Date Received: 2023-04-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was placed as a Authorized user on my mother 's Capital One credit card, and after 2 weeks Capital One sent my mother a email stating that she removed me from her account. After calling into Capital One and speaking to a representative, she was later informed that Capital One removed me from her card based off a " business decision '' due to my " past or present '' legal actions. I later applied for a Capital One credit card of my own and was accepted and granted a card. However, when the card came in the mail i was unable to activate it due to them saying the same thing " based off past or present legal actions '' I am denied. I do not have any legal issues pending or present. I however had legal trouble in the past but have changed my life around for the good. I am being denied access to credit which is hindering me in life and financially.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
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 # XXXX # XXXX has violated my rights 15 USC 1681 Section 604 A 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 an account without my written instructions. 15 USC 1668B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
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 an account without my written instructions. 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 any purpose.
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. CAPITAL ONE BANK USA XXXX Balance : {$0.00}
Company Response:
State: CA
Zip: 90504
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was having capital one automatically take the minimum balance out of my checking account. Instead of doing that they took {$2100.00} and will not refund it.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NOTICE OF DISPUTE/ DELETION LETTER. To whom it may concern, your company " CAPITAL ONE '' has broken many laws and violated me and my rights as a consumer. Pursuant to 15 U.S.C 1681 ( a ) ( 1 ) where it is stated by congress that the banking system is dependent upon my consumer report being fair and accurately furnished. I will state again that my report has many inaccuracies and violations that your company refuses to take responsibility and accountability for and fix in the exact manner that I have request multiple time which are in accordance to the consumer laws and my rights. My report is inaccurate and that is unfair to me. I was never notified when this inaccurate information was being furnished. Pursuant to 15 U.S.C 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies ' procedures and as a result of this I WILL NO LONGER BE EXTENDING MY CREDIT, and if this information is not DELETED, you will be held civilly and criminally liable. Pursuant to 15 U.S.C 1681 ( a ) ( d ) ( 2 ) ( a ) ( i ) You have made illegal and unsanctioned reports containing information solely as to transactions and experiences which is a violation against my rights as a consumer. This nonsense that your company has caused has tarnished my reputation and adversely affected my credit worthiness as well as negatively affected mine and my family 's livelihood. Due to this negligence my rights privacy has been violated and breached. Again, to be abundantly clear here pursuant to 15 U.S.C 1681 ( a ) ( d ) ( 2 ) ( a ) ( i ) where congress makes it extremely clear that a consumer report should not include any transactions between the consumer and the person ( s ) making the reports. These alleged transactions that your company is reporting whether it factually took place or not can be categorized as a transaction that took place between the consumer and the person making the report. Which means as stated before should not be included in my consumer report and is actually and factually by law a violation of my consumer rights. Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company is categorized as a transaction that was issued from a credit card as it is defined under 15 U.S.C 1602 ( L ). Also, pursuant to UCC 3-104 this account has been falsely and fraudulently closed. Because I mailed in a payment in the form of a negotiable instrument via the detachable remittance coupon provided to me in the periodic statement you mailed to my house, which I assured it had the full amount and whilst being properly endorsed as well as the laws pertaining to legalities of this action noted on the surface of the instrument used. For some reason you decided that you didn't want to accept my legal form of payment and immediately closed down my account. By law does one not only lose all rights to payment that may be owed to them by denying the other parties legal instrument of payments, but also pursuant to 15 U.S.C 1691 ( a ) you are in violation of discrimination. You have discriminated against me by choosing to close my account for the mere fact that I have in good faith exercised my rights. You have two options. 1. Delete any and all information you may have of me and with any person or agency that you may have furnished my information with. In which you have also done this fraudulently. Pursuant to 15 U.S.C 1681b ( 2 ) You don't have written instruction from me the consumer to furnish my information, better known as permissible purpose. So not only did you never receive permissible purpose from anyone especially me as the consumer to whom it relates, you never gave me the proper disclosures to the fact that I have the right to opt out of my information being furnished. So now we are tying in misinformed and ill-informed decisions. I hope you understand where this is going. With all this being said option number 2. You will right your wrongs and reopen my account, remove any and all late payment and credit utilization fraud information that you have furnished to any person or agencies.
Company Response:
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : CAPITAL ONE : XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late and was not paid in full. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Company Response:
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023, i transferred {$1000.00} to my son using my XXXX on my online account and as at XX/XX/2023 the money has not been received by my son. I called the bank ( Capital One Bank ) to ensure he receives the money and could not be given reason why my son did not receive the money. I was only given reasons why money sent by XXXX could be held. I requested a cancelation of the transaction and money refunded into my account and was advised to reach out to the corresponding bank. I told them i have no business with the corresponding bank and would want my money refunded to my account and they stated they will have to do some investigation which could take XXXX days. This is not acceptable to me because the number of days is too long and want my account credited for what was taken out of my account and let them sort it out with XXXX. I am not happy with this and i consider it an abuse of our contractual obligation. Going forward, i need my money refunded with interest and a letter of apology. My account # is XXXX and the routing # is XXXX
Company Response:
State: TX
Zip: 78754
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The some information listed on my credit report does not relate to the request I have made on my behalf so those items should be removed
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for an capital one credit card back in XX/XX/2023 but yet I never received it they needed even though I have XXXX issues no fraud alerts etc I still have not gotten my XXXX XXXX XXXX Capital one wanted copy of MY XXXX DL for verification to remove account restriction and send me card
Company Response:
State: IN
Zip: 46517
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A