Date Received: 2023-04-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened a Capital One Venture X account. I filled out the application and I was approved for the card. There was a welcome bonus on the card of XXXX miles if I spent XXXX dollars in the first 3 months. Right when I was at XXXX, they flagged my account and asked for 3 months of bank statements. Upon review, they concluded that there was an inconsistency in my income coming in and the amount that I had listed on the application. I verified with the representative that the amount that is supposed to be listed on the application was my gross annual income. Yet, they only consider the amount coming into my checking account, without accounting for tax withholding, retirement contributions, and money routed to other accounts. They charged me for the annual fee, which is XXXX dollars, when they closed the account after a month. Their policy states that customers can not use paystubs as verification, but only bank statements. This is predatorial behavior.
Company Response:
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX The Credit bureaus stated Account Name CAPITAL ONE Account # XXXX date opened XXXX XXXX, XXXX Status : INCLUDED IN BANKRUPTCY COMPANY CONTACT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX open date is inaccurate, the date last active is inaccurate, and incomplete account # and date last reported is not accurate. This ground for removal.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: I didn't authorize or give permission for my credit to be process for hard inquiry by these companies and would like for this information to be removed. While getting my oil XXXX XXXX a salesman approached me asking if I was curious to possibly receive an upgrade. I said i'm in the process of buying a home and I don't want any hard inquiries on my credit report. He assured me that I will not get any hard inquiries and he was just going to run my information in house on a soft pull to see what I was eligible for. He became pushy and aggressive trying to force me into signing paperwork for a sale that I didn't want. I rushed to the service area to get my vehicle and immediately left because I was angered at the way I was being treated in that dealership. I later saw the hard inquiries on my credit report and returned asking him why did he lie to me. He laughed in my face and called me stupid. I asked to speak to a supervisor and request to receive a copy of the document that they said I signed giving them permission to run my credit. No document ever existed because I never signed anything. This dealership was unwilling to provide a simple statement in a letter for me to remove the Inquiries off my credit report.
Company Response:
State: MO
Zip: 63119
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Never opened an account with Capital One they are saying the account was closed right after it was opened to protect my identity but they are reporting a credit card balance on my credit report but I have never used a capital on credit card. This is a mistake that needs to be fixed asap.
Company Response:
State: NC
Zip: 27520
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
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 number XXXX has violated by Rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A predator may not a payment on the credit card account under any open consumer credit plan as of late for any puprose.
Company Response:
State: FL
Zip: 32953
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
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 a hard inquiry from capital one bank .. for starters they stated my credit wouldnt be ran and they ran it and after they ran it.. I called them and ask them why and she couldnt give me a answer so I canceled the account and she told me that nothing was in the system but its on my credit report
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had an auto loan through Capital one auto finance. My vehicle was a lemon, so the dealership had to pay me back for all payments made, and pay capital one auto loan off. Capital one auto loan was supposed to remove entire tradeline of credit from all 3 credit bureaus within 21 days of receiving payment from dealership. It also states that capital one auto finance can not ever report this to the credit agencies in the future. The counsel, XXXX XXXX signed said agreement on XXXX XXXX, XXXX. As of XX/XX/XXXX t Capital one auto finance reported the trade line as a paid charge off ( very negative on my report ) I tried to get approved to buy a vehicle XX/XX/XXXX, was denied and found out that the trade line had not In fact been removed as agreed upon in writing. Have attempted to dispute with all 3 credit bureaus, but they all reach out to Capital one for verification and Capital one auto finance tells them that this account is reported appropriately ( which is false per signed written agreement ) I contacted Capital one auto finance about this and they said they couldn't do anything because they are just the financing department and their dispute department is not taking calls. I have the written signed document attached and the pertinent areas are highlighted. Page 2 of 7 section 4 and continues on page 3 of 7. Along with signature on page 6 of 7
Company Response:
State: CA
Zip: 92040
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are :
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account has been previously disputed documents have been asked for several times, I have not received an answer.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been dealijg with Capitial one and have been emailing capitial one ceo and talk to everyone at capitial one capitial one will not remove the innacurates from my credit report and they state they dont deletions period But from other people emailing the ceo and askong for deletions and updates they do it with no problem I was even told by capitial one they dont do deletion but this right here shows they do Capitial one is not beinf their word and holding to their standard they talk about
Company Response:
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A