Date Received: 2023-03-31
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 previously disputed this company and asked that they send the consumer a LEGAL BINDING CONTRACT that has both legible signatures ( from myself and the company entity stating that there is a contractual agreement between both parties. What the consumer received was anything but. The consumer specifically asks for the entity to produce legalities that the alleged account indeed belongs to the consumer. Yet they have chosen over and over again to send the consumer what they feel is needed, which is UNACCEPTABLE. This game that the company is playing should be pointed out that if they are unable to produce the legality of the alleged account then the account should be REMOVED IMMEDIATELY. THE COMPANY IS CONSISTENTLY VIOLATING LAWS. I will upload the latest letter that was sent to the consumer about the matter.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
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 previously disputed this company and asked that they send the consumer a LEGAL BINDING CONTRACT that has both legible signatures ( from myself and the company entity stating that there is a contractual agreement between both parties. What the consumer received was anything but. The consumer specifically asks for the entity to produce legalities that the alleged account indeed belongs to the consumer. Yet they have chosen over and over again to send the consumer what they feel is needed, which is UNACCEPTABLE. This game that the company is playing should be pointed out that if they are unable to produce the legality of the alleged account then the account should be REMOVED IMMEDIATELY. THE COMPANY IS CONSISTENTLY VIOLATING LAWS. I will upload the latest letter that was sent to the consumer about the matter.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: in accordance with the fair credit reporting act XXXX Account 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 credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Capital One Savor card promotion stated I would recieve a XXXX $ rewards bonus after spending XXXX $ in the first three months. I called and verified this with multiple customer service representatives on their recorded lines. Now I am being told I will not be receiving the XXXX $ rewards bonus. This is nothing short of wilfully deceitful. I stress, I was promised/confirmed by multiple Capital One representatives that I would be receiving the rewards bonus, and was even given a time line of when to expect it. I spent accordingly to what they promised. When it did not arrive, it prompted me to reach out to them. They do not care.
Company Response:
State: PA
Zip: 17543
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: CFPB Case # XXXX XXXX This is to inform CFPB that capital one bank has refused to remove the {$1600.00} fraudulent charge by XXXX from my closed account : and has reported it to the credit bureau and collections. Thus, Capital one bank has brought down my credit score from " Excellent '' to " Fair ''. Consequently, I am forced to make payment arrangement with capital one bank to pay the debt, and then sue XXXX to recover my money.
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I requested a balance transfer on XX/XX/2023. Rather than transferring the balance directly, the credit card company issued a check. The check never arrived. I was told several different stories about where it was and there wasn't any consistency in the explanations however the balance of {$7000.00} was added to my account the day I requested the transfer. Now, as of XX/XX/2023 and many calls to attempt to resolve the issue, I have closed the account but the agency doesn't appear to be willing to settle the dispute. Meanwhile, I have been carrying the debt, interest, and transfer fee on my credit report which has lowered my score. The customer service department keeps stone walling the process by continuing to tell me the check is in the mail, or the credit will take another XXXX days, and that they can't manually issue the credit. I am considering the possibility that they have not intention of resolving the issues, meaning I will continue to have a closed out account with a {$7000.00} balance. The supervisor that I spoke with today is XXXX and her employee number is : XXXX Transfer request information below : RE : Account ending in XXXX XXXX XXXX XXXX, Your balance transfer request of {$7000.00} has been received and is currently being processed. Please continue making minimum payments on balances transferred to keep the account current until your transfer appears on your other creditors statement ( s ). Remember that if you wish to close these accounts, youll need to contact the other companies directly. If you didnt request a balance transfer, please call the number on the back of your cardwere available 24/7. Thanks for choosing Capital One.
Company Response:
State: ID
Zip: 837XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/2018 I purchased a 2018 XXXX XXXX XXXX sedan from the XXXX dealership in XXXX Maryland, on I believe what was a second time buyers program for people who had low or bad credit. Of course I was told I can get put in something that wouldn't cost me a lot when it ended up costing me more than I'm able to pay. And to my recollection my credit wasn't too good, but it was above XXXX. When speaking with the finance guy informed him more than once that the price he gave me for a car note each month would be too high considering all the other bills I would have to pay. I asked if there was any way that they could bring the car note down even if it was only about {$100.00}. I was told more than once that they could not bring it down due to my credit score and that after on time payments of about 12 to 18 months that I could refinance which after sitting there for two hours talking to him about the situation he knew that I wouldn't be able to but continue to sell me the car. Almost since I've had the car it's called me unnecessary stress because I have not been able to keep the payments up which means I was never able to refinance. And after asking my finance company over the years more than once if they did refinancing they told me they do not but I looked it up online and it showed that they do. My car has been in possession status once and almost possible repossession status once twice. Now 5 years later I look and I still have {$24000.00} after already paying {$24000.00}. when a total price of the vehicle was financed for {$20.00}, XXXX in which I'm sure all of that is due to not being able to make payments on time but over {$24000.00} left seems a big excessive to pay for a car that probably isn't even worth the money it was financed for, especially for the problems and thousands of dollars of major work that I've had to get done after it reached a certain amount of miles and still isn't corrected properly. Also talking with Representatives over the last couple years of and on and in the last few months, no one can seem to tell me how they came up with and calculated the finance charge, interest rate in car note, just that they can only read me what's on the screen in front of them. The car totaled and was financed for {$20000.00} with a finance charge of {$19000.00} at an APR of 24 % which brings my total to XXXX after a {$500.00} deposit and a {$100.00} trade in they added the total and it brought it to {$41000.00}, none of this even looks right to me and of course they didn't explain any of it. After doing my own calculations and research all of the numbers either come close or don't add up. And using their percentage rate with the car note they gave me it seems like the percentage rate was actually almost 32 %. My car was bought brand new with 11 miles on it so the percentage rate shouldn't be due to that and I also found that by law the highest they can charge for a percentage rate is 16 %, but lenders get away with charging more. Also I'm seeing on my papers that my got warranty on my car has XXXXe different prices which I don't understand any of. My attachments show my buyer 's order, GAP coverage, calculations I made on my own and that I found on the website using loan calculators and two papers for mileage one which is 11 for my original mileage and the second for a mileage over {$22.00}, XXXX which I'm assuming maybe the mileage expected for the car or before it starts to have major issues I'm not sure, but if it is then my car was having major issues before it got to that mileage.
Company Response:
State: NC
Zip: 27603
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello, I have a complaint to file against Capital One Bank.Back in XX/XX/XXXX I was approved for XXXX XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$140000.00} to help support my small business.The money was disbursed through my Capital Business Account, for reasons known just to Capital One my bank account was closed.I was told the funds would be sent back to XXXX, I called XXXX to inform them of this and tried providing them with my XXXXXXXX XXXX account hoping they would send the funds over to Chase immediately they get the refund from capital.I gave up after calling XXXX severally and learning they had not received the funds yet. Fast forward to XX/XX/XXXX, I surprisingly received a mail from XXXX stating my payments are due.The terms of this loan were as follows : -It was interest free for 30 months after it was approved -Payments ( interest included ) were to be made 30 months after the loan was approved This explains why I got contacted through mail by XXXX.This was when I understood that Capital One never returned the loan to XXXX.At this point my payments are due, if I dont make these payments it will go against my credit, its sad because I have to make payments for a loan I did NOT RECEIVE. I have called XXXX countlessly, they are still saying they did not get any refund whatsoever from Capital One I have been calling Capital One, I was told they are working on the case and they cant provide me a cut off time to when this case will be resolved ( sadly I have to keep making payments to XXXX at capital one takes it swee time ) I finally got hold of a Capital agent yesterday who sent me statements from XX/XX/XXXX which shows the funds were withdrawn, doesnt show the method how it was withdrawn and doesnt show who it went to but this agent claims it was withdrawn and sent to XXXXI will provide supporting documentations. At this point I am super stressed and confused because I honestly dont know what happened to these funds, I have to make monthly payments for a loan I never took.If this can be thoroughly looked into I will deeply appreciate
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have never opened a credit card account before in my life. No all of a sudden I go to apply for one, and theres a credit card opened in my name already. Someone has stolen my identity. And this is not the first time this has happened. I dont understand how someone can get my information and open up accounts thats not them. I need help to fix this asap
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
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: To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document ( non-electronic ) that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. Send this information to my email above and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A