Date Received: 2023-03-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S. Code 1605 - Determination of finance charge It has come to my attention that before I purchase my car I was charged a fee XXXX dollars and which time I was told that this would be needed to purchase my car I have been looking up laws and was determine that this a violation of the consumer law that I just stated This XXXX dollars was not applied to my loan amount and was in direct violation of the above consumer law please have someone contact me immediately or I will hold enterprise civilly liable My down payment was paid threw a online portal XXXX days before I received my car I Have the original contract and the total cost of vehicle is not accurately displayed I was told that I had to pay XXXX dollars to receive my car which is a violation of truth and lending act
Company Response:
State: CT
Zip: 06457
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Capital One is sharing my no public personal information with nonaffiliated third parties XXXX, XXXX and XXXX. Capital One does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, they withheld my nights to being able to opt out of sharing, they are reporting private information to the consumer reporting agencies and they are in violation of multiple federal laws
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
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 had a card from Capital One Bank XXXX. This card was deactivated, while I called Capital One I was informed that my account was closed and by balance was {$0.00}. This call was recorded and therefore should be on file with Capital One. I was however sent a collections notice on my owing {$0.00}. However the collections letter state some {$9000.00} owed in penalties and interest. And this figure has been reported to my credit. Please HELP!
Company Response:
State: UT
Zip: 84020
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XXXX I have been in contact with my creditor regarding my ability to pay my bill during the Covid epidemic. They removed late payments but not the credit reporting. It has been OVER 30 days and the creditor/ Kohl 's has not updated the information nor has provided documentation in regards to the late payments in my account They have not supplied this information and must delete the alleged late payments on my credit report. Under Federal Law they had 30 days to complete the investigation and in failing so must delete the late payments from report ASAP Under U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) CARES ACT
Company Response:
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive contacted this creditor several times to notify them that the account is fraudulent & nothing has been done to remove this from my credit report its cause me financially & mentally because its Hindering me from being able to qualify for different lines of credit
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2022, I tried twice to activate XXXX XXXX and failed and a number came up for me to call help. A Tech answered and he tried and it failed and then he asked if I had logged into my XXXX account from a different location because he said that it was showing that I had just logged in in XXXX XXXX and XXXX. I told him " no '' and he said not to worry that he could fix the problem, but that I needed to first download a XXXX XXXX XXXX and then he needed to show me that my Ip address was public and we needed to make it private. He begin navigating through my phone to my XXXX account and to my Bank accounts then he told me to go to the nearest XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX to purchase specific Gift Cards and specific amounts and it must be done quickly to show that I was indeed not in the other places that he mentioned. I questioned him, " why '' and He said that XXXX was putting the money back into my account not to worry. He needed me to stay on the phone and not hang up. After purchasing the Cards, he told me to open them up, scratch off coating, take pictures of the cards. When I got back home he activated XXXX XXXX and told me that he would call me back in about 10 mins. I waited and no call came. I called the number on my Caller ID and the number was disconnected. I called my bank and reported the Fraud and All the Funds went back into my account. I called The Crime Victims Center and they put my call through to the Senior Citizen division who advised me to file a police report and an Identity theft report with the FTC and to notify The Attorney General. I also contacted the 3 Credit Bureaus and froze my credit accts. A few days later the charges were back on my credit card account, so I called and they said that there was No Fraud. I reported to XXXX as well and called the phone numbers on the backs of the Gift Cards to do a report. I sent two letters to my Credit card Company 's Disputes Department. They say that they have a Zero-Policy for Scams! The Gift Card amounts totaled {$1900.00}. I didn't know I was being scammed!
Company Response:
State: OH
Zip: 45801
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
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: C F P B : I filed this complaint since XX/XX/2022 several times Each time Capital One closes complaint without a DOCUMENT LETTER explaining why (! ) Please help to resolve this very old dispute that beeks being swept under rug by Capital prevous times I submitted same complaint, each time Capital closes it as duplicate and never resolves! XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10583
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: At XXXXXXXX XXXX on XX/XX/XXXX, I received a call from an unknown number. The gentleman tried to tell me he was dropping off a certified letter for me to sign for. He asked me if I had received any before in which I told him I had not. After I told him this, he changed the story and said that since I never received a certified letter, I need to call XXXX and use reference XXXX to discuss this issue. He told me he had no idea what this was about but to tell them that XXXX XXXX instructed me to call. Upon calling the number there was no answer. We have an internet phone so even though numbers can be masked on the phone, I can look up call records online. I was able to verify that the number that called was XXXX. Upon calling this number back they stated they were the XXXX XXXX XXXX and that this was the Corporate number. They asked about a reference number in which I gave it to them. They said this was in regard to a collections account they purchased from Capital One that Capital One Charged off in XXXX. They said the account was opened on XX/XX/XXXX in my previous married name of XXXX XXXX and at the time of charge off it had a balance of XXXX. I have been married for 20 years and I keep a close eye on all credit reports and there is nothing at all on my credit report from all 3 agencies. So this is in conflict for what this company is trying to say. If Capital one truly wrote it off it would show on my credit report. Specifically, XXXX in which is the credit reporting agency Capital One uses. The Lady gave me the credit card number over the phone and would not offer any other information. She said we had to contact Capital One to have them send a letter stating this account was not in existence. the Credit card number they gave me was XXXX. I then contacted Capital One and spoke with them for about an hour. I provided all the information from the law firm on the account. The representative searched all over and was not able to find any account of any kind. He told me that Capital One reports all its credit findings through XXXX XXXX XXXX XXXX. He then gave me the number to XXXX to research even further. Upon calling XXXX, they reported no findings at all against my social security number. If Capital one had charged off the account in XXXX it should be there and it would of been reported to them as a charge off. They also confirmed that these records are retained by XXXX for 10 years even if it does not show on our credit report. But they found nothing. So here is my concern... If this law firm was to walk into a local circuit court ( local to them ) and file a motion against me, they would send out a certified letter for a written response within 30 days of receipt of the letter. If they would send to an incorrect address and say that it came back as not received and the court would come up with a ruling rewarding the questionable account to the law firm. I know it can be done and it is difficult to prove or reverse the ruling after it is complete. Then you have to get attorneys in the local area of course and contest the ruling and be out attorney fees and work due to travel to and from. Of course, the scam takes this in account and can count on that it would be easier to pay even if it is fictitious. But I can see this possibility because 1. my husband has worked in collections and 2. he has repaired my credit and paid all my debts which were medical bills, and 3. My husband works in cyber security, so he has made me aware of these kinds of scams.
Company Response:
State: WV
Zip: 265XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I paid my credit card balance in full via XXXX XXXX on line bill paid. We have been paying the same credit card via the same XXXX XXXXXXXX on line bill payment system for about 10 years. The payment was sent prior to the due date. On XX/XX/XXXXXXXX I happen to notice that the funds were returned to my account. I contacted the credit card company as was told that 1 year previously their bank account addressed had changed and that just resubmit with a different address. I did resubmit and continued to follow up. When I received a statement without the payment applied and late fees and interest I called the credit card company a number of times. Even though the large payment was lost I made additional payments via the phone. More calls followed and more payments were made and the funds were finally returned. However late fees and penalties accumulated. While the card card company apologized for their errors they said that they were not authorized to waive the fees and put it into dispute however they never responded to the dispute. I could use your help address with this problem. thank you XXXX
Company Response:
State: NY
Zip: 11793
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I was informed by an account representative that my missed payments on the Walmart Store Card, issued by Capitol One, would be forgiven and reported positively, indicating no missed payments for the entirety of my account. However, upon conducting further inquiries with the creditor, I discovered that this was not the case and that no action would be taken in my favor.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A