unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer such as I, the affiant, in fact. I am aware that Capital One Auto did not disclose to me my right to opt-out of the disclosure of my nonpublic information, in accordance with 15 U.S. Code 6802 ( b ) ( a ). I was not given the opportunity to opt-out of the disclosure of my nonpublic information, and I was not given any directions on how to exercise my right to opt-out. I would like to highlight that it is a fact that nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. However, what is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. It has come to my attention that the requirement of reporting accurate information has been misconstrued with the non- requirement to report negative information. This is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and has resulted in my information being reported without lawful authority. I urge you to take necessary action to rectify this issue and ensure that accurate information is being reported about me to the consumer reporting agency. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS COMPANY IS IN COMMITTING IDENTITY THEFT BY REPORTING INFORMATION OF MY CREDIT REPORT WITHOUT MY CONSENT AND ALSO VIOLATING 15 US CODE $ 1681c-2.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I would like to draw your attention to the fact that my privacy has been breached due to late payments on my accounts, and demand the immediate removal of all such information from your website and company records. As a consumer, I have the right to privacy under the Fair Debt Collection Practices Act. However, my right to privacy has been violated due to the late payment reports associated with my accounts. It is a fact that communication includes conveying information through any medium, which includes mail, email, publications, text, letters, phone calls, etcetera as it pertains. Location information includes my telephone number, place of abode, or place of employment. I was not given any notice of negative information from Capital One Auto, as required by law, and thus the company is in violation of the Fair Credit Reporting Act. I did not receive such notice and thus CAPITAL ONE AUTO is in violation of 1681s-2 ( 7 ) ( A ) ( i ) and the information associated with XXXX XXXX account . Furthermore, it is a fact that Capital One Auto violated 15 U.S. Code 1681s-2 ( 7 ) ( E ) by reporting my information without lawful authority. In accordance with regulations of the Bureau, 12 CFR 1026.13 ( d ) ( 3 ), until my request to resolve a billing error has been done by providing all documentary evidence for clarification of who funded the account, Capital One Auto can not report late payments. If Capital One Auto reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ), this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account. As a consumer, I have the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information, pursuant to 15 U.S. Code 6801 ( a ). Financial institutions must ensure the security and confidentiality of consumer records, as per 15 U.S. Code 6801 ( b ) ( 3 ), and must protect against threats and maintain the integrity of records. Lastly, financial institutions must prevent unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer such as I, the affiant, in fact. I am aware that Capital One Auto did not disclose to me my right to opt-out of the disclosure of my nonpublic information, in accordance with 15 U.S. Code 6802 ( b ) ( a ). I was not given the opportunity to opt-out of the disclosure of my nonpublic information, and I was not given any directions on how to exercise my right to opt-out. I would like to highlight that it is a fact that nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. However, what is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. It has come to my attention that the requirement of reporting accurate information has been misconstrued with the non- requirement to report negative information. This is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and has resulted in my information being reported without lawful authority. I urge you to take necessary action to rectify this issue and ensure that accurate information is being reported about me to the consumer reporting agency. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased concert tickets on XXXX from a ticket agency for XXXX XXXX called XXXXXXXX XXXX The concert was postponed due to COVID and I started to contact the XXXX XXXX which customer service said that the money was not refundable until the concert was cancelled when I finally found out almost 1 year later that the concert was finally cancelled and my Capitol One credit card was credited on XX/XX/2020 for the {$880.00}. I never received the money from them because I paid off my credit card account in full and closed the account in XXXX of XXXX. I have called them over 2 dozen times and have gotten nowhere and I need to help recovering the money.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Credit bureaus reporting as delinquent. My account is in forbearance and is up to date with payments
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.- -Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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.
Company Response:
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
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: 90043
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A