Date Received: 2023-04-13
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 been trying to get this derogatory off my credit report for months. I have sent in 4 disputes and nothing has been done. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL BEING REPORTED TO MY CREDIT REPORT WITHOUT WRITTEN CONSENT, SPOKE with XXXX from XXXX, was unable to help stop these reports. According to 15 USC 16816 this is considered identity theft, and Id like for them all to be removed immediately..
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Numerous relatives received voicemail messages from XXXX asking for a XXXX XXXX ( my maiden name is XXXX ). On the voicemail message the person indicated a lawsuit was filed against me for a Capital One account and that they were taking government action. I called the # and let the man know that I have an attorney representing me for bankruptcy. He told me that it didn't matter and that I was going to have to pay. He then cursed at me when I repeated that I have an attorney and offered the information. The man put me on hold for almost 10 minutes. I hung up the phone and he called me back. He identified himself only as being with XXXX XXXX XXXX and gave a file number of XXXX. He proceeded to curse at me some more and told me good luck in court. He then hung up.
Company Response:
State: PA
Zip: 17015
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft back in XXXX. In the process of becoming a victim of XXXX XXXX I had to get a protection order and move within XXXX hrs to a private XXXX XXXX shelter for abused women with my children out of state in XXXX Georgia. In that process my identity was stolen with a lot of my belongings. I did not realize this until later. I believe I had a police report from one state when I reach out for it that police station was not able to pull everything but they were able to help me with record numbers, I then needed a detective to get those records. XXXX XX/XX/XXXX I was served Court documents to show up at court. I called to confirm that I would be there with my attorney and my documents and the date was for XX/XX/XXXX Once I was here in Georgia my identity was stolen as well & I have police records for that. I went to court on XX/XX/XXXX for my Civil Case with XXXX XXXX XXXX, XXXX with the Magistrate Court of XXXX XXXX State of Georgia to plea my case and it was dismissed. Now on XX/XX/XXXX they have again re-opened this case under XXXX XXXX XXXX XXXX on my credit report in that same amount of : {$1600.00} which is the judgement amount I was dismissed for without prejudice and I have a copy of this judgment from the court.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with Fair Credit Reporting Act, Capital One has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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: TX
Zip: 78108
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023, I paid using Capital One 's mobile app from my checking account on app, my Capital One credit card ending in # XXXX. On XX/XX/2023, Capital One lost my payment. On XX/XX/2023, Capital One posted my {$100.00} payment as " '' OTHERS ''. This is consumer fraud, XXXX. XXXX business practices. I faxed XX/XX/2023 Capital One PaymenXXXX Investigations and they continue to lie, steal and cheat consumer.
Company Response:
State: AZ
Zip: 85258
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Capital one have not fully credit back unauthorized charges putting late fees interest on account that has fraud closed my account and messed up credit report with wrong information
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My sisters penned my bank account number in their IRS statements and when first of them granted stimulus checks on my bank account, i found that capital one bank have restricted my account preventing me from withdrawing money or completing pending transactions on the XX/XX/2021. More than 18 months later after many calls to figure out solution the bank asked me to visit a capital one bank along woth my sisters which i clarified it was not possible since we are now living outside the US ( in XXXX ). The bank then told me that some sort of investigation will be done on my recent activities and till now nothing have been resolved.
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
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 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I obtained secured Capitol One credit card XXXX 2022 with a security deposit. Then obtained regular Capitol One " Quicksilver '' credit card in XXXX 2022. Unfortunately, i had to file bankruptcy in XXXX of 2022. It is almost a year later and Capitol One still shames me by reporting the wrong high balance on my credit report. After dispute they corrected one of they of the line items.
Company Response:
State: WI
Zip: 53081
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A